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194.60 Td (or ) Tj ET Q q 0 0 0 rg BT 340.22 194.60 Td (any ) Tj ET Q q 0 0 0 rg BT 352.08 194.60 Td (amendment ) Tj ET Q q 0 0 0 rg BT 386.49 194.60 Td (to ) Tj ET Q q 0 0 0 rg BT 393.68 194.60 Td (this ) Tj ET Q q 0 0 0 rg BT 405.54 194.60 Td (Form ) Tj ET Q q 0 0 0 rg BT 422.46 194.60 Td (10-K. ) Tj ET Q /GS0 gs q 6.24 0 0 7.36 440.35 193.09 cm /I11 Do Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 446.59 194.60 Td ( ) Tj ET Q q 0 0 0 rg BT 448.08 194.60 Td (Y) Tj ET Q q 0 0 0 rg BT 452.43 194.60 Td (es ) Tj ET Q /GS0 gs q 6.24 0 0 7.36 460.01 193.09 cm /I12 Do Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 466.25 194.60 Td ( ) Tj ET Q q 0 0 0 rg BT 468.00 194.60 Td (No) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 177.20 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 73.81 177.20 Td (by ) Tj ET Q q 0 0 0 rg BT 82.07 177.20 Td (check ) Tj ET Q q 0 0 0 rg BT 99.66 177.20 Td (mark ) Tj ET Q q 0 0 0 rg BT 115.30 177.20 Td (whether ) Tj ET Q q 0 0 0 rg BT 139.11 177.20 Td (the ) Tj ET Q q 0 0 0 rg BT 148.93 177.20 Td (registrant ) Tj ET Q q 0 0 0 rg BT 176.63 177.20 Td (is ) Tj ET Q q 0 0 0 rg BT 182.56 177.20 Td (a ) Tj ET Q q 0 0 0 rg BT 186.93 177.20 Td (lar) Tj ET Q q 0 0 0 rg BT 194.19 177.20 Td (ge ) Tj ET Q q 0 0 0 rg BT 202.06 177.20 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 234.80 177.20 Td (filer) Tj ET Q q 0 0 0 rg BT 246.17 177.20 Td (, ) Tj ET Q q 0 0 0 rg BT 249.19 177.20 Td (an ) Tj ET Q q 0 0 0 rg BT 257.06 177.20 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 289.79 177.20 Td (filer) Tj ET Q q 0 0 0 rg BT 301.17 177.20 Td (, ) Tj ET Q q 0 0 0 rg BT 304.19 177.20 Td (a ) Tj ET Q q 0 0 0 rg BT 308.56 177.20 Td (non-accelerated ) Tj ET Q q 0 0 0 rg BT 354.12 177.20 Td (filer ) Tj ET Q q 0 0 0 rg BT 367.05 177.20 Td (or ) Tj ET Q q 0 0 0 rg BT 374.14 177.20 Td (a ) Tj ET Q q 0 0 0 rg BT 378.51 177.20 Td (smaller ) Tj ET Q q 0 0 0 rg BT 400.38 177.20 Td (reporting ) Tj ET Q q 0 0 0 rg BT 427.31 177.20 Td (company) Tj ET Q q 0 0 0 rg BT 452.51 177.20 Td (. ) Tj ET Q q 0 0 0 rg BT 455.52 177.20 Td (See ) Tj ET Q q 0 0 0 rg BT 466.90 177.20 Td (the ) Tj ET Q q 0 0 0 rg BT 476.71 177.20 Td (definition ) Tj ET Q q 0 0 0 rg BT 505.19 177.20 Td (of ) Tj ET Q q 0 0 0 rg BT 512.29 177.20 Td (lar) Tj ET Q q 0 0 0 rg BT 522.65 177.20 Td (ge ) Tj ET Q q 0 0 0 rg BT 530.53 177.20 Td (accelerated ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 168.80 Td (filer ) Tj ET Q q 0 0 0 rg BT 66.52 168.80 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 102.84 168.80 Td (filer ) Tj ET Q q 0 0 0 rg BT 119.36 168.80 Td (and ) Tj ET Q q 0 0 0 rg BT 131.21 168.80 Td (smaller ) Tj ET Q q 0 0 0 rg BT 156.67 168.80 Td (reporting ) Tj ET Q q 0 0 0 rg BT 184.08 168.80 Td (company ) Tj ET Q q 0 0 0 rg BT 214.60 168.80 Td (in ) Tj ET Q q 0 0 0 rg BT 221.79 168.80 Td (Rule ) Tj ET Q q 0 0 0 rg BT 236.76 168.80 Td (12b-2 ) Tj ET Q q 0 0 0 rg BT 254.85 168.80 Td (of ) Tj ET Q q 0 0 0 rg BT 262.43 168.80 Td (the ) Tj ET Q q 0 0 0 rg BT 272.73 168.80 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 301.69 168.80 Td (Act ) Tj ET Q q 0 0 0 rg BT 313.55 168.80 Td (\(Check ) Tj ET Q q 0 0 0 rg BT 335.51 168.80 Td (One\).) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 160.40 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 142.55 Td (Lar) Tj ET Q q 0 0 0 rg BT 62.59 142.55 Td (geacceleratedfiler ) Tj ET Q /GS0 gs q 6.24 0 0 7.36 117.57 141.04 cm /I13 Do Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 169.00 142.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 183.00 142.55 Td (Acceleratedfiler ) Tj ET Q /GS0 gs q 6.24 0 0 7.36 231.58 141.04 cm /I14 Do Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 299.00 142.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 313.00 142.55 Td (Non-Accelerated filer) Tj ET Q /GS0 gs q 7.00 0 0 7.36 374.21 141.04 cm /I15 Do Q /GS0 gs q 6.24 0 0 7.36 381.21 141.04 cm /I16 Do Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 434.00 142.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 448.00 142.55 Td (Smallerreportingcompany ) Tj ET Q /GS0 gs q 7.00 0 0 7.36 526.34 141.04 cm /I17 Do Q /GS0 gs q 6.24 0 0 7.36 533.34 141.04 cm /I18 Do Q BT /F1 10.00 Tf ET BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 123.00 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 74.29 123.00 Td (by ) Tj ET Q q 0 0 0 rg BT 83.04 123.00 Td (check ) Tj ET Q q 0 0 0 rg BT 101.11 123.00 Td (mark ) Tj ET Q q 0 0 0 rg BT 117.25 123.00 Td (whether ) Tj ET Q q 0 0 0 rg BT 141.54 123.00 Td (the ) Tj ET Q q 0 0 0 rg BT 151.84 123.00 Td (registrant ) Tj ET Q q 0 0 0 rg BT 180.03 123.00 Td (is ) Tj ET Q q 0 0 0 rg BT 186.45 123.00 Td (a ) Tj ET Q q 0 0 0 rg BT 191.30 123.00 Td (shell ) Tj ET Q q 0 0 0 rg BT 206.27 123.00 Td (company ) Tj ET Q q 0 0 0 rg BT 233.68 123.00 Td (\(as ) Tj ET Q q 0 0 0 rg BT 243.59 123.00 Td (defined ) Tj ET Q q 0 0 0 rg BT 266.33 123.00 Td (in ) Tj ET Q q 0 0 0 rg BT 273.53 123.00 Td (Rule ) Tj ET Q q 0 0 0 rg BT 288.50 123.00 Td (12b-2 ) Tj ET Q q 0 0 0 rg BT 306.58 123.00 Td (of ) Tj ET Q q 0 0 0 rg BT 314.16 123.00 Td (the ) Tj ET Q q 0 0 0 rg BT 324.08 123.00 Td (Act\). ) Tj ET Q /GS0 gs q 6.24 0 0 7.36 340.01 121.49 cm /I19 Do Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 346.25 123.00 Td ( ) Tj ET Q q 0 0 0 rg BT 347.74 123.00 Td (Y) Tj ET Q q 0 0 0 rg BT 352.10 123.00 Td (es ) Tj ET Q /GS0 gs q 6.24 0 0 7.36 359.68 121.49 cm /I20 Do Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 365.92 123.00 Td ( ) Tj ET Q q 0 0 0 rg BT 367.67 123.00 Td (No) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 105.60 Td (The ) Tj ET Q q 0 0 0 rg BT 62.39 105.60 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 91.11 105.60 Td (market ) Tj ET Q q 0 0 0 rg BT 112.06 105.60 Td (value ) Tj ET Q q 0 0 0 rg BT 128.73 105.60 Td (of ) Tj ET Q q 0 0 0 rg BT 136.07 105.60 Td (the ) Tj ET Q q 0 0 0 rg BT 146.13 105.60 Td (voting ) Tj ET Q q 0 0 0 rg BT 165.53 105.60 Td (stock ) Tj ET Q q 0 0 0 rg BT 181.82 105.60 Td (held ) Tj ET Q q 0 0 0 rg BT 195.39 105.60 Td (by ) Tj ET Q q 0 0 0 rg BT 203.90 105.60 Td (non-af) Tj ET Q q 0 0 0 rg BT 222.04 105.60 Td (filiates ) Tj ET Q q 0 0 0 rg BT 242.60 105.60 Td (of ) Tj ET Q q 0 0 0 rg BT 249.94 105.60 Td (the ) Tj ET Q q 0 0 0 rg BT 260.01 105.60 Td (registrant ) Tj ET Q q 0 0 0 rg BT 287.95 105.60 Td (on ) Tj ET Q q 0 0 0 rg BT 296.46 105.60 Td (June30, ) Tj ET Q q 0 0 0 rg BT 321.31 105.60 Td (2015 ) Tj ET Q q 0 0 0 rg BT 336.82 105.60 Td (\(the ) Tj ET Q q 0 0 0 rg BT 349.21 105.60 Td (last ) Tj ET Q q 0 0 0 rg BT 360.45 105.60 Td (business ) Tj ET Q q 0 0 0 rg BT 385.68 105.60 Td (day ) Tj ET Q q 0 0 0 rg BT 397.30 105.60 Td (of ) Tj ET Q q 0 0 0 rg BT 404.64 105.60 Td (the ) Tj ET Q q 0 0 0 rg BT 414.71 105.60 Td (registrant) Tj ET Q q 0 0 0 rg BT 443.09 105.60 Td (s ) Tj ET Q q 0 0 0 rg BT 447.32 105.60 Td (most ) Tj ET Q q 0 0 0 rg BT 462.45 105.60 Td (recently ) Tj ET Q q 0 0 0 rg BT 486.50 105.60 Td (completed ) Tj ET Q q 0 0 0 rg BT 517.17 105.60 Td (second ) Tj ET Q q 0 0 0 rg BT 538.12 105.60 Td (quarter\), ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 97.20 Td (determined ) Tj ET Q q 0 0 0 rg BT 83.24 97.20 Td (using ) Tj ET Q q 0 0 0 rg BT 100.16 97.20 Td (the ) Tj ET Q q 0 0 0 rg BT 110.46 97.20 Td (closing ) Tj ET Q q 0 0 0 rg BT 132.43 97.20 Td (price ) Tj ET Q q 0 0 0 rg BT 148.17 97.20 Td (of ) Tj ET Q q 0 0 0 rg BT 155.75 97.20 Td (the ) Tj ET Q q 0 0 0 rg BT 166.05 97.20 Td (common ) Tj ET Q q 0 0 0 rg BT 192.30 97.20 Td (stock ) Tj ET Q q 0 0 0 rg BT 208.82 97.20 Td (on ) Tj ET Q q 0 0 0 rg BT 217.57 97.20 Td (that ) Tj ET Q q 0 0 0 rg BT 229.82 97.20 Td (day ) Tj ET Q q 0 0 0 rg BT 241.68 97.20 Td (of ) Tj ET Q q 0 0 0 rg BT 249.26 97.20 Td ($53.38, ) Tj ET Q q 0 0 0 rg BT 272.01 97.20 Td (as ) Tj ET Q q 0 0 0 rg BT 279.59 97.20 Td (reported ) Tj ET Q q 0 0 0 rg BT 304.66 97.20 Td (by ) Tj ET Q q 0 0 0 rg BT 313.41 97.20 Td (the ) Tj ET Q q 0 0 0 rg BT 323.71 97.20 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 354.63 97.20 Td (Global ) Tj ET Q q 0 0 0 rg BT 375.43 97.20 Td (Select ) Tj ET Q q 0 0 0 rg BT 394.29 97.20 Td (Market, ) Tj ET Q q 0 0 0 rg BT 418.00 97.20 Td (was ) Tj ET Q q 0 0 0 rg BT 430.64 97.20 Td ($2,514,968,967.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 79.80 Td (As ) Tj ET Q q 0 0 0 rg BT 59.53 79.80 Td (of ) Tj ET Q q 0 0 0 rg BT 67.11 79.80 Td (February24, ) Tj ET Q q 0 0 0 rg BT 104.63 79.80 Td (2016, ) Tj ET Q q 0 0 0 rg BT 122.13 79.80 Td (the ) Tj ET Q q 0 0 0 rg BT 132.43 79.80 Td (registrant ) Tj ET Q q 0 0 0 rg BT 160.62 79.80 Td (had ) Tj ET Q q 0 0 0 rg BT 172.47 79.80 Td (48,429,151 ) Tj ET Q q 0 0 0 rg BT 205.72 79.80 Td (shares ) Tj ET Q q 0 0 0 rg BT 224.97 79.80 Td (of ) Tj ET Q q 0 0 0 rg BT 232.55 79.80 Td (Common ) Tj ET Q q 0 0 0 rg BT 260.36 79.80 Td (Stock ) Tj ET Q q 0 0 0 rg BT 278.05 79.80 Td (outstanding.) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 230.15 62.40 Td (DOCUMENTS INCORPORA) Tj ET Q q 0 0 0 rg BT 315.13 62.40 Td (TED BY) Tj ET Q q 0 0 0 rg BT 339.96 62.40 Td ( REFERENCE) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 50.00 45.00 Td (Portions ) Tj ET Q q 0 0 0 rg BT 75.09 45.00 Td (of ) Tj ET Q q 0 0 0 rg BT 82.67 45.00 Td (the ) Tj ET Q q 0 0 0 rg BT 92.97 45.00 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 111.44 45.00 Td (Statement ) Tj ET Q q 0 0 0 rg BT 141.19 45.00 Td (for ) Tj ET Q q 0 0 0 rg BT 151.10 45.00 Td (the ) Tj ET Q q 0 0 0 rg BT 161.40 45.00 Td (Company) Tj ET Q q 0 0 0 rg BT 190.57 45.00 Td (s ) Tj ET Q q 0 0 0 rg BT 194.66 45.00 Td (Annual ) Tj ET Q q 0 0 0 rg BT 217.01 45.00 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 242.09 45.00 Td (of ) Tj ET Q q 0 0 0 rg BT 249.67 45.00 Td (Shareholders ) Tj ET Q q 0 0 0 rg BT 287.97 45.00 Td (to ) Tj ET Q q 0 0 0 rg BT 295.16 45.00 Td (be ) Tj ET Q q 0 0 0 rg BT 303.52 45.00 Td (held ) Tj ET Q q 0 0 0 rg BT 317.32 45.00 Td (on ) Tj ET Q q 0 0 0 rg BT 326.07 45.00 Td (May26, ) Tj ET Q q 0 0 0 rg BT 351.15 45.00 Td (2016 ) Tj ET Q q 0 0 0 rg BT 366.90 45.00 Td (are ) Tj ET Q q 0 0 0 rg BT 377.20 45.00 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 414.32 45.00 Td (by ) Tj ET Q q 0 0 0 rg BT 423.07 45.00 Td (reference ) Tj ET Q q 0 0 0 rg BT 450.85 45.00 Td (into ) Tj ET Q q 0 0 0 rg BT 463.49 45.00 Td (Part ) Tj ET Q q 0 0 0 rg BT 476.51 45.00 Td (III.) Tj ET Q endstream endobj 5 0 obj <> endobj 6 0 obj <> stream BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.65 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 258.58 742.25 Td (ABLE OF) Tj ET Q q 0 0 0 rg BT 301.82 742.25 Td ( CONTENTS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 731.45 Td () Tj ET Q 1 1 1 rg /GS0 gs 106.50 691.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 666.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 641.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 616.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 591.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 566.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 512.95 393.00 -23.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 489.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 464.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 439.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 414.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 389.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 364.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 339.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 270.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 245.95 393.00 -30.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 215.95 393.00 -24.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 191.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 166.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 97.95 393.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 106.50 72.95 393.00 -25.00 re f /GS0 gs BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 708.90 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 109.00 708.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 542.55 709.03 Td (Page) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.30 695.68 Td (PART I) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 671.62 Td (ITEM1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 671.62 Td (Business) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.00 671.52 Td (............................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 646.62 Td (ITEM1A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 646.62 Td (Risk ) Tj ET Q q 0 0 0 rg BT 129.84 646.62 Td (Factors) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.00 646.52 Td (......................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 621.62 Td (ITEM1B.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 621.62 Td (Unresolved ) Tj ET Q q 0 0 0 rg BT 157.60 621.62 Td (Staf) Tj ET Q q 0 0 0 rg BT 173.62 621.62 Td (f ) Tj ET Q q 0 0 0 rg BT 179.36 621.62 Td (Comments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.50 621.52 Td (.............................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 596.62 Td (ITEM2.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 596.62 Td (Properties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.00 596.52 Td (..........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 571.62 Td (ITEM3.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 571.62 Td (Legal ) Tj ET Q q 0 0 0 rg BT 134.26 571.62 Td (Proceedings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.50 571.52 Td (.............................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 546.62 Td (ITEM4.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 546.62 Td (Mine ) Tj ET Q q 0 0 0 rg BT 132.61 546.62 Td (Safety ) Tj ET Q q 0 0 0 rg BT 160.66 546.62 Td (Disclosures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.50 546.52 Td (...................................................................................................................) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.35 532.63 Td (PART II) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 503.52 Td (ITEM5.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 503.52 Td (Market ) Tj ET Q q 0 0 0 rg BT 141.32 503.52 Td (for ) Tj ET Q q 0 0 0 rg BT 156.42 503.52 Td (Registrant) Tj ET Q q 0 0 0 rg BT 200.57 503.52 Td (s ) Tj ET Q q 0 0 0 rg BT 207.63 503.52 Td (Common ) Tj ET Q q 0 0 0 rg BT 248.30 503.52 Td (Equity) Tj ET Q q 0 0 0 rg BT 274.64 503.52 Td (, ) Tj ET Q q 0 0 0 rg BT 280.25 503.52 Td (Related ) Tj ET Q q 0 0 0 rg BT 314.23 503.52 Td (Stockholder ) Tj ET Q q 0 0 0 rg BT 366.00 503.52 Td (Mattersand ) Tj ET Q q 0 0 0 rg BT 416.92 503.52 Td (Issuer ) Tj ET Q q 0 0 0 rg BT 444.25 503.52 Td (Purchases ) Tj ET Q q 0 0 0 rg BT 487.68 503.52 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 493.52 Td (Equity ) Tj ET Q q 0 0 0 rg BT 138.17 493.52 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.50 493.52 Td (...............................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 469.62 Td (ITEM6.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 469.62 Td (Selected ) Tj ET Q q 0 0 0 rg BT 145.37 469.62 Td (Financial ) Tj ET Q q 0 0 0 rg BT 185.08 469.62 Td (Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.00 469.52 Td (....................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 444.62 Td (ITEM7.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 444.62 Td (Management) Tj ET Q q 0 0 0 rg BT 164.26 444.62 Td (s ) Tj ET Q q 0 0 0 rg BT 170.37 444.62 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 216.76 444.62 Td (and ) Tj ET Q q 0 0 0 rg BT 233.43 444.62 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 270.65 444.62 Td (of ) Tj ET Q q 0 0 0 rg BT 281.48 444.62 Td (Financial ) Tj ET Q q 0 0 0 rg BT 321.19 444.62 Td (Condition ) Tj ET Q q 0 0 0 rg BT 363.70 444.62 Td (and ) Tj ET Q q 0 0 0 rg BT 380.64 444.62 Td (Results ) Tj ET Q q 0 0 0 rg BT 412.58 444.62 Td (of ) Tj ET Q q 0 0 0 rg BT 423.41 444.62 Td (Operation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.50 444.52 Td (.............) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 419.62 Td (ITEM7A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 419.62 Td (Quantitative ) Tj ET Q q 0 0 0 rg BT 160.93 419.62 Td (and ) Tj ET Q q 0 0 0 rg BT 177.87 419.62 Td (Qualitative ) Tj ET Q q 0 0 0 rg BT 224.80 419.62 Td (Disclosures ) Tj ET Q q 0 0 0 rg BT 273.68 419.62 Td (About ) Tj ET Q q 0 0 0 rg BT 300.90 419.62 Td (Market ) Tj ET Q q 0 0 0 rg BT 332.28 419.62 Td (Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 419.52 Td (..........................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 394.62 Td (ITEM8.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 394.62 Td (Financial ) Tj ET Q q 0 0 0 rg BT 148.71 394.62 Td (Statements ) Tj ET Q q 0 0 0 rg BT 195.09 394.62 Td (and ) Tj ET Q q 0 0 0 rg BT 212.03 394.62 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 275.07 394.62 Td (Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 394.52 Td (................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 369.62 Td (ITEM9.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 369.62 Td (Changes ) Tj ET Q q 0 0 0 rg BT 145.94 369.62 Td (in ) Tj ET Q q 0 0 0 rg BT 156.22 369.62 Td (and ) Tj ET Q q 0 0 0 rg BT 173.16 369.62 Td (Disagreements ) Tj ET Q q 0 0 0 rg BT 235.08 369.62 Td (with ) Tj ET Q q 0 0 0 rg BT 255.08 369.62 Td (Accountants ) Tj ET Q q 0 0 0 rg BT 307.29 369.62 Td (on ) Tj ET Q q 0 0 0 rg BT 319.52 369.62 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 368.39 369.62 Td (and ) Tj ET Q q 0 0 0 rg BT 385.33 369.62 Td (Financial ) Tj ET Q q 0 0 0 rg BT 425.04 369.62 Td (Disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.50 369.52 Td (...........) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 344.62 Td (ITEM9A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 344.62 Td (Controls ) Tj ET Q q 0 0 0 rg BT 145.95 344.62 Td (and ) Tj ET Q q 0 0 0 rg BT 162.89 344.62 Td (Procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.50 344.52 Td (...................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 319.62 Td (ITEM9B.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 319.62 Td (Other ) Tj ET Q q 0 0 0 rg BT 134.27 319.62 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.50 319.52 Td (.............................................................................................................................) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.40 290.63 Td (PART III) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 250.62 Td (ITEM10.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 250.62 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 151.21 250.62 Td (Executive ) Tj ET Q q 0 0 0 rg BT 193.69 250.62 Td (Of) Tj ET Q q 0 0 0 rg BT 204.15 250.62 Td (ficers ) Tj ET Q q 0 0 0 rg BT 228.77 250.62 Td (and ) Tj ET Q q 0 0 0 rg BT 245.70 250.62 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 288.19 250.62 Td (Governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.50 250.52 Td (...............................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 228.57 Td (ITEM11.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 228.57 Td (Executive ) Tj ET Q q 0 0 0 rg BT 151.48 228.57 Td (Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.00 228.52 Td (..................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 206.52 Td (ITEM12.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 206.52 Td (Security ) Tj ET Q q 0 0 0 rg BT 146.31 206.52 Td (Ownership ) Tj ET Q q 0 0 0 rg BT 194.19 206.52 Td (of ) Tj ET Q q 0 0 0 rg BT 206.50 206.52 Td (Certain ) Tj ET Q q 0 0 0 rg BT 239.93 206.52 Td (Beneficial ) Tj ET Q q 0 0 0 rg BT 285.01 206.52 Td (Owners ) Tj ET Q q 0 0 0 rg BT 320.10 206.52 Td (and ) Tj ET Q q 0 0 0 rg BT 338.53 206.52 Td (Management ) Tj ET Q q 0 0 0 rg BT 394.72 206.52 Td (and ) Tj ET Q q 0 0 0 rg BT 413.15 206.52 Td (Related ) Tj ET Q q 0 0 0 rg BT 447.68 206.52 Td (Stockholder ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 196.52 Td (Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.00 196.52 Td (..............................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 171.62 Td (ITEM13.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 171.62 Td (Certain ) Tj ET Q q 0 0 0 rg BT 140.93 171.62 Td (Relationships ) Tj ET Q q 0 0 0 rg BT 197.88 171.62 Td (and ) Tj ET Q q 0 0 0 rg BT 214.82 171.62 Td (Related ) Tj ET Q q 0 0 0 rg BT 247.77 171.62 Td (T) Tj ET Q q 0 0 0 rg BT 253.61 171.62 Td (ransactions, ) Tj ET Q q 0 0 0 rg BT 303.42 171.62 Td (and ) Tj ET Q q 0 0 0 rg BT 320.36 171.62 Td (Director ) Tj ET Q q 0 0 0 rg BT 356.17 171.62 Td (Independence) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.50 171.52 Td (.................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 146.62 Td (ITEM14.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 146.62 Td (Principal ) Tj ET Q q 0 0 0 rg BT 147.33 146.62 Td (Accountant ) Tj ET Q q 0 0 0 rg BT 195.65 146.62 Td (Fees ) Tj ET Q q 0 0 0 rg BT 216.48 146.62 Td (and ) Tj ET Q q 0 0 0 rg BT 233.41 146.62 Td (Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.50 146.52 Td (...........................................................................................) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 282.80 117.63 Td (PART IV) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 77.62 Td (ITEM15.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 77.62 Td (Exhibits ) Tj ET Q q 0 0 0 rg BT 144.83 77.62 Td (and ) Tj ET Q q 0 0 0 rg BT 161.77 77.62 Td (Financial ) Tj ET Q q 0 0 0 rg BT 201.49 77.62 Td (Statement ) Tj ET Q q 0 0 0 rg BT 243.98 77.62 Td (Schedules) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.00 77.52 Td (....................................................................................) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 52.62 Td (Signatures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.50 52.52 Td (.........................................................................................................................................) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 554.00 671.62 Td (3) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 646.62 Td (22) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 621.62 Td (36) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 596.62 Td (36) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 571.62 Td (36) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 546.62 Td (37) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 494.62 Td (38) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 469.62 Td (40) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 444.62 Td (41) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 419.62 Td (95) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.00 394.62 Td (97) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 369.62 Td (170) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 344.62 Td (170) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 319.62 Td (173) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 250.62 Td (173) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 228.57 Td (173) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 196.62 Td (173) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 171.62 Td (173) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 146.62 Td (174) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 77.62 Td (175) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.00 52.62 Td (179) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.00 27.67 Td (3) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (P) Tj ET Q q 0 0 0 rg BT 56.44 740.90 Td (AR) Tj ET Q q 0 0 0 rg BT 73.35 740.90 Td (T) Tj ET Q q 0 0 0 rg BT 81.14 740.90 Td ( I) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 719.90 Td (ITEM 1. BUSINESS) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 698.90 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.90 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 677.90 Td (intrust ) Tj ET Q q 0 0 0 rg BT 87.31 677.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 127.24 677.90 Td (Corporation, ) Tj ET Q q 0 0 0 rg BT 180.78 677.90 Td (an ) Tj ET Q q 0 0 0 rg BT 192.93 677.90 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 223.98 677.90 Td (corporation ) Tj ET Q q 0 0 0 rg BT 272.79 677.90 Td (\(we, ) Tj ET Q q 0 0 0 rg BT 301.87 677.90 Td (W) Tj ET Q q 0 0 0 rg BT 315.35 677.90 Td (intrust ) Tj ET Q q 0 0 0 rg BT 348.06 677.90 Td (or ) Tj ET Q q 0 0 0 rg BT 359.10 677.90 Td (the ) Tj ET Q q 0 0 0 rg BT 378.47 677.90 Td (Company\), ) Tj ET Q q 0 0 0 rg BT 430.34 677.90 Td (which ) Tj ET Q q 0 0 0 rg BT 457.50 677.90 Td (was ) Tj ET Q q 0 0 0 rg BT 475.76 677.90 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 529.01 677.90 Td (in ) Tj ET Q q 0 0 0 rg BT 539.50 677.90 Td (1992, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.90 Td (is ) Tj ET Q q 0 0 0 rg BT 59.33 665.90 Td (a ) Tj ET Q q 0 0 0 rg BT 66.44 665.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 104.08 665.90 Td (holding ) Tj ET Q q 0 0 0 rg BT 137.30 665.90 Td (company ) Tj ET Q q 0 0 0 rg BT 176.62 665.90 Td (based ) Tj ET Q q 0 0 0 rg BT 202.05 665.90 Td (in ) Tj ET Q q 0 0 0 rg BT 212.49 665.90 Td (Rosemont, ) Tj ET Q q 0 0 0 rg BT 258.21 665.90 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 291.71 665.90 Td (with ) Tj ET Q q 0 0 0 rg BT 312.15 665.90 Td (total ) Tj ET Q q 0 0 0 rg BT 332.59 665.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 358.58 665.90 Td (of ) Tj ET Q q 0 0 0 rg BT 369.58 665.90 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.00 665.90 Td ($22.9 ) Tj ET Q q 0 0 0 rg BT 455.16 665.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.28 665.90 Td ( ) Tj ET Q q 0 0 0 rg BT 483.94 665.90 Td (as ) Tj ET Q q 0 0 0 rg BT 494.93 665.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 665.90 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 653.90 Td (. ) Tj ET Q q 0 0 0 rg BT 75.37 653.90 Td (W) Tj ET Q q 0 0 0 rg BT 84.00 653.90 Td (e ) Tj ET Q q 0 0 0 rg BT 91.53 653.90 Td (conduct ) Tj ET Q q 0 0 0 rg BT 126.28 653.90 Td (our ) Tj ET Q q 0 0 0 rg BT 142.70 653.90 Td (businesses ) Tj ET Q q 0 0 0 rg BT 188.01 653.90 Td (through ) Tj ET Q q 0 0 0 rg BT 222.21 653.90 Td (three ) Tj ET Q q 0 0 0 rg BT 245.28 653.90 Td (segments: ) Tj ET Q q 0 0 0 rg BT 288.37 653.90 Td (community ) Tj ET Q q 0 0 0 rg BT 337.01 653.90 Td (banking, ) Tj ET Q q 0 0 0 rg BT 374.82 653.90 Td (specialty ) Tj ET Q q 0 0 0 rg BT 413.45 653.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 445.96 653.90 Td (and ) Tj ET Q q 0 0 0 rg BT 463.49 653.90 Td (wealth ) Tj ET Q q 0 0 0 rg BT 493.23 653.90 Td (management. ) Tj ET Q q 0 0 0 rg BT 549.23 653.90 Td (All ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 85.83 641.90 Td (measurements ) Tj ET Q q 0 0 0 rg BT 145.53 641.90 Td (discussed ) Tj ET Q q 0 0 0 rg BT 186.36 641.90 Td (below ) Tj ET Q q 0 0 0 rg BT 213.30 641.90 Td (are ) Tj ET Q q 0 0 0 rg BT 228.00 641.90 Td (based ) Tj ET Q q 0 0 0 rg BT 253.27 641.90 Td (on ) Tj ET Q q 0 0 0 rg BT 265.77 641.90 Td (the ) Tj ET Q q 0 0 0 rg BT 280.49 641.90 Td (reportable ) Tj ET Q q 0 0 0 rg BT 323.52 641.90 Td (segments ) Tj ET Q q 0 0 0 rg BT 363.24 641.90 Td (and ) Tj ET Q q 0 0 0 rg BT 380.18 641.90 Td (do ) Tj ET Q q 0 0 0 rg BT 392.68 641.90 Td (not ) Tj ET Q q 0 0 0 rg BT 407.95 641.90 Td (reflect ) Tj ET Q q 0 0 0 rg BT 435.99 641.90 Td (intersegment ) Tj ET Q q 0 0 0 rg BT 490.14 641.90 Td (eliminations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 620.90 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 620.90 Td (e ) Tj ET Q q 0 0 0 rg BT 66.13 620.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 99.72 620.90 Td (community-oriented, ) Tj ET Q q 0 0 0 rg BT 186.92 620.90 Td (personal ) Tj ET Q q 0 0 0 rg BT 223.84 620.90 Td (and ) Tj ET Q q 0 0 0 rg BT 241.33 620.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 291.58 620.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 326.84 620.90 Td (services ) Tj ET Q q 0 0 0 rg BT 362.10 620.90 Td (to ) Tj ET Q q 0 0 0 rg BT 372.93 620.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 416.52 620.90 Td (located ) Tj ET Q q 0 0 0 rg BT 448.44 620.90 Td (in ) Tj ET Q q 0 0 0 rg BT 459.27 620.90 Td (the ) Tj ET Q q 0 0 0 rg BT 474.54 620.90 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 510.91 620.90 Td (metropolitan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.90 Td (area ) Tj ET Q q 0 0 0 rg BT 70.11 608.90 Td (and ) Tj ET Q q 0 0 0 rg BT 88.01 608.90 Td (in ) Tj ET Q q 0 0 0 rg BT 99.25 608.90 Td (southern ) Tj ET Q q 0 0 0 rg BT 136.90 608.90 Td (W) Tj ET Q q 0 0 0 rg BT 145.94 608.90 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 182.18 608.90 Td (\(our ) Tj ET Q q 0 0 0 rg BT 206.75 608.90 Td (market ) Tj ET Q q 0 0 0 rg BT 237.97 608.90 Td (area\) ) Tj ET Q q 0 0 0 rg BT 265.85 608.90 Td (through ) Tj ET Q q 0 0 0 rg BT 300.42 608.90 Td (our ) Tj ET Q q 0 0 0 rg BT 317.22 608.90 Td (fifteen ) Tj ET Q q 0 0 0 rg BT 346.77 608.90 Td (wholly ) Tj ET Q q 0 0 0 rg BT 378.01 608.90 Td (owned ) Tj ET Q q 0 0 0 rg BT 408.14 608.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 443.82 608.90 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 494.50 608.90 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 543.82 608.90 Td (, ) Tj ET Q q 0 0 0 rg BT 549.79 608.90 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.90 Td (banks\), ) Tj ET Q q 0 0 0 rg BT 91.02 596.90 Td (as ) Tj ET Q q 0 0 0 rg BT 102.32 596.90 Td (well ) Tj ET Q q 0 0 0 rg BT 122.52 596.90 Td (as ) Tj ET Q q 0 0 0 rg BT 133.83 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 149.02 596.90 Td (origination ) Tj ET Q q 0 0 0 rg BT 195.88 596.90 Td (and ) Tj ET Q q 0 0 0 rg BT 213.30 596.90 Td (purchase ) Tj ET Q q 0 0 0 rg BT 251.82 596.90 Td (of ) Tj ET Q q 0 0 0 rg BT 263.13 596.90 Td (residential ) Tj ET Q q 0 0 0 rg BT 307.75 596.90 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 352.39 596.90 Td (for ) Tj ET Q q 0 0 0 rg BT 367.03 596.90 Td (sale ) Tj ET Q q 0 0 0 rg BT 385.55 596.90 Td (into ) Tj ET Q q 0 0 0 rg BT 404.09 596.90 Td (the ) Tj ET Q q 0 0 0 rg BT 419.28 596.90 Td (secondary ) Tj ET Q q 0 0 0 rg BT 462.80 596.90 Td (market ) Tj ET Q q 0 0 0 rg BT 493.54 596.90 Td (through ) Tj ET Q q 0 0 0 rg BT 527.41 596.90 Td (W) Tj ET Q q 0 0 0 rg BT 536.45 596.90 Td (intrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 584.90 Td (Mortgage, ) Tj ET Q q 0 0 0 rg BT 93.37 584.90 Td (a ) Tj ET Q q 0 0 0 rg BT 99.79 584.90 Td (division ) Tj ET Q q 0 0 0 rg BT 134.01 584.90 Td (of ) Tj ET Q q 0 0 0 rg BT 144.33 584.90 Td (Barrington ) Tj ET Q q 0 0 0 rg BT 189.65 584.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 212.74 584.90 Td (and ) Tj ET Q q 0 0 0 rg BT 229.03 584.90 Td (T) Tj ET Q q 0 0 0 rg BT 234.79 584.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 251.78 584.90 Td (Company) Tj ET Q q 0 0 0 rg BT 290.01 584.90 Td (, ) Tj ET Q q 0 0 0 rg BT 294.50 584.90 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 315.94 584.90 Td (\(Barrington ) Tj ET Q q 0 0 0 rg BT 369.02 584.90 Td (Bank\). ) Tj ET Q q 0 0 0 rg BT 402.39 584.90 Td (For ) Tj ET Q q 0 0 0 rg BT 418.27 584.90 Td (the ) Tj ET Q q 0 0 0 rg BT 432.47 584.90 Td (years ) Tj ET Q q 0 0 0 rg BT 455.56 584.90 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.43 584.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.50 584.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 584.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 572.90 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 572.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.43 572.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.43 572.90 Td (, ) Tj ET Q q 0 0 0 rg BT 114.43 572.90 Td (the ) Tj ET Q q 0 0 0 rg BT 129.15 572.90 Td (community ) Tj ET Q q 0 0 0 rg BT 177.19 572.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 211.91 572.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 247.73 572.90 Td (had ) Tj ET Q q 0 0 0 rg BT 264.67 572.90 Td (net ) Tj ET Q q 0 0 0 rg BT 279.38 572.90 Td (revenues ) Tj ET Q q 0 0 0 rg BT 317.42 572.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.24 572.90 Td ($714 ) Tj ET Q q 0 0 0 rg BT 350.74 572.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.63 572.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.63 572.90 Td ($621 ) Tj ET Q q 0 0 0 rg BT 407.13 572.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.02 572.90 Td ( ) Tj ET Q q 0 0 0 rg BT 438.52 572.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.45 572.90 Td ($599 ) Tj ET Q q 0 0 0 rg BT 477.95 572.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.84 572.90 Td (, ) Tj ET Q q 0 0 0 rg BT 511.84 572.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 572.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 560.90 Td (and ) Tj ET Q q 0 0 0 rg BT 67.12 560.90 Td (net ) Tj ET Q q 0 0 0 rg BT 82.02 560.90 Td (income ) Tj ET Q q 0 0 0 rg BT 114.14 560.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.16 560.90 Td ($102 ) Tj ET Q q 0 0 0 rg BT 147.84 560.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.73 560.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.92 560.90 Td ($99 ) Tj ET Q q 0 0 0 rg BT 199.60 560.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.49 560.90 Td ( ) Tj ET Q q 0 0 0 rg BT 231.18 560.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.30 560.90 Td ($88 ) Tj ET Q q 0 0 0 rg BT 265.99 560.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.88 560.90 Td (, ) Tj ET Q q 0 0 0 rg BT 300.06 560.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 347.72 560.90 Td (. ) Tj ET Q q 0 0 0 rg BT 352.71 560.90 Td (The ) Tj ET Q q 0 0 0 rg BT 370.95 560.90 Td (community ) Tj ET Q q 0 0 0 rg BT 419.18 560.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 454.08 560.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 490.09 560.90 Td (had ) Tj ET Q q 0 0 0 rg BT 507.22 560.90 Td (total ) Tj ET Q q 0 0 0 rg BT 527.67 560.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 553.69 560.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 548.90 Td ($19.3 ) Tj ET Q q 0 0 0 rg BT 75.66 548.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.78 548.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.44 548.90 Td ($16.7 ) Tj ET Q q 0 0 0 rg BT 133.11 548.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.22 548.90 Td ( ) Tj ET Q q 0 0 0 rg BT 162.38 548.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.99 548.90 Td ($15.1 ) Tj ET Q q 0 0 0 rg BT 205.65 548.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.76 548.90 Td ( ) Tj ET Q q 0 0 0 rg BT 234.93 548.90 Td (as ) Tj ET Q q 0 0 0 rg BT 246.42 548.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.92 548.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 317.16 548.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.16 548.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.83 548.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.83 548.90 Td ( ) Tj ET Q q 0 0 0 rg BT 365.99 548.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.59 548.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.59 548.90 Td (, ) Tj ET Q q 0 0 0 rg BT 409.26 548.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 456.92 548.90 Td (. ) Tj ET Q q 0 0 0 rg BT 462.35 548.90 Td (The ) Tj ET Q q 0 0 0 rg BT 481.07 548.90 Td (community ) Tj ET Q q 0 0 0 rg BT 529.78 548.90 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 536.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 85.83 536.90 Td (accounted ) Tj ET Q q 0 0 0 rg BT 128.86 536.90 Td (for ) Tj ET Q q 0 0 0 rg BT 143.02 536.90 Td (approximately ) Tj ET Q q 0 0 0 rg BT 203.28 536.90 Td (77% ) Tj ET Q q 0 0 0 rg BT 224.11 536.90 Td (of ) Tj ET Q q 0 0 0 rg BT 234.94 536.90 Td (our ) Tj ET Q q 0 0 0 rg BT 250.77 536.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 303.81 536.90 Td (net ) Tj ET Q q 0 0 0 rg BT 318.53 536.90 Td (revenues ) Tj ET Q q 0 0 0 rg BT 356.56 536.90 Td (for ) Tj ET Q q 0 0 0 rg BT 370.72 536.90 Td (the ) Tj ET Q q 0 0 0 rg BT 385.44 536.90 Td (year ) Tj ET Q q 0 0 0 rg BT 405.15 536.90 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.52 536.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 490.11 536.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.11 536.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.90 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 512.90 Td (e ) Tj ET Q q 0 0 0 rg BT 65.26 512.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 97.99 512.90 Td (specialty ) Tj ET Q q 0 0 0 rg BT 135.72 512.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 167.33 512.90 Td (services, ) Tj ET Q q 0 0 0 rg BT 204.22 512.90 Td (including ) Tj ET Q q 0 0 0 rg BT 244.17 512.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 284.12 512.90 Td (for ) Tj ET Q q 0 0 0 rg BT 297.97 512.90 Td (the ) Tj ET Q q 0 0 0 rg BT 312.37 512.90 Td (payment ) Tj ET Q q 0 0 0 rg BT 348.98 512.90 Td (of ) Tj ET Q q 0 0 0 rg BT 359.50 512.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 408.88 512.90 Td (insurance ) Tj ET Q q 0 0 0 rg BT 449.38 512.90 Td (premiums ) Tj ET Q q 0 0 0 rg BT 491.56 512.90 Td (and ) Tj ET Q q 0 0 0 rg BT 508.18 512.90 Td (life ) Tj ET Q q 0 0 0 rg BT 523.69 512.90 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.90 Td (premiums ) Tj ET Q q 0 0 0 rg BT 93.13 500.90 Td (\(premium ) Tj ET Q q 0 0 0 rg BT 140.13 500.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 172.68 500.90 Td (receivables\) ) Tj ET Q q 0 0 0 rg BT 228.55 500.90 Td (on ) Tj ET Q q 0 0 0 rg BT 241.68 500.90 Td (a ) Tj ET Q q 0 0 0 rg BT 249.25 500.90 Td (national ) Tj ET Q q 0 0 0 rg BT 284.59 500.90 Td (basis ) Tj ET Q q 0 0 0 rg BT 307.72 500.90 Td (through ) Tj ET Q q 0 0 0 rg BT 341.96 500.90 Td (our ) Tj ET Q q 0 0 0 rg BT 358.42 500.90 Td (wholly ) Tj ET Q q 0 0 0 rg BT 389.33 500.90 Td (owned ) Tj ET Q q 0 0 0 rg BT 419.12 500.90 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 459.58 500.90 Td (, ) Tj ET Q q 0 0 0 rg BT 465.21 500.90 Td (First ) Tj ET Q q 0 0 0 rg BT 486.67 500.90 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 528.67 500.90 Td (Funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.90 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 100.10 488.90 Td (\(FIFC\) ) Tj ET Q q 0 0 0 rg BT 138.53 488.90 Td (and ) Tj ET Q q 0 0 0 rg BT 154.74 488.90 Td (in ) Tj ET Q q 0 0 0 rg BT 164.29 488.90 Td (Canada ) Tj ET Q q 0 0 0 rg BT 196.04 488.90 Td (through ) Tj ET Q q 0 0 0 rg BT 228.92 488.90 Td (our ) Tj ET Q q 0 0 0 rg BT 244.03 488.90 Td (premium ) Tj ET Q q 0 0 0 rg BT 281.90 488.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 313.10 488.90 Td (company) Tj ET Q q 0 0 0 rg BT 349.10 488.90 Td (, ) Tj ET Q q 0 0 0 rg BT 353.37 488.90 Td (First ) Tj ET Q q 0 0 0 rg BT 373.49 488.90 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 414.12 488.90 Td (Funding ) Tj ET Q q 0 0 0 rg BT 449.24 488.90 Td (of ) Tj ET Q q 0 0 0 rg BT 459.34 488.90 Td (Canada ) Tj ET Q q 0 0 0 rg BT 491.09 488.90 Td (\(FIFC ) Tj ET Q q 0 0 0 rg BT 521.76 488.90 Td (Canada\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.90 Td (and ) Tj ET Q q 0 0 0 rg BT 65.94 476.90 Td (short-term ) Tj ET Q q 0 0 0 rg BT 109.10 476.90 Td (accounts ) Tj ET Q q 0 0 0 rg BT 145.59 476.90 Td (receivable ) Tj ET Q q 0 0 0 rg BT 188.17 476.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 227.44 476.90 Td (and ) Tj ET Q q 0 0 0 rg BT 243.38 476.90 Td (outsourced ) Tj ET Q q 0 0 0 rg BT 288.76 476.90 Td (administrative ) Tj ET Q q 0 0 0 rg BT 347.47 476.90 Td (services ) Tj ET Q q 0 0 0 rg BT 381.18 476.90 Td (through ) Tj ET Q q 0 0 0 rg BT 413.79 476.90 Td (our ) Tj ET Q q 0 0 0 rg BT 428.62 476.90 Td (wholly ) Tj ET Q q 0 0 0 rg BT 457.90 476.90 Td (owned ) Tj ET Q q 0 0 0 rg BT 486.07 476.90 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 526.53 476.90 Td (, ) Tj ET Q q 0 0 0 rg BT 530.42 476.90 Td (T) Tj ET Q q 0 0 0 rg BT 536.18 476.90 Td (ricom, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 464.90 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 68.03 464.90 Td (of ) Tj ET Q q 0 0 0 rg BT 79.13 464.90 Td (Milwaukee ) Tj ET Q q 0 0 0 rg BT 126.88 464.90 Td (\(T) Tj ET Q q 0 0 0 rg BT 140.40 464.90 Td (ricom\). ) Tj ET Q q 0 0 0 rg BT 176.76 464.90 Td ( ) Tj ET Q q 0 0 0 rg BT 179.53 464.90 Td (For ) Tj ET Q q 0 0 0 rg BT 196.19 464.90 Td (the ) Tj ET Q q 0 0 0 rg BT 211.17 464.90 Td (years ) Tj ET Q q 0 0 0 rg BT 235.03 464.90 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.67 464.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 320.52 464.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.52 464.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.79 464.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.79 464.90 Td ( ) Tj ET Q q 0 0 0 rg BT 368.55 464.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.76 464.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.76 464.90 Td (, ) Tj ET Q q 0 0 0 rg BT 411.02 464.90 Td (the ) Tj ET Q q 0 0 0 rg BT 426.00 464.90 Td (specialty ) Tj ET Q q 0 0 0 rg BT 464.31 464.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 496.50 464.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 532.59 464.90 Td (had ) Tj ET Q q 0 0 0 rg BT 549.79 464.90 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.90 Td (revenues ) Tj ET Q q 0 0 0 rg BT 87.39 452.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.58 452.90 Td ($1) Tj ET Q q 0 0 0 rg BT 107.21 452.90 Td (19 ) Tj ET Q q 0 0 0 rg BT 119.06 452.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.95 452.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.31 452.90 Td ($1) Tj ET Q q 0 0 0 rg BT 161.93 452.90 Td (15 ) Tj ET Q q 0 0 0 rg BT 173.79 452.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.68 452.90 Td ( ) Tj ET Q q 0 0 0 rg BT 204.54 452.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.83 452.90 Td ($105 ) Tj ET Q q 0 0 0 rg BT 242.68 452.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.57 452.90 Td (, ) Tj ET Q q 0 0 0 rg BT 275.93 452.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 323.59 452.90 Td (, ) Tj ET Q q 0 0 0 rg BT 327.94 452.90 Td (and ) Tj ET Q q 0 0 0 rg BT 344.24 452.90 Td (net ) Tj ET Q q 0 0 0 rg BT 358.31 452.90 Td (income ) Tj ET Q q 0 0 0 rg BT 389.60 452.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.78 452.90 Td ($42 ) Tj ET Q q 0 0 0 rg BT 416.64 452.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.53 452.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.88 452.90 Td ($41 ) Tj ET Q q 0 0 0 rg BT 466.74 452.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.63 452.90 Td ( ) Tj ET Q q 0 0 0 rg BT 497.48 452.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.78 452.90 Td ($38 ) Tj ET Q q 0 0 0 rg BT 530.63 452.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.52 452.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 440.90 Td (. ) Tj ET Q q 0 0 0 rg BT 102.18 440.90 Td (The ) Tj ET Q q 0 0 0 rg BT 119.89 440.90 Td (specialty ) Tj ET Q q 0 0 0 rg BT 157.61 440.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 189.20 440.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 224.70 440.90 Td (had ) Tj ET Q q 0 0 0 rg BT 241.31 440.90 Td (total ) Tj ET Q q 0 0 0 rg BT 261.26 440.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 286.76 440.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.26 440.90 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 316.93 440.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.05 440.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.72 440.90 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 367.39 440.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.50 440.90 Td ( ) Tj ET Q q 0 0 0 rg BT 395.67 440.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.29 440.90 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 431.96 440.90 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.07 440.90 Td ( ) Tj ET Q q 0 0 0 rg BT 460.24 440.90 Td (as ) Tj ET Q q 0 0 0 rg BT 470.74 440.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.25 440.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.50 440.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 440.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 428.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 428.90 Td ( ) Tj ET Q q 0 0 0 rg BT 71.88 428.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.20 428.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.20 428.90 Td (, ) Tj ET Q q 0 0 0 rg BT 112.59 428.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 160.25 428.90 Td (. ) Tj ET Q q 0 0 0 rg BT 164.49 428.90 Td (The ) Tj ET Q q 0 0 0 rg BT 181.92 428.90 Td (specialty ) Tj ET Q q 0 0 0 rg BT 219.35 428.90 Td (finance ) Tj ET Q q 0 0 0 rg BT 250.65 428.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 285.86 428.90 Td (accounted ) Tj ET Q q 0 0 0 rg BT 328.27 428.90 Td (for ) Tj ET Q q 0 0 0 rg BT 341.82 428.90 Td (13% ) Tj ET Q q 0 0 0 rg BT 362.03 428.90 Td (of ) Tj ET Q q 0 0 0 rg BT 372.24 428.90 Td (our ) Tj ET Q q 0 0 0 rg BT 387.45 428.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 439.88 428.90 Td (net ) Tj ET Q q 0 0 0 rg BT 453.98 428.90 Td (revenues ) Tj ET Q q 0 0 0 rg BT 491.40 428.90 Td (for ) Tj ET Q q 0 0 0 rg BT 504.94 428.90 Td (the ) Tj ET Q q 0 0 0 rg BT 519.04 428.90 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 428.90 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 416.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 416.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 395.90 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 395.90 Td (e ) Tj ET Q q 0 0 0 rg BT 64.39 395.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 96.25 395.90 Td (a ) Tj ET Q q 0 0 0 rg BT 102.00 395.90 Td (full ) Tj ET Q q 0 0 0 rg BT 117.20 395.90 Td (range ) Tj ET Q q 0 0 0 rg BT 140.72 395.90 Td (of ) Tj ET Q q 0 0 0 rg BT 150.37 395.90 Td (wealth ) Tj ET Q q 0 0 0 rg BT 178.33 395.90 Td (management ) Tj ET Q q 0 0 0 rg BT 230.74 395.90 Td (services ) Tj ET Q q 0 0 0 rg BT 264.26 395.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 302.78 395.90 Td (to ) Tj ET Q q 0 0 0 rg BT 311.88 395.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 353.74 395.90 Td (in ) Tj ET Q q 0 0 0 rg BT 362.83 395.90 Td (our ) Tj ET Q q 0 0 0 rg BT 377.47 395.90 Td (market ) Tj ET Q q 0 0 0 rg BT 406.55 395.90 Td (area ) Tj ET Q q 0 0 0 rg BT 424.51 395.90 Td (through ) Tj ET Q q 0 0 0 rg BT 456.93 395.90 Td (three ) Tj ET Q q 0 0 0 rg BT 478.23 395.90 Td (separate ) Tj ET Q q 0 0 0 rg BT 512.29 395.90 Td (subsidiaries, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 383.90 Td (The ) Tj ET Q q 0 0 0 rg BT 67.36 383.90 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 102.38 383.90 Td (T) Tj ET Q q 0 0 0 rg BT 108.13 383.90 Td (rust ) Tj ET Q q 0 0 0 rg BT 124.95 383.90 Td (Company) Tj ET Q q 0 0 0 rg BT 163.19 383.90 Td (, ) Tj ET Q q 0 0 0 rg BT 167.51 383.90 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 188.77 383.90 Td (\(CTC\), ) Tj ET Q q 0 0 0 rg BT 227.94 383.90 Td (W) Tj ET Q q 0 0 0 rg BT 236.58 383.90 Td (ayne ) Tj ET Q q 0 0 0 rg BT 257.27 383.90 Td (Hummer ) Tj ET Q q 0 0 0 rg BT 294.64 383.90 Td (Investments, ) Tj ET Q q 0 0 0 rg BT 347.28 383.90 Td (LLC ) Tj ET Q q 0 0 0 rg BT 367.98 383.90 Td (\(WHI\) ) Tj ET Q q 0 0 0 rg BT 405.33 383.90 Td (and ) Tj ET Q q 0 0 0 rg BT 421.58 383.90 Td (Great ) Tj ET Q q 0 0 0 rg BT 445.61 383.90 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 470.90 383.90 Td (Advisors, ) Tj ET Q q 0 0 0 rg BT 511.33 383.90 Td (LLC ) Tj ET Q q 0 0 0 rg BT 532.04 383.90 Td (\(Great ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.90 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 75.69 371.90 Td (Advisors\). ) Tj ET Q q 0 0 0 rg BT 124.39 371.90 Td (For ) Tj ET Q q 0 0 0 rg BT 140.61 371.90 Td (the ) Tj ET Q q 0 0 0 rg BT 155.15 371.90 Td (years ) Tj ET Q q 0 0 0 rg BT 178.57 371.90 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.77 371.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 263.18 371.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.18 371.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.01 371.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.01 371.90 Td ( ) Tj ET Q q 0 0 0 rg BT 310.33 371.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.09 371.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.09 371.90 Td (, ) Tj ET Q q 0 0 0 rg BT 351.92 371.90 Td (the ) Tj ET Q q 0 0 0 rg BT 366.46 371.90 Td (wealth ) Tj ET Q q 0 0 0 rg BT 395.44 371.90 Td (management ) Tj ET Q q 0 0 0 rg BT 448.85 371.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 484.50 371.90 Td (had ) Tj ET Q q 0 0 0 rg BT 501.26 371.90 Td (net ) Tj ET Q q 0 0 0 rg BT 515.81 371.90 Td (revenues ) Tj ET Q q 0 0 0 rg BT 553.67 371.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.90 Td ($93 ) Tj ET Q q 0 0 0 rg BT 67.39 359.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.28 359.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.17 359.90 Td ($89 ) Tj ET Q q 0 0 0 rg BT 118.56 359.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.45 359.90 Td ( ) Tj ET Q q 0 0 0 rg BT 149.84 359.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.67 359.90 Td ($80 ) Tj ET Q q 0 0 0 rg BT 184.06 359.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.95 359.90 Td (, ) Tj ET Q q 0 0 0 rg BT 217.84 359.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 265.51 359.90 Td (, ) Tj ET Q q 0 0 0 rg BT 270.40 359.90 Td (and ) Tj ET Q q 0 0 0 rg BT 287.22 359.90 Td (net ) Tj ET Q q 0 0 0 rg BT 301.83 359.90 Td (income ) Tj ET Q q 0 0 0 rg BT 333.65 359.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.38 359.90 Td ($13 ) Tj ET Q q 0 0 0 rg BT 361.77 359.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.66 359.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.55 359.90 Td ($12 ) Tj ET Q q 0 0 0 rg BT 412.94 359.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.83 359.90 Td ( ) Tj ET Q q 0 0 0 rg BT 444.22 359.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.05 359.90 Td ($1) Tj ET Q q 0 0 0 rg BT 470.68 359.90 Td (1 ) Tj ET Q q 0 0 0 rg BT 478.07 359.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.96 359.90 Td (, ) Tj ET Q q 0 0 0 rg BT 511.85 359.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.51 359.90 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 347.90 Td (The ) Tj ET Q q 0 0 0 rg BT 67.79 347.90 Td (wealth ) Tj ET Q q 0 0 0 rg BT 96.69 347.90 Td (management ) Tj ET Q q 0 0 0 rg BT 150.03 347.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 185.60 347.90 Td (had ) Tj ET Q q 0 0 0 rg BT 202.28 347.90 Td (total ) Tj ET Q q 0 0 0 rg BT 222.30 347.90 Td (assets ) Tj ET Q q 0 0 0 rg BT 247.87 347.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.45 347.90 Td ($549 ) Tj ET Q q 0 0 0 rg BT 280.69 347.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.59 347.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.33 347.90 Td ($520 ) Tj ET Q q 0 0 0 rg BT 336.58 347.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.47 347.90 Td ( ) Tj ET Q q 0 0 0 rg BT 367.71 347.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.40 347.90 Td ($494 ) Tj ET Q q 0 0 0 rg BT 406.64 347.90 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.53 347.90 Td ( ) Tj ET Q q 0 0 0 rg BT 437.78 347.90 Td (as ) Tj ET Q q 0 0 0 rg BT 448.35 347.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.93 347.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 517.26 347.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.26 347.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 347.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.83 335.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.83 335.90 Td (, ) Tj ET Q q 0 0 0 rg BT 91.72 335.90 Td (respectively) Tj ET Q q 0 0 0 rg BT 139.38 335.90 Td (. ) Tj ET Q q 0 0 0 rg BT 144.10 335.90 Td (The ) Tj ET Q q 0 0 0 rg BT 162.03 335.90 Td (wealth ) Tj ET Q q 0 0 0 rg BT 191.08 335.90 Td (management ) Tj ET Q q 0 0 0 rg BT 244.56 335.90 Td (segment ) Tj ET Q q 0 0 0 rg BT 280.27 335.90 Td (accounted ) Tj ET Q q 0 0 0 rg BT 323.20 335.90 Td (for ) Tj ET Q q 0 0 0 rg BT 337.25 335.90 Td (10% ) Tj ET Q q 0 0 0 rg BT 357.97 335.90 Td (of ) Tj ET Q q 0 0 0 rg BT 368.69 335.90 Td (our ) Tj ET Q q 0 0 0 rg BT 384.41 335.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 437.34 335.90 Td (net ) Tj ET Q q 0 0 0 rg BT 451.95 335.90 Td (revenues ) Tj ET Q q 0 0 0 rg BT 489.87 335.90 Td (for ) Tj ET Q q 0 0 0 rg BT 503.92 335.90 Td (the ) Tj ET Q q 0 0 0 rg BT 518.53 335.90 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 335.90 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 323.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 323.90 Td (. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 302.90 Td (Our Business) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 281.90 Td (Community Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.90 Td (Through ) Tj ET Q q 0 0 0 rg BT 86.07 260.90 Td (our ) Tj ET Q q 0 0 0 rg BT 101.03 260.90 Td (banks, ) Tj ET Q q 0 0 0 rg BT 128.48 260.90 Td (we ) Tj ET Q q 0 0 0 rg BT 141.77 260.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 173.95 260.90 Td (community-oriented, ) Tj ET Q q 0 0 0 rg BT 259.72 260.90 Td (personal ) Tj ET Q q 0 0 0 rg BT 295.23 260.90 Td (and ) Tj ET Q q 0 0 0 rg BT 311.29 260.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 360.12 260.90 Td (banking ) Tj ET Q q 0 0 0 rg BT 393.96 260.90 Td (services ) Tj ET Q q 0 0 0 rg BT 427.80 260.90 Td (to ) Tj ET Q q 0 0 0 rg BT 437.21 260.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 479.38 260.90 Td (located ) Tj ET Q q 0 0 0 rg BT 509.88 260.90 Td (in ) Tj ET Q q 0 0 0 rg BT 519.29 260.90 Td (our ) Tj ET Q q 0 0 0 rg BT 534.25 260.90 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.90 Td (area. ) Tj ET Q q 0 0 0 rg BT 71.31 248.90 Td (Our ) Tj ET Q q 0 0 0 rg BT 89.02 248.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 131.72 248.90 Td (include ) Tj ET Q q 0 0 0 rg BT 163.32 248.90 Td (individuals, ) Tj ET Q q 0 0 0 rg BT 212.42 248.90 Td (small ) Tj ET Q q 0 0 0 rg BT 236.24 248.90 Td (to ) Tj ET Q q 0 0 0 rg BT 246.18 248.90 Td (mid-sized ) Tj ET Q q 0 0 0 rg BT 287.78 248.90 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 334.66 248.90 Td (local ) Tj ET Q q 0 0 0 rg BT 356.25 248.90 Td (governmental ) Tj ET Q q 0 0 0 rg BT 413.39 248.90 Td (units ) Tj ET Q q 0 0 0 rg BT 435.00 248.90 Td (and ) Tj ET Q q 0 0 0 rg BT 451.60 248.90 Td (institutional ) Tj ET Q q 0 0 0 rg BT 501.53 248.90 Td (clients ) Tj ET Q q 0 0 0 rg BT 529.80 248.90 Td (residing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 90.60 236.90 Td (in ) Tj ET Q q 0 0 0 rg BT 101.77 236.90 Td (the ) Tj ET Q q 0 0 0 rg BT 117.37 236.90 Td (banks' ) Tj ET Q q 0 0 0 rg BT 145.89 236.90 Td (local ) Tj ET Q q 0 0 0 rg BT 168.72 236.90 Td (service ) Tj ET Q q 0 0 0 rg BT 200.42 236.90 Td (areas. ) Tj ET Q q 0 0 0 rg BT 226.60 236.90 Td (The ) Tj ET Q q 0 0 0 rg BT 245.54 236.90 Td (banks ) Tj ET Q q 0 0 0 rg BT 272.25 236.90 Td (have ) Tj ET Q q 0 0 0 rg BT 294.52 236.90 Td (a ) Tj ET Q q 0 0 0 rg BT 302.35 236.90 Td (strategy ) Tj ET Q q 0 0 0 rg BT 337.39 236.90 Td (to ) Tj ET Q q 0 0 0 rg BT 348.56 236.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 382.49 236.90 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 446.42 236.90 Td (community-focused ) Tj ET Q q 0 0 0 rg BT 529.78 236.90 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.90 Td (services. ) Tj ET Q q 0 0 0 rg BT 87.34 224.90 Td (In ) Tj ET Q q 0 0 0 rg BT 98.30 224.90 Td (keeping ) Tj ET Q q 0 0 0 rg BT 132.59 224.90 Td (with ) Tj ET Q q 0 0 0 rg BT 153.00 224.90 Td (this ) Tj ET Q q 0 0 0 rg BT 170.09 224.90 Td (strategy) Tj ET Q q 0 0 0 rg BT 201.09 224.90 Td (, ) Tj ET Q q 0 0 0 rg BT 206.22 224.90 Td (the ) Tj ET Q q 0 0 0 rg BT 221.07 224.90 Td (banks ) Tj ET Q q 0 0 0 rg BT 247.04 224.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 280.22 224.90 Td (highly ) Tj ET Q q 0 0 0 rg BT 308.41 224.90 Td (personalized ) Tj ET Q q 0 0 0 rg BT 361.57 224.90 Td (and ) Tj ET Q q 0 0 0 rg BT 378.65 224.90 Td (responsive ) Tj ET Q q 0 0 0 rg BT 424.05 224.90 Td (service, ) Tj ET Q q 0 0 0 rg BT 457.50 224.90 Td (a ) Tj ET Q q 0 0 0 rg BT 464.57 224.90 Td (characteristic ) Tj ET Q q 0 0 0 rg BT 520.50 224.90 Td (of ) Tj ET Q q 0 0 0 rg BT 531.46 224.90 Td (locally-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.90 Td (owned ) Tj ET Q q 0 0 0 rg BT 79.26 212.90 Td (and ) Tj ET Q q 0 0 0 rg BT 96.29 212.90 Td (managed ) Tj ET Q q 0 0 0 rg BT 134.99 212.90 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 183.96 212.90 Td (As ) Tj ET Q q 0 0 0 rg BT 197.67 212.90 Td (such, ) Tj ET Q q 0 0 0 rg BT 221.10 212.90 Td (the ) Tj ET Q q 0 0 0 rg BT 235.92 212.90 Td (banks ) Tj ET Q q 0 0 0 rg BT 261.84 212.90 Td (compete ) Tj ET Q q 0 0 0 rg BT 298.31 212.90 Td (for ) Tj ET Q q 0 0 0 rg BT 312.57 212.90 Td (deposits ) Tj ET Q q 0 0 0 rg BT 347.95 212.90 Td (principally ) Tj ET Q q 0 0 0 rg BT 393.87 212.90 Td (by ) Tj ET Q q 0 0 0 rg BT 406.46 212.90 Td (of) Tj ET Q q 0 0 0 rg BT 414.61 212.90 Td (fering ) Tj ET Q q 0 0 0 rg BT 441.09 212.90 Td (depositors ) Tj ET Q q 0 0 0 rg BT 484.79 212.90 Td (a ) Tj ET Q q 0 0 0 rg BT 491.83 212.90 Td (variety ) Tj ET Q q 0 0 0 rg BT 522.19 212.90 Td (of ) Tj ET Q q 0 0 0 rg BT 533.12 212.90 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.90 Td (programs, ) Tj ET Q q 0 0 0 rg BT 92.61 200.90 Td (convenient ) Tj ET Q q 0 0 0 rg BT 138.83 200.90 Td (of) Tj ET Q q 0 0 0 rg BT 146.98 200.90 Td (fice ) Tj ET Q q 0 0 0 rg BT 164.31 200.90 Td (locations, ) Tj ET Q q 0 0 0 rg BT 205.25 200.90 Td (hours ) Tj ET Q q 0 0 0 rg BT 229.82 200.90 Td (and ) Tj ET Q q 0 0 0 rg BT 246.60 200.90 Td (other ) Tj ET Q q 0 0 0 rg BT 269.49 200.90 Td (services, ) Tj ET Q q 0 0 0 rg BT 306.54 200.90 Td (and ) Tj ET Q q 0 0 0 rg BT 323.33 200.90 Td (for ) Tj ET Q q 0 0 0 rg BT 337.33 200.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 356.89 200.90 Td (originations ) Tj ET Q q 0 0 0 rg BT 407.01 200.90 Td (primarily ) Tj ET Q q 0 0 0 rg BT 446.56 200.90 Td (through ) Tj ET Q q 0 0 0 rg BT 480.01 200.90 Td (the ) Tj ET Q q 0 0 0 rg BT 494.58 200.90 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.35 200.90 Td (rates ) Tj ET Q q 0 0 0 rg BT 547.57 200.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 70.61 188.90 Td (fees ) Tj ET Q q 0 0 0 rg BT 90.09 188.90 Td (they ) Tj ET Q q 0 0 0 rg BT 110.70 188.90 Td (char) Tj ET Q q 0 0 0 rg BT 127.72 188.90 Td (ge, ) Tj ET Q q 0 0 0 rg BT 143.05 188.90 Td (the ) Tj ET Q q 0 0 0 rg BT 158.66 188.90 Td (ef) Tj ET Q q 0 0 0 rg BT 166.25 188.90 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 201.84 188.90 Td (and ) Tj ET Q q 0 0 0 rg BT 219.66 188.90 Td (quality ) Tj ET Q q 0 0 0 rg BT 250.83 188.90 Td (of ) Tj ET Q q 0 0 0 rg BT 262.54 188.90 Td (services ) Tj ET Q q 0 0 0 rg BT 298.14 188.90 Td (they ) Tj ET Q q 0 0 0 rg BT 318.75 188.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 352.68 188.90 Td (to ) Tj ET Q q 0 0 0 rg BT 363.85 188.90 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 407.78 188.90 Td (and ) Tj ET Q q 0 0 0 rg BT 425.61 188.90 Td (the ) Tj ET Q q 0 0 0 rg BT 441.21 188.90 Td (variety ) Tj ET Q q 0 0 0 rg BT 472.36 188.90 Td (of ) Tj ET Q q 0 0 0 rg BT 484.08 188.90 Td (their ) Tj ET Q q 0 0 0 rg BT 505.80 188.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 526.40 188.90 Td (and ) Tj ET Q q 0 0 0 rg BT 544.23 188.90 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.90 Td (management ) Tj ET Q q 0 0 0 rg BT 104.08 176.90 Td (products. ) Tj ET Q q 0 0 0 rg BT 144.02 176.90 Td (Using ) Tj ET Q q 0 0 0 rg BT 170.91 176.90 Td (our ) Tj ET Q q 0 0 0 rg BT 187.23 176.90 Td (decentralized ) Tj ET Q q 0 0 0 rg BT 243.52 176.90 Td (corporate ) Tj ET Q q 0 0 0 rg BT 284.27 176.90 Td (structure ) Tj ET Q q 0 0 0 rg BT 322.25 176.90 Td (to ) Tj ET Q q 0 0 0 rg BT 333.03 176.90 Td (our ) Tj ET Q q 0 0 0 rg BT 349.35 176.90 Td (advantage, ) Tj ET Q q 0 0 0 rg BT 395.38 176.90 Td (we ) Tj ET Q q 0 0 0 rg BT 410.04 176.90 Td (of) Tj ET Q q 0 0 0 rg BT 418.19 176.90 Td (fer ) Tj ET Q q 0 0 0 rg BT 432.28 176.90 Td (our ) Tj ET Q q 0 0 0 rg BT 448.61 176.90 Td (MaxSafe) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 484.70 181.43 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.64 176.90 Td ( ) Tj ET Q q 0 0 0 rg BT 492.64 176.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 524.52 176.90 Td (accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.90 Td (which ) Tj ET Q q 0 0 0 rg BT 77.73 164.90 Td (provide ) Tj ET Q q 0 0 0 rg BT 111.57 164.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 155.40 164.90 Td (with ) Tj ET Q q 0 0 0 rg BT 176.47 164.90 Td (expanded ) Tj ET Q q 0 0 0 rg BT 218.08 164.90 Td (Federal ) Tj ET Q q 0 0 0 rg BT 251.35 164.90 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 285.75 164.90 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 327.91 164.90 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 379.52 164.90 Td (\(FDIC\) ) Tj ET Q q 0 0 0 rg BT 421.13 164.90 Td (insurance ) Tj ET Q q 0 0 0 rg BT 462.74 164.90 Td (coverage ) Tj ET Q q 0 0 0 rg BT 502.11 164.90 Td (by ) Tj ET Q q 0 0 0 rg BT 515.40 164.90 Td (spreading ) Tj ET Q q 0 0 0 rg BT 557.57 164.90 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.90 Td (customer's ) Tj ET Q q 0 0 0 rg BT 96.40 152.90 Td (deposit ) Tj ET Q q 0 0 0 rg BT 129.34 152.90 Td (across ) Tj ET Q q 0 0 0 rg BT 158.38 152.90 Td (our ) Tj ET Q q 0 0 0 rg BT 175.76 152.90 Td (fifteen ) Tj ET Q q 0 0 0 rg BT 205.90 152.90 Td (banks. ) Tj ET Q q 0 0 0 rg BT 235.49 152.90 Td (This ) Tj ET Q q 0 0 0 rg BT 257.32 152.90 Td (product ) Tj ET Q q 0 0 0 rg BT 291.92 152.90 Td (dif) Tj ET Q q 0 0 0 rg BT 302.85 152.90 Td (ferentiates ) Tj ET Q q 0 0 0 rg BT 348.54 152.90 Td (our ) Tj ET Q q 0 0 0 rg BT 365.92 152.90 Td (banks ) Tj ET Q q 0 0 0 rg BT 393.30 152.90 Td (from ) Tj ET Q q 0 0 0 rg BT 416.79 152.90 Td (many ) Tj ET Q q 0 0 0 rg BT 443.06 152.90 Td (of ) Tj ET Q q 0 0 0 rg BT 455.44 152.90 Td (our ) Tj ET Q q 0 0 0 rg BT 472.82 152.90 Td (competitors ) Tj ET Q q 0 0 0 rg BT 524.08 152.90 Td (that ) Tj ET Q q 0 0 0 rg BT 543.13 152.90 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.90 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.50 140.90 Td (their ) Tj ET Q q 0 0 0 rg BT 124.79 140.90 Td (bank ) Tj ET Q q 0 0 0 rg BT 147.19 140.90 Td (charters ) Tj ET Q q 0 0 0 rg BT 181.79 140.90 Td (into ) Tj ET Q q 0 0 0 rg BT 200.31 140.90 Td (branches. ) Tj ET Q q 0 0 0 rg BT 241.09 140.90 Td (W) Tj ET Q q 0 0 0 rg BT 249.73 140.90 Td (e ) Tj ET Q q 0 0 0 rg BT 257.13 140.90 Td (also ) Tj ET Q q 0 0 0 rg BT 276.20 140.90 Td (have ) Tj ET Q q 0 0 0 rg BT 298.04 140.90 Td (a ) Tj ET Q q 0 0 0 rg BT 305.44 140.90 Td (downtown ) Tj ET Q q 0 0 0 rg BT 350.62 140.90 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 386.90 140.90 Td (of) Tj ET Q q 0 0 0 rg BT 395.05 140.90 Td (fice ) Tj ET Q q 0 0 0 rg BT 413.00 140.90 Td (that ) Tj ET Q q 0 0 0 rg BT 430.95 140.90 Td (works ) Tj ET Q q 0 0 0 rg BT 458.36 140.90 Td (with ) Tj ET Q q 0 0 0 rg BT 479.10 140.90 Td (each ) Tj ET Q q 0 0 0 rg BT 500.37 140.90 Td (of ) Tj ET Q q 0 0 0 rg BT 511.66 140.90 Td (our ) Tj ET Q q 0 0 0 rg BT 527.95 140.90 Td (banks ) Tj ET Q q 0 0 0 rg BT 554.24 140.90 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.90 Td (capture ) Tj ET Q q 0 0 0 rg BT 83.09 128.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 133.96 128.90 Td (and ) Tj ET Q q 0 0 0 rg BT 152.07 128.90 Td (industrial ) Tj ET Q q 0 0 0 rg BT 193.52 128.90 Td (business. ) Tj ET Q q 0 0 0 rg BT 233.58 128.90 Td (Our ) Tj ET Q q 0 0 0 rg BT 252.80 128.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 303.67 128.90 Td (and ) Tj ET Q q 0 0 0 rg BT 321.78 128.90 Td (industrial ) Tj ET Q q 0 0 0 rg BT 363.22 128.90 Td (lenders ) Tj ET Q q 0 0 0 rg BT 395.77 128.90 Td (in ) Tj ET Q q 0 0 0 rg BT 407.22 128.90 Td (our ) Tj ET Q q 0 0 0 rg BT 424.22 128.90 Td (downtown ) Tj ET Q q 0 0 0 rg BT 470.11 128.90 Td (of) Tj ET Q q 0 0 0 rg BT 478.26 128.90 Td (fice ) Tj ET Q q 0 0 0 rg BT 496.92 128.90 Td (operate ) Tj ET Q q 0 0 0 rg BT 530.01 128.90 Td (in ) Tj ET Q q 0 0 0 rg BT 541.46 128.90 Td (close ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.90 Td (partnership ) Tj ET Q q 0 0 0 rg BT 97.77 116.90 Td (with ) Tj ET Q q 0 0 0 rg BT 118.34 116.90 Td (lenders ) Tj ET Q q 0 0 0 rg BT 150.00 116.90 Td (at ) Tj ET Q q 0 0 0 rg BT 160.01 116.90 Td (our ) Tj ET Q q 0 0 0 rg BT 176.13 116.90 Td (community ) Tj ET Q q 0 0 0 rg BT 224.47 116.90 Td (banks. ) Tj ET Q q 0 0 0 rg BT 253.09 116.90 Td (By ) Tj ET Q q 0 0 0 rg BT 267.54 116.90 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(innovative ) Tj ET Q q 0 0 0 rg BT 204.76 80.90 Td (and ) Tj ET Q q 0 0 0 rg BT 222.16 80.90 Td (traditional ) Tj ET Q q 0 0 0 rg BT 266.22 80.90 Td (services ) Tj ET Q q 0 0 0 rg BT 301.38 80.90 Td (specially ) Tj ET Q q 0 0 0 rg BT 339.89 80.90 Td (tailored ) Tj ET Q q 0 0 0 rg BT 373.39 80.90 Td (to ) Tj ET Q q 0 0 0 rg BT 384.13 80.90 Td (meet ) Tj ET Q q 0 0 0 rg BT 406.52 80.90 Td (the ) Tj ET Q q 0 0 0 rg BT 421.70 80.90 Td (needs ) Tj ET Q q 0 0 0 rg BT 447.43 80.90 Td (of ) Tj ET Q q 0 0 0 rg BT 458.72 80.90 Td (customers ) Tj ET Q q 0 0 0 rg BT 502.23 80.90 Td (in ) Tj ET Q q 0 0 0 rg BT 512.96 80.90 Td (their ) Tj ET Q q 0 0 0 rg BT 534.25 80.90 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 68.90 Td (areas.) Tj ET Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (4) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.21 742.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 108.44 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 123.91 742.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 158.26 742.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 197.04 742.10 Td (through ) Tj ET Q q 0 0 0 rg BT 230.28 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 236.86 742.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 288.98 742.10 Td (of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 299.45 742.10 Td (de ) Tj ET Q q 0 0 0 rg BT 311.02 742.10 Td (novo) Tj ET Q BT /F1 10.00 Tf ET q 0 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Tj ET Q q 0 0 0 rg BT 276.53 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.58 730.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 338.60 730.10 Td (bankers ) Tj ET Q q 0 0 0 rg BT 372.42 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.58 730.10 Td (local ) Tj ET Q q 0 0 0 rg BT 411.73 730.10 Td (business ) Tj ET Q q 0 0 0 rg BT 448.34 730.10 Td (people ) Tj ET Q q 0 0 0 rg BT 477.71 730.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 518.75 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 530.91 730.10 Td (unfilled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (niche ) Tj ET Q q 0 0 0 rg BT 74.90 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.92 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.38 718.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 137.94 718.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 192.29 718.10 Td (area ) Tj ET Q q 0 0 0 rg BT 212.17 718.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 235.96 718.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 271.42 718.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 304.21 718.10 Td (As ) Tj ET Q q 0 0 0 rg BT 318.56 718.10 Td (lar) Tj ET Q q 0 0 0 rg BT 328.93 718.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 341.61 718.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 368.18 718.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 405.85 718.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 438.52 718.10 Td (ones ) Tj ET Q q 0 0 0 rg BT 460.10 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.78 718.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 514.90 718.10 Td (service ) Tj ET Q q 0 0 0 rg BT 546.45 718.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (subjected ) Tj ET Q q 0 0 0 rg BT 90.26 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.54 706.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 156.91 706.10 Td (strategies, ) Tj ET Q q 0 0 0 rg BT 199.67 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.39 706.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 263.55 706.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 303.80 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 317.96 706.10 Td (locally ) Tj ET Q q 0 0 0 rg BT 347.66 706.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 376.82 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.76 706.10 Td (operated, ) Tj ET Q q 0 0 0 rg BT 433.18 706.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 461.23 706.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 497.60 706.10 Td (service-oriented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 78.15 694.10 Td (As ) Tj ET Q q 0 0 0 rg BT 92.23 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 99.65 694.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 127.34 694.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 150.30 694.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 178.27 694.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 202.35 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.55 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 225.31 694.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 243.28 694.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 285.14 694.10 Td (\(Lake ) Tj ET Q q 0 0 0 rg BT 315.87 694.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 343.84 694.10 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 375.69 694.10 Td (was ) Tj ET Q q 0 0 0 rg BT 394.22 694.10 Td (founded ) Tj ET Q q 0 0 0 rg BT 429.96 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 440.71 694.10 Td (December ) Tj ET Q q 0 0 0 rg BT 484.77 694.10 Td (1991 ) Tj ET Q q 0 0 0 rg BT 507.74 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.49 694.10 Td (service ) Tj ET Q q 0 0 0 rg BT 549.78 694.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 72.49 682.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 99.99 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.92 682.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 139.41 682.10 Td (Bluf) Tj ET Q q 0 0 0 rg BT 157.01 682.10 Td (f ) Tj ET Q q 0 0 0 rg BT 162.84 682.10 Td (communities. ) Tj ET Q q 0 0 0 rg BT 219.50 682.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 661.10 Td (e ) Tj ET Q q 0 0 0 rg BT 67.05 661.10 Td (now ) Tj ET Q q 0 0 0 rg BT 88.24 661.10 Td (own ) Tj ET Q q 0 0 0 rg BT 109.44 661.10 Td (fifteen ) Tj ET Q q 0 0 0 rg BT 139.50 661.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 169.30 661.10 Td (including ) Tj ET Q q 0 0 0 rg BT 211.05 661.10 Td (nine ) Tj ET Q q 0 0 0 rg BT 232.24 661.10 Td (Illinois-chartered ) Tj ET Q q 0 0 0 rg BT 305.07 661.10 Td (banks: ) Tj ET Q q 0 0 0 rg BT 335.15 661.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 359.11 661.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 388.08 661.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 415.66 661.10 Td (Hinsdale ) Tj ET Q q 0 0 0 rg BT 455.18 661.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 480.26 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.38 661.10 Td (T) Tj ET Q q 0 0 0 rg BT 504.14 661.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 523.11 661.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (\(Hinsdale ) Tj ET Q q 0 0 0 rg BT 97.35 649.10 Td (Bank\), ) Tj ET Q q 0 0 0 rg BT 132.47 649.10 Td (W) Tj ET Q q 0 0 0 rg BT 141.50 649.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 171.09 649.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 198.73 649.10 Td (Libertyville ) Tj ET Q q 0 0 0 rg BT 249.97 649.10 Td (Bank ) Tj ET Q q 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637.10 Td (Bank\), ) Tj ET Q q 0 0 0 rg BT 345.69 637.10 Td (Wheaton ) Tj ET Q q 0 0 0 rg BT 384.62 637.10 Td (Bank& ) Tj ET Q q 0 0 0 rg BT 418.63 637.10 Td (T) Tj ET Q q 0 0 0 rg BT 424.39 637.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 442.22 637.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 483.94 637.10 Td (\(Wheaton ) Tj ET Q q 0 0 0 rg BT 530.63 637.10 Td (Bank\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (State ) Tj ET Q q 0 0 0 rg BT 73.46 625.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 98.04 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.83 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.52 625.10 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 152.86 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 170.77 625.10 Td (St. ) Tj ET Q q 0 0 0 rg BT 185.07 625.10 Td (Charles ) Tj ET Q q 0 0 0 rg BT 219.09 625.10 Td (Bank& ) Tj ET Q q 0 0 0 rg BT 253.69 625.10 Td (T) Tj ET Q q 0 0 0 rg BT 259.45 625.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 277.91 625.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 320.27 625.10 Td (\(St. ) Tj ET Q q 0 0 0 rg BT 342.34 625.10 Td (Charles ) Tj ET Q q 0 0 0 rg BT 376.36 625.10 Td (Bank\). ) Tj ET Q q 0 0 0 rg BT 411.20 625.10 Td (In ) Tj ET Q q 0 0 0 rg BT 423.00 625.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 461.74 625.10 Td (we ) Tj ET Q q 0 0 0 rg BT 476.86 625.10 Td (have ) Tj ET Q q 0 0 0 rg BT 499.21 625.10 Td (one ) Tj ET Q q 0 0 0 rg BT 516.86 625.10 Td (W) Tj ET Q q 0 0 0 rg BT 525.90 625.10 Td (isconsin-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (chartered ) Tj ET Q q 0 0 0 rg BT 90.05 613.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 114.63 613.10 Td (T) Tj ET Q q 0 0 0 rg BT 120.04 613.10 Td (own ) Tj ET Q q 0 0 0 rg BT 140.12 613.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 166.58 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 183.87 613.10 Td (five ) Tj ET Q q 0 0 0 rg BT 202.27 613.10 Td (nationally ) Tj ET Q q 0 0 0 rg BT 245.11 613.10 Td (chartered ) Tj ET Q q 0 0 0 rg BT 285.16 613.10 Td (banks: ) Tj ET Q q 0 0 0 rg BT 314.12 613.10 Td (Barrington ) Tj ET Q q 0 0 0 rg BT 360.30 613.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 386.76 613.10 Td (Crystal ) Tj ET Q q 0 0 0 rg BT 418.50 613.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 441.34 613.10 Td (Bank& ) Tj ET Q q 0 0 0 rg BT 475.37 613.10 Td (T) Tj ET Q q 0 0 0 rg BT 481.13 613.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 498.98 613.10 Td (Company) Tj ET Q q 0 0 0 rg BT 537.22 613.10 Td (, ) Tj ET Q q 0 0 0 rg BT 542.57 613.10 Td (N.A. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (\(Crystal ) Tj ET Q q 0 0 0 rg BT 88.66 601.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 110.65 601.10 Td (Bank\), ) Tj ET Q q 0 0 0 rg BT 144.04 601.10 Td (Schaumbur) Tj ET Q q 0 0 0 rg BT 189.40 601.10 Td (g ) Tj ET Q q 0 0 0 rg BT 196.41 601.10 Td (Bank& ) Tj ET Q q 0 0 0 rg BT 229.66 601.10 Td (T) Tj ET Q q 0 0 0 rg BT 235.42 601.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 252.42 601.10 Td (Company) Tj ET Q q 0 0 0 rg BT 290.66 601.10 Td (, ) Tj ET Q q 0 0 0 rg BT 295.17 601.10 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 316.62 601.10 Td (\(Schaumbur) Tj ET Q q 0 0 0 rg BT 369.75 601.10 Td (g ) Tj ET Q q 0 0 0 rg BT 376.76 601.10 Td (Bank\), ) Tj ET Q q 0 0 0 rg BT 410.14 601.10 Td (Beverly ) Tj ET Q q 0 0 0 rg BT 443.81 601.10 Td (Bank& ) Tj ET Q q 0 0 0 rg BT 477.05 601.10 Td (T) Tj ET Q q 0 0 0 rg BT 482.81 601.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 499.82 601.10 Td (Company) Tj ET Q q 0 0 0 rg BT 538.05 601.10 Td (, ) Tj ET Q q 0 0 0 rg BT 542.56 601.10 Td (N.A. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (\(Beverly ) Tj ET Q q 0 0 0 rg BT 91.92 589.10 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 123.29 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.22 589.10 Td (Old ) Tj ET Q q 0 0 0 rg BT 157.71 589.10 Td (Plank ) Tj ET Q q 0 0 0 rg BT 182.80 589.10 Td (T) Tj ET Q q 0 0 0 rg BT 188.56 589.10 Td (rail ) Tj ET Q q 0 0 0 rg BT 204.38 589.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 254.65 589.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 280.75 589.10 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 302.69 589.10 Td (\(Old ) Tj ET Q q 0 0 0 rg BT 327.95 589.10 Td (Plank ) Tj ET Q q 0 0 0 rg BT 353.04 589.10 Td (T) Tj ET Q q 0 0 0 rg BT 358.80 589.10 Td (rail ) Tj ET Q q 0 0 0 rg BT 374.62 589.10 Td (Bank\). ) Tj ET Q q 0 0 0 rg BT 407.93 589.10 Td (As ) Tj ET Q q 0 0 0 rg BT 421.54 589.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.36 589.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 490.94 589.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.94 589.10 Td (, ) Tj ET Q q 0 0 0 rg BT 515.93 589.10 Td (we ) Tj ET Q q 0 0 0 rg BT 530.09 589.10 Td (had ) Tj ET Q q 0 0 0 rg BT 547.02 589.10 Td (152 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.72 577.10 Td (locations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 71.65 556.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 92.75 556.10 Td (is ) Tj ET Q q 0 0 0 rg BT 101.09 556.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 131.08 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.52 556.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 185.22 556.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 233.00 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.10 556.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 279.08 556.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 330.17 556.10 Td (by: ) Tj ET Q q 0 0 0 rg BT 344.61 556.10 Td (\(1\)the ) Tj ET Q q 0 0 0 rg BT 372.65 556.10 Td (Secretary ) Tj ET Q q 0 0 0 rg BT 412.07 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.07 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.95 556.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 465.95 556.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 514.81 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.81 556.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.38 544.10 Td (Professional ) Tj ET Q q 0 0 0 rg BT 117.76 544.10 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 163.59 544.10 Td (\(Illinois ) Tj ET Q q 0 0 0 rg BT 201.63 544.10 Td (Secretary\) ) Tj ET Q q 0 0 0 rg BT 249.10 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.48 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.64 544.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 306.02 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.29 544.10 Td (Governors ) Tj ET Q q 0 0 0 rg BT 360.44 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.72 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.88 544.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 416.80 544.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 450.95 544.10 Td (System ) Tj ET Q q 0 0 0 rg BT 482.34 544.10 Td (\(Federal ) Tj ET Q q 0 0 0 rg BT 522.04 544.10 Td (Reserve\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.00 532.10 Td (Illinois-chartered ) Tj ET Q q 0 0 0 rg BT 135.19 532.10 Td (banks; ) Tj ET Q q 0 0 0 rg BT 163.64 532.10 Td (\(2\)the ) Tj ET Q q 0 0 0 rg BT 192.35 532.10 Td (Of) Tj ET Q q 0 0 0 rg BT 202.72 532.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 220.04 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.71 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.26 532.10 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 296.48 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.15 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.70 532.10 Td (Currency ) Tj ET Q q 0 0 0 rg BT 361.24 532.10 Td (\(OCC\) ) Tj ET Q q 0 0 0 rg BT 399.68 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 413.67 532.10 Td (nationally-chartered ) Tj ET Q q 0 0 0 rg BT 496.52 532.10 Td (banks; ) Tj ET Q q 0 0 0 rg BT 524.97 532.10 Td (or ) Tj ET Q q 0 0 0 rg BT 535.63 532.10 Td (\(3\)the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 520.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 94.32 520.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 144.02 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.85 520.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 194.56 520.10 Td (Institutions ) Tj ET Q q 0 0 0 rg BT 242.07 520.10 Td (\(W) Tj ET Q q 0 0 0 rg BT 258.87 520.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 294.15 520.10 Td (Department\) ) Tj ET Q q 0 0 0 rg BT 351.62 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.56 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.28 520.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 415.76 520.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 450.47 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.45 520.10 Td (T) Tj ET Q q 0 0 0 rg BT 469.86 520.10 Td (own ) Tj ET Q q 0 0 0 rg BT 489.58 520.10 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 499.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.69 499.10 Td (also ) Tj ET Q q 0 0 0 rg BT 84.40 499.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 115.33 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 125.72 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.54 499.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 163.70 499.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 210.19 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 227.24 499.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 286.49 499.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 324.64 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.58 499.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 379.84 499.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 424.10 499.10 Td (through ) Tj ET Q q 0 0 0 rg BT 457.63 499.10 Td (W) Tj ET Q q 0 0 0 rg BT 466.67 499.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 494.84 499.10 Td (Mortgage. ) Tj ET Q q 0 0 0 rg BT 538.83 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 541.44 499.10 Td (Most ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 92.99 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.88 487.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 152.87 487.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 176.43 487.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 195.55 487.10 Td (into ) Tj ET Q q 0 0 0 rg BT 213.55 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.22 487.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 271.21 487.10 Td (market ) Tj ET Q q 0 0 0 rg BT 301.42 487.10 Td (are ) Tj ET Q q 0 0 0 rg BT 316.08 487.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 335.20 487.10 Td (with ) Tj ET Q q 0 0 0 rg BT 355.43 487.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 394.53 487.10 Td (released. ) Tj ET Q q 0 0 0 rg BT 432.24 487.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 464.12 487.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 507.11 487.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 530.67 487.10 Td (are ) Tj ET Q q 0 0 0 rg BT 545.33 487.10 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.61 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.65 475.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 126.06 475.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 153.22 475.10 Td (with ) Tj ET Q q 0 0 0 rg BT 174.82 475.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 215.31 475.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 259.68 475.10 Td (within ) Tj ET Q q 0 0 0 rg BT 288.79 475.10 Td (W) Tj ET Q q 0 0 0 rg BT 297.82 475.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 327.21 475.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 369.91 475.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 417.62 475.10 Td (W) Tj ET Q q 0 0 0 rg BT 426.66 475.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 456.04 475.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 498.75 475.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 541.46 475.10 Td (retail ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 91.34 463.10 Td (of) Tj ET Q q 0 0 0 rg BT 99.49 463.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 121.95 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 133.30 463.10 Td (a ) Tj ET Q q 0 0 0 rg BT 141.32 463.10 Td (number ) Tj ET Q q 0 0 0 rg BT 175.44 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.35 463.10 Td (states, ) Tj ET Q q 0 0 0 rg BT 215.65 463.10 Td (with ) Tj ET Q q 0 0 0 rg BT 237.00 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.80 463.10 Td (lar) Tj ET Q q 0 0 0 rg BT 263.17 463.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 282.85 463.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 340.85 463.10 Td (located ) Tj ET Q q 0 0 0 rg BT 373.30 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 384.66 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.45 463.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 439.85 463.10 Td (Minneapolis ) Tj ET Q q 0 0 0 rg BT 493.43 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.44 463.10 Td (Los ) Tj ET Q q 0 0 0 rg BT 529.23 463.10 Td (Angeles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 103.60 451.10 Td (areas. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 427.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.80 427.10 Td (also ) Tj ET Q q 0 0 0 rg BT 82.64 427.10 Td (of) Tj ET Q q 0 0 0 rg BT 90.79 427.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 103.61 427.10 Td (several ) Tj ET Q q 0 0 0 rg BT 133.65 427.10 Td (niche ) Tj ET Q q 0 0 0 rg BT 157.03 427.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 188.75 427.10 Td (products ) Tj ET Q q 0 0 0 rg BT 224.92 427.10 Td (through ) Tj ET Q q 0 0 0 rg BT 257.75 427.10 Td (several ) Tj ET Q q 0 0 0 rg BT 287.80 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.85 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.79 427.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 339.23 427.10 Td (These ) Tj ET Q q 0 0 0 rg BT 364.83 427.10 Td (include ) Tj ET Q q 0 0 0 rg BT 395.99 427.10 Td (Barrington ) Tj ET Q q 0 0 0 rg BT 441.04 427.10 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 469.57 427.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 518.70 427.10 Td (Advantage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 91.52 415.10 Td (which ) Tj ET Q q 0 0 0 rg BT 121.10 415.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 160.68 415.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 198.31 415.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 232.34 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.92 415.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 274.83 415.10 Td (management ) Tj ET Q q 0 0 0 rg BT 331.06 415.10 Td (services ) Tj ET Q q 0 0 0 rg BT 368.41 415.10 Td (to ) Tj ET Q q 0 0 0 rg BT 381.33 415.10 Td (condominium, ) Tj ET Q q 0 0 0 rg BT 444.52 415.10 Td (homeowner ) Tj ET Q q 0 0 0 rg BT 496.87 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 516.45 415.10 Td (community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (associations; ) Tj ET Q q 0 0 0 rg BT 105.00 403.10 Td (Hinsdale ) Tj ET Q q 0 0 0 rg BT 144.43 403.10 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 175.13 403.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 216.78 403.10 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 263.43 403.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 297.32 403.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 337.59 403.10 Td (which ) Tj ET Q q 0 0 0 rg BT 365.92 403.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 404.25 403.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 425.36 403.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.69 403.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 476.46 403.10 Td (services ) Tj ET Q q 0 0 0 rg BT 512.56 403.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.23 403.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 91.91 391.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 136.60 391.10 Td (located ) Tj ET Q q 0 0 0 rg BT 167.41 391.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 227.66 391.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.37 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.52 391.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 286.78 391.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 339.81 391.10 Td (area; ) Tj ET Q q 0 0 0 rg BT 361.17 391.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.54 391.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 399.46 391.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 426.39 391.10 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 455.12 391.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 493.70 391.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 525.63 391.10 Td (program, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (which ) Tj ET Q q 0 0 0 rg BT 78.84 379.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 117.69 379.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 152.08 379.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.27 379.10 Td (restaurant ) Tj ET Q q 0 0 0 rg BT 208.10 379.10 Td (franchisees. ) Tj ET Q q 0 0 0 rg BT 259.98 379.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 287.15 379.10 Td (niches ) Tj ET Q q 0 0 0 rg BT 317.10 379.10 Td (of) Tj ET Q q 0 0 0 rg BT 325.25 379.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 350.19 379.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 398.48 379.10 Td (our ) Tj ET Q q 0 0 0 rg BT 416.22 379.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 452.84 379.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 493.89 379.10 Td (include ) Tj ET Q q 0 0 0 rg BT 527.41 379.10 Td (W) Tj ET Q q 0 0 0 rg BT 536.44 379.10 Td (intrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.26 367.10 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 137.24 367.10 Td (which ) Tj ET Q q 0 0 0 rg BT 163.51 367.10 Td (of) Tj ET Q q 0 0 0 rg BT 171.66 367.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 188.48 367.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 213.08 367.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 243.23 367.10 Td (opportunities; ) Tj ET Q q 0 0 0 rg BT 300.48 367.10 Td (W) Tj ET Q q 0 0 0 rg BT 309.52 367.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 336.91 367.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 374.30 367.10 Td (Credit, ) Tj ET Q q 0 0 0 rg BT 403.62 367.10 Td (which ) Tj ET Q q 0 0 0 rg BT 429.89 367.10 Td (specializes ) Tj ET Q q 0 0 0 rg BT 475.03 367.10 Td (in ) Tj ET Q q 0 0 0 rg BT 484.64 367.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 532.01 367.10 Td (lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.98 355.10 Td (middle-market ) Tj ET Q q 0 0 0 rg BT 125.16 355.10 Td (companies; ) Tj ET Q q 0 0 0 rg BT 172.85 355.10 Td (W) Tj ET Q q 0 0 0 rg BT 181.89 355.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 209.76 355.10 Td (SBA) Tj ET Q q 0 0 0 rg BT 228.67 355.10 Td ( ) Tj ET Q q 0 0 0 rg BT 230.98 355.10 Td (Lending, ) Tj ET Q q 0 0 0 rg BT 269.12 355.10 Td (which ) Tj ET Q q 0 0 0 rg BT 295.88 355.10 Td (is ) Tj ET Q q 0 0 0 rg BT 304.87 355.10 Td (dedicated ) Tj ET Q q 0 0 0 rg BT 345.49 355.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.59 355.10 Td (of) Tj ET Q q 0 0 0 rg BT 363.74 355.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 389.93 355.10 Td (expertise ) Tj ET Q q 0 0 0 rg BT 428.34 355.10 Td (in ) Tj ET Q q 0 0 0 rg BT 438.44 355.10 Td (Small ) Tj ET Q q 0 0 0 rg BT 464.09 355.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 501.46 355.10 Td (Administration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (loans; ) Tj ET Q q 0 0 0 rg BT 75.72 343.10 Td (W) Tj ET Q q 0 0 0 rg BT 84.76 343.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 112.29 343.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 163.70 343.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 184.00 343.10 Td (Estate, ) Tj ET Q q 0 0 0 rg BT 212.91 343.10 Td (which ) Tj ET Q q 0 0 0 rg BT 239.32 343.10 Td (concentrates ) Tj ET Q q 0 0 0 rg BT 291.27 343.10 Td (on ) Tj ET Q q 0 0 0 rg BT 303.25 343.10 Td (real ) Tj ET Q q 0 0 0 rg BT 320.21 343.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 344.95 343.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 376.92 343.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 415.02 343.10 Td (including ) Tj ET Q q 0 0 0 rg BT 454.77 343.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 503.94 343.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 547.57 343.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 102.68 331.10 Td (loans; ) Tj ET Q q 0 0 0 rg BT 129.82 331.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.27 331.10 Td (W) Tj ET Q q 0 0 0 rg BT 156.31 331.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 185.12 331.10 Td (Government, ) Tj ET Q q 0 0 0 rg BT 240.85 331.10 Td (Non-Profit ) Tj ET Q q 0 0 0 rg BT 287.43 331.10 Td (& ) Tj ET Q q 0 0 0 rg BT 298.46 331.10 Td (Hospital, ) Tj ET Q q 0 0 0 rg BT 338.10 331.10 Td (which ) Tj ET Q q 0 0 0 rg BT 365.78 331.10 Td (focuses ) Tj ET Q q 0 0 0 rg BT 399.02 331.10 Td (on ) Tj ET Q q 0 0 0 rg BT 412.27 331.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 450.50 331.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 489.87 331.10 Td (for ) Tj ET Q q 0 0 0 rg BT 504.78 331.10 Td (mission-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (or) Tj ET Q q 0 0 0 rg BT 58.15 319.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 106.19 319.10 Td (such ) Tj ET Q q 0 0 0 rg BT 127.02 319.10 Td (as ) Tj ET Q q 0 0 0 rg BT 137.85 319.10 Td (hospitals, ) Tj ET Q q 0 0 0 rg BT 178.41 319.10 Td (non-profits, ) Tj ET Q q 0 0 0 rg BT 227.85 319.10 Td (educational ) Tj ET Q q 0 0 0 rg BT 276.44 319.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 323.39 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.33 319.10 Td (local ) Tj ET Q q 0 0 0 rg BT 362.26 319.10 Td (government ) Tj ET Q q 0 0 0 rg BT 412.52 319.10 Td (operations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Specialty Finance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 277.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.54 277.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 99.66 277.10 Td (our ) Tj ET Q q 0 0 0 rg BT 115.45 277.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 153.45 277.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 185.34 277.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 230.02 277.10 Td (through ) Tj ET Q q 0 0 0 rg BT 263.59 277.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 303.83 277.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 356.00 277.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 374.02 277.10 Td (wholly ) Tj ET Q q 0 0 0 rg BT 404.26 277.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 433.38 277.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 473.84 277.10 Td (, ) Tj ET Q q 0 0 0 rg BT 478.80 277.10 Td (FIFC, ) Tj ET Q q 0 0 0 rg BT 504.89 277.10 Td (engages ) Tj ET Q q 0 0 0 rg BT 539.56 277.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.80 277.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 88.58 265.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 120.48 265.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 167.92 265.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 206.79 265.10 Td (our ) Tj ET Q q 0 0 0 rg BT 222.59 265.10 Td (most ) Tj ET Q q 0 0 0 rg BT 244.52 265.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 289.20 265.10 Td (specialized ) Tj ET Q q 0 0 0 rg BT 336.10 265.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 368.57 265.10 Td (niche, ) Tj ET Q q 0 0 0 rg BT 395.20 265.10 Td (including ) Tj ET Q q 0 0 0 rg BT 435.44 265.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 485.12 265.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 525.91 265.10 Td (premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 82.21 253.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.44 253.10 Td (life ) Tj ET Q q 0 0 0 rg BT 115.55 253.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 156.65 253.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 195.54 253.10 Td (finance. ) Tj ET Q q 0 0 0 rg BT 230.25 253.10 Td ( ) Tj ET Q q 0 0 0 rg BT 232.84 253.10 Td (W) Tj ET Q q 0 0 0 rg BT 241.48 253.10 Td (e ) Tj ET Q q 0 0 0 rg BT 248.70 253.10 Td (also ) Tj ET Q q 0 0 0 rg BT 267.60 253.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 298.70 253.10 Td (in ) Tj ET Q q 0 0 0 rg BT 309.27 253.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 359.25 253.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 400.35 253.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 439.24 253.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 471.45 253.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.02 253.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 514.79 253.10 Td (through ) Tj ET Q q 0 0 0 rg BT 548.69 253.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (wholly ) Tj ET Q q 0 0 0 rg BT 80.28 241.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 109.44 241.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 153.05 241.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 176.67 241.10 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 211.66 241.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.94 220.10 Td (their ) Tj ET Q q 0 0 0 rg BT 83.87 220.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 134.67 220.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 176.59 220.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 216.30 220.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 249.33 220.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 297.09 220.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 321.82 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.87 220.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 364.59 220.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 398.19 220.10 Td (make ) Tj ET Q q 0 0 0 rg BT 423.45 220.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 448.16 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.55 220.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 505.37 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.76 220.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 549.79 220.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.81 208.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 133.29 208.10 Td (they ) Tj ET Q q 0 0 0 rg BT 153.00 208.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 169.93 208.10 Td (on ) Tj ET Q q 0 0 0 rg BT 182.42 208.10 Td (their ) Tj ET Q q 0 0 0 rg BT 203.23 208.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 252.92 208.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 293.73 208.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 329.27 208.10 Td (Approved ) Tj ET Q q 0 0 0 rg BT 371.75 208.10 Td (medium ) Tj ET Q q 0 0 0 rg BT 407.01 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.94 208.10 Td (lar) Tj ET Q q 0 0 0 rg BT 434.31 208.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 446.24 208.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 487.04 208.10 Td (agents ) Tj ET Q q 0 0 0 rg BT 515.08 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 532.01 208.10 Td (brokers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (located ) Tj ET Q q 0 0 0 rg BT 80.21 196.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 125.44 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.00 196.10 Td (United ) Tj ET Q q 0 0 0 rg BT 167.55 196.10 Td (States ) Tj ET Q q 0 0 0 rg BT 192.78 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.56 196.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 239.89 196.10 Td (assist ) Tj ET Q q 0 0 0 rg BT 262.90 196.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 285.36 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 301.14 196.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 323.60 196.10 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 357.43 196.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 405.09 196.10 Td (, ) Tj ET Q q 0 0 0 rg BT 408.93 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.05 196.10 Td (arranging ) Tj ET Q q 0 0 0 rg BT 457.70 196.10 Td (each ) Tj ET Q q 0 0 0 rg BT 477.36 196.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 525.90 196.10 Td (premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 82.54 184.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 102.88 184.10 Td (between ) Tj ET Q q 0 0 0 rg BT 139.31 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.64 184.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 194.41 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.97 184.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 236.21 184.10 Td (or ) Tj ET Q q 0 0 0 rg BT 247.66 184.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 271.90 184.10 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 307.50 184.10 Td (as ) Tj ET Q q 0 0 0 rg BT 318.95 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.28 184.10 Td (case ) Tj ET Q q 0 0 0 rg BT 354.61 184.10 Td (may ) Tj ET Q q 0 0 0 rg BT 374.94 184.10 Td (be. ) Tj ET Q q 0 0 0 rg BT 390.00 184.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 414.24 184.10 Td (or ) Tj ET Q q 0 0 0 rg BT 425.69 184.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 449.93 184.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 483.03 184.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 523.35 184.10 Td (each ) Tj ET Q q 0 0 0 rg BT 544.78 184.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (request ) Tj ET Q q 0 0 0 rg BT 81.17 172.10 Td (according ) Tj ET Q q 0 0 0 rg BT 122.89 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 132.96 172.10 Td (its ) Tj ET Q q 0 0 0 rg BT 144.70 172.10 Td (own ) Tj ET Q q 0 0 0 rg BT 164.21 172.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 218.16 172.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 248.76 172.10 Td (including ) Tj ET Q q 0 0 0 rg BT 288.83 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.34 172.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 335.63 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.25 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.76 172.10 Td (down ) Tj ET Q q 0 0 0 rg BT 385.27 172.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 422.00 172.10 Td (on ) Tj ET Q q 0 0 0 rg BT 434.29 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.80 172.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 489.41 172.10 Td (policy) Tj ET Q q 0 0 0 rg BT 513.75 172.10 Td (, ) Tj ET Q q 0 0 0 rg BT 518.54 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.05 172.10 Td (term ) Tj ET Q q 0 0 0 rg BT 553.67 172.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.41 160.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 88.31 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.72 160.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 129.67 160.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 160.64 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.16 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.56 160.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 229.07 160.10 Td (company ) Tj ET Q q 0 0 0 rg BT 268.91 160.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 310.99 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.40 160.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 364.01 160.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 405.52 160.10 Td (policy) Tj ET Q q 0 0 0 rg BT 429.86 160.10 Td (, ) Tj ET Q q 0 0 0 rg BT 435.55 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.96 160.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 483.58 160.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 504.26 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.67 160.10 Td (borrower's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 87.11 148.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 124.21 148.10 Td (history) Tj ET Q q 0 0 0 rg BT 151.34 148.10 Td (, ) Tj ET Q q 0 0 0 rg BT 156.51 148.10 Td (if ) Tj ET Q q 0 0 0 rg BT 165.29 148.10 Td (any) Tj ET Q q 0 0 0 rg BT 179.08 148.10 Td (, ) Tj ET Q q 0 0 0 rg BT 184.25 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.36 148.10 Td (other ) Tj ET Q q 0 0 0 rg BT 224.58 148.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 254.46 148.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 288.22 148.10 Td (appropriate. ) Tj ET Q q 0 0 0 rg BT 338.93 148.10 Td (Upon ) Tj ET Q q 0 0 0 rg BT 363.82 148.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 401.47 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 412.48 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.36 148.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 447.25 148.10 Td (by ) Tj ET Q q 0 0 0 rg BT 459.92 148.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 483.72 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 494.72 148.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 518.51 148.10 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 553.67 148.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.19 136.10 Td (case ) Tj ET Q q 0 0 0 rg BT 85.37 136.10 Td (may ) Tj ET Q q 0 0 0 rg BT 105.56 136.10 Td (be, ) Tj ET Q q 0 0 0 rg BT 120.47 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.66 136.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 175.29 136.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 203.81 136.10 Td (a ) Tj ET Q q 0 0 0 rg BT 211.22 136.10 Td (down ) Tj ET Q q 0 0 0 rg BT 236.42 136.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 273.82 136.10 Td (on ) Tj ET Q q 0 0 0 rg BT 286.80 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.99 136.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 339.38 136.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 380.67 136.10 Td (policy) Tj ET Q q 0 0 0 rg BT 405.02 136.10 Td (, ) Tj ET Q q 0 0 0 rg BT 410.49 136.10 Td (which ) Tj ET Q q 0 0 0 rg BT 437.91 136.10 Td (is ) Tj ET Q q 0 0 0 rg BT 447.55 136.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 487.72 136.10 Td (done ) Tj ET Q q 0 0 0 rg BT 510.14 136.10 Td (by ) Tj ET Q q 0 0 0 rg BT 523.11 136.10 Td (providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 87.42 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.18 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.38 124.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 138.01 124.10 Td (or ) Tj ET Q q 0 0 0 rg BT 149.33 124.10 Td (broker) Tj ET Q q 0 0 0 rg BT 175.02 124.10 Td (, ) Tj ET Q q 0 0 0 rg BT 180.51 124.10 Td (who ) Tj ET Q q 0 0 0 rg BT 200.71 124.10 Td (then ) Tj ET Q q 0 0 0 rg BT 220.91 124.10 Td (forwards ) Tj ET Q q 0 0 0 rg BT 259.43 124.10 Td (it ) Tj ET Q q 0 0 0 rg BT 267.97 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.73 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.93 124.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 335.23 124.10 Td (company) Tj ET Q q 0 0 0 rg BT 371.24 124.10 Td (. ) Tj ET Q q 0 0 0 rg BT 376.72 124.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 400.83 124.10 Td (or ) Tj ET Q q 0 0 0 rg BT 412.14 124.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 436.24 124.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 469.21 124.10 Td (may ) Tj ET Q q 0 0 0 rg BT 489.41 124.10 Td (either ) Tj ET Q q 0 0 0 rg BT 515.16 124.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 549.79 124.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 86.73 112.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 119.02 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.65 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.17 112.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 187.01 112.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 214.31 112.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 256.61 112.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 289.45 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.53 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.05 112.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 354.66 112.10 Td (carrier ) Tj ET Q q 0 0 0 rg BT 383.05 112.10 Td (or ) Tj ET Q q 0 0 0 rg BT 393.68 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 403.76 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.28 112.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 442.24 112.10 Td (or ) Tj ET Q q 0 0 0 rg BT 452.87 112.10 Td (broker ) Tj ET Q q 0 0 0 rg BT 481.27 112.10 Td (for ) Tj ET Q q 0 0 0 rg BT 495.23 112.10 Td (remittance ) Tj ET Q q 0 0 0 rg BT 539.73 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.81 112.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.55 100.10 Td (carrier ) Tj ET Q q 0 0 0 rg BT 118.86 100.10 Td (on ) Tj ET Q q 0 0 0 rg BT 131.09 100.10 Td (FIFC's ) Tj ET Q q 0 0 0 rg BT 160.14 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 170.70 100.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 194.06 100.10 Td (Canada's ) Tj ET Q q 0 0 0 rg BT 231.97 100.10 Td (behalf. ) Tj ET Q q 0 0 0 rg BT 261.68 100.10 Td (In ) Tj ET Q q 0 0 0 rg BT 272.25 100.10 Td (some ) Tj ET Q q 0 0 0 rg BT 295.59 100.10 Td (cases ) Tj ET Q q 0 0 0 rg BT 318.92 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.36 100.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 357.25 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 367.81 100.10 Td (broker ) Tj ET Q q 0 0 0 rg BT 396.14 100.10 Td (may ) Tj ET Q q 0 0 0 rg BT 415.59 100.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 435.60 100.10 Td (our ) Tj ET Q q 0 0 0 rg BT 451.16 100.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 493.09 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 503.10 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.55 100.10 Td (form ) Tj ET Q q 0 0 0 rg BT 539.22 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 100.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 88.27 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.34 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.29 88.10 Td (unearned ) Tj ET Q q 0 0 0 rg BT 153.68 88.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 194.73 88.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 233.57 88.10 Td (from ) Tj ET Q q 0 0 0 rg BT 255.74 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.70 88.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 311.75 88.10 Td (company) Tj ET Q q 0 0 0 rg BT 347.76 88.10 Td (, ) Tj ET Q q 0 0 0 rg BT 352.99 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.17 88.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 404.56 88.10 Td (it ) Tj ET Q q 0 0 0 rg BT 412.85 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 423.36 88.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 447.22 88.10 Td (or ) Tj ET Q q 0 0 0 rg BT 458.29 88.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 482.15 88.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 514.87 88.10 Td (in ) Tj ET Q q 0 0 0 rg BT 525.39 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.34 88.10 Td (event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 62.16 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 70.43 76.10 Td (default ) Tj ET Q q 0 0 0 rg BT 102.02 76.10 Td (by ) Tj ET Q q 0 0 0 rg BT 115.85 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.89 76.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 167.99 76.10 Td (. ) Tj ET Q q 0 0 0 rg BT 174.04 76.10 Td (This ) Tj ET Q q 0 0 0 rg BT 195.65 76.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 229.47 76.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 267.19 76.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 308.78 76.10 Td (rapid ) Tj ET Q q 0 0 0 rg BT 333.15 76.10 Td (turnover ) Tj ET Q q 0 0 0 rg BT 370.86 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.02 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.06 76.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 420.11 76.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 458.93 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.20 76.10 Td (high ) Tj ET Q q 0 0 0 rg BT 498.80 76.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 532.63 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 544.79 76.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (originations. ) Tj ET Q q 0 0 0 rg BT 102.30 64.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 137.65 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.90 64.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 175.58 64.10 Td (or ) Tj ET Q q 0 0 0 rg BT 185.94 64.10 Td (broker ) Tj ET Q q 0 0 0 rg BT 214.07 64.10 Td (is ) Tj ET Q q 0 0 0 rg BT 222.77 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.02 64.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 270.70 64.10 Td (contact ) Tj ET Q q 0 0 0 rg BT 301.61 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.42 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.66 64.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 360.46 64.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 403.03 64.10 Td (who ) Tj ET Q q 0 0 0 rg BT 422.29 64.10 Td (are ) Tj ET Q q 0 0 0 rg BT 436.52 64.10 Td (located ) Tj ET Q q 0 0 0 rg BT 467.42 64.10 Td (nationwide ) Tj ET Q q 0 0 0 rg BT 513.89 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.36 64.10 Td (because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 88.18 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.26 52.10 Td (our ) Tj ET Q q 0 0 0 rg BT 121.23 52.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 161.07 52.10 Td (may ) Tj ET Q q 0 0 0 rg BT 180.93 52.10 Td (be ) Tj ET Q q 0 0 0 rg BT 193.01 52.10 Td (handled ) Tj ET Q q 0 0 0 rg BT 227.30 52.10 Td (by ) Tj ET Q q 0 0 0 rg BT 239.95 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.80 52.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 279.10 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 290.07 52.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 322.71 52.10 Td (during ) Tj ET Q q 0 0 0 rg BT 351.46 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.31 52.10 Td (term ) Tj ET Q q 0 0 0 rg BT 387.28 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.25 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.11 52.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 435.47 52.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 459.23 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.31 52.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 500.08 52.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 532.71 52.10 Td (may ) Tj ET Q q 0 0 0 rg BT 552.56 52.10 Td (be ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.00 27.67 Td (5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (more ) Tj ET Q q 0 0 0 rg BT 73.53 742.10 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 120.95 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.71 742.10 Td (third ) Tj ET Q q 0 0 0 rg BT 153.58 742.10 Td (party ) Tj ET Q q 0 0 0 rg BT 177.10 742.10 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 198.13 742.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 222.77 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 234.08 742.10 Td (broker\) ) Tj ET Q q 0 0 0 rg BT 266.50 742.10 Td (fraud. ) Tj ET Q q 0 0 0 rg BT 292.86 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 311.39 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 353.26 742.10 Td (performs ) Tj ET Q q 0 0 0 rg BT 392.34 742.10 Td (various ) Tj ET Q q 0 0 0 rg BT 424.76 742.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 459.96 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.38 742.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 524.23 742.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 85.10 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 110.19 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.95 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 149.82 730.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 183.25 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.90 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.44 730.10 Td (agents ) Tj ET Q q 0 0 0 rg BT 236.31 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.08 730.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 285.39 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 296.04 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 315.59 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 326.24 730.10 Td (performs ) Tj ET Q q 0 0 0 rg BT 364.66 730.10 Td (various ) Tj ET Q q 0 0 0 rg BT 396.43 730.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 429.29 730.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 451.61 730.10 Td (steps ) Tj ET Q q 0 0 0 rg BT 473.94 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 484.04 730.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 519.13 730.10 Td (against ) Tj ET Q q 0 0 0 rg BT 549.78 730.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.50 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 78.33 718.10 Td (any ) Tj ET Q q 0 0 0 rg BT 95.27 718.10 Td (fraud.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.63 697.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 118.91 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.43 697.10 Td (property ) Tj ET Q q 0 0 0 rg BT 173.39 697.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 212.58 697.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 245.09 697.10 Td (business ) Tj ET Q q 0 0 0 rg BT 282.06 697.10 Td (is ) Tj ET Q q 0 0 0 rg BT 291.82 697.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 323.23 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.09 697.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 377.71 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 388.57 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.87 697.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 440.84 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.25 697.10 Td (states. ) Tj ET Q q 0 0 0 rg BT 480.05 697.10 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 527.02 697.10 Td (typically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (governs ) Tj ET Q q 0 0 0 rg BT 84.50 685.10 Td (notices ) Tj ET Q q 0 0 0 rg BT 115.67 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.29 685.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 169.67 685.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 191.95 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.57 685.10 Td (cancellation ) Tj ET Q q 0 0 0 rg BT 253.72 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.89 685.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.17 685.10 Td (policy) Tj ET Q q 0 0 0 rg BT 296.52 685.10 Td (, ) Tj ET Q q 0 0 0 rg BT 301.86 685.10 Td (notices ) Tj ET Q q 0 0 0 rg BT 333.03 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 343.65 685.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 384.80 685.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 432.91 685.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 476.30 685.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 508.58 685.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 530.30 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 547.58 685.10 Td (late ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 68.79 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 85.92 673.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 123.60 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.62 673.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 154.53 673.10 Td (documentation. ) Tj ET Q q 0 0 0 rg BT 219.16 673.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 242.97 673.10 Td (is ) Tj ET Q q 0 0 0 rg BT 252.33 673.10 Td (licensed ) Tj ET Q q 0 0 0 rg BT 287.79 673.10 Td (or ) Tj ET Q q 0 0 0 rg BT 298.81 673.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 340.38 673.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 378.62 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 389.09 673.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 422.33 673.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 462.79 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.81 673.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 523.70 673.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 83.29 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 93.25 661.10 Td (all ) Tj ET Q q 0 0 0 rg BT 105.43 661.10 Td (50 ) Tj ET Q q 0 0 0 rg BT 117.62 661.10 Td (states, ) Tj ET Q q 0 0 0 rg BT 144.52 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.92 661.10 Td (District ) Tj ET Q q 0 0 0 rg BT 191.10 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.62 661.10 Td (Columbia ) Tj ET Q q 0 0 0 rg BT 243.24 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.87 661.10 Td (Puerto ) Tj ET Q q 0 0 0 rg BT 288.16 661.10 Td (Rico, ) Tj ET Q q 0 0 0 rg BT 311.73 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.36 661.10 Td (FIFC) Tj ET Q q 0 0 0 rg BT 352.26 661.10 Td (s ) Tj ET Q q 0 0 0 rg BT 358.33 661.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 406.61 661.10 Td (department ) Tj ET Q q 0 0 0 rg BT 453.77 661.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 492.05 661.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 529.79 661.10 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 649.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 107.21 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.15 649.10 Td (updates ) Tj ET Q q 0 0 0 rg BT 157.20 649.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 190.80 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 207.74 649.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 248.01 649.10 Td (accordingly) Tj ET Q q 0 0 0 rg BT 294.56 649.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 73.04 628.10 Td (also ) Tj ET Q q 0 0 0 rg BT 91.06 628.10 Td (finances ) Tj ET Q q 0 0 0 rg BT 126.29 628.10 Td (life ) Tj ET Q q 0 0 0 rg BT 141.53 628.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 181.77 628.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 208.68 628.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 250.59 628.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 289.70 628.10 Td (used ) Tj ET Q q 0 0 0 rg BT 309.95 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 323.53 628.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 348.20 628.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 385.12 628.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 422.58 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.83 628.10 Td (high ) Tj ET Q q 0 0 0 rg BT 452.52 628.10 Td (net-worth ) Tj ET Q q 0 0 0 rg BT 493.31 628.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 538.13 628.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 72.70 616.10 Td (are ) Tj ET Q q 0 0 0 rg BT 86.51 616.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 128.64 616.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 160.78 616.10 Td (with ) Tj ET Q q 0 0 0 rg BT 180.16 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.97 616.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 236.11 616.10 Td (with ) Tj ET Q q 0 0 0 rg BT 255.48 616.10 Td (assistance ) Tj ET Q q 0 0 0 rg BT 297.06 616.10 Td (from ) Tj ET Q q 0 0 0 rg BT 318.10 616.10 Td (life ) Tj ET Q q 0 0 0 rg BT 333.02 616.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 372.93 616.10 Td (carriers, ) Tj ET Q q 0 0 0 rg BT 407.00 616.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 457.47 616.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 497.38 616.10 Td (agents, ) Tj ET Q q 0 0 0 rg BT 527.02 616.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (advisors ) Tj ET Q q 0 0 0 rg BT 86.35 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.81 604.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 126.27 604.10 Td (counsel. ) Tj ET Q q 0 0 0 rg BT 162.12 604.10 Td (The ) Tj ET Q q 0 0 0 rg BT 180.69 604.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 201.48 604.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 242.26 604.10 Td (value ) Tj ET Q q 0 0 0 rg BT 266.94 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.29 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.53 604.10 Td (life ) Tj ET Q q 0 0 0 rg BT 309.88 604.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 351.22 604.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 379.23 604.10 Td (is ) Tj ET Q q 0 0 0 rg BT 388.93 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.17 604.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 438.84 604.10 Td (form ) Tj ET Q q 0 0 0 rg BT 461.31 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.66 604.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 515.38 604.10 Td (In ) Tj ET Q q 0 0 0 rg BT 526.73 604.10 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (these ) Tj ET Q q 0 0 0 rg BT 72.62 592.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 95.81 592.10 Td (often ) Tj ET Q q 0 0 0 rg BT 118.43 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 132.71 592.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 165.32 592.10 Td (with ) Tj ET Q q 0 0 0 rg BT 185.18 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 191.69 592.10 Td (letter ) Tj ET Q q 0 0 0 rg BT 214.31 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.71 592.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 252.05 592.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 298.54 592.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 338.38 592.10 Td (or ) Tj ET Q q 0 0 0 rg BT 348.79 592.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 394.72 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.13 592.10 Td (deposit. ) Tj ET Q q 0 0 0 rg BT 438.59 592.10 Td (In ) Tj ET Q q 0 0 0 rg BT 448.99 592.10 Td (some ) Tj ET Q q 0 0 0 rg BT 472.18 592.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 497.85 592.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 521.05 592.10 Td (may ) Tj ET Q q 0 0 0 rg BT 540.34 592.10 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 580.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 76.66 580.10 Td (that ) Tj ET Q q 0 0 0 rg BT 94.15 580.10 Td (has ) Tj ET Q q 0 0 0 rg BT 109.98 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 116.92 580.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 152.74 580.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 195.78 580.10 Td (position. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.01 559.10 Td (life ) Tj ET Q q 0 0 0 rg BT 85.79 559.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 127.56 559.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 167.13 559.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 200.01 559.10 Td (business ) Tj ET Q q 0 0 0 rg BT 237.36 559.10 Td (is ) Tj ET Q q 0 0 0 rg BT 247.49 559.10 Td (governed ) Tj ET Q q 0 0 0 rg BT 288.15 559.10 Td (under ) Tj ET Q q 0 0 0 rg BT 314.38 559.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 350.05 559.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 397.95 559.10 Td (but ) Tj ET Q q 0 0 0 rg BT 414.18 559.10 Td (is ) Tj ET Q q 0 0 0 rg BT 424.31 559.10 Td (not ) Tj ET Q q 0 0 0 rg BT 440.55 559.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 472.33 559.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.57 559.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 527.02 559.10 Td (systemic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (regulation. ) Tj ET Q q 0 0 0 rg BT 96.33 547.10 Td (FIFC's ) Tj ET Q q 0 0 0 rg BT 126.43 547.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 175.80 547.10 Td (department ) Tj ET Q q 0 0 0 rg BT 224.07 547.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 263.45 547.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 302.29 547.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.79 547.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 362.17 547.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 416.00 547.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.72 547.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.22 547.10 Td (company's ) Tj ET Q q 0 0 0 rg BT 494.86 547.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 544.23 547.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 85.06 535.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 135.39 535.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 159.91 535.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 202.18 535.10 Td (a ) Tj ET Q q 0 0 0 rg BT 210.02 535.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 238.41 535.10 Td (prohibiting ) Tj ET Q q 0 0 0 rg BT 286.25 535.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.86 535.10 Td (knowing ) Tj ET Q q 0 0 0 rg BT 340.25 535.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 381.41 535.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.14 535.10 Td (stranger) Tj ET Q q 0 0 0 rg BT 425.14 535.10 Td (-originated ) Tj ET Q q 0 0 0 rg BT 472.41 535.10 Td (life ) Tj ET Q q 0 0 0 rg BT 489.13 535.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 530.84 535.10 Td (and ) Tj ET Q q 0 0 0 rg BT 548.67 535.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (established ) Tj ET Q q 0 0 0 rg BT 96.80 523.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 143.04 523.10 Td (to ) Tj ET Q q 0 0 0 rg BT 153.18 523.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 186.66 523.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.46 523.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 235.82 523.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.40 523.10 Td (company ) Tj ET Q q 0 0 0 rg BT 289.42 523.10 Td (from ) Tj ET Q q 0 0 0 rg BT 311.23 523.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 351.36 523.10 Td (such ) Tj ET Q q 0 0 0 rg BT 372.06 523.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 407.86 523.10 Td (While ) Tj ET Q q 0 0 0 rg BT 434.66 523.10 Td (a ) Tj ET Q q 0 0 0 rg BT 441.47 523.10 Td (carrier ) Tj ET Q q 0 0 0 rg BT 469.92 523.10 Td (could ) Tj ET Q q 0 0 0 rg BT 494.51 523.10 Td (potentially ) Tj ET Q q 0 0 0 rg BT 539.64 523.10 Td (put ) Tj ET Q q 0 0 0 rg BT 554.79 523.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.69 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.60 511.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 103.05 511.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 143.50 511.10 Td (value ) Tj ET Q q 0 0 0 rg BT 167.85 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.87 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.99 511.10 Td (policy) Tj ET Q q 0 0 0 rg BT 210.34 511.10 Td (, ) Tj ET Q q 0 0 0 rg BT 215.53 511.10 Td (which ) Tj ET Q q 0 0 0 rg BT 242.66 511.10 Td (serves ) Tj ET Q q 0 0 0 rg BT 270.34 511.10 Td (as ) Tj ET Q q 0 0 0 rg BT 281.36 511.10 Td (FIFC's ) Tj ET Q q 0 0 0 rg BT 310.86 511.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 345.21 511.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 387.59 511.10 Td (by ) Tj ET Q q 0 0 0 rg BT 400.28 511.10 Td (challenging ) Tj ET Q q 0 0 0 rg BT 449.62 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.53 511.10 Td (validity ) Tj ET Q q 0 0 0 rg BT 497.77 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.79 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.70 511.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 84.25 499.10 Td (for ) Tj ET Q q 0 0 0 rg BT 97.97 499.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 116.67 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.06 499.10 Td (an ) Tj ET Q q 0 0 0 rg BT 138.55 499.10 Td (insurable ) Tj ET Q q 0 0 0 rg BT 177.25 499.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 211.24 499.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 234.42 499.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 269.23 499.10 Td (it ) Tj ET Q q 0 0 0 rg BT 276.84 499.10 Td (has ) Tj ET Q q 0 0 0 rg BT 292.22 499.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 319.28 499.10 Td (counterclaims ) Tj ET Q q 0 0 0 rg BT 377.42 499.10 Td (against ) Tj ET Q q 0 0 0 rg BT 407.79 499.10 Td (any ) Tj ET Q q 0 0 0 rg BT 424.28 499.10 Td (such ) Tj ET Q q 0 0 0 rg BT 444.67 499.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 472.82 499.10 Td (by ) Tj ET Q q 0 0 0 rg BT 484.88 499.10 Td (carriers, ) Tj ET Q q 0 0 0 rg BT 519.40 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 529.23 499.10 Td (addition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 487.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 96.65 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 106.92 487.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 149.97 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.90 487.10 Td (guarantors ) Tj ET Q q 0 0 0 rg BT 211.61 487.10 Td (as ) Tj ET Q q 0 0 0 rg BT 222.44 487.10 Td (well ) Tj ET Q q 0 0 0 rg BT 242.16 487.10 Td (as ) Tj ET Q q 0 0 0 rg BT 252.99 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.27 487.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 305.76 487.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 345.45 487.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.73 487.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 385.43 487.10 Td (cases.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (Premium ) Tj ET Q q 0 0 0 rg BT 89.54 466.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 121.84 466.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 145.83 466.10 Td (made ) Tj ET Q q 0 0 0 rg BT 170.36 466.10 Td (by ) Tj ET Q q 0 0 0 rg BT 183.23 466.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 207.23 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.55 466.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 248.54 466.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 281.41 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 296.49 466.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 336.58 466.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 369.99 466.10 Td (by ) Tj ET Q q 0 0 0 rg BT 382.87 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.96 466.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 439.15 466.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 473.13 466.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 510.43 466.10 Td (by ) Tj ET Q q 0 0 0 rg BT 523.31 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.40 466.10 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.59 454.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 117.63 454.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 151.45 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 166.37 454.10 Td (written ) Tj ET Q q 0 0 0 rg BT 197.41 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 210.13 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 217.29 454.10 Td (lar) Tj ET Q q 0 0 0 rg BT 227.65 454.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 239.81 454.10 Td (number ) Tj ET Q q 0 0 0 rg BT 273.07 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.12 454.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 325.15 454.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 370.63 454.10 Td (geographically ) Tj ET Q q 0 0 0 rg BT 432.77 454.10 Td (dispersed ) Tj ET Q q 0 0 0 rg BT 473.26 454.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 519.86 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.79 454.10 Td (United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (States ) Tj ET Q q 0 0 0 rg BT 76.63 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 93.80 442.10 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 129.03 442.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 147.32 442.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 186.16 442.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 218.33 442.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 266.04 442.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 303.20 442.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 335.36 442.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 376.42 442.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 410.26 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 427.99 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 442.94 442.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 471.78 442.10 Td (among ) Tj ET Q q 0 0 0 rg BT 501.73 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 508.91 442.10 Td (lar) Tj ET Q q 0 0 0 rg BT 519.28 442.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 531.46 442.10 Td (number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.26 430.10 Td (insurers, ) Tj ET Q q 0 0 0 rg BT 96.34 430.10 Td (however ) Tj ET Q q 0 0 0 rg BT 132.70 430.10 Td (one ) Tj ET Q q 0 0 0 rg BT 149.06 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.32 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.46 430.10 Td (insurers ) Tj ET Q q 0 0 0 rg BT 207.05 430.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 249.51 430.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 309.20 430.10 Td (14% ) Tj ET Q q 0 0 0 rg BT 329.45 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.71 430.10 Td (such ) Tj ET Q q 0 0 0 rg BT 359.97 430.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 396.32 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.68 430.10 Td (two ) Tj ET Q q 0 0 0 rg BT 429.61 430.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 471.52 430.10 Td (insurers ) Tj ET Q q 0 0 0 rg BT 505.11 430.10 Td (each ) Tj ET Q q 0 0 0 rg BT 525.35 430.10 Td (represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 109.90 418.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 125.36 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.83 418.10 Td (such ) Tj ET Q q 0 0 0 rg BT 156.29 418.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 195.35 418.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 218.61 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.19 418.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 258.45 418.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 290.57 418.10 Td (consistently ) Tj ET Q q 0 0 0 rg BT 340.48 418.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 374.28 418.10 Td (carrier ) Tj ET Q q 0 0 0 rg BT 402.50 418.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 431.85 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.43 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.54 418.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 538.20 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 418.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (carriers. ) Tj ET Q q 0 0 0 rg BT 84.63 406.10 Td (In ) Tj ET Q q 0 0 0 rg BT 95.12 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.50 406.10 Td (event ) Tj ET Q q 0 0 0 rg BT 133.31 406.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 162.69 406.10 Td (fall ) Tj ET Q q 0 0 0 rg BT 178.17 406.10 Td (below ) Tj ET Q q 0 0 0 rg BT 204.77 406.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 234.13 406.10 Td (levels, ) Tj ET Q q 0 0 0 rg BT 262.11 406.10 Td (most ) Tj ET Q q 0 0 0 rg BT 283.72 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.20 406.10 Td (FIFC's ) Tj ET Q q 0 0 0 rg BT 323.18 406.10 Td (life ) Tj ET Q q 0 0 0 rg BT 338.66 406.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 379.14 406.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 417.40 406.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 448.98 406.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 482.24 406.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 514.95 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 528.76 406.10 Td (an ) Tj ET Q q 0 0 0 rg BT 540.36 406.10 Td (event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.56 394.10 Td (default ) Tj ET Q q 0 0 0 rg BT 90.56 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.23 394.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 131.68 394.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 155.04 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.05 394.10 Td (have ) Tj ET Q q 0 0 0 rg BT 186.16 394.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 222.26 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 232.27 394.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 275.04 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.72 394.10 Td (guarantors ) Tj ET Q q 0 0 0 rg BT 336.16 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 346.72 394.10 Td (well ) Tj ET Q q 0 0 0 rg BT 366.17 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 376.73 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.74 394.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 428.97 394.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 468.40 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 478.41 394.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 507.84 394.10 Td (cases. ) Tj ET Q q 0 0 0 rg BT 533.67 394.10 Td (For ) Tj ET Q q 0 0 0 rg BT 549.80 394.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.44 382.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 139.79 382.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 172.47 382.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 212.10 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.57 382.10 Td (term ) Tj ET Q q 0 0 0 rg BT 249.14 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.72 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.18 382.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 300.54 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 310.45 382.10 Td (suf) Tj ET Q q 0 0 0 rg BT 322.50 382.10 Td (ficiently ) Tj ET Q q 0 0 0 rg BT 359.06 382.10 Td (short ) Tj ET Q q 0 0 0 rg BT 382.31 382.10 Td (such ) Tj ET Q q 0 0 0 rg BT 403.89 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 422.13 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.15 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.62 382.10 Td (event ) Tj ET Q q 0 0 0 rg BT 473.52 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.10 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.78 382.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 524.90 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 535.93 382.10 Td (carrier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 82.02 370.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 105.44 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 116.07 370.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 139.49 370.10 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 174.27 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 184.90 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.42 370.10 Td (case ) Tj ET Q q 0 0 0 rg BT 218.92 370.10 Td (may ) Tj ET Q q 0 0 0 rg BT 238.44 370.10 Td (be, ) Tj ET Q q 0 0 0 rg BT 252.68 370.10 Td (can ) Tj ET Q q 0 0 0 rg BT 268.85 370.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 298.91 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 309.54 370.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 349.05 370.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 391.34 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 414.75 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.82 370.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 456.54 370.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 498.84 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.92 370.10 Td (such ) Tj ET Q q 0 0 0 rg BT 529.54 370.10 Td (carriers. ) Tj ET Q q 0 0 0 rg BT 564.52 370.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.27 358.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 104.87 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.92 358.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 154.75 358.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 186.89 358.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 234.58 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.51 358.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 292.77 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 305.49 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.43 358.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 346.48 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 356.98 358.10 Td (order ) Tj ET Q q 0 0 0 rg BT 380.80 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.30 358.10 Td (more ) Tj ET Q q 0 0 0 rg BT 414.57 358.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 436.18 358.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 463.89 358.10 Td (their ) Tj ET Q q 0 0 0 rg BT 484.93 358.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 517.65 358.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 553.68 358.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (these ) Tj ET Q q 0 0 0 rg BT 73.05 346.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 96.66 346.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 136.36 346.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 169.40 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.12 346.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 209.95 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 230.23 346.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 258.28 346.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 284.66 346.10 Td (than ) Tj ET Q q 0 0 0 rg BT 304.38 346.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 349.08 346.10 Td (investments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (Through ) Tj ET Q q 0 0 0 rg BT 87.57 325.10 Td (our ) Tj ET Q q 0 0 0 rg BT 104.03 325.10 Td (wholly ) Tj ET Q q 0 0 0 rg BT 134.94 325.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 164.73 325.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 208.75 325.10 Td (T) Tj ET Q q 0 0 0 rg BT 214.50 325.10 Td (ricom, ) Tj ET Q q 0 0 0 rg BT 243.46 325.10 Td (we ) Tj ET Q q 0 0 0 rg BT 258.25 325.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 291.93 325.10 Td (high-yielding, ) Tj ET Q q 0 0 0 rg BT 351.44 325.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 396.23 325.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 434.35 325.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 478.56 325.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 519.45 325.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.02 325.10 Td (value-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (added, ) Tj ET Q q 0 0 0 rg BT 80.07 313.10 Td (outsourced ) Tj ET Q q 0 0 0 rg BT 127.64 313.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 188.54 313.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 226.94 313.10 Td (such ) Tj ET Q q 0 0 0 rg BT 248.97 313.10 Td (as ) Tj ET Q q 0 0 0 rg BT 260.99 313.10 Td (data ) Tj ET Q q 0 0 0 rg BT 281.34 313.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 327.80 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.83 313.10 Td (payrolls, ) Tj ET Q q 0 0 0 rg BT 378.24 313.10 Td (billing ) Tj ET Q q 0 0 0 rg BT 408.04 313.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.18 313.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 447.64 313.10 Td (management ) Tj ET Q q 0 0 0 rg BT 502.42 313.10 Td (services ) Tj ET Q q 0 0 0 rg BT 538.32 313.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 313.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 94.58 301.10 Td (staf) Tj ET Q q 0 0 0 rg BT 108.84 301.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 128.44 301.10 Td (industry) Tj ET Q q 0 0 0 rg BT 160.57 301.10 Td (. ) Tj ET Q q 0 0 0 rg BT 166.30 301.10 Td (T) Tj ET Q q 0 0 0 rg BT 172.06 301.10 Td (ricom) Tj ET Q q 0 0 0 rg BT 198.16 301.10 Td (s ) Tj ET Q q 0 0 0 rg BT 205.54 301.10 Td (clients, ) Tj ET Q q 0 0 0 rg BT 237.64 301.10 Td (located ) Tj ET Q q 0 0 0 rg BT 270.00 301.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 317.37 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.08 301.10 Td (United ) Tj ET Q q 0 0 0 rg BT 363.78 301.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 393.66 301.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 427.69 301.10 Td (staf) Tj ET Q q 0 0 0 rg BT 441.95 301.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 461.55 301.10 Td (services ) Tj ET Q q 0 0 0 rg BT 497.25 301.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.51 301.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 554.22 301.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (diversified ) Tj ET Q q 0 0 0 rg BT 95.16 289.10 Td (industries. ) Tj ET Q q 0 0 0 rg BT 138.95 289.10 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.67 289.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.67 289.10 Td (, ) Tj ET Q q 0 0 0 rg BT 194.40 289.10 Td (T) Tj ET Q q 0 0 0 rg BT 200.15 289.10 Td (ricom ) Tj ET Q q 0 0 0 rg BT 225.88 289.10 Td (processed ) Tj ET Q q 0 0 0 rg BT 267.70 289.10 Td (payrolls ) Tj ET Q q 0 0 0 rg BT 302.32 289.10 Td (with ) Tj ET Q q 0 0 0 rg BT 322.49 289.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 365.98 289.10 Td (client ) Tj ET Q q 0 0 0 rg BT 390.59 289.10 Td (billings ) Tj ET Q q 0 0 0 rg BT 423.00 289.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.72 289.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 493.88 289.10 Td ($660 ) Tj ET Q q 0 0 0 rg BT 516.28 289.10 Td (million ) Tj ET Q q 0 0 0 rg BT 547.57 289.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (contributed ) Tj ET Q q 0 0 0 rg BT 97.81 277.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 157.83 277.10 Td ($10.6 ) Tj ET Q q 0 0 0 rg BT 182.59 277.10 Td (million ) Tj ET Q q 0 0 0 rg BT 213.75 277.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.79 277.10 Td (our ) Tj ET Q q 0 0 0 rg BT 239.39 277.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 275.80 277.10 Td (net ) Tj ET Q q 0 0 0 rg BT 290.28 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.88 277.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 332.57 277.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 369.54 277.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 386.25 277.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 420.16 277.10 Td (is ) Tj ET Q q 0 0 0 rg BT 429.09 277.10 Td (based ) Tj ET Q q 0 0 0 rg BT 454.13 277.10 Td (on ) Tj ET Q q 0 0 0 rg BT 466.39 277.10 Td (our ) Tj ET Q q 0 0 0 rg BT 481.99 277.10 Td (reportable ) Tj ET Q q 0 0 0 rg BT 524.78 277.10 Td (segments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 265.10 Td (does ) Tj ET Q q 0 0 0 rg BT 87.77 265.10 Td (not ) Tj ET Q q 0 0 0 rg BT 103.05 265.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 131.08 265.10 Td (intersegment ) Tj ET Q q 0 0 0 rg BT 185.23 265.10 Td (eliminations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.48 244.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.48 244.10 Td (, ) Tj ET Q q 0 0 0 rg BT 85.13 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.60 244.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 149.95 244.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 188.20 244.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 219.77 244.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 266.07 244.10 Td (life ) Tj ET Q q 0 0 0 rg BT 281.54 244.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 322.01 244.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 360.26 244.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 391.83 244.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 435.63 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.22 244.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 489.35 244.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 532.58 244.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.16 232.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 137.19 232.10 Td (for ) Tj ET Q q 0 0 0 rg BT 151.35 232.10 Td (58%, ) Tj ET Q q 0 0 0 rg BT 174.68 232.10 Td (33% ) Tj ET Q q 0 0 0 rg BT 195.51 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.45 232.10 Td (9%, ) Tj ET Q q 0 0 0 rg BT 230.78 232.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 278.44 232.10 Td (, ) Tj ET Q q 0 0 0 rg BT 283.44 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.27 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.98 232.10 Td (total ) Tj ET Q q 0 0 0 rg BT 329.26 232.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 367.29 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.13 232.10 Td (our ) Tj ET Q q 0 0 0 rg BT 393.96 232.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 432.00 232.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 463.92 232.10 Td (business.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (W) Tj ET Q q 0 0 0 rg BT 57.41 211.10 Td (ealth Management ) Tj ET Q q 0 0 0 rg BT 134.43 211.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 190.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.43 190.10 Td (of) Tj ET Q q 0 0 0 rg BT 74.58 190.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 89.04 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 96.83 190.10 Td (full ) Tj ET Q q 0 0 0 rg BT 114.08 190.10 Td (range ) Tj ET Q q 0 0 0 rg BT 139.64 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.33 190.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 181.34 190.10 Td (management ) Tj ET Q q 0 0 0 rg BT 235.79 190.10 Td (services ) Tj ET Q q 0 0 0 rg BT 271.35 190.10 Td (through ) Tj ET Q q 0 0 0 rg BT 305.82 190.10 Td (three ) Tj ET Q q 0 0 0 rg BT 329.16 190.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 365.27 190.10 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 418.34 190.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 439.48 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.27 190.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 504.51 190.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 542.58 190.10 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.77 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.88 178.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 164.33 178.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 207.98 178.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 246.10 178.10 Td (These ) Tj ET Q q 0 0 0 rg BT 273.65 178.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 324.55 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 340.43 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 344.11 178.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 376.12 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.57 178.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 431.79 178.10 Td (by ) Tj ET Q q 0 0 0 rg BT 445.47 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.37 178.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 504.48 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.59 178.10 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 103.07 166.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 121.11 166.10 Td ("SEC"\) ) Tj ET Q q 0 0 0 rg BT 153.45 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 170.39 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.10 166.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 224.81 166.10 Td (Industry ) Tj ET Q q 0 0 0 rg BT 260.64 166.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 307.03 166.10 Td (Authority ) Tj ET Q q 0 0 0 rg BT 348.41 166.10 Td (\("FINRA"\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (Great ) Tj ET Q q 0 0 0 rg BT 74.58 145.10 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 100.30 145.10 Td (Advisors, ) Tj ET Q q 0 0 0 rg BT 141.28 145.10 Td (our ) Tj ET Q q 0 0 0 rg BT 156.98 145.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 198.78 145.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 245.03 145.10 Td (adviser ) Tj ET Q q 0 0 0 rg BT 276.27 145.10 Td (with ) Tj ET Q q 0 0 0 rg BT 296.42 145.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 334.90 145.10 Td (in ) Tj ET Q q 0 0 0 rg BT 345.04 145.10 Td (downtown ) Tj ET Q q 0 0 0 rg BT 389.63 145.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 425.33 145.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.14 145.10 Td (Safety ) Tj ET Q q 0 0 0 rg BT 470.05 145.10 Td (Harbor) Tj ET Q q 0 0 0 rg BT 497.97 145.10 Td (, ) Tj ET Q q 0 0 0 rg BT 502.84 145.10 Td (Florida ) Tj ET Q q 0 0 0 rg BT 534.10 145.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.80 145.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.44 133.10 Td (in ) Tj ET Q q 0 0 0 rg BT 72.33 133.10 Td (various ) Tj ET Q q 0 0 0 rg BT 104.88 133.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 140.21 133.10 Td (of) Tj ET Q q 0 0 0 rg BT 148.35 133.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 170.34 133.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.78 133.10 Td (our ) Tj ET Q q 0 0 0 rg BT 198.22 133.10 Td (fifteen ) Tj ET Q q 0 0 0 rg BT 227.43 133.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 256.37 133.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 293.92 133.10 Td (money ) Tj ET Q q 0 0 0 rg BT 324.24 133.10 Td (management ) Tj ET Q q 0 0 0 rg BT 378.44 133.10 Td (services ) Tj ET Q q 0 0 0 rg BT 413.76 133.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.31 133.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 468.86 133.10 Td (services ) Tj ET Q q 0 0 0 rg BT 504.17 133.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.06 133.10 Td (individuals, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 98.90 121.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.28 121.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 157.21 121.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.59 121.10 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 220.51 121.10 Td (or) Tj ET Q q 0 0 0 rg BT 228.66 121.10 Td (ganizations. ) Tj ET Q q 0 0 0 rg BT 278.65 121.10 Td (Great ) Tj ET Q q 0 0 0 rg BT 302.80 121.10 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 328.19 121.10 Td (Advisors ) Tj ET Q q 0 0 0 rg BT 366.24 121.10 Td (also ) Tj ET Q q 0 0 0 rg BT 384.29 121.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 420.67 121.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 457.61 121.10 Td (management ) Tj ET Q q 0 0 0 rg BT 510.64 121.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.02 121.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 98.39 109.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.34 109.10 Td (a ) Tj ET Q q 0 0 0 rg BT 119.06 109.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 140.79 109.10 Td (range ) Tj ET Q q 0 0 0 rg BT 165.28 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.89 109.10 Td (pension ) Tj ET Q q 0 0 0 rg BT 209.29 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.01 109.10 Td (profit-sharing ) Tj ET Q q 0 0 0 rg BT 283.28 109.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 306.67 109.10 Td (as ) Tj ET Q q 0 0 0 rg BT 317.29 109.10 Td (well ) Tj ET Q q 0 0 0 rg BT 336.79 109.10 Td (as ) Tj ET Q q 0 0 0 rg BT 347.41 109.10 Td (money ) Tj ET Q q 0 0 0 rg BT 376.91 109.10 Td (management ) Tj ET Q q 0 0 0 rg BT 430.28 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 447.01 109.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 483.73 109.10 Td (services ) Tj ET Q q 0 0 0 rg BT 518.22 109.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.29 109.10 Td (CTC. ) Tj ET Q q 0 0 0 rg BT 552.02 109.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 111.89 97.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.89 97.10 Td (, ) Tj ET Q q 0 0 0 rg BT 140.19 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.21 97.10 Td (Company) Tj ET Q q 0 0 0 rg BT 199.88 97.10 Td (s ) Tj ET Q q 0 0 0 rg BT 209.57 97.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 242.03 97.10 Td (management ) Tj ET Q q 0 0 0 rg BT 298.92 97.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 351.94 97.10 Td (had ) Tj ET Q q 0 0 0 rg BT 372.18 97.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 435.74 97.10 Td ($21.2 ) Tj ET Q q 0 0 0 rg BT 464.05 97.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 495.96 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.10 97.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 539.23 97.10 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (administration, ) Tj ET Q q 0 0 0 rg BT 112.77 85.10 Td (which ) Tj ET Q q 0 0 0 rg BT 139.71 85.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 175.53 85.10 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 195.53 85.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 224.15 85.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.98 85.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 260.81 85.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 289.97 85.10 Td (by ) Tj ET Q q 0 0 0 rg BT 302.47 85.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.18 85.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 358.57 85.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.51 85.10 Td (its ) Tj ET Q q 0 0 0 rg BT 387.46 85.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 431.06 85.10 Td (banks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (CTC, ) Tj ET Q q 0 0 0 rg BT 73.67 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 88.72 64.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 108.22 64.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 148.68 64.10 Td (, ) Tj ET Q q 0 0 0 rg BT 152.90 64.10 Td (of) Tj ET Q q 0 0 0 rg BT 161.05 64.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 177.76 64.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 197.25 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.41 64.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 259.02 64.10 Td (management ) Tj ET Q q 0 0 0 rg BT 311.82 64.10 Td (services ) Tj ET Q q 0 0 0 rg BT 345.75 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.25 64.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 383.07 64.10 Td (through ) Tj ET Q q 0 0 0 rg BT 415.90 64.10 Td (of) Tj ET Q q 0 0 0 rg BT 424.05 64.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 444.65 64.10 Td (located ) Tj ET Q q 0 0 0 rg BT 475.24 64.10 Td (in ) Tj ET Q q 0 0 0 rg BT 484.74 64.10 Td (downtown ) Tj ET Q q 0 0 0 rg BT 528.68 64.10 Td (Chicago ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.40 52.10 Td (at ) Tj ET Q q 0 0 0 rg BT 75.58 52.10 Td (various ) Tj ET Q q 0 0 0 rg BT 106.98 52.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 141.16 52.10 Td (of) Tj ET Q q 0 0 0 rg BT 149.31 52.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 170.15 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 180.44 52.10 Td (our ) Tj ET Q q 0 0 0 rg BT 195.74 52.10 Td (fifteen ) Tj ET Q q 0 0 0 rg BT 223.79 52.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 251.59 52.10 Td (CTC ) Tj ET Q q 0 0 0 rg BT 273.00 52.10 Td (is ) Tj ET Q q 0 0 0 rg BT 281.63 52.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 311.92 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.66 52.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 366.67 52.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 414.74 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.14 52.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 461.42 52.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 512.81 52.10 Td (by ) Tj ET Q q 0 0 0 rg BT 524.77 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.95 52.10 Td (OCC. ) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (6) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (WHI, ) Tj ET Q q 0 0 0 rg BT 75.67 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 92.17 742.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 134.77 742.10 Td (broker/dealer ) Tj ET Q q 0 0 0 rg BT 191.25 742.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 235.53 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 263.15 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 279.66 742.10 Td (been ) Tj ET Q q 0 0 0 rg BT 301.71 742.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 342.65 742.10 Td (since ) Tj ET Q q 0 0 0 rg BT 366.37 742.10 Td (1931, ) Tj ET Q q 0 0 0 rg BT 392.05 742.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 429.66 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 437.28 742.10 Td (full ) Tj ET Q q 0 0 0 rg BT 454.34 742.10 Td (range ) Tj ET Q q 0 0 0 rg BT 479.72 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.23 742.10 Td (private ) Tj ET Q q 0 0 0 rg BT 522.17 742.10 Td (client ) Tj ET Q q 0 0 0 rg BT 547.56 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.41 730.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 133.04 730.10 Td (services ) Tj ET Q q 0 0 0 rg BT 167.89 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.32 730.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 207.07 730.10 Td (located ) Tj ET Q q 0 0 0 rg BT 238.59 730.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 278.45 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.87 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.74 730.10 Td (Midwest. ) Tj ET Q q 0 0 0 rg BT 343.70 730.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 366.33 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 375.65 730.10 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 434.93 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.36 730.10 Td (downtown ) Tj ET Q q 0 0 0 rg BT 490.23 730.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 528.70 730.10 Td (operates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 61.83 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 69.98 718.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 87.35 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.99 718.10 Td (Appleton, ) Tj ET Q q 0 0 0 rg BT 138.92 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 147.96 718.10 Td (isconsin, ) Tj ET Q q 0 0 0 rg BT 185.63 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.46 718.10 Td (has ) Tj ET Q q 0 0 0 rg BT 218.18 718.10 Td (established ) Tj ET Q q 0 0 0 rg BT 265.00 718.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 294.60 718.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 333.09 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 343.26 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 351.41 718.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 372.67 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 382.28 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 389.11 718.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 425.38 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.10 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 451.81 718.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 479.86 718.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 502.24 718.10 Td (also ) Tj ET Q q 0 0 0 rg BT 520.74 718.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 557.57 718.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (full ) Tj ET Q q 0 0 0 rg BT 65.37 706.10 Td (range ) Tj ET Q q 0 0 0 rg BT 89.07 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 98.88 706.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 144.25 706.10 Td (services ) Tj ET Q q 0 0 0 rg BT 177.95 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 187.21 706.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 214.80 706.10 Td (through ) Tj ET Q q 0 0 0 rg BT 247.40 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.32 706.10 Td (network ) Tj ET Q q 0 0 0 rg BT 287.58 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.40 706.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 349.99 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 369.25 706.10 Td (community-based ) Tj ET Q q 0 0 0 rg BT 442.39 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 478.85 706.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 524.79 706.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (located ) Tj ET Q q 0 0 0 rg BT 81.37 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 91.65 694.10 Td (Illinois.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Strategy ) Tj ET Q q 0 0 0 rg BT 86.39 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.45 673.10 Td (Competition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (Historically) Tj ET Q q 0 0 0 rg BT 96.56 652.10 Td (, ) Tj ET Q q 0 0 0 rg BT 101.32 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 115.23 652.10 Td (have ) Tj ET Q q 0 0 0 rg BT 136.36 652.10 Td (executed ) Tj ET Q q 0 0 0 rg BT 174.15 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 180.84 652.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 211.43 652.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 245.34 652.10 Td (through ) Tj ET Q q 0 0 0 rg BT 278.70 652.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 308.17 652.10 Td (openings ) Tj ET Q q 0 0 0 rg BT 346.53 652.10 Td (and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 363.22 652.10 Td (de ) Tj ET Q q 0 0 0 rg BT 374.92 652.10 Td (novo) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.35 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 396.61 652.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 418.30 652.10 Td (formations, ) Tj ET Q q 0 0 0 rg BT 466.38 652.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 509.18 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.77 652.10 Td (our ) Tj ET Q q 0 0 0 rg BT 535.35 652.10 Td (wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (management ) Tj ET Q q 0 0 0 rg BT 102.77 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.89 640.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 156.67 640.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 187.78 640.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 225.85 640.10 Td (development ) Tj ET Q q 0 0 0 rg BT 279.18 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.19 640.10 Td (specialized ) Tj ET Q q 0 0 0 rg BT 335.29 640.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 366.96 640.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 388.08 640.10 Td (niches ) Tj ET Q q 0 0 0 rg BT 415.31 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.43 640.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 480.88 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.89 640.10 Td (other ) Tj ET Q q 0 0 0 rg BT 513.12 640.10 Td (community-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (oriented ) Tj ET Q q 0 0 0 rg BT 84.16 628.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 108.89 628.10 Td (or ) Tj ET Q q 0 0 0 rg BT 118.63 628.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 155.57 628.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 186.39 628.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 232.75 628.10 Td (After ) Tj ET Q q 0 0 0 rg BT 255.25 628.10 Td (we ) Tj ET Q q 0 0 0 rg BT 268.31 628.10 Td (made ) Tj ET Q q 0 0 0 rg BT 291.36 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.20 628.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 331.93 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.10 628.10 Td (slow ) Tj ET Q q 0 0 0 rg BT 361.40 628.10 Td (our ) Tj ET Q q 0 0 0 rg BT 376.13 628.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 405.86 628.10 Td (from ) Tj ET Q q 0 0 0 rg BT 426.70 628.10 Td (2006 ) Tj ET Q q 0 0 0 rg BT 448.10 628.10 Td (until ) Tj ET Q q 0 0 0 rg BT 467.83 628.10 Td (2008 ) Tj ET Q q 0 0 0 rg BT 489.23 628.10 Td (due ) Tj ET Q q 0 0 0 rg BT 505.07 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.25 628.10 Td (unfavorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.03 616.10 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 109.79 616.10 Td (loosened ) Tj ET Q q 0 0 0 rg BT 147.60 616.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 201.53 616.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 241.56 616.10 Td (by ) Tj ET Q q 0 0 0 rg BT 253.83 616.10 Td (many ) Tj ET Q q 0 0 0 rg BT 278.32 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.92 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 304.51 616.10 Td (competitors, ) Tj ET Q q 0 0 0 rg BT 356.49 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.20 616.10 Td (intense ) Tj ET Q q 0 0 0 rg BT 403.79 616.10 Td (price ) Tj ET Q q 0 0 0 rg BT 426.05 616.10 Td (competition, ) Tj ET Q q 0 0 0 rg BT 478.58 616.10 Td (we ) Tj ET Q q 0 0 0 rg BT 492.51 616.10 Td (raised ) Tj ET Q q 0 0 0 rg BT 518.66 616.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 547.58 616.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (began ) Tj ET Q q 0 0 0 rg BT 76.33 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 86.57 604.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 121.78 604.10 Td (our ) Tj ET Q q 0 0 0 rg BT 137.56 604.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 170.01 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.91 604.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 222.14 604.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.38 604.10 Td (late ) Tj ET Q q 0 0 0 rg BT 249.27 604.10 Td (2008. ) Tj ET Q q 0 0 0 rg BT 274.22 604.10 Td (From ) Tj ET Q q 0 0 0 rg BT 298.35 604.10 Td (2009 ) Tj ET Q q 0 0 0 rg BT 320.81 604.10 Td (through ) Tj ET Q q 0 0 0 rg BT 354.37 604.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 379.33 604.10 Td (this ) Tj ET Q q 0 0 0 rg BT 396.23 604.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 425.34 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 436.12 604.10 Td (well ) Tj ET Q q 0 0 0 rg BT 455.80 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 466.58 604.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 509.03 604.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 538.13 604.10 Td (raised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (during ) Tj ET Q q 0 0 0 rg BT 78.61 592.10 Td (that ) Tj ET Q q 0 0 0 rg BT 96.10 592.10 Td (period ) Tj ET Q q 0 0 0 rg BT 124.15 592.10 Td (allowed ) Tj ET Q q 0 0 0 rg BT 158.31 592.10 Td (us ) Tj ET Q q 0 0 0 rg BT 169.70 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 179.98 592.10 Td (be ) Tj ET Q q 0 0 0 rg BT 191.91 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 202.19 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.13 592.10 Td (position ) Tj ET Q q 0 0 0 rg BT 243.86 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.14 592.10 Td (take ) Tj ET Q q 0 0 0 rg BT 273.29 592.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 316.32 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.15 592.10 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 382.43 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 392.71 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 399.64 592.10 Td (disrupted ) Tj ET Q q 0 0 0 rg BT 439.36 592.10 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 490.72 592.10 Td (by:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 581.30 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 569.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 569.30 Td (Increasing ) Tj ET Q q 0 0 0 rg BT 119.50 569.30 Td (our ) Tj ET Q q 0 0 0 rg BT 135.33 569.30 Td (lending ) Tj ET Q q 0 0 0 rg BT 167.82 569.30 Td (as ) Tj ET Q q 0 0 0 rg BT 178.65 569.30 Td (other ) Tj ET Q q 0 0 0 rg BT 201.70 569.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 239.18 569.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 286.13 569.30 Td (pulled ) Tj ET Q q 0 0 0 rg BT 313.63 569.30 Td (back;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 557.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 557.30 Td (Hiring ) Tj ET Q q 0 0 0 rg BT 104.07 557.30 Td (quality ) Tj ET Q q 0 0 0 rg BT 134.45 557.30 Td (lenders ) Tj ET Q q 0 0 0 rg BT 165.94 557.30 Td (and ) Tj ET Q q 0 0 0 rg BT 182.99 557.30 Td (other ) Tj ET Q q 0 0 0 rg BT 206.14 557.30 Td (staf) Tj ET Q q 0 0 0 rg BT 220.40 557.30 Td (f ) Tj ET Q q 0 0 0 rg BT 226.34 557.30 Td (away ) Tj ET Q q 0 0 0 rg BT 250.05 557.30 Td (from ) Tj ET Q q 0 0 0 rg BT 272.10 557.30 Td (lar) Tj ET Q q 0 0 0 rg BT 282.46 557.30 Td (ger ) Tj ET Q q 0 0 0 rg BT 297.84 557.30 Td (and ) Tj ET Q q 0 0 0 rg BT 314.89 557.30 Td (smaller ) Tj ET Q q 0 0 0 rg BT 346.93 557.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 394.00 557.30 Td (that ) Tj ET Q q 0 0 0 rg BT 411.60 557.30 Td (may ) Tj ET Q q 0 0 0 rg BT 431.43 557.30 Td (have ) Tj ET Q q 0 0 0 rg BT 452.92 557.30 Td (substantially ) Tj ET Q q 0 0 0 rg BT 506.08 557.30 Td (deviated ) Tj ET Q q 0 0 0 rg BT 542.56 557.30 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 545.30 Td (a ) Tj ET Q q 0 0 0 rg BT 81.37 545.30 Td (customer) Tj ET Q q 0 0 0 rg BT 117.82 545.30 Td (-focused ) Tj ET Q q 0 0 0 rg BT 153.83 545.30 Td (approach ) Tj ET Q q 0 0 0 rg BT 192.05 545.30 Td (or ) Tj ET Q q 0 0 0 rg BT 201.96 545.30 Td (who ) Tj ET Q q 0 0 0 rg BT 220.76 545.30 Td (may ) Tj ET Q q 0 0 0 rg BT 239.55 545.30 Td (have ) Tj ET Q q 0 0 0 rg BT 260.00 545.30 Td (substantially ) Tj ET Q q 0 0 0 rg BT 312.13 545.30 Td (limited ) Tj ET Q q 0 0 0 rg BT 342.04 545.30 Td (the ) Tj ET Q q 0 0 0 rg BT 355.83 545.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 382.96 545.30 Td (of ) Tj ET Q q 0 0 0 rg BT 392.87 545.30 Td (their ) Tj ET Q q 0 0 0 rg BT 412.77 545.30 Td (staf) Tj ET Q q 0 0 0 rg BT 427.03 545.30 Td (f ) Tj ET Q q 0 0 0 rg BT 431.94 545.30 Td (to ) Tj ET Q q 0 0 0 rg BT 441.29 545.30 Td (provide ) Tj ET Q q 0 0 0 rg BT 473.42 545.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 497.76 545.30 Td (or ) Tj ET Q q 0 0 0 rg BT 507.66 545.30 Td (other ) Tj ET Q q 0 0 0 rg BT 529.79 545.30 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 533.30 Td (to ) Tj ET Q q 0 0 0 rg BT 85.63 533.30 Td (their ) Tj ET Q q 0 0 0 rg BT 106.45 533.30 Td (customers;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 521.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 521.30 Td (Investing ) Tj ET Q q 0 0 0 rg BT 115.34 521.30 Td (in ) Tj ET Q q 0 0 0 rg BT 126.25 521.30 Td (dislocated ) Tj ET Q q 0 0 0 rg BT 169.91 521.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 196.37 521.30 Td (such ) Tj ET Q q 0 0 0 rg BT 217.82 521.30 Td (as ) Tj ET Q q 0 0 0 rg BT 229.28 521.30 Td (the ) Tj ET Q q 0 0 0 rg BT 244.62 521.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 288.28 521.30 Td (life ) Tj ET Q q 0 0 0 rg BT 304.73 521.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 346.17 521.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 385.40 521.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 417.95 521.30 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 458.57 521.30 Td (the ) Tj ET Q q 0 0 0 rg BT 473.91 521.30 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 514.80 521.30 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 509.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 113.90 509.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 146.12 509.30 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 186.41 509.30 Td (trust ) Tj ET Q q 0 0 0 rg BT 206.98 509.30 Td (and ) Tj ET Q q 0 0 0 rg BT 224.22 509.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 270.89 509.30 Td (management ) Tj ET Q q 0 0 0 rg BT 324.78 509.30 Td (companies ) Tj ET Q q 0 0 0 rg BT 370.34 509.30 Td (and ) Tj ET Q q 0 0 0 rg BT 387.57 509.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 417.57 509.30 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 474.22 509.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 514.78 509.30 Td (obligations; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 497.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 485.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 485.30 Td (Purchasing ) Tj ET Q q 0 0 0 rg BT 122.64 485.30 Td (banks ) Tj ET Q q 0 0 0 rg BT 148.82 485.30 Td (and ) Tj ET Q q 0 0 0 rg BT 166.10 485.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 201.17 485.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 227.35 485.30 Td (either ) Tj ET Q q 0 0 0 rg BT 252.96 485.30 Td (directly ) Tj ET Q q 0 0 0 rg BT 286.35 485.30 Td (or ) Tj ET Q q 0 0 0 rg BT 297.53 485.30 Td (through ) Tj ET Q q 0 0 0 rg BT 331.49 485.30 Td (the ) Tj ET Q q 0 0 0 rg BT 346.56 485.30 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 406.63 485.30 Td (process ) Tj ET Q q 0 0 0 rg BT 439.47 485.30 Td (in ) Tj ET Q q 0 0 0 rg BT 450.09 485.30 Td (areas ) Tj ET Q q 0 0 0 rg BT 473.48 485.30 Td (key ) Tj ET Q q 0 0 0 rg BT 490.77 485.30 Td (to ) Tj ET Q q 0 0 0 rg BT 501.39 485.30 Td (our ) Tj ET Q q 0 0 0 rg BT 517.57 485.30 Td (geographic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 473.30 Td (expansion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.27 452.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.89 452.30 Td (has ) Tj ET Q q 0 0 0 rg BT 122.94 452.30 Td (employed ) Tj ET Q q 0 0 0 rg BT 164.10 452.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 193.03 452.30 Td (strategies ) Tj ET Q q 0 0 0 rg BT 232.52 452.30 Td (since ) Tj ET Q q 0 0 0 rg BT 254.79 452.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 276.52 452.30 Td (to ) Tj ET Q q 0 0 0 rg BT 286.02 452.30 Td (manage ) Tj ET Q q 0 0 0 rg BT 318.84 452.30 Td (net ) Tj ET Q q 0 0 0 rg BT 332.79 452.30 Td (income ) Tj ET Q q 0 0 0 rg BT 363.95 452.30 Td (amid ) Tj ET Q q 0 0 0 rg BT 385.67 452.30 Td (an ) Tj ET Q q 0 0 0 rg BT 396.83 452.30 Td (environment ) Tj ET Q q 0 0 0 rg BT 449.10 452.30 Td (characterized ) Tj ET Q q 0 0 0 rg BT 504.11 452.30 Td (by ) Tj ET Q q 0 0 0 rg BT 515.84 452.30 Td (low ) Tj ET Q q 0 0 0 rg BT 532.56 452.30 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 71.68 440.30 Td (and ) Tj ET Q q 0 0 0 rg BT 88.93 440.30 Td (increased ) Tj ET Q q 0 0 0 rg BT 129.48 440.30 Td (competition. ) Tj ET Q q 0 0 0 rg BT 182.56 440.30 Td ( ) Tj ET Q q 0 0 0 rg BT 185.36 440.30 Td (In ) Tj ET Q q 0 0 0 rg BT 196.50 440.30 Td (general, ) Tj ET Q q 0 0 0 rg BT 231.23 440.30 Td (the ) Tj ET Q q 0 0 0 rg BT 246.25 440.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 287.94 440.30 Td (has ) Tj ET Q q 0 0 0 rg BT 304.08 440.30 Td (taken ) Tj ET Q q 0 0 0 rg BT 328.54 440.30 Td (a ) Tj ET Q q 0 0 0 rg BT 335.78 440.30 Td (steady ) Tj ET Q q 0 0 0 rg BT 364.13 440.30 Td (and ) Tj ET Q q 0 0 0 rg BT 381.38 440.30 Td (measured ) Tj ET Q q 0 0 0 rg BT 422.50 440.30 Td (approach ) Tj ET Q q 0 0 0 rg BT 461.95 440.30 Td (to ) Tj ET Q q 0 0 0 rg BT 472.53 440.30 Td (grow ) Tj ET Q q 0 0 0 rg BT 495.89 440.30 Td (strategically ) Tj ET Q q 0 0 0 rg BT 547.56 440.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 428.30 Td (manage ) Tj ET Q q 0 0 0 rg BT 83.59 428.30 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 124.69 428.30 Td ( ) Tj ET Q q 0 0 0 rg BT 127.19 428.30 Td (Specifically) Tj ET Q q 0 0 0 rg BT 174.30 428.30 Td (, ) Tj ET Q q 0 0 0 rg BT 179.30 428.30 Td (the ) Tj ET Q q 0 0 0 rg BT 194.02 428.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 235.41 428.30 Td (has:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 404.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 404.30 Td (Leveraged ) Tj ET Q q 0 0 0 rg BT 119.15 404.30 Td (its ) Tj ET Q q 0 0 0 rg BT 130.21 404.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 162.36 404.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 181.18 404.30 Td (pipeline ) Tj ET Q q 0 0 0 rg BT 215.01 404.30 Td (and ) Tj ET Q q 0 0 0 rg BT 231.05 404.30 Td (external ) Tj ET Q q 0 0 0 rg BT 264.86 404.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 294.80 404.30 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 349.19 404.30 Td (to ) Tj ET Q q 0 0 0 rg BT 358.57 404.30 Td (grow ) Tj ET Q q 0 0 0 rg BT 380.73 404.30 Td (earnings ) Tj ET Q q 0 0 0 rg BT 416.22 404.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 441.16 404.30 Td (to ) Tj ET Q q 0 0 0 rg BT 450.55 404.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 484.91 404.30 Td (net ) Tj ET Q q 0 0 0 rg BT 498.73 404.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 529.78 404.30 Td (income;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 392.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 392.30 Td (Continued ) Tj ET Q q 0 0 0 rg BT 119.52 392.30 Td (ef) Tj ET Q q 0 0 0 rg BT 127.10 392.30 Td (forts ) Tj ET Q q 0 0 0 rg BT 147.93 392.30 Td (to ) Tj ET Q q 0 0 0 rg BT 158.21 392.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 187.36 392.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 219.29 392.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 241.79 392.30 Td (by ) Tj ET Q q 0 0 0 rg BT 254.29 392.30 Td (improving ) Tj ET Q q 0 0 0 rg BT 298.46 392.30 Td (our ) Tj ET Q q 0 0 0 rg BT 314.29 392.30 Td (funding ) Tj ET Q q 0 0 0 rg BT 347.89 392.30 Td (mix;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 380.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 380.30 Td (W) Tj ET Q q 0 0 0 rg BT 84.39 380.30 Td (ritten ) Tj ET Q q 0 0 0 rg BT 108.23 380.30 Td (call ) Tj ET Q q 0 0 0 rg BT 125.40 380.30 Td (option ) Tj ET Q q 0 0 0 rg BT 153.70 380.30 Td (contracts ) Tj ET Q q 0 0 0 rg BT 192.53 380.30 Td (on ) Tj ET Q q 0 0 0 rg BT 205.27 380.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 235.21 380.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 275.72 380.30 Td (as ) Tj ET Q q 0 0 0 rg BT 286.79 380.30 Td (an ) Tj ET Q q 0 0 0 rg BT 298.96 380.30 Td (economic ) Tj ET Q q 0 0 0 rg BT 340.57 380.30 Td (hedge ) Tj ET Q q 0 0 0 rg BT 367.19 380.30 Td (to ) Tj ET Q q 0 0 0 rg BT 377.71 380.30 Td (enhance ) Tj ET Q q 0 0 0 rg BT 413.20 380.30 Td (the ) Tj ET Q q 0 0 0 rg BT 428.16 380.30 Td (securities' ) Tj ET Q q 0 0 0 rg BT 470.46 380.30 Td (overall ) Tj ET Q q 0 0 0 rg BT 500.97 380.30 Td (return ) Tj ET Q q 0 0 0 rg BT 527.58 380.30 Td (by ) Tj ET Q q 0 0 0 rg BT 540.32 380.30 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 368.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 93.95 368.30 Td (generated ) Tj ET Q q 0 0 0 rg BT 135.31 368.30 Td (from ) Tj ET Q q 0 0 0 rg BT 157.25 368.30 Td (these ) Tj ET Q q 0 0 0 rg BT 180.30 368.30 Td (options ) Tj ET Q q 0 0 0 rg BT 212.24 368.30 Td (and ) Tj ET Q q 0 0 0 rg BT 229.18 368.30 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 264.45 368.30 Td (overall ) Tj ET Q q 0 0 0 rg BT 294.72 368.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 326.65 368.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 344.13 368.30 Td (risk;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 356.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 356.30 Td (Entered ) Tj ET Q q 0 0 0 rg BT 108.94 356.30 Td (into ) Tj ET Q q 0 0 0 rg BT 127.00 356.30 Td (mirror) Tj ET Q q 0 0 0 rg BT 152.35 356.30 Td (-image ) Tj ET Q q 0 0 0 rg BT 182.61 356.30 Td (swap ) Tj ET Q q 0 0 0 rg BT 205.66 356.30 Td (transactions ) Tj ET Q q 0 0 0 rg BT 255.93 356.30 Td (to ) Tj ET Q q 0 0 0 rg BT 266.20 356.30 Td (both ) Tj ET Q q 0 0 0 rg BT 286.48 356.30 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 315.09 356.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 354.25 356.30 Td (preferences ) Tj ET Q q 0 0 0 rg BT 402.82 356.30 Td (and ) Tj ET Q q 0 0 0 rg BT 419.76 356.30 Td (maintain ) Tj ET Q q 0 0 0 rg BT 457.25 356.30 Td (variable ) Tj ET Q q 0 0 0 rg BT 491.95 356.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 509.44 356.30 Td (exposure;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 344.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 344.30 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 118.90 344.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 150.78 344.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 168.21 344.30 Td (cap ) Tj ET Q q 0 0 0 rg BT 184.54 344.30 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 230.86 344.30 Td (to ) Tj ET Q q 0 0 0 rg BT 241.09 344.30 Td (of) Tj ET Q q 0 0 0 rg BT 249.24 344.30 Td (fset ) Tj ET Q q 0 0 0 rg BT 266.12 344.30 Td (mar) Tj ET Q q 0 0 0 rg BT 281.49 344.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 296.72 344.30 Td (compression ) Tj ET Q q 0 0 0 rg BT 349.71 344.30 Td (caused ) Tj ET Q q 0 0 0 rg BT 379.37 344.30 Td (by ) Tj ET Q q 0 0 0 rg BT 391.82 344.30 Td (the ) Tj ET Q q 0 0 0 rg BT 406.48 344.30 Td (repricing ) Tj ET Q q 0 0 0 rg BT 445.03 344.30 Td (of ) Tj ET Q q 0 0 0 rg BT 455.80 344.30 Td (variable ) Tj ET Q q 0 0 0 rg BT 490.45 344.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 507.89 344.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 547.55 344.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 332.30 Td (lack ) Tj ET Q q 0 0 0 rg BT 94.51 332.30 Td (of ) Tj ET Q q 0 0 0 rg BT 105.34 332.30 Td (repricing ) Tj ET Q q 0 0 0 rg BT 143.93 332.30 Td (of ) Tj ET Q q 0 0 0 rg BT 154.76 332.30 Td (fixed ) Tj ET Q q 0 0 0 rg BT 177.81 332.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 195.29 332.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 218.90 332.30 Td (and ) Tj ET Q q 0 0 0 rg BT 235.84 332.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 276.10 332.30 Td (in ) Tj ET Q q 0 0 0 rg BT 286.38 332.30 Td (a ) Tj ET Q q 0 0 0 rg BT 293.32 332.30 Td (potential ) Tj ET Q q 0 0 0 rg BT 330.81 332.30 Td (rising ) Tj ET Q q 0 0 0 rg BT 356.09 332.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 373.57 332.30 Td (environment;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 320.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 320.30 Td (Completed ) Tj ET Q q 0 0 0 rg BT 121.73 320.30 Td (strategic ) Tj ET Q q 0 0 0 rg BT 158.10 320.30 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 208.38 320.30 Td (to ) Tj ET Q q 0 0 0 rg BT 218.66 320.30 Td (expand ) Tj ET Q q 0 0 0 rg BT 250.03 320.30 Td (presence ) Tj ET Q q 0 0 0 rg BT 287.51 320.30 Td (in ) Tj ET Q q 0 0 0 rg BT 297.79 320.30 Td (existing ) Tj ET Q q 0 0 0 rg BT 331.95 320.30 Td (and ) Tj ET Q q 0 0 0 rg BT 348.89 320.30 Td (complimentary ) Tj ET Q q 0 0 0 rg BT 411.93 320.30 Td (markets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 308.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 308.30 Td (Focused ) Tj ET Q q 0 0 0 rg BT 111.60 308.30 Td (on ) Tj ET Q q 0 0 0 rg BT 124.53 308.30 Td (cost ) Tj ET Q q 0 0 0 rg BT 143.56 308.30 Td (control ) Tj ET Q q 0 0 0 rg BT 174.81 308.30 Td (and ) Tj ET Q q 0 0 0 rg BT 192.18 308.30 Td (leveraging ) Tj ET Q q 0 0 0 rg BT 237.30 308.30 Td (our ) Tj ET Q q 0 0 0 rg BT 253.56 308.30 Td (current ) Tj ET Q q 0 0 0 rg BT 284.80 308.30 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 341.59 308.30 Td (to ) Tj ET Q q 0 0 0 rg BT 352.29 308.30 Td (grow ) Tj ET Q q 0 0 0 rg BT 375.77 308.30 Td (without ) Tj ET Q q 0 0 0 rg BT 409.25 308.30 Td (a ) Tj ET Q q 0 0 0 rg BT 416.61 308.30 Td (commensurate ) Tj ET Q q 0 0 0 rg BT 477.85 308.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 513.52 308.30 Td (in ) Tj ET Q q 0 0 0 rg BT 524.23 308.30 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 296.30 Td (expenses;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 284.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 284.30 Td (Expanded ) Tj ET Q q 0 0 0 rg BT 117.84 284.30 Td (the ) Tj ET Q q 0 0 0 rg BT 132.37 284.30 Td (W) Tj ET Q q 0 0 0 rg BT 141.41 284.30 Td (intrust ) Tj ET Q q 0 0 0 rg BT 169.47 284.30 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 221.39 284.30 Td (Finance ) Tj ET Q q 0 0 0 rg BT 255.55 284.30 Td (direct ) Tj ET Q q 0 0 0 rg BT 280.81 284.30 Td (leasing ) Tj ET Q q 0 0 0 rg BT 311.64 284.30 Td (niche ) Tj ET Q q 0 0 0 rg BT 335.79 284.30 Td (in ) Tj ET Q q 0 0 0 rg BT 346.07 284.30 Td (2015; ) Tj ET Q q 0 0 0 rg BT 371.35 284.30 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 272.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 272.30 Td (Further ) Tj ET Q q 0 0 0 rg BT 107.46 272.30 Td (strengthened ) Tj ET Q q 0 0 0 rg BT 161.23 272.30 Td (our ) Tj ET Q q 0 0 0 rg BT 177.24 272.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 206.56 272.30 Td (position ) Tj ET Q q 0 0 0 rg BT 241.46 272.30 Td (in ) Tj ET Q q 0 0 0 rg BT 251.92 272.30 Td (2015 ) Tj ET Q q 0 0 0 rg BT 274.59 272.30 Td (and ) Tj ET Q q 0 0 0 rg BT 291.70 272.30 Td (raised ) Tj ET Q q 0 0 0 rg BT 318.26 272.30 Td (net ) Tj ET Q q 0 0 0 rg BT 333.15 272.30 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 371.36 272.30 Td (of ) Tj ET Q q 0 0 0 rg BT 382.36 272.30 Td ($120.8 ) Tj ET Q q 0 0 0 rg BT 412.54 272.30 Td (million ) Tj ET Q q 0 0 0 rg BT 444.11 272.30 Td (through ) Tj ET Q q 0 0 0 rg BT 477.89 272.30 Td (the ) Tj ET Q q 0 0 0 rg BT 492.78 272.30 Td (issuance ) Tj ET Q q 0 0 0 rg BT 529.33 272.30 Td (and ) Tj ET Q q 0 0 0 rg BT 546.45 272.30 Td (sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 260.30 Td (of ) Tj ET Q q 0 0 0 rg BT 86.18 260.30 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 151.44 260.30 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 191.14 260.30 Td (preferred ) Tj ET Q q 0 0 0 rg BT 230.28 260.30 Td (stock;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.30 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.05 239.30 Td (strategy ) Tj ET Q q 0 0 0 rg BT 102.21 239.30 Td (and ) Tj ET Q q 0 0 0 rg BT 119.15 239.30 Td (competitive ) Tj ET Q q 0 0 0 rg BT 168.85 239.30 Td (position ) Tj ET Q q 0 0 0 rg BT 203.58 239.30 Td (for ) Tj ET Q q 0 0 0 rg BT 217.74 239.30 Td (each ) Tj ET Q q 0 0 0 rg BT 238.55 239.30 Td (of ) Tj ET Q q 0 0 0 rg BT 249.38 239.30 Td (our ) Tj ET Q q 0 0 0 rg BT 265.21 239.30 Td (business ) Tj ET Q q 0 0 0 rg BT 301.61 239.30 Td (segments ) Tj ET Q q 0 0 0 rg BT 341.32 239.30 Td (is ) Tj ET Q q 0 0 0 rg BT 350.49 239.30 Td (summarized ) Tj ET Q q 0 0 0 rg BT 401.87 239.30 Td (in ) Tj ET Q q 0 0 0 rg BT 412.14 239.30 Td (further ) Tj ET Q q 0 0 0 rg BT 441.85 239.30 Td (detail, ) Tj ET Q q 0 0 0 rg BT 469.06 239.30 Td (below) Tj ET Q q 0 0 0 rg BT 492.85 239.30 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 218.30 Td (Community Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 197.30 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 197.30 Td (e ) Tj ET Q q 0 0 0 rg BT 66.48 197.30 Td (compete ) Tj ET Q q 0 0 0 rg BT 103.76 197.30 Td (in ) Tj ET Q q 0 0 0 rg BT 114.95 197.30 Td (the ) Tj ET Q q 0 0 0 rg BT 130.57 197.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 181.18 197.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 216.80 197.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 252.99 197.30 Td (through ) Tj ET Q q 0 0 0 rg BT 287.50 197.30 Td (our ) Tj ET Q q 0 0 0 rg BT 304.24 197.30 Td (banks ) Tj ET Q q 0 0 0 rg BT 330.98 197.30 Td (in ) Tj ET Q q 0 0 0 rg BT 342.16 197.30 Td (the ) Tj ET Q q 0 0 0 rg BT 357.79 197.30 Td (communities ) Tj ET Q q 0 0 0 rg BT 412.85 197.30 Td (they ) Tj ET Q q 0 0 0 rg BT 433.48 197.30 Td (serve. ) Tj ET Q q 0 0 0 rg BT 460.24 197.30 Td (The ) Tj ET Q q 0 0 0 rg BT 479.19 197.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 529.80 197.30 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 84.87 185.30 Td (is ) Tj ET Q q 0 0 0 rg BT 93.64 185.30 Td (highly ) Tj ET Q q 0 0 0 rg BT 121.29 185.30 Td (competitive ) Tj ET Q q 0 0 0 rg BT 170.59 185.30 Td (and ) Tj ET Q q 0 0 0 rg BT 187.12 185.30 Td (the ) Tj ET Q q 0 0 0 rg BT 201.44 185.30 Td (banks ) Tj ET Q q 0 0 0 rg BT 226.86 185.30 Td (face ) Tj ET Q q 0 0 0 rg BT 245.60 185.30 Td (strong ) Tj ET Q q 0 0 0 rg BT 272.70 185.30 Td (direct ) Tj ET Q q 0 0 0 rg BT 297.55 185.30 Td (competition ) Tj ET Q q 0 0 0 rg BT 347.42 185.30 Td (for ) Tj ET Q q 0 0 0 rg BT 361.17 185.30 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 398.54 185.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 421.75 185.30 Td (and ) Tj ET Q q 0 0 0 rg BT 438.28 185.30 Td (other ) Tj ET Q q 0 0 0 rg BT 460.92 185.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 498.00 185.30 Td (related ) Tj ET Q q 0 0 0 rg BT 527.29 185.30 Td (services. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.46 173.30 Td (banks ) Tj ET Q q 0 0 0 rg BT 92.71 173.30 Td (compete ) Tj ET Q q 0 0 0 rg BT 128.50 173.30 Td (with ) Tj ET Q q 0 0 0 rg BT 148.20 173.30 Td (other ) Tj ET Q q 0 0 0 rg BT 170.66 173.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 219.78 173.30 Td (banks, ) Tj ET Q q 0 0 0 rg BT 247.53 173.30 Td (thrifts, ) Tj ET Q q 0 0 0 rg BT 275.83 173.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 300.51 173.30 Td (unions, ) Tj ET Q q 0 0 0 rg BT 331.60 173.30 Td (stockbrokers, ) Tj ET Q q 0 0 0 rg BT 387.12 173.30 Td (government-sponsored ) Tj ET Q q 0 0 0 rg BT 480.68 173.30 Td (entities, ) Tj ET Q q 0 0 0 rg BT 513.98 173.30 Td (mutual ) Tj ET Q q 0 0 0 rg BT 543.67 173.30 Td (fund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 161.30 Td (companies, ) Tj ET Q q 0 0 0 rg BT 98.14 161.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 139.33 161.30 Td (companies, ) Tj ET Q q 0 0 0 rg BT 187.46 161.30 Td (factoring ) Tj ET Q q 0 0 0 rg BT 226.43 161.30 Td (companies ) Tj ET Q q 0 0 0 rg BT 272.07 161.30 Td (and ) Tj ET Q q 0 0 0 rg BT 289.38 161.30 Td (other ) Tj ET Q q 0 0 0 rg BT 312.80 161.30 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 353.44 161.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 391.30 161.30 Td (companies. ) Tj ET Q q 0 0 0 rg BT 439.43 161.30 Td (Some ) Tj ET Q q 0 0 0 rg BT 465.09 161.30 Td (of ) Tj ET Q q 0 0 0 rg BT 476.29 161.30 Td (these ) Tj ET Q q 0 0 0 rg BT 499.71 161.30 Td (competitors ) Tj ET Q q 0 0 0 rg BT 549.79 161.30 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 149.30 Td (local, ) Tj ET Q q 0 0 0 rg BT 74.43 149.30 Td (while ) Tj ET Q q 0 0 0 rg BT 99.15 149.30 Td (others ) Tj ET Q q 0 0 0 rg BT 126.09 149.30 Td (are ) Tj ET Q q 0 0 0 rg BT 140.80 149.30 Td (statewide ) Tj ET Q q 0 0 0 rg BT 181.06 149.30 Td (or ) Tj ET Q q 0 0 0 rg BT 191.89 149.30 Td (nationwide.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.30 Td (As ) Tj ET Q q 0 0 0 rg BT 63.24 128.30 Td (a ) Tj ET Q q 0 0 0 rg BT 69.80 128.30 Td (mid-size ) Tj ET Q q 0 0 0 rg BT 106.36 128.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 143.47 128.30 Td (services ) Tj ET Q q 0 0 0 rg BT 177.80 128.30 Td (company) Tj ET Q q 0 0 0 rg BT 213.81 128.30 Td (, ) Tj ET Q q 0 0 0 rg BT 218.43 128.30 Td (we ) Tj ET Q q 0 0 0 rg BT 232.22 128.30 Td (expect ) Tj ET Q q 0 0 0 rg BT 260.44 128.30 Td (to ) Tj ET Q q 0 0 0 rg BT 270.34 128.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 300.23 128.30 Td (from ) Tj ET Q q 0 0 0 rg BT 321.79 128.30 Td (greater ) Tj ET Q q 0 0 0 rg BT 351.67 128.30 Td (access ) Tj ET Q q 0 0 0 rg BT 379.34 128.30 Td (to ) Tj ET Q q 0 0 0 rg BT 389.24 128.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 426.35 128.30 Td (and ) Tj ET Q q 0 0 0 rg BT 442.91 128.30 Td (managerial ) Tj ET Q q 0 0 0 rg BT 489.45 128.30 Td (resources ) Tj ET Q q 0 0 0 rg BT 529.34 128.30 Td (than ) Tj ET Q q 0 0 0 rg BT 548.68 128.30 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.30 Td (smaller ) Tj ET Q q 0 0 0 rg BT 81.34 116.30 Td (local ) Tj ET Q q 0 0 0 rg BT 102.68 116.30 Td (competitors ) Tj ET Q q 0 0 0 rg BT 151.80 116.30 Td (while ) Tj ET Q q 0 0 0 rg BT 175.92 116.30 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 225.59 116.30 Td (our ) Tj ET Q q 0 0 0 rg BT 240.83 116.30 Td (commitment ) Tj ET Q q 0 0 0 rg BT 293.28 116.30 Td (to ) Tj ET Q q 0 0 0 rg BT 302.97 116.30 Td (local ) Tj ET Q q 0 0 0 rg BT 324.31 116.30 Td (decision-making ) Tj ET Q q 0 0 0 rg BT 392.86 116.30 Td (and ) Tj ET Q q 0 0 0 rg BT 409.21 116.30 Td (to ) Tj ET Q q 0 0 0 rg BT 418.89 116.30 Td (our ) Tj ET Q q 0 0 0 rg BT 434.13 116.30 Td (community ) Tj ET Q q 0 0 0 rg BT 481.58 116.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 515.71 116.30 Td (philosophy) Tj ET Q q 0 0 0 rg BT 559.50 116.30 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 104.30 Td (In ) Tj ET Q q 0 0 0 rg BT 61.14 104.30 Td (particular) Tj ET Q q 0 0 0 rg BT 99.05 104.30 Td (, ) Tj ET Q q 0 0 0 rg BT 104.35 104.30 Td (we ) Tj ET Q q 0 0 0 rg BT 118.82 104.30 Td (are ) Tj ET Q q 0 0 0 rg BT 133.83 104.30 Td (able ) Tj ET Q q 0 0 0 rg BT 153.30 104.30 Td (to ) Tj ET Q q 0 0 0 rg BT 163.88 104.30 Td (provide ) Tj ET Q q 0 0 0 rg BT 197.23 104.30 Td (a ) Tj ET Q q 0 0 0 rg BT 204.48 104.30 Td (wider ) Tj ET Q q 0 0 0 rg BT 230.05 104.30 Td (product ) Tj ET Q q 0 0 0 rg BT 263.41 104.30 Td (selection ) Tj ET Q q 0 0 0 rg BT 301.76 104.30 Td (and ) Tj ET Q q 0 0 0 rg BT 319.00 104.30 Td (lar) Tj ET Q q 0 0 0 rg BT 329.37 104.30 Td (ger ) Tj ET Q q 0 0 0 rg BT 344.94 104.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 370.51 104.30 Td (facilities ) Tj ET Q q 0 0 0 rg BT 407.75 104.30 Td (than ) Tj ET Q q 0 0 0 rg BT 427.77 104.30 Td (many ) Tj ET Q q 0 0 0 rg BT 452.80 104.30 Td (of ) Tj ET Q q 0 0 0 rg BT 463.93 104.30 Td (our ) Tj ET Q q 0 0 0 rg BT 480.07 104.30 Td (smaller ) Tj ET Q q 0 0 0 rg BT 512.31 104.30 Td (competitors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 92.30 Td (and ) Tj ET Q q 0 0 0 rg BT 67.33 92.30 Td (we ) Tj ET Q q 0 0 0 rg BT 81.88 92.30 Td (believe ) Tj ET Q q 0 0 0 rg BT 113.64 92.30 Td (our ) Tj ET Q q 0 0 0 rg BT 129.86 92.30 Td (service ) Tj ET Q q 0 0 0 rg BT 161.07 92.30 Td (of) Tj ET Q q 0 0 0 rg BT 169.22 92.30 Td (ferings ) Tj ET Q q 0 0 0 rg BT 199.88 92.30 Td (help ) Tj ET Q q 0 0 0 rg BT 219.99 92.30 Td (us ) Tj ET Q q 0 0 0 rg BT 231.77 92.30 Td (in ) Tj ET Q q 0 0 0 rg BT 242.44 92.30 Td (recruiting ) Tj ET Q q 0 0 0 rg BT 284.20 92.30 Td (talented ) Tj ET Q q 0 0 0 rg BT 318.74 92.30 Td (staf) Tj ET Q q 0 0 0 rg BT 333.00 92.30 Td (f. ) Tj ET Q q 0 0 0 rg BT 341.51 92.30 Td (W) Tj ET Q q 0 0 0 rg BT 350.15 92.30 Td (e ) Tj ET Q q 0 0 0 rg BT 357.48 92.30 Td (continue ) Tj ET Q q 0 0 0 rg BT 394.80 92.30 Td (to ) Tj ET Q q 0 0 0 rg BT 405.47 92.30 Td (add ) Tj ET Q q 0 0 0 rg BT 422.80 92.30 Td (lenders ) Tj ET Q q 0 0 0 rg BT 454.57 92.30 Td (throughout ) Tj ET Q q 0 0 0 rg BT 501.34 92.30 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 92.30 Td (community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 80.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.26 80.30 Td (or) Tj ET Q q 0 0 0 rg BT 92.41 80.30 Td (ganization, ) Tj ET Q q 0 0 0 rg BT 138.61 80.30 Td (many ) Tj ET Q q 0 0 0 rg BT 162.88 80.30 Td (of ) Tj ET Q q 0 0 0 rg BT 173.25 80.30 Td (whom ) Tj ET Q q 0 0 0 rg BT 200.30 80.30 Td (have ) Tj ET Q q 0 0 0 rg BT 221.22 80.30 Td (joined ) Tj ET Q q 0 0 0 rg BT 248.27 80.30 Td (us ) Tj ET Q q 0 0 0 rg BT 259.21 80.30 Td (because ) Tj ET Q q 0 0 0 rg BT 292.90 80.30 Td (of ) Tj ET Q q 0 0 0 rg BT 303.28 80.30 Td (our ) Tj ET Q q 0 0 0 rg BT 318.65 80.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 346.25 80.30 Td (to ) Tj ET Q q 0 0 0 rg BT 356.08 80.30 Td (of) Tj ET Q q 0 0 0 rg BT 364.23 80.30 Td (fer ) Tj ET Q q 0 0 0 rg BT 377.37 80.30 Td (a ) Tj ET Q q 0 0 0 rg BT 383.86 80.30 Td (range ) Tj ET Q q 0 0 0 rg BT 408.11 80.30 Td (of ) Tj ET Q q 0 0 0 rg BT 418.49 80.30 Td (products ) Tj ET Q q 0 0 0 rg BT 454.98 80.30 Td (and ) Tj ET Q q 0 0 0 rg BT 471.46 80.30 Td (level ) Tj ET Q q 0 0 0 rg BT 492.94 80.30 Td (of ) Tj ET Q q 0 0 0 rg BT 503.32 80.30 Td (services ) Tj ET Q q 0 0 0 rg BT 537.58 80.30 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 68.30 Td (compete ) Tj ET Q q 0 0 0 rg BT 86.07 68.30 Td (ef) Tj ET Q q 0 0 0 rg BT 93.66 68.30 Td (fectively ) Tj ET Q q 0 0 0 rg BT 130.84 68.30 Td (with ) Tj ET Q q 0 0 0 rg BT 150.82 68.30 Td (both ) Tj ET Q q 0 0 0 rg BT 170.80 68.30 Td (lar) Tj ET Q q 0 0 0 rg BT 181.16 68.30 Td (ger ) Tj ET Q q 0 0 0 rg BT 196.13 68.30 Td (and ) Tj ET Q q 0 0 0 rg BT 212.77 68.30 Td (smaller ) Tj ET Q q 0 0 0 rg BT 244.40 68.30 Td (market ) Tj ET Q q 0 0 0 rg BT 274.37 68.30 Td (participants. ) Tj ET Q q 0 0 0 rg BT 325.56 68.30 Td (W) Tj ET Q q 0 0 0 rg BT 334.19 68.30 Td (e ) Tj ET Q q 0 0 0 rg BT 340.83 68.30 Td (have ) Tj ET Q q 0 0 0 rg BT 361.91 68.30 Td (continued ) Tj ET Q q 0 0 0 rg BT 403.54 68.30 Td (to ) Tj ET Q q 0 0 0 rg BT 413.52 68.30 Td (expand ) Tj ET Q q 0 0 0 rg BT 444.60 68.30 Td (our ) Tj ET Q q 0 0 0 rg BT 460.13 68.30 Td (product ) Tj ET Q q 0 0 0 rg BT 492.87 68.30 Td (delivery ) Tj ET Q q 0 0 0 rg BT 527.84 68.30 Td (systems, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 56.30 Td (including ) Tj ET Q q 0 0 0 rg BT 90.16 56.30 Td (a ) Tj ET Q q 0 0 0 rg BT 96.99 56.30 Td (wide ) Tj ET Q q 0 0 0 rg BT 118.81 56.30 Td (variety ) Tj ET Q q 0 0 0 rg BT 148.96 56.30 Td (of ) Tj ET Q q 0 0 0 rg BT 159.68 56.30 Td (electronic ) Tj ET Q q 0 0 0 rg BT 201.48 56.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 236.09 56.30 Td (options ) Tj ET Q q 0 0 0 rg BT 267.92 56.30 Td (for ) Tj ET Q q 0 0 0 rg BT 281.97 56.30 Td (our ) Tj ET Q q 0 0 0 rg BT 297.69 56.30 Td (retail ) Tj ET Q q 0 0 0 rg BT 320.61 56.30 Td (and ) Tj ET Q q 0 0 0 rg BT 337.44 56.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 387.02 56.30 Td (customers ) Tj ET Q q 0 0 0 rg BT 429.96 56.30 Td (which ) Tj ET Q q 0 0 0 rg BT 456.78 56.30 Td (allow ) Tj ET Q q 0 0 0 rg BT 481.39 56.30 Td (us ) Tj ET Q q 0 0 0 rg BT 492.66 56.30 Td (to ) Tj ET Q q 0 0 0 rg BT 502.83 56.30 Td (provide ) Tj ET Q q 0 0 0 rg BT 535.76 56.30 Td (a ) Tj ET Q q 0 0 0 rg BT 542.59 56.30 Td (level ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.00 27.67 Td (7) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.56 742.10 Td (service ) Tj ET Q q 0 0 0 rg BT 93.12 742.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 131.34 742.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 175.67 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 196.68 742.10 Td (much ) Tj ET Q q 0 0 0 rg BT 222.13 742.10 Td (lar) Tj ET Q q 0 0 0 rg BT 232.50 742.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 248.50 742.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 283.96 742.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 334.14 742.10 Td (Consequently) Tj ET Q q 0 0 0 rg BT 388.49 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 394.22 742.10 Td (management ) Tj ET Q q 0 0 0 rg BT 448.55 742.10 Td (views ) Tj ET Q q 0 0 0 rg BT 475.11 742.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 522.78 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 534.35 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 542.02 742.10 Td (great ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (equalizer ) Tj ET Q q 0 0 0 rg BT 89.13 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 99.40 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 107.55 730.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 124.48 730.10 Td (some ) Tj ET Q q 0 0 0 rg BT 148.08 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.90 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.61 730.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 208.87 730.10 Td (advantages ) Tj ET Q q 0 0 0 rg BT 255.78 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.60 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 278.54 730.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 331.03 730.10 Td (lar) Tj ET Q q 0 0 0 rg BT 341.39 730.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 356.65 730.10 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 408.31 730.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 458.21 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 463.20 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 477.35 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 498.72 730.10 Td (access ) Tj ET Q q 0 0 0 rg BT 526.75 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 537.02 730.10 Td (public ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.15 718.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 113.31 718.10 Td (whereas ) Tj ET Q q 0 0 0 rg BT 148.56 718.10 Td (many ) Tj ET Q q 0 0 0 rg BT 173.28 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.11 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 199.94 718.10 Td (local ) Tj ET Q q 0 0 0 rg BT 221.88 718.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 271.59 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 286.29 718.10 Td (privately ) Tj ET Q q 0 0 0 rg BT 324.34 718.10 Td (held ) Tj ET Q q 0 0 0 rg BT 344.05 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.99 718.10 Td (may ) Tj ET Q q 0 0 0 rg BT 380.71 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 402.08 718.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 432.92 718.10 Td (capital-raising ) Tj ET Q q 0 0 0 rg BT 492.61 718.10 Td (capabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 697.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.65 697.10 Td (also ) Tj ET Q q 0 0 0 rg BT 84.34 697.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 115.79 697.10 Td (we ) Tj ET Q q 0 0 0 rg BT 130.03 697.10 Td (are ) Tj ET Q q 0 0 0 rg BT 144.81 697.10 Td (positioned ) Tj ET Q q 0 0 0 rg BT 189.06 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.41 697.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 235.86 697.10 Td (ef) Tj ET Q q 0 0 0 rg BT 243.45 697.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 281.01 697.10 Td (with ) Tj ET Q q 0 0 0 rg BT 301.37 697.10 Td (other ) Tj ET Q q 0 0 0 rg BT 324.49 697.10 Td (lar) Tj ET Q q 0 0 0 rg BT 334.86 697.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 350.21 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.22 697.10 Td (more ) Tj ET Q q 0 0 0 rg BT 390.35 697.10 Td (diversified ) Tj ET Q q 0 0 0 rg BT 435.69 697.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 464.10 697.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 486.11 697.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 519.25 697.10 Td (companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.50 685.10 Td (other ) Tj ET Q q 0 0 0 rg BT 89.10 685.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 126.14 685.10 Td (services ) Tj ET Q q 0 0 0 rg BT 160.40 685.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 205.22 685.10 Td (due ) Tj ET Q q 0 0 0 rg BT 221.72 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.55 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.83 685.10 Td (multi-chartered ) Tj ET Q q 0 0 0 rg BT 309.52 685.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 348.22 685.10 Td (that ) Tj ET Q q 0 0 0 rg BT 365.27 685.10 Td (pushes ) Tj ET Q q 0 0 0 rg BT 394.55 685.10 Td (accountability ) Tj ET Q q 0 0 0 rg BT 453.26 685.10 Td (for ) Tj ET Q q 0 0 0 rg BT 466.97 685.10 Td (building ) Tj ET Q q 0 0 0 rg BT 502.37 685.10 Td (a ) Tj ET Q q 0 0 0 rg BT 508.86 685.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 547.56 685.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.45 673.10 Td (high ) Tj ET Q q 0 0 0 rg BT 78.23 673.10 Td (level ) Tj ET Q q 0 0 0 rg BT 100.67 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.01 673.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 151.67 673.10 Td (service ) Tj ET Q q 0 0 0 rg BT 183.00 673.10 Td (down ) Tj ET Q q 0 0 0 rg BT 208.23 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.01 673.10 Td (each ) Tj ET Q q 0 0 0 rg BT 240.34 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.67 673.10 Td (our ) Tj ET Q q 0 0 0 rg BT 268.01 673.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 303.24 673.10 Td (franchises. ) Tj ET Q q 0 0 0 rg BT 348.62 673.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 398.52 673.10 Td (, ) Tj ET Q q 0 0 0 rg BT 404.03 673.10 Td (we ) Tj ET Q q 0 0 0 rg BT 418.70 673.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 450.58 673.10 Td (that ) Tj ET Q q 0 0 0 rg BT 468.58 673.10 Td (we ) Tj ET Q q 0 0 0 rg BT 483.25 673.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 516.80 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 524.25 673.10 Td (relatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 87.98 661.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 124.31 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.98 661.10 Td (products ) Tj ET Q q 0 0 0 rg BT 169.75 661.10 Td (that ) Tj ET Q q 0 0 0 rg BT 186.08 661.10 Td (is ) Tj ET Q q 0 0 0 rg BT 194.09 661.10 Td (responsive ) Tj ET Q q 0 0 0 rg BT 238.19 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.30 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.85 661.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 296.07 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.73 661.10 Td (our ) Tj ET Q q 0 0 0 rg BT 320.40 661.10 Td (customers' ) Tj ET Q q 0 0 0 rg BT 364.08 661.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 388.18 661.10 Td (through ) Tj ET Q q 0 0 0 rg BT 420.63 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.18 661.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 456.06 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.83 661.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 520.36 661.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (supplied ) Tj ET Q q 0 0 0 rg BT 86.41 649.10 Td (by ) Tj ET Q q 0 0 0 rg BT 98.93 649.10 Td (our ) Tj ET Q q 0 0 0 rg BT 114.78 649.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 143.13 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.08 649.10 Td (through ) Tj ET Q q 0 0 0 rg BT 193.71 649.10 Td (our ) Tj ET Q q 0 0 0 rg BT 209.56 649.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 249.84 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.80 649.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 295.98 649.10 Td (management ) Tj ET Q q 0 0 0 rg BT 349.58 649.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 396.08 649.10 Td (The ) Tj ET Q q 0 0 0 rg BT 414.14 649.10 Td (breadth ) Tj ET Q q 0 0 0 rg BT 446.65 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.50 649.10 Td (our ) Tj ET Q q 0 0 0 rg BT 473.35 649.10 Td (product ) Tj ET Q q 0 0 0 rg BT 506.41 649.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 524.49 649.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 553.12 649.10 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.41 637.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 96.92 637.10 Td (ef) Tj ET Q q 0 0 0 rg BT 104.51 637.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 142.12 637.10 Td (with ) Tj ET Q q 0 0 0 rg BT 162.53 637.10 Td (our ) Tj ET Q q 0 0 0 rg BT 178.50 637.10 Td (lar) Tj ET Q q 0 0 0 rg BT 188.86 637.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 204.27 637.10 Td (competitors, ) Tj ET Q q 0 0 0 rg BT 256.61 637.10 Td (while ) Tj ET Q q 0 0 0 rg BT 281.46 637.10 Td (our ) Tj ET Q q 0 0 0 rg BT 297.43 637.10 Td (multi-chartered ) Tj ET Q q 0 0 0 rg BT 361.70 637.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 400.98 637.10 Td (with ) Tj ET Q q 0 0 0 rg BT 421.39 637.10 Td (local ) Tj ET Q q 0 0 0 rg BT 443.46 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.53 637.10 Td (accountable ) Tj ET Q q 0 0 0 rg BT 510.92 637.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 86.94 625.10 Td (for ) Tj ET Q q 0 0 0 rg BT 101.10 625.10 Td (what ) Tj ET Q q 0 0 0 rg BT 123.04 625.10 Td (we ) Tj ET Q q 0 0 0 rg BT 137.20 625.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 168.57 625.10 Td (is ) Tj ET Q q 0 0 0 rg BT 177.74 625.10 Td (superior ) Tj ET Q q 0 0 0 rg BT 213.01 625.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 252.16 625.10 Td (service ) Tj ET Q q 0 0 0 rg BT 282.98 625.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 315.46 625.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.74 625.10 Td (our ) Tj ET Q q 0 0 0 rg BT 341.57 625.10 Td (lar) Tj ET Q q 0 0 0 rg BT 351.93 625.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 367.20 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.14 625.10 Td (more ) Tj ET Q q 0 0 0 rg BT 407.19 625.10 Td (centralized ) Tj ET Q q 0 0 0 rg BT 453.54 625.10 Td (competitors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 604.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 86.31 604.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 126.89 604.10 Td (competes ) Tj ET Q q 0 0 0 rg BT 166.37 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 185.86 604.10 Td (lar) Tj ET Q q 0 0 0 rg BT 196.22 604.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 207.37 604.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 246.84 604.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 278.55 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 288.59 604.10 Td (well ) Tj ET Q q 0 0 0 rg BT 307.51 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 317.55 604.10 Td (other ) Tj ET Q q 0 0 0 rg BT 339.81 604.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 373.74 604.10 Td (or) Tj ET Q q 0 0 0 rg BT 381.89 604.10 Td (ganizations. ) Tj ET Q q 0 0 0 rg BT 431.64 604.10 Td (Consolidation, ) Tj ET Q q 0 0 0 rg BT 491.96 604.10 Td (on-going ) Tj ET Q q 0 0 0 rg BT 529.78 604.10 Td (investor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (push-backs, ) Tj ET Q q 0 0 0 rg BT 99.30 592.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 138.87 592.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 181.77 592.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 219.68 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.93 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.96 592.10 Td (promise ) Tj ET Q q 0 0 0 rg BT 283.98 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.13 592.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 317.59 592.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 356.62 592.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.09 592.10 Td (both ) Tj ET Q q 0 0 0 rg BT 389.68 592.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 414.82 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.07 592.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 481.76 592.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 512.45 592.10 Td (have ) Tj ET Q q 0 0 0 rg BT 533.13 592.10 Td (created ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 95.91 580.10 Td (for ) Tj ET Q q 0 0 0 rg BT 111.27 580.10 Td (small ) Tj ET Q q 0 0 0 rg BT 136.64 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.78 580.10 Td (medium-sized ) Tj ET Q q 0 0 0 rg BT 215.13 580.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 267.71 580.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 309.18 580.10 Td (lenders. ) Tj ET Q q 0 0 0 rg BT 343.99 580.10 Td (W) Tj ET Q q 0 0 0 rg BT 353.03 580.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 382.29 580.10 Td (Mortgage's ) Tj ET Q q 0 0 0 rg BT 430.56 580.10 Td (size, ) Tj ET Q q 0 0 0 rg BT 452.31 580.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 475.46 580.10 Td (af) Tj ET Q q 0 0 0 rg BT 483.04 580.10 Td (filiation, ) Tj ET Q q 0 0 0 rg BT 520.91 580.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (competency) Tj ET Q q 0 0 0 rg BT 97.66 568.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.89 568.10 Td (branding, ) Tj ET Q q 0 0 0 rg BT 143.67 568.10 Td (technology) Tj ET Q q 0 0 0 rg BT 187.45 568.10 Td (, ) Tj ET Q q 0 0 0 rg BT 192.69 568.10 Td (business ) Tj ET Q q 0 0 0 rg BT 229.31 568.10 Td (development ) Tj ET Q q 0 0 0 rg BT 283.69 568.10 Td (tools ) Tj ET Q q 0 0 0 rg BT 305.87 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.04 568.10 Td (reputation ) Tj ET Q q 0 0 0 rg BT 366.31 568.10 Td (make ) Tj ET Q q 0 0 0 rg BT 390.70 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.64 568.10 Td (firm ) Tj ET Q q 0 0 0 rg BT 425.59 568.10 Td (well ) Tj ET Q q 0 0 0 rg BT 445.54 568.10 Td (positioned ) Tj ET Q q 0 0 0 rg BT 489.94 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.45 568.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 537.05 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.56 568.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (environment. ) Tj ET Q q 0 0 0 rg BT 106.27 556.10 Td (In ) Tj ET Q q 0 0 0 rg BT 117.83 556.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 143.56 556.10 Td (we ) Tj ET Q q 0 0 0 rg BT 158.45 556.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 200.00 556.10 Td (our ) Tj ET Q q 0 0 0 rg BT 216.56 556.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 257.55 556.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 293.00 556.10 Td (business ) Tj ET Q q 0 0 0 rg BT 330.12 556.10 Td (through ) Tj ET Q q 0 0 0 rg BT 364.46 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.90 556.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 427.02 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.58 556.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 469.01 556.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 495.57 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.24 556.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 553.68 556.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (Surety ) Tj ET Q q 0 0 0 rg BT 78.80 544.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 118.69 544.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 155.26 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.28 544.10 Td (Sherman ) Tj ET Q q 0 0 0 rg BT 204.51 544.10 Td (Oaks, ) Tj ET Q q 0 0 0 rg BT 230.25 544.10 Td (California. ) Tj ET Q q 0 0 0 rg BT 275.38 544.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 325.29 544.10 Td (, ) Tj ET Q q 0 0 0 rg BT 330.47 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 340.94 544.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 366.13 544.10 Td (we ) Tj ET Q q 0 0 0 rg BT 380.47 544.10 Td (have ) Tj ET Q q 0 0 0 rg BT 402.04 544.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 442.48 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.38 544.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 490.06 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.08 544.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 524.88 544.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 544.23 544.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 90.81 532.10 Td (retained, ) Tj ET Q q 0 0 0 rg BT 129.67 532.10 Td (including ) Tj ET Q q 0 0 0 rg BT 171.61 532.10 Td (those ) Tj ET Q q 0 0 0 rg BT 196.87 532.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 222.14 532.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 242.97 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.90 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.28 532.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 320.02 532.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 347.50 532.10 Td (with ) Tj ET Q q 0 0 0 rg BT 369.44 532.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 410.25 532.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 454.96 532.10 Td (within ) Tj ET Q q 0 0 0 rg BT 484.37 532.10 Td (W) Tj ET Q q 0 0 0 rg BT 493.41 532.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 523.12 532.10 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 95.81 520.10 Td (While ) Tj ET Q q 0 0 0 rg BT 122.04 520.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 157.70 520.10 Td (will ) Tj ET Q q 0 0 0 rg BT 175.05 520.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 211.82 520.10 Td (with ) Tj ET Q q 0 0 0 rg BT 231.38 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.39 520.10 Td (rise ) Tj ET Q q 0 0 0 rg BT 261.62 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.84 520.10 Td (fall ) Tj ET Q q 0 0 0 rg BT 292.96 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.08 520.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 344.30 520.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.52 520.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 398.69 520.10 Td (we ) Tj ET Q q 0 0 0 rg BT 412.13 520.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 440.02 520.10 Td (that ) Tj ET Q q 0 0 0 rg BT 456.80 520.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 496.35 520.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 530.36 520.10 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.11 508.10 Td (be ) Tj ET Q q 0 0 0 rg BT 80.10 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 87.09 508.10 Td (continuous ) Tj ET Q q 0 0 0 rg BT 133.53 508.10 Td (source ) Tj ET Q q 0 0 0 rg BT 162.18 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.06 508.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 207.25 508.10 Td (for ) Tj ET Q q 0 0 0 rg BT 221.46 508.10 Td (us ) Tj ET Q q 0 0 0 rg BT 232.91 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.90 508.10 Td (our ) Tj ET Q q 0 0 0 rg BT 265.78 508.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 306.09 508.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 338.64 508.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 392.29 508.10 Td (will ) Tj ET Q q 0 0 0 rg BT 410.40 508.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 447.39 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.72 508.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 490.82 508.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 530.01 508.10 Td (value ) Tj ET Q q 0 0 0 rg BT 554.22 508.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 496.10 Td (other ) Tj ET Q q 0 0 0 rg BT 88.88 496.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 126.36 496.10 Td (service ) Tj ET Q q 0 0 0 rg BT 157.17 496.10 Td (businesses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.12 475.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 84.41 475.10 Td (we ) Tj ET Q q 0 0 0 rg BT 97.87 475.10 Td (furthered ) Tj ET Q q 0 0 0 rg BT 136.30 475.10 Td (our ) Tj ET Q q 0 0 0 rg BT 151.43 475.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 181.55 475.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 215.00 475.10 Td (by ) Tj ET Q q 0 0 0 rg BT 226.79 475.10 Td (purchasing, ) Tj ET Q q 0 0 0 rg BT 274.96 475.10 Td (through ) Tj ET Q q 0 0 0 rg BT 307.86 475.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 336.85 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.97 475.10 Td (our ) Tj ET Q q 0 0 0 rg BT 362.09 475.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 396.10 475.10 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 447.61 475.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 489.39 475.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 523.40 475.10 Td (locations. ) Tj ET Q q 0 0 0 rg BT 564.51 475.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 463.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.83 463.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 103.01 463.10 Td (four ) Tj ET Q q 0 0 0 rg BT 122.43 463.10 Td (new ) Tj ET Q q 0 0 0 rg BT 141.85 463.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 176.82 463.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 215.68 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.21 463.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 263.21 463.10 Td (W) Tj ET Q q 0 0 0 rg BT 272.25 463.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 307.78 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.98 463.10 Td (sixteen ) Tj ET Q q 0 0 0 rg BT 356.06 463.10 Td (new ) Tj ET Q q 0 0 0 rg BT 375.47 463.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 410.45 463.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 449.31 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 459.84 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.82 463.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 510.90 463.10 Td (metropolitan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 71.18 451.10 Td (In ) Tj ET Q q 0 0 0 rg BT 81.55 451.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 118.85 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.11 451.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 174.03 451.10 Td (opened ) Tj ET Q q 0 0 0 rg BT 204.94 451.10 Td (six ) Tj ET Q q 0 0 0 rg BT 218.65 451.10 Td (new ) Tj ET Q q 0 0 0 rg BT 237.34 451.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 266.58 451.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 304.72 451.10 Td (in ) Tj ET Q q 0 0 0 rg BT 314.54 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.79 451.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 364.15 451.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 417.28 451.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 438.46 451.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.50 451.10 Td (However) Tj ET Q q 0 0 0 rg BT 476.75 451.10 Td (, ) Tj ET Q q 0 0 0 rg BT 481.28 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.53 451.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 536.46 451.10 Td (closed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (fourteen ) Tj ET Q q 0 0 0 rg BT 86.08 439.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 121.07 439.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 159.94 439.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.49 439.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 193.26 439.10 Td (as ) Tj ET Q q 0 0 0 rg BT 204.36 439.10 Td (part ) Tj ET Q q 0 0 0 rg BT 222.67 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.77 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.75 439.10 Td (integration ) Tj ET Q q 0 0 0 rg BT 294.84 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.94 439.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 350.37 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.57 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.56 439.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 438.64 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.74 439.10 Td (under) Tj ET Q q 0 0 0 rg BT 472.31 439.10 Td (-performing ) Tj ET Q q 0 0 0 rg BT 523.39 439.10 Td (locations. ) Tj ET Q q 0 0 0 rg BT 564.50 439.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 427.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.83 427.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 97.46 427.10 Td (that ) Tj ET Q q 0 0 0 rg BT 115.21 427.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 151.84 427.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 202.37 427.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.57 427.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 249.53 427.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 292.83 427.10 Td (will ) Tj ET Q q 0 0 0 rg BT 311.15 427.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 336.12 427.10 Td (us ) Tj ET Q q 0 0 0 rg BT 347.77 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.30 427.10 Td (grow ) Tj ET Q q 0 0 0 rg BT 381.61 427.10 Td (into ) Tj ET Q q 0 0 0 rg BT 399.92 427.10 Td (contiguous ) Tj ET Q q 0 0 0 rg BT 446.56 427.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 480.98 427.10 Td (that ) Tj ET Q q 0 0 0 rg BT 498.73 427.10 Td (we ) Tj ET Q q 0 0 0 rg BT 513.14 427.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 551.99 427.10 Td (do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 415.10 Td (service ) Tj ET Q q 0 0 0 rg BT 96.09 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.03 415.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 144.41 415.10 Td (our ) Tj ET Q q 0 0 0 rg BT 160.24 415.10 Td (footprint. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Specialty Finance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 73.95 373.10 Td (encounters ) Tj ET Q q 0 0 0 rg BT 120.09 373.10 Td (intense ) Tj ET Q q 0 0 0 rg BT 151.25 373.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 201.84 373.10 Td (from ) Tj ET Q q 0 0 0 rg BT 224.11 373.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 266.37 373.10 Td (other ) Tj ET Q q 0 0 0 rg BT 289.75 373.10 Td (firms, ) Tj ET Q q 0 0 0 rg BT 316.18 373.10 Td (including ) Tj ET Q q 0 0 0 rg BT 356.78 373.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.05 373.10 Td (number ) Tj ET Q q 0 0 0 rg BT 397.42 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.58 373.10 Td (national ) Tj ET Q q 0 0 0 rg BT 443.62 373.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 493.64 373.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 532.57 373.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 97.67 361.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 142.84 361.10 Td (af) Tj ET Q q 0 0 0 rg BT 150.43 361.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 181.15 361.10 Td (with ) Tj ET Q q 0 0 0 rg BT 201.34 361.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 242.06 361.10 Td (carriers, ) Tj ET Q q 0 0 0 rg BT 276.94 361.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 328.22 361.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 368.94 361.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 401.34 361.10 Td (who ) Tj ET Q q 0 0 0 rg BT 420.97 361.10 Td (of) Tj ET Q q 0 0 0 rg BT 429.12 361.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 442.62 361.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 481.13 361.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 512.96 361.10 Td (services ) Tj ET Q q 0 0 0 rg BT 547.57 361.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (other ) Tj ET Q q 0 0 0 rg BT 72.96 349.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 105.37 349.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 154.74 349.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 179.93 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 190.67 349.10 Td (its ) Tj ET Q q 0 0 0 rg BT 202.53 349.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 252.16 349.10 Td (are ) Tj ET Q q 0 0 0 rg BT 266.78 349.10 Td (lar) Tj ET Q q 0 0 0 rg BT 277.15 349.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 292.33 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 309.18 349.10 Td (have ) Tj ET Q q 0 0 0 rg BT 330.47 349.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 360.64 349.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 398.03 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.88 349.10 Td (other ) Tj ET Q q 0 0 0 rg BT 437.84 349.10 Td (resources. ) Tj ET Q q 0 0 0 rg BT 480.52 349.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 504.05 349.10 Td (competes ) Tj ET Q q 0 0 0 rg BT 544.23 349.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (these ) Tj ET Q q 0 0 0 rg BT 72.67 337.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 103.68 337.10 Td (by ) Tj ET Q q 0 0 0 rg BT 115.80 337.10 Td (emphasizing ) Tj ET Q q 0 0 0 rg BT 168.47 337.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.03 337.10 Td (high ) Tj ET Q q 0 0 0 rg BT 194.93 337.10 Td (level ) Tj ET Q q 0 0 0 rg BT 216.49 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.94 337.10 Td (knowledge ) Tj ET Q q 0 0 0 rg BT 272.94 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.40 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.74 337.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 338.18 337.10 Td (industry) Tj ET Q q 0 0 0 rg BT 370.31 337.10 Td (, ) Tj ET Q q 0 0 0 rg BT 374.93 337.10 Td (flexibility ) Tj ET Q q 0 0 0 rg BT 416.49 337.10 Td (in ) Tj ET Q q 0 0 0 rg BT 426.40 337.10 Td (structuring ) Tj ET Q q 0 0 0 rg BT 471.85 337.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 511.73 337.10 Td (transactions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (and ) Tj ET Q q 0 0 0 rg BT 65.71 325.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.20 325.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 106.02 325.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 138.40 325.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.00 325.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 190.38 325.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 230.15 325.10 Td (W) Tj ET Q q 0 0 0 rg BT 238.79 325.10 Td (e ) Tj ET Q q 0 0 0 rg BT 244.49 325.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 274.64 325.10 Td (that ) Tj ET Q q 0 0 0 rg BT 290.90 325.10 Td (our ) Tj ET Q q 0 0 0 rg BT 305.50 325.10 Td (commitment ) Tj ET Q q 0 0 0 rg BT 357.32 325.10 Td (to ) Tj ET Q q 0 0 0 rg BT 366.37 325.10 Td (service ) Tj ET Q q 0 0 0 rg BT 395.96 325.10 Td (also ) Tj ET Q q 0 0 0 rg BT 413.34 325.10 Td (distinguishes ) Tj ET Q q 0 0 0 rg BT 466.84 325.10 Td (us ) Tj ET Q q 0 0 0 rg BT 477.00 325.10 Td (from ) Tj ET Q q 0 0 0 rg BT 497.71 325.10 Td (our ) Tj ET Q q 0 0 0 rg BT 512.31 325.10 Td (competitors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 313.10 Td (, ) Tj ET Q q 0 0 0 rg BT 105.51 313.10 Td (we ) Tj ET Q q 0 0 0 rg BT 120.27 313.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 152.25 313.10 Td (that ) Tj ET Q q 0 0 0 rg BT 170.35 313.10 Td (FIFC's ) Tj ET Q q 0 0 0 rg BT 200.27 313.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 247.26 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.70 313.10 Td (a ) Tj ET Q q 0 0 0 rg BT 266.24 313.10 Td (lar) Tj ET Q q 0 0 0 rg BT 276.61 313.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 289.15 313.10 Td (life ) Tj ET Q q 0 0 0 rg BT 305.58 313.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 347.00 313.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 386.21 313.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 418.74 313.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 456.84 313.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.38 313.10 Td (related ) Tj ET Q q 0 0 0 rg BT 504.69 313.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 531.13 313.10 Td (in ) Tj ET Q q 0 0 0 rg BT 542.01 313.10 Td (2009 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 91.52 301.10 Td (our ) Tj ET Q q 0 0 0 rg BT 108.62 301.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 137.95 301.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.49 301.10 Td (market ) Tj ET Q q 0 0 0 rg BT 181.03 301.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.24 301.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 216.89 301.10 Td (life ) Tj ET Q q 0 0 0 rg BT 233.99 301.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 276.07 301.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 315.95 301.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 349.14 301.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 389.85 301.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 414.74 301.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 448.50 301.10 Td (competes ) Tj ET Q q 0 0 0 rg BT 490.03 301.10 Td (with ) Tj ET Q q 0 0 0 rg BT 511.58 301.10 Td (one ) Tj ET Q q 0 0 0 rg BT 529.79 301.10 Td (national ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.48 289.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 137.86 289.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 169.57 289.10 Td (company ) Tj ET Q q 0 0 0 rg BT 208.50 289.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.22 289.10 Td (a ) Tj ET Q q 0 0 0 rg BT 231.94 289.10 Td (few ) Tj ET Q q 0 0 0 rg BT 249.21 289.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 284.25 289.10 Td (providers. ) Tj ET Q q 0 0 0 rg BT 326.80 289.10 Td ( ) Tj ET Q q 0 0 0 rg BT 329.08 289.10 Td (In ) Tj ET Q q 0 0 0 rg BT 339.69 289.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 364.47 289.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 387.88 289.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 420.14 289.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 460.74 289.10 Td (its ) Tj ET Q q 0 0 0 rg BT 472.47 289.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 516.40 289.10 Td (through ) Tj ET Q q 0 0 0 rg BT 549.79 289.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 96.38 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.21 277.10 Td (two ) Tj ET Q q 0 0 0 rg BT 124.71 277.10 Td (af) Tj ET Q q 0 0 0 rg BT 132.30 277.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 163.12 277.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 203.38 277.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 244.20 277.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 282.80 277.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 316.41 277.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.35 277.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 370.28 277.10 Td (services ) Tj ET Q q 0 0 0 rg BT 404.99 277.10 Td (companies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 256.10 Td (ricom ) Tj ET Q q 0 0 0 rg BT 81.08 256.10 Td (competes ) Tj ET Q q 0 0 0 rg BT 120.83 256.10 Td (with ) Tj ET Q q 0 0 0 rg BT 140.60 256.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 182.04 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 204.58 256.10 Td (firms, ) Tj ET Q q 0 0 0 rg BT 230.18 256.10 Td (including ) Tj ET Q q 0 0 0 rg BT 269.95 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 276.38 256.10 Td (small ) Tj ET Q q 0 0 0 rg BT 300.04 256.10 Td (number ) Tj ET Q q 0 0 0 rg BT 332.58 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.90 256.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 372.67 256.10 Td (niche ) Tj ET Q q 0 0 0 rg BT 396.32 256.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 427.74 256.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 472.49 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 488.92 256.10 Td (payroll ) Tj ET Q q 0 0 0 rg BT 519.24 256.10 Td (processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (firms, ) Tj ET Q q 0 0 0 rg BT 74.88 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 84.48 244.10 Td (well ) Tj ET Q q 0 0 0 rg BT 102.97 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 112.57 244.10 Td (various ) Tj ET Q q 0 0 0 rg BT 143.28 244.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 173.97 244.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 220.51 244.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 245.11 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.82 244.10 Td (other ) Tj ET Q q 0 0 0 rg BT 282.64 244.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 313.90 244.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 362.03 244.10 Td (T) Tj ET Q q 0 0 0 rg BT 367.79 244.10 Td (ricom's ) Tj ET Q q 0 0 0 rg BT 398.08 244.10 Td (management ) Tj ET Q q 0 0 0 rg BT 450.44 244.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 484.48 244.10 Td (that ) Tj ET Q q 0 0 0 rg BT 500.74 244.10 Td (its ) Tj ET Q q 0 0 0 rg BT 511.46 244.10 Td (commitment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 232.10 Td (service ) Tj ET Q q 0 0 0 rg BT 91.09 232.10 Td (distinguishes ) Tj ET Q q 0 0 0 rg BT 145.82 232.10 Td (it ) Tj ET Q q 0 0 0 rg BT 153.88 232.10 Td (from ) Tj ET Q q 0 0 0 rg BT 175.82 232.10 Td (competitors. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (W) Tj ET Q q 0 0 0 rg BT 57.41 211.10 Td (ealth Management ) Tj ET Q q 0 0 0 rg BT 134.43 211.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.66 190.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 96.42 190.10 Td (management ) Tj ET Q q 0 0 0 rg BT 149.61 190.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 194.48 190.10 Td (\(CTC, ) Tj ET Q q 0 0 0 rg BT 221.72 190.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 243.81 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.36 190.10 Td (Great ) Tj ET Q q 0 0 0 rg BT 284.67 190.10 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 310.19 190.10 Td (Advisors\) ) Tj ET Q q 0 0 0 rg BT 351.74 190.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 387.71 190.10 Td (with ) Tj ET Q q 0 0 0 rg BT 407.60 190.10 Td (lar) Tj ET Q q 0 0 0 rg BT 417.96 190.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 432.84 190.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 461.60 190.10 Td (management ) Tj ET Q q 0 0 0 rg BT 514.80 190.10 Td (subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.02 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 84.26 178.10 Td (lar) Tj ET Q q 0 0 0 rg BT 94.63 178.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 110.09 178.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 132.22 178.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 165.47 178.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 210.93 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 221.95 178.10 Td (well ) Tj ET Q q 0 0 0 rg BT 241.86 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 252.88 178.10 Td (with ) Tj ET Q q 0 0 0 rg BT 273.35 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 296.59 178.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 317.07 178.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 365.02 178.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 407.69 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 424.82 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 448.06 178.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.73 178.10 Td (service ) Tj ET Q q 0 0 0 rg BT 516.74 178.10 Td (companies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (stockbrokers ) Tj ET Q q 0 0 0 rg BT 103.27 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.89 166.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 157.04 166.10 Td (advisors. ) Tj ET Q q 0 0 0 rg BT 194.89 166.10 Td (W) Tj ET Q q 0 0 0 rg BT 203.53 166.10 Td (e ) Tj ET Q q 0 0 0 rg BT 210.14 166.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 241.19 166.10 Td (we ) Tj ET Q q 0 0 0 rg BT 255.03 166.10 Td (can ) Tj ET Q q 0 0 0 rg BT 271.08 166.10 Td (successfully ) Tj ET Q q 0 0 0 rg BT 322.13 166.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 358.18 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 372.01 166.10 Td (trust, ) Tj ET Q q 0 0 0 rg BT 394.47 166.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 416.08 166.10 Td (management ) Tj ET Q q 0 0 0 rg BT 469.34 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.96 166.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 528.11 166.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.77 154.10 Td (of) Tj ET Q q 0 0 0 rg BT 70.92 154.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 97.57 154.10 Td (personalized ) Tj ET Q q 0 0 0 rg BT 150.88 154.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 188.64 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.85 154.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 245.28 154.10 Td (service ) Tj ET Q q 0 0 0 rg BT 276.37 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.92 154.10 Td (small ) Tj ET Q q 0 0 0 rg BT 311.35 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.90 154.10 Td (midsize ) Tj ET Q q 0 0 0 rg BT 355.78 154.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 400.77 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.99 154.10 Td (af) Tj ET Q q 0 0 0 rg BT 425.57 154.10 Td (fluent ) Tj ET Q q 0 0 0 rg BT 451.67 154.10 Td (individuals. ) Tj ET Q q 0 0 0 rg BT 501.19 154.10 Td (W) Tj ET Q q 0 0 0 rg BT 509.82 154.10 Td (e ) Tj ET Q q 0 0 0 rg BT 517.03 154.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 554.24 154.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (recruit ) Tj ET Q q 0 0 0 rg BT 78.18 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.70 142.10 Td (hire ) Tj ET Q q 0 0 0 rg BT 112.33 142.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 162.72 142.10 Td (professionals ) Tj ET Q q 0 0 0 rg BT 217.57 142.10 Td (from ) Tj ET Q q 0 0 0 rg BT 239.10 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.40 142.10 Td (lar) Tj ET Q q 0 0 0 rg BT 263.76 142.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 278.62 142.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 314.03 142.10 Td (area ) Tj ET Q q 0 0 0 rg BT 332.76 142.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 361.50 142.10 Td (management ) Tj ET Q q 0 0 0 rg BT 414.67 142.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 462.02 142.10 Td (which ) Tj ET Q q 0 0 0 rg BT 488.54 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 497.30 142.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 534.92 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 544.78 142.10 Td (help ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 130.10 Td (attracting ) Tj ET Q q 0 0 0 rg BT 100.54 130.10 Td (new ) Tj ET Q q 0 0 0 rg BT 119.70 130.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 158.85 130.10 Td (relationships.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 103.70 Td (Supervision and Regulation) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 82.70 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.18 61.70 Td (business ) Tj ET Q q 0 0 0 rg BT 104.70 61.70 Td (is ) Tj ET Q q 0 0 0 rg BT 114.00 61.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 144.96 61.70 Td (to ) Tj ET Q q 0 0 0 rg BT 155.36 61.70 Td (extensive ) Tj ET Q q 0 0 0 rg BT 195.76 61.70 Td (regulation ) Tj ET Q q 0 0 0 rg BT 238.93 61.70 Td (and ) Tj ET Q q 0 0 0 rg BT 256.00 61.70 Td (supervision ) Tj ET Q q 0 0 0 rg BT 304.73 61.70 Td (under ) Tj ET Q q 0 0 0 rg BT 330.13 61.70 Td (federal ) Tj ET Q q 0 0 0 rg BT 360.52 61.70 Td (and ) Tj ET Q q 0 0 0 rg BT 377.58 61.70 Td (state ) Tj ET Q q 0 0 0 rg BT 398.54 61.70 Td (laws ) Tj ET Q q 0 0 0 rg BT 419.50 61.70 Td (and ) Tj ET Q q 0 0 0 rg BT 436.56 61.70 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 486.13 61.70 Td ( ) Tj ET Q q 0 0 0 rg BT 488.57 61.70 Td (The ) Tj ET Q q 0 0 0 rg BT 506.74 61.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 548.26 61.70 Td (is ) Tj ET Q q 0 0 0 rg BT 557.56 61.70 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 49.70 Td (bank ) Tj ET Q q 0 0 0 rg BT 73.06 49.70 Td (holding ) Tj ET Q q 0 0 0 rg BT 107.23 49.70 Td (company ) Tj ET Q q 0 0 0 rg BT 147.50 49.70 Td (under ) Tj ET Q q 0 0 0 rg BT 173.89 49.70 Td (the ) Tj ET Q q 0 0 0 rg BT 189.72 49.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 214.45 49.70 Td (Holding ) Tj ET Q q 0 0 0 rg BT 250.84 49.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 292.55 49.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 310.60 49.70 Td (of ) Tj ET Q q 0 0 0 rg BT 322.55 49.70 Td (1956, ) Tj ET Q q 0 0 0 rg BT 348.67 49.70 Td (as ) Tj ET Q q 0 0 0 rg BT 360.62 49.70 Td (amended ) Tj ET Q q 0 0 0 rg BT 400.33 49.70 Td (\(the ) Tj ET Q q 0 0 0 rg BT 419.49 49.70 Td (BHC ) Tj ET Q q 0 0 0 rg BT 447.31 49.70 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 475.63 49.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 507.58 49.70 Td (to ) Tj ET Q q 0 0 0 rg BT 518.97 49.70 Td (regulation, ) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (8) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 100.41 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.65 742.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 167.88 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 179.68 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.70 742.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 225.48 742.10 Td (Reserve. ) Tj ET Q q 0 0 0 rg BT 261.99 742.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 279.34 742.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 322.25 742.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 347.38 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 361.39 742.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 391.52 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.10 742.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 445.94 742.10 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 496.35 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.59 742.10 Td (examination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.27 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.75 730.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 110.33 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 128.59 730.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 161.84 730.10 Td (their ) Tj ET Q q 0 0 0 rg BT 183.43 730.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 218.91 730.10 Td (charters: ) Tj ET Q q 0 0 0 rg BT 256.60 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 259.87 730.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 274.79 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.28 730.10 Td (OCC ) Tj ET Q q 0 0 0 rg BT 314.10 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 329.03 730.10 Td (Barrington ) Tj ET Q q 0 0 0 rg BT 375.62 730.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 402.50 730.10 Td (Crystal ) Tj ET Q q 0 0 0 rg BT 434.65 730.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 457.90 730.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 484.77 730.10 Td (Schaumbur) Tj ET Q q 0 0 0 rg BT 530.14 730.10 Td (g ) Tj ET Q q 0 0 0 rg BT 538.40 730.10 Td (Bank, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Beverly ) Tj ET Q q 0 0 0 rg BT 83.21 718.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 105.87 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 121.86 718.10 Td (Old ) Tj ET Q q 0 0 0 rg BT 138.41 718.10 Td (Plank ) Tj ET Q q 0 0 0 rg BT 162.63 718.10 Td (T) Tj ET Q q 0 0 0 rg BT 168.39 718.10 Td (rail ) Tj ET Q q 0 0 0 rg BT 183.27 718.10 Td (Bank; ) Tj ET Q q 0 0 0 rg BT 208.71 718.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 221.92 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.69 718.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 265.58 718.10 Td (Secretary ) Tj ET Q q 0 0 0 rg BT 304.88 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 318.10 718.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 339.63 718.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 366.19 718.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 391.35 718.10 Td (Hinsdale ) Tj ET Q q 0 0 0 rg BT 428.45 718.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 453.50 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 462.53 718.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 489.64 718.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 514.80 718.10 Td (Libertyville ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 76.84 706.10 Td (Northbrook ) Tj ET Q q 0 0 0 rg BT 126.72 706.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 153.33 706.10 Td (V) Tj ET Q q 0 0 0 rg BT 159.95 706.10 Td (illage ) Tj ET Q q 0 0 0 rg BT 185.39 706.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 211.99 706.10 Td (Wheaton ) Tj ET Q q 0 0 0 rg BT 251.31 706.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 278.15 706.10 Td (State ) Tj ET Q q 0 0 0 rg BT 301.37 706.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 325.71 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.26 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.71 706.10 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 379.81 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.48 706.10 Td (St. ) Tj ET Q q 0 0 0 rg BT 411.54 706.10 Td (Charles ) Tj ET Q q 0 0 0 rg BT 445.32 706.10 Td (Bank; ) Tj ET Q q 0 0 0 rg BT 472.43 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.10 706.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 504.99 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.20 706.10 Td (W) Tj ET Q q 0 0 0 rg BT 529.24 706.10 Td (isconsin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 99.08 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.48 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 117.89 694.10 Td (own ) Tj ET Q q 0 0 0 rg BT 136.99 694.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 162.48 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.36 694.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 181.79 694.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 212.01 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.19 694.10 Td (W) Tj ET Q q 0 0 0 rg BT 237.22 694.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 271.88 694.10 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 332.61 694.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 353.93 694.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 403.02 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 417.11 694.10 Td (also ) Tj ET Q q 0 0 0 rg BT 435.09 694.10 Td (members ) Tj ET Q q 0 0 0 rg BT 473.63 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.84 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.93 694.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 529.80 694.10 Td (Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (System, ) Tj ET Q q 0 0 0 rg BT 84.15 682.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 114.67 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.65 682.10 Td (supervision ) Tj ET Q q 0 0 0 rg BT 172.96 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.60 682.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 232.34 682.10 Td (by ) Tj ET Q q 0 0 0 rg BT 244.54 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.96 682.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 291.14 682.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 325.55 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 336.08 682.10 Td (their ) Tj ET Q q 0 0 0 rg BT 356.60 682.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 390.46 682.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 420.41 682.10 Td (regulator) Tj ET Q q 0 0 0 rg BT 455.95 682.10 Td (. ) Tj ET Q q 0 0 0 rg BT 460.65 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 462.69 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 480.44 682.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 515.42 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.95 682.10 Td (all ) Tj ET Q q 0 0 0 rg BT 538.14 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 682.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 94.10 670.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 120.41 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 135.61 670.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 168.03 670.10 Td (by ) Tj ET Q q 0 0 0 rg BT 181.02 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.22 670.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 230.32 670.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 272.17 670.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 295.72 670.10 Td (\(DIF\) ) Tj ET Q q 0 0 0 rg BT 330.36 670.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 350.29 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 361.60 670.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 385.42 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.63 670.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 426.40 670.10 Td (has ) Tj ET Q q 0 0 0 rg BT 442.71 670.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 485.69 670.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 525.90 670.10 Td (authority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (over ) Tj ET Q q 0 0 0 rg BT 70.21 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.87 658.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 113.15 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 115.41 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 133.40 658.10 Td (supervision, ) Tj ET Q q 0 0 0 rg BT 184.46 658.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 227.44 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.33 658.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 296.20 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.97 658.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 332.75 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 349.63 658.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 371.51 658.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 404.51 658.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 449.72 658.10 Td (by ) Tj ET Q q 0 0 0 rg BT 462.16 658.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 484.04 658.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 527.58 658.10 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 65.01 646.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 102.24 646.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 142.25 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 156.71 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.73 646.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 215.07 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.20 646.10 Td (depositors, ) Tj ET Q q 0 0 0 rg BT 272.61 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.63 646.10 Td (DIF) Tj ET Q q 0 0 0 rg BT 302.94 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 308.24 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.48 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.50 646.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 375.52 646.10 Td (system ) Tj ET Q q 0 0 0 rg BT 406.09 646.10 Td (as ) Tj ET Q q 0 0 0 rg BT 417.22 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 424.46 646.10 Td (whole, ) Tj ET Q q 0 0 0 rg BT 454.20 646.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 480.32 646.10 Td (than ) Tj ET Q q 0 0 0 rg BT 500.33 646.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 553.67 646.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.83 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.77 634.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 114.71 634.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 147.76 634.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 195.53 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.47 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 222.74 634.10 Td (some ) Tj ET Q q 0 0 0 rg BT 246.35 634.10 Td (instances ) Tj ET Q q 0 0 0 rg BT 285.51 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 305.22 634.10 Td (be ) Tj ET Q q 0 0 0 rg BT 317.16 634.10 Td (contrary ) Tj ET Q q 0 0 0 rg BT 352.98 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.26 634.10 Td (their ) Tj ET Q q 0 0 0 rg BT 384.08 634.10 Td (interests.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.79 613.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 107.79 613.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 157.25 613.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 196.68 613.10 Td (are ) Tj ET Q q 0 0 0 rg BT 211.13 613.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 241.69 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.70 613.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 294.48 613.10 Td (by ) Tj ET Q q 0 0 0 rg BT 306.72 613.10 Td (their ) Tj ET Q q 0 0 0 rg BT 327.28 613.10 Td (functional ) Tj ET Q q 0 0 0 rg BT 370.06 613.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 414.78 613.10 Td (including ) Tj ET Q q 0 0 0 rg BT 454.79 613.10 Td (state ) Tj ET Q q 0 0 0 rg BT 475.35 613.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 507.01 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.69 613.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 89.42 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.14 601.10 Td (SEC, ) Tj ET Q q 0 0 0 rg BT 127.48 601.10 Td (FINRA, ) Tj ET Q q 0 0 0 rg BT 162.49 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.20 601.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 213.03 601.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 238.31 601.10 Td (Exchange, ) Tj ET Q q 0 0 0 rg BT 282.73 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.45 601.10 Td (OCC, ) Tj ET Q q 0 0 0 rg BT 323.01 601.10 Td (as ) Tj ET Q q 0 0 0 rg BT 333.84 601.10 Td (well ) Tj ET Q q 0 0 0 rg BT 353.55 601.10 Td (as ) Tj ET Q q 0 0 0 rg BT 364.38 601.10 Td (by ) Tj ET Q q 0 0 0 rg BT 376.88 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.60 601.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 424.09 601.10 Td (Reserve.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.52 580.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 106.91 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.99 580.10 Td (state ) Tj ET Q q 0 0 0 rg BT 144.95 580.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 168.42 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.50 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.35 580.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 247.43 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.40 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.25 580.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 295.33 580.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 339.06 580.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 376.13 580.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 403.76 580.10 Td (under ) Tj ET Q q 0 0 0 rg BT 429.17 580.10 Td (them, ) Tj ET Q q 0 0 0 rg BT 454.31 580.10 Td (af) Tj ET Q q 0 0 0 rg BT 461.89 580.10 Td (fect, ) Tj ET Q q 0 0 0 rg BT 482.02 580.10 Td (among ) Tj ET Q q 0 0 0 rg BT 511.88 580.10 Td (other ) Tj ET Q q 0 0 0 rg BT 535.06 580.10 Td (things, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.44 568.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 91.43 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.98 568.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 142.59 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.03 568.10 Td (kinds ) Tj ET Q q 0 0 0 rg BT 182.92 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.58 568.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 237.69 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.24 568.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 300.24 568.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 326.79 568.10 Td (may ) Tj ET Q q 0 0 0 rg BT 347.23 568.10 Td (make, ) Tj ET Q q 0 0 0 rg BT 374.61 568.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 406.70 568.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 464.62 568.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 494.49 568.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 521.04 568.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 554.24 568.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 97.43 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.93 556.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 141.19 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.91 556.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 192.19 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.79 556.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 244.27 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.21 556.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 286.10 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.59 556.10 Td (establishment ) Tj ET Q q 0 0 0 rg BT 359.86 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.47 556.10 Td (branches, ) Tj ET Q q 0 0 0 rg BT 412.79 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.28 556.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 457.11 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.17 556.10 Td (mer) Tj ET Q q 0 0 0 rg BT 483.54 556.10 Td (ge, ) Tj ET Q q 0 0 0 rg BT 498.75 556.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 547.57 556.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (acquire, ) Tj ET Q q 0 0 0 rg BT 83.61 544.10 Td (dealings ) Tj ET Q q 0 0 0 rg BT 118.61 544.10 Td (with ) Tj ET Q q 0 0 0 rg BT 138.07 544.10 Td (insiders ) Tj ET Q q 0 0 0 rg BT 170.86 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.98 544.10 Td (af) Tj ET Q q 0 0 0 rg BT 194.57 544.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 223.47 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.59 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.49 544.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 289.60 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.61 544.10 Td (dividends. ) Tj ET Q q 0 0 0 rg BT 342.56 544.10 Td (The ) Tj ET Q q 0 0 0 rg BT 359.79 544.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 402.57 544.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 438.67 544.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 477.56 544.10 Td (have ) Tj ET Q q 0 0 0 rg BT 498.12 544.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 522.57 544.10 Td (discretion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.49 532.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 92.09 532.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 139.23 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.38 532.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 201.87 532.10 Td (on ) Tj ET Q q 0 0 0 rg BT 214.58 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.51 532.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 273.88 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.92 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 292.07 532.10 Td (regulated ) Tj ET Q q 0 0 0 rg BT 331.98 532.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 357.47 532.10 Td (where ) Tj ET Q q 0 0 0 rg BT 384.61 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.54 532.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 436.67 532.10 Td (determine, ) Tj ET Q q 0 0 0 rg BT 481.86 532.10 Td (among ) Tj ET Q q 0 0 0 rg BT 511.79 532.10 Td (other ) Tj ET Q q 0 0 0 rg BT 535.05 532.10 Td (things, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (that ) Tj ET Q q 0 0 0 rg BT 66.37 520.10 Td (such ) Tj ET Q q 0 0 0 rg BT 86.07 520.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 129.09 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 142.67 520.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 170.14 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 179.84 520.10 Td (unsound, ) Tj ET Q q 0 0 0 rg BT 217.61 520.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 232.30 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 241.45 520.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 272.82 520.10 Td (with ) Tj ET Q q 0 0 0 rg BT 291.97 520.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 334.43 520.10 Td (law ) Tj ET Q q 0 0 0 rg BT 350.24 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 359.94 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 373.52 520.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 413.76 520.10 Td (inconsistent ) Tj ET Q q 0 0 0 rg BT 462.91 520.10 Td (with ) Tj ET Q q 0 0 0 rg BT 482.06 520.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 501.76 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.57 520.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 508.10 Td (with ) Tj ET Q q 0 0 0 rg BT 81.11 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.83 508.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 144.99 508.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 178.59 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.42 508.10 Td (these ) Tj ET Q q 0 0 0 rg BT 212.47 508.10 Td (agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.49 487.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.31 487.10 Td (is ) Tj ET Q q 0 0 0 rg BT 116.92 487.10 Td (a ) Tj ET Q q 0 0 0 rg BT 123.30 487.10 Td (description ) Tj ET Q q 0 0 0 rg BT 169.68 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.95 487.10 Td (some ) Tj ET Q q 0 0 0 rg BT 202.99 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.26 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.42 487.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 247.69 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.07 487.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 310.44 487.10 Td (that ) Tj ET Q q 0 0 0 rg BT 327.38 487.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 365.41 487.10 Td (af) Tj ET Q q 0 0 0 rg BT 373.00 487.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 389.92 487.10 Td (our ) Tj ET Q q 0 0 0 rg BT 405.19 487.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 443.53 487.10 Td ( ) Tj ET Q q 0 0 0 rg BT 445.47 487.10 Td (By ) Tj ET Q q 0 0 0 rg BT 459.08 487.10 Td (necessity) Tj ET Q q 0 0 0 rg BT 495.08 487.10 Td (, ) Tj ET Q q 0 0 0 rg BT 499.52 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.68 487.10 Td (descriptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (below ) Tj ET Q q 0 0 0 rg BT 76.90 475.10 Td (are ) Tj ET Q q 0 0 0 rg BT 91.57 475.10 Td (summaries ) Tj ET Q q 0 0 0 rg BT 137.35 475.10 Td (that ) Tj ET Q q 0 0 0 rg BT 154.81 475.10 Td (do ) Tj ET Q q 0 0 0 rg BT 167.27 475.10 Td (not ) Tj ET Q q 0 0 0 rg BT 182.50 475.10 Td (purport ) Tj ET Q q 0 0 0 rg BT 214.40 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.64 475.10 Td (be ) Tj ET Q q 0 0 0 rg BT 236.54 475.10 Td (complete, ) Tj ET Q q 0 0 0 rg BT 278.15 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.05 475.10 Td (that ) Tj ET Q q 0 0 0 rg BT 312.50 475.10 Td (are ) Tj ET Q q 0 0 0 rg BT 327.17 475.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 365.17 475.10 Td (in ) Tj ET Q q 0 0 0 rg BT 375.41 475.10 Td (their ) Tj ET Q q 0 0 0 rg BT 396.20 475.10 Td (entirety ) Tj ET Q q 0 0 0 rg BT 429.20 475.10 Td (by ) Tj ET Q q 0 0 0 rg BT 441.66 475.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 481.30 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.54 475.10 Td (those ) Tj ET Q q 0 0 0 rg BT 515.11 475.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 547.56 475.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 97.16 463.10 Td (discussed, ) Tj ET Q q 0 0 0 rg BT 140.71 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.88 463.10 Td (all ) Tj ET Q q 0 0 0 rg BT 170.60 463.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 214.41 463.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 274.90 463.10 Td (thereof. ) Tj ET Q q 0 0 0 rg BT 308.44 463.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.16 463.10 Td (In ) Tj ET Q q 0 0 0 rg BT 322.22 463.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 349.37 463.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 375.69 463.10 Td (lawmakers ) Tj ET Q q 0 0 0 rg BT 421.73 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.89 463.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 481.60 463.10 Td (have ) Tj ET Q q 0 0 0 rg BT 503.20 463.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 543.68 463.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 74.99 451.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.32 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.87 451.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 142.18 451.10 Td (services ) Tj ET Q q 0 0 0 rg BT 177.71 451.10 Td (industry) Tj ET Q q 0 0 0 rg BT 209.84 451.10 Td (. ) Tj ET Q q 0 0 0 rg BT 215.67 451.10 Td ( ) Tj ET Q q 0 0 0 rg BT 218.27 451.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 264.37 451.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 299.91 451.10 Td (in ) Tj ET Q q 0 0 0 rg BT 311.02 451.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 355.44 451.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 379.60 451.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 429.86 451.10 Td (or ) Tj ET Q q 0 0 0 rg BT 441.52 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.07 451.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 518.16 451.10 Td (thereof ) Tj ET Q q 0 0 0 rg BT 549.80 451.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (possible, ) Tj ET Q q 0 0 0 rg BT 87.78 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.72 439.10 Td (could ) Tj ET Q q 0 0 0 rg BT 129.43 439.10 Td (have ) Tj ET Q q 0 0 0 rg BT 150.81 439.10 Td (a ) Tj ET Q q 0 0 0 rg BT 157.75 439.10 Td (material ) Tj ET Q q 0 0 0 rg BT 193.01 439.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 226.04 439.10 Td (ef) Tj ET Q q 0 0 0 rg BT 233.63 439.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 251.12 439.10 Td (on ) Tj ET Q q 0 0 0 rg BT 263.62 439.10 Td (our ) Tj ET Q q 0 0 0 rg BT 279.45 439.10 Td (business ) Tj ET Q q 0 0 0 rg BT 315.84 439.10 Td (or ) Tj ET Q q 0 0 0 rg BT 326.67 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.39 439.10 Td (business ) Tj ET Q q 0 0 0 rg BT 377.78 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.61 439.10 Td (our ) Tj ET Q q 0 0 0 rg BT 404.44 439.10 Td (subsidiaries.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.05 418.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 108.33 418.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 149.16 418.10 Td (Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 397.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.09 397.10 Td (is ) Tj ET Q q 0 0 0 rg BT 119.59 397.10 Td (a ) Tj ET Q q 0 0 0 rg BT 126.86 397.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 149.12 397.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 182.51 397.10 Td (company ) Tj ET Q q 0 0 0 rg BT 221.99 397.10 Td (that ) Tj ET Q q 0 0 0 rg BT 239.82 397.10 Td (has ) Tj ET Q q 0 0 0 rg BT 255.98 397.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 287.11 397.10 Td (to ) Tj ET Q q 0 0 0 rg BT 297.72 397.10 Td (be ) Tj ET Q q 0 0 0 rg BT 309.99 397.10 Td (treated ) Tj ET Q q 0 0 0 rg BT 340.02 397.10 Td (by ) Tj ET Q q 0 0 0 rg BT 352.85 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.89 397.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 400.71 397.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 435.74 397.10 Td (as ) Tj ET Q q 0 0 0 rg BT 446.90 397.10 Td (a ) Tj ET Q q 0 0 0 rg BT 454.17 397.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 491.98 397.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 525.36 397.10 Td (company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.69 385.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 101.26 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.62 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.86 385.10 Td (BHC ) Tj ET Q q 0 0 0 rg BT 148.00 385.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 166.82 385.10 Td (The ) Tj ET Q q 0 0 0 rg BT 184.39 385.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 222.51 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.87 385.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 254.33 385.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 286.92 385.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 331.70 385.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 370.93 385.10 Td (are ) Tj ET Q q 0 0 0 rg BT 385.16 385.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 415.52 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.32 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.57 385.10 Td (business ) Tj ET Q q 0 0 0 rg BT 475.48 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.84 385.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 522.58 385.10 Td (managing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.80 373.10 Td (controlling ) Tj ET Q q 0 0 0 rg BT 107.16 373.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 135.46 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.37 373.10 Td (other ) Tj ET Q q 0 0 0 rg BT 175.39 373.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 213.96 373.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 261.41 373.10 Td (by ) Tj ET Q q 0 0 0 rg BT 273.88 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.57 373.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 321.03 373.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 358.21 373.10 Td (by ) Tj ET Q q 0 0 0 rg BT 370.68 373.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 413.70 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 424.50 373.10 Td (order ) Tj ET Q q 0 0 0 rg BT 448.07 373.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 469.98 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.23 373.10 Td (November ) Tj ET Q q 0 0 0 rg BT 524.91 373.10 Td (1) Tj ET Q q 0 0 0 rg BT 529.54 373.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 539.51 373.10 Td (1999, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.62 361.10 Td (be ) Tj ET Q q 0 0 0 rg BT 72.90 361.10 Td (so ) Tj ET Q q 0 0 0 rg BT 84.63 361.10 Td (closely ) Tj ET Q q 0 0 0 rg BT 115.80 361.10 Td (related ) Tj ET Q q 0 0 0 rg BT 145.84 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.46 361.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 191.52 361.10 Td (as ) Tj ET Q q 0 0 0 rg BT 202.69 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.31 361.10 Td (be ) Tj ET Q q 0 0 0 rg BT 225.59 361.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.87 361.10 Td (proper ) Tj ET Q q 0 0 0 rg BT 261.80 361.10 Td (incident ) Tj ET Q q 0 0 0 rg BT 296.86 361.10 Td (thereto. ) Tj ET Q q 0 0 0 rg BT 329.96 361.10 Td ( ) Tj ET Q q 0 0 0 rg BT 332.80 361.10 Td (Impermissible ) Tj ET Q q 0 0 0 rg BT 392.86 361.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 431.79 361.10 Td (for ) Tj ET Q q 0 0 0 rg BT 446.30 361.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 468.58 361.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 501.97 361.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 547.58 361.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (their ) Tj ET Q q 0 0 0 rg BT 70.83 349.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 120.54 349.10 Td (include ) Tj ET Q q 0 0 0 rg BT 152.48 349.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 191.07 349.10 Td (that ) Tj ET Q q 0 0 0 rg BT 208.57 349.10 Td (are ) Tj ET Q q 0 0 0 rg BT 223.28 349.10 Td (related ) Tj ET Q q 0 0 0 rg BT 252.98 349.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.26 349.10 Td (commerce, ) Tj ET Q q 0 0 0 rg BT 309.90 349.10 Td (such ) Tj ET Q q 0 0 0 rg BT 330.73 349.10 Td (as ) Tj ET Q q 0 0 0 rg BT 341.56 349.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 364.60 349.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 386.54 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 397.37 349.10 Td (nonfinancial ) Tj ET Q q 0 0 0 rg BT 449.85 349.10 Td (products ) Tj ET Q q 0 0 0 rg BT 486.79 349.10 Td (or ) Tj ET Q q 0 0 0 rg BT 497.62 349.10 Td (manufacturing.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.68 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 70.68 328.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 108.23 328.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 141.35 328.10 Td (company) Tj ET Q q 0 0 0 rg BT 177.35 328.10 Td (, ) Tj ET Q q 0 0 0 rg BT 182.42 328.10 Td (we ) Tj ET Q q 0 0 0 rg BT 196.64 328.10 Td (may ) Tj ET Q q 0 0 0 rg BT 216.43 328.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 247.31 328.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.65 328.10 Td (an ) Tj ET Q q 0 0 0 rg BT 269.65 328.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 310.53 328.10 Td (range ) Tj ET Q q 0 0 0 rg BT 335.31 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.20 328.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 387.36 328.10 Td (including ) Tj ET Q q 0 0 0 rg BT 427.70 328.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 468.03 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.03 328.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 525.92 328.10 Td (activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 93.52 316.10 Td (as ) Tj ET Q q 0 0 0 rg BT 104.28 316.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 128.36 316.10 Td (or ) Tj ET Q q 0 0 0 rg BT 139.12 316.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 177.09 316.10 Td (that ) Tj ET Q q 0 0 0 rg BT 194.52 316.10 Td (are ) Tj ET Q q 0 0 0 rg BT 209.15 316.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 254.89 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.10 316.10 Td (be ) Tj ET Q q 0 0 0 rg BT 276.97 316.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 314.38 316.10 Td (in ) Tj ET Q q 0 0 0 rg BT 324.58 316.10 Td (nature. ) Tj ET Q q 0 0 0 rg BT 354.50 316.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 393.52 316.10 Td (, ) Tj ET Q q 0 0 0 rg BT 398.45 316.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 435.86 316.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 468.85 316.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 514.04 316.10 Td (may ) Tj ET Q q 0 0 0 rg BT 533.68 316.10 Td (engage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 61.00 304.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 100.31 304.10 Td (incidental ) Tj ET Q q 0 0 0 rg BT 142.96 304.10 Td (or ) Tj ET Q q 0 0 0 rg BT 154.50 304.10 Td (complementary ) Tj ET Q q 0 0 0 rg BT 219.92 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.91 304.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 269.11 304.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 310.92 304.10 Td (if ) Tj ET Q q 0 0 0 rg BT 320.25 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.68 304.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 368.89 304.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 404.31 304.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 451.40 304.10 Td (that ) Tj ET Q q 0 0 0 rg BT 469.61 304.10 Td (such ) Tj ET Q q 0 0 0 rg BT 491.16 304.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 530.47 304.10 Td (pose ) Tj ET Q q 0 0 0 rg BT 552.02 304.10 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 95.18 292.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 112.59 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 122.77 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.39 292.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 163.68 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.41 292.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 217.93 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.67 292.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 273.29 292.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 320.15 292.10 Td (or ) Tj ET Q q 0 0 0 rg BT 330.89 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.51 292.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 382.90 292.10 Td (system ) Tj ET Q q 0 0 0 rg BT 413.08 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.27 292.10 Td (general. ) Tj ET Q q 0 0 0 rg BT 457.60 292.10 Td ( ) Tj ET Q q 0 0 0 rg BT 460.00 292.10 Td (Maintaining ) Tj ET Q q 0 0 0 rg BT 511.29 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 527.03 292.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.24 280.10 Td (company ) Tj ET Q q 0 0 0 rg BT 120.58 280.10 Td (status ) Tj ET Q q 0 0 0 rg BT 145.04 280.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 178.93 280.10 Td (that ) Tj ET Q q 0 0 0 rg BT 195.60 280.10 Td (our ) Tj ET Q q 0 0 0 rg BT 210.62 280.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 253.41 280.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 278.42 280.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 307.86 280.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 382.28 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 398.40 280.10 Td (well-managed ) Tj ET Q q 0 0 0 rg BT 465.60 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 475.61 280.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 507.28 280.10 Td (by ) Tj ET Q q 0 0 0 rg BT 518.96 280.10 Td (regulation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.59 268.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 103.72 268.10 Td (at ) Tj ET Q q 0 0 0 rg BT 113.09 268.10 Td (least ) Tj ET Q q 0 0 0 rg BT 133.56 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 140.15 268.10 Td (satisfactory ) Tj ET Q q 0 0 0 rg BT 197.26 268.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 222.74 268.10 Td (under ) Tj ET Q q 0 0 0 rg BT 247.65 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.02 268.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 311.95 268.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 368.61 268.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 385.20 268.10 Td (\(CRA\). ) Tj ET Q q 0 0 0 rg BT 425.94 268.10 Td (In ) Tj ET Q q 0 0 0 rg BT 436.42 268.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 473.84 268.10 Td (under ) Tj ET Q q 0 0 0 rg BT 498.76 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.12 268.10 Td (Dodd-Frank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 256.10 Td (all ) Tj ET Q q 0 0 0 rg BT 71.18 256.10 Td (Street ) Tj ET Q q 0 0 0 rg BT 97.06 256.10 Td (Reform ) Tj ET Q q 0 0 0 rg BT 130.16 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.15 256.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 190.81 256.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 233.90 256.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 250.89 256.10 Td (\(Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 309.53 256.10 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 336.79 256.10 Td (we ) Tj ET Q q 0 0 0 rg BT 351.00 256.10 Td (must ) Tj ET Q q 0 0 0 rg BT 373.00 256.10 Td (also ) Tj ET Q q 0 0 0 rg BT 391.66 256.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 421.97 256.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 488.38 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 505.37 256.10 Td (well-managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.37 244.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 97.95 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 113.87 244.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 151.44 244.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 184.58 244.10 Td (company ) Tj ET Q q 0 0 0 rg BT 223.83 244.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 251.69 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 254.28 244.10 Td (If ) Tj ET Q q 0 0 0 rg BT 263.53 244.10 Td (we ) Tj ET Q q 0 0 0 rg BT 277.78 244.10 Td (or ) Tj ET Q q 0 0 0 rg BT 288.70 244.10 Td (our ) Tj ET Q q 0 0 0 rg BT 304.62 244.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 348.32 244.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 374.24 244.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 390.15 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 400.52 244.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 437.54 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 447.91 244.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 469.94 244.10 Td (these ) Tj ET Q q 0 0 0 rg BT 493.07 244.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 550.36 244.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (could ) Tj ET Q q 0 0 0 rg BT 75.00 232.10 Td (be ) Tj ET Q q 0 0 0 rg BT 87.23 232.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 118.34 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.91 232.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 176.13 232.10 Td (on ) Tj ET Q q 0 0 0 rg BT 188.92 232.10 Td (new ) Tj ET Q q 0 0 0 rg BT 208.37 232.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 247.26 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.48 232.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 317.54 232.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 345.88 232.10 Td (be ) Tj ET Q q 0 0 0 rg BT 358.11 232.10 Td (required ) Tj ET Q q 0 0 0 rg BT 394.21 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 404.78 232.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 429.21 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.44 232.10 Td (possibly ) Tj ET Q q 0 0 0 rg BT 482.56 232.10 Td (divest ) Tj ET Q q 0 0 0 rg BT 509.24 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.36 232.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 220.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 101.65 220.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 135.82 220.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 174.41 220.10 Td (that ) Tj ET Q q 0 0 0 rg BT 191.91 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 206.62 220.10 Td (not ) Tj ET Q q 0 0 0 rg BT 221.89 220.10 Td (permissible ) Tj ET Q q 0 0 0 rg BT 270.50 220.10 Td (for ) Tj ET Q q 0 0 0 rg BT 284.66 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 291.60 220.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 313.54 220.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 346.59 220.10 Td (company ) Tj ET Q q 0 0 0 rg BT 385.75 220.10 Td (that ) Tj ET Q q 0 0 0 rg BT 403.24 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 412.41 220.10 Td (not ) Tj ET Q q 0 0 0 rg BT 427.69 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 434.63 220.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 472.11 220.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 505.17 220.10 Td (company) Tj ET Q q 0 0 0 rg BT 541.17 220.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.44 199.10 Td (BHC ) Tj ET Q q 0 0 0 rg BT 89.47 199.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 105.80 199.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 144.90 199.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 178.99 199.10 Td (us ) Tj ET Q q 0 0 0 rg BT 189.78 199.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.45 199.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 226.33 199.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 247.66 199.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 284.54 199.10 Td (from ) Tj ET Q q 0 0 0 rg BT 305.87 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.98 199.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 351.85 199.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 385.95 199.10 Td (before ) Tj ET Q q 0 0 0 rg BT 413.38 199.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 453.03 199.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 477.69 199.10 Td (or ) Tj ET Q q 0 0 0 rg BT 487.91 199.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 520.34 199.10 Td (ownership ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.86 187.10 Td (control ) Tj ET Q q 0 0 0 rg BT 91.71 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.56 187.10 Td (more ) Tj ET Q q 0 0 0 rg BT 125.64 187.10 Td (than ) Tj ET Q q 0 0 0 rg BT 145.38 187.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 161.23 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.09 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.83 187.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 214.92 187.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 242.43 187.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 255.79 187.10 Td (or ) Tj ET Q q 0 0 0 rg BT 266.64 187.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 319.72 187.10 Td (all ) Tj ET Q q 0 0 0 rg BT 332.24 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.98 187.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 372.84 187.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 386.20 187.10 Td (a ) Tj ET Q q 0 0 0 rg BT 393.16 187.10 Td (new ) Tj ET Q q 0 0 0 rg BT 412.35 187.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 436.81 187.10 Td (or ) Tj ET Q q 0 0 0 rg BT 447.67 187.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.97 187.10 Td (mer) Tj ET Q q 0 0 0 rg BT 473.34 187.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 485.30 187.10 Td (or ) Tj ET Q q 0 0 0 rg BT 496.16 187.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 544.23 187.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (another ) Tj ET Q q 0 0 0 rg BT 82.55 175.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 104.56 175.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 137.69 175.10 Td (company) Tj ET Q q 0 0 0 rg BT 173.69 175.10 Td (. ) Tj ET Q q 0 0 0 rg BT 178.19 175.10 Td (As ) Tj ET Q q 0 0 0 rg BT 191.87 175.10 Td (a ) Tj ET Q q 0 0 0 rg BT 198.88 175.10 Td (result ) Tj ET Q q 0 0 0 rg BT 223.67 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.56 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.35 175.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 300.23 175.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 319.74 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.53 175.10 Td (BHC ) Tj ET Q q 0 0 0 rg BT 357.09 175.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 374.10 175.10 Td (also ) Tj ET Q q 0 0 0 rg BT 392.77 175.10 Td (now ) Tj ET Q q 0 0 0 rg BT 412.56 175.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 447.34 175.10 Td (us ) Tj ET Q q 0 0 0 rg BT 458.80 175.10 Td (to ) Tj ET Q q 0 0 0 rg BT 469.14 175.10 Td (be ) Tj ET Q q 0 0 0 rg BT 481.15 175.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 547.57 175.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (well-managed, ) Tj ET Q q 0 0 0 rg BT 110.74 163.10 Td (as ) Tj ET Q q 0 0 0 rg BT 120.67 163.10 Td (opposed ) Tj ET Q q 0 0 0 rg BT 155.60 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.98 163.10 Td (merely ) Tj ET Q q 0 0 0 rg BT 194.35 163.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 239.26 163.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 284.16 163.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.20 163.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 345.11 163.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 382.81 163.10 Td (as ) Tj ET Q q 0 0 0 rg BT 392.74 163.10 Td (was ) Tj ET Q q 0 0 0 rg BT 409.89 163.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 453.71 163.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 491.12 163.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.50 163.10 Td (order ) Tj ET Q q 0 0 0 rg BT 523.20 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.58 163.10 Td (acquire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.32 151.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 79.64 151.10 Td (located ) Tj ET Q q 0 0 0 rg BT 111.40 151.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 143.17 151.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.38 151.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.60 151.10 Td (home ) Tj ET Q q 0 0 0 rg BT 195.70 151.10 Td (state. ) Tj ET Q q 0 0 0 rg BT 219.40 151.10 Td ( ) Tj ET Q q 0 0 0 rg BT 221.65 151.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 271.55 151.10 Td (, ) Tj ET Q q 0 0 0 rg BT 276.94 151.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 308.15 151.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.81 151.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 348.89 151.10 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 397.04 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.14 151.10 Td (BHC ) Tj ET Q q 0 0 0 rg BT 434.95 151.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 452.27 151.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 492.36 151.10 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 530.80 151.10 Td (us ) Tj ET Q q 0 0 0 rg BT 542.57 151.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 90.54 139.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 116.08 139.10 Td (or ) Tj ET Q q 0 0 0 rg BT 127.18 139.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 160.50 139.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 204.93 139.10 Td (or ) Tj ET Q q 0 0 0 rg BT 216.04 139.10 Td (control ) Tj ET Q q 0 0 0 rg BT 247.14 139.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.24 139.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 286.58 139.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 314.34 139.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.45 139.10 Td (any ) Tj ET Q q 0 0 0 rg BT 342.66 139.10 Td (company ) Tj ET Q q 0 0 0 rg BT 382.09 139.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 418.18 139.10 Td (in ) Tj ET Q q 0 0 0 rg BT 428.73 139.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 467.61 139.10 Td (that ) Tj ET Q q 0 0 0 rg BT 485.38 139.10 Td (are ) Tj ET Q q 0 0 0 rg BT 500.36 139.10 Td (not ) Tj ET Q q 0 0 0 rg BT 515.91 139.10 Td (permissible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 127.10 Td (us ) Tj ET Q q 0 0 0 rg BT 75.55 127.10 Td (to ) Tj ET Q q 0 0 0 rg BT 85.83 127.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 116.65 127.10 Td (in.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.43 106.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 101.30 106.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 135.29 106.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 176.40 106.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 193.72 106.10 Td (\(FDIA\), ) Tj ET Q q 0 0 0 rg BT 237.98 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 249.19 106.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 288.16 106.10 Td (by ) Tj ET Q q 0 0 0 rg BT 301.05 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.15 106.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 367.27 106.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 387.09 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.42 106.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 437.28 106.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 472.37 106.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 519.69 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.01 106.10 Td (policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (require ) Tj ET Q q 0 0 0 rg BT 80.81 94.10 Td (us ) Tj ET Q q 0 0 0 rg BT 92.20 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.48 94.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 126.07 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 136.90 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 143.84 94.10 Td (source ) Tj ET Q q 0 0 0 rg BT 172.43 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.26 94.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 220.74 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.68 94.10 Td (managerial ) Tj ET Q q 0 0 0 rg BT 284.59 94.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 319.31 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 333.46 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 349.29 94.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 392.90 94.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 421.23 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.16 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.44 94.10 Td (commit ) Tj ET Q q 0 0 0 rg BT 481.49 94.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 521.74 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.02 94.10 Td (support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 82.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 92.87 82.10 Td (This ) Tj ET Q q 0 0 0 rg BT 113.14 82.10 Td (support ) Tj ET Q q 0 0 0 rg BT 145.64 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 165.36 82.10 Td (be ) Tj ET Q q 0 0 0 rg BT 177.30 82.10 Td (required ) Tj ET Q q 0 0 0 rg BT 213.12 82.10 Td (even ) Tj ET Q q 0 0 0 rg BT 234.49 82.10 Td (if ) Tj ET Q q 0 0 0 rg BT 243.10 82.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 268.38 82.10 Td (so ) Tj ET Q q 0 0 0 rg BT 279.77 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 299.49 82.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 340.30 82.10 Td (af) Tj ET Q q 0 0 0 rg BT 347.89 82.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 365.38 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 381.21 82.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 409.26 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.54 82.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 441.47 82.10 Td (other ) Tj ET Q q 0 0 0 rg BT 464.52 82.10 Td (obligations.) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.00 27.67 Td (9) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Acquisitions ) Tj ET Q q 0 0 0 rg BT 101.94 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.22 742.10 Td (Ownership) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (Acquisitions ) Tj ET Q q 0 0 0 rg BT 102.93 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.63 721.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.22 721.10 Td (Company) Tj ET Q q 0 0 0 rg BT 169.88 721.10 Td (s ) Tj ET Q q 0 0 0 rg BT 176.15 721.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 204.08 721.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 227.56 721.10 Td (above ) Tj ET Q q 0 0 0 rg BT 253.81 721.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 283.38 721.10 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 326.86 721.10 Td (may ) Tj ET Q q 0 0 0 rg BT 346.45 721.10 Td (be ) Tj ET Q q 0 0 0 rg BT 358.26 721.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 388.96 721.10 Td (to ) Tj ET Q q 0 0 0 rg BT 399.11 721.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 420.92 721.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 464.38 721.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 491.19 721.10 Td (or ) Tj ET Q q 0 0 0 rg BT 501.89 721.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 539.25 721.10 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 93.77 709.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 124.20 709.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.32 709.10 Td (state ) Tj ET Q q 0 0 0 rg BT 162.32 709.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 197.21 709.10 Td (laws. ) Tj ET Q q 0 0 0 rg BT 220.72 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 223.40 709.10 Td (Investors ) Tj ET Q q 0 0 0 rg BT 262.74 709.10 Td (are ) Tj ET Q q 0 0 0 rg BT 277.62 709.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 325.85 709.10 Td (for ) Tj ET Q q 0 0 0 rg BT 340.19 709.10 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 377.30 709.10 Td (that ) Tj ET Q q 0 0 0 rg BT 394.98 709.10 Td (they ) Tj ET Q q 0 0 0 rg BT 414.87 709.10 Td (do ) Tj ET Q q 0 0 0 rg BT 427.55 709.10 Td (not, ) Tj ET Q q 0 0 0 rg BT 445.51 709.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 478.73 709.10 Td (or ) Tj ET Q q 0 0 0 rg BT 489.74 709.10 Td (indirectly) Tj ET Q q 0 0 0 rg BT 527.41 709.10 Td (, ) Tj ET Q q 0 0 0 rg BT 532.59 709.10 Td (acquire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.63 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.59 697.10 Td (our ) Tj ET Q q 0 0 0 rg BT 104.56 697.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 128.31 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.72 697.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 167.46 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.42 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.28 697.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 225.91 697.10 Td (that ) Tj ET Q q 0 0 0 rg BT 243.54 697.10 Td (can ) Tj ET Q q 0 0 0 rg BT 260.05 697.10 Td (be ) Tj ET Q q 0 0 0 rg BT 272.13 697.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 309.19 697.10 Td (without ) Tj ET Q q 0 0 0 rg BT 342.38 697.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 386.11 697.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 423.74 697.10 Td (under ) Tj ET Q q 0 0 0 rg BT 449.14 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.99 697.10 Td (BHC ) Tj ET Q q 0 0 0 rg BT 486.61 697.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 506.19 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.04 697.10 Td (Change ) Tj ET Q q 0 0 0 rg BT 554.22 697.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.61 685.10 Td (Control ) Tj ET Q q 0 0 0 rg BT 106.11 685.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 125.55 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.27 685.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 171.10 685.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 206.94 685.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 223.88 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.63 685.10 Td (W) Tj ET Q q 0 0 0 rg BT 249.67 685.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 284.95 685.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 319.67 685.10 Td (laws.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 96.93 664.10 Td (Reform) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.95 643.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 120.49 643.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 138.34 643.10 Td (strengthened ) Tj ET Q q 0 0 0 rg BT 192.84 643.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.46 643.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 237.42 643.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.16 643.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.78 643.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 295.94 643.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 318.79 643.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 363.29 643.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 401.12 643.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.31 643.10 Td (supervise ) Tj ET Q q 0 0 0 rg BT 453.48 643.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.33 643.10 Td (examine ) Tj ET Q q 0 0 0 rg BT 508.61 643.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.45 643.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 94.21 631.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.09 631.10 Td (their ) Tj ET Q q 0 0 0 rg BT 129.86 631.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 180.91 631.10 Td (The ) Tj ET Q q 0 0 0 rg BT 197.90 631.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 247.91 631.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 263.79 631.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 305.77 631.10 Td (a ) Tj ET Q q 0 0 0 rg BT 311.65 631.10 Td (sweeping ) Tj ET Q q 0 0 0 rg BT 350.86 631.10 Td (reform ) Tj ET Q q 0 0 0 rg BT 379.51 631.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.28 631.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.94 631.10 Td (United ) Tj ET Q q 0 0 0 rg BT 431.60 631.10 Td (States ) Tj ET Q q 0 0 0 rg BT 456.93 631.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 505.04 631.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.92 631.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 97.06 619.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 141.34 619.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.31 619.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 190.48 619.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 238.13 619.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.76 619.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 285.60 619.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 320.45 619.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.42 619.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.83 619.10 Td (wake ) Tj ET Q q 0 0 0 rg BT 371.12 619.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.64 619.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.05 619.10 Td (global ) Tj ET Q q 0 0 0 rg BT 426.24 619.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 464.41 619.10 Td (crisis, ) Tj ET Q q 0 0 0 rg BT 491.21 619.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 521.61 619.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 553.68 619.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.41 607.10 Td (are ) Tj ET Q q 0 0 0 rg BT 90.59 607.10 Td (described ) Tj ET Q q 0 0 0 rg BT 130.87 607.10 Td (below ) Tj ET Q q 0 0 0 rg BT 157.28 607.10 Td (in ) Tj ET Q q 0 0 0 rg BT 167.03 607.10 Td (more ) Tj ET Q q 0 0 0 rg BT 189.55 607.10 Td (detail. ) Tj ET Q q 0 0 0 rg BT 216.23 607.10 Td ( ) Tj ET Q q 0 0 0 rg BT 218.20 607.10 Td (In ) Tj ET Q q 0 0 0 rg BT 228.50 607.10 Td (particular) Tj ET Q q 0 0 0 rg BT 266.41 607.10 Td (, ) Tj ET Q q 0 0 0 rg BT 270.88 607.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.29 607.10 Td (among ) Tj ET Q q 0 0 0 rg BT 316.47 607.10 Td (other ) Tj ET Q q 0 0 0 rg BT 338.99 607.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 367.91 607.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.10 607.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 432.51 607.10 Td (Act: ) Tj ET Q q 0 0 0 rg BT 451.70 607.10 Td (created ) Tj ET Q q 0 0 0 rg BT 482.53 607.10 Td (a ) Tj ET Q q 0 0 0 rg BT 488.94 607.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 528.12 607.10 Td (Stability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 91.22 595.10 Td (Council ) Tj ET Q q 0 0 0 rg BT 124.66 595.10 Td (as ) Tj ET Q q 0 0 0 rg BT 134.77 595.10 Td (part ) Tj ET Q q 0 0 0 rg BT 152.09 595.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.20 595.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.41 595.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 211.28 595.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 248.05 595.10 Td (for ) Tj ET Q q 0 0 0 rg BT 261.48 595.10 Td (identifying ) Tj ET Q q 0 0 0 rg BT 307.14 595.10 Td (emer) Tj ET Q q 0 0 0 rg BT 326.95 595.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 346.50 595.10 Td (systemic ) Tj ET Q q 0 0 0 rg BT 383.28 595.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 403.95 595.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.16 595.10 Td (improving ) Tj ET Q q 0 0 0 rg BT 463.60 595.10 Td (interagency ) Tj ET Q q 0 0 0 rg BT 512.02 595.10 Td (cooperation; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (created ) Tj ET Q q 0 0 0 rg BT 80.37 583.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.09 583.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 136.71 583.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 175.42 583.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 218.03 583.10 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 248.42 583.10 Td (\(CFPB\), ) Tj ET Q q 0 0 0 rg BT 292.42 583.10 Td (which ) Tj ET Q q 0 0 0 rg BT 318.37 583.10 Td (is ) Tj ET Q q 0 0 0 rg BT 326.55 583.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 370.25 583.10 Td (to ) Tj ET Q q 0 0 0 rg BT 379.54 583.10 Td (regulate ) Tj ET Q q 0 0 0 rg BT 413.25 583.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 452.52 583.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.36 583.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 502.74 583.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 529.51 583.10 Td (savings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 87.18 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.36 571.10 Td (other ) Tj ET Q q 0 0 0 rg BT 127.65 571.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 169.27 571.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.99 571.10 Td (products ) Tj ET Q q 0 0 0 rg BT 244.17 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.36 571.10 Td (services; ) Tj ET Q q 0 0 0 rg BT 299.08 571.10 Td (narrowed ) Tj ET Q q 0 0 0 rg BT 339.59 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.55 571.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 380.06 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.13 571.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 421.63 571.10 Td (preemption ) Tj ET Q q 0 0 0 rg BT 469.91 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.99 571.10 Td (state ) Tj ET Q q 0 0 0 rg BT 502.05 571.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 543.67 571.10 Td (laws ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (enjoyed ) Tj ET Q q 0 0 0 rg BT 84.06 559.10 Td (by ) Tj ET Q q 0 0 0 rg BT 96.46 559.10 Td (national ) Tj ET Q q 0 0 0 rg BT 131.08 559.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 156.81 559.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.65 559.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 203.81 559.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 236.22 559.10 Td (associations ) Tj ET Q q 0 0 0 rg BT 286.95 559.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.79 559.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 344.51 559.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.13 559.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 397.63 559.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.37 559.10 Td (state ) Tj ET Q q 0 0 0 rg BT 429.10 559.10 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 468.16 559.10 Td (general ) Tj ET Q q 0 0 0 rg BT 499.98 559.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.17 559.10 Td (bring ) Tj ET Q q 0 0 0 rg BT 533.68 559.10 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.26 547.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 92.71 547.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 122.94 547.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 164.29 547.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 207.31 547.10 Td (legislation; ) Tj ET Q q 0 0 0 rg BT 254.23 547.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 290.59 547.10 Td (more ) Tj ET Q q 0 0 0 rg BT 313.62 547.10 Td (stringent ) Tj ET Q q 0 0 0 rg BT 351.09 547.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 380.21 547.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 434.89 547.10 Td (on ) Tj ET Q q 0 0 0 rg BT 447.37 547.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 469.29 547.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 502.32 547.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 547.56 547.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (subjected ) Tj ET Q q 0 0 0 rg BT 89.29 535.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 118.02 535.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 158.15 535.10 Td (including ) Tj ET Q q 0 0 0 rg BT 197.45 535.10 Td (interstate ) Tj ET Q q 0 0 0 rg BT 235.63 535.10 Td (mer) Tj ET Q q 0 0 0 rg BT 250.99 535.10 Td (gers ) Tj ET Q q 0 0 0 rg BT 269.18 535.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.14 535.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 336.95 535.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.25 535.10 Td (heightened ) Tj ET Q q 0 0 0 rg BT 391.65 535.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 419.83 535.10 Td (conditions; ) Tj ET Q q 0 0 0 rg BT 465.80 535.10 Td (with ) Tj ET Q q 0 0 0 rg BT 485.10 535.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 514.95 535.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.25 535.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 84.96 523.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 99.09 523.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 151.55 523.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 192.33 523.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 247.00 523.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 290.56 523.10 Td (to ) Tj ET Q q 0 0 0 rg BT 300.81 523.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 324.38 523.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 357.39 523.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.86 523.10 Td (1-4 ) Tj ET Q q 0 0 0 rg BT 385.66 523.10 Td (family ) Tj ET Q q 0 0 0 rg BT 414.23 523.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 458.35 523.10 Td (real ) Tj ET Q q 0 0 0 rg BT 475.80 523.10 Td (property) Tj ET Q q 0 0 0 rg BT 509.03 523.10 Td (, ) Tj ET Q q 0 0 0 rg BT 514.00 523.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 528.13 523.10 Td (imposed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (strict ) Tj ET Q q 0 0 0 rg BT 72.25 511.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 93.95 511.10 Td (on ) Tj ET Q q 0 0 0 rg BT 106.21 511.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 146.24 511.10 Td (servicing, ) Tj ET Q q 0 0 0 rg BT 187.65 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.35 511.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 218.27 511.10 Td (required ) Tj ET Q q 0 0 0 rg BT 253.84 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.32 511.10 Td (originator ) Tj ET Q q 0 0 0 rg BT 310.01 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.60 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 327.30 511.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 372.87 511.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 394.85 511.10 Td (or ) Tj ET Q q 0 0 0 rg BT 405.44 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.92 511.10 Td (sponsor ) Tj ET Q q 0 0 0 rg BT 453.29 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.88 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 470.58 511.10 Td (securitization, ) Tj ET Q q 0 0 0 rg BT 529.20 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 539.24 511.10 Td (retain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.52 499.10 Td (least ) Tj ET Q q 0 0 0 rg BT 80.16 499.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 95.79 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.43 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.95 499.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.03 499.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 163.33 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.97 499.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 219.59 499.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 261.88 499.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 289.19 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.72 499.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 349.35 499.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 391.65 499.10 Td (are ) Tj ET Q q 0 0 0 rg BT 406.16 499.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 444.01 499.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 487.97 499.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 531.93 499.10 Td (or ) Tj ET Q q 0 0 0 rg BT 542.57 499.10 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.73 487.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 133.92 487.10 Td (standards; ) Tj ET Q q 0 0 0 rg BT 177.00 487.10 Td (repealed ) Tj ET Q q 0 0 0 rg BT 213.39 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.14 487.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 275.11 487.10 Td (on ) Tj ET Q q 0 0 0 rg BT 287.64 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.39 487.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 339.35 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.21 487.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 382.18 487.10 Td (on ) Tj ET Q q 0 0 0 rg BT 394.71 487.10 Td (business ) Tj ET Q q 0 0 0 rg BT 431.13 487.10 Td (checking ) Tj ET Q q 0 0 0 rg BT 469.76 487.10 Td (accounts; ) Tj ET Q q 0 0 0 rg BT 510.05 487.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 549.78 487.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (interchange ) Tj ET Q q 0 0 0 rg BT 98.46 475.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 116.39 475.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 149.30 475.10 Td (on ) Tj ET Q q 0 0 0 rg BT 161.13 475.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 182.95 475.10 Td (card ) Tj ET Q q 0 0 0 rg BT 201.98 475.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 251.56 475.10 Td (for ) Tj ET Q q 0 0 0 rg BT 265.05 475.10 Td (issuers ) Tj ET Q q 0 0 0 rg BT 294.09 475.10 Td (with ) Tj ET Q q 0 0 0 rg BT 313.70 475.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 330.52 475.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 358.46 475.10 Td (in ) Tj ET Q q 0 0 0 rg BT 368.06 475.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 393.21 475.10 Td (or ) Tj ET Q q 0 0 0 rg BT 403.37 475.10 Td (greater; ) Tj ET Q q 0 0 0 rg BT 435.72 475.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 465.87 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.47 475.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 516.74 475.10 Td (exceptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 93.85 463.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 138.81 463.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 186.01 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.20 463.10 Td (af) Tj ET Q q 0 0 0 rg BT 210.79 463.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 240.74 463.10 Td (from ) Tj ET Q q 0 0 0 rg BT 262.93 463.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 292.88 463.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 343.40 463.10 Td (in, ) Tj ET Q q 0 0 0 rg BT 356.42 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.61 463.10 Td (sponsorship ) Tj ET Q q 0 0 0 rg BT 424.14 463.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 437.71 463.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 464.34 463.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 489.31 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.49 463.10 Td (private ) Tj ET Q q 0 0 0 rg BT 537.00 463.10 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 73.94 451.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.11 451.10 Td (from ) Tj ET Q q 0 0 0 rg BT 111.27 451.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 149.64 451.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.15 451.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 205.29 451.10 Td (trading; ) Tj ET Q q 0 0 0 rg BT 238.12 451.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 275.39 451.10 Td (for ) Tj ET Q q 0 0 0 rg BT 288.77 451.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 328.25 451.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 370.51 451.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.56 451.10 Td (advisers ) Tj ET Q q 0 0 0 rg BT 415.06 451.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.56 451.10 Td (private ) Tj ET Q q 0 0 0 rg BT 454.04 451.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 477.99 451.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.15 451.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.20 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.14 451.10 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (markets; ) Tj ET Q q 0 0 0 rg BT 87.17 439.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 127.66 439.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 167.61 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.68 439.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 204.18 439.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 230.24 439.10 Td (agencies; ) Tj ET Q q 0 0 0 rg BT 270.18 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.35 439.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 331.19 439.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 366.14 439.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 397.19 439.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 452.13 439.10 Td (tied ) Tj ET Q q 0 0 0 rg BT 469.86 439.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.38 439.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 505.88 439.10 Td (ratings. ) Tj ET Q q 0 0 0 rg BT 538.13 439.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 86.92 427.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 121.05 427.10 Td (shifted ) Tj ET Q q 0 0 0 rg BT 150.19 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.34 427.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 207.36 427.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 253.15 427.10 Td (for ) Tj ET Q q 0 0 0 rg BT 266.73 427.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 303.64 427.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 352.52 427.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 391.09 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.24 427.10 Td (way ) Tj ET Q q 0 0 0 rg BT 423.82 427.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.52 427.10 Td (which ) Tj ET Q q 0 0 0 rg BT 459.89 427.10 Td (they ) Tj ET Q q 0 0 0 rg BT 479.03 427.10 Td (do ) Tj ET Q q 0 0 0 rg BT 490.96 427.10 Td (business ) Tj ET Q q 0 0 0 rg BT 526.77 427.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.14 427.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 415.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 102.21 415.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.49 415.10 Td (constrain ) Tj ET Q q 0 0 0 rg BT 151.64 415.10 Td (revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Numerous ) Tj ET Q q 0 0 0 rg BT 95.32 394.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 140.64 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.63 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.51 394.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 220.24 394.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 238.33 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 254.20 394.10 Td (required ) Tj ET Q q 0 0 0 rg BT 291.17 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.61 394.10 Td (be ) Tj ET Q q 0 0 0 rg BT 315.70 394.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 371.57 394.10 Td (through ) Tj ET Q q 0 0 0 rg BT 406.33 394.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 455.53 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 469.19 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.06 394.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 534.25 394.10 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.71 382.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 133.25 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 135.29 382.10 Td (A) Tj ET Q q 0 0 0 rg BT 141.96 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.57 382.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 181.07 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 192.02 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.85 382.10 Td (required ) Tj ET Q q 0 0 0 rg BT 242.78 382.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 289.83 382.10 Td (have ) Tj ET Q q 0 0 0 rg BT 311.33 382.10 Td (been ) Tj ET Q q 0 0 0 rg BT 332.82 382.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 360.44 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.49 382.10 Td (others ) Tj ET Q q 0 0 0 rg BT 404.55 382.10 Td (have ) Tj ET Q q 0 0 0 rg BT 426.04 382.10 Td (been ) Tj ET Q q 0 0 0 rg BT 447.53 382.10 Td (released ) Tj ET Q q 0 0 0 rg BT 482.90 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 497.18 382.10 Td (public ) Tj ET Q q 0 0 0 rg BT 524.79 382.10 Td (comment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.47 370.10 Td (released ) Tj ET Q q 0 0 0 rg BT 95.37 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.29 370.10 Td (final ) Tj ET Q q 0 0 0 rg BT 125.76 370.10 Td (form. ) Tj ET Q q 0 0 0 rg BT 149.84 370.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 204.47 370.10 Td (while ) Tj ET Q q 0 0 0 rg BT 228.83 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.19 370.10 Td (reforms ) Tj ET Q q 0 0 0 rg BT 276.44 370.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 315.79 370.10 Td (tar) Tj ET Q q 0 0 0 rg BT 326.16 370.10 Td (get ) Tj ET Q q 0 0 0 rg BT 340.52 370.10 Td (systemically ) Tj ET Q q 0 0 0 rg BT 392.65 370.10 Td (important ) Tj ET Q q 0 0 0 rg BT 433.68 370.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 470.80 370.10 Td (service ) Tj ET Q q 0 0 0 rg BT 501.26 370.10 Td (providers, ) Tj ET Q q 0 0 0 rg BT 543.67 370.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 89.46 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 98.39 358.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 136.19 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.23 358.10 Td (filter ) Tj ET Q q 0 0 0 rg BT 167.92 358.10 Td (down ) Tj ET Q q 0 0 0 rg BT 192.40 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 202.44 358.10 Td (varying ) Tj ET Q q 0 0 0 rg BT 235.25 358.10 Td (degrees ) Tj ET Q q 0 0 0 rg BT 268.05 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.09 358.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 309.78 358.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 356.49 358.10 Td (over ) Tj ET Q q 0 0 0 rg BT 376.52 358.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 398.89 358.10 Td (W) Tj ET Q q 0 0 0 rg BT 407.53 358.10 Td (e ) Tj ET Q q 0 0 0 rg BT 414.23 358.10 Td (will ) Tj ET Q q 0 0 0 rg BT 432.05 358.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 468.74 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 478.78 358.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 514.35 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.83 358.10 Td (ef) Tj ET Q q 0 0 0 rg BT 536.42 358.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 553.66 358.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.70 346.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 115.53 346.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 132.45 346.10 Td (changes; ) Tj ET Q q 0 0 0 rg BT 169.92 346.10 Td (however) Tj ET Q q 0 0 0 rg BT 203.95 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 208.94 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 219.21 346.10 Td (many ) Tj ET Q q 0 0 0 rg BT 243.91 346.10 Td (respects, ) Tj ET Q q 0 0 0 rg BT 281.11 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.81 346.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 331.07 346.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 360.77 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.58 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.29 346.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 437.11 346.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 454.04 346.10 Td (will ) Tj ET Q q 0 0 0 rg BT 472.08 346.10 Td (not ) Tj ET Q q 0 0 0 rg BT 487.35 346.10 Td (be ) Tj ET Q q 0 0 0 rg BT 499.27 346.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 520.65 346.10 Td (known ) Tj ET Q q 0 0 0 rg BT 550.36 346.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 76.84 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.53 334.10 Td (no ) Tj ET Q q 0 0 0 rg BT 107.78 334.10 Td (current ) Tj ET Q q 0 0 0 rg BT 139.34 334.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 181.45 334.10 Td (may ) Tj ET Q q 0 0 0 rg BT 201.91 334.10 Td (be ) Tj ET Q q 0 0 0 rg BT 214.60 334.10 Td (given ) Tj ET Q q 0 0 0 rg BT 240.06 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 258.30 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.76 334.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 325.18 334.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 345.36 334.10 Td (or ) Tj ET Q q 0 0 0 rg BT 356.94 334.10 Td (any ) Tj ET Q q 0 0 0 rg BT 374.62 334.10 Td (other ) Tj ET Q q 0 0 0 rg BT 398.41 334.10 Td (new ) Tj ET Q q 0 0 0 rg BT 418.32 334.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 462.67 334.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 500.62 334.10 Td (will ) Tj ET Q q 0 0 0 rg BT 519.42 334.10 Td (not ) Tj ET Q q 0 0 0 rg BT 535.45 334.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.57 334.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 86.63 322.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 116.60 322.10 Td (on ) Tj ET Q q 0 0 0 rg BT 129.35 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.33 322.10 Td (results ) Tj ET Q q 0 0 0 rg BT 173.19 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.28 322.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 228.69 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 245.88 322.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 283.62 322.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 324.15 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.24 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.21 322.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 391.85 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.05 322.10 Td (its ) Tj ET Q q 0 0 0 rg BT 421.25 322.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 473.73 322.10 Td (For ) Tj ET Q q 0 0 0 rg BT 490.37 322.10 Td (further ) Tj ET Q q 0 0 0 rg BT 520.34 322.10 Td (discussion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.59 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.06 310.10 Td (most ) Tj ET Q q 0 0 0 rg BT 99.77 310.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 127.45 310.10 Td (developments ) Tj ET Q q 0 0 0 rg BT 186.25 310.10 Td (under ) Tj ET Q q 0 0 0 rg BT 212.27 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.74 310.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 279.16 310.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 299.36 310.10 Td (see ) Tj ET Q q 0 0 0 rg BT 315.38 310.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 336.97 310.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 345.22 310.10 Td (Management's ) Tj ET Q q 0 0 0 rg BT 410.81 310.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 457.96 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.94 310.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 513.20 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.78 310.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 92.50 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.44 298.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 141.39 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.22 298.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 198.60 298.10 Td (- ) Tj ET Q q 0 0 0 rg BT 204.43 298.10 Td (Overview ) Tj ET Q q 0 0 0 rg BT 246.36 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.30 298.10 Td (Strategy ) Tj ET Q q 0 0 0 rg BT 299.12 298.10 Td (- ) Tj ET Q q 0 0 0 rg BT 304.95 298.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 344.66 298.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 391.60 298.10 Td (Reform.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (V) Tj ET Q q 0 0 0 rg BT 55.00 277.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 82.49 277.10 Td (Rule) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.88 256.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 118.58 256.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 135.35 256.10 Td (added ) Tj ET Q q 0 0 0 rg BT 161.56 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.34 256.10 Td (new ) Tj ET Q q 0 0 0 rg BT 187.33 256.10 Td (Section13 ) Tj ET Q q 0 0 0 rg BT 232.16 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.27 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.82 256.10 Td (BHC ) Tj ET Q q 0 0 0 rg BT 279.20 256.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 298.48 256.10 Td (known ) Tj ET Q q 0 0 0 rg BT 328.03 256.10 Td (as ) Tj ET Q q 0 0 0 rg BT 338.70 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.25 256.10 Td (V) Tj ET Q q 0 0 0 rg BT 363.62 256.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 390.94 256.10 Td (Rule. ) Tj ET Q q 0 0 0 rg BT 419.10 256.10 Td (On ) Tj ET Q q 0 0 0 rg BT 433.65 256.10 Td (December10, ) Tj ET Q q 0 0 0 rg BT 492.07 256.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 516.90 256.10 Td (five ) Tj ET Q q 0 0 0 rg BT 534.79 256.10 Td (United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (States ) Tj ET Q q 0 0 0 rg BT 76.44 244.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 113.96 244.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 159.00 244.10 Td (including ) Tj ET Q q 0 0 0 rg BT 199.32 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.09 244.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 246.62 244.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 283.88 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.64 244.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 323.97 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.96 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.73 244.10 Td (OCC, ) Tj ET Q q 0 0 0 rg BT 381.34 244.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 415.54 244.10 Td (final ) Tj ET Q q 0 0 0 rg BT 436.42 244.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 458.40 244.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 516.50 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.08 244.10 Td (V) Tj ET Q q 0 0 0 rg BT 537.01 244.10 Td (olcker ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (Rule. ) Tj ET Q q 0 0 0 rg BT 74.34 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.08 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 95.59 232.10 Td (final ) Tj ET Q q 0 0 0 rg BT 116.87 232.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 139.26 232.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 173.88 232.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 209.05 232.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 240.89 232.10 Td (from ) Tj ET Q q 0 0 0 rg BT 263.29 232.10 Td (\(1\)engaging ) Tj ET Q q 0 0 0 rg BT 317.06 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.79 232.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 372.40 232.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 419.78 232.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 451.06 232.10 Td (for ) Tj ET Q q 0 0 0 rg BT 465.68 232.10 Td (their ) Tj ET Q q 0 0 0 rg BT 486.96 232.10 Td (own ) Tj ET Q q 0 0 0 rg BT 507.14 232.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 547.58 232.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (\(2\)having ) Tj ET Q q 0 0 0 rg BT 94.11 220.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 124.05 220.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 168.44 220.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 204.50 220.10 Td (in ) Tj ET Q q 0 0 0 rg BT 215.01 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.18 220.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 286.02 220.10 Td (with ) Tj ET Q q 0 0 0 rg BT 306.53 220.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 333.14 220.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 358.10 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 369.16 220.10 Td (private ) Tj ET Q q 0 0 0 rg BT 399.66 220.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 427.38 220.10 Td (funds. ) Tj ET Q q 0 0 0 rg BT 457.34 220.10 Td (Further) Tj ET Q q 0 0 0 rg BT 486.38 220.10 Td (, ) Tj ET Q q 0 0 0 rg BT 491.61 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.56 220.10 Td (final ) Tj ET Q q 0 0 0 rg BT 527.62 220.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 549.79 220.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 86.71 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.76 208.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 129.58 208.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 159.61 208.10 Td (clarity ) Tj ET Q q 0 0 0 rg BT 187.43 208.10 Td (with ) Tj ET Q q 0 0 0 rg BT 207.48 208.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 238.07 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.12 208.10 Td (both ) Tj ET Q q 0 0 0 rg BT 268.17 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.67 208.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 309.37 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 319.98 208.10 Td (those ) Tj ET Q q 0 0 0 rg BT 343.36 208.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 377.29 208.10 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 427.90 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.61 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 455.22 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.71 208.10 Td (related ) Tj ET Q q 0 0 0 rg BT 499.19 208.10 Td (exemptions ) Tj ET Q q 0 0 0 rg BT 547.56 208.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (exclusions.) Tj ET Q q 0 0 0 rg BT 97.04 196.10 Td (These ) Tj ET Q q 0 0 0 rg BT 123.53 196.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 145.59 196.10 Td (also ) Tj ET Q q 0 0 0 rg BT 164.32 196.10 Td (require ) Tj ET Q q 0 0 0 rg BT 195.26 196.10 Td (each ) Tj ET Q q 0 0 0 rg BT 216.20 196.10 Td (regulated ) Tj ET Q q 0 0 0 rg BT 256.02 196.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 281.41 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.81 196.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 329.43 196.10 Td (an ) Tj ET Q q 0 0 0 rg BT 341.49 196.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 374.65 196.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 423.36 196.10 Td (program ) Tj ET Q q 0 0 0 rg BT 459.86 196.10 Td (that ) Tj ET Q q 0 0 0 rg BT 477.48 196.10 Td (is ) Tj ET Q q 0 0 0 rg BT 486.77 196.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 529.38 196.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.78 196.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 76.94 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.23 184.10 Td (which ) Tj ET Q q 0 0 0 rg BT 114.18 184.10 Td (it ) Tj ET Q q 0 0 0 rg BT 122.25 184.10 Td (engages ) Tj ET Q q 0 0 0 rg BT 156.96 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 167.25 184.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 205.86 184.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 240.01 184.10 Td (by ) Tj ET Q q 0 0 0 rg BT 252.52 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.07 184.10 Td (V) Tj ET Q q 0 0 0 rg BT 273.00 184.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 300.50 184.10 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 324.39 184.10 Td (which ) Tj ET Q q 0 0 0 rg BT 351.34 184.10 Td (must ) Tj ET Q q 0 0 0 rg BT 373.30 184.10 Td (include ) Tj ET Q q 0 0 0 rg BT 405.24 184.10 Td (\(for ) Tj ET Q q 0 0 0 rg BT 422.74 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.47 184.10 Td (lar) Tj ET Q q 0 0 0 rg BT 447.84 184.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 466.45 184.10 Td (entities\) ) Tj ET Q q 0 0 0 rg BT 501.18 184.10 Td (making ) Tj ET Q q 0 0 0 rg BT 533.68 184.10 Td (regular ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 82.03 172.10 Td (about ) Tj ET Q q 0 0 0 rg BT 108.52 172.10 Td (those ) Tj ET Q q 0 0 0 rg BT 133.89 172.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 174.25 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.30 172.10 Td (regulators.) Tj ET Q q 0 0 0 rg BT 230.73 172.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 272.78 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.26 172.10 Td (final ) Tj ET Q q 0 0 0 rg BT 311.85 172.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 335.55 172.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 370.37 172.10 Td (some ) Tj ET Q q 0 0 0 rg BT 395.74 172.10 Td (dif) Tj ET Q q 0 0 0 rg BT 406.67 172.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 444.24 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.28 172.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 506.64 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.34 172.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 97.29 160.10 Td (based ) Tj ET Q q 0 0 0 rg BT 122.92 160.10 Td (on ) Tj ET Q q 0 0 0 rg BT 135.77 160.10 Td (size, ) Tj ET Q q 0 0 0 rg BT 156.67 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.73 160.10 Td (fundamental ) Tj ET Q q 0 0 0 rg BT 224.57 160.10 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 275.75 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 286.93 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.80 160.10 Td (V) Tj ET Q q 0 0 0 rg BT 307.73 160.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 335.57 160.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 357.30 160.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 382.37 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 393.00 160.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 428.07 160.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 459.80 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.99 160.10 Td (any ) Tj ET Q q 0 0 0 rg BT 488.28 160.10 Td (size, ) Tj ET Q q 0 0 0 rg BT 509.17 160.10 Td (including ) Tj ET Q q 0 0 0 rg BT 549.80 160.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.47 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.48 148.10 Td (its ) Tj ET Q q 0 0 0 rg BT 120.51 148.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 142.53 148.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 194.64 148.10 Td (These ) Tj ET Q q 0 0 0 rg BT 221.10 148.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 243.11 148.10 Td (were ) Tj ET Q q 0 0 0 rg BT 265.12 148.10 Td (ef) Tj ET Q q 0 0 0 rg BT 272.71 148.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 301.92 148.10 Td (April1, ) Tj ET Q q 0 0 0 rg BT 335.61 148.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 360.69 148.10 Td (but ) Tj ET Q q 0 0 0 rg BT 376.05 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.85 148.10 Td (conformance ) Tj ET Q q 0 0 0 rg BT 445.62 148.10 Td (period ) Tj ET Q q 0 0 0 rg BT 473.74 148.10 Td (was ) Tj ET Q q 0 0 0 rg BT 491.88 148.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 530.55 148.10 Td (from ) Tj ET Q q 0 0 0 rg BT 552.57 148.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 86.87 136.10 Td (end ) Tj ET Q q 0 0 0 rg BT 103.18 136.10 Td (date ) Tj ET Q q 0 0 0 rg BT 121.71 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.91 136.10 Td (July21, ) Tj ET Q q 0 0 0 rg BT 165.45 136.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 187.32 136.10 Td (until ) Tj ET Q q 0 0 0 rg BT 207.53 136.10 Td (July21, ) Tj ET Q q 0 0 0 rg BT 241.07 136.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 262.95 136.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.48 136.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 322.78 136.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 352.97 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.28 136.10 Td (until ) Tj ET Q q 0 0 0 rg BT 389.49 136.10 Td (July ) Tj ET Q q 0 0 0 rg BT 408.03 136.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 429.91 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.56 136.10 Td (divest ) Tj ET Q q 0 0 0 rg BT 465.32 136.10 Td (private ) Tj ET Q q 0 0 0 rg BT 494.95 136.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 521.82 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 538.13 136.10 Td (hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (funds. ) Tj ET Q q 0 0 0 rg BT 76.65 124.10 Td (W) Tj ET Q q 0 0 0 rg BT 85.29 124.10 Td (e ) Tj ET Q q 0 0 0 rg BT 91.81 124.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 119.98 124.10 Td (this ) Tj ET Q q 0 0 0 rg BT 136.51 124.10 Td (date ) Tj ET Q q 0 0 0 rg BT 155.24 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.10 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 176.62 124.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 214.79 124.10 Td (again ) Tj ET Q q 0 0 0 rg BT 238.52 124.10 Td (until ) Tj ET Q q 0 0 0 rg BT 258.94 124.10 Td (July ) Tj ET Q q 0 0 0 rg BT 277.69 124.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 302.26 124.10 Td (which ) Tj ET Q q 0 0 0 rg BT 328.78 124.10 Td (will ) Tj ET Q q 0 0 0 rg BT 346.42 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 357.94 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.23 124.10 Td (final ) Tj ET Q q 0 0 0 rg BT 392.64 124.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 433.04 124.10 Td (allowable ) Tj ET Q q 0 0 0 rg BT 473.99 124.10 Td (under ) Tj ET Q q 0 0 0 rg BT 498.84 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.13 124.10 Td (Dodd-Frank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 91.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.17 91.10 Td (have ) Tj ET Q q 0 0 0 rg BT 86.14 91.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 126.54 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.85 91.10 Td (implications ) Tj ET Q q 0 0 0 rg BT 192.38 91.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.80 91.10 Td (these ) Tj ET Q q 0 0 0 rg BT 225.44 91.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 246.97 91.10 Td (on ) Tj ET Q q 0 0 0 rg BT 259.06 91.10 Td (our ) Tj ET Q q 0 0 0 rg BT 274.49 91.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 324.35 91.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.88 91.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 387.96 91.10 Td (that ) Tj ET Q q 0 0 0 rg BT 405.04 91.10 Td (some ) Tj ET Q q 0 0 0 rg BT 428.24 91.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.67 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.98 91.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 492.83 91.10 Td (in ) Tj ET Q q 0 0 0 rg BT 502.70 91.10 Td (our ) Tj ET Q q 0 0 0 rg BT 518.13 91.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 87.45 79.10 Td (will ) Tj ET Q q 0 0 0 rg BT 105.46 79.10 Td (be ) Tj ET Q q 0 0 0 rg BT 117.35 79.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 148.13 79.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.36 79.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.85 79.10 Td (V) Tj ET Q q 0 0 0 rg BT 178.79 79.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 206.23 79.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 227.57 79.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 246.96 79.10 Td (absent ) Tj ET Q q 0 0 0 rg BT 274.96 79.10 Td (any ) Tj ET Q q 0 0 0 rg BT 291.85 79.10 Td (further ) Tj ET Q q 0 0 0 rg BT 321.51 79.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 374.51 79.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.74 79.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.23 79.10 Td (V) Tj ET Q q 0 0 0 rg BT 405.17 79.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 432.60 79.10 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 456.44 79.10 Td (will ) Tj ET Q q 0 0 0 rg BT 474.46 79.10 Td (have ) Tj ET Q q 0 0 0 rg BT 495.79 79.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.02 79.10 Td (be ) Tj ET Q q 0 0 0 rg BT 517.91 79.10 Td (divested ) Tj ET Q q 0 0 0 rg BT 553.69 79.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (converted. ) Tj ET Q q 0 0 0 rg BT 94.35 67.10 Td ( ) Tj ET Q q 0 0 0 rg BT 96.78 67.10 Td (In ) Tj ET Q q 0 0 0 rg BT 107.53 67.10 Td (one ) Tj ET Q q 0 0 0 rg BT 124.40 67.10 Td (instance, ) Tj ET Q q 0 0 0 rg BT 162.09 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.73 67.10 Td (need ) Tj ET Q q 0 0 0 rg BT 198.04 67.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.24 67.10 Td (divest ) Tj ET Q q 0 0 0 rg BT 234.56 67.10 Td (that ) Tj ET Q q 0 0 0 rg BT 251.98 67.10 Td (security ) Tj ET Q q 0 0 0 rg BT 286.06 67.10 Td (at ) Tj ET Q q 0 0 0 rg BT 295.70 67.10 Td (a ) Tj ET Q q 0 0 0 rg BT 302.57 67.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 325.54 67.10 Td (near) Tj ET Q q 0 0 0 rg BT 342.55 67.10 Td (-term ) Tj ET Q q 0 0 0 rg BT 366.63 67.10 Td (date ) Tj ET Q q 0 0 0 rg BT 385.71 67.10 Td (caused ) Tj ET Q q 0 0 0 rg BT 415.35 67.10 Td (us ) Tj ET Q q 0 0 0 rg BT 426.67 67.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.87 67.10 Td (record ) Tj ET Q q 0 0 0 rg BT 464.83 67.10 Td (an ) Tj ET Q q 0 0 0 rg BT 476.70 67.10 Td (other) Tj ET Q q 0 0 0 rg BT 497.05 67.10 Td (-than-temporary ) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (10) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 98.81 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.86 742.10 Td ($3.3 ) Tj ET Q q 0 0 0 rg BT 130.08 742.10 Td (million ) Tj ET Q q 0 0 0 rg BT 161.69 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 174.40 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 192.11 742.10 Td (security ) Tj ET Q q 0 0 0 rg BT 226.48 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.98 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.91 742.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 279.07 742.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 310.10 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.15 742.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 346.17 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 354.80 742.10 Td (e ) Tj ET Q q 0 0 0 rg BT 361.96 742.10 Td (do ) Tj ET Q q 0 0 0 rg BT 374.67 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 390.17 742.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 421.76 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 439.47 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 456.62 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 479.89 742.10 Td (required ) Tj ET Q q 0 0 0 rg BT 515.92 742.10 Td (divestitures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 730.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 99.99 730.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 154.69 730.10 Td (will ) Tj ET Q q 0 0 0 rg BT 172.74 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 194.12 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 211.06 730.10 Td (material ) Tj ET Q q 0 0 0 rg BT 246.32 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 283.80 730.10 Td (implications ) Tj ET Q q 0 0 0 rg BT 335.74 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 348.24 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.95 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 401.19 730.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 82.50 709.10 Td (Requir) Tj ET Q q 0 0 0 rg BT 109.35 709.10 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 688.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.74 688.10 Td (are ) Tj ET Q q 0 0 0 rg BT 80.61 688.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 111.60 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 122.04 688.10 Td (various ) Tj ET Q q 0 0 0 rg BT 154.14 688.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 197.89 688.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 227.21 688.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 282.07 688.10 Td (both ) Tj ET Q q 0 0 0 rg BT 302.51 688.10 Td (at ) Tj ET Q q 0 0 0 rg BT 312.39 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.27 688.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 368.82 688.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.92 688.10 Td (at ) Tj ET Q q 0 0 0 rg BT 395.80 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.68 688.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 454.45 688.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 476.55 688.10 Td (level. ) Tj ET Q q 0 0 0 rg BT 501.15 688.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 532.14 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.58 688.10 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 91.35 676.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 120.46 676.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 175.12 676.10 Td (could ) Tj ET Q q 0 0 0 rg BT 199.79 676.10 Td (result ) Tj ET Q q 0 0 0 rg BT 224.47 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 234.70 676.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 264.36 676.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 309.58 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.48 676.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 361.71 676.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 404.16 676.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 458.82 676.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 489.60 676.10 Td (by ) Tj ET Q q 0 0 0 rg BT 502.06 676.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 544.50 676.10 Td (that, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (if ) Tj ET Q q 0 0 0 rg BT 59.78 664.10 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 110.37 664.10 Td (could ) Tj ET Q q 0 0 0 rg BT 136.26 664.10 Td (have ) Tj ET Q q 0 0 0 rg BT 158.81 664.10 Td (an ) Tj ET Q q 0 0 0 rg BT 171.92 664.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 206.13 664.10 Td (material ) Tj ET Q q 0 0 0 rg BT 242.56 664.10 Td (ef) Tj ET Q q 0 0 0 rg BT 250.14 664.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 268.80 664.10 Td (on ) Tj ET Q q 0 0 0 rg BT 282.47 664.10 Td (our ) Tj ET Q q 0 0 0 rg BT 299.47 664.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 338.12 664.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 386.51 664.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 415.17 664.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 445.49 664.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 486.91 664.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 531.69 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.80 664.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 94.81 652.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 142.40 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 157.78 652.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 190.39 652.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 234.08 652.10 Td (action ) Tj ET Q q 0 0 0 rg BT 262.23 652.10 Td (\(described ) Tj ET Q q 0 0 0 rg BT 307.60 652.10 Td (below\), ) Tj ET Q q 0 0 0 rg BT 341.58 652.10 Td (we ) Tj ET Q q 0 0 0 rg BT 356.96 652.10 Td (must ) Tj ET Q q 0 0 0 rg BT 380.13 652.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 403.29 652.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 438.10 652.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 468.47 652.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 513.29 652.10 Td (that ) Tj ET Q q 0 0 0 rg BT 532.01 652.10 Td (involve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 100.85 640.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 141.69 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.66 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.63 640.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 200.10 640.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 243.46 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.54 640.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 292.38 640.10 Td (of) Tj ET Q q 0 0 0 rg BT 300.53 640.10 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 341.36 640.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 365.55 640.10 Td (items ) Tj ET Q q 0 0 0 rg BT 390.86 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 402.83 640.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 446.99 640.10 Td (under ) Tj ET Q q 0 0 0 rg BT 473.40 640.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 518.14 640.10 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 85.82 628.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.59 628.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 132.46 628.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 168.57 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.22 628.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 240.20 628.10 Td (are ) Tj ET Q q 0 0 0 rg BT 254.62 628.10 Td (also ) Tj ET Q q 0 0 0 rg BT 272.95 628.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 303.49 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.49 628.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 357.37 628.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.59 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.03 628.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 426.23 628.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 466.77 628.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 511.19 628.10 Td (components, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 68.54 616.10 Td (weightings, ) Tj ET Q q 0 0 0 rg BT 118.46 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.43 616.10 Td (other ) Tj ET Q q 0 0 0 rg BT 160.51 616.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 193.50 616.10 Td (W) Tj ET Q q 0 0 0 rg BT 202.14 616.10 Td (e ) Tj ET Q q 0 0 0 rg BT 210.11 616.10 Td (have ) Tj ET Q q 0 0 0 rg BT 232.52 616.10 Td (consistently ) Tj ET Q q 0 0 0 rg BT 283.83 616.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 331.80 616.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 376.42 616.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 406.61 616.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 432.36 616.10 Td (at ) Tj ET Q q 0 0 0 rg BT 443.11 616.10 Td (or ) Tj ET Q q 0 0 0 rg BT 454.98 616.10 Td (above ) Tj ET Q q 0 0 0 rg BT 482.39 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.14 616.10 Td (well-capitalized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (standards. ) Tj ET Q q 0 0 0 rg BT 92.27 604.10 Td (These ) Tj ET Q q 0 0 0 rg BT 118.31 604.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 147.13 604.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 168.73 604.10 Td (have ) Tj ET Q q 0 0 0 rg BT 189.77 604.10 Td (under) Tj ET Q q 0 0 0 rg BT 212.35 604.10 Td (gone ) Tj ET Q q 0 0 0 rg BT 233.95 604.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 278.33 604.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 312.70 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 332.64 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.02 604.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 384.17 604.10 Td (by ) Tj ET Q q 0 0 0 rg BT 396.34 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.71 604.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 440.63 604.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 475.01 604.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 511.60 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 522.09 604.10 Td (final ) Tj ET Q q 0 0 0 rg BT 542.58 604.10 Td (rules ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 592.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 112.76 592.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 137.48 592.10 Td (III ) Tj ET Q q 0 0 0 rg BT 149.97 592.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 207.17 592.10 Td (which ) Tj ET Q q 0 0 0 rg BT 234.11 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 248.82 592.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 289.65 592.10 Td (below) Tj ET Q q 0 0 0 rg BT 313.44 592.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.57 568.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 91.81 568.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 138.27 568.10 Td (on ) Tj ET Q q 0 0 0 rg BT 150.29 568.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 186.20 568.10 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 236.00 568.10 Td (has ) Tj ET Q q 0 0 0 rg BT 251.35 568.10 Td (drafted ) Tj ET Q q 0 0 0 rg BT 281.68 568.10 Td (frameworks ) Tj ET Q q 0 0 0 rg BT 331.46 568.10 Td (for ) Tj ET Q q 0 0 0 rg BT 345.15 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.38 568.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 401.95 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 412.30 568.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 440.97 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.43 568.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 493.34 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.70 568.10 Td (internationally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (active ) Tj ET Q q 0 0 0 rg BT 76.67 556.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 111.69 556.10 Td (or) Tj ET Q q 0 0 0 rg BT 119.84 556.10 Td (ganizations, ) Tj ET Q q 0 0 0 rg BT 170.68 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.69 556.10 Td (most ) Tj ET Q q 0 0 0 rg BT 207.94 556.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 235.17 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.29 556.10 Td (which ) Tj ET Q q 0 0 0 rg BT 273.53 556.10 Td (is ) Tj ET Q q 0 0 0 rg BT 283.00 556.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 323.00 556.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 357.44 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.02 556.10 Td (as ) Tj ET Q q 0 0 0 rg BT 379.15 556.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 408.60 556.10 Td (III. ) Tj ET Q q 0 0 0 rg BT 428.33 556.10 Td (In ) Tj ET Q q 0 0 0 rg BT 439.46 556.10 Td (July ) Tj ET Q q 0 0 0 rg BT 458.93 556.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 484.23 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.24 556.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 529.79 556.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 86.51 544.10 Td (jointly ) Tj ET Q q 0 0 0 rg BT 114.72 544.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 141.81 544.10 Td (final ) Tj ET Q q 0 0 0 rg BT 162.22 544.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 183.75 544.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 233.61 544.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.14 544.10 Td (new ) Tj ET Q q 0 0 0 rg BT 258.89 544.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 321.51 544.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 350.25 544.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 396.21 544.10 Td (for ) Tj ET Q q 0 0 0 rg BT 409.96 544.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 429.83 544.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 464.14 544.10 Td (or) Tj ET Q q 0 0 0 rg BT 472.29 544.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 519.92 544.10 Td (that ) Tj ET Q q 0 0 0 rg BT 537.01 544.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 95.54 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.53 532.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 135.52 532.10 Td (III ) Tj ET Q q 0 0 0 rg BT 148.29 532.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 177.71 532.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 224.35 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 241.56 532.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 271.54 532.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 315.98 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.08 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.08 532.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 393.12 532.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 412.63 532.10 Td (The ) Tj ET Q q 0 0 0 rg BT 430.95 532.10 Td (final ) Tj ET Q q 0 0 0 rg BT 452.05 532.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 474.26 532.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 494.80 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 505.35 532.10 Td (strengthen ) Tj ET Q q 0 0 0 rg BT 549.78 532.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (components ) Tj ET Q q 0 0 0 rg BT 100.75 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.51 520.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 155.04 520.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 186.62 520.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 221.80 520.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 265.33 520.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 294.41 520.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 351.54 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.41 520.10 Td (make ) Tj ET Q q 0 0 0 rg BT 392.49 520.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 427.12 520.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 461.76 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.97 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.61 520.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 532.91 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 543.67 520.10 Td (risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 89.16 508.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 117.30 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 135.35 508.10 Td (final ) Tj ET Q q 0 0 0 rg BT 156.18 508.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 180.62 508.10 Td (among ) Tj ET Q q 0 0 0 rg BT 210.33 508.10 Td (other ) Tj ET Q q 0 0 0 rg BT 233.38 508.10 Td (things:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 484.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 484.10 Td (revise ) Tj ET Q q 0 0 0 rg BT 101.38 484.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 142.77 484.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 171.92 484.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 226.62 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.56 484.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 269.95 484.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 301.33 484.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 343.80 484.10 Td (action ) Tj ET Q q 0 0 0 rg BT 370.74 484.10 Td (thresholds;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 472.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 472.10 Td (revise ) Tj ET Q q 0 0 0 rg BT 101.29 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.92 472.10 Td (components ) Tj ET Q q 0 0 0 rg BT 166.66 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.41 472.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 220.92 472.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 249.98 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.83 472.10 Td (create ) Tj ET Q q 0 0 0 rg BT 293.11 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 299.96 472.10 Td (new ) Tj ET Q q 0 0 0 rg BT 319.04 472.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 348.10 472.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 383.83 472.10 Td (called ) Tj ET Q q 0 0 0 rg BT 410.12 472.10 Td (T) Tj ET Q q 0 0 0 rg BT 420.31 472.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 433.28 472.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 440.69 472.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 480.33 472.10 Td (Equity) Tj ET Q q 0 0 0 rg BT 506.35 472.10 Td (, ) Tj ET Q q 0 0 0 rg BT 515.70 472.10 Td (which ) Tj ET Q q 0 0 0 rg BT 542.55 472.10 Td (must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 460.10 Td (constitute ) Tj ET Q q 0 0 0 rg BT 116.38 460.10 Td (at ) Tj ET Q q 0 0 0 rg BT 126.10 460.10 Td (least ) Tj ET Q q 0 0 0 rg BT 146.92 460.10 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 170.25 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.08 460.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 238.57 460.10 Td (assets;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 448.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 448.10 Td (specify ) Tj ET Q q 0 0 0 rg BT 105.47 448.10 Td (that ) Tj ET Q q 0 0 0 rg BT 121.94 448.10 Td (T) Tj ET Q q 0 0 0 rg BT 127.69 448.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 139.83 448.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 146.42 448.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 174.66 448.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 207.92 448.10 Td (only ) Tj ET Q q 0 0 0 rg BT 227.29 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.09 448.10 Td (T) Tj ET Q q 0 0 0 rg BT 242.85 448.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 254.98 448.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 261.57 448.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 300.39 448.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 328.64 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.67 448.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 373.46 448.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 422.15 448.10 Td (T) Tj ET Q q 0 0 0 rg BT 427.91 448.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 440.04 448.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 446.63 448.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 481.54 448.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 529.79 448.10 Td (meeting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 436.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 113.59 436.10 Td (requirements;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 424.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 424.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 110.25 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.97 424.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 166.18 424.10 Td (T) Tj ET Q q 0 0 0 rg BT 171.94 424.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 184.99 424.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 192.49 424.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 221.64 424.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 242.46 424.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 293.27 424.10 Td (from ) Tj ET Q q 0 0 0 rg BT 315.21 424.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 331.04 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.32 424.10 Td (6%;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 412.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 412.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 100.26 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.98 412.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 149.15 412.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 192.74 412.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 221.89 412.10 Td (treatment ) Tj ET Q q 0 0 0 rg BT 262.15 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.31 412.10 Td (1-4 ) Tj ET Q q 0 0 0 rg BT 292.14 412.10 Td (family ) Tj ET Q q 0 0 0 rg BT 320.75 412.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 364.90 412.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 405.16 412.10 Td (exposures;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 400.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 400.10 Td (permit ) Tj ET Q q 0 0 0 rg BT 103.63 400.10 Td (most ) Tj ET Q q 0 0 0 rg BT 125.61 400.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 160.36 400.10 Td (or) Tj ET Q q 0 0 0 rg BT 168.51 400.10 Td (ganizations, ) Tj ET Q q 0 0 0 rg BT 219.08 400.10 Td (including ) Tj ET Q q 0 0 0 rg BT 259.39 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.13 400.10 Td (Company) Tj ET Q q 0 0 0 rg BT 312.37 400.10 Td (, ) Tj ET Q q 0 0 0 rg BT 317.40 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.71 400.10 Td (retain, ) Tj ET Q q 0 0 0 rg BT 355.51 400.10 Td (through ) Tj ET Q q 0 0 0 rg BT 389.15 400.10 Td (a ) Tj ET Q q 0 0 0 rg BT 396.11 400.10 Td (one-time ) Tj ET Q q 0 0 0 rg BT 434.19 400.10 Td (permanent ) Tj ET Q q 0 0 0 rg BT 478.92 400.10 Td (election, ) Tj ET Q q 0 0 0 rg BT 515.60 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.35 400.10 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 388.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 104.15 388.10 Td (treatment ) Tj ET Q q 0 0 0 rg BT 144.41 388.10 Td (for ) Tj ET Q q 0 0 0 rg BT 158.57 388.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 211.60 388.10 Td (other ) Tj ET Q q 0 0 0 rg BT 234.64 388.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 297.68 388.10 Td (income;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 376.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 376.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 120.06 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 126.79 376.10 Td (new ) Tj ET Q q 0 0 0 rg BT 145.73 376.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 174.67 376.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 228.06 376.10 Td (buf) Tj ET Q q 0 0 0 rg BT 241.21 376.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 254.59 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.21 376.10 Td (common ) Tj ET Q q 0 0 0 rg BT 302.50 376.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 329.62 376.10 Td (T) Tj ET Q q 0 0 0 rg BT 335.37 376.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 348.21 376.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 355.50 376.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 384.44 376.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 408.38 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 418.45 376.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 441.57 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.19 376.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 509.46 376.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 537.58 376.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 364.10 Td (will ) Tj ET Q q 0 0 0 rg BT 93.74 364.10 Td (be ) Tj ET Q q 0 0 0 rg BT 106.37 364.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.33 364.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 153.29 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.26 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.66 364.10 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 203.67 364.10 Td (common ) Tj ET Q q 0 0 0 rg BT 241.86 364.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 269.81 364.10 Td (T) Tj ET Q q 0 0 0 rg BT 275.56 364.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 289.30 364.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 297.48 364.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 327.32 364.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 348.83 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.45 364.10 Td (be ) Tj ET Q q 0 0 0 rg BT 379.08 364.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 410.03 364.10 Td (in ) Tj ET Q q 0 0 0 rg BT 421.00 364.10 Td (over ) Tj ET Q q 0 0 0 rg BT 441.95 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 449.58 364.10 Td (three-year ) Tj ET Q q 0 0 0 rg BT 493.29 364.10 Td (period ) Tj ET Q q 0 0 0 rg BT 522.02 364.10 Td (beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 352.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 118.60 352.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 143.60 352.10 Td (which ) Tj ET Q q 0 0 0 rg BT 170.54 352.10 Td (buf) Tj ET Q q 0 0 0 rg BT 183.69 352.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 197.29 352.10 Td (is ) Tj ET Q q 0 0 0 rg BT 206.46 352.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 246.16 352.10 Td (required ) Tj ET Q q 0 0 0 rg BT 281.97 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.25 352.10 Td (make ) Tj ET Q q 0 0 0 rg BT 316.41 352.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 345.56 352.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 398.06 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.00 352.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 431.94 352.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 472.75 352.10 Td (bonuses;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 340.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 340.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 110.73 340.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 140.35 340.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 195.53 340.10 Td (for ) Tj ET Q q 0 0 0 rg BT 210.16 340.10 Td (past-due ) Tj ET Q q 0 0 0 rg BT 247.01 340.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 273.59 340.10 Td (high ) Tj ET Q q 0 0 0 rg BT 294.35 340.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 333.43 340.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 383.60 340.10 Td (real ) Tj ET Q q 0 0 0 rg BT 401.56 340.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 427.29 340.10 Td (exposures, ) Tj ET Q q 0 0 0 rg BT 472.76 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.17 340.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 520.35 340.10 Td (short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 328.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 94.72 328.10 Td (commitments;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 316.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 316.10 Td (require ) Tj ET Q q 0 0 0 rg BT 105.45 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.79 316.10 Td (deduction ) Tj ET Q q 0 0 0 rg BT 161.36 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.82 316.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 211.71 316.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 250.50 316.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 275.96 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.53 316.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 327.96 316.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 342.31 316.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 367.77 316.10 Td (that ) Tj ET Q q 0 0 0 rg BT 384.90 316.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 414.78 316.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 435.24 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.70 316.10 Td (common ) Tj ET Q q 0 0 0 rg BT 482.83 316.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 509.80 316.10 Td (T) Tj ET Q q 0 0 0 rg BT 515.55 316.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 528.23 316.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 535.36 316.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.28 304.10 Td (each ) Tj ET Q q 0 0 0 rg BT 106.09 304.10 Td (category ) Tj ET Q q 0 0 0 rg BT 143.02 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 159.96 304.10 Td (15% ) Tj ET Q q 0 0 0 rg BT 180.79 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.62 304.10 Td (common ) Tj ET Q q 0 0 0 rg BT 229.11 304.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 256.43 304.10 Td (T) Tj ET Q q 0 0 0 rg BT 262.18 304.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 275.23 304.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 282.73 304.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 311.88 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 322.16 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.88 304.10 Td (aggregate; ) Tj ET Q q 0 0 0 rg BT 381.02 304.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 292.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 292.10 Td (remove ) Tj ET Q q 0 0 0 rg BT 109.08 292.10 Td (references ) Tj ET Q q 0 0 0 rg BT 154.25 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.12 292.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 192.97 292.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 224.28 292.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 268.37 292.10 Td (with ) Tj ET Q q 0 0 0 rg BT 290.24 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.55 292.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 358.62 292.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 377.15 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.68 292.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 434.77 292.10 Td (due ) Tj ET Q q 0 0 0 rg BT 453.30 292.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 494.05 292.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 550.34 292.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 280.10 Td (securitization ) Tj ET Q q 0 0 0 rg BT 131.37 280.10 Td (exposures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 78.20 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.63 256.10 Td (final ) Tj ET Q q 0 0 0 rg BT 115.17 256.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 140.32 256.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 189.62 256.10 Td (by ) Tj ET Q q 0 0 0 rg BT 202.84 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.27 256.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 260.37 256.10 Td (was ) Tj ET Q q 0 0 0 rg BT 279.13 256.10 Td (required ) Tj ET Q q 0 0 0 rg BT 315.66 256.10 Td (by ) Tj ET Q q 0 0 0 rg BT 328.87 256.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 373.18 256.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 398.90 256.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 430.43 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.43 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 449.08 256.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 490.06 256.10 Td (period ) Tj ET Q q 0 0 0 rg BT 518.82 256.10 Td (for ) Tj ET Q q 0 0 0 rg BT 533.70 256.10 Td (several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 80.71 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.88 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.93 244.10 Td (final ) Tj ET Q q 0 0 0 rg BT 125.09 244.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 148.87 244.10 Td (including ) Tj ET Q q 0 0 0 rg BT 188.48 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.53 244.10 Td (new ) Tj ET Q q 0 0 0 rg BT 221.03 244.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 261.75 244.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 290.24 244.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 310.40 244.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 366.94 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.99 244.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 409.48 244.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 462.41 244.10 Td (buf) Tj ET Q q 0 0 0 rg BT 475.56 244.10 Td (fer) Tj ET Q q 0 0 0 rg BT 486.25 244.10 Td (, ) Tj ET Q q 0 0 0 rg BT 490.59 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.87 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.92 244.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 78.61 232.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 128.35 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.75 232.10 Td (deductions. ) Tj ET Q q 0 0 0 rg BT 192.54 232.10 Td (Requirements ) Tj ET Q q 0 0 0 rg BT 250.04 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.78 232.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 296.73 232.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 324.24 232.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 349.53 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.82 232.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 388.43 232.10 Td (could ) Tj ET Q q 0 0 0 rg BT 412.61 232.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 452.89 232.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 482.06 232.10 Td (our ) Tj ET Q q 0 0 0 rg BT 497.35 232.10 Td (return ) Tj ET Q q 0 0 0 rg BT 523.19 232.10 Td (on ) Tj ET Q q 0 0 0 rg BT 535.15 232.10 Td (equity) Tj ET Q q 0 0 0 rg BT 559.50 232.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.50 232.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 220.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.58 220.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 96.95 220.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.44 220.10 Td (we ) Tj ET Q q 0 0 0 rg BT 128.60 220.10 Td (will ) Tj ET Q q 0 0 0 rg BT 146.66 220.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 183.59 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.87 220.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 224.13 220.10 Td (all ) Tj ET Q q 0 0 0 rg BT 236.62 220.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 277.44 220.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 343.79 220.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 387.39 220.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 442.09 220.10 Td (on ) Tj ET Q q 0 0 0 rg BT 454.59 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.53 220.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 482.92 220.10 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 524.29 220.10 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 77.56 196.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 106.79 196.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 128.80 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 139.16 196.10 Td (ef) Tj ET Q q 0 0 0 rg BT 146.74 196.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 164.30 196.10 Td (for ) Tj ET Q q 0 0 0 rg BT 178.54 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.33 196.10 Td (year ) Tj ET Q q 0 0 0 rg BT 213.11 196.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 239.56 196.10 Td (December ) Tj ET Q q 0 0 0 rg BT 283.22 196.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 298.30 196.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 323.37 196.10 Td (as ) Tj ET Q q 0 0 0 rg BT 334.28 196.10 Td (a ) Tj ET Q q 0 0 0 rg BT 341.29 196.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 363.30 196.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 396.43 196.10 Td (company) Tj ET Q q 0 0 0 rg BT 432.44 196.10 Td (, ) Tj ET Q q 0 0 0 rg BT 437.52 196.10 Td (we ) Tj ET Q q 0 0 0 rg BT 451.75 196.10 Td (were ) Tj ET Q q 0 0 0 rg BT 473.75 196.10 Td (required ) Tj ET Q q 0 0 0 rg BT 509.64 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.00 196.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 557.56 196.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 91.77 184.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 112.98 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.19 184.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 168.18 184.10 Td (total ) Tj ET Q q 0 0 0 rg BT 188.84 184.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 218.37 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.03 184.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 286.90 184.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 313.11 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.32 184.10 Td (8.0%, ) Tj ET Q q 0 0 0 rg BT 350.53 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.75 184.10 Td (which ) Tj ET Q q 0 0 0 rg BT 389.07 184.10 Td (at ) Tj ET Q q 0 0 0 rg BT 399.17 184.10 Td (least ) Tj ET Q q 0 0 0 rg BT 420.37 184.10 Td (6.0% ) Tj ET Q q 0 0 0 rg BT 444.09 184.10 Td (must ) Tj ET Q q 0 0 0 rg BT 466.42 184.10 Td (be ) Tj ET Q q 0 0 0 rg BT 478.74 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 489.40 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.50 184.10 Td (form ) Tj ET Q q 0 0 0 rg BT 526.82 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.82 184.10 Td (T) Tj ET Q q 0 0 0 rg BT 543.58 184.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 557.01 184.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 78.88 172.10 Td (\(generally ) Tj ET Q q 0 0 0 rg BT 121.63 172.10 Td (common ) Tj ET Q q 0 0 0 rg BT 158.85 172.10 Td (equity) Tj ET Q q 0 0 0 rg BT 183.20 172.10 Td (, ) Tj ET Q q 0 0 0 rg BT 187.93 172.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 222.35 172.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 258.46 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.12 172.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.78 172.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 312.34 172.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 344.56 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.12 172.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 398.45 172.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 437.31 172.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 463.14 172.10 Td (less ) Tj ET Q q 0 0 0 rg BT 480.37 172.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 518.15 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 534.81 172.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (core ) Tj ET Q q 0 0 0 rg BT 69.06 160.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 99.79 160.10 Td (intangibles\). ) Tj ET Q q 0 0 0 rg BT 151.22 160.10 Td (The ) Tj ET Q q 0 0 0 rg BT 168.62 160.10 Td (remainder ) Tj ET Q q 0 0 0 rg BT 211.00 160.10 Td (may ) Tj ET Q q 0 0 0 rg BT 230.07 160.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 259.70 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 269.75 160.10 Td (T) Tj ET Q q 0 0 0 rg BT 275.50 160.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 287.90 160.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 294.75 160.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 325.75 160.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 354.54 160.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 384.72 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.35 160.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 423.40 160.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 466.92 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.20 160.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 530.33 160.10 Td (consists ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (of: ) Tj ET Q q 0 0 0 rg BT 63.88 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.88 148.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 122.18 148.10 Td (for ) Tj ET Q q 0 0 0 rg BT 136.62 148.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 162.16 148.10 Td (losses; ) Tj ET Q q 0 0 0 rg BT 191.60 148.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 231.58 148.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 270.99 148.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 294.87 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.08 148.10 Td (related ) Tj ET Q q 0 0 0 rg BT 342.06 148.10 Td (surplus; ) Tj ET Q q 0 0 0 rg BT 376.51 148.10 Td (hybrid ) Tj ET Q q 0 0 0 rg BT 405.39 148.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 434.82 148.10 Td (instruments; ) Tj ET Q q 0 0 0 rg BT 487.03 148.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 531.45 148.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 74.77 136.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.44 136.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 136.52 136.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 165.18 136.10 Td (securities; ) Tj ET Q q 0 0 0 rg BT 209.38 136.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 250.25 136.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 271.13 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.23 136.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 335.66 136.10 Td (convertible ) Tj ET Q q 0 0 0 rg BT 384.30 136.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 405.18 136.10 Td (securities; ) Tj ET Q q 0 0 0 rg BT 449.39 136.10 Td (term ) Tj ET Q q 0 0 0 rg BT 471.38 136.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 526.70 136.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 547.58 136.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (intermediate-term ) Tj ET Q q 0 0 0 rg BT 124.15 124.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 163.31 124.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 189.44 124.10 Td ( ) Tj ET Q q 0 0 0 rg BT 191.78 124.10 Td (The ) Tj ET Q q 0 0 0 rg BT 209.85 124.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 242.36 124.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 277.09 124.10 Td (has ) Tj ET Q q 0 0 0 rg BT 292.94 124.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 318.79 124.10 Td (that ) Tj ET Q q 0 0 0 rg BT 336.12 124.10 Td (T) Tj ET Q q 0 0 0 rg BT 341.88 124.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 354.95 124.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 362.47 124.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 390.55 124.10 Td (common ) Tj ET Q q 0 0 0 rg BT 428.06 124.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 455.58 124.10 Td (should ) Tj ET Q q 0 0 0 rg BT 484.77 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 496.73 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.47 124.10 Td (predominant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (form ) Tj ET Q q 0 0 0 rg BT 71.67 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.23 112.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 113.61 112.10 Td (In ) Tj ET Q q 0 0 0 rg BT 124.17 112.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 161.67 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.12 112.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 208.34 112.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 242.78 112.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 277.21 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 283.88 112.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 325.00 112.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 361.10 112.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 381.65 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.05 112.10 Td (T) Tj ET Q q 0 0 0 rg BT 397.81 112.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 410.59 112.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 417.82 112.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 446.70 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.71 112.10 Td (total ) Tj ET Q q 0 0 0 rg BT 476.71 112.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 502.27 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.83 112.10 Td (3.0% ) Tj ET Q q 0 0 0 rg BT 535.89 112.10 Td (for ) Tj ET Q q 0 0 0 rg BT 549.78 112.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (most ) Tj ET Q q 0 0 0 rg BT 71.37 100.10 Td (highly-rated ) Tj ET Q q 0 0 0 rg BT 122.17 100.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 143.53 100.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 176.01 100.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 223.19 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.55 100.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 254.81 100.10 Td (for ) Tj ET Q q 0 0 0 rg BT 268.39 100.10 Td (all ) Tj ET Q q 0 0 0 rg BT 280.31 100.10 Td (other ) Tj ET Q q 0 0 0 rg BT 302.78 100.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 324.14 100.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 356.62 100.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 403.81 100.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 421.28 100.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 442.64 100.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 485.66 100.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 522.00 100.10 Td (uniformly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (encourage ) Tj ET Q q 0 0 0 rg BT 93.66 88.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 119.58 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.59 88.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 158.61 88.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 191.75 88.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 237.09 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.45 88.10 Td (be ) Tj ET Q q 0 0 0 rg BT 259.47 88.10 Td (well-capitalized, ) Tj ET Q q 0 0 0 rg BT 337.28 88.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 366.80 88.10 Td (for ) Tj ET Q q 0 0 0 rg BT 381.04 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.84 88.10 Td (year ) Tj ET Q q 0 0 0 rg BT 415.63 88.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 442.08 88.10 Td (December ) Tj ET Q q 0 0 0 rg BT 485.75 88.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 500.83 88.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 525.91 88.10 Td (required: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.43 76.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 94.29 76.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 115.61 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.72 76.10 Td (T) Tj ET Q q 0 0 0 rg BT 132.48 76.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 146.02 76.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 154.02 76.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 183.66 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.44 76.10 Td (total ) Tj ET Q q 0 0 0 rg BT 215.21 76.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 241.53 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.86 76.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 269.18 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 280.51 76.10 Td (greater) Tj ET Q q 0 0 0 rg BT 307.86 76.10 Td (, ) Tj ET Q q 0 0 0 rg BT 313.36 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.79 76.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 342.11 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.22 76.10 Td (T) Tj ET Q q 0 0 0 rg BT 358.98 76.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 372.52 76.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 380.52 76.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 410.16 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 420.94 76.10 Td (total ) Tj ET Q q 0 0 0 rg BT 441.71 76.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 499.69 76.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 526.01 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.34 76.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 553.66 76.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (greater) Tj ET Q q 0 0 0 rg BT 77.35 64.10 Td (, ) Tj ET Q q 0 0 0 rg BT 83.07 64.10 Td (a ) Tj ET Q q 0 0 0 rg BT 90.73 64.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 112.27 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.81 64.10 Td (common ) Tj ET Q q 0 0 0 rg BT 162.03 64.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 190.01 64.10 Td (T) Tj ET Q q 0 0 0 rg BT 195.76 64.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 209.53 64.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 217.74 64.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 247.61 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 258.60 64.10 Td (total ) Tj ET Q q 0 0 0 rg BT 279.60 64.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 337.80 64.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 364.34 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.89 64.10 Td (6.5%, ) Tj ET Q q 0 0 0 rg BT 402.44 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.09 64.10 Td (a ) Tj ET Q q 0 0 0 rg BT 427.75 64.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 449.29 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.84 64.10 Td (total ) Tj ET Q q 0 0 0 rg BT 481.83 64.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 511.69 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.69 64.10 Td (total ) Tj ET Q q 0 0 0 rg BT 543.68 64.10 Td (risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 88.77 52.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.22 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.67 52.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 145.12 52.10 Td (or ) Tj ET Q q 0 0 0 rg BT 155.57 52.10 Td (greater) Tj ET Q q 0 0 0 rg BT 182.77 52.10 Td (. ) Tj ET Q q 0 0 0 rg BT 186.92 52.10 Td (As ) Tj ET Q q 0 0 0 rg BT 200.15 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.60 52.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 268.80 52.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 293.42 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.75 52.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 354.45 52.10 Td (total ) Tj ET Q q 0 0 0 rg BT 374.34 52.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 403.11 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 413.01 52.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 470.11 52.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 495.56 52.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 516.00 52.10 Td (was ) Tj ET Q q 0 0 0 rg BT 533.67 52.10 Td (12.2%, ) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.35 27.67 Td (1) Tj ET Q q 0 0 0 rg BT 551.98 27.67 Td (1) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.65 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 67.41 742.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 80.33 742.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 87.70 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 116.72 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.87 742.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 184.23 742.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 206.04 742.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 226.74 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 244.67 742.10 Td (10.0%, ) Tj ET Q q 0 0 0 rg BT 275.37 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 287.19 742.10 Td (common ) Tj ET Q q 0 0 0 rg BT 324.56 742.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 351.76 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 357.51 742.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 370.43 742.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 377.81 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 406.83 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 416.98 742.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 474.34 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 500.04 742.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 520.74 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 538.67 742.10 Td (8.4%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 78.71 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 84.46 730.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 97.51 730.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 105.01 730.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 141.37 730.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 162.20 730.10 Td (was ) Tj ET Q q 0 0 0 rg BT 180.25 730.10 Td (9.1%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 80.75 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.96 709.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 112.81 709.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 154.13 709.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 183.21 709.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 237.84 709.10 Td (could ) Tj ET Q q 0 0 0 rg BT 262.48 709.10 Td (result ) Tj ET Q q 0 0 0 rg BT 287.12 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 297.33 709.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 326.95 709.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 372.14 709.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.01 709.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 424.21 709.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 466.63 709.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 521.25 709.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 552.01 709.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 91.84 697.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 111.19 697.10 Td (if ) Tj ET Q q 0 0 0 rg BT 119.16 697.10 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 167.94 697.10 Td (could ) Tj ET Q q 0 0 0 rg BT 192.01 697.10 Td (have ) Tj ET Q q 0 0 0 rg BT 212.75 697.10 Td (an ) Tj ET Q q 0 0 0 rg BT 224.04 697.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 256.44 697.10 Td (material ) Tj ET Q q 0 0 0 rg BT 291.05 697.10 Td (ef) Tj ET Q q 0 0 0 rg BT 298.64 697.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 315.48 697.10 Td (on ) Tj ET Q q 0 0 0 rg BT 327.34 697.10 Td (our ) Tj ET Q q 0 0 0 rg BT 342.53 697.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 379.36 697.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 425.93 697.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 452.78 697.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 481.29 697.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 520.90 697.10 Td (guidelines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.15 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 80.08 685.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 122.89 685.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 168.47 685.10 Td (for ) Tj ET Q q 0 0 0 rg BT 181.85 685.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 212.45 685.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 254.13 685.10 Td (action ) Tj ET Q q 0 0 0 rg BT 280.28 685.10 Td (\(described ) Tj ET Q q 0 0 0 rg BT 323.64 685.10 Td (below\), ) Tj ET Q q 0 0 0 rg BT 355.62 685.10 Td (we ) Tj ET Q q 0 0 0 rg BT 368.99 685.10 Td (must ) Tj ET Q q 0 0 0 rg BT 390.16 685.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 411.30 685.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 444.11 685.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 472.48 685.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 515.29 685.10 Td (that ) Tj ET Q q 0 0 0 rg BT 532.00 685.10 Td (involve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 100.68 673.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 141.36 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.16 673.10 Td (our ) Tj ET Q q 0 0 0 rg BT 169.97 673.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 199.27 673.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 242.46 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.37 673.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 291.05 673.10 Td (of) Tj ET Q q 0 0 0 rg BT 299.20 673.10 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 339.86 673.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 363.88 673.10 Td (items, ) Tj ET Q q 0 0 0 rg BT 391.52 673.10 Td (as ) Tj ET Q q 0 0 0 rg BT 403.32 673.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 447.32 673.10 Td (under ) Tj ET Q q 0 0 0 rg BT 473.57 673.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 518.13 673.10 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 85.82 661.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.59 661.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 132.46 661.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 168.57 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.22 661.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 240.20 661.10 Td (are ) Tj ET Q q 0 0 0 rg BT 254.62 661.10 Td (also ) Tj ET Q q 0 0 0 rg BT 272.95 661.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 303.49 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.49 661.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 357.37 661.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.59 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.03 661.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 426.23 661.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 466.77 661.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 511.19 661.10 Td (components, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.50 649.10 Td (weightings, ) Tj ET Q q 0 0 0 rg BT 116.39 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.33 649.10 Td (other ) Tj ET Q q 0 0 0 rg BT 156.37 649.10 Td (factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.94 625.10 Td (more ) Tj ET Q q 0 0 0 rg BT 90.53 625.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 143.29 625.10 Td (see ) Tj ET Q q 0 0 0 rg BT 159.11 625.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 180.48 625.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 188.53 625.10 Td (Management's ) Tj ET Q q 0 0 0 rg BT 253.91 625.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 300.84 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.66 625.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 355.70 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.08 625.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 407.34 625.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 450.39 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.88 625.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 500.37 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.75 625.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 558.67 625.10 Td (- ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (Overview ) Tj ET Q q 0 0 0 rg BT 91.93 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.87 613.10 Td (Strategy ) Tj ET Q q 0 0 0 rg BT 144.69 613.10 Td (- ) Tj ET Q q 0 0 0 rg BT 150.52 613.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 190.23 613.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 237.17 613.10 Td (Reform.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 88.61 592.10 Td (Requir) Tj ET Q q 0 0 0 rg BT 115.46 592.10 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Historically) Tj ET Q q 0 0 0 rg BT 96.56 571.10 Td (, ) Tj ET Q q 0 0 0 rg BT 101.54 571.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 144.55 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 161.47 571.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 208.38 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.19 571.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 241.10 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 258.02 571.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 279.93 571.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 312.96 571.10 Td (company ) Tj ET Q q 0 0 0 rg BT 352.09 571.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 388.46 571.10 Td (has ) Tj ET Q q 0 0 0 rg BT 404.26 571.10 Td (been ) Tj ET Q q 0 0 0 rg BT 425.61 571.10 Td (addressed ) Tj ET Q q 0 0 0 rg BT 467.52 571.10 Td (as ) Tj ET Q q 0 0 0 rg BT 478.32 571.10 Td (a ) Tj ET Q q 0 0 0 rg BT 485.23 571.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 534.37 571.10 Td (matter) Tj ET Q q 0 0 0 rg BT 559.51 571.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (without ) Tj ET Q q 0 0 0 rg BT 82.94 559.10 Td (required ) Tj ET Q q 0 0 0 rg BT 118.64 559.10 Td (formulaic ) Tj ET Q q 0 0 0 rg BT 159.89 559.10 Td (measures. ) Tj ET Q q 0 0 0 rg BT 201.98 559.10 Td (However) Tj ET Q q 0 0 0 rg BT 238.23 559.10 Td (, ) Tj ET Q q 0 0 0 rg BT 243.11 559.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.71 559.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 282.31 559.10 Td (III ) Tj ET Q q 0 0 0 rg BT 294.68 559.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 330.95 559.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 377.20 559.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 411.79 559.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 437.50 559.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.32 559.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 476.14 559.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 509.08 559.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 554.23 559.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 86.02 547.10 Td (their ) Tj ET Q q 0 0 0 rg BT 107.05 547.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 143.65 547.10 Td (against ) Tj ET Q q 0 0 0 rg BT 174.68 547.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 208.48 547.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 245.08 547.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 265.57 547.10 Td (that ) Tj ET Q q 0 0 0 rg BT 283.27 547.10 Td (are ) Tj ET Q q 0 0 0 rg BT 298.18 547.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 328.66 547.10 Td (in ) Tj ET Q q 0 0 0 rg BT 339.15 547.10 Td (some ) Tj ET Q q 0 0 0 rg BT 362.96 547.10 Td (respects ) Tj ET Q q 0 0 0 rg BT 397.88 547.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.36 547.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 444.96 547.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 484.87 547.10 Td (historically ) Tj ET Q q 0 0 0 rg BT 532.57 547.10 Td (applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.99 535.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 89.31 535.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.74 535.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 149.71 535.10 Td (for ) Tj ET Q q 0 0 0 rg BT 164.36 535.10 Td (management ) Tj ET Q q 0 0 0 rg BT 218.44 535.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.87 535.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 285.52 535.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 326.56 535.10 Td (One ) Tj ET Q q 0 0 0 rg BT 346.21 535.10 Td (such ) Tj ET Q q 0 0 0 rg BT 367.53 535.10 Td (test, ) Tj ET Q q 0 0 0 rg BT 386.91 535.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 421.53 535.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.30 535.10 Td (as ) Tj ET Q q 0 0 0 rg BT 443.62 535.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.83 535.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 499.04 535.10 Td (Coverage ) Tj ET Q q 0 0 0 rg BT 540.34 535.10 Td (Ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (\(LCR\), ) Tj ET Q q 0 0 0 rg BT 89.86 523.10 Td (is ) Tj ET Q q 0 0 0 rg BT 98.91 523.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 136.84 523.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.00 523.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 175.48 523.10 Td (that ) Tj ET Q q 0 0 0 rg BT 192.85 523.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.45 523.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 242.04 523.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 267.20 523.10 Td (has ) Tj ET Q q 0 0 0 rg BT 282.91 523.10 Td (an ) Tj ET Q q 0 0 0 rg BT 294.72 523.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 332.63 523.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 356.12 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.83 523.10 Td (unencumbered ) Tj ET Q q 0 0 0 rg BT 428.07 523.10 Td (high-quality ) Tj ET Q q 0 0 0 rg BT 479.33 523.10 Td (liquid ) Tj ET Q q 0 0 0 rg BT 505.05 523.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 530.76 523.10 Td (that ) Tj ET Q q 0 0 0 rg BT 548.13 523.10 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (be ) Tj ET Q q 0 0 0 rg BT 62.30 511.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 104.58 511.10 Td (easily ) Tj ET Q q 0 0 0 rg BT 130.76 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.06 511.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 200.90 511.10 Td (in ) Tj ET Q q 0 0 0 rg BT 211.54 511.10 Td (private ) Tj ET Q q 0 0 0 rg BT 242.16 511.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 276.67 511.10 Td (into ) Tj ET Q q 0 0 0 rg BT 295.09 511.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 315.71 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.35 511.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 348.64 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 351.50 511.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 388.25 511.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 413.87 511.10 Td (for ) Tj ET Q q 0 0 0 rg BT 428.39 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 435.69 511.10 Td (30-calendar ) Tj ET Q q 0 0 0 rg BT 485.74 511.10 Td (day ) Tj ET Q q 0 0 0 rg BT 503.04 511.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 539.79 511.10 Td (stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (scenario. ) Tj ET Q q 0 0 0 rg BT 87.92 499.10 Td (Another ) Tj ET Q q 0 0 0 rg BT 123.38 499.10 Td (test, ) Tj ET Q q 0 0 0 rg BT 142.47 499.10 Td (known ) Tj ET Q q 0 0 0 rg BT 172.38 499.10 Td (as ) Tj ET Q q 0 0 0 rg BT 183.41 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.32 499.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 215.46 499.10 Td (Stable ) Tj ET Q q 0 0 0 rg BT 243.15 499.10 Td (Funding ) Tj ET Q q 0 0 0 rg BT 279.19 499.10 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 303.55 499.10 Td (\(NSFR\), ) Tj ET Q q 0 0 0 rg BT 349.30 499.10 Td (is ) Tj ET Q q 0 0 0 rg BT 358.67 499.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 396.91 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.38 499.10 Td (promote ) Tj ET Q q 0 0 0 rg BT 443.41 499.10 Td (more ) Tj ET Q q 0 0 0 rg BT 466.65 499.10 Td (medium- ) Tj ET Q q 0 0 0 rg BT 505.45 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.59 499.10 Td (long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 83.00 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.22 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.33 487.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 132.55 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.88 487.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 186.87 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.09 487.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 233.96 487.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 280.31 487.10 Td (over ) Tj ET Q q 0 0 0 rg BT 299.97 487.10 Td (a ) Tj ET Q q 0 0 0 rg BT 306.30 487.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 343.16 487.10 Td (horizon. ) Tj ET Q q 0 0 0 rg BT 377.96 487.10 Td (These ) Tj ET Q q 0 0 0 rg BT 403.73 487.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 442.83 487.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 475.27 487.10 Td (an ) Tj ET Q q 0 0 0 rg BT 486.60 487.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 525.14 487.10 Td (for ) Tj ET Q q 0 0 0 rg BT 538.69 487.10 Td (banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.29 475.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 98.70 475.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 143.31 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.94 475.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 187.54 475.10 Td (their ) Tj ET Q q 0 0 0 rg BT 207.72 475.10 Td (holdings ) Tj ET Q q 0 0 0 rg BT 244.02 475.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.51 475.10 Td (T) Tj ET Q q 0 0 0 rg BT 259.27 475.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 290.55 475.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 330.16 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.45 475.10 Td (other ) Tj ET Q q 0 0 0 rg BT 368.85 475.10 Td (sovereign ) Tj ET Q q 0 0 0 rg BT 409.58 475.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 428.65 475.10 Td (as ) Tj ET Q q 0 0 0 rg BT 438.83 475.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.12 475.10 Td (component ) Tj ET Q q 0 0 0 rg BT 491.40 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.58 475.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 529.26 475.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 463.10 Td (use ) Tj ET Q q 0 0 0 rg BT 80.55 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.38 463.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 133.31 463.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 153.03 463.10 Td (as ) Tj ET Q q 0 0 0 rg BT 163.86 463.10 Td (a ) Tj ET Q q 0 0 0 rg BT 170.80 463.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 204.40 463.10 Td (source ) Tj ET Q q 0 0 0 rg BT 233.00 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.94 463.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 267.99 463.10 Td (on ) Tj ET Q q 0 0 0 rg BT 280.49 463.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 306.31 463.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 339.92 463.10 Td (like ) Tj ET Q q 0 0 0 rg BT 357.42 463.10 Td (core ) Tj ET Q q 0 0 0 rg BT 377.12 463.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 412.40 463.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 426.01 463.10 Td (lieu ) Tj ET Q q 0 0 0 rg BT 443.51 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.34 463.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 492.37 463.10 Td (deposits\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.07 442.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.37 442.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 110.33 442.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 153.95 442.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 190.89 442.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 245.62 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.36 442.10 Td (LCR ) Tj ET Q q 0 0 0 rg BT 282.33 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 292.63 442.10 Td (September ) Tj ET Q q 0 0 0 rg BT 337.91 442.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 362.93 442.10 Td (which ) Tj ET Q q 0 0 0 rg BT 389.89 442.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 424.62 442.10 Td (lar) Tj ET Q q 0 0 0 rg BT 434.98 442.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 446.94 442.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 484.45 442.10 Td (firms ) Tj ET Q q 0 0 0 rg BT 508.08 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.37 442.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 538.67 442.10 Td (levels ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.28 430.10 Td (liquid ) Tj ET Q q 0 0 0 rg BT 87.57 430.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 113.85 430.10 Td (suf) Tj ET Q q 0 0 0 rg BT 125.90 430.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 154.39 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.12 430.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 195.84 430.10 Td (against ) Tj ET Q q 0 0 0 rg BT 227.12 430.10 Td (constraints ) Tj ET Q q 0 0 0 rg BT 273.40 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 286.35 430.10 Td (their ) Tj ET Q q 0 0 0 rg BT 307.63 430.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 341.69 430.10 Td (during ) Tj ET Q q 0 0 0 rg BT 370.75 430.10 Td (times ) Tj ET Q q 0 0 0 rg BT 395.37 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.65 430.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 444.58 430.10 Td (turmoil. ) Tj ET Q q 0 0 0 rg BT 479.27 430.10 Td (While ) Tj ET Q q 0 0 0 rg BT 506.65 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.82 430.10 Td (LCR ) Tj ET Q q 0 0 0 rg BT 544.23 430.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 80.93 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.32 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.15 418.10 Td (lar) Tj ET Q q 0 0 0 rg BT 116.51 418.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 135.23 418.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 170.06 418.10 Td (or) Tj ET Q q 0 0 0 rg BT 178.21 418.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 226.36 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.74 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.57 418.10 Td (country) Tj ET Q q 0 0 0 rg BT 281.47 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 286.58 418.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 316.39 418.10 Td (elements ) Tj ET Q q 0 0 0 rg BT 354.54 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 369.35 418.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 407.49 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.88 418.10 Td (filter ) Tj ET Q q 0 0 0 rg BT 439.92 418.10 Td (down ) Tj ET Q q 0 0 0 rg BT 464.75 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.14 418.10 Td (all ) Tj ET Q q 0 0 0 rg BT 487.75 418.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 519.79 418.10 Td (depository ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 99.45 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.39 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 130.55 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 145.26 406.10 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 187.74 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 203.57 406.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 239.97 406.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 257.47 406.10 Td (management ) Tj ET Q q 0 0 0 rg BT 311.05 406.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 344.66 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 354.94 406.10 Td (light ) Tj ET Q q 0 0 0 rg BT 375.77 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.60 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.32 406.10 Td (LCR ) Tj ET Q q 0 0 0 rg BT 423.27 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.21 406.10 Td (NSFR ) Tj ET Q q 0 0 0 rg BT 467.72 406.10 Td (regulations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 82.50 385.10 Td (Planning ) Tj ET Q q 0 0 0 rg BT 121.67 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.17 385.10 Td (Str) Tj ET Q q 0 0 0 rg BT 150.47 385.10 Td (ess ) Tj ET Q q 0 0 0 rg BT 165.19 385.10 Td (T) Tj ET Q q 0 0 0 rg BT 169.83 385.10 Td (esting ) Tj ET Q q 0 0 0 rg BT 196.22 385.10 Td (Requir) Tj ET Q q 0 0 0 rg BT 223.07 385.10 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.86 364.10 Td (October12, ) Tj ET Q q 0 0 0 rg BT 116.71 364.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 142.85 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.71 364.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 192.34 364.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 228.19 364.10 Td (published ) Tj ET Q q 0 0 0 rg BT 270.72 364.10 Td (two ) Tj ET Q q 0 0 0 rg BT 289.36 364.10 Td (final ) Tj ET Q q 0 0 0 rg BT 311.32 364.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 334.40 364.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 393.59 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.45 364.10 Td (company-run ) Tj ET Q q 0 0 0 rg BT 466.41 364.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 492.27 364.10 Td (test ) Tj ET Q q 0 0 0 rg BT 509.80 364.10 Td (requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (mandated ) Tj ET Q q 0 0 0 rg BT 90.79 352.10 Td (by ) Tj ET Q q 0 0 0 rg BT 102.71 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.84 352.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 167.21 352.10 Td (Act: ) Tj ET Q q 0 0 0 rg BT 186.35 352.10 Td (one ) Tj ET Q q 0 0 0 rg BT 202.70 352.10 Td (for ) Tj ET Q q 0 0 0 rg BT 216.28 352.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 235.98 352.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 257.33 352.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 289.81 352.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 334.49 352.10 Td (with ) Tj ET Q q 0 0 0 rg BT 354.18 352.10 Td (total ) Tj ET Q q 0 0 0 rg BT 373.87 352.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 426.33 352.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 451.58 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.82 352.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 478.74 352.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 506.77 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.46 352.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 533.38 352.10 Td (billion, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.93 340.10 Td (one ) Tj ET Q q 0 0 0 rg BT 83.87 340.10 Td (for ) Tj ET Q q 0 0 0 rg BT 98.02 340.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 118.30 340.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 140.23 340.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 173.29 340.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 218.54 340.10 Td (with ) Tj ET Q q 0 0 0 rg BT 238.82 340.10 Td (total ) Tj ET Q q 0 0 0 rg BT 259.09 340.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 312.12 340.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 337.95 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.77 340.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 366.27 340.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 394.88 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 405.70 340.10 Td (more. ) Tj ET Q q 0 0 0 rg BT 431.25 340.10 Td (In ) Tj ET Q q 0 0 0 rg BT 442.07 340.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 464.57 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.50 340.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 506.49 340.10 Td (under ) Tj ET Q q 0 0 0 rg BT 531.76 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 546.47 340.10 Td (rule ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 93.26 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.20 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.59 328.10 Td (Company) Tj ET Q q 0 0 0 rg BT 155.83 328.10 Td (, ) Tj ET Q q 0 0 0 rg BT 160.49 328.10 Td (which ) Tj ET Q q 0 0 0 rg BT 187.10 328.10 Td (became ) Tj ET Q q 0 0 0 rg BT 219.80 328.10 Td (ef) Tj ET Q q 0 0 0 rg BT 227.39 328.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 256.76 328.10 Td (November15, ) Tj ET Q q 0 0 0 rg BT 316.13 328.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 340.80 328.10 Td (we ) Tj ET Q q 0 0 0 rg BT 354.63 328.10 Td (were ) Tj ET Q q 0 0 0 rg BT 376.23 328.10 Td (required ) Tj ET Q q 0 0 0 rg BT 411.71 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 421.66 328.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 455.48 328.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 484.30 328.10 Td (company-run ) Tj ET Q q 0 0 0 rg BT 539.79 328.10 Td (stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 69.88 316.10 Td (using ) Tj ET Q q 0 0 0 rg BT 93.66 316.10 Td (data ) Tj ET Q q 0 0 0 rg BT 112.41 316.10 Td (as ) Tj ET Q q 0 0 0 rg BT 122.85 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.28 316.10 Td (September ) Tj ET Q q 0 0 0 rg BT 178.15 316.10 Td (30th ) Tj ET Q q 0 0 0 rg BT 198.03 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.46 316.10 Td (each ) Tj ET Q q 0 0 0 rg BT 228.88 316.10 Td (year ) Tj ET Q q 0 0 0 rg BT 248.19 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.74 316.10 Td (dif) Tj ET Q q 0 0 0 rg BT 275.66 316.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 301.08 316.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 340.39 316.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 378.04 316.10 Td (by ) Tj ET Q q 0 0 0 rg BT 390.15 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.47 316.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 436.56 316.10 Td (Reserve. ) Tj ET Q q 0 0 0 rg BT 473.37 316.10 Td (Submissions ) Tj ET Q q 0 0 0 rg BT 526.04 316.10 Td (were ) Tj ET Q q 0 0 0 rg BT 547.57 316.10 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.09 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.62 304.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 106.91 304.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 141.43 304.10 Td (no ) Tj ET Q q 0 0 0 rg BT 153.74 304.10 Td (later ) Tj ET Q q 0 0 0 rg BT 173.82 304.10 Td (than ) Tj ET Q q 0 0 0 rg BT 193.35 304.10 Td (March ) Tj ET Q q 0 0 0 rg BT 221.75 304.10 Td (31st ) Tj ET Q q 0 0 0 rg BT 240.74 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.38 304.10 Td (each ) Tj ET Q q 0 0 0 rg BT 272.00 304.10 Td (following ) Tj ET Q q 0 0 0 rg BT 313.20 304.10 Td (year) Tj ET Q q 0 0 0 rg BT 329.86 304.10 Td (. ) Tj ET Q q 0 0 0 rg BT 334.67 304.10 Td ( ) Tj ET Q q 0 0 0 rg BT 336.98 304.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 359.27 304.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 406.02 304.10 Td (year) Tj ET Q q 0 0 0 rg BT 422.83 304.10 Td (, ) Tj ET Q q 0 0 0 rg BT 427.64 304.10 Td (we ) Tj ET Q q 0 0 0 rg BT 441.61 304.10 Td (have ) Tj ET Q q 0 0 0 rg BT 462.80 304.10 Td (been ) Tj ET Q q 0 0 0 rg BT 483.99 304.10 Td (required ) Tj ET Q q 0 0 0 rg BT 519.62 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.71 304.10 Td (use ) Tj ET Q q 0 0 0 rg BT 545.35 304.10 Td (data ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.67 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 73.34 292.10 Td (December ) Tj ET Q q 0 0 0 rg BT 117.77 292.10 Td (31st ) Tj ET Q q 0 0 0 rg BT 137.78 292.10 Td (with ) Tj ET Q q 0 0 0 rg BT 158.90 292.10 Td (submissions ) Tj ET Q q 0 0 0 rg BT 211.15 292.10 Td (due ) Tj ET Q q 0 0 0 rg BT 228.93 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.05 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.61 292.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 288.94 292.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 324.48 292.10 Td (no ) Tj ET Q q 0 0 0 rg BT 337.83 292.10 Td (later ) Tj ET Q q 0 0 0 rg BT 358.93 292.10 Td (than ) Tj ET Q q 0 0 0 rg BT 379.49 292.10 Td (July ) Tj ET Q q 0 0 0 rg BT 399.50 292.10 Td (31st ) Tj ET Q q 0 0 0 rg BT 419.52 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.19 292.10 Td (each ) Tj ET Q q 0 0 0 rg BT 452.85 292.10 Td (following ) Tj ET Q q 0 0 0 rg BT 495.08 292.10 Td (year) Tj ET Q q 0 0 0 rg BT 511.73 292.10 Td (. ) Tj ET Q q 0 0 0 rg BT 517.57 292.10 Td (For ) Tj ET Q q 0 0 0 rg BT 534.81 292.10 Td (further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 94.52 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.71 280.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 135.21 280.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 173.06 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.35 280.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 215.43 280.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 244.95 280.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 302.50 280.10 Td (see ) Tj ET Q q 0 0 0 rg BT 318.13 280.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 339.31 280.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 347.16 280.10 Td (Management's ) Tj ET Q q 0 0 0 rg BT 412.35 280.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 459.09 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.76 280.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 513.61 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.79 280.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 92.50 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.44 268.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 141.39 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.22 268.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 198.60 268.10 Td (- ) Tj ET Q q 0 0 0 rg BT 204.43 268.10 Td (Overview ) Tj ET Q q 0 0 0 rg BT 246.36 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.30 268.10 Td (Strategy ) Tj ET Q q 0 0 0 rg BT 299.12 268.10 Td (- ) Tj ET Q q 0 0 0 rg BT 304.95 268.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 344.66 268.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 391.60 268.10 Td (Reform.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (Payment ) Tj ET Q q 0 0 0 rg BT 87.49 247.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.76 247.10 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 140.81 247.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.31 247.10 Td (Shar) Tj ET Q q 0 0 0 rg BT 176.83 247.10 Td (e ) Tj ET Q q 0 0 0 rg BT 183.77 247.10 Td (Repur) Tj ET Q q 0 0 0 rg BT 207.84 247.10 Td (chases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 226.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.02 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 81.18 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.57 226.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 110.95 226.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 136.67 226.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 172.37 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.76 226.10 Td (distinct ) Tj ET Q q 0 0 0 rg BT 222.15 226.10 Td (from ) Tj ET Q q 0 0 0 rg BT 244.54 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 260.82 226.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 295.98 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.37 226.10 Td (non-banking ) Tj ET Q q 0 0 0 rg BT 366.86 226.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 419.53 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 422.48 226.10 Td (Since ) Tj ET Q q 0 0 0 rg BT 447.64 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 463.92 226.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 517.41 226.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.57 226.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 83.61 214.10 Td (lar) Tj ET Q q 0 0 0 rg BT 93.98 214.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 113.14 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.42 214.10 Td (net ) Tj ET Q q 0 0 0 rg BT 137.58 214.10 Td (income ) Tj ET Q q 0 0 0 rg BT 168.96 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.23 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 194.51 214.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 215.89 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.27 214.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 271.99 214.10 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 323.65 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 338.92 214.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 366.42 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 376.14 214.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 392.53 214.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 433.36 214.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 468.07 214.10 Td (lar) Tj ET Q q 0 0 0 rg BT 478.44 214.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 497.60 214.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 519.54 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 534.82 214.10 Td (receipt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.73 202.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 100.02 202.10 Td (from ) Tj ET Q q 0 0 0 rg BT 120.87 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.60 202.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 186.62 202.10 Td (There ) Tj ET Q q 0 0 0 rg BT 211.34 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 224.95 202.10 Td (various ) Tj ET Q q 0 0 0 rg BT 255.79 202.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 284.95 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.79 202.10 Td (state ) Tj ET Q q 0 0 0 rg BT 320.52 202.10 Td (law ) Tj ET Q q 0 0 0 rg BT 336.36 202.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 380.55 202.10 Td (on ) Tj ET Q q 0 0 0 rg BT 391.95 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.57 202.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 431.41 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.59 202.10 Td (which ) Tj ET Q q 0 0 0 rg BT 466.43 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 481.17 202.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 514.79 202.10 Td (subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (can ) Tj ET Q q 0 0 0 rg BT 65.28 190.10 Td (declare ) Tj ET Q q 0 0 0 rg BT 95.54 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.39 190.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 127.23 190.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 167.52 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 176.70 190.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 189.49 190.10 Td (including ) Tj ET Q q 0 0 0 rg BT 228.67 190.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 268.96 190.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 311.46 190.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 339.51 190.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 395.62 190.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 424.77 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.62 190.10 Td (state ) Tj ET Q q 0 0 0 rg BT 460.34 190.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 493.96 190.10 Td (law ) Tj ET Q q 0 0 0 rg BT 509.81 190.10 Td (requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 96.86 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.51 178.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 148.38 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.15 178.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 200.47 178.10 Td (out ) Tj ET Q q 0 0 0 rg BT 215.69 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.46 178.10 Td (net ) Tj ET Q q 0 0 0 rg BT 241.11 178.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 269.65 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 280.42 178.10 Td (surplus, ) Tj ET Q q 0 0 0 rg BT 314.25 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.12 178.10 Td (general ) Tj ET Q q 0 0 0 rg BT 362.98 178.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 406.51 178.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 446.17 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.38 178.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 488.80 178.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 517.34 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 528.11 178.10 Td (unsound ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (practices. ) Tj ET Q q 0 0 0 rg BT 90.53 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.03 166.10 Td (No ) Tj ET Q q 0 0 0 rg BT 107.75 166.10 Td (assurances ) Tj ET Q q 0 0 0 rg BT 153.01 166.10 Td (can ) Tj ET Q q 0 0 0 rg BT 169.39 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 181.33 166.10 Td (given ) Tj ET Q q 0 0 0 rg BT 206.04 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 223.54 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.26 166.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 264.09 166.10 Td (will, ) Tj ET Q q 0 0 0 rg BT 284.64 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.92 166.10 Td (any ) Tj ET Q q 0 0 0 rg BT 311.86 166.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 373.50 166.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 390.44 166.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 431.83 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.10 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.82 166.10 Td (Company) Tj ET Q q 0 0 0 rg BT 495.06 166.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.88 145.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 95.35 145.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 138.99 145.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 169.30 145.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.29 145.10 Td (state ) Tj ET Q q 0 0 0 rg BT 207.16 145.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 241.93 145.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 262.81 145.10 Td (prohibit, ) Tj ET Q q 0 0 0 rg BT 299.52 145.10 Td (without ) Tj ET Q q 0 0 0 rg BT 332.63 145.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 354.62 145.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 398.26 145.10 Td (approval, ) Tj ET Q q 0 0 0 rg BT 438.30 145.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 470.29 145.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 515.06 145.10 Td (institutions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.95 133.10 Td (as ) Tj ET Q q 0 0 0 rg BT 81.91 133.10 Td (our ) Tj ET Q q 0 0 0 rg BT 97.86 133.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 119.93 133.10 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 172.27 133.10 Td (from ) Tj ET Q q 0 0 0 rg BT 194.33 133.10 Td (making ) Tj ET Q q 0 0 0 rg BT 226.95 133.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 264.57 133.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 317.20 133.10 Td (if ) Tj ET Q q 0 0 0 rg BT 325.93 133.10 Td (such ) Tj ET Q q 0 0 0 rg BT 346.89 133.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 399.52 133.10 Td (are ) Tj ET Q q 0 0 0 rg BT 414.35 133.10 Td (not ) Tj ET Q q 0 0 0 rg BT 429.75 133.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 449.59 133.10 Td (out ) Tj ET Q q 0 0 0 rg BT 465.00 133.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.95 133.10 Td (available ) Tj ET Q q 0 0 0 rg BT 514.66 133.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 553.66 133.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (would ) Tj ET Q q 0 0 0 rg BT 77.84 121.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 102.89 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.95 121.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 161.36 121.10 Td (to ) Tj ET Q q 0 0 0 rg BT 171.98 121.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 188.15 121.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.77 121.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 221.05 121.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 264.98 121.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 306.71 121.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 336.21 121.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 393.75 121.10 Td (In ) Tj ET Q q 0 0 0 rg BT 404.93 121.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 443.04 121.10 Td (our ) Tj ET Q q 0 0 0 rg BT 459.22 121.10 Td (right, ) Tj ET Q q 0 0 0 rg BT 483.45 121.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.73 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.79 121.10 Td (right ) Tj ET Q q 0 0 0 rg BT 537.52 121.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.69 121.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 103.59 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 121.08 109.10 Td (creditors, ) Tj ET Q q 0 0 0 rg BT 161.61 109.10 Td (to ) Tj ET Q q 0 0 0 rg BT 172.44 109.10 Td (participate ) Tj ET Q q 0 0 0 rg BT 217.69 109.10 Td (in ) Tj ET Q q 0 0 0 rg BT 228.52 109.10 Td (any ) Tj ET Q q 0 0 0 rg BT 246.01 109.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 295.17 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.55 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.82 109.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 348.20 109.10 Td (or ) Tj ET Q q 0 0 0 rg BT 359.58 109.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 396.51 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.89 109.10 Td (our ) Tj ET Q q 0 0 0 rg BT 424.27 109.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 446.76 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.25 109.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 505.07 109.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 555.34 109.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (further ) Tj ET Q q 0 0 0 rg BT 79.71 97.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 110.53 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.81 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.53 97.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 157.47 97.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 186.07 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.90 97.10 Td (creditors ) Tj ET Q q 0 0 0 rg BT 234.38 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.21 97.10 Td (our ) Tj ET Q q 0 0 0 rg BT 261.04 97.10 Td (subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.88 76.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 97.76 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.87 76.10 Td (declare ) Tj ET Q q 0 0 0 rg BT 141.06 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.83 76.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 176.60 76.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 218.82 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.93 76.10 Td (our ) Tj ET Q q 0 0 0 rg BT 246.59 76.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 300.45 76.10 Td (is ) Tj ET Q q 0 0 0 rg BT 310.45 76.10 Td (similarly ) Tj ET Q q 0 0 0 rg BT 349.34 76.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 381.00 76.10 Td (by ) Tj ET Q q 0 0 0 rg BT 394.33 76.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 425.41 76.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 460.96 76.10 Td (law ) Tj ET Q q 0 0 0 rg BT 478.73 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.49 76.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 529.81 76.10 Td (Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 97.46 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.92 64.10 Td (policy) Tj ET Q q 0 0 0 rg BT 139.27 64.10 Td (. ) Tj ET Q q 0 0 0 rg BT 144.79 64.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.81 64.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 180.82 64.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 216.05 64.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 244.07 64.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 281.54 64.10 Td (that ) Tj ET Q q 0 0 0 rg BT 299.55 64.10 Td (a ) Tj ET Q q 0 0 0 rg BT 307.02 64.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 329.48 64.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 363.06 64.10 Td (company ) Tj ET Q q 0 0 0 rg BT 402.74 64.10 Td (should ) Tj ET Q q 0 0 0 rg BT 432.43 64.10 Td (not ) Tj ET Q q 0 0 0 rg BT 448.23 64.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 465.70 64.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 507.61 64.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 535.63 64.10 Td (\(1\)the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 72.39 52.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 105.91 52.10 Td (company's ) Tj ET Q q 0 0 0 rg BT 151.21 52.10 Td (net ) Tj ET Q q 0 0 0 rg BT 166.38 52.10 Td (income ) Tj ET Q q 0 0 0 rg BT 198.77 52.10 Td (over ) Tj ET Q q 0 0 0 rg BT 219.50 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.67 52.10 Td (last ) Tj ET Q q 0 0 0 rg BT 251.51 52.10 Td (four ) Tj ET Q q 0 0 0 rg BT 271.13 52.10 Td (quarters ) Tj ET Q q 0 0 0 rg BT 306.29 52.10 Td (\(net ) Tj ET Q q 0 0 0 rg BT 324.79 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.08 52.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 377.92 52.10 Td (paid\) ) Tj ET Q q 0 0 0 rg BT 401.42 52.10 Td (is ) Tj ET Q q 0 0 0 rg BT 411.05 52.10 Td (suf) Tj ET Q q 0 0 0 rg BT 423.09 52.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 451.59 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 462.32 52.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 484.16 52.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 505.45 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.62 52.10 Td (dividends, ) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (12) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (\(2\)the ) Tj ET Q q 0 0 0 rg BT 78.27 742.10 Td (prospective ) Tj ET Q q 0 0 0 rg BT 126.26 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 143.14 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.36 742.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 189.13 742.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 226.57 742.10 Td (appears ) Tj ET Q q 0 0 0 rg BT 259.00 742.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 300.89 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 320.56 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.67 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 363.21 742.10 Td (needs, ) Tj ET Q q 0 0 0 rg BT 390.37 742.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 411.71 742.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 441.37 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.71 742.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 487.36 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.24 742.10 Td (condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.49 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.86 730.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 99.46 730.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 133.17 730.10 Td (company ) Tj ET Q q 0 0 0 rg BT 172.98 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.58 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 203.18 730.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 253.55 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.15 730.10 Td (\(3\)the ) Tj ET Q q 0 0 0 rg BT 300.68 730.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 323.28 730.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 356.99 730.10 Td (company ) Tj ET Q q 0 0 0 rg BT 396.80 730.10 Td (will ) Tj ET Q q 0 0 0 rg BT 415.52 730.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 453.11 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.04 730.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 486.63 730.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 528.68 730.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.23 718.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 119.57 718.10 Td (ratios. ) Tj ET Q q 0 0 0 rg BT 146.69 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 164.82 718.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 192.40 718.10 Td (also ) Tj ET Q q 0 0 0 rg BT 211.09 718.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 248.11 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 265.69 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.72 718.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 294.74 718.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 327.88 718.10 Td (company ) Tj ET Q q 0 0 0 rg BT 367.12 718.10 Td (should ) Tj ET Q q 0 0 0 rg BT 396.38 718.10 Td (inform ) Tj ET Q q 0 0 0 rg BT 426.18 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.98 718.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 473.55 718.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 508.34 718.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 554.24 718.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 85.20 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.98 706.10 Td (declaring ) Tj ET Q q 0 0 0 rg BT 135.63 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 146.41 706.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 176.07 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 182.96 706.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 220.40 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 237.84 706.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 271.94 706.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 308.26 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 322.37 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.03 706.10 Td (period ) Tj ET Q q 0 0 0 rg BT 365.03 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 379.14 706.10 Td (which ) Tj ET Q q 0 0 0 rg BT 406.02 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.69 706.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 458.13 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 467.25 706.10 Td (being ) Tj ET Q q 0 0 0 rg BT 491.91 706.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 511.58 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 522.35 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 539.80 706.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (result ) Tj ET Q q 0 0 0 rg BT 74.62 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 84.80 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 91.64 694.10 Td (material ) Tj ET Q q 0 0 0 rg BT 126.80 694.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 159.74 694.10 Td (change ) Tj ET Q q 0 0 0 rg BT 190.46 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.64 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.26 694.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 237.10 694.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 270.06 694.10 Td (company's ) Tj ET Q q 0 0 0 rg BT 314.81 694.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 343.86 694.10 Td (structure. ) Tj ET Q q 0 0 0 rg BT 383.75 694.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 407.26 694.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 440.22 694.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 485.39 694.10 Td (also ) Tj ET Q q 0 0 0 rg BT 503.90 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 518.51 694.10 Td (required ) Tj ET Q q 0 0 0 rg BT 554.22 694.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (consult ) Tj ET Q q 0 0 0 rg BT 81.07 682.10 Td (with ) Tj ET Q q 0 0 0 rg BT 101.04 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.44 682.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 147.61 682.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 182.00 682.10 Td (before ) Tj ET Q q 0 0 0 rg BT 209.72 682.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 253.00 682.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 294.07 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.59 682.10 Td (redeeming ) Tj ET Q q 0 0 0 rg BT 348.97 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 359.49 682.10 Td (repurchasing ) Tj ET Q q 0 0 0 rg BT 413.32 682.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 442.16 682.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 493.51 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.21 682.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 545.11 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 549.80 682.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.28 670.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 116.79 670.10 Td (could ) Tj ET Q q 0 0 0 rg BT 141.30 670.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 175.26 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 185.89 670.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 207.08 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.59 670.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 258.33 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.95 670.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 310.14 670.10 Td (by ) Tj ET Q q 0 0 0 rg BT 322.43 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 329.17 670.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 350.91 670.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 383.76 670.10 Td (company ) Tj ET Q q 0 0 0 rg BT 422.71 670.10 Td (if ) Tj ET Q q 0 0 0 rg BT 431.12 670.10 Td (it ) Tj ET Q q 0 0 0 rg BT 438.97 670.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 485.14 670.10 Td (that ) Tj ET Q q 0 0 0 rg BT 502.43 670.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 539.17 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 670.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 87.50 658.10 Td (would ) Tj ET Q q 0 0 0 rg BT 115.00 658.10 Td (constitute ) Tj ET Q q 0 0 0 rg BT 156.38 658.10 Td (an ) Tj ET Q q 0 0 0 rg BT 168.32 658.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 196.91 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.74 658.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 244.14 658.10 Td (practice.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.57 637.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 100.08 637.10 Td (under ) Tj ET Q q 0 0 0 rg BT 126.09 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.55 637.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 167.00 637.10 Td (III ) Tj ET Q q 0 0 0 rg BT 180.23 637.10 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 204.86 637.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 252.55 637.10 Td (that ) Tj ET Q q 0 0 0 rg BT 270.79 637.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 291.80 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.25 637.10 Td (freedom ) Tj ET Q q 0 0 0 rg BT 343.81 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.83 637.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 372.50 637.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 414.63 637.10 Td (will ) Tj ET Q q 0 0 0 rg BT 433.43 637.10 Td (have ) Tj ET Q q 0 0 0 rg BT 455.54 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 466.56 637.10 Td ( ) Tj ET Q q 0 0 0 rg BT 469.80 637.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 508.03 637.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 532.10 637.10 Td (of ) Tj ET Q q 0 0 0 rg BT 543.67 637.10 Td (risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 88.66 625.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 113.99 625.10 Td (in ) Tj ET Q q 0 0 0 rg BT 123.77 625.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 163.00 625.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 191.53 625.10 Td (T) Tj ET Q q 0 0 0 rg BT 197.28 625.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 209.83 625.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 216.84 625.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 264.38 625.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.16 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.38 625.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 317.03 625.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 370.13 625.10 Td (buf) Tj ET Q q 0 0 0 rg BT 383.28 625.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 396.38 625.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.16 625.10 Td (be ) Tj ET Q q 0 0 0 rg BT 417.61 625.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 447.38 625.10 Td (in ) Tj ET Q q 0 0 0 rg BT 457.16 625.10 Td (over ) Tj ET Q q 0 0 0 rg BT 476.93 625.10 Td (three ) Tj ET Q q 0 0 0 rg BT 498.92 625.10 Td (years ) Tj ET Q q 0 0 0 rg BT 522.02 625.10 Td (beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.83 613.10 Td (2016. ) Tj ET Q q 0 0 0 rg BT 84.38 613.10 Td (For ) Tj ET Q q 0 0 0 rg BT 100.32 613.10 Td (more ) Tj ET Q q 0 0 0 rg BT 122.92 613.10 Td (information ) Tj ET Q q 0 0 0 rg BT 172.18 613.10 Td (on ) Tj ET Q q 0 0 0 rg BT 184.23 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.50 613.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 227.20 613.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 280.35 613.10 Td (buf) Tj ET Q q 0 0 0 rg BT 293.50 613.10 Td (fer) Tj ET Q q 0 0 0 rg BT 304.19 613.10 Td (, ) Tj ET Q q 0 0 0 rg BT 308.75 613.10 Td (see ) Tj ET Q q 0 0 0 rg BT 323.56 613.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 343.94 613.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 350.99 613.10 Td (Management's ) Tj ET Q q 0 0 0 rg BT 415.38 613.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 461.32 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.35 613.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 514.41 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.79 613.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 92.50 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.44 601.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 141.39 601.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.22 601.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 198.60 601.10 Td (- ) Tj ET Q q 0 0 0 rg BT 204.43 601.10 Td (Overview ) Tj ET Q q 0 0 0 rg BT 246.36 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.30 601.10 Td (Strategy ) Tj ET Q q 0 0 0 rg BT 299.12 601.10 Td (- ) Tj ET Q q 0 0 0 rg BT 304.95 601.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 344.66 601.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 391.60 601.10 Td (Reform.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (FDICIA) Tj ET Q q 0 0 0 rg BT 82.59 580.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.09 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.59 580.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 112.22 580.10 Td (ompt ) Tj ET Q q 0 0 0 rg BT 134.72 580.10 Td (Corr) Tj ET Q q 0 0 0 rg BT 153.80 580.10 Td (ective ) Tj ET Q q 0 0 0 rg BT 179.43 580.10 Td (Action) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.69 559.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 99.82 559.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 133.07 559.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 174.08 559.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 224.55 559.10 Td (Improvement ) Tj ET Q q 0 0 0 rg BT 280.09 559.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 296.68 559.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.15 559.10 Td (1991 ) Tj ET Q q 0 0 0 rg BT 329.29 559.10 Td (\(FDICIA\), ) Tj ET Q q 0 0 0 rg BT 382.81 559.10 Td (among ) Tj ET Q q 0 0 0 rg BT 412.17 559.10 Td (other ) Tj ET Q q 0 0 0 rg BT 434.86 559.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 463.95 559.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 498.30 559.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.66 559.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 542.56 559.10 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.31 547.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 129.95 547.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.95 547.10 Td (take ) Tj ET Q q 0 0 0 rg BT 158.82 547.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 194.36 547.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 236.55 547.10 Td (action ) Tj ET Q q 0 0 0 rg BT 267.64 547.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 308.17 547.10 Td (FDIC-insured ) Tj ET Q q 0 0 0 rg BT 365.94 547.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 410.37 547.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 457.04 547.10 Td (that ) Tj ET Q q 0 0 0 rg BT 474.25 547.10 Td (do ) Tj ET Q q 0 0 0 rg BT 486.47 547.10 Td (not ) Tj ET Q q 0 0 0 rg BT 501.46 547.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 523.12 547.10 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 78.63 535.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 135.32 535.10 Td ( ) Tj ET Q q 0 0 0 rg BT 137.30 535.10 Td (Depository ) Tj ET Q q 0 0 0 rg BT 183.72 535.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 230.15 535.10 Td (are ) Tj ET Q q 0 0 0 rg BT 244.34 535.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 272.42 535.10 Td (into ) Tj ET Q q 0 0 0 rg BT 289.95 535.10 Td (one ) Tj ET Q q 0 0 0 rg BT 306.37 535.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.68 535.10 Td (five ) Tj ET Q q 0 0 0 rg BT 334.21 535.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 362.84 535.10 Td (tiers: ) Tj ET Q q 0 0 0 rg BT 384.82 535.10 Td (well-capitalized, ) Tj ET Q q 0 0 0 rg BT 462.03 535.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 511.76 535.10 Td (capitalized, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (undercapitalized, ) Tj ET Q q 0 0 0 rg BT 130.94 523.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 188.86 523.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 262.86 523.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.79 523.10 Td (critically ) Tj ET Q q 0 0 0 rg BT 324.25 523.10 Td (undercapitalized. ) Tj ET Q q 0 0 0 rg BT 399.98 523.10 Td (An ) Tj ET Q q 0 0 0 rg BT 415.69 523.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 459.74 523.10 Td (that ) Tj ET Q q 0 0 0 rg BT 478.23 523.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 498.93 523.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.20 523.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 541.45 523.10 Td (well-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 95.94 511.10 Td (will ) Tj ET Q q 0 0 0 rg BT 114.13 511.10 Td (be ) Tj ET Q q 0 0 0 rg BT 126.20 511.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 157.16 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.58 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 174.65 511.10 Td (series ) Tj ET Q q 0 0 0 rg BT 200.05 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.02 511.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 258.08 511.10 Td (that ) Tj ET Q q 0 0 0 rg BT 275.71 511.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 311.10 511.10 Td (as ) Tj ET Q q 0 0 0 rg BT 322.07 511.10 Td (its ) Tj ET Q q 0 0 0 rg BT 334.15 511.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 363.43 511.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 403.84 511.10 Td (worsens. ) Tj ET Q q 0 0 0 rg BT 441.75 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 444.38 511.10 Td (For ) Tj ET Q q 0 0 0 rg BT 460.91 511.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 499.91 511.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 547.00 511.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.89 499.10 Td (less ) Tj ET Q q 0 0 0 rg BT 82.57 499.10 Td (than ) Tj ET Q q 0 0 0 rg BT 102.47 499.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 169.00 499.10 Td (are ) Tj ET Q q 0 0 0 rg BT 183.89 499.10 Td (barred ) Tj ET Q q 0 0 0 rg BT 212.11 499.10 Td (from ) Tj ET Q q 0 0 0 rg BT 234.23 499.10 Td (soliciting, ) Tj ET Q q 0 0 0 rg BT 276.64 499.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 304.31 499.10 Td (or ) Tj ET Q q 0 0 0 rg BT 315.33 499.10 Td (rolling ) Tj ET Q q 0 0 0 rg BT 344.67 499.10 Td (over ) Tj ET Q q 0 0 0 rg BT 365.13 499.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 403.34 499.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 441.30 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 443.99 499.10 Td (FDICIA) Tj ET Q q 0 0 0 rg BT 476.77 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 479.45 499.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 519.34 499.10 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 557.58 499.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 94.71 487.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 137.76 487.10 Td (from ) Tj ET Q q 0 0 0 rg BT 159.69 487.10 Td (making ) Tj ET Q q 0 0 0 rg BT 192.18 487.10 Td (any ) Tj ET Q q 0 0 0 rg BT 209.11 487.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 238.25 487.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 286.86 487.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 330.45 487.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 367.38 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.20 487.10 Td (a ) Tj ET Q q 0 0 0 rg BT 385.13 487.10 Td (dividend\) ) Tj ET Q q 0 0 0 rg BT 425.95 487.10 Td (if ) Tj ET Q q 0 0 0 rg BT 434.55 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.25 487.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 493.96 487.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 537.02 487.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.29 475.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 129.22 475.10 Td (thereafter) Tj ET Q q 0 0 0 rg BT 166.97 475.10 Td (. ) Tj ET Q q 0 0 0 rg BT 171.32 475.10 Td ( ) Tj ET Q q 0 0 0 rg BT 173.17 475.10 Td (Undercapitalized ) Tj ET Q q 0 0 0 rg BT 243.32 475.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 287.39 475.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 333.70 475.10 Td (are ) Tj ET Q q 0 0 0 rg BT 347.76 475.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 377.94 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.57 475.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 417.75 475.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 462.38 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.67 475.10 Td (must ) Tj ET Q q 0 0 0 rg BT 499.98 475.10 Td (submit ) Tj ET Q q 0 0 0 rg BT 529.06 475.10 Td (a ) Tj ET Q q 0 0 0 rg BT 535.35 475.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (restoration ) Tj ET Q q 0 0 0 rg BT 95.61 463.10 Td (plan, ) Tj ET Q q 0 0 0 rg BT 118.18 463.10 Td (which ) Tj ET Q q 0 0 0 rg BT 145.47 463.10 Td (must ) Tj ET Q q 0 0 0 rg BT 167.77 463.10 Td (be ) Tj ET Q q 0 0 0 rg BT 180.06 463.10 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 226.77 463.10 Td (by ) Tj ET Q q 0 0 0 rg BT 239.62 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.69 463.10 Td (institution's ) Tj ET Q q 0 0 0 rg BT 303.79 463.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 337.20 463.10 Td (company) Tj ET Q q 0 0 0 rg BT 373.21 463.10 Td (. ) Tj ET Q q 0 0 0 rg BT 378.56 463.10 Td ( ) Tj ET Q q 0 0 0 rg BT 381.41 463.10 Td (In ) Tj ET Q q 0 0 0 rg BT 392.59 463.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 430.71 463.10 Td (an ) Tj ET Q q 0 0 0 rg BT 443.00 463.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 511.93 463.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 555.34 463.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 81.83 451.10 Td (to ) Tj ET Q q 0 0 0 rg BT 93.11 451.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 134.36 451.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 182.30 451.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.24 451.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 223.18 451.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 255.01 451.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 302.95 451.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.89 451.10 Td (is ) Tj ET Q q 0 0 0 rg BT 331.06 451.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 362.89 451.10 Td (to ) Tj ET Q q 0 0 0 rg BT 374.17 451.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 405.42 451.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 450.01 451.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 488.50 451.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 546.45 451.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (FDICIA) Tj ET Q q 0 0 0 rg BT 82.78 439.10 Td ( ) Tj ET Q q 0 0 0 rg BT 84.07 439.10 Td (also ) Tj ET Q q 0 0 0 rg BT 101.46 439.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 137.18 439.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.12 439.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 189.16 439.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 237.10 439.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 274.49 439.10 Td (over ) Tj ET Q q 0 0 0 rg BT 293.54 439.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 360.90 439.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 409.14 439.10 Td (including ) Tj ET Q q 0 0 0 rg BT 448.19 439.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 485.58 439.10 Td (for ) Tj ET Q q 0 0 0 rg BT 498.52 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.02 439.10 Td (appointment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.57 427.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.24 427.10 Td (conservator ) Tj ET Q q 0 0 0 rg BT 116.12 427.10 Td (or ) Tj ET Q q 0 0 0 rg BT 126.69 427.10 Td (receiver ) Tj ET Q q 0 0 0 rg BT 161.11 427.10 Td (for ) Tj ET Q q 0 0 0 rg BT 175.01 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.46 427.10 Td (institution. ) Tj ET Q q 0 0 0 rg BT 234.76 427.10 Td (Guidance ) Tj ET Q q 0 0 0 rg BT 275.31 427.10 Td (from ) Tj ET Q q 0 0 0 rg BT 296.98 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.43 427.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 341.42 427.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 375.88 427.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 412.54 427.10 Td (also ) Tj ET Q q 0 0 0 rg BT 430.88 427.10 Td (indicates ) Tj ET Q q 0 0 0 rg BT 468.66 427.10 Td (that ) Tj ET Q q 0 0 0 rg BT 485.89 427.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.56 427.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 525.35 427.10 Td (company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (may ) Tj ET Q q 0 0 0 rg BT 70.37 415.10 Td (be ) Tj ET Q q 0 0 0 rg BT 82.96 415.10 Td (required ) Tj ET Q q 0 0 0 rg BT 119.43 415.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.36 415.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 164.06 415.10 Td (assurances ) Tj ET Q q 0 0 0 rg BT 209.97 415.10 Td (that ) Tj ET Q q 0 0 0 rg BT 228.12 415.10 Td (a ) Tj ET Q q 0 0 0 rg BT 235.71 415.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 279.98 415.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 302.57 415.10 Td (will ) Tj ET Q q 0 0 0 rg BT 321.28 415.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 354.43 415.10 Td (with ) Tj ET Q q 0 0 0 rg BT 375.36 415.10 Td (any ) Tj ET Q q 0 0 0 rg BT 392.95 415.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 448.31 415.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 485.35 415.10 Td (on ) Tj ET Q q 0 0 0 rg BT 498.50 415.10 Td (it ) Tj ET Q q 0 0 0 rg BT 507.21 415.10 Td (under ) Tj ET Q q 0 0 0 rg BT 533.13 415.10 Td (prompt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 92.47 403.10 Td (action.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.54 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 70.40 382.10 Td (result ) Tj ET Q q 0 0 0 rg BT 95.05 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.80 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.44 382.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 171.22 382.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 190.58 382.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 212.44 382.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 245.43 382.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 290.62 382.10 Td (will ) Tj ET Q q 0 0 0 rg BT 308.60 382.10 Td (be ) Tj ET Q q 0 0 0 rg BT 320.46 382.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 351.21 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.42 382.10 Td (an ) Tj ET Q q 0 0 0 rg BT 373.28 382.10 Td (early ) Tj ET Q q 0 0 0 rg BT 400.13 382.10 Td (remediation ) Tj ET Q q 0 0 0 rg BT 454.76 382.10 Td (regime ) Tj ET Q q 0 0 0 rg BT 484.94 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 502.37 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 511.46 382.10 Td (substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 80.88 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.77 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.09 370.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 139.08 370.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 182.16 370.10 Td (action ) Tj ET Q q 0 0 0 rg BT 209.70 370.10 Td (regime ) Tj ET Q q 0 0 0 rg BT 240.57 370.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 284.77 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.65 370.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 324.59 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 327.47 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.13 370.10 Td (remedial ) Tj ET Q q 0 0 0 rg BT 384.21 370.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 415.65 370.10 Td (also ) Tj ET Q q 0 0 0 rg BT 434.86 370.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 470.72 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 482.16 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.48 370.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 538.36 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 370.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 83.86 358.10 Td (company ) Tj ET Q q 0 0 0 rg BT 123.83 358.10 Td (deteriorates, ) Tj ET Q q 0 0 0 rg BT 176.27 358.10 Td (although ) Tj ET Q q 0 0 0 rg BT 214.58 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.10 358.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 270.07 358.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 303.93 358.10 Td (company ) Tj ET Q q 0 0 0 rg BT 343.89 358.10 Td (regime ) Tj ET Q q 0 0 0 rg BT 374.96 358.10 Td (would ) Tj ET Q q 0 0 0 rg BT 403.27 358.10 Td (use ) Tj ET Q q 0 0 0 rg BT 419.91 358.10 Td (several ) Tj ET Q q 0 0 0 rg BT 451.53 358.10 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 520.38 358.10 Td (triggers ) Tj ET Q q 0 0 0 rg BT 554.23 358.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 83.63 346.10 Td (when ) Tj ET Q q 0 0 0 rg BT 107.81 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.78 346.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 147.86 346.10 Td (company ) Tj ET Q q 0 0 0 rg BT 187.04 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 196.23 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 206.53 346.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 242.38 346.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 285.18 346.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 317.14 346.10 Td (just ) Tj ET Q q 0 0 0 rg BT 334.12 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.86 346.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 378.03 346.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 402.77 346.10 Td (used ) Tj ET Q q 0 0 0 rg BT 423.63 346.10 Td (under ) Tj ET Q q 0 0 0 rg BT 448.92 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.66 346.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 495.07 346.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 537.57 346.10 Td (action ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (regime.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.39 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 73.99 313.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.34 313.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 154.62 313.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.33 313.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 196.10 313.10 Td (each ) Tj ET Q q 0 0 0 rg BT 216.69 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.29 313.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.78 313.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 288.63 313.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 314.23 313.10 Td (was ) Tj ET Q q 0 0 0 rg BT 332.05 313.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 380.40 313.10 Td (as ) Tj ET Q q 0 0 0 rg BT 391.01 313.10 Td (well-capitalized. ) Tj ET Q q 0 0 0 rg BT 468.51 313.10 Td (In ) Tj ET Q q 0 0 0 rg BT 479.11 313.10 Td (order ) Tj ET Q q 0 0 0 rg BT 502.48 313.10 Td (to ) Tj ET Q q 0 0 0 rg BT 512.53 313.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 549.79 313.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.96 301.10 Td (designation ) Tj ET Q q 0 0 0 rg BT 145.44 301.10 Td (as ) Tj ET Q q 0 0 0 rg BT 156.14 301.10 Td (a ) Tj ET Q q 0 0 0 rg BT 162.96 301.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 200.32 301.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 233.25 301.10 Td (company) Tj ET Q q 0 0 0 rg BT 269.26 301.10 Td (, ) Tj ET Q q 0 0 0 rg BT 274.13 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.73 301.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 329.99 301.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.81 301.10 Td (each ) Tj ET Q q 0 0 0 rg BT 367.50 301.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.21 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.80 301.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 418.51 301.10 Td (is ) Tj ET Q q 0 0 0 rg BT 427.55 301.10 Td (required ) Tj ET Q q 0 0 0 rg BT 463.25 301.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.40 301.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 510.77 301.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 539.80 301.10 Td (ratios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.26 289.10 Td (or ) Tj ET Q q 0 0 0 rg BT 69.63 289.10 Td (above ) Tj ET Q q 0 0 0 rg BT 95.55 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.81 289.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 184.58 289.10 Td (levels. ) Tj ET Q q 0 0 0 rg BT 212.45 289.10 Td ( ) Tj ET Q q 0 0 0 rg BT 214.49 289.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 268.74 289.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.45 289.10 Td (committed ) Tj ET Q q 0 0 0 rg BT 322.26 289.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.08 289.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 381.89 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.15 289.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 442.77 289.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 471.47 289.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 496.83 289.10 Td (above ) Tj ET Q q 0 0 0 rg BT 522.75 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.01 289.10 Td (well-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 100.24 277.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 126.07 277.10 Td (established ) Tj ET Q q 0 0 0 rg BT 173.00 277.10 Td (by ) Tj ET Q q 0 0 0 rg BT 185.50 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.22 277.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 232.71 277.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 267.41 277.10 Td (for ) Tj ET Q q 0 0 0 rg BT 281.57 277.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 303.51 277.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 336.57 277.10 Td (companies.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Enfor) Tj ET Q q 0 0 0 rg BT 72.41 256.10 Td (cement ) Tj ET Q q 0 0 0 rg BT 103.04 256.10 Td (Authority) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.06 235.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 98.33 235.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 120.28 235.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 163.88 235.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 200.82 235.10 Td (have ) Tj ET Q q 0 0 0 rg BT 222.21 235.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 247.49 235.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 286.10 235.10 Td (to ) Tj ET Q q 0 0 0 rg BT 296.39 235.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 318.91 235.10 Td (orders ) Tj ET Q q 0 0 0 rg BT 346.41 235.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.70 235.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 401.43 235.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 448.39 235.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.34 235.10 Td (their ) Tj ET Q q 0 0 0 rg BT 486.18 235.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 519.25 235.10 Td (companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (prohibiting ) Tj ET Q q 0 0 0 rg BT 96.53 223.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 134.71 223.10 Td (that ) Tj ET Q q 0 0 0 rg BT 151.78 223.10 Td (constitute ) Tj ET Q q 0 0 0 rg BT 192.75 223.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 234.27 223.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.69 223.10 Td (law) Tj ET Q q 0 0 0 rg BT 258.48 223.10 Td (, ) Tj ET Q q 0 0 0 rg BT 263.06 223.10 Td (rule, ) Tj ET Q q 0 0 0 rg BT 283.19 223.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 328.31 223.10 Td (or ) Tj ET Q q 0 0 0 rg BT 338.73 223.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 398.02 223.10 Td (order) Tj ET Q q 0 0 0 rg BT 418.71 223.10 Td (, ) Tj ET Q q 0 0 0 rg BT 423.30 223.10 Td (or ) Tj ET Q q 0 0 0 rg BT 433.71 223.10 Td (that ) Tj ET Q q 0 0 0 rg BT 450.79 223.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 489.51 223.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 517.70 223.10 Td (or ) Tj ET Q q 0 0 0 rg BT 528.11 223.10 Td (unsound ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.91 211.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 125.64 211.10 Td (as ) Tj ET Q q 0 0 0 rg BT 136.67 211.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 184.35 211.10 Td (by ) Tj ET Q q 0 0 0 rg BT 197.04 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.96 211.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 242.41 211.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 277.32 211.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 316.94 211.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.44 211.10 Td (The ) Tj ET Q q 0 0 0 rg BT 337.69 211.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 368.14 211.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 403.05 211.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 440.17 211.10 Td (also ) Tj ET Q q 0 0 0 rg BT 458.98 211.10 Td (are ) Tj ET Q q 0 0 0 rg BT 473.88 211.10 Td (empowered ) Tj ET Q q 0 0 0 rg BT 523.22 211.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.70 211.10 Td (require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 199.10 Td (firmative ) Tj ET Q q 0 0 0 rg BT 96.34 199.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 126.77 199.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.65 199.10 Td (correct ) Tj ET Q q 0 0 0 rg BT 166.50 199.10 Td (any ) Tj ET Q q 0 0 0 rg BT 183.04 199.10 Td (violation ) Tj ET Q q 0 0 0 rg BT 220.70 199.10 Td (or ) Tj ET Q q 0 0 0 rg BT 231.13 199.10 Td (practice; ) Tj ET Q q 0 0 0 rg BT 267.65 199.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 289.75 199.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 349.06 199.10 Td (orders ) Tj ET Q q 0 0 0 rg BT 376.15 199.10 Td (that ) Tj ET Q q 0 0 0 rg BT 393.25 199.10 Td (can ) Tj ET Q q 0 0 0 rg BT 409.23 199.10 Td (be ) Tj ET Q q 0 0 0 rg BT 420.77 199.10 Td (judicially ) Tj ET Q q 0 0 0 rg BT 460.64 199.10 Td (enforced; ) Tj ET Q q 0 0 0 rg BT 500.50 199.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 525.36 199.10 Td (increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.48 187.10 Td (capital; ) Tj ET Q q 0 0 0 rg BT 92.61 187.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 114.20 187.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 155.78 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.92 187.10 Td (distributions; ) Tj ET Q q 0 0 0 rg BT 228.40 187.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 258.87 187.10 Td (growth; ) Tj ET Q q 0 0 0 rg BT 292.67 187.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 319.82 187.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 340.29 187.10 Td (money ) Tj ET Q q 0 0 0 rg BT 370.20 187.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 408.45 187.10 Td (against ) Tj ET Q q 0 0 0 rg BT 439.47 187.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 486.62 187.10 Td (or ) Tj ET Q q 0 0 0 rg BT 497.65 187.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 544.79 187.10 Td (who ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (violate ) Tj ET Q q 0 0 0 rg BT 80.04 175.10 Td (any ) Tj ET Q q 0 0 0 rg BT 97.30 175.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 120.95 175.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 170.71 175.10 Td (orders, ) Tj ET Q q 0 0 0 rg BT 201.02 175.10 Td (or ) Tj ET Q q 0 0 0 rg BT 212.18 175.10 Td (written ) Tj ET Q q 0 0 0 rg BT 243.33 175.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 291.68 175.10 Td (with ) Tj ET Q q 0 0 0 rg BT 312.28 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.32 175.10 Td (agencies; ) Tj ET Q q 0 0 0 rg BT 367.35 175.10 Td (order ) Tj ET Q q 0 0 0 rg BT 391.27 175.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 440.19 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 451.35 175.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 481.37 175.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 520.30 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 531.45 175.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 94.47 163.10 Td (or ) Tj ET Q q 0 0 0 rg BT 104.51 163.10 Td (their ) Tj ET Q q 0 0 0 rg BT 124.54 163.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 164.01 163.10 Td (subsidiaries; ) Tj ET Q q 0 0 0 rg BT 215.72 163.10 Td (remove ) Tj ET Q q 0 0 0 rg BT 247.41 163.10 Td (of) Tj ET Q q 0 0 0 rg BT 255.56 163.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 279.47 163.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.62 163.10 Td (directors; ) Tj ET Q q 0 0 0 rg BT 335.09 163.10 Td (order ) Tj ET Q q 0 0 0 rg BT 357.89 163.10 Td (divestiture ) Tj ET Q q 0 0 0 rg BT 401.81 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.85 163.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 455.21 163.10 Td (or ) Tj ET Q q 0 0 0 rg BT 465.25 163.10 Td (control ) Tj ET Q q 0 0 0 rg BT 495.28 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.32 163.10 Td (a ) Tj ET Q q 0 0 0 rg BT 511.46 163.10 Td (non-banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 93.61 151.10 Td (by ) Tj ET Q q 0 0 0 rg BT 106.11 151.10 Td (a ) Tj ET Q q 0 0 0 rg BT 113.05 151.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 146.10 151.10 Td (company; ) Tj ET Q q 0 0 0 rg BT 188.04 151.10 Td (or ) Tj ET Q q 0 0 0 rg BT 198.87 151.10 Td (terminate ) Tj ET Q q 0 0 0 rg BT 239.13 151.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 270.51 151.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 311.33 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.27 151.10 Td (appoint ) Tj ET Q q 0 0 0 rg BT 360.76 151.10 Td (a ) Tj ET Q q 0 0 0 rg BT 367.70 151.10 Td (conservator ) Tj ET Q q 0 0 0 rg BT 416.85 151.10 Td (or ) Tj ET Q q 0 0 0 rg BT 427.68 151.10 Td (receiver) Tj ET Q q 0 0 0 rg BT 459.32 151.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (FDIA) Tj ET Q q 0 0 0 rg BT 72.59 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 75.09 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.59 130.10 Td (Safety ) Tj ET Q q 0 0 0 rg BT 119.52 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.02 130.10 Td (Soundness) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.77 109.10 Td (FDIA) Tj ET Q q 0 0 0 rg BT 90.56 109.10 Td ( ) Tj ET Q q 0 0 0 rg BT 92.78 109.10 Td (imposes ) Tj ET Q q 0 0 0 rg BT 127.79 109.10 Td (various ) Tj ET Q q 0 0 0 rg BT 159.45 109.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 213.88 109.10 Td (on ) Tj ET Q q 0 0 0 rg BT 226.10 109.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 257.77 109.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 302.21 109.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 351.39 109.10 Td (including ) Tj ET Q q 0 0 0 rg BT 391.39 109.10 Td (our ) Tj ET Q q 0 0 0 rg BT 406.94 109.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 450.28 109.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 478.33 109.10 Td ( ) Tj ET Q q 0 0 0 rg BT 480.07 109.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 512.29 109.10 Td (other ) Tj ET Q q 0 0 0 rg BT 535.06 109.10 Td (things, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.82 97.10 Td (FDIA) Tj ET Q q 0 0 0 rg BT 87.60 97.10 Td ( ) Tj ET Q q 0 0 0 rg BT 90.20 97.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 126.12 97.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 180.92 97.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 224.61 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.99 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.81 97.10 Td (closure ) Tj ET Q q 0 0 0 rg BT 281.28 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.21 97.10 Td (branches; ) Tj ET Q q 0 0 0 rg BT 333.13 97.10 Td (mer) Tj ET Q q 0 0 0 rg BT 348.49 97.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 363.86 97.10 Td (or ) Tj ET Q q 0 0 0 rg BT 374.79 97.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 431.27 97.10 Td (by ) Tj ET Q q 0 0 0 rg BT 443.87 97.10 Td (or ) Tj ET Q q 0 0 0 rg BT 454.80 97.10 Td (with ) Tj ET Q q 0 0 0 rg BT 475.17 97.10 Td (another ) Tj ET Q q 0 0 0 rg BT 507.76 97.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 539.80 97.10 Td (bank; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 92.11 85.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 138.67 85.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.56 85.10 Td (depositors ) Tj ET Q q 0 0 0 rg BT 191.79 85.10 Td (with ) Tj ET Q q 0 0 0 rg BT 211.69 85.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 242.12 85.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.02 85.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 276.36 85.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.92 85.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 324.47 85.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 345.46 85.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 388.67 85.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.57 85.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 429.58 85.10 Td (accounts; ) Tj ET Q q 0 0 0 rg BT 469.46 85.10 Td (uniform ) Tj ET Q q 0 0 0 rg BT 503.79 85.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 550.35 85.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 95.12 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.36 73.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 132.03 73.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 165.47 73.10 Td (by ) Tj ET Q q 0 0 0 rg BT 178.38 73.10 Td (real ) Tj ET Q q 0 0 0 rg BT 196.27 73.10 Td (estate; ) Tj ET Q q 0 0 0 rg BT 224.72 73.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 272.06 73.10 Td (on ) Tj ET Q q 0 0 0 rg BT 284.97 73.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 323.97 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.21 73.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.56 73.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 403.24 73.10 Td (by ) Tj ET Q q 0 0 0 rg BT 416.14 73.10 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 477.90 73.10 Td (banks; ) Tj ET Q q 0 0 0 rg BT 506.91 73.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.26 73.10 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.36 61.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 144.26 61.10 Td (on ) Tj ET Q q 0 0 0 rg BT 156.97 61.10 Td (agricultural ) Tj ET Q q 0 0 0 rg BT 205.76 61.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 229.57 61.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.71 61.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 270.52 61.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.00 61.10 Td (small ) Tj ET Q q 0 0 0 rg BT 305.37 61.10 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 352.79 61.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 380.49 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.41 61.10 Td (cross-guarantee ) Tj ET Q q 0 0 0 rg BT 469.73 61.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 510.21 61.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.24 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.16 61.10 Td (FDIA, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 49.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 82.78 49.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 128.34 49.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 176.13 49.10 Td (such ) Tj ET Q q 0 0 0 rg BT 197.80 49.10 Td (as ) Tj ET Q q 0 0 0 rg BT 209.48 49.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.03 49.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 269.48 49.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 296.15 49.10 Td (may ) Tj ET Q q 0 0 0 rg BT 316.71 49.10 Td (be ) Tj ET Q q 0 0 0 rg BT 329.49 49.10 Td (liable ) Tj ET Q q 0 0 0 rg BT 355.05 49.10 Td (to ) Tj ET Q q 0 0 0 rg BT 366.17 49.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.72 49.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 407.85 49.10 Td (for ) Tj ET Q q 0 0 0 rg BT 422.85 49.10 Td (any ) Tj ET Q q 0 0 0 rg BT 440.63 49.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 467.86 49.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 507.02 49.10 Td (or ) Tj ET Q q 0 0 0 rg BT 518.69 49.10 Td (reasonably ) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (13) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 87.74 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.72 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 109.36 742.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 147.38 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 159.59 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.01 742.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 199.00 742.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 236.20 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 257.84 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.26 742.10 Td (default ) Tj ET Q q 0 0 0 rg BT 302.23 742.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 315.26 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 325.80 742.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 350.79 742.10 Td (assistance ) Tj ET Q q 0 0 0 rg BT 392.98 742.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 405.46 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 422.10 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 444.85 742.10 Td (commonly ) Tj ET Q q 0 0 0 rg BT 489.83 742.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 532.58 742.10 Td (insured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 94.53 730.10 Td (institution. ) Tj ET Q q 0 0 0 rg BT 139.40 730.10 Td (All ) Tj ET Q q 0 0 0 rg BT 154.50 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.14 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 180.79 730.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 224.22 730.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 249.86 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 264.39 730.10 Td (commonly ) Tj ET Q q 0 0 0 rg BT 309.48 730.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 352.34 730.10 Td (within ) Tj ET Q q 0 0 0 rg BT 380.21 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.74 730.10 Td (meaning ) Tj ET Q q 0 0 0 rg BT 431.49 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.14 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.67 730.10 Td (cross-guarantee ) Tj ET Q q 0 0 0 rg BT 521.73 730.10 Td (provision.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.61 709.10 Td (FDIA) Tj ET Q q 0 0 0 rg BT 91.40 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.47 709.10 Td (also ) Tj ET Q q 0 0 0 rg BT 113.64 709.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 148.92 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.20 709.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 195.02 709.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 217.53 709.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 261.69 709.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 299.18 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 310.03 709.10 Td (prescribe ) Tj ET Q q 0 0 0 rg BT 349.74 709.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 390.58 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.98 709.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 428.92 709.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.43 709.10 Td (soundness, ) Tj ET Q q 0 0 0 rg BT 493.11 709.10 Td (by ) Tj ET Q q 0 0 0 rg BT 506.18 709.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 553.68 709.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (guidelines, ) Tj ET Q q 0 0 0 rg BT 98.94 697.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 134.82 697.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 177.36 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.48 697.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 237.47 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.24 697.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 316.17 697.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 340.95 697.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 377.11 697.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 401.89 697.10 Td (quality) Tj ET Q q 0 0 0 rg BT 429.01 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 436.85 697.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 478.57 697.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 505.01 697.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 547.56 697.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (compensation. ) Tj ET Q q 0 0 0 rg BT 110.26 685.10 Td (The ) Tj ET Q q 0 0 0 rg BT 128.19 685.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 158.33 685.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 180.16 685.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 223.64 685.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 260.45 685.10 Td (have ) Tj ET Q q 0 0 0 rg BT 281.71 685.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 315.75 685.10 Td (a ) Tj ET Q q 0 0 0 rg BT 322.58 685.10 Td (set ) Tj ET Q q 0 0 0 rg BT 336.07 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.79 685.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 390.28 685.10 Td (prescribing ) Tj ET Q q 0 0 0 rg BT 437.65 685.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 463.92 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.74 685.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 524.24 685.10 Td (standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 85.79 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.92 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.50 673.10 Td (FDIA. ) Tj ET Q q 0 0 0 rg BT 135.59 673.10 Td (The ) Tj ET Q q 0 0 0 rg BT 152.49 673.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 194.94 673.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 231.29 673.10 Td (general ) Tj ET Q q 0 0 0 rg BT 262.07 673.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 301.19 673.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 333.09 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.22 673.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 374.12 673.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 407.69 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.48 673.10 Td (information ) Tj ET Q q 0 0 0 rg BT 472.05 673.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 507.57 673.10 Td (informational ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (security) Tj ET Q q 0 0 0 rg BT 81.01 661.10 Td (, ) Tj ET Q q 0 0 0 rg BT 85.79 661.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 118.61 661.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 140.89 661.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 177.34 661.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 196.84 661.10 Td (documentation, ) Tj ET Q q 0 0 0 rg BT 261.05 661.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 286.10 661.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 342.54 661.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 374.26 661.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 391.52 661.10 Td (exposure, ) Tj ET Q q 0 0 0 rg BT 432.40 661.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 454.13 661.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 487.24 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.96 661.10 Td (compensation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 68.33 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 85.00 649.10 Td (benefits. ) Tj ET Q q 0 0 0 rg BT 121.22 649.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.99 649.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 182.33 649.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 216.22 649.10 Td (excessive ) Tj ET Q q 0 0 0 rg BT 256.77 649.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 314.54 649.10 Td (as ) Tj ET Q q 0 0 0 rg BT 325.10 649.10 Td (an ) Tj ET Q q 0 0 0 rg BT 336.76 649.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 365.09 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 381.76 649.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 417.88 649.10 Td (practice, ) Tj ET Q q 0 0 0 rg BT 454.25 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.92 649.10 Td (describe ) Tj ET Q q 0 0 0 rg BT 506.46 649.10 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.94 637.10 Td (excessive ) Tj ET Q q 0 0 0 rg BT 103.87 637.10 Td (when ) Tj ET Q q 0 0 0 rg BT 129.14 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.97 637.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 182.46 637.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 203.29 637.10 Td (are ) Tj ET Q q 0 0 0 rg BT 219.11 637.10 Td (unreasonable ) Tj ET Q q 0 0 0 rg BT 275.47 637.10 Td (or ) Tj ET Q q 0 0 0 rg BT 287.41 637.10 Td (disproportionate ) Tj ET Q q 0 0 0 rg BT 356.57 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 367.96 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.78 637.10 Td (services ) Tj ET Q q 0 0 0 rg BT 419.60 637.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 464.86 637.10 Td (by ) Tj ET Q q 0 0 0 rg BT 478.47 637.10 Td (an ) Tj ET Q q 0 0 0 rg BT 491.52 637.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 533.44 637.10 Td (of) Tj ET Q q 0 0 0 rg BT 541.59 637.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 559.50 637.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (employee, ) Tj ET Q q 0 0 0 rg BT 93.87 625.10 Td (director ) Tj ET Q q 0 0 0 rg BT 127.47 625.10 Td (or ) Tj ET Q q 0 0 0 rg BT 138.30 625.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 176.34 625.10 Td (shareholder) Tj ET Q q 0 0 0 rg BT 222.43 625.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (During ) Tj ET Q q 0 0 0 rg BT 80.51 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.90 604.10 Td (past ) Tj ET Q q 0 0 0 rg BT 113.19 604.10 Td (decade, ) Tj ET Q q 0 0 0 rg BT 145.62 604.10 Td (properly ) Tj ET Q q 0 0 0 rg BT 181.67 604.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 223.29 604.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 244.36 604.10 Td (has ) Tj ET Q q 0 0 0 rg BT 259.86 604.10 Td (been ) Tj ET Q q 0 0 0 rg BT 280.92 604.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 321.42 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 331.92 604.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 361.86 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 371.82 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.21 604.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 420.04 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.55 604.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 448.83 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.44 604.10 Td (sound ) Tj ET Q q 0 0 0 rg BT 491.51 604.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 525.91 604.10 Td (activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.24 592.10 Td (has ) Tj ET Q q 0 0 0 rg BT 83.38 592.10 Td (become ) Tj ET Q q 0 0 0 rg BT 117.28 592.10 Td (even ) Tj ET Q q 0 0 0 rg BT 138.96 592.10 Td (more ) Tj ET Q q 0 0 0 rg BT 162.31 592.10 Td (important ) Tj ET Q q 0 0 0 rg BT 204.00 592.10 Td (as ) Tj ET Q q 0 0 0 rg BT 215.13 592.10 Td (new ) Tj ET Q q 0 0 0 rg BT 234.60 592.10 Td (technologies, ) Tj ET Q q 0 0 0 rg BT 290.45 592.10 Td (product ) Tj ET Q q 0 0 0 rg BT 323.80 592.10 Td (innovation, ) Tj ET Q q 0 0 0 rg BT 371.88 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.12 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.14 592.10 Td (size ) Tj ET Q q 0 0 0 rg BT 422.50 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 439.74 592.10 Td (speed ) Tj ET Q q 0 0 0 rg BT 465.31 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.45 592.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 514.23 592.10 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (have ) Tj ET Q q 0 0 0 rg BT 70.39 580.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 105.21 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.94 580.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 145.44 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.28 580.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 189.00 580.10 Td (markets.) Tj ET Q q 0 0 0 rg BT 227.98 580.10 Td (The ) Tj ET Q q 0 0 0 rg BT 245.03 580.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 280.97 580.10 Td (have ) Tj ET Q q 0 0 0 rg BT 301.36 580.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 341.19 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.14 580.10 Td (spectrum ) Tj ET Q q 0 0 0 rg BT 385.30 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.14 580.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 415.54 580.10 Td (facing ) Tj ET Q q 0 0 0 rg BT 442.04 580.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 475.77 580.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 521.73 580.10 Td (including, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (but ) Tj ET Q q 0 0 0 rg BT 64.47 568.10 Td (not ) Tj ET Q q 0 0 0 rg BT 78.95 568.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 108.97 568.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 120.94 568.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 147.90 568.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 179.86 568.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 213.10 568.10 Td (, ) Tj ET Q q 0 0 0 rg BT 217.29 568.10 Td (operational, ) Tj ET Q q 0 0 0 rg BT 266.47 568.10 Td (legal, ) Tj ET Q q 0 0 0 rg BT 290.10 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.23 568.10 Td (reputational ) Tj ET Q q 0 0 0 rg BT 355.68 568.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 374.88 568.10 Td (In ) Tj ET Q q 0 0 0 rg BT 384.90 568.10 Td (particular) Tj ET Q q 0 0 0 rg BT 422.81 568.10 Td (, ) Tj ET Q q 0 0 0 rg BT 427.01 568.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 453.13 568.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 495.91 568.10 Td (pronouncements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (have ) Tj ET Q q 0 0 0 rg BT 72.30 556.10 Td (focused ) Tj ET Q q 0 0 0 rg BT 106.82 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.24 556.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 168.64 556.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 189.56 556.10 Td (which ) Tj ET Q q 0 0 0 rg BT 217.42 556.10 Td (arises ) Tj ET Q q 0 0 0 rg BT 243.61 556.10 Td (from ) Tj ET Q q 0 0 0 rg BT 266.46 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.10 556.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 320.51 556.10 Td (that ) Tj ET Q q 0 0 0 rg BT 338.93 556.10 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 385.66 556.10 Td (information ) Tj ET Q q 0 0 0 rg BT 436.29 556.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 473.88 556.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 522.28 556.10 Td (problems, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (breaches ) Tj ET Q q 0 0 0 rg BT 87.13 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.06 544.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 129.76 544.10 Td (controls, ) Tj ET Q q 0 0 0 rg BT 166.63 544.10 Td (fraud, ) Tj ET Q q 0 0 0 rg BT 192.38 544.10 Td (or ) Tj ET Q q 0 0 0 rg BT 202.86 544.10 Td (unforeseen ) Tj ET Q q 0 0 0 rg BT 248.88 544.10 Td (catastrophes ) Tj ET Q q 0 0 0 rg BT 300.46 544.10 Td (will ) Tj ET Q q 0 0 0 rg BT 318.17 544.10 Td (result ) Tj ET Q q 0 0 0 rg BT 342.54 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 352.47 544.10 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 400.16 544.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 428.70 544.10 Td (New ) Tj ET Q q 0 0 0 rg BT 449.74 544.10 Td (products ) Tj ET Q q 0 0 0 rg BT 486.33 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 502.92 544.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 539.78 544.10 Td (third-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (party ) Tj ET Q q 0 0 0 rg BT 72.83 532.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 90.12 532.10 Td (management ) Tj ET Q q 0 0 0 rg BT 143.50 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.22 532.10 Td (cybersecurity ) Tj ET Q q 0 0 0 rg BT 216.37 532.10 Td (are ) Tj ET Q q 0 0 0 rg BT 230.86 532.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 260.91 532.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 293.19 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.80 532.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 351.07 532.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 368.36 532.10 Td (that ) Tj ET Q q 0 0 0 rg BT 385.64 532.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 422.90 532.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 469.64 532.10 Td (are ) Tj ET Q q 0 0 0 rg BT 484.14 532.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 521.96 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.02 532.10 Td (address ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.39 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.21 520.10 Td (current ) Tj ET Q q 0 0 0 rg BT 106.13 520.10 Td (environment. ) Tj ET Q q 0 0 0 rg BT 161.59 520.10 Td (The ) Tj ET Q q 0 0 0 rg BT 179.75 520.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 223.46 520.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 249.40 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 264.22 520.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 302.36 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.74 520.10 Td (have ) Tj ET Q q 0 0 0 rg BT 334.23 520.10 Td (active ) Tj ET Q q 0 0 0 rg BT 360.71 520.10 Td (board ) Tj ET Q q 0 0 0 rg BT 386.08 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.13 520.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 430.17 520.10 Td (management ) Tj ET Q q 0 0 0 rg BT 483.87 520.10 Td (oversight; ) Tj ET Q q 0 0 0 rg BT 526.47 520.10 Td (adequate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 84.88 508.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 132.52 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.24 508.10 Td (limits; ) Tj ET Q q 0 0 0 rg BT 175.07 508.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 211.88 508.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 228.16 508.10 Td (measurement, ) Tj ET Q q 0 0 0 rg BT 285.24 508.10 Td (monitoring, ) Tj ET Q q 0 0 0 rg BT 333.46 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 349.18 508.10 Td (management ) Tj ET Q q 0 0 0 rg BT 401.54 508.10 Td (information ) Tj ET Q q 0 0 0 rg BT 450.03 508.10 Td (systems; ) Tj ET Q q 0 0 0 rg BT 485.75 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 501.47 508.10 Td (comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 496.10 Td (ef) Tj ET Q q 0 0 0 rg BT 74.53 496.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 104.23 496.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 137.27 496.10 Td (controls. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (Risk Committee Requir) Tj ET Q q 0 0 0 rg BT 142.39 472.10 Td (ement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.38 448.10 Td (March ) Tj ET Q q 0 0 0 rg BT 92.65 448.10 Td (27, ) Tj ET Q q 0 0 0 rg BT 107.31 448.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 131.97 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.35 448.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 178.50 448.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 212.87 448.10 Td (published ) Tj ET Q q 0 0 0 rg BT 253.92 448.10 Td (final ) Tj ET Q q 0 0 0 rg BT 274.41 448.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 296.01 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.95 448.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 350.88 448.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 380.25 448.10 Td ("enhanced ) Tj ET Q q 0 0 0 rg BT 424.25 448.10 Td (prudential ) Tj ET Q q 0 0 0 rg BT 466.95 448.10 Td (standards" ) Tj ET Q q 0 0 0 rg BT 510.97 448.10 Td (mandated ) Tj ET Q q 0 0 0 rg BT 552.00 448.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.03 436.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 116.10 436.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 138.34 436.10 Td (Many ) Tj ET Q q 0 0 0 rg BT 164.48 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.62 436.10 Td (these ) Tj ET Q q 0 0 0 rg BT 198.98 436.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 239.54 436.10 Td (prudential ) Tj ET Q q 0 0 0 rg BT 282.89 436.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 323.47 436.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 348.50 436.10 Td (only ) Tj ET Q q 0 0 0 rg BT 369.08 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 379.67 436.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 401.92 436.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 435.28 436.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 480.86 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.10 436.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 529.79 436.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (or) Tj ET Q q 0 0 0 rg BT 58.15 424.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 107.08 424.10 Td (with ) Tj ET Q q 0 0 0 rg BT 128.25 424.10 Td (total ) Tj ET Q q 0 0 0 rg BT 149.42 424.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 203.36 424.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 230.08 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.80 424.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 260.19 424.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 289.70 424.10 Td (or ) Tj ET Q q 0 0 0 rg BT 301.42 424.10 Td (more, ) Tj ET Q q 0 0 0 rg BT 327.86 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.69 424.10 Td (do ) Tj ET Q q 0 0 0 rg BT 359.08 424.10 Td (not ) Tj ET Q q 0 0 0 rg BT 375.26 424.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 400.87 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.04 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.65 424.10 Td (Company) Tj ET Q q 0 0 0 rg BT 465.88 424.10 Td (. ) Tj ET Q q 0 0 0 rg BT 474.28 424.10 Td (However) Tj ET Q q 0 0 0 rg BT 510.53 424.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.42 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.03 424.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (Reserve's ) Tj ET Q q 0 0 0 rg BT 91.63 412.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 133.11 412.10 Td (prudential ) Tj ET Q q 0 0 0 rg BT 177.37 412.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 218.87 412.10 Td (require ) Tj ET Q q 0 0 0 rg BT 250.91 412.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 272.13 412.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 315.85 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.35 412.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 353.58 412.10 Td (publicly ) Tj ET Q q 0 0 0 rg BT 390.08 412.10 Td (traded ) Tj ET Q q 0 0 0 rg BT 418.79 412.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 441.95 412.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 476.24 412.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 522.72 412.10 Td (with ) Tj ET Q q 0 0 0 rg BT 544.23 412.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.75 400.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 130.29 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.83 400.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 172.80 400.10 Td (than ) Tj ET Q q 0 0 0 rg BT 193.23 400.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 211.44 400.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 240.76 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 258.41 400.10 Td (less ) Tj ET Q q 0 0 0 rg BT 276.62 400.10 Td (than ) Tj ET Q q 0 0 0 rg BT 297.05 400.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 315.26 400.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 344.58 400.10 Td (must ) Tj ET Q q 0 0 0 rg BT 367.24 400.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 405.44 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.09 400.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 461.29 400.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 479.50 400.10 Td (committees ) Tj ET Q q 0 0 0 rg BT 528.81 400.10 Td (for ) Tj ET Q q 0 0 0 rg BT 543.68 400.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (boards ) Tj ET Q q 0 0 0 rg BT 80.03 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.73 388.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 130.08 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.23 388.10 Td (oversee ) Tj ET Q q 0 0 0 rg BT 175.14 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.72 388.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 213.53 388.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 247.46 388.10 Td (companies' ) Tj ET Q q 0 0 0 rg BT 295.39 388.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 313.76 388.10 Td (management ) Tj ET Q q 0 0 0 rg BT 368.22 388.10 Td (frameworks. ) Tj ET Q q 0 0 0 rg BT 421.85 388.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 440.77 388.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 468.57 388.10 Td (has ) Tj ET Q q 0 0 0 rg BT 485.27 388.10 Td (had ) Tj ET Q q 0 0 0 rg BT 503.08 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 510.89 388.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 547.01 388.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (committee ) Tj ET Q q 0 0 0 rg BT 94.59 376.10 Td (since ) Tj ET Q q 0 0 0 rg BT 117.52 376.10 Td (1998; ) Tj ET Q q 0 0 0 rg BT 142.68 376.10 Td (we ) Tj ET Q q 0 0 0 rg BT 156.72 376.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 187.97 376.10 Td (that ) Tj ET Q q 0 0 0 rg BT 205.35 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 221.06 376.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 238.44 376.10 Td (committee ) Tj ET Q q 0 0 0 rg BT 283.03 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.85 376.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 359.44 376.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 376.82 376.10 Td (management ) Tj ET Q q 0 0 0 rg BT 430.29 376.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 476.54 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 485.60 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 495.76 376.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 544.23 376.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (all ) Tj ET Q q 0 0 0 rg BT 62.50 364.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 106.08 364.10 Td (requirements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 92.49 343.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.77 343.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 136.20 343.10 Td (Accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.45 322.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 104.14 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.37 322.10 Td (each ) Tj ET Q q 0 0 0 rg BT 136.59 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.83 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 164.06 322.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 208.08 322.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 234.31 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.42 322.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 281.77 322.10 Td (by ) Tj ET Q q 0 0 0 rg BT 294.67 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.79 322.10 Td (DIF ) Tj ET Q q 0 0 0 rg BT 328.81 322.10 Td (up ) Tj ET Q q 0 0 0 rg BT 341.72 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.40 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.52 322.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 404.31 322.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 447.76 322.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 479.56 322.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 520.78 322.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.68 322.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td ($250,000 ) Tj ET Q q 0 0 0 rg BT 89.79 310.10 Td (per ) Tj ET Q q 0 0 0 rg BT 104.85 310.10 Td (depositor) Tj ET Q q 0 0 0 rg BT 141.52 310.10 Td (. ) Tj ET Q q 0 0 0 rg BT 146.31 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 148.60 310.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 170.88 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.50 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 197.13 310.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 240.53 310.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 266.15 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 275.11 310.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 305.73 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 315.80 310.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 346.98 310.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 387.59 310.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 438.21 310.10 Td (based ) Tj ET Q q 0 0 0 rg BT 463.27 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 475.56 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.07 310.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 507.37 310.10 Td (it ) Tj ET Q q 0 0 0 rg BT 515.21 310.10 Td (poses ) Tj ET Q q 0 0 0 rg BT 539.73 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.80 310.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (DIF) Tj ET Q q 0 0 0 rg BT 65.31 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 70.58 298.10 Td (as ) Tj ET Q q 0 0 0 rg BT 81.68 298.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 129.43 298.10 Td (by ) Tj ET Q q 0 0 0 rg BT 142.20 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.18 298.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 186.60 298.10 Td (category ) Tj ET Q q 0 0 0 rg BT 223.79 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 241.00 298.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 290.43 298.10 Td (category ) Tj ET Q q 0 0 0 rg BT 327.62 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.17 298.10 Td (which ) Tj ET Q q 0 0 0 rg BT 365.38 298.10 Td (it ) Tj ET Q q 0 0 0 rg BT 373.70 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 383.14 298.10 Td (assigned. ) Tj ET Q q 0 0 0 rg BT 422.65 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 440.96 298.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 466.51 298.10 Td (has ) Tj ET Q q 0 0 0 rg BT 482.61 298.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 521.48 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.03 298.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 553.68 298.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 75.10 286.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 121.87 286.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 143.07 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 155.40 286.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 187.17 286.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 222.28 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.38 286.10 Td (order ) Tj ET Q q 0 0 0 rg BT 255.81 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.92 286.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 298.78 286.10 Td (statutorily ) Tj ET Q q 0 0 0 rg BT 341.66 286.10 Td (required ) Tj ET Q q 0 0 0 rg BT 377.30 286.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 408.50 286.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 433.05 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.15 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.70 286.10 Td (DIF ) Tj ET Q q 0 0 0 rg BT 476.14 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.91 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.02 286.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 534.23 286.10 Td (special ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 91.70 274.10 Td (assessments. ) Tj ET Q q 0 0 0 rg BT 144.24 274.10 Td (In ) Tj ET Q q 0 0 0 rg BT 154.27 274.10 Td (light ) Tj ET Q q 0 0 0 rg BT 174.32 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.36 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.28 274.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 242.20 274.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 276.66 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.15 274.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 330.07 274.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 372.34 274.10 Td (failures ) Tj ET Q q 0 0 0 rg BT 404.04 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 413.52 274.10 Td (2008-2010 ) Tj ET Q q 0 0 0 rg BT 458.56 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.71 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.63 274.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 523.09 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 533.13 274.10 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 91.64 262.10 Td (limits, ) Tj ET Q q 0 0 0 rg BT 120.25 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.80 262.10 Td (DIF ) Tj ET Q q 0 0 0 rg BT 155.24 262.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 191.88 262.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 237.98 262.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 265.20 262.10 Td (during ) Tj ET Q q 0 0 0 rg BT 294.63 262.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 322.38 262.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 349.31 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 352.39 262.10 Td (T) Tj ET Q q 0 0 0 rg BT 357.80 262.10 Td (o ) Tj ET Q q 0 0 0 rg BT 366.13 262.10 Td (bolster ) Tj ET Q q 0 0 0 rg BT 396.67 262.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 432.76 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.86 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.41 262.10 Td (DIF) Tj ET Q q 0 0 0 rg BT 474.72 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 480.55 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.09 262.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 547.56 262.10 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 90.48 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.42 250.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 147.03 250.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 178.62 250.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 199.67 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.72 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.66 250.10 Td (DIF ) Tj ET Q q 0 0 0 rg BT 244.49 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.99 250.10 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 283.54 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.60 250.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 326.76 250.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 362.26 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.42 250.10 Td (deleted ) Tj ET Q q 0 0 0 rg BT 411.01 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.95 250.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 463.67 250.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 480.27 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 494.65 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.59 250.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 541.18 250.10 Td (ratio. ) Tj ET Q q 0 0 0 rg BT 564.50 250.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.64 238.10 Td (December ) Tj ET Q q 0 0 0 rg BT 104.03 238.10 Td (2010, ) Tj ET Q q 0 0 0 rg BT 128.84 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.37 238.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 168.46 238.10 Td (set ) Tj ET Q q 0 0 0 rg BT 181.87 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.40 238.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 241.47 238.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 272.65 238.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 293.28 238.10 Td (at ) Tj ET Q q 0 0 0 rg BT 302.81 238.10 Td (2%, ) Tj ET Q q 0 0 0 rg BT 320.95 238.10 Td (65 ) Tj ET Q q 0 0 0 rg BT 333.25 238.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 355.56 238.10 Td (points ) Tj ET Q q 0 0 0 rg BT 382.32 238.10 Td (above ) Tj ET Q q 0 0 0 rg BT 408.50 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.03 238.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 460.33 238.10 Td (minimum. ) Tj ET Q q 0 0 0 rg BT 504.03 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.34 238.10 Td (In ) Tj ET Q q 0 0 0 rg BT 516.47 238.10 Td (April ) Tj ET Q q 0 0 0 rg BT 539.89 238.10 Td (201) Tj ET Q q 0 0 0 rg BT 554.52 238.10 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.18 226.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 90.93 226.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 146.10 226.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 181.27 226.10 Td (required ) Tj ET Q q 0 0 0 rg BT 217.55 226.10 Td (by ) Tj ET Q q 0 0 0 rg BT 230.51 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.69 226.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 296.88 226.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 314.29 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.03 226.10 Td (revise ) Tj ET Q q 0 0 0 rg BT 351.87 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.05 226.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 408.90 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.19 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.37 226.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 482.77 226.10 Td (base ) Tj ET Q q 0 0 0 rg BT 503.51 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 518.13 226.10 Td (calculating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 80.54 214.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 120.51 214.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 162.16 214.10 Td (from ) Tj ET Q q 0 0 0 rg BT 183.25 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.12 214.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 228.76 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.75 214.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 269.84 214.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 304.27 214.10 Td (held ) Tj ET Q q 0 0 0 rg BT 323.14 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 334.79 214.10 Td (an ) Tj ET Q q 0 0 0 rg BT 345.88 214.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 388.10 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.53 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.40 214.10 Td (institution's ) Tj ET Q q 0 0 0 rg BT 459.31 214.10 Td (average ) Tj ET Q q 0 0 0 rg BT 492.04 214.10 Td (total ) Tj ET Q q 0 0 0 rg BT 511.47 214.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.63 202.10 Td (less ) Tj ET Q q 0 0 0 rg BT 92.93 202.10 Td (average ) Tj ET Q q 0 0 0 rg BT 126.31 202.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 160.83 202.10 Td (equity) Tj ET Q q 0 0 0 rg BT 185.17 202.10 Td (. ) Tj ET Q q 0 0 0 rg BT 189.97 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 192.10 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 209.95 202.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 235.03 202.10 Td (also ) Tj ET Q q 0 0 0 rg BT 253.44 202.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 289.06 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.57 202.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 350.31 202.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 373.99 202.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 415.18 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 432.47 202.10 Td (they ) Tj ET Q q 0 0 0 rg BT 451.99 202.10 Td (will ) Tj ET Q q 0 0 0 rg BT 469.84 202.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 503.25 202.10 Td (range ) Tj ET Q q 0 0 0 rg BT 527.76 202.10 Td (from ) Tj ET Q q 0 0 0 rg BT 549.50 202.10 Td (2.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.75 190.10 Td (points ) Tj ET Q q 0 0 0 rg BT 99.94 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 110.47 190.10 Td (45 ) Tj ET Q q 0 0 0 rg BT 123.21 190.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 145.96 190.10 Td (points. ) Tj ET Q q 0 0 0 rg BT 175.65 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.20 190.10 Td (The ) Tj ET Q q 0 0 0 rg BT 196.50 190.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 222.03 190.10 Td (has ) Tj ET Q q 0 0 0 rg BT 238.10 190.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 277.50 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 295.24 190.10 Td (these ) Tj ET Q q 0 0 0 rg BT 318.53 190.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 353.49 190.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 393.44 190.10 Td (will ) Tj ET Q q 0 0 0 rg BT 411.74 190.10 Td (not ) Tj ET Q q 0 0 0 rg BT 427.27 190.10 Td (require ) Tj ET Q q 0 0 0 rg BT 458.33 190.10 Td (an ) Tj ET Q q 0 0 0 rg BT 470.51 190.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 506.01 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.54 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.50 190.10 Td (level ) Tj ET Q q 0 0 0 rg BT 553.68 190.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 100.88 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.09 178.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 159.85 178.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 206.86 178.10 Td (with ) Tj ET Q q 0 0 0 rg BT 227.18 178.10 Td (less ) Tj ET Q q 0 0 0 rg BT 244.73 178.10 Td (than ) Tj ET Q q 0 0 0 rg BT 264.50 178.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 282.05 178.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 310.71 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 321.04 178.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 349.41 178.10 Td (such ) Tj ET Q q 0 0 0 rg BT 370.29 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 381.17 178.10 Td (each ) Tj ET Q q 0 0 0 rg BT 402.04 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 412.92 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 428.79 178.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 450.78 178.10 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 503.05 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.03 178.10 Td (may ) Tj ET Q q 0 0 0 rg BT 539.80 178.10 Td (result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 61.00 166.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 103.63 166.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 155.18 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 170.06 166.10 Td (such ) Tj ET Q q 0 0 0 rg BT 191.61 166.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 241.78 166.10 Td (However) Tj ET Q q 0 0 0 rg BT 278.03 166.10 Td (, ) Tj ET Q q 0 0 0 rg BT 283.75 166.10 Td (there ) Tj ET Q q 0 0 0 rg BT 306.96 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 316.84 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 324.50 166.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 342.72 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 360.94 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.37 166.10 Td (banks' ) Tj ET Q q 0 0 0 rg BT 404.72 166.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 436.83 166.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 478.36 166.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 521.58 166.10 Td (will ) Tj ET Q q 0 0 0 rg BT 540.35 166.10 Td (again ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.25 154.10 Td (if ) Tj ET Q q 0 0 0 rg BT 93.86 154.10 Td (failures ) Tj ET Q q 0 0 0 rg BT 126.35 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.18 154.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 169.12 154.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 213.83 154.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 260.79 154.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 297.72 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.00 154.10 Td (deplete ) Tj ET Q q 0 0 0 rg BT 339.37 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.09 154.10 Td (DIF) Tj ET Q q 0 0 0 rg BT 369.40 154.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.19 133.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 99.32 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.39 133.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 148.35 133.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 190.08 133.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 212.87 133.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 230.16 133.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.35 133.10 Td (1996 ) Tj ET Q q 0 0 0 rg BT 264.20 133.10 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 308.15 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.23 133.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 366.08 133.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 417.26 133.10 Td (\(FICO\) ) Tj ET Q q 0 0 0 rg BT 458.44 133.10 Td (to ) Tj ET Q q 0 0 0 rg BT 469.07 133.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 500.81 133.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 552.00 133.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (DIF ) Tj ET Q q 0 0 0 rg BT 68.02 121.10 Td (assessable ) Tj ET Q q 0 0 0 rg BT 111.03 121.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 145.72 121.10 Td (in ) Tj ET Q q 0 0 0 rg BT 155.41 121.10 Td (order ) Tj ET Q q 0 0 0 rg BT 178.41 121.10 Td (to ) Tj ET Q q 0 0 0 rg BT 188.10 121.10 Td (service ) Tj ET Q q 0 0 0 rg BT 218.33 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.45 121.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 263.79 121.10 Td (on ) Tj ET Q q 0 0 0 rg BT 275.70 121.10 Td (FICO's ) Tj ET Q q 0 0 0 rg BT 306.09 121.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 328.00 121.10 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 376.71 121.10 Td (The ) Tj ET Q q 0 0 0 rg BT 394.17 121.10 Td (FICO ) Tj ET Q q 0 0 0 rg BT 418.86 121.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 465.21 121.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 482.10 121.10 Td (is ) Tj ET Q q 0 0 0 rg BT 490.68 121.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 525.92 121.10 Td (quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 109.10 Td (for ) Tj ET Q q 0 0 0 rg BT 81.10 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.82 109.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 122.75 109.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 153.57 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.40 109.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 186.90 109.10 Td (was ) Tj ET Q q 0 0 0 rg BT 204.95 109.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 265.21 109.10 Td (0.600 ) Tj ET Q q 0 0 0 rg BT 290.21 109.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 312.71 109.10 Td (points ) Tj ET Q q 0 0 0 rg BT 339.66 109.10 Td (\(60 ) Tj ET Q q 0 0 0 rg BT 355.49 109.10 Td (cents ) Tj ET Q q 0 0 0 rg BT 378.54 109.10 Td (per ) Tj ET Q q 0 0 0 rg BT 393.80 109.10 Td ($10,000 ) Tj ET Q q 0 0 0 rg BT 428.80 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.63 109.10 Td (assessable ) Tj ET Q q 0 0 0 rg BT 483.23 109.10 Td (deposits\).) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (Limits ) Tj ET Q q 0 0 0 rg BT 77.51 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 90.01 88.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 116.96 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 127.24 88.10 Td (One ) Tj ET Q q 0 0 0 rg BT 146.40 88.10 Td (Borr) Tj ET Q q 0 0 0 rg BT 164.92 88.10 Td (ower ) Tj ET Q q 0 0 0 rg BT 187.42 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.92 88.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 231.88 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.15 88.10 Td (Insiders) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.83 67.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.12 67.10 Td (state ) Tj ET Q q 0 0 0 rg BT 121.29 67.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 156.36 67.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 177.54 67.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 209.27 67.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 234.90 67.10 Td (on ) Tj ET Q q 0 0 0 rg BT 247.75 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.82 67.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 295.66 67.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.84 67.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 332.45 67.10 Td (a ) Tj ET Q q 0 0 0 rg BT 339.74 67.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 362.02 67.10 Td (can ) Tj ET Q q 0 0 0 rg BT 378.75 67.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 408.25 67.10 Td (to ) Tj ET Q q 0 0 0 rg BT 418.88 67.10 Td (any ) Tj ET Q q 0 0 0 rg BT 436.16 67.10 Td (one ) Tj ET Q q 0 0 0 rg BT 453.45 67.10 Td (person ) Tj ET Q q 0 0 0 rg BT 482.96 67.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 497.47 67.10 Td (group ) Tj ET Q q 0 0 0 rg BT 523.65 67.10 Td (of ) Tj ET Q q 0 0 0 rg BT 534.82 67.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (persons\). ) Tj ET Q q 0 0 0 rg BT 89.42 55.10 Td (The ) Tj ET Q q 0 0 0 rg BT 108.24 55.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 159.68 55.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 177.39 55.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 218.99 55.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.48 55.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 260.52 55.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.13 55.10 Td (these ) Tj ET Q q 0 0 0 rg BT 295.95 55.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 343.66 55.10 Td (for ) Tj ET Q q 0 0 0 rg BT 358.60 55.10 Td (national ) Tj ET Q q 0 0 0 rg BT 394.09 55.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 420.70 55.10 Td (under ) Tj ET Q q 0 0 0 rg BT 446.74 55.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 477.77 55.10 Td (law ) Tj ET Q q 0 0 0 rg BT 495.49 55.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.54 55.10 Td (include ) Tj ET Q q 0 0 0 rg BT 539.25 55.10 Td (credit ) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (14) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 87.40 742.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 115.91 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 136.65 742.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 177.93 742.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 229.49 742.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 274.10 742.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 323.43 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.17 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 378.23 742.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 409.52 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.26 742.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 468.22 742.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 519.78 742.10 Td (Provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.11 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.10 730.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 127.14 730.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 144.36 730.10 Td (also ) Tj ET Q q 0 0 0 rg BT 163.24 730.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 202.11 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.10 730.10 Td (FDIA) Tj ET Q q 0 0 0 rg BT 239.89 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.66 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.22 730.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 287.66 730.10 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 349.28 730.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 375.39 730.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 419.27 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 449.25 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.35 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 476.46 730.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 511.45 730.10 Td (subsidiaries\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.61 718.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 110.44 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.39 718.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 162.54 718.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 212.48 718.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 239.65 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.04 718.10 Td (state ) Tj ET Q q 0 0 0 rg BT 274.53 718.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 306.70 718.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 327.76 718.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 348.27 718.10 Td (take ) Tj ET Q q 0 0 0 rg BT 367.09 718.10 Td (into ) Tj ET Q q 0 0 0 rg BT 384.82 718.10 Td (account ) Tj ET Q q 0 0 0 rg BT 418.09 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 443.02 718.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 481.29 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.24 718.10 Td (such ) Tj ET Q q 0 0 0 rg BT 511.75 718.10 Td (transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Applicable ) Tj ET Q q 0 0 0 rg BT 95.31 697.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 128.97 697.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 148.74 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.62 697.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 210.49 697.10 Td (also ) Tj ET Q q 0 0 0 rg BT 228.04 697.10 Td (place ) Tj ET Q q 0 0 0 rg BT 250.58 697.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 296.45 697.10 Td (on ) Tj ET Q q 0 0 0 rg BT 307.89 697.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 330.44 697.10 Td (by ) Tj ET Q q 0 0 0 rg BT 341.88 697.10 Td (FDIC-insured ) Tj ET Q q 0 0 0 rg BT 398.87 697.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 423.64 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 439.52 697.10 Td (their ) Tj ET Q q 0 0 0 rg BT 459.29 697.10 Td (af) Tj ET Q q 0 0 0 rg BT 466.88 697.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 495.53 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.75 697.10 Td (their ) Tj ET Q q 0 0 0 rg BT 524.51 697.10 Td (directors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 90.81 685.10 Td (of) Tj ET Q q 0 0 0 rg BT 98.96 685.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 123.67 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.61 685.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 178.65 685.10 Td (shareholders.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 94.72 664.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 104.35 664.10 Td (ovisions ) Tj ET Q q 0 0 0 rg BT 139.63 664.10 Td (Regar) Tj ET Q q 0 0 0 rg BT 163.70 664.10 Td (ding ) Tj ET Q q 0 0 0 rg BT 183.97 664.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 217.40 664.10 Td (Accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.71 643.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 118.28 643.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 134.88 643.10 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 179.25 643.10 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 229.75 643.10 Td (under ) Tj ET Q q 0 0 0 rg BT 254.68 643.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 284.60 643.10 Td (law ) Tj ET Q q 0 0 0 rg BT 301.20 643.10 Td (against ) Tj ET Q q 0 0 0 rg BT 331.69 643.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.07 643.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 382.66 643.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.16 643.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.75 643.10 Td (on ) Tj ET Q q 0 0 0 rg BT 436.92 643.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 470.73 643.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 508.17 643.10 Td (thus ) Tj ET Q q 0 0 0 rg BT 527.01 643.10 Td (allowing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 94.82 631.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.20 631.10 Td (have ) Tj ET Q q 0 0 0 rg BT 126.68 631.10 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 192.03 631.10 Td (checking ) Tj ET Q q 0 0 0 rg BT 230.73 631.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 270.81 631.10 Td (Depending ) Tj ET Q q 0 0 0 rg BT 317.29 631.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 339.89 631.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.71 631.10 Td (market ) Tj ET Q q 0 0 0 rg BT 385.08 631.10 Td (response, ) Tj ET Q q 0 0 0 rg BT 425.17 631.10 Td (this ) Tj ET Q q 0 0 0 rg BT 442.22 631.10 Td (change ) Tj ET Q q 0 0 0 rg BT 473.14 631.10 Td (could ) Tj ET Q q 0 0 0 rg BT 497.96 631.10 Td (have ) Tj ET Q q 0 0 0 rg BT 519.43 631.10 Td (an ) Tj ET Q q 0 0 0 rg BT 531.47 631.10 Td (adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.71 619.10 Td (on ) Tj ET Q q 0 0 0 rg BT 92.21 619.10 Td (our ) Tj ET Q q 0 0 0 rg BT 108.04 619.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 139.98 619.10 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 81.78 598.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 115.78 598.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 162.01 598.10 Td (require ) Tj ET Q q 0 0 0 rg BT 192.12 598.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 236.13 598.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 282.38 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.95 598.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 328.74 598.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 363.29 598.10 Td (against ) Tj ET Q q 0 0 0 rg BT 393.41 598.10 Td (their ) Tj ET Q q 0 0 0 rg BT 413.53 598.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 459.19 598.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 495.97 598.10 Td (\(primarily ) Tj ET Q q 0 0 0 rg BT 538.31 598.10 Td (NOW) Tj ET Q q 0 0 0 rg BT 562.01 598.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.15 586.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 98.18 586.10 Td (checking ) Tj ET Q q 0 0 0 rg BT 136.99 586.10 Td (accounts\). ) Tj ET Q q 0 0 0 rg BT 180.52 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 183.23 586.10 Td (For2016, ) Tj ET Q q 0 0 0 rg BT 224.84 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.77 586.10 Td (first ) Tj ET Q q 0 0 0 rg BT 258.59 586.10 Td ($15.2 ) Tj ET Q q 0 0 0 rg BT 283.80 586.10 Td (million ) Tj ET Q q 0 0 0 rg BT 315.41 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.45 586.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 368.04 586.10 Td (reservable ) Tj ET Q q 0 0 0 rg BT 411.84 586.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 448.98 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 463.90 586.10 Td (exempt ) Tj ET Q q 0 0 0 rg BT 496.05 586.10 Td (from ) Tj ET Q q 0 0 0 rg BT 518.20 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.13 586.10 Td (reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (requirements; ) Tj ET Q q 0 0 0 rg BT 107.69 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.07 574.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 168.65 574.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 206.35 574.10 Td (aggregating ) Tj ET Q q 0 0 0 rg BT 256.27 574.10 Td (more ) Tj ET Q q 0 0 0 rg BT 279.53 574.10 Td (than ) Tj ET Q q 0 0 0 rg BT 299.46 574.10 Td ($15.2 ) Tj ET Q q 0 0 0 rg BT 324.67 574.10 Td (million ) Tj ET Q q 0 0 0 rg BT 356.28 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 366.77 574.10 Td ($1) Tj ET Q q 0 0 0 rg BT 376.40 574.10 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 396.62 574.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 430.72 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.65 574.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 477.23 574.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 528.26 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 537.64 574.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 553.68 574.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (total ) Tj ET Q q 0 0 0 rg BT 70.92 562.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 117.93 562.10 Td (accounts; ) Tj ET Q q 0 0 0 rg BT 158.84 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.43 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 191.23 562.10 Td (net ) Tj ET Q q 0 0 0 rg BT 206.59 562.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 253.61 562.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 291.74 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 302.66 562.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 331.90 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 343.38 562.10 Td ($1) Tj ET Q q 0 0 0 rg BT 353.01 562.10 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 373.65 562.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 408.19 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.55 562.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 455.56 562.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 507.02 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 516.83 562.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 538.31 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 562.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 92.07 550.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 125.28 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.82 550.10 Td (total ) Tj ET Q q 0 0 0 rg BT 157.80 550.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 204.89 550.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 243.08 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 254.07 550.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 283.38 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.92 550.10 Td ($1) Tj ET Q q 0 0 0 rg BT 304.55 550.10 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 325.26 550.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 359.86 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 362.84 550.10 Td (These ) Tj ET Q q 0 0 0 rg BT 389.93 550.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 422.00 550.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 477.42 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 492.83 550.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 524.37 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.36 550.10 Td (annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 96.38 538.10 Td (by ) Tj ET Q q 0 0 0 rg BT 108.88 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.60 538.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 156.08 538.10 Td (Reserve. ) Tj ET Q q 0 0 0 rg BT 193.29 538.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 211.34 538.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 237.17 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 251.88 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 262.16 538.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 310.75 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 331.03 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.74 538.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 387.12 538.10 Td (requirements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (De ) Tj ET Q q 0 0 0 rg BT 64.16 517.10 Td (Novo ) Tj ET Q q 0 0 0 rg BT 87.77 517.10 Td (Branching) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.88 496.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 118.58 496.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 135.35 496.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 173.78 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.33 496.10 Td (FDIA) Tj ET Q q 0 0 0 rg BT 211.11 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 213.44 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.22 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.77 496.10 Td (National ) Tj ET Q q 0 0 0 rg BT 281.53 496.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 304.46 496.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 321.23 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.34 496.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 355.89 496.10 Td (national ) Tj ET Q q 0 0 0 rg BT 390.44 496.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 416.10 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.87 496.10 Td (state ) Tj ET Q q 0 0 0 rg BT 453.53 496.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 481.69 496.10 Td (with ) Tj ET Q q 0 0 0 rg BT 501.80 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.35 496.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 553.67 496.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (their ) Tj ET Q q 0 0 0 rg BT 70.53 484.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 115.22 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 125.21 484.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 162.41 484.10 Td (de ) Tj ET Q q 0 0 0 rg BT 174.06 484.10 Td (novo ) Tj ET Q q 0 0 0 rg BT 196.26 484.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 234.01 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 243.99 484.10 Td (states ) Tj ET Q q 0 0 0 rg BT 268.42 484.10 Td (other ) Tj ET Q q 0 0 0 rg BT 291.17 484.10 Td (than ) Tj ET Q q 0 0 0 rg BT 310.60 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.02 484.10 Td (bank's ) Tj ET Q q 0 0 0 rg BT 352.36 484.10 Td (home ) Tj ET Q q 0 0 0 rg BT 376.78 484.10 Td (state ) Tj ET Q q 0 0 0 rg BT 397.31 484.10 Td (as ) Tj ET Q q 0 0 0 rg BT 407.85 484.10 Td (if ) Tj ET Q q 0 0 0 rg BT 416.17 484.10 Td (such ) Tj ET Q q 0 0 0 rg BT 436.70 484.10 Td (state ) Tj ET Q q 0 0 0 rg BT 457.24 484.10 Td (was ) Tj ET Q q 0 0 0 rg BT 475.00 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.42 484.10 Td (bank's ) Tj ET Q q 0 0 0 rg BT 516.76 484.10 Td (home ) Tj ET Q q 0 0 0 rg BT 541.18 484.10 Td (state.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.07 463.10 Td (2009, ) Tj ET Q q 0 0 0 rg BT 86.31 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.27 463.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 126.79 463.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 161.19 463.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 201.68 463.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 251.08 463.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 297.69 463.10 Td (for ) Tj ET Q q 0 0 0 rg BT 312.09 463.10 Td (de ) Tj ET Q q 0 0 0 rg BT 324.27 463.10 Td (novo ) Tj ET Q q 0 0 0 rg BT 347.01 463.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 375.58 463.10 Td (which ) Tj ET Q q 0 0 0 rg BT 402.76 463.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 441.60 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.56 463.10 Td (special ) Tj ET Q q 0 0 0 rg BT 487.06 463.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 536.46 463.10 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.05 451.10 Td (such ) Tj ET Q q 0 0 0 rg BT 84.76 451.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 110.48 451.10 Td (from ) Tj ET Q q 0 0 0 rg BT 132.31 451.10 Td (three ) Tj ET Q q 0 0 0 rg BT 154.68 451.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.84 451.10 Td (seven ) Tj ET Q q 0 0 0 rg BT 190.00 451.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 215.81 451.10 Td (Throughout ) Tj ET Q q 0 0 0 rg BT 265.41 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.02 451.10 Td (de ) Tj ET Q q 0 0 0 rg BT 291.84 451.10 Td (novo ) Tj ET Q q 0 0 0 rg BT 314.23 451.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 344.66 451.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 371.49 451.10 Td (chartered ) Tj ET Q q 0 0 0 rg BT 411.07 451.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 436.78 451.10 Td (will ) Tj ET Q q 0 0 0 rg BT 454.73 451.10 Td (be ) Tj ET Q q 0 0 0 rg BT 466.55 451.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 497.26 451.10 Td (to ) Tj ET Q q 0 0 0 rg BT 507.43 451.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 535.36 451.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 107.20 439.10 Td (more ) Tj ET Q q 0 0 0 rg BT 130.25 439.10 Td (frequent ) Tj ET Q q 0 0 0 rg BT 166.06 439.10 Td (examinations ) Tj ET Q q 0 0 0 rg BT 221.88 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.82 439.10 Td (other ) Tj ET Q q 0 0 0 rg BT 261.87 439.10 Td (requirements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Anti-T) Tj ET Q q 0 0 0 rg BT 74.81 418.10 Td (ying ) Tj ET Q q 0 0 0 rg BT 94.53 418.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 104.16 418.10 Td (ovisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 77.08 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.39 397.10 Td (anti-tying ) Tj ET Q q 0 0 0 rg BT 132.37 397.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 176.13 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.56 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.87 397.10 Td (BHC ) Tj ET Q q 0 0 0 rg BT 223.06 397.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 242.09 397.10 Td (among ) Tj ET Q q 0 0 0 rg BT 271.40 397.10 Td (other ) Tj ET Q q 0 0 0 rg BT 294.04 397.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 323.09 397.10 Td (each ) Tj ET Q q 0 0 0 rg BT 343.50 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.92 397.10 Td (our ) Tj ET Q q 0 0 0 rg BT 369.34 397.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 412.55 397.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 437.97 397.10 Td (is ) Tj ET Q q 0 0 0 rg BT 446.73 397.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 489.93 397.10 Td (from ) Tj ET Q q 0 0 0 rg BT 511.46 397.10 Td (conditioning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.13 385.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 113.02 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.26 385.10 Td (any ) Tj ET Q q 0 0 0 rg BT 141.61 385.10 Td (product ) Tj ET Q q 0 0 0 rg BT 175.06 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 186.30 385.10 Td (service, ) Tj ET Q q 0 0 0 rg BT 220.03 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 231.27 385.10 Td (varying ) Tj ET Q q 0 0 0 rg BT 264.72 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.85 385.10 Td (price ) Tj ET Q q 0 0 0 rg BT 302.74 385.10 Td (for ) Tj ET Q q 0 0 0 rg BT 317.31 385.10 Td (any ) Tj ET Q q 0 0 0 rg BT 334.66 385.10 Td (product ) Tj ET Q q 0 0 0 rg BT 368.12 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 379.36 385.10 Td (service, ) Tj ET Q q 0 0 0 rg BT 413.08 385.10 Td (on ) Tj ET Q q 0 0 0 rg BT 425.99 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.12 385.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 492.33 385.10 Td (that ) Tj ET Q q 0 0 0 rg BT 510.24 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.37 385.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 77.50 373.10 Td (some ) Tj ET Q q 0 0 0 rg BT 101.10 373.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 143.59 373.10 Td (product ) Tj ET Q q 0 0 0 rg BT 176.64 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 187.47 373.10 Td (service ) Tj ET Q q 0 0 0 rg BT 218.29 373.10 Td (from ) Tj ET Q q 0 0 0 rg BT 240.22 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.94 373.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 276.88 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 287.71 373.10 Td (any ) Tj ET Q q 0 0 0 rg BT 304.65 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.48 373.10 Td (its ) Tj ET Q q 0 0 0 rg BT 327.43 373.10 Td (af) Tj ET Q q 0 0 0 rg BT 335.01 373.10 Td (filiates, ) Tj ET Q q 0 0 0 rg BT 367.23 373.10 Td (other ) Tj ET Q q 0 0 0 rg BT 390.27 373.10 Td (than ) Tj ET Q q 0 0 0 rg BT 409.99 373.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 436.10 373.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 471.38 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 488.32 373.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 508.59 373.10 Td (services.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.01 352.10 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 104.18 352.10 Td (with ) Tj ET Q q 0 0 0 rg BT 123.73 352.10 Td (Affiliates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 83.36 331.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 127.81 331.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 179.51 331.10 Td (between ) Tj ET Q q 0 0 0 rg BT 216.75 331.10 Td (a ) Tj ET Q q 0 0 0 rg BT 225.12 331.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 248.49 331.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.85 331.10 Td (its ) Tj ET Q q 0 0 0 rg BT 280.23 331.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 314.72 331.10 Td (company ) Tj ET Q q 0 0 0 rg BT 355.30 331.10 Td (or ) Tj ET Q q 0 0 0 rg BT 367.56 331.10 Td (other ) Tj ET Q q 0 0 0 rg BT 392.04 331.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 433.74 331.10 Td (af) Tj ET Q q 0 0 0 rg BT 441.32 331.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 472.46 331.10 Td (are ) Tj ET Q q 0 0 0 rg BT 488.60 331.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 520.86 331.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.56 331.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 97.19 319.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 133.84 319.10 Td (by ) Tj ET Q q 0 0 0 rg BT 146.59 319.10 Td (state ) Tj ET Q q 0 0 0 rg BT 167.68 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.87 319.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 215.38 319.10 Td (law ) Tj ET Q q 0 0 0 rg BT 232.58 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.78 319.10 Td (regulation. ) Tj ET Q q 0 0 0 rg BT 295.58 319.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 318.33 319.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 357.18 319.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 412.14 319.10 Td (include ) Tj ET Q q 0 0 0 rg BT 444.33 319.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 468.19 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.39 319.10 Td (other ) Tj ET Q q 0 0 0 rg BT 508.70 319.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 553.67 319.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.05 307.10 Td (by ) Tj ET Q q 0 0 0 rg BT 87.34 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.85 307.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 123.58 307.10 Td (to ) Tj ET Q q 0 0 0 rg BT 133.64 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.15 307.10 Td (af) Tj ET Q q 0 0 0 rg BT 155.74 307.10 Td (filiate, ) Tj ET Q q 0 0 0 rg BT 183.85 307.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 233.91 307.10 Td (in ) Tj ET Q q 0 0 0 rg BT 243.98 307.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 284.03 307.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 311.32 307.10 Td (by ) Tj ET Q q 0 0 0 rg BT 323.61 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.11 307.10 Td (af) Tj ET Q q 0 0 0 rg BT 345.70 307.10 Td (filiate, ) Tj ET Q q 0 0 0 rg BT 373.81 307.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 415.53 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.15 307.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 451.77 307.10 Td (from ) Tj ET Q q 0 0 0 rg BT 473.49 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.00 307.10 Td (af) Tj ET Q q 0 0 0 rg BT 495.59 307.10 Td (filiate, ) Tj ET Q q 0 0 0 rg BT 523.70 307.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.90 295.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 77.58 295.10 Td (or ) Tj ET Q q 0 0 0 rg BT 87.48 295.10 Td (other ) Tj ET Q q 0 0 0 rg BT 109.60 295.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 161.18 295.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.54 295.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.33 295.10 Td (af) Tj ET Q q 0 0 0 rg BT 191.92 295.10 Td (filiate, ) Tj ET Q q 0 0 0 rg BT 219.31 295.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 248.09 295.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 289.64 295.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 338.98 295.10 Td (that ) Tj ET Q q 0 0 0 rg BT 355.55 295.10 Td (create ) Tj ET Q q 0 0 0 rg BT 380.99 295.10 Td (a ) Tj ET Q q 0 0 0 rg BT 387.00 295.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 411.34 295.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 449.01 295.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.37 295.10 Td (an ) Tj ET Q q 0 0 0 rg BT 469.38 295.10 Td (af) Tj ET Q q 0 0 0 rg BT 476.97 295.10 Td (filiate, ) Tj ET Q q 0 0 0 rg BT 504.36 295.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.15 295.10 Td (acceptance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.63 283.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 100.70 283.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 128.00 283.10 Td (by ) Tj ET Q q 0 0 0 rg BT 140.31 283.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.83 283.10 Td (af) Tj ET Q q 0 0 0 rg BT 162.42 283.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 188.04 283.10 Td (as ) Tj ET Q q 0 0 0 rg BT 198.67 283.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 238.18 283.10 Td (for ) Tj ET Q q 0 0 0 rg BT 252.14 283.10 Td (a ) Tj ET Q q 0 0 0 rg BT 258.88 283.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 280.90 283.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.64 283.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.17 283.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 348.35 283.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.98 283.10 Td (a ) Tj ET Q q 0 0 0 rg BT 365.72 283.10 Td (guarantee, ) Tj ET Q q 0 0 0 rg BT 409.39 283.10 Td (acceptance ) Tj ET Q q 0 0 0 rg BT 455.54 283.10 Td (or ) Tj ET Q q 0 0 0 rg BT 466.17 283.10 Td (letter ) Tj ET Q q 0 0 0 rg BT 489.02 283.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.65 283.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 524.72 283.10 Td (on ) Tj ET Q q 0 0 0 rg BT 537.02 283.10 Td (behalf ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.07 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.02 271.10 Td (af) Tj ET Q q 0 0 0 rg BT 83.61 271.10 Td (filiate. ) Tj ET Q q 0 0 0 rg BT 112.17 271.10 Td (In ) Tj ET Q q 0 0 0 rg BT 123.23 271.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 157.89 271.10 Td (these ) Tj ET Q q 0 0 0 rg BT 181.18 271.10 Td (af) Tj ET Q q 0 0 0 rg BT 188.76 271.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 214.82 271.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 261.43 271.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 283.61 271.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 305.23 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.19 271.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 352.92 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.99 271.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 398.37 271.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 448.87 271.10 Td (between ) Tj ET Q q 0 0 0 rg BT 484.92 271.10 Td (an ) Tj ET Q q 0 0 0 rg BT 497.10 271.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 540.40 271.10 Td (and ) Tj ET Q q 0 0 0 rg BT 557.57 271.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (single ) Tj ET Q q 0 0 0 rg BT 76.06 259.10 Td (af) Tj ET Q q 0 0 0 rg BT 83.65 259.10 Td (filiate, ) Tj ET Q q 0 0 0 rg BT 111.64 259.10 Td (as ) Tj ET Q q 0 0 0 rg BT 122.14 259.10 Td (well ) Tj ET Q q 0 0 0 rg BT 141.52 259.10 Td (as ) Tj ET Q q 0 0 0 rg BT 152.02 259.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.41 259.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 207.44 259.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 239.61 259.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.11 259.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 283.93 259.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 333.86 259.10 Td (between ) Tj ET Q q 0 0 0 rg BT 369.35 259.10 Td (an ) Tj ET Q q 0 0 0 rg BT 380.95 259.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 423.69 259.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.30 259.10 Td (all ) Tj ET Q q 0 0 0 rg BT 452.46 259.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.96 259.10 Td (its ) Tj ET Q q 0 0 0 rg BT 474.58 259.10 Td (af) Tj ET Q q 0 0 0 rg BT 482.17 259.10 Td (filiates. ) Tj ET Q q 0 0 0 rg BT 514.05 259.10 Td ( ) Tj ET Q q 0 0 0 rg BT 516.22 259.10 Td (In ) Tj ET Q q 0 0 0 rg BT 526.72 259.10 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 83.91 247.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 133.95 247.10 Td (that ) Tj ET Q q 0 0 0 rg BT 151.21 247.10 Td (are ) Tj ET Q q 0 0 0 rg BT 165.68 247.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 190.72 247.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 240.75 247.10 Td (must ) Tj ET Q q 0 0 0 rg BT 262.46 247.10 Td (be ) Tj ET Q q 0 0 0 rg BT 274.17 247.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 306.98 247.10 Td (by ) Tj ET Q q 0 0 0 rg BT 319.24 247.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 363.70 247.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 405.66 247.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.37 247.10 Td (all ) Tj ET Q q 0 0 0 rg BT 434.63 247.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 468.55 247.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 518.58 247.10 Td (must ) Tj ET Q q 0 0 0 rg BT 540.30 247.10 Td (be ) Tj ET Q q 0 0 0 rg BT 552.00 247.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 74.50 235.10 Td (that ) Tj ET Q q 0 0 0 rg BT 91.79 235.10 Td (are ) Tj ET Q q 0 0 0 rg BT 106.28 235.10 Td (at ) Tj ET Q q 0 0 0 rg BT 115.79 235.10 Td (least ) Tj ET Q q 0 0 0 rg BT 136.40 235.10 Td (as ) Tj ET Q q 0 0 0 rg BT 147.02 235.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 187.06 235.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.12 235.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.63 235.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 254.48 235.10 Td (as ) Tj ET Q q 0 0 0 rg BT 265.10 235.10 Td (then-prevailing ) Tj ET Q q 0 0 0 rg BT 328.47 235.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.54 235.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.04 235.10 Td (market ) Tj ET Q q 0 0 0 rg BT 383.09 235.10 Td (for ) Tj ET Q q 0 0 0 rg BT 397.04 235.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 445.97 235.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 496.02 235.10 Td (with ) Tj ET Q q 0 0 0 rg BT 516.09 235.10 Td (unaf) Tj ET Q q 0 0 0 rg BT 533.67 235.10 Td (filiated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (entities. ) Tj ET Q q 0 0 0 rg BT 83.88 223.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.20 223.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.96 223.10 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 139.44 223.10 Td (between ) Tj ET Q q 0 0 0 rg BT 175.26 223.10 Td (af) Tj ET Q q 0 0 0 rg BT 182.85 223.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 213.67 223.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 239.50 223.10 Td (may ) Tj ET Q q 0 0 0 rg BT 259.21 223.10 Td (be ) Tj ET Q q 0 0 0 rg BT 271.15 223.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 301.98 223.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.26 223.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 341.96 223.10 Td (exemptions ) Tj ET Q q 0 0 0 rg BT 390.56 223.10 Td (under ) Tj ET Q q 0 0 0 rg BT 415.83 223.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 459.42 223.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 489.67 223.10 Td (law) Tj ET Q q 0 0 0 rg BT 503.46 223.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 98.61 202.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 154.24 202.10 Td (Act) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 77.62 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.46 181.10 Td (CRA, ) Tj ET Q q 0 0 0 rg BT 118.15 181.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.22 181.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 162.83 181.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 206.02 181.10 Td (has ) Tj ET Q q 0 0 0 rg BT 221.98 181.10 Td (a ) Tj ET Q q 0 0 0 rg BT 229.04 181.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 274.45 181.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.51 181.10 Td (af) Tj ET Q q 0 0 0 rg BT 299.10 181.10 Td (firmative ) Tj ET Q q 0 0 0 rg BT 338.38 181.10 Td (obligation, ) Tj ET Q q 0 0 0 rg BT 384.06 181.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 426.68 181.10 Td (with ) Tj ET Q q 0 0 0 rg BT 447.09 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.94 181.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 480.66 181.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.73 181.10 Td (sound ) Tj ET Q q 0 0 0 rg BT 524.25 181.10 Td (operation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.42 169.10 Td (such ) Tj ET Q q 0 0 0 rg BT 80.84 169.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 126.00 169.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.87 169.10 Td (help ) Tj ET Q q 0 0 0 rg BT 155.17 169.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 176.70 169.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.01 169.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 215.86 169.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 240.72 169.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.14 169.10 Td (its ) Tj ET Q q 0 0 0 rg BT 262.68 169.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 287.54 169.10 Td (community) Tj ET Q q 0 0 0 rg BT 332.44 169.10 Td (, ) Tj ET Q q 0 0 0 rg BT 337.03 169.10 Td (including ) Tj ET Q q 0 0 0 rg BT 376.90 169.10 Td (low ) Tj ET Q q 0 0 0 rg BT 393.99 169.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.52 169.10 Td (moderate-income ) Tj ET Q q 0 0 0 rg BT 482.57 169.10 Td (neighborhoods. ) Tj ET Q q 0 0 0 rg BT 546.45 169.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 70.01 157.10 Td ( ) Tj ET Q q 0 0 0 rg BT 71.35 157.10 Td (does ) Tj ET Q q 0 0 0 rg BT 91.03 157.10 Td (not ) Tj ET Q q 0 0 0 rg BT 105.15 157.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 141.48 157.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 173.92 157.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 205.26 157.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 258.80 157.10 Td (or ) Tj ET Q q 0 0 0 rg BT 268.48 157.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 307.59 157.10 Td (for ) Tj ET Q q 0 0 0 rg BT 320.59 157.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 356.91 157.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 402.71 157.10 Td (nor ) Tj ET Q q 0 0 0 rg BT 417.38 157.10 Td (does ) Tj ET Q q 0 0 0 rg BT 437.06 157.10 Td (it ) Tj ET Q q 0 0 0 rg BT 443.96 157.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 464.19 157.10 Td (an ) Tj ET Q q 0 0 0 rg BT 474.97 157.10 Td (institution's ) Tj ET Q q 0 0 0 rg BT 522.57 157.10 Td (discretion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.08 145.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 94.04 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.55 145.10 Td (types ) Tj ET Q q 0 0 0 rg BT 131.96 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.60 145.10 Td (products ) Tj ET Q q 0 0 0 rg BT 179.33 145.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.07 145.10 Td (services ) Tj ET Q q 0 0 0 rg BT 230.58 145.10 Td (that ) Tj ET Q q 0 0 0 rg BT 247.88 145.10 Td (it ) Tj ET Q q 0 0 0 rg BT 255.74 145.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 290.80 145.10 Td (are ) Tj ET Q q 0 0 0 rg BT 305.31 145.10 Td (best ) Tj ET Q q 0 0 0 rg BT 323.72 145.10 Td (suited ) Tj ET Q q 0 0 0 rg BT 349.91 145.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.99 145.10 Td (its ) Tj ET Q q 0 0 0 rg BT 371.74 145.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 412.35 145.10 Td (community) Tj ET Q q 0 0 0 rg BT 457.25 145.10 Td (, ) Tj ET Q q 0 0 0 rg BT 462.05 145.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 504.35 145.10 Td (with ) Tj ET Q q 0 0 0 rg BT 524.43 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.95 145.10 Td (CRA. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (However) Tj ET Q q 0 0 0 rg BT 86.25 133.10 Td (, ) Tj ET Q q 0 0 0 rg BT 91.44 133.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 138.57 133.10 Td (are ) Tj ET Q q 0 0 0 rg BT 153.47 133.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 176.14 133.10 Td (on ) Tj ET Q q 0 0 0 rg BT 188.82 133.10 Td (their ) Tj ET Q q 0 0 0 rg BT 209.83 133.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 263.04 133.10 Td (in ) Tj ET Q q 0 0 0 rg BT 273.51 133.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 308.40 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.31 133.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 348.76 133.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.78 133.10 Td (their ) Tj ET Q q 0 0 0 rg BT 380.79 133.10 Td (communities. ) Tj ET Q q 0 0 0 rg BT 437.44 133.10 Td (The ) Tj ET Q q 0 0 0 rg BT 455.67 133.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 475.68 133.10 Td ( ) Tj ET Q q 0 0 0 rg BT 478.37 133.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 513.26 133.10 Td (each ) Tj ET Q q 0 0 0 rg BT 534.26 133.10 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.41 121.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 114.92 121.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.89 121.10 Td (take ) Tj ET Q q 0 0 0 rg BT 143.74 121.10 Td (an ) Tj ET Q q 0 0 0 rg BT 155.37 121.10 Td (institution's ) Tj ET Q q 0 0 0 rg BT 203.81 121.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 223.82 121.10 Td ( ) Tj ET Q q 0 0 0 rg BT 226.02 121.10 Td (record ) Tj ET Q q 0 0 0 rg BT 253.75 121.10 Td (into ) Tj ET Q q 0 0 0 rg BT 271.49 121.10 Td (account ) Tj ET Q q 0 0 0 rg BT 304.78 121.10 Td (when ) Tj ET Q q 0 0 0 rg BT 328.63 121.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 372.48 121.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 401.87 121.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 452.38 121.10 Td (by ) Tj ET Q q 0 0 0 rg BT 464.58 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.98 121.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 524.24 121.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 102.08 109.10 Td (for ) Tj ET Q q 0 0 0 rg BT 117.50 109.10 Td (charters, ) Tj ET Q q 0 0 0 rg BT 155.40 109.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 194.69 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.89 109.10 Td (other ) Tj ET Q q 0 0 0 rg BT 237.19 109.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 269.84 109.10 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 310.52 109.10 Td (relocations, ) Tj ET Q q 0 0 0 rg BT 360.65 109.10 Td (mer) Tj ET Q q 0 0 0 rg BT 376.02 109.10 Td (gers, ) Tj ET Q q 0 0 0 rg BT 398.94 109.10 Td (consolidations, ) Tj ET Q q 0 0 0 rg BT 462.97 109.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 514.50 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.58 109.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 553.67 109.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 102.61 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.10 97.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 156.98 97.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.59 97.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 197.19 97.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.79 97.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 247.95 97.10 Td (association ) Tj ET Q q 0 0 0 rg BT 295.55 97.10 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 348.29 97.10 Td (An ) Tj ET Q q 0 0 0 rg BT 363.67 97.10 Td (unsatisfactory ) Tj ET Q q 0 0 0 rg BT 422.93 97.10 Td (record ) Tj ET Q q 0 0 0 rg BT 451.63 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.12 97.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 516.81 97.10 Td (may ) Tj ET Q q 0 0 0 rg BT 537.19 97.10 Td (be ) Tj ET Q q 0 0 0 rg BT 549.79 97.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 73.36 85.10 Td (for ) Tj ET Q q 0 0 0 rg BT 88.38 85.10 Td (denying ) Tj ET Q q 0 0 0 rg BT 123.96 85.10 Td (or ) Tj ET Q q 0 0 0 rg BT 135.64 85.10 Td (conditioning ) Tj ET Q q 0 0 0 rg BT 189.56 85.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 227.90 85.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.59 85.10 Td (an ) Tj ET Q q 0 0 0 rg BT 252.39 85.10 Td (application ) Tj ET Q q 0 0 0 rg BT 300.18 85.10 Td (by ) Tj ET Q q 0 0 0 rg BT 313.54 85.10 Td (a ) Tj ET Q q 0 0 0 rg BT 321.33 85.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 359.67 85.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 403.59 85.10 Td (or ) Tj ET Q q 0 0 0 rg BT 415.28 85.10 Td (its ) Tj ET Q q 0 0 0 rg BT 428.09 85.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 462.01 85.10 Td (company) Tj ET Q q 0 0 0 rg BT 498.01 85.10 Td (. ) Tj ET Q q 0 0 0 rg BT 503.63 85.10 Td (The ) Tj ET Q q 0 0 0 rg BT 522.54 85.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 542.55 85.10 Td ( ) Tj ET Q q 0 0 0 rg BT 545.90 85.10 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 84.81 73.10 Td (that ) Tj ET Q q 0 0 0 rg BT 102.41 73.10 Td (all ) Tj ET Q q 0 0 0 rg BT 115.01 73.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 162.07 73.10 Td (publicly ) Tj ET Q q 0 0 0 rg BT 197.44 73.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 232.26 73.10 Td (their ) Tj ET Q q 0 0 0 rg BT 253.19 73.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 273.20 73.10 Td ( ) Tj ET Q q 0 0 0 rg BT 275.81 73.10 Td (ratings. ) Tj ET Q q 0 0 0 rg BT 308.13 73.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 330.72 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.65 73.10 Td (our ) Tj ET Q q 0 0 0 rg BT 357.59 73.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 401.30 73.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 427.23 73.10 Td (received ) Tj ET Q q 0 0 0 rg BT 463.70 73.10 Td (a ) Tj ET Q q 0 0 0 rg BT 470.74 73.10 Td (satisfactory ) Tj ET Q q 0 0 0 rg BT 528.32 73.10 Td (or ) Tj ET Q q 0 0 0 rg BT 539.25 73.10 Td (better ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 75.83 61.10 Td (from ) Tj ET Q q 0 0 0 rg BT 97.76 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.48 61.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 144.97 61.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 179.67 61.10 Td (or ) Tj ET Q q 0 0 0 rg BT 190.50 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.22 61.10 Td (OCC ) Tj ET Q q 0 0 0 rg BT 228.28 61.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.78 61.10 Td (their ) Tj ET Q q 0 0 0 rg BT 261.61 61.10 Td (most ) Tj ET Q q 0 0 0 rg BT 283.55 61.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 310.48 61.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 330.49 61.10 Td ( ) Tj ET Q q 0 0 0 rg BT 332.99 61.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 386.01 61.10 Td (evaluations.) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (15) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 100.83 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 120.55 742.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 164.17 742.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 173.79 742.10 Td (otection ) Tj ET Q q 0 0 0 rg BT 208.51 742.10 Td (Laws) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.31 721.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 94.40 721.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.59 721.10 Td (some ) Tj ET Q q 0 0 0 rg BT 135.46 721.10 Td (other ) Tj ET Q q 0 0 0 rg BT 158.76 721.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 199.29 721.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 249.26 721.10 Td (are ) Tj ET Q q 0 0 0 rg BT 264.23 721.10 Td (also ) Tj ET Q q 0 0 0 rg BT 283.09 721.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 314.17 721.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.71 721.10 Td (many ) Tj ET Q q 0 0 0 rg BT 349.69 721.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 380.20 721.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 421.83 721.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 465.13 721.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 497.88 721.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.08 721.10 Td (regulations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (including ) Tj ET Q q 0 0 0 rg BT 89.92 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.12 709.10 Td (T) Tj ET Q q 0 0 0 rg BT 109.88 709.10 Td (ruth ) Tj ET Q q 0 0 0 rg BT 128.13 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.05 709.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 173.05 709.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 192.13 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.34 709.10 Td (T) Tj ET Q q 0 0 0 rg BT 212.09 709.10 Td (ruth ) Tj ET Q q 0 0 0 rg BT 230.35 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 240.27 709.10 Td (Savings ) Tj ET Q q 0 0 0 rg BT 273.61 709.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 292.69 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.05 709.10 Td (Equal ) Tj ET Q q 0 0 0 rg BT 332.52 709.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 359.66 709.10 Td (Opportunity ) Tj ET Q q 0 0 0 rg BT 410.21 709.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 429.30 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.66 709.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 461.91 709.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 489.05 709.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 530.71 709.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 549.79 709.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Electronic ) Tj ET Q q 0 0 0 rg BT 94.24 697.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 117.72 697.10 Td (T) Tj ET Q q 0 0 0 rg BT 123.48 697.10 Td (ransfer ) Tj ET Q q 0 0 0 rg BT 153.69 697.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 173.78 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.14 697.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 233.40 697.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 273.76 697.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 317.32 697.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 337.40 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.77 697.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 385.67 697.10 Td (T) Tj ET Q q 0 0 0 rg BT 391.43 697.10 Td (rade ) Tj ET Q q 0 0 0 rg BT 411.79 697.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 464.81 697.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 482.39 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.98 697.10 Td (analogous ) Tj ET Q q 0 0 0 rg BT 543.68 697.10 Td (state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 85.52 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.76 685.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 119.89 685.10 Td (Housing ) Tj ET Q q 0 0 0 rg BT 156.14 685.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 176.10 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.34 685.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 212.69 685.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 240.15 685.10 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 285.94 685.10 Td (Procedures ) Tj ET Q q 0 0 0 rg BT 332.73 685.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 352.69 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.93 685.10 Td (Servicemembers ) Tj ET Q q 0 0 0 rg BT 437.60 685.10 Td (Civil ) Tj ET Q q 0 0 0 rg BT 460.62 685.10 Td (Relief ) Tj ET Q q 0 0 0 rg BT 487.41 685.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 504.88 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.34 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.58 685.10 Td (Home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.09 673.10 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 135.58 673.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 154.57 673.10 Td (W) Tj ET Q q 0 0 0 rg BT 163.61 673.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 191.38 673.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 232.47 673.10 Td (must ) Tj ET Q q 0 0 0 rg BT 254.13 673.10 Td (also ) Tj ET Q q 0 0 0 rg BT 272.45 673.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 304.65 673.10 Td (with ) Tj ET Q q 0 0 0 rg BT 324.65 673.10 Td (many ) Tj ET Q q 0 0 0 rg BT 349.07 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.62 673.10 Td (these ) Tj ET Q q 0 0 0 rg BT 382.37 673.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 423.46 673.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 466.22 673.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 498.42 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.07 673.10 Td (regulations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (V) Tj ET Q q 0 0 0 rg BT 56.62 661.10 Td (iolation ) Tj ET Q q 0 0 0 rg BT 89.70 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.56 661.10 Td (these ) Tj ET Q q 0 0 0 rg BT 123.63 661.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 156.15 661.10 Td (can ) Tj ET Q q 0 0 0 rg BT 172.56 661.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 191.74 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.04 661.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 246.78 661.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 284.30 661.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 317.93 661.10 Td (for ) Tj ET Q q 0 0 0 rg BT 332.12 661.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 369.63 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.60 661.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 427.17 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.47 661.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 476.11 661.10 Td (by ) Tj ET Q q 0 0 0 rg BT 488.64 661.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 533.93 661.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.79 661.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 649.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 113.30 649.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 144.13 649.10 Td (by ) Tj ET Q q 0 0 0 rg BT 156.63 649.10 Td (regulators. ) Tj ET Q q 0 0 0 rg BT 201.61 649.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 226.89 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.72 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.44 649.10 Td (key ) Tj ET Q q 0 0 0 rg BT 269.38 649.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 324.08 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.91 649.10 Td (these ) Tj ET Q q 0 0 0 rg BT 357.95 649.10 Td (laws:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 616.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 616.10 Td (require ) Tj ET Q q 0 0 0 rg BT 106.76 616.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 140.95 616.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 188.49 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.92 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.23 616.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 240.54 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.97 616.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 280.33 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.87 616.10 Td (regulate ) Tj ET Q q 0 0 0 rg BT 333.17 616.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 387.92 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.46 616.10 Td (other ) Tj ET Q q 0 0 0 rg BT 429.10 616.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 467.73 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 482.49 616.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 523.35 616.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 547.55 616.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 604.10 Td (other ) Tj ET Q q 0 0 0 rg BT 98.40 604.10 Td (types ) Tj ET Q q 0 0 0 rg BT 122.01 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.84 604.10 Td (credit;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 592.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 592.10 Td (require ) Tj ET Q q 0 0 0 rg BT 106.16 592.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 139.75 592.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 186.68 592.10 Td (about ) Tj ET Q q 0 0 0 rg BT 211.39 592.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 242.77 592.10 Td (account ) Tj ET Q q 0 0 0 rg BT 276.36 592.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 303.57 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.50 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.21 592.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 377.13 592.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 414.05 592.10 Td (that ) Tj ET Q q 0 0 0 rg BT 431.54 592.10 Td (can ) Tj ET Q q 0 0 0 rg BT 447.91 592.10 Td (be ) Tj ET Q q 0 0 0 rg BT 459.84 592.10 Td (made ) Tj ET Q q 0 0 0 rg BT 483.99 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 494.27 592.10 Td (or ) Tj ET Q q 0 0 0 rg BT 505.09 592.10 Td (from ) Tj ET Q q 0 0 0 rg BT 527.02 592.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 580.10 Td (at ) Tj ET Q q 0 0 0 rg BT 85.07 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.78 580.10 Td (banks;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 568.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 568.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 108.40 568.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 139.23 568.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 180.60 568.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 214.21 568.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.37 568.10 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 283.07 568.10 Td (transactions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 556.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 556.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 109.52 556.10 Td (discrimination ) Tj ET Q q 0 0 0 rg BT 169.78 556.10 Td (against ) Tj ET Q q 0 0 0 rg BT 200.61 556.10 Td (an ) Tj ET Q q 0 0 0 rg BT 212.55 556.10 Td (applicant ) Tj ET Q q 0 0 0 rg BT 251.70 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.98 556.10 Td (any ) Tj ET Q q 0 0 0 rg BT 278.91 556.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 320.29 556.10 Td (or ) Tj ET Q q 0 0 0 rg BT 331.12 556.10 Td (business ) Tj ET Q q 0 0 0 rg BT 367.51 556.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 392.78 556.10 Td (transaction;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 544.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 544.10 Td (require ) Tj ET Q q 0 0 0 rg BT 105.63 544.10 Td (notifications ) Tj ET Q q 0 0 0 rg BT 157.59 544.10 Td (about ) Tj ET Q q 0 0 0 rg BT 181.78 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.96 544.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 232.91 544.10 Td (or ) Tj ET Q q 0 0 0 rg BT 243.21 544.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 274.05 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.35 544.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 309.08 544.10 Td (applications, ) Tj ET Q q 0 0 0 rg BT 361.87 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.05 544.10 Td (reasons ) Tj ET Q q 0 0 0 rg BT 408.01 544.10 Td (for ) Tj ET Q q 0 0 0 rg BT 421.64 544.10 Td (a ) Tj ET Q q 0 0 0 rg BT 428.05 544.10 Td (decline, ) Tj ET Q q 0 0 0 rg BT 461.39 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.79 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.98 544.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 516.71 544.10 Td (scores ) Tj ET Q q 0 0 0 rg BT 543.67 544.10 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 85.63 532.10 Td (make ) Tj ET Q q 0 0 0 rg BT 109.78 532.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 135.05 532.10 Td (decisions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 520.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 520.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 109.52 520.10 Td (unfair) Tj ET Q q 0 0 0 rg BT 132.99 520.10 Td (, ) Tj ET Q q 0 0 0 rg BT 137.99 520.10 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 178.80 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 189.63 520.10 Td (abusive ) Tj ET Q q 0 0 0 rg BT 222.68 520.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 240.73 520.10 Td (or ) Tj ET Q q 0 0 0 rg BT 251.56 520.10 Td (practices;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 508.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 508.10 Td (require ) Tj ET Q q 0 0 0 rg BT 108.26 508.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 150.61 508.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 184.08 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.46 508.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 227.70 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.73 508.10 Td (report ) Tj ET Q q 0 0 0 rg BT 275.20 508.10 Td (applicant ) Tj ET Q q 0 0 0 rg BT 316.44 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.47 508.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 376.72 508.10 Td (data ) Tj ET Q q 0 0 0 rg BT 397.97 508.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 440.87 508.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.57 508.10 Td (for ) Tj ET Q q 0 0 0 rg BT 482.83 508.10 Td (home ) Tj ET Q q 0 0 0 rg BT 509.64 508.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 553.66 508.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 496.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 131.17 496.10 Td (projects;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 484.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 484.10 Td (require ) Tj ET Q q 0 0 0 rg BT 106.17 484.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 137.54 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.82 484.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 180.87 484.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 223.91 484.10 Td (with ) Tj ET Q q 0 0 0 rg BT 244.19 484.10 Td (information ) Tj ET Q q 0 0 0 rg BT 293.90 484.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 334.72 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.43 484.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 376.92 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.86 484.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 412.46 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.29 484.10 Td (real ) Tj ET Q q 0 0 0 rg BT 440.78 484.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 466.04 484.10 Td (settlements;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 472.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 472.10 Td (forbid ) Tj ET Q q 0 0 0 rg BT 102.29 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.01 472.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 153.94 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.77 472.10 Td (referral ) Tj ET Q q 0 0 0 rg BT 196.68 472.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 215.28 472.10 Td (for ) Tj ET Q q 0 0 0 rg BT 229.44 472.10 Td (any ) Tj ET Q q 0 0 0 rg BT 246.38 472.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 289.98 472.10 Td (service ) Tj ET Q q 0 0 0 rg BT 320.79 472.10 Td (as ) Tj ET Q q 0 0 0 rg BT 331.62 472.10 Td (part ) Tj ET Q q 0 0 0 rg BT 349.67 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 360.50 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 367.44 472.10 Td (real ) Tj ET Q q 0 0 0 rg BT 384.93 472.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 410.19 472.10 Td (transaction;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 460.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 460.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 109.52 460.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 139.22 460.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 171.71 460.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 209.74 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.68 460.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 248.07 460.10 Td (escrow ) Tj ET Q q 0 0 0 rg BT 278.89 460.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 315.28 460.10 Td (with ) Tj ET Q q 0 0 0 rg BT 335.56 460.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 366.38 460.10 Td (to ) Tj ET Q q 0 0 0 rg BT 376.65 460.10 Td (real ) Tj ET Q q 0 0 0 rg BT 394.14 460.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 419.40 460.10 Td (transactions; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 448.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 448.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 108.40 448.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 140.33 448.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 157.82 448.10 Td (reductions ) Tj ET Q q 0 0 0 rg BT 201.97 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.91 448.10 Td (other ) Tj ET Q q 0 0 0 rg BT 241.96 448.10 Td (protections ) Tj ET Q q 0 0 0 rg BT 288.89 448.10 Td (for ) Tj ET Q q 0 0 0 rg BT 303.05 448.10 Td (servicemembers ) Tj ET Q q 0 0 0 rg BT 370.52 448.10 Td (called ) Tj ET Q q 0 0 0 rg BT 396.89 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.17 448.10 Td (active ) Tj ET Q q 0 0 0 rg BT 433.54 448.10 Td (duty; ) Tj ET Q q 0 0 0 rg BT 456.60 448.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 436.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 436.10 Td (prescribe ) Tj ET Q q 0 0 0 rg BT 114.50 436.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 149.77 436.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 187.82 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 201.98 436.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 243.92 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.75 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.47 436.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 324.17 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.00 436.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 376.38 436.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 419.42 436.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 451.91 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.85 436.10 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (During ) Tj ET Q q 0 0 0 rg BT 80.83 415.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.54 415.10 Td (past ) Tj ET Q q 0 0 0 rg BT 114.15 415.10 Td (several ) Tj ET Q q 0 0 0 rg BT 144.96 415.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 171.06 415.10 Td (Congress ) Tj ET Q q 0 0 0 rg BT 210.78 415.10 Td (has ) Tj ET Q q 0 0 0 rg BT 226.60 415.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 265.20 415.10 Td (these ) Tj ET Q q 0 0 0 rg BT 288.24 415.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 309.07 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.00 415.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 356.25 415.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 398.74 415.10 Td (have ) Tj ET Q q 0 0 0 rg BT 420.11 415.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 459.27 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.21 415.10 Td (finalized ) Tj ET Q q 0 0 0 rg BT 513.68 415.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.62 415.10 Td (number ) Tj ET Q q 0 0 0 rg BT 553.66 415.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 94.71 403.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 147.74 403.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.01 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.73 403.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 219.65 403.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 277.69 403.10 Td (these ) Tj ET Q q 0 0 0 rg BT 300.74 403.10 Td (laws. ) Tj ET Q q 0 0 0 rg BT 323.51 403.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 356.00 403.10 Td (other ) Tj ET Q q 0 0 0 rg BT 379.04 403.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 408.49 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.20 403.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 455.68 403.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 492.88 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 507.59 403.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 532.87 403.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.80 403.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (OCC ) Tj ET Q q 0 0 0 rg BT 72.33 391.10 Td (have ) Tj ET Q q 0 0 0 rg BT 92.97 391.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 126.39 391.10 Td (new ) Tj ET Q q 0 0 0 rg BT 144.81 391.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 166.02 391.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 208.87 391.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.42 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.40 391.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 257.49 391.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 277.03 391.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.57 391.10 Td (some ) Tj ET Q q 0 0 0 rg BT 309.44 391.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 334.68 391.10 Td (W) Tj ET Q q 0 0 0 rg BT 343.72 391.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 371.04 391.10 Td (Mortgage\) ) Tj ET Q q 0 0 0 rg BT 415.01 391.10 Td (that ) Tj ET Q q 0 0 0 rg BT 431.77 391.10 Td (govern ) Tj ET Q q 0 0 0 rg BT 461.31 391.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 501.95 391.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 526.48 391.10 Td (practices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.41 379.10 Td (disclosures, ) Tj ET Q q 0 0 0 rg BT 117.32 379.10 Td (as ) Tj ET Q q 0 0 0 rg BT 128.62 379.10 Td (well ) Tj ET Q q 0 0 0 rg BT 148.81 379.10 Td (as ) Tj ET Q q 0 0 0 rg BT 160.11 379.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 182.52 379.10 Td (that ) Tj ET Q q 0 0 0 rg BT 200.49 379.10 Td (govern ) Tj ET Q q 0 0 0 rg BT 231.23 379.10 Td (overdraft ) Tj ET Q q 0 0 0 rg BT 270.84 379.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 309.35 379.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.76 379.10 Td (disclosures. ) Tj ET Q q 0 0 0 rg BT 376.45 379.10 Td (These ) Tj ET Q q 0 0 0 rg BT 403.30 379.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 425.71 379.10 Td (may ) Tj ET Q q 0 0 0 rg BT 445.90 379.10 Td (af) Tj ET Q q 0 0 0 rg BT 453.48 379.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 471.44 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.63 379.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 537.37 379.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 379.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.38 367.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 126.09 367.10 Td (activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.96 346.10 Td (described ) Tj ET Q q 0 0 0 rg BT 105.13 346.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 134.35 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.42 346.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 200.52 346.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 217.80 346.10 Td (established ) Tj ET Q q 0 0 0 rg BT 265.08 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.15 346.10 Td (CFPB. ) Tj ET Q q 0 0 0 rg BT 309.96 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 312.60 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 331.00 346.10 Td (law ) Tj ET Q q 0 0 0 rg BT 348.28 346.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 394.44 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.06 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.13 346.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 447.44 346.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 481.95 346.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 525.90 346.10 Td (authority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (with ) Tj ET Q q 0 0 0 rg BT 71.00 334.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 102.53 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.53 334.10 Td (many ) Tj ET Q q 0 0 0 rg BT 138.97 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.52 334.10 Td (these ) Tj ET Q q 0 0 0 rg BT 174.29 334.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 216.38 334.10 Td (related ) Tj ET Q q 0 0 0 rg BT 246.81 334.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 296.96 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.62 334.10 Td (gave ) Tj ET Q q 0 0 0 rg BT 336.72 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.15 334.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 379.84 334.10 Td (new ) Tj ET Q q 0 0 0 rg BT 399.72 334.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 439.04 334.10 Td (under ) Tj ET Q q 0 0 0 rg BT 465.03 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.47 334.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 524.79 334.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 93.09 322.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 115.09 322.10 Td (In ) Tj ET Q q 0 0 0 rg BT 125.97 322.10 Td (July201) Tj ET Q q 0 0 0 rg BT 159.77 322.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 169.82 322.10 Td (many ) Tj ET Q q 0 0 0 rg BT 194.59 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.48 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.25 322.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 261.68 322.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 299.21 322.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 342.31 322.10 Td (functions ) Tj ET Q q 0 0 0 rg BT 382.08 322.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 426.85 322.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 463.84 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 474.17 322.10 Td (other ) Tj ET Q q 0 0 0 rg BT 497.27 322.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 527.58 322.10 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (shifted ) Tj ET Q q 0 0 0 rg BT 79.89 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.33 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.22 310.10 Td (CFPB. ) Tj ET Q q 0 0 0 rg BT 137.16 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 155.38 310.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 182.51 310.10 Td (now ) Tj ET Q q 0 0 0 rg BT 202.40 310.10 Td (has ) Tj ET Q q 0 0 0 rg BT 218.40 310.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 243.84 310.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 292.05 310.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 330.83 310.10 Td (over ) Tj ET Q q 0 0 0 rg BT 351.26 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 358.37 310.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 380.48 310.10 Td (range ) Tj ET Q q 0 0 0 rg BT 405.36 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.36 310.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 457.91 310.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 501.12 310.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 522.12 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 539.78 310.10 Td (apply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.45 298.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 86.45 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.56 298.10 Td (other ) Tj ET Q q 0 0 0 rg BT 126.78 298.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 167.22 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.23 298.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 215.88 298.10 Td (products ) Tj ET Q q 0 0 0 rg BT 252.99 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 270.10 298.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 307.48 298.10 Td (including ) Tj ET Q q 0 0 0 rg BT 347.93 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.82 298.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 401.59 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.04 298.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 446.38 298.10 Td (unfair) Tj ET Q q 0 0 0 rg BT 474.29 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 479.47 298.10 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 520.45 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 531.45 298.10 Td (abusive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 95.19 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.68 286.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 134.50 286.10 Td (that ) Tj ET Q q 0 0 0 rg BT 152.21 286.10 Td (all ) Tj ET Q q 0 0 0 rg BT 164.92 286.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 210.41 286.10 Td (have ) Tj ET Q q 0 0 0 rg BT 232.00 286.10 Td (access ) Tj ET Q q 0 0 0 rg BT 260.26 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.75 286.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 305.13 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 319.50 286.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 361.10 286.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 398.80 286.10 Td (products ) Tj ET Q q 0 0 0 rg BT 435.95 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 453.11 286.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 490.53 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.69 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.18 286.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 547.00 286.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.19 274.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 103.71 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 117.79 274.10 Td (fair) Tj ET Q q 0 0 0 rg BT 131.26 274.10 Td (, ) Tj ET Q q 0 0 0 rg BT 135.63 274.10 Td (transparent ) Tj ET Q q 0 0 0 rg BT 181.91 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.22 274.10 Td (competitive. ) Tj ET Q q 0 0 0 rg BT 252.15 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 269.56 274.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 319.90 274.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 336.20 274.10 Td (also ) Tj ET Q q 0 0 0 rg BT 354.17 274.10 Td (required ) Tj ET Q q 0 0 0 rg BT 389.35 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.44 274.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 429.76 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.40 274.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 463.49 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 469.79 274.10 Td (number ) Tj ET Q q 0 0 0 rg BT 502.20 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.39 274.10 Td (new ) Tj ET Q q 0 0 0 rg BT 530.92 274.10 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 92.53 262.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 151.07 262.10 Td (These ) Tj ET Q q 0 0 0 rg BT 176.39 262.10 Td (new ) Tj ET Q q 0 0 0 rg BT 194.49 262.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 215.36 262.10 Td (may ) Tj ET Q q 0 0 0 rg BT 234.02 262.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 268.21 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.87 262.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 303.31 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.08 262.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 351.17 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 360.39 262.10 Td (these ) Tj ET Q q 0 0 0 rg BT 382.38 262.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 419.92 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 433.02 262.10 Td (all ) Tj ET Q q 0 0 0 rg BT 444.45 262.10 Td (market ) Tj ET Q q 0 0 0 rg BT 473.65 262.10 Td (participants, ) Tj ET Q q 0 0 0 rg BT 524.24 262.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.76 250.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 120.40 250.10 Td (In ) Tj ET Q q 0 0 0 rg BT 131.15 250.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 166.35 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 176.56 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.20 250.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 220.59 250.10 Td (other ) Tj ET Q q 0 0 0 rg BT 243.56 250.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 273.74 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.61 250.10 Td (state ) Tj ET Q q 0 0 0 rg BT 311.36 250.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 353.77 250.10 Td (have ) Tj ET Q q 0 0 0 rg BT 375.07 250.10 Td (issued, ) Tj ET Q q 0 0 0 rg BT 405.00 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 421.86 250.10 Td (may ) Tj ET Q q 0 0 0 rg BT 441.50 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.71 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.35 250.10 Td (future ) Tj ET Q q 0 0 0 rg BT 492.65 250.10 Td (issue, ) Tj ET Q q 0 0 0 rg BT 517.58 250.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.45 238.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 104.56 238.10 Td (af) Tj ET Q q 0 0 0 rg BT 112.14 238.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 141.92 238.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 172.81 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.15 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 198.49 238.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 236.75 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 254.31 238.10 Td (developments ) Tj ET Q q 0 0 0 rg BT 311.86 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 331.09 238.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 361.99 238.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 403.99 238.10 Td (burdens ) Tj ET Q q 0 0 0 rg BT 437.66 238.10 Td (on ) Tj ET Q q 0 0 0 rg BT 449.67 238.10 Td (us ) Tj ET Q q 0 0 0 rg BT 460.58 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.03 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 492.37 238.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 546.45 238.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 77.20 226.10 Td (has ) Tj ET Q q 0 0 0 rg BT 93.26 226.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 118.77 226.10 Td (supervisory) Tj ET Q q 0 0 0 rg BT 164.78 226.10 Td (, ) Tj ET Q q 0 0 0 rg BT 170.02 226.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 222.18 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.35 226.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 292.06 226.10 Td (authority) Tj ET Q q 0 0 0 rg BT 327.52 226.10 Td (. ) Tj ET Q q 0 0 0 rg BT 334.65 226.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 375.16 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 389.56 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.73 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 422.80 226.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 466.64 226.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 492.71 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 507.65 226.10 Td (not ) Tj ET Q q 0 0 0 rg BT 523.16 226.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.23 226.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 77.05 214.10 Td (examination, ) Tj ET Q q 0 0 0 rg BT 131.56 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.36 214.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 177.28 214.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 201.52 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 214.10 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.90 214.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 258.45 214.10 Td (including ) Tj ET Q q 0 0 0 rg BT 298.81 214.10 Td (from ) Tj ET Q q 0 0 0 rg BT 320.83 214.10 Td (its ) Tj ET Q q 0 0 0 rg BT 332.87 214.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 381.00 214.10 Td (authority) Tj ET Q q 0 0 0 rg BT 416.45 214.10 Td (, ) Tj ET Q q 0 0 0 rg BT 421.54 214.10 Td (may ) Tj ET Q q 0 0 0 rg BT 441.34 214.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 481.13 214.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 533.68 214.10 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.06 202.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 105.80 202.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 130.08 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 142.70 202.10 Td (other ) Tj ET Q q 0 0 0 rg BT 165.87 202.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 196.25 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.31 202.10 Td (state ) Tj ET Q q 0 0 0 rg BT 234.25 202.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 279.36 202.10 Td (including ) Tj ET Q q 0 0 0 rg BT 319.76 202.10 Td (those ) Tj ET Q q 0 0 0 rg BT 343.49 202.10 Td (with ) Tj ET Q q 0 0 0 rg BT 363.89 202.10 Td (jurisdiction ) Tj ET Q q 0 0 0 rg BT 412.06 202.10 Td (over ) Tj ET Q q 0 0 0 rg BT 432.45 202.10 Td (us ) Tj ET Q q 0 0 0 rg BT 443.96 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.03 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 476.98 202.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 531.82 202.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 559.50 202.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.54 190.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 115.23 190.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 131.99 190.10 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 175.40 190.10 Td (state ) Tj ET Q q 0 0 0 rg BT 196.05 190.10 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 235.02 190.10 Td (general ) Tj ET Q q 0 0 0 rg BT 266.77 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.53 190.10 Td (other ) Tj ET Q q 0 0 0 rg BT 306.40 190.10 Td (state ) Tj ET Q q 0 0 0 rg BT 327.04 190.10 Td (of) Tj ET Q q 0 0 0 rg BT 335.19 190.10 Td (ficials ) Tj ET Q q 0 0 0 rg BT 361.95 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.04 190.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 404.34 190.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 445.54 190.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 488.40 190.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 510.16 190.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 537.48 190.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.80 190.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (CFPB.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.94 157.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 124.98 157.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 145.81 157.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 183.31 157.10 Td (Generally) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.47 136.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 119.64 136.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 137.00 136.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 176.02 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.96 136.10 Td (T) Tj ET Q q 0 0 0 rg BT 196.71 136.10 Td (ruth ) Tj ET Q q 0 0 0 rg BT 215.75 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.45 136.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 262.06 136.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 279.43 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.79 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.94 136.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 333.19 136.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 360.55 136.10 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 406.25 136.10 Td (Procedures ) Tj ET Q q 0 0 0 rg BT 452.96 136.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 470.32 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 481.03 136.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 512.84 136.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.21 136.10 Td (number ) Tj ET Q q 0 0 0 rg BT 553.68 136.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (new ) Tj ET Q q 0 0 0 rg BT 69.17 124.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 123.88 124.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 164.70 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.43 124.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 225.82 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.77 124.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 281.93 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.77 124.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 336.93 124.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 377.20 124.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 403.32 124.10 Td ( ) Tj ET Q q 0 0 0 rg BT 405.65 124.10 Td (These ) Tj ET Q q 0 0 0 rg BT 432.03 124.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 485.08 124.10 Td (created ) Tj ET Q q 0 0 0 rg BT 516.45 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.40 124.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 553.67 124.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (new ) Tj ET Q q 0 0 0 rg BT 69.77 112.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 111.75 112.10 Td (protections. ) Tj ET Q q 0 0 0 rg BT 161.79 112.10 Td (First, ) Tj ET Q q 0 0 0 rg BT 185.73 112.10 Td (it ) Tj ET Q q 0 0 0 rg BT 194.39 112.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 247.49 112.10 Td (expands ) Tj ET Q q 0 0 0 rg BT 283.36 112.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 338.13 112.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 393.43 112.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 437.63 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.51 112.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 472.72 112.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 506.37 112.10 Td (by ) Tj ET Q q 0 0 0 rg BT 519.47 112.10 Td (1-4 ) Tj ET Q q 0 0 0 rg BT 535.91 112.10 Td (family ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 93.68 100.10 Td (real ) Tj ET Q q 0 0 0 rg BT 110.69 100.10 Td (property ) Tj ET Q q 0 0 0 rg BT 146.60 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.07 100.10 Td (augments ) Tj ET Q q 0 0 0 rg BT 203.42 100.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 233.20 100.10 Td (law ) Tj ET Q q 0 0 0 rg BT 249.67 100.10 Td (combating ) Tj ET Q q 0 0 0 rg BT 293.91 100.10 Td (predatory ) Tj ET Q q 0 0 0 rg BT 334.26 100.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 366.28 100.10 Td (practices. ) Tj ET Q q 0 0 0 rg BT 406.34 100.10 Td (In ) Tj ET Q q 0 0 0 rg BT 416.70 100.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 451.50 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.31 100.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 502.78 100.10 Td (new ) Tj ET Q q 0 0 0 rg BT 521.46 100.10 Td (disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 108.08 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.67 88.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 175.18 88.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 192.99 88.10 Td (imposes ) Tj ET Q q 0 0 0 rg BT 229.14 88.10 Td (new ) Tj ET Q q 0 0 0 rg BT 249.18 88.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 290.32 88.10 Td (for ) Tj ET Q q 0 0 0 rg BT 305.35 88.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 346.49 88.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 367.08 88.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 418.23 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 431.60 88.10 Td (all ) Tj ET Q q 0 0 0 rg BT 444.97 88.10 Td (lenders, ) Tj ET Q q 0 0 0 rg BT 479.72 88.10 Td (including ) Tj ET Q q 0 0 0 rg BT 520.87 88.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 547.58 88.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 82.83 76.10 Td (associations, ) Tj ET Q q 0 0 0 rg BT 136.48 76.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.08 76.10 Td (an ) Tj ET Q q 0 0 0 rg BT 159.35 76.10 Td (ef) Tj ET Q q 0 0 0 rg BT 166.94 76.10 Td (fort ) Tj ET Q q 0 0 0 rg BT 184.20 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.81 76.10 Td (strongly ) Tj ET Q q 0 0 0 rg BT 230.42 76.10 Td (encourage ) Tj ET Q q 0 0 0 rg BT 274.33 76.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 306.03 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.64 76.10 Td (verify ) Tj ET Q q 0 0 0 rg BT 343.34 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.61 76.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 387.63 76.10 Td () Tj ET Q q 0 0 0 rg BT 390.41 76.10 Td (s ) Tj ET Q q 0 0 0 rg BT 397.12 76.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 425.50 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.11 76.10 Td (repay) Tj ET Q q 0 0 0 rg BT 457.67 76.10 Td (, ) Tj ET Q q 0 0 0 rg BT 462.99 76.10 Td (while ) Tj ET Q q 0 0 0 rg BT 488.04 76.10 Td (also ) Tj ET Q q 0 0 0 rg BT 506.97 76.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 557.57 76.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (presumption ) Tj ET Q q 0 0 0 rg BT 103.68 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.69 64.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 165.46 64.10 Td (for ) Tj ET Q q 0 0 0 rg BT 180.80 64.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 211.68 64.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 255.34 64.10 Td (mortgages. ) Tj ET Q q 0 0 0 rg BT 307.62 64.10 Td (In ) Tj ET Q q 0 0 0 rg BT 319.63 64.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 358.58 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.48 64.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 426.23 64.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 444.35 64.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 485.23 64.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 521.12 64.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 553.67 64.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (securitizers ) Tj ET Q q 0 0 0 rg BT 97.77 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.78 52.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 132.78 52.10 Td (an ) Tj ET Q q 0 0 0 rg BT 144.45 52.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 185.56 52.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 217.23 52.10 Td (in ) Tj ET Q q 0 0 0 rg BT 227.24 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.70 52.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 266.70 52.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 283.93 52.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 316.71 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.72 52.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 350.07 52.10 Td (that ) Tj ET Q q 0 0 0 rg BT 367.30 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.75 52.10 Td (lender ) Tj ET Q q 0 0 0 rg BT 408.97 52.10 Td (sells, ) Tj ET Q q 0 0 0 rg BT 431.48 52.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.16 52.10 Td (other ) Tj ET Q q 0 0 0 rg BT 470.94 52.10 Td (asset-backed ) Tj ET Q q 0 0 0 rg BT 524.26 52.10 Td (securities ) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (16) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 68.63 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.49 742.10 Td (securitizer ) Tj ET Q q 0 0 0 rg BT 129.77 742.10 Td (issues, ) Tj ET Q q 0 0 0 rg BT 159.80 742.10 Td (if ) Tj ET Q q 0 0 0 rg BT 169.55 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.40 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 210.15 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 232.67 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 249.09 742.10 Td (complied ) Tj ET Q q 0 0 0 rg BT 289.94 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 311.35 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.21 742.10 Td (ability-to-repay ) Tj ET Q q 0 0 0 rg BT 393.05 742.10 Td (standards. ) Tj ET Q q 0 0 0 rg BT 436.69 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 455.88 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 474.52 742.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 513.70 742.10 Td (requirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.70 730.10 Td (will ) Tj ET Q q 0 0 0 rg BT 107.76 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 119.70 730.10 Td (5%, ) Tj ET Q q 0 0 0 rg BT 138.03 730.10 Td (but ) Tj ET Q q 0 0 0 rg BT 153.31 730.10 Td (could ) Tj ET Q q 0 0 0 rg BT 178.02 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 189.96 730.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 230.21 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 241.04 730.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 282.96 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 295.46 730.10 Td (regulation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Ability ) Tj ET Q q 0 0 0 rg BT 79.16 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.44 709.10 Td (Repay ) Tj ET Q q 0 0 0 rg BT 116.92 709.10 Td (Rule) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.58 688.10 Td (January ) Tj ET Q q 0 0 0 rg BT 98.03 688.10 Td (10, ) Tj ET Q q 0 0 0 rg BT 112.88 688.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 137.73 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.30 688.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 179.12 688.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 206.47 688.10 Td (a ) Tj ET Q q 0 0 0 rg BT 213.27 688.10 Td (final ) Tj ET Q q 0 0 0 rg BT 233.95 688.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 251.85 688.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 309.75 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.32 688.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 375.03 688.10 Td (Act) Tj ET Q q 0 0 0 rg BT 392.25 688.10 Td (s ) Tj ET Q q 0 0 0 rg BT 398.49 688.10 Td (ability-to-repay ) Tj ET Q q 0 0 0 rg BT 463.04 688.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 520.10 688.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.45 688.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 549.80 688.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (final ) Tj ET Q q 0 0 0 rg BT 71.75 676.10 Td (rule, ) Tj ET Q q 0 0 0 rg BT 93.23 676.10 Td (lenders, ) Tj ET Q q 0 0 0 rg BT 128.03 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 139.23 676.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 179.88 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 187.75 676.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 224.77 676.10 Td () Tj ET Q q 0 0 0 rg BT 227.55 676.10 Td (s ) Tj ET Q q 0 0 0 rg BT 234.87 676.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 263.84 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.05 676.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 300.68 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 308.55 676.10 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 380.27 676.10 Td (obligation, ) Tj ET Q q 0 0 0 rg BT 426.75 676.10 Td (must ) Tj ET Q q 0 0 0 rg BT 449.63 676.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 486.93 676.10 Td (eight ) Tj ET Q q 0 0 0 rg BT 510.35 676.10 Td (underwriting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (factors: ) Tj ET Q q 0 0 0 rg BT 82.38 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 84.78 664.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 98.83 664.10 Td (current ) Tj ET Q q 0 0 0 rg BT 129.54 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 140.27 664.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 185.98 664.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 223.90 664.10 Td (income ) Tj ET Q q 0 0 0 rg BT 255.73 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 266.46 664.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 294.96 664.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 309.02 664.10 Td (current ) Tj ET Q q 0 0 0 rg BT 339.73 664.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 392.11 664.10 Td (status; ) Tj ET Q q 0 0 0 rg BT 420.06 664.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 434.12 664.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 469.85 664.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 506.68 664.10 Td (on ) Tj ET Q q 0 0 0 rg BT 519.07 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.68 664.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (transaction; ) Tj ET Q q 0 0 0 rg BT 98.66 652.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 112.33 652.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 147.67 652.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 184.12 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 196.13 652.10 Td (any ) Tj ET Q q 0 0 0 rg BT 212.57 652.10 Td (simultaneous ) Tj ET Q q 0 0 0 rg BT 267.36 652.10 Td (loan; ) Tj ET Q q 0 0 0 rg BT 289.36 652.10 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 303.03 652.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 338.37 652.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 374.82 652.10 Td (for ) Tj ET Q q 0 0 0 rg BT 388.49 652.10 Td (all ) Tj ET Q q 0 0 0 rg BT 400.49 652.10 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 470.80 652.10 Td (obligations; ) Tj ET Q q 0 0 0 rg BT 520.03 652.10 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 533.70 652.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 69.14 640.10 Td (obligations, ) Tj ET Q q 0 0 0 rg BT 118.01 640.10 Td (alimony) Tj ET Q q 0 0 0 rg BT 150.14 640.10 Td (, ) Tj ET Q q 0 0 0 rg BT 154.56 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 170.93 640.10 Td (child ) Tj ET Q q 0 0 0 rg BT 192.85 640.10 Td (support; ) Tj ET Q q 0 0 0 rg BT 227.55 640.10 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 241.14 640.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 276.40 640.10 Td (debt-to-income ) Tj ET Q q 0 0 0 rg BT 339.42 640.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 359.67 640.10 Td (or ) Tj ET Q q 0 0 0 rg BT 369.92 640.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 403.51 640.10 Td (income; ) Tj ET Q q 0 0 0 rg BT 437.64 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.01 640.10 Td (\(8\)credit ) Tj ET Q q 0 0 0 rg BT 492.86 640.10 Td (history) Tj ET Q q 0 0 0 rg BT 519.99 640.10 Td (. ) Tj ET Q q 0 0 0 rg BT 524.41 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 526.20 640.10 Td (The ) Tj ET Q q 0 0 0 rg BT 543.67 640.10 Td (final ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 68.05 628.10 Td (also ) Tj ET Q q 0 0 0 rg BT 86.66 628.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 122.48 628.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 161.07 628.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 201.89 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.61 628.10 Td (application ) Tj ET Q q 0 0 0 rg BT 263.54 628.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 276.87 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.80 628.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 349.08 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 363.24 628.10 Td (evaluating, ) Tj ET Q q 0 0 0 rg BT 409.89 628.10 Td (these ) Tj ET Q q 0 0 0 rg BT 432.93 628.10 Td (factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.10 Td (Further) Tj ET Q q 0 0 0 rg BT 79.04 607.10 Td (, ) Tj ET Q q 0 0 0 rg BT 84.99 607.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.66 607.10 Td (final ) Tj ET Q q 0 0 0 rg BT 122.43 607.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 141.43 607.10 Td (clarified ) Tj ET Q q 0 0 0 rg BT 178.19 607.10 Td (that ) Tj ET Q q 0 0 0 rg BT 196.64 607.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 235.63 607.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 280.74 607.10 Td (do ) Tj ET Q q 0 0 0 rg BT 294.19 607.10 Td (not ) Tj ET Q q 0 0 0 rg BT 310.42 607.10 Td (include ) Tj ET Q q 0 0 0 rg BT 343.30 607.10 Td (no-doc ) Tj ET Q q 0 0 0 rg BT 383.40 607.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 407.96 607.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.85 607.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 450.41 607.10 Td (with ) Tj ET Q q 0 0 0 rg BT 471.64 607.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 508.96 607.10 Td (amortization, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (interest-only ) Tj ET Q q 0 0 0 rg BT 102.83 595.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 145.94 595.10 Td (balloon ) Tj ET Q q 0 0 0 rg BT 178.22 595.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 221.33 595.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 245.83 595.10 Td (in ) Tj ET Q q 0 0 0 rg BT 255.89 595.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 284.28 595.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.89 595.10 Td (30 ) Tj ET Q q 0 0 0 rg BT 307.18 595.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 333.06 595.10 Td (or ) Tj ET Q q 0 0 0 rg BT 343.68 595.10 Td (points ) Tj ET Q q 0 0 0 rg BT 370.41 595.10 Td (and ) Tj ET Q q 0 0 0 rg BT 387.13 595.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 405.52 595.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 425.02 595.10 Td (by ) Tj ET Q q 0 0 0 rg BT 437.30 595.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.81 595.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 490.74 595.10 Td (that ) Tj ET Q q 0 0 0 rg BT 508.02 595.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 538.06 595.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 553.68 595.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.58 583.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 84.16 583.10 Td (amount, ) Tj ET Q q 0 0 0 rg BT 119.02 583.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 149.71 583.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.86 583.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 189.42 583.10 Td (exceptions. ) Tj ET Q q 0 0 0 rg BT 237.05 583.10 Td ( ) Tj ET Q q 0 0 0 rg BT 239.42 583.10 Td (In ) Tj ET Q q 0 0 0 rg BT 250.11 583.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 287.75 583.10 Td (for ) Tj ET Q q 0 0 0 rg BT 301.77 583.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 339.68 583.10 Td (mortgages, ) Tj ET Q q 0 0 0 rg BT 386.20 583.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.78 583.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 418.69 583.10 Td (mandated ) Tj ET Q q 0 0 0 rg BT 459.93 583.10 Td (that ) Tj ET Q q 0 0 0 rg BT 477.29 583.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.87 583.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 527.57 583.10 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.78 571.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 104.64 571.10 Td (on ) Tj ET Q q 0 0 0 rg BT 116.98 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.53 571.10 Td (highest ) Tj ET Q q 0 0 0 rg BT 162.76 571.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 199.53 571.10 Td (that ) Tj ET Q q 0 0 0 rg BT 216.86 571.10 Td (will ) Tj ET Q q 0 0 0 rg BT 234.76 571.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 259.30 571.10 Td (in ) Tj ET Q q 0 0 0 rg BT 269.42 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.97 571.10 Td (first ) Tj ET Q q 0 0 0 rg BT 302.42 571.10 Td (five ) Tj ET Q q 0 0 0 rg BT 320.30 571.10 Td (years ) Tj ET Q q 0 0 0 rg BT 343.74 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.41 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.96 571.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 391.02 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.79 571.10 Td (required ) Tj ET Q q 0 0 0 rg BT 443.45 571.10 Td (that ) Tj ET Q q 0 0 0 rg BT 460.78 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.34 571.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 512.36 571.10 Td () Tj ET Q q 0 0 0 rg BT 515.14 571.10 Td (s ) Tj ET Q q 0 0 0 rg BT 521.37 571.10 Td (total ) Tj ET Q q 0 0 0 rg BT 541.48 571.10 Td (debt-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (to-income ) Tj ET Q q 0 0 0 rg BT 92.94 559.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 113.67 559.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 153.27 559.10 Td (may ) Tj ET Q q 0 0 0 rg BT 172.89 559.10 Td (not ) Tj ET Q q 0 0 0 rg BT 188.07 559.10 Td (be ) Tj ET Q q 0 0 0 rg BT 199.91 559.10 Td (more ) Tj ET Q q 0 0 0 rg BT 222.86 559.10 Td (than ) Tj ET Q q 0 0 0 rg BT 242.48 559.10 Td (43%. ) Tj ET Q q 0 0 0 rg BT 265.71 559.10 Td ( ) Tj ET Q q 0 0 0 rg BT 267.94 559.10 Td (The ) Tj ET Q q 0 0 0 rg BT 285.88 559.10 Td (final ) Tj ET Q q 0 0 0 rg BT 306.61 559.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 324.56 559.10 Td (also ) Tj ET Q q 0 0 0 rg BT 343.07 559.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 381.02 559.10 Td (that ) Tj ET Q q 0 0 0 rg BT 398.41 559.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 428.02 559.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 472.07 559.10 Td (that ) Tj ET Q q 0 0 0 rg BT 489.47 559.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 517.98 559.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.60 559.10 Td (general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (product ) Tj ET Q q 0 0 0 rg BT 82.05 547.10 Td (feature ) Tj ET Q q 0 0 0 rg BT 111.32 547.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 165.03 547.10 Td (for ) Tj ET Q q 0 0 0 rg BT 178.19 547.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 215.24 547.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 258.41 547.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.35 547.10 Td (that ) Tj ET Q q 0 0 0 rg BT 290.86 547.10 Td (also ) Tj ET Q q 0 0 0 rg BT 308.47 547.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 336.09 547.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.81 547.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 402.98 547.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 456.69 547.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.52 547.10 Td (FannieMae ) Tj ET Q q 0 0 0 rg BT 515.52 547.10 Td (and ) Tj ET Q q 0 0 0 rg BT 531.46 547.10 Td (Freddie ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (Mac ) Tj ET Q q 0 0 0 rg BT 72.80 535.10 Td (\(while ) Tj ET Q q 0 0 0 rg BT 103.38 535.10 Td (they ) Tj ET Q q 0 0 0 rg BT 125.63 535.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 160.09 535.10 Td (under ) Tj ET Q q 0 0 0 rg BT 187.89 535.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 220.68 535.10 Td (conservatorship ) Tj ET Q q 0 0 0 rg BT 289.03 535.10 Td (or ) Tj ET Q q 0 0 0 rg BT 302.39 535.10 Td (receivership\), ) Tj ET Q q 0 0 0 rg BT 362.12 535.10 Td (or ) Tj ET Q q 0 0 0 rg BT 375.48 535.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.73 535.10 Td (U.S.Department ) Tj ET Q q 0 0 0 rg BT 465.25 535.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.61 535.10 Td (Housing ) Tj ET Q q 0 0 0 rg BT 517.54 535.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.01 535.10 Td (Urban ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (Development, ) Tj ET Q q 0 0 0 rg BT 108.76 523.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 158.34 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.88 523.10 Td (V) Tj ET Q q 0 0 0 rg BT 175.00 523.10 Td (eterans ) Tj ET Q q 0 0 0 rg BT 205.17 523.10 Td (Af) Tj ET Q q 0 0 0 rg BT 215.54 523.10 Td (fairs, ) Tj ET Q q 0 0 0 rg BT 238.20 523.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.91 523.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 298.50 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.68 523.10 Td (Agriculture ) Tj ET Q q 0 0 0 rg BT 357.16 523.10 Td (or ) Tj ET Q q 0 0 0 rg BT 367.88 523.10 Td (Rural ) Tj ET Q q 0 0 0 rg BT 392.48 523.10 Td (Housing ) Tj ET Q q 0 0 0 rg BT 428.75 523.10 Td (Service, ) Tj ET Q q 0 0 0 rg BT 463.62 523.10 Td (are ) Tj ET Q q 0 0 0 rg BT 478.21 523.10 Td (also ) Tj ET Q q 0 0 0 rg BT 496.71 523.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 542.41 523.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.57 523.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 88.51 511.10 Td (mortgages. ) Tj ET Q q 0 0 0 rg BT 135.63 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 138.39 511.10 Td (This ) Tj ET Q q 0 0 0 rg BT 159.13 511.10 Td (second ) Tj ET Q q 0 0 0 rg BT 189.87 511.10 Td (category ) Tj ET Q q 0 0 0 rg BT 227.26 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.56 511.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 277.07 511.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 321.69 511.10 Td (will ) Tj ET Q q 0 0 0 rg BT 340.21 511.10 Td (phase ) Tj ET Q q 0 0 0 rg BT 365.95 511.10 Td (out ) Tj ET Q q 0 0 0 rg BT 381.70 511.10 Td (as ) Tj ET Q q 0 0 0 rg BT 393.00 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.18 511.10 Td (aforementioned ) Tj ET Q q 0 0 0 rg BT 473.90 511.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 504.62 511.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 542.01 511.10 Td (issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (their ) Tj ET Q q 0 0 0 rg BT 70.69 499.10 Td (own ) Tj ET Q q 0 0 0 rg BT 90.28 499.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 112.08 499.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 152.76 499.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 190.67 499.10 Td (mortgages, ) Tj ET Q q 0 0 0 rg BT 237.19 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.77 499.10 Td (conservatorship ) Tj ET Q q 0 0 0 rg BT 317.46 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.15 499.10 Td (Fannie ) Tj ET Q q 0 0 0 rg BT 357.73 499.10 Td (Mae ) Tj ET Q q 0 0 0 rg BT 377.87 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.67 499.10 Td (Freddie ) Tj ET Q q 0 0 0 rg BT 427.59 499.10 Td (Mac ) Tj ET Q q 0 0 0 rg BT 447.72 499.10 Td (ends, ) Tj ET Q q 0 0 0 rg BT 470.92 499.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 490.22 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.36 499.10 Td (any ) Tj ET Q q 0 0 0 rg BT 517.17 499.10 Td (event, ) Tj ET Q q 0 0 0 rg BT 543.69 499.10 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (seven ) Tj ET Q q 0 0 0 rg BT 75.27 487.10 Td (years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.87 466.10 Td (set ) Tj ET Q q 0 0 0 rg BT 77.73 466.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 99.93 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 110.46 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.44 466.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 176.47 466.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 196.16 466.10 Td (subprime ) Tj ET Q q 0 0 0 rg BT 236.13 466.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 250.55 466.10 Td (higher) Tj ET Q q 0 0 0 rg BT 275.90 466.10 Td (-priced\) ) Tj ET Q q 0 0 0 rg BT 310.30 466.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 350.82 466.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 374.68 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 389.65 466.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 420.73 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.26 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.24 466.10 Td (ability-to-repay ) Tj ET Q q 0 0 0 rg BT 511.19 466.10 Td (requirement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.25 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 80.29 454.10 Td (final ) Tj ET Q q 0 0 0 rg BT 100.43 454.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 117.79 454.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 155.16 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 168.63 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 174.89 454.10 Td (rebuttable ) Tj ET Q q 0 0 0 rg BT 216.68 454.10 Td (presumption ) Tj ET Q q 0 0 0 rg BT 268.50 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.64 454.10 Td (lender ) Tj ET Q q 0 0 0 rg BT 305.44 454.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 353.35 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 366.83 454.10 Td (those ) Tj ET Q q 0 0 0 rg BT 389.75 454.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 415.04 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 432.41 454.10 Td (final ) Tj ET Q q 0 0 0 rg BT 452.55 454.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 469.91 454.10 Td (also ) Tj ET Q q 0 0 0 rg BT 487.84 454.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 519.09 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.12 454.10 Td (ability-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (to-repay ) Tj ET Q q 0 0 0 rg BT 85.75 442.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 136.50 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.71 442.10 Td (prime ) Tj ET Q q 0 0 0 rg BT 172.47 442.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 198.52 442.10 Td (while ) Tj ET Q q 0 0 0 rg BT 223.17 442.10 Td (also ) Tj ET Q q 0 0 0 rg BT 241.71 442.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 283.03 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 289.91 442.10 Td (conclusive ) Tj ET Q q 0 0 0 rg BT 335.11 442.10 Td (presumption ) Tj ET Q q 0 0 0 rg BT 387.54 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.30 442.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 446.83 442.10 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 467.31 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.18 442.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 492.72 442.10 Td (harbor\) ) Tj ET Q q 0 0 0 rg BT 524.58 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 538.68 442.10 Td (prime ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.75 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 91.39 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 106.24 430.10 Td (also ) Tj ET Q q 0 0 0 rg BT 125.00 430.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 163.18 430.10 Td (mortgages. ) Tj ET Q q 0 0 0 rg BT 209.40 430.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 259.30 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 264.44 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.30 430.10 Td (final ) Tj ET Q q 0 0 0 rg BT 300.27 430.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 318.46 430.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 358.31 430.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 402.06 430.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 451.90 430.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 490.09 430.10 Td (\(subject ) Tj ET Q q 0 0 0 rg BT 524.39 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.81 430.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (exceptions\) ) Tj ET Q q 0 0 0 rg BT 99.35 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.05 418.10 Td (set ) Tj ET Q q 0 0 0 rg BT 131.42 418.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 154.12 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 161.82 418.10 Td (3-year ) Tj ET Q q 0 0 0 rg BT 190.62 418.10 Td (record ) Tj ET Q q 0 0 0 rg BT 219.42 418.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 258.22 418.10 Td (period ) Tj ET Q q 0 0 0 rg BT 287.03 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 308.07 418.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 339.64 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.68 418.10 Td (documenting ) Tj ET Q q 0 0 0 rg BT 406.15 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.85 418.10 Td (demonstrating ) Tj ET Q q 0 0 0 rg BT 484.33 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.80 418.10 Td (ability-to-repay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 100.81 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.75 406.10 Td (other ) Tj ET Q q 0 0 0 rg BT 140.80 406.10 Td (provisions. ) Tj ET Q q 0 0 0 rg BT 187.47 406.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 87.50 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.78 385.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 139.72 385.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 162.78 385.10 Td (Originator ) Tj ET Q q 0 0 0 rg BT 208.62 385.10 Td (Compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (Previously ) Tj ET Q q 0 0 0 rg BT 94.65 364.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 128.18 364.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 174.48 364.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 220.77 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.85 364.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 292.26 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.46 364.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 342.09 364.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 361.17 364.10 Td (originators ) Tj ET Q q 0 0 0 rg BT 406.36 364.10 Td (have ) Tj ET Q q 0 0 0 rg BT 427.11 364.10 Td (been ) Tj ET Q q 0 0 0 rg BT 447.85 364.10 Td (amended. ) Tj ET Q q 0 0 0 rg BT 487.90 364.10 Td (As ) Tj ET Q q 0 0 0 rg BT 500.88 364.10 Td (a ) Tj ET Q q 0 0 0 rg BT 507.18 364.10 Td (result ) Tj ET Q q 0 0 0 rg BT 531.27 364.10 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 364.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (amendments, ) Tj ET Q q 0 0 0 rg BT 106.28 352.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 147.28 352.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 167.73 352.10 Td (originators ) Tj ET Q q 0 0 0 rg BT 214.29 352.10 Td (may ) Tj ET Q q 0 0 0 rg BT 234.75 352.10 Td (not ) Tj ET Q q 0 0 0 rg BT 250.76 352.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 282.86 352.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 341.64 352.10 Td (based ) Tj ET Q q 0 0 0 rg BT 367.64 352.10 Td (on ) Tj ET Q q 0 0 0 rg BT 380.88 352.10 Td (a ) Tj ET Q q 0 0 0 rg BT 388.55 352.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 429.55 352.10 Td (transaction) Tj ET Q q 0 0 0 rg BT 476.20 352.10 Td (s ) Tj ET Q q 0 0 0 rg BT 483.33 352.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 508.79 352.10 Td (or ) Tj ET Q q 0 0 0 rg BT 520.35 352.10 Td (conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.18 340.10 Td (than ) Tj ET Q q 0 0 0 rg BT 93.03 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.88 340.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 140.51 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.48 340.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 176.88 340.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 215.60 340.10 Td (under ) Tj ET Q q 0 0 0 rg BT 241.01 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.86 340.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 296.25 340.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 318.61 340.10 Td (Further) Tj ET Q q 0 0 0 rg BT 347.64 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 352.78 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.63 340.10 Td (new ) Tj ET Q q 0 0 0 rg BT 386.92 340.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 427.33 340.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 448.85 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.70 340.10 Td (total ) Tj ET Q q 0 0 0 rg BT 484.11 340.10 Td (points ) Tj ET Q q 0 0 0 rg BT 511.19 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.27 340.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 547.00 340.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.39 328.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 79.79 328.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 108.29 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 115.68 328.10 Td (broker ) Tj ET Q q 0 0 0 rg BT 144.73 328.10 Td (may ) Tj ET Q q 0 0 0 rg BT 164.90 328.10 Td (char) Tj ET Q q 0 0 0 rg BT 181.93 328.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 194.32 328.10 Td (on ) Tj ET Q q 0 0 0 rg BT 207.28 328.10 Td (conforming ) Tj ET Q q 0 0 0 rg BT 256.88 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.28 328.10 Td (jumbo ) Tj ET Q q 0 0 0 rg BT 302.79 328.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 326.85 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 337.58 328.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 353.87 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.15 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.32 328.10 Td (total ) Tj ET Q q 0 0 0 rg BT 401.05 328.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 421.22 328.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 456.67 328.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 498.50 328.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 518.67 328.10 Td (originators ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.45 316.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 100.55 316.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 158.33 316.10 Td (from ) Tj ET Q q 0 0 0 rg BT 180.00 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 186.67 316.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 227.79 316.10 Td (or ) Tj ET Q q 0 0 0 rg BT 238.35 316.10 Td (from ) Tj ET Q q 0 0 0 rg BT 260.03 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 266.70 316.10 Td (lender) Tj ET Q q 0 0 0 rg BT 291.29 316.10 Td (, ) Tj ET Q q 0 0 0 rg BT 296.02 316.10 Td (but ) Tj ET Q q 0 0 0 rg BT 311.03 316.10 Td (not ) Tj ET Q q 0 0 0 rg BT 326.05 316.10 Td (both.) Tj ET Q q 0 0 0 rg BT 348.65 316.10 Td (These ) Tj ET Q q 0 0 0 rg BT 374.76 316.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 396.43 316.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 428.10 316.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 482.54 316.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 520.32 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.33 316.10 Td (prohibit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.07 304.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 109.60 304.10 Td (originators ) Tj ET Q q 0 0 0 rg BT 155.23 304.10 Td (from ) Tj ET Q q 0 0 0 rg BT 176.98 304.10 Td (steering ) Tj ET Q q 0 0 0 rg BT 219.82 304.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 264.90 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.99 304.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 298.41 304.10 Td (that ) Tj ET Q q 0 0 0 rg BT 315.71 304.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 348.57 304.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 388.64 304.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 408.17 304.10 Td (originators ) Tj ET Q q 0 0 0 rg BT 453.80 304.10 Td (with ) Tj ET Q q 0 0 0 rg BT 473.89 304.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 503.96 304.10 Td (compensation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.83 292.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 98.60 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.32 292.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 135.26 292.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 167.19 292.10 Td (other ) Tj ET Q q 0 0 0 rg BT 190.24 292.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 244.94 292.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 291.87 292.10 Td (recordkeeping.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.94 271.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 115.00 271.10 Td (Servicing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.34 250.10 Td (January17, ) Tj ET Q q 0 0 0 rg BT 114.56 250.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 140.19 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.52 250.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 183.11 250.10 Td (announced ) Tj ET Q q 0 0 0 rg BT 229.54 250.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 252.10 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.00 250.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 308.90 250.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 339.22 250.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 384.01 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.46 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.80 250.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 462.11 250.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 479.67 250.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 513.34 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.24 250.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (servicing. ) Tj ET Q q 0 0 0 rg BT 90.88 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 108.29 238.10 Td (new ) Tj ET Q q 0 0 0 rg BT 126.81 238.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 165.32 238.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 186.62 238.10 Td (require ) Tj ET Q q 0 0 0 rg BT 216.79 238.10 Td (servicers ) Tj ET Q q 0 0 0 rg BT 254.19 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.83 238.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 285.12 238.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 314.18 238.10 Td (benchmarks ) Tj ET Q q 0 0 0 rg BT 364.36 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 377.88 238.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 396.95 238.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 435.47 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.76 238.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 490.28 238.10 Td (service ) Tj ET Q q 0 0 0 rg BT 520.45 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 530.09 238.10 Td (general. ) Tj ET Q q 0 0 0 rg BT 564.52 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (Servicers ) Tj ET Q q 0 0 0 rg BT 89.26 226.10 Td (must ) Tj ET Q q 0 0 0 rg BT 110.76 226.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 143.36 226.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 178.17 226.10 Td (billing ) Tj ET Q q 0 0 0 rg BT 206.34 226.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 250.60 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.10 226.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 296.35 226.10 Td (required ) Tj ET Q q 0 0 0 rg BT 331.72 226.10 Td (notices ) Tj ET Q q 0 0 0 rg BT 362.09 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 378.59 226.10 Td (acknowledgments, ) Tj ET Q q 0 0 0 rg BT 455.34 226.10 Td (promptly ) Tj ET Q q 0 0 0 rg BT 494.06 226.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 518.87 226.10 Td (borrowers) Tj ET Q q 0 0 0 rg BT 562.00 226.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 87.01 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 100.69 214.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 141.04 214.10 Td (received ) Tj ET Q q 0 0 0 rg BT 176.93 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.39 214.10 Td (promptly ) Tj ET Q q 0 0 0 rg BT 232.08 214.10 Td (investigate ) Tj ET Q q 0 0 0 rg BT 277.42 214.10 Td (complaints ) Tj ET Q q 0 0 0 rg BT 323.33 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 335.35 214.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 377.92 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.38 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 408.61 214.10 Td (required ) Tj ET Q q 0 0 0 rg BT 443.95 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.75 214.10 Td (take ) Tj ET Q q 0 0 0 rg BT 472.43 214.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 514.45 214.10 Td (steps ) Tj ET Q q 0 0 0 rg BT 536.47 214.10 Td (before ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (purchasing ) Tj ET Q q 0 0 0 rg BT 95.90 202.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 136.23 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.03 202.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 175.81 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.05 202.10 Td (lender) Tj ET Q q 0 0 0 rg BT 215.40 202.10 Td () Tj ET Q q 0 0 0 rg BT 218.18 202.10 Td (s ) Tj ET Q q 0 0 0 rg BT 224.09 202.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 255.54 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 265.34 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.58 202.10 Td (property) Tj ET Q q 0 0 0 rg BT 312.81 202.10 Td (. ) Tj ET Q q 0 0 0 rg BT 317.32 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.20 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 336.76 202.10 Td (new ) Tj ET Q q 0 0 0 rg BT 355.44 202.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 394.12 202.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 415.57 202.10 Td (also ) Tj ET Q q 0 0 0 rg BT 433.70 202.10 Td (call ) Tj ET Q q 0 0 0 rg BT 450.15 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 463.83 202.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 505.84 202.10 Td (notice, ) Tj ET Q q 0 0 0 rg BT 534.80 202.10 Td (review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 190.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 95.55 190.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 150.25 190.10 Td (with ) Tj ET Q q 0 0 0 rg BT 170.53 190.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 201.35 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 211.63 190.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 256.34 190.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 301.70 190.10 Td (The ) Tj ET Q q 0 0 0 rg BT 319.75 190.10 Td (new ) Tj ET Q q 0 0 0 rg BT 338.91 190.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 378.06 190.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 400.00 190.10 Td (took ) Tj ET Q q 0 0 0 rg BT 420.28 190.10 Td (ef) Tj ET Q q 0 0 0 rg BT 427.87 190.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 445.35 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 457.85 190.10 Td (January10, ) Tj ET Q q 0 0 0 rg BT 506.45 190.10 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.47 169.10 Td (order ) Tj ET Q q 0 0 0 rg BT 83.72 169.10 Td (to ) Tj ET Q q 0 0 0 rg BT 93.64 169.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 121.88 169.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 170.11 169.10 Td (with ) Tj ET Q q 0 0 0 rg BT 190.03 169.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.39 169.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 254.95 169.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 271.53 169.10 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 341.97 169.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 363.55 169.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.91 169.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 418.94 169.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 471.63 169.10 Td (its ) Tj ET Q q 0 0 0 rg BT 483.22 169.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 524.24 169.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.41 157.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 115.49 157.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.13 157.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 151.54 157.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 190.40 157.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 234.25 157.10 Td (within ) Tj ET Q q 0 0 0 rg BT 261.84 157.10 Td (W) Tj ET Q q 0 0 0 rg BT 270.88 157.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 298.64 157.10 Td (Mortgage. ) Tj ET Q q 0 0 0 rg BT 342.21 157.10 Td ( ) Tj ET Q q 0 0 0 rg BT 344.41 157.10 Td ( ) Tj ET Q q 0 0 0 rg BT 346.12 157.10 Td (All ) Tj ET Q q 0 0 0 rg BT 361.09 157.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 402.17 157.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 442.13 157.10 Td (applications ) Tj ET Q q 0 0 0 rg BT 492.65 157.10 Td (are ) Tj ET Q q 0 0 0 rg BT 507.05 157.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 530.90 157.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 145.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 87.05 145.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 128.38 145.10 Td (which ) Tj ET Q q 0 0 0 rg BT 155.27 145.10 Td (has ) Tj ET Q q 0 0 0 rg BT 171.05 145.10 Td (extensively ) Tj ET Q q 0 0 0 rg BT 219.05 145.10 Td (trained ) Tj ET Q q 0 0 0 rg BT 249.26 145.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 268.93 145.10 Td (originators ) Tj ET Q q 0 0 0 rg BT 314.71 145.10 Td (located ) Tj ET Q q 0 0 0 rg BT 346.03 145.10 Td (at ) Tj ET Q q 0 0 0 rg BT 355.70 145.10 Td (each ) Tj ET Q q 0 0 0 rg BT 376.47 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.25 145.10 Td (our ) Tj ET Q q 0 0 0 rg BT 403.04 145.10 Td (branches. ) Tj ET Q q 0 0 0 rg BT 443.35 145.10 Td (While ) Tj ET Q q 0 0 0 rg BT 470.24 145.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.47 145.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 510.12 145.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 540.90 145.10 Td (cases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (our ) Tj ET Q q 0 0 0 rg BT 64.65 133.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 89.30 133.10 Td (may ) Tj ET Q q 0 0 0 rg BT 107.84 133.10 Td (of) Tj ET Q q 0 0 0 rg BT 115.99 133.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 128.41 133.10 Td (specialized ) Tj ET Q q 0 0 0 rg BT 174.16 133.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 214.35 133.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 257.33 133.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.43 133.10 Td (our ) Tj ET Q q 0 0 0 rg BT 281.08 133.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 325.45 133.10 Td (we ) Tj ET Q q 0 0 0 rg BT 338.44 133.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 365.85 133.10 Td (that ) Tj ET Q q 0 0 0 rg BT 382.17 133.10 Td (on ) Tj ET Q q 0 0 0 rg BT 393.49 133.10 Td (a ) Tj ET Q q 0 0 0 rg BT 399.25 133.10 Td (going ) Tj ET Q q 0 0 0 rg BT 423.35 133.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 456.33 133.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 480.15 133.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 520.35 133.10 Td (mortgages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.06 121.10 Td (all ) Tj ET Q q 0 0 0 rg BT 76.46 121.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.19 121.10 Td (our ) Tj ET Q q 0 0 0 rg BT 102.92 121.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 128.65 121.10 Td (will ) Tj ET Q q 0 0 0 rg BT 146.60 121.10 Td (be ) Tj ET Q q 0 0 0 rg BT 158.44 121.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 201.38 121.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.22 121.10 Td (closed ) Tj ET Q q 0 0 0 rg BT 246.17 121.10 Td (by ) Tj ET Q q 0 0 0 rg BT 258.39 121.10 Td (W) Tj ET Q q 0 0 0 rg BT 267.43 121.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 295.39 121.10 Td (Mortgage. ) Tj ET Q q 0 0 0 rg BT 339.17 121.10 Td ( ) Tj ET Q q 0 0 0 rg BT 341.39 121.10 Td (W) Tj ET Q q 0 0 0 rg BT 350.43 121.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 378.39 121.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 419.66 121.10 Td (then ) Tj ET Q q 0 0 0 rg BT 439.28 121.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 459.46 121.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 482.97 121.10 Td (to ) Tj ET Q q 0 0 0 rg BT 493.14 121.10 Td (third ) Tj ET Q q 0 0 0 rg BT 514.43 121.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 543.49 121.10 Td (or ) Tj ET Q q 0 0 0 rg BT 554.22 121.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (our ) Tj ET Q q 0 0 0 rg BT 64.98 109.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 92.46 109.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.98 109.10 Td (T) Tj ET Q q 0 0 0 rg BT 99.40 109.10 Td (o ) Tj ET Q q 0 0 0 rg BT 106.04 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.91 109.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 145.99 109.10 Td (that ) Tj ET Q q 0 0 0 rg BT 162.63 109.10 Td (we ) Tj ET Q q 0 0 0 rg BT 175.94 109.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 200.35 109.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 240.88 109.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 280.29 109.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 303.04 109.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.47 109.10 Td (our ) Tj ET Q q 0 0 0 rg BT 327.45 109.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 348.54 109.10 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 391.57 109.10 Td (our ) Tj ET Q q 0 0 0 rg BT 406.55 109.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 431.53 109.10 Td (have ) Tj ET Q q 0 0 0 rg BT 452.05 109.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 486.90 109.10 Td (W) Tj ET Q q 0 0 0 rg BT 495.93 109.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 523.14 109.10 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.84 97.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 92.46 97.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 111.74 97.10 Td (servicing. ) Tj ET Q q 0 0 0 rg BT 152.96 97.10 Td ( ) Tj ET Q q 0 0 0 rg BT 154.88 97.10 Td (W) Tj ET Q q 0 0 0 rg BT 163.51 97.10 Td (e ) Tj ET Q q 0 0 0 rg BT 170.02 97.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 200.95 97.10 Td (that ) Tj ET Q q 0 0 0 rg BT 218.01 97.10 Td (by ) Tj ET Q q 0 0 0 rg BT 230.08 97.10 Td (centralizing ) Tj ET Q q 0 0 0 rg BT 279.34 97.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 298.63 97.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 344.57 97.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.08 97.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 399.80 97.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 443.52 97.10 Td (we ) Tj ET Q q 0 0 0 rg BT 457.24 97.10 Td (will ) Tj ET Q q 0 0 0 rg BT 474.87 97.10 Td (not ) Tj ET Q q 0 0 0 rg BT 489.71 97.10 Td (only ) Tj ET Q q 0 0 0 rg BT 509.55 97.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 531.05 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 545.33 97.10 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.59 85.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 155.79 85.10 Td (but ) Tj ET Q q 0 0 0 rg BT 171.07 85.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 200.21 85.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 222.71 85.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 266.31 85.10 Td (with ) Tj ET Q q 0 0 0 rg BT 286.59 85.10 Td (such ) Tj ET Q q 0 0 0 rg BT 307.42 85.10 Td (compliance.) Tj ET Q endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (17) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (TILA-RESP) Tj ET Q q 0 0 0 rg BT 95.93 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 101.86 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.36 742.10 Td (Integrated ) Tj ET Q q 0 0 0 rg BT 148.51 742.10 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 187.03 742.10 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.40 718.10 Td (December ) Tj ET Q q 0 0 0 rg BT 109.65 718.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 125.33 718.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 151.00 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.39 718.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 194.03 718.10 Td (published ) Tj ET Q q 0 0 0 rg BT 236.09 718.10 Td (final ) Tj ET Q q 0 0 0 rg BT 257.59 718.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 280.20 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.81 718.10 Td (forms ) Tj ET Q q 0 0 0 rg BT 324.32 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 342.49 718.10 Td (combine ) Tj ET Q q 0 0 0 rg BT 380.09 718.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 410.47 718.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 458.08 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 476.25 718.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 522.19 718.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 554.23 718.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 97.24 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.39 706.10 Td (applying ) Tj ET Q q 0 0 0 rg BT 156.75 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 171.78 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.58 706.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 221.84 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 235.21 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 243.01 706.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 284.15 706.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 304.73 706.10 Td (under ) Tj ET Q q 0 0 0 rg BT 330.87 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.21 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 351.97 706.10 Td (ruth ) Tj ET Q q 0 0 0 rg BT 371.44 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 382.59 706.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 418.54 706.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 436.35 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.15 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.74 706.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 491.43 706.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 519.23 706.10 Td (Settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Procedures ) Tj ET Q q 0 0 0 rg BT 95.81 694.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 114.51 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.15 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 133.47 694.10 Td (two ) Tj ET Q q 0 0 0 rg BT 150.23 694.10 Td (new ) Tj ET Q q 0 0 0 rg BT 168.66 694.10 Td (forms ) Tj ET Q q 0 0 0 rg BT 193.76 694.10 Td (developed ) Tj ET Q q 0 0 0 rg BT 236.62 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 248.39 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.37 694.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 288.60 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 302.58 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.56 694.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 338.88 694.10 Td (Estimate ) Tj ET Q q 0 0 0 rg BT 375.63 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.84 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.82 694.10 Td (Closing ) Tj ET Q q 0 0 0 rg BT 438.71 694.10 Td (Disclosure. ) Tj ET Q q 0 0 0 rg BT 485.75 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.39 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 504.70 694.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 527.02 694.10 Td (Estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (replaces ) Tj ET Q q 0 0 0 rg BT 86.17 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.80 682.10 Td (Good ) Tj ET Q q 0 0 0 rg BT 127.44 682.10 Td (Faith ) Tj ET Q q 0 0 0 rg BT 151.41 682.10 Td (Estimate ) Tj ET Q q 0 0 0 rg BT 189.82 682.10 Td (\("GFE"\) ) Tj ET Q q 0 0 0 rg BT 226.95 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.80 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.43 682.10 Td (Early ) Tj ET Q q 0 0 0 rg BT 285.26 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 291.02 682.10 Td (ruth ) Tj ET Q q 0 0 0 rg BT 310.54 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 321.73 682.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 358.47 682.10 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 404.66 682.10 Td (\("TIL"\) ) Tj ET Q q 0 0 0 rg BT 438.44 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.30 682.10 Td (adds ) Tj ET Q q 0 0 0 rg BT 478.04 682.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 521.45 682.10 Td (disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (language ) Tj ET Q q 0 0 0 rg BT 88.64 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 99.51 670.10 Td (required ) Tj ET Q q 0 0 0 rg BT 135.37 670.10 Td (by ) Tj ET Q q 0 0 0 rg BT 147.92 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.68 670.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 213.54 670.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 233.02 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 235.38 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 253.47 670.10 Td (creditor ) Tj ET Q q 0 0 0 rg BT 287.11 670.10 Td (must ) Tj ET Q q 0 0 0 rg BT 309.10 670.10 Td (give ) Tj ET Q q 0 0 0 rg BT 328.86 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.62 670.10 Td (form ) Tj ET Q q 0 0 0 rg BT 365.61 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.93 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.69 670.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 432.11 670.10 Td (no ) Tj ET Q q 0 0 0 rg BT 444.65 670.10 Td (later ) Tj ET Q q 0 0 0 rg BT 464.96 670.10 Td (than ) Tj ET Q q 0 0 0 rg BT 484.72 670.10 Td (three ) Tj ET Q q 0 0 0 rg BT 507.25 670.10 Td (business ) Tj ET Q q 0 0 0 rg BT 543.69 670.10 Td (days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (after ) Tj ET Q q 0 0 0 rg BT 71.02 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.94 658.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 127.52 658.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 158.54 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 172.91 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 180.05 658.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 220.52 658.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 242.93 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.64 658.10 Td (Consistent ) Tj ET Q q 0 0 0 rg BT 290.57 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 311.05 658.10 Td (current ) Tj ET Q q 0 0 0 rg BT 342.07 658.10 Td (law) Tj ET Q q 0 0 0 rg BT 355.85 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 361.06 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.98 658.10 Td (creditor ) Tj ET Q q 0 0 0 rg BT 409.77 658.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 449.68 658.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 479.04 658.10 Td (char) Tj ET Q q 0 0 0 rg BT 496.06 658.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 508.20 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 658.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (any ) Tj ET Q q 0 0 0 rg BT 67.05 646.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 85.75 646.10 Td (until ) Tj ET Q q 0 0 0 rg BT 106.70 646.10 Td (after ) Tj ET Q q 0 0 0 rg BT 127.62 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.45 646.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 183.93 646.10 Td (has ) Tj ET Q q 0 0 0 rg BT 199.87 646.10 Td (been ) Tj ET Q q 0 0 0 rg BT 221.36 646.10 Td (given ) Tj ET Q q 0 0 0 rg BT 246.19 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.01 646.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 284.17 646.10 Td (Estimate ) Tj ET Q q 0 0 0 rg BT 321.77 646.10 Td (form ) Tj ET Q q 0 0 0 rg BT 343.81 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.86 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.69 646.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 417.17 646.10 Td (has ) Tj ET Q q 0 0 0 rg BT 433.11 646.10 Td (communicated ) Tj ET Q q 0 0 0 rg BT 494.59 646.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 519.97 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.36 646.10 Td (proceed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.16 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.75 634.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 133.50 634.10 Td (Creditors ) Tj ET Q q 0 0 0 rg BT 173.10 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 192.69 634.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 225.62 634.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 270.76 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 290.92 634.10 Td (written ) Tj ET Q q 0 0 0 rg BT 321.62 634.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 361.21 634.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 383.03 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 393.18 634.10 Td (application ) Tj ET Q q 0 0 0 rg BT 439.99 634.10 Td (so ) Tj ET Q q 0 0 0 rg BT 451.26 634.10 Td (long ) Tj ET Q q 0 0 0 rg BT 471.42 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 482.12 634.10 Td (there ) Tj ET Q q 0 0 0 rg BT 504.49 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 513.54 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.35 634.10 Td (disclaimer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.21 622.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 92.62 622.10 Td (confusion ) Tj ET Q q 0 0 0 rg BT 134.49 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 154.69 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.34 622.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 192.31 622.10 Td (Estimate ) Tj ET Q q 0 0 0 rg BT 229.73 622.10 Td (form. ) Tj ET Q q 0 0 0 rg BT 253.92 622.10 Td (The ) Tj ET Q q 0 0 0 rg BT 271.90 622.10 Td (second ) Tj ET Q q 0 0 0 rg BT 302.09 622.10 Td (disclosure, ) Tj ET Q q 0 0 0 rg BT 347.57 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.21 622.10 Td (Closing ) Tj ET Q q 0 0 0 rg BT 395.76 622.10 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 440.96 622.10 Td (form, ) Tj ET Q q 0 0 0 rg BT 465.32 622.10 Td (replaces ) Tj ET Q q 0 0 0 rg BT 500.51 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.15 622.10 Td (HUD-1 ) Tj ET Q q 0 0 0 rg BT 547.58 622.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.19 610.10 Td (Final ) Tj ET Q q 0 0 0 rg BT 86.57 610.10 Td (TIL) Tj ET Q q 0 0 0 rg BT 101.75 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 103.72 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.13 610.10 Td (adds ) Tj ET Q q 0 0 0 rg BT 140.43 610.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 182.40 610.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 224.91 610.10 Td (language ) Tj ET Q q 0 0 0 rg BT 262.98 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 273.28 610.10 Td (required ) Tj ET Q q 0 0 0 rg BT 308.57 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 320.54 610.10 Td (Dodd ) Tj ET Q q 0 0 0 rg BT 344.73 610.10 Td (Frank. ) Tj ET Q q 0 0 0 rg BT 372.39 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 389.91 610.10 Td (creditor ) Tj ET Q q 0 0 0 rg BT 422.98 610.10 Td (must ) Tj ET Q q 0 0 0 rg BT 444.40 610.10 Td (give ) Tj ET Q q 0 0 0 rg BT 463.58 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.77 610.10 Td (form ) Tj ET Q q 0 0 0 rg BT 499.18 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.93 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 610.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.82 598.10 Td (least ) Tj ET Q q 0 0 0 rg BT 80.76 598.10 Td (three ) Tj ET Q q 0 0 0 rg BT 103.35 598.10 Td (business ) Tj ET Q q 0 0 0 rg BT 139.85 598.10 Td (days ) Tj ET Q q 0 0 0 rg BT 160.79 598.10 Td (before ) Tj ET Q q 0 0 0 rg BT 188.93 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.75 598.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 245.24 598.10 Td (closes ) Tj ET Q q 0 0 0 rg BT 272.29 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.11 598.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 309.25 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 327.40 598.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 345.55 598.10 Td (became ) Tj ET Q q 0 0 0 rg BT 378.69 598.10 Td (ef) Tj ET Q q 0 0 0 rg BT 386.28 598.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 416.09 598.10 Td (October ) Tj ET Q q 0 0 0 rg BT 450.91 598.10 Td (3, ) Tj ET Q q 0 0 0 rg BT 461.01 598.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 485.93 598.10 Td (W) Tj ET Q q 0 0 0 rg BT 494.97 598.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 523.13 598.10 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.66 586.10 Td (charter ) Tj ET Q q 0 0 0 rg BT 111.91 586.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 137.74 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 152.45 586.10 Td (both ) Tj ET Q q 0 0 0 rg BT 172.72 586.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 211.88 586.10 Td (by ) Tj ET Q q 0 0 0 rg BT 224.38 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.09 586.10 Td (rule, ) Tj ET Q q 0 0 0 rg BT 259.64 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.58 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 297.95 586.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 352.66 586.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 399.03 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.31 586.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 441.80 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 462.08 586.10 Td (this ) Tj ET Q q 0 0 0 rg BT 479.03 586.10 Td (regulation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Expansion ) Tj ET Q q 0 0 0 rg BT 94.72 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.00 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.71 562.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 146.09 562.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 188.03 562.10 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 226.55 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 233.31 562.10 Td (Act) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.21 538.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 95.33 538.10 Td (has ) Tj ET Q q 0 0 0 rg BT 111.32 538.10 Td (published ) Tj ET Q q 0 0 0 rg BT 152.87 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 159.97 538.10 Td (lengthy ) Tj ET Q q 0 0 0 rg BT 192.62 538.10 Td (amendment ) Tj ET Q q 0 0 0 rg BT 241.93 538.10 Td (related ) Tj ET Q q 0 0 0 rg BT 271.79 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.23 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.11 538.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 336.42 538.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 391.29 538.10 Td (under ) Tj ET Q q 0 0 0 rg BT 416.72 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.59 538.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 458.69 538.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 500.23 538.10 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 545.07 538.10 Td (Act. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.88 526.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 94.68 526.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 123.12 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.67 526.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 176.67 526.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 194.55 526.10 Td (aims ) Tj ET Q q 0 0 0 rg BT 215.77 526.10 Td (to: ) Tj ET Q q 0 0 0 rg BT 228.66 526.10 Td (1\) ) Tj ET Q q 0 0 0 rg BT 239.33 526.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 274.99 526.10 Td (market ) Tj ET Q q 0 0 0 rg BT 305.09 526.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 357.14 526.10 Td (data ) Tj ET Q q 0 0 0 rg BT 376.13 526.10 Td (access, ) Tj ET Q q 0 0 0 rg BT 406.50 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.27 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.83 526.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 479.58 526.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 518.57 526.10 Td (process; ) Tj ET Q q 0 0 0 rg BT 553.68 526.10 Td (2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 83.83 514.10 Td (access ) Tj ET Q q 0 0 0 rg BT 111.52 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.46 514.10 Td (credit; ) Tj ET Q q 0 0 0 rg BT 149.17 514.10 Td (3\) ) Tj ET Q q 0 0 0 rg BT 159.66 514.10 Td (standardize ) Tj ET Q q 0 0 0 rg BT 207.35 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.73 514.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 260.54 514.10 Td (threshold; ) Tj ET Q q 0 0 0 rg BT 302.70 514.10 Td (4\) ) Tj ET Q q 0 0 0 rg BT 313.19 514.10 Td (ease ) Tj ET Q q 0 0 0 rg BT 332.56 514.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 371.37 514.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 425.73 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 439.56 514.10 Td (some ) Tj ET Q q 0 0 0 rg BT 462.82 514.10 Td (small ) Tj ET Q q 0 0 0 rg BT 486.65 514.10 Td (banks; ) Tj ET Q q 0 0 0 rg BT 514.92 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 531.52 514.10 Td (5\) ) Tj ET Q q 0 0 0 rg BT 542.01 514.10 Td (align ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 88.37 502.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 142.29 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 161.79 502.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 196.29 502.10 Td (data ) Tj ET Q q 0 0 0 rg BT 214.66 502.10 Td (standards. ) Tj ET Q q 0 0 0 rg BT 256.52 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 273.78 502.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 312.16 502.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 329.43 502.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 363.35 502.10 Td (several ) Tj ET Q q 0 0 0 rg BT 393.39 502.10 Td (new ) Tj ET Q q 0 0 0 rg BT 411.76 502.10 Td (items ) Tj ET Q q 0 0 0 rg BT 435.15 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.19 502.10 Td (data ) Tj ET Q q 0 0 0 rg BT 463.57 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 474.72 502.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 512.53 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.69 502.10 Td (reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.11 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.66 490.10 Td (FFIEC ) Tj ET Q q 0 0 0 rg BT 104.23 490.10 Td (during ) Tj ET Q q 0 0 0 rg BT 132.67 490.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 161.66 490.10 Td (reporting. ) Tj ET Q q 0 0 0 rg BT 202.63 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 209.30 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 211.63 490.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 247.85 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.51 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.06 490.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 317.06 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.73 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.27 490.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 360.15 490.10 Td (become ) Tj ET Q q 0 0 0 rg BT 393.58 490.10 Td (ef) Tj ET Q q 0 0 0 rg BT 401.17 490.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 430.70 490.10 Td (January ) Tj ET Q q 0 0 0 rg BT 464.14 490.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 473.97 490.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 498.63 490.10 Td (W) Tj ET Q q 0 0 0 rg BT 507.27 490.10 Td (e ) Tj ET Q q 0 0 0 rg BT 514.04 490.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 542.47 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.58 490.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 71.39 478.10 Td (compliant ) Tj ET Q q 0 0 0 rg BT 113.88 478.10 Td (at ) Tj ET Q q 0 0 0 rg BT 123.59 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 141.09 478.10 Td (time. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 84.16 457.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 93.78 457.10 Td (eemption) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.22 436.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 117.40 436.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 133.51 436.10 Td (also ) Tj ET Q q 0 0 0 rg BT 151.28 436.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 189.05 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.93 436.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 222.93 436.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 265.15 436.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 294.57 436.10 Td (preemption ) Tj ET Q q 0 0 0 rg BT 341.78 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.78 436.10 Td (state ) Tj ET Q q 0 0 0 rg BT 371.77 436.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 391.77 436.10 Td (as ) Tj ET Q q 0 0 0 rg BT 401.77 436.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 432.87 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.32 436.10 Td (national ) Tj ET Q q 0 0 0 rg BT 476.20 436.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 503.70 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 519.81 436.10 Td (eliminated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 79.32 424.10 Td (preemption ) Tj ET Q q 0 0 0 rg BT 126.43 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 139.66 424.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 188.45 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.35 424.10 Td (national ) Tj ET Q q 0 0 0 rg BT 232.13 424.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 259.53 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 260.98 424.10 Td (These ) Tj ET Q q 0 0 0 rg BT 286.43 424.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 320.20 424.10 Td (may ) Tj ET Q q 0 0 0 rg BT 338.99 424.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 368.88 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.67 424.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 428.82 424.10 Td (national ) Tj ET Q q 0 0 0 rg BT 462.60 424.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 487.50 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.50 424.10 Td (their ) Tj ET Q q 0 0 0 rg BT 523.40 424.10 Td (divisions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.09 412.10 Td (W) Tj ET Q q 0 0 0 rg BT 99.13 412.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 127.19 412.10 Td (Mortgage, ) Tj ET Q q 0 0 0 rg BT 171.06 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 181.34 412.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 223.83 412.10 Td (state ) Tj ET Q q 0 0 0 rg BT 244.66 412.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 287.70 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.64 412.10 Td (enforcement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (Debit ) Tj ET Q q 0 0 0 rg BT 74.72 391.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 93.78 391.10 Td (change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.09 370.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 118.95 370.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 135.93 370.10 Td (added ) Tj ET Q q 0 0 0 rg BT 162.35 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 169.34 370.10 Td (new ) Tj ET Q q 0 0 0 rg BT 188.54 370.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 226.08 370.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 276.93 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 294.47 370.10 Td (interchange ) Tj ET Q q 0 0 0 rg BT 343.65 370.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 362.29 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.50 370.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 418.46 370.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 441.00 370.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 491.30 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 508.84 370.10 Td (are ) Tj ET Q q 0 0 0 rg BT 523.59 370.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 543.35 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 553.67 370.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 358.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 83.27 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 95.07 358.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 131.31 358.10 Td (card ) Tj ET Q q 0 0 0 rg BT 150.32 358.10 Td (issuers ) Tj ET Q q 0 0 0 rg BT 179.35 358.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 222.26 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 237.39 358.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 258.63 358.10 Td (subsidiaries\) ) Tj ET Q q 0 0 0 rg BT 310.98 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 322.23 358.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 366.78 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.03 358.10 Td (proportional ) Tj ET Q q 0 0 0 rg BT 434.27 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.85 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.87 358.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 475.78 358.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 510.90 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 522.71 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.73 358.10 Td (issuer) Tj ET Q q 0 0 0 rg BT 559.50 358.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.50 358.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.01 346.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 118.81 346.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 135.71 346.10 Td (also ) Tj ET Q q 0 0 0 rg BT 154.28 346.10 Td (gave ) Tj ET Q q 0 0 0 rg BT 175.61 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.29 346.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 222.74 346.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 257.41 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.08 346.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 310.65 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.89 346.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 358.34 346.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 380.24 346.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 421.02 346.10 Td (these ) Tj ET Q q 0 0 0 rg BT 444.03 346.10 Td (interchange ) Tj ET Q q 0 0 0 rg BT 493.13 346.10 Td (fees. ) Tj ET Q q 0 0 0 rg BT 514.01 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 532.02 346.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 83.92 334.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 110.63 334.10 Td (final ) Tj ET Q q 0 0 0 rg BT 130.67 334.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 176.81 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 193.52 334.10 Td (were ) Tj ET Q q 0 0 0 rg BT 214.66 334.10 Td (ef) Tj ET Q q 0 0 0 rg BT 222.25 334.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 251.16 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 260.65 334.10 Td (October ) Tj ET Q q 0 0 0 rg BT 294.57 334.10 Td (201) Tj ET Q q 0 0 0 rg BT 309.20 334.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 318.41 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.56 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 351.26 334.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 371.87 334.10 Td (interchange ) Tj ET Q q 0 0 0 rg BT 420.22 334.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 438.03 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 451.40 334.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 492.53 334.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 514.24 334.10 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.19 322.10 Td (21 ) Tj ET Q q 0 0 0 rg BT 74.60 322.10 Td (cents ) Tj ET Q q 0 0 0 rg BT 98.56 322.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 118.64 322.10 Td (.05% ) Tj ET Q q 0 0 0 rg BT 142.88 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.62 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.25 322.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 220.03 322.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 240.11 322.10 Td (an ) Tj ET Q q 0 0 0 rg BT 252.96 322.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 296.36 322.10 Td (one ) Tj ET Q q 0 0 0 rg BT 314.21 322.10 Td (cent ) Tj ET Q q 0 0 0 rg BT 334.27 322.10 Td (per ) Tj ET Q q 0 0 0 rg BT 350.45 322.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 397.74 322.10 Td (fraud ) Tj ET Q q 0 0 0 rg BT 422.25 322.10 Td (adjustment. ) Tj ET Q q 0 0 0 rg BT 471.79 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 490.75 322.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 509.71 322.10 Td (also ) Tj ET Q q 0 0 0 rg BT 529.23 322.10 Td (imposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.79 310.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 145.69 310.10 Td (routing ) Tj ET Q q 0 0 0 rg BT 177.16 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.18 310.10 Td (exclusivity ) Tj ET Q q 0 0 0 rg BT 240.65 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.56 310.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 293.56 310.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 316.14 310.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 368.99 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.02 310.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 425.80 310.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 460.59 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 478.17 310.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 500.75 310.10 Td (cards ) Tj ET Q q 0 0 0 rg BT 524.44 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 536.46 310.10 Td (usable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 298.10 Td (at ) Tj ET Q q 0 0 0 rg BT 70.00 298.10 Td (least ) Tj ET Q q 0 0 0 rg BT 90.82 298.10 Td (two ) Tj ET Q q 0 0 0 rg BT 108.32 298.10 Td (unaf) Tj ET Q q 0 0 0 rg BT 125.91 298.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 156.73 298.10 Td (networks.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (Anti-Money ) Tj ET Q q 0 0 0 rg BT 99.70 277.10 Td (Laundering ) Tj ET Q q 0 0 0 rg BT 148.87 277.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 158.50 277.10 Td (ograms) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.85 256.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 89.27 256.10 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 121.93 256.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 137.67 256.10 Td (\(BSA\) ) Tj ET Q q 0 0 0 rg BT 173.97 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.71 256.10 Td (USA) Tj ET Q q 0 0 0 rg BT 209.16 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 210.47 256.10 Td (P) Tj ET Q q 0 0 0 rg BT 215.11 256.10 Td (A) Tj ET Q q 0 0 0 rg BT 221.23 256.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 250.48 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 251.50 256.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 267.24 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 276.88 256.10 Td (2001 ) Tj ET Q q 0 0 0 rg BT 298.19 256.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 328.92 256.10 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 375.77 256.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 419.84 256.10 Td (\(AML\) ) Tj ET Q q 0 0 0 rg BT 458.90 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.65 256.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 510.93 256.10 Td (transparency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 95.17 244.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 133.11 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.40 244.10 Td (detect, ) Tj ET Q q 0 0 0 rg BT 174.27 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.22 244.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 225.71 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.43 244.10 Td (use ) Tj ET Q q 0 0 0 rg BT 258.26 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.10 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.82 244.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 307.11 244.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 345.59 244.10 Td (system ) Tj ET Q q 0 0 0 rg BT 376.88 244.10 Td (for) Tj ET Q q 0 0 0 rg BT 388.14 244.10 Td (, ) Tj ET Q q 0 0 0 rg BT 394.14 244.10 Td (money ) Tj ET Q q 0 0 0 rg BT 424.86 244.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 471.13 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.08 244.10 Td (terrorist ) Tj ET Q q 0 0 0 rg BT 524.24 244.10 Td (financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 91.99 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.14 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 114.08 232.10 Td (BSA, ) Tj ET Q q 0 0 0 rg BT 139.43 232.10 Td (as ) Tj ET Q q 0 0 0 rg BT 151.16 232.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 190.65 232.10 Td (by ) Tj ET Q q 0 0 0 rg BT 204.04 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.65 232.10 Td (USA) Tj ET Q q 0 0 0 rg BT 239.11 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.50 232.10 Td (P) Tj ET Q q 0 0 0 rg BT 247.15 232.10 Td (A) Tj ET Q q 0 0 0 rg BT 253.26 232.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 282.52 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 285.16 232.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 305.50 232.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 341.10 232.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 386.71 232.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 434.56 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.39 232.10 Td (their ) Tj ET Q q 0 0 0 rg BT 474.11 232.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 508.06 232.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 554.22 232.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (undertake ) Tj ET Q q 0 0 0 rg BT 93.46 220.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 133.60 220.10 Td (including ) Tj ET Q q 0 0 0 rg BT 175.42 220.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 227.23 220.10 Td (an ) Tj ET Q q 0 0 0 rg BT 239.81 220.10 Td (AML) Tj ET Q q 0 0 0 rg BT 261.66 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 265.71 220.10 Td (program, ) Tj ET Q q 0 0 0 rg BT 306.12 220.10 Td (verifying ) Tj ET Q q 0 0 0 rg BT 346.82 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.08 220.10 Td (identity ) Tj ET Q q 0 0 0 rg BT 397.67 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.04 220.10 Td (clients, ) Tj ET Q q 0 0 0 rg BT 442.68 220.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 491.17 220.10 Td (for ) Tj ET Q q 0 0 0 rg BT 506.87 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.35 220.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (suspicious ) Tj ET Q q 0 0 0 rg BT 93.77 208.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 146.13 208.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 184.88 208.10 Td (on ) Tj ET Q q 0 0 0 rg BT 196.98 208.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 216.84 208.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 266.70 208.10 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 309.33 208.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 347.52 208.10 Td (thresholds, ) Tj ET Q q 0 0 0 rg BT 393.23 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.77 208.10 Td (responding ) Tj ET Q q 0 0 0 rg BT 456.30 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 466.18 208.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 501.04 208.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.80 208.10 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.04 196.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 107.17 196.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 152.42 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.90 196.10 Td (law ) Tj ET Q q 0 0 0 rg BT 187.38 196.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 240.38 196.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 280.35 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 283.39 196.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 306.41 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.78 196.10 Td (our ) Tj ET Q q 0 0 0 rg BT 334.15 196.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 378.29 196.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 404.66 196.10 Td (is ) Tj ET Q q 0 0 0 rg BT 414.37 196.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 445.73 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.55 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.81 196.10 Td (BSA) Tj ET Q q 0 0 0 rg BT 490.71 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 493.75 196.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 513.72 196.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 555.35 196.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (required ) Tj ET Q q 0 0 0 rg BT 85.66 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.78 184.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 128.68 184.10 Td (its ) Tj ET Q q 0 0 0 rg BT 140.47 184.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 185.58 184.10 Td (with ) Tj ET Q q 0 0 0 rg BT 205.18 184.10 Td (AML) Tj ET Q q 0 0 0 rg BT 227.04 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.38 184.10 Td (training, ) Tj ET Q q 0 0 0 rg BT 265.33 184.10 Td (designate ) Tj ET Q q 0 0 0 rg BT 305.44 184.10 Td (an ) Tj ET Q q 0 0 0 rg BT 316.70 184.10 Td (AML) Tj ET Q q 0 0 0 rg BT 338.55 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 340.90 184.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 389.33 184.10 Td (of) Tj ET Q q 0 0 0 rg BT 397.48 184.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 418.14 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.93 184.10 Td (under) Tj ET Q q 0 0 0 rg BT 457.52 184.10 Td (go ) Tj ET Q q 0 0 0 rg BT 469.86 184.10 Td (an ) Tj ET Q q 0 0 0 rg BT 481.64 184.10 Td (annual, ) Tj ET Q q 0 0 0 rg BT 513.15 184.10 Td (independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 73.02 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 83.82 172.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 111.28 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.52 172.10 Td (ef) Tj ET Q q 0 0 0 rg BT 134.11 172.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 181.56 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 192.91 172.10 Td (its ) Tj ET Q q 0 0 0 rg BT 204.71 172.10 Td (AML) Tj ET Q q 0 0 0 rg BT 226.56 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.59 172.10 Td (program. ) Tj ET Q q 0 0 0 rg BT 268.77 172.10 Td (W) Tj ET Q q 0 0 0 rg BT 277.41 172.10 Td (e ) Tj ET Q q 0 0 0 rg BT 284.87 172.10 Td (have ) Tj ET Q q 0 0 0 rg BT 306.77 172.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 362.00 172.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 398.62 172.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 445.51 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.97 172.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 496.54 172.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 531.78 172.10 Td (that ) Tj ET Q q 0 0 0 rg BT 549.79 172.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 88.00 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.23 160.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 130.67 160.10 Td (with ) Tj ET Q q 0 0 0 rg BT 150.90 160.10 Td (these ) Tj ET Q q 0 0 0 rg BT 173.36 160.10 Td (AML) Tj ET Q q 0 0 0 rg BT 195.21 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.66 160.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 254.81 160.10 Td (In ) Tj ET Q q 0 0 0 rg BT 265.59 160.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 290.54 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.21 160.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 344.87 160.10 Td (Crimes ) Tj ET Q q 0 0 0 rg BT 376.21 160.10 Td (Enforcement ) Tj ET Q q 0 0 0 rg BT 430.30 160.10 Td (Network ) Tj ET Q q 0 0 0 rg BT 467.74 160.10 Td (\(FinCEN\), ) Tj ET Q q 0 0 0 rg BT 521.56 160.10 Td (which ) Tj ET Q q 0 0 0 rg BT 548.45 160.10 Td (is ) Tj ET Q q 0 0 0 rg BT 557.57 160.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 67.58 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 77.92 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.01 148.10 Td (T) Tj ET Q q 0 0 0 rg BT 97.77 148.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 129.22 148.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 178.44 148.10 Td (that ) Tj ET Q q 0 0 0 rg BT 195.45 148.10 Td (drafts ) Tj ET Q q 0 0 0 rg BT 220.24 148.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 266.69 148.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 324.26 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.50 148.10 Td (USA) Tj ET Q q 0 0 0 rg BT 357.95 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 359.97 148.10 Td (P) Tj ET Q q 0 0 0 rg BT 364.61 148.10 Td (A) Tj ET Q q 0 0 0 rg BT 370.73 148.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 399.98 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 401.56 148.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 418.01 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.47 148.10 Td (other ) Tj ET Q q 0 0 0 rg BT 456.59 148.10 Td (AML) Tj ET Q q 0 0 0 rg BT 478.44 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 480.46 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.92 148.10 Td (BSA) Tj ET Q q 0 0 0 rg BT 515.82 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 517.84 148.10 Td (legislation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 89.73 136.10 Td (a ) Tj ET Q q 0 0 0 rg BT 97.24 136.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 115.85 136.10 Td (that ) Tj ET Q q 0 0 0 rg BT 133.92 136.10 Td (would ) Tj ET Q q 0 0 0 rg BT 161.98 136.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 194.49 136.10 Td (explicit ) Tj ET Q q 0 0 0 rg BT 227.55 136.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 267.27 136.10 Td (due ) Tj ET Q q 0 0 0 rg BT 284.78 136.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 324.50 136.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 379.77 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.28 136.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 429.23 136.10 Td (a ) Tj ET Q q 0 0 0 rg BT 436.74 136.10 Td (new ) Tj ET Q q 0 0 0 rg BT 456.47 136.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 500.63 136.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 552.01 136.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 89.00 124.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 137.48 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.27 124.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 178.29 124.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 221.73 124.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 267.41 124.10 Td (information ) Tj ET Q q 0 0 0 rg BT 318.65 124.10 Td (with ) Tj ET Q q 0 0 0 rg BT 340.44 124.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 372.78 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.58 124.10 Td (all ) Tj ET Q q 0 0 0 rg BT 398.60 124.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 422.05 124.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 448.85 124.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 493.41 124.10 Td (with ) Tj ET Q q 0 0 0 rg BT 515.21 124.10 Td (which ) Tj ET Q q 0 0 0 rg BT 543.67 124.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.58 112.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 130.36 112.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 168.72 112.10 Td (The ) Tj ET Q q 0 0 0 rg BT 186.40 112.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 211.29 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 227.85 112.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 276.07 112.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 330.40 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.85 112.10 Td (such ) Tj ET Q q 0 0 0 rg BT 361.31 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 367.87 112.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 385.54 112.10 Td (have ) Tj ET Q q 0 0 0 rg BT 406.54 112.10 Td (yet ) Tj ET Q q 0 0 0 rg BT 420.89 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.79 112.10 Td (be ) Tj ET Q q 0 0 0 rg BT 442.35 112.10 Td (finalized. ) Tj ET Q q 0 0 0 rg BT 484.46 112.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 507.69 112.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 549.81 112.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (focusing ) Tj ET Q q 0 0 0 rg BT 86.12 100.10 Td (their ) Tj ET Q q 0 0 0 rg BT 106.14 100.10 Td (examinations ) Tj ET Q q 0 0 0 rg BT 161.14 100.10 Td (on ) Tj ET Q q 0 0 0 rg BT 172.83 100.10 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 220.06 100.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 264.51 100.10 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 314.78 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.91 100.10 Td (we ) Tj ET Q q 0 0 0 rg BT 344.25 100.10 Td (will ) Tj ET Q q 0 0 0 rg BT 361.49 100.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 397.61 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.08 100.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 440.43 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.55 100.10 Td (augment, ) Tj ET Q q 0 0 0 rg BT 495.17 100.10 Td (where ) Tj ET Q q 0 0 0 rg BT 521.29 100.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 559.51 100.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.28 88.10 Td (AML) Tj ET Q q 0 0 0 rg BT 87.13 88.10 Td ( ) Tj ET Q q 0 0 0 rg BT 89.63 88.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 138.22 88.10 Td (programs.) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (18) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Office ) Tj ET Q q 0 0 0 rg BT 76.93 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.21 730.10 Td (For) Tj ET Q q 0 0 0 rg BT 101.84 730.10 Td (eign ) Tj ET Q q 0 0 0 rg BT 121.38 730.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 148.88 730.10 Td (Contr) Tj ET Q q 0 0 0 rg BT 171.85 730.10 Td (ol ) Tj ET Q q 0 0 0 rg BT 182.12 730.10 Td (Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.15 706.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.53 706.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 138.33 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.26 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.89 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 169.64 706.10 Td (reasury's ) Tj ET Q q 0 0 0 rg BT 207.36 706.10 Td (Of) Tj ET Q q 0 0 0 rg BT 217.74 706.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 235.32 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.25 706.10 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 279.38 706.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 308.10 706.10 Td (Control, ) Tj ET Q q 0 0 0 rg BT 343.75 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 354.68 706.10 Td ("OF) Tj ET Q q 0 0 0 rg BT 370.80 706.10 Td (AC," ) Tj ET Q q 0 0 0 rg BT 393.88 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.15 706.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 451.29 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 465.55 706.10 Td (administering ) Tj ET Q q 0 0 0 rg BT 523.14 706.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (sanctions ) Tj ET Q q 0 0 0 rg BT 89.62 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 107.02 694.10 Td (af) Tj ET Q q 0 0 0 rg BT 114.61 694.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 132.00 694.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 182.16 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 202.35 694.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 247.51 694.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 278.79 694.10 Td (countries, ) Tj ET Q q 0 0 0 rg BT 320.35 694.10 Td (nationals ) Tj ET Q q 0 0 0 rg BT 358.86 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.70 694.10 Td (others, ) Tj ET Q q 0 0 0 rg BT 405.05 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 415.78 694.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 448.17 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 460.57 694.10 Td (various ) Tj ET Q q 0 0 0 rg BT 492.41 694.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 534.80 694.10 Td (Orders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.63 682.10 Td (Acts ) Tj ET Q q 0 0 0 rg BT 90.06 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.48 682.10 Td (Congress. ) Tj ET Q q 0 0 0 rg BT 148.80 682.10 Td (OF) Tj ET Q q 0 0 0 rg BT 160.84 682.10 Td (AC-administered ) Tj ET Q q 0 0 0 rg BT 233.81 682.10 Td (sanctions ) Tj ET Q q 0 0 0 rg BT 275.12 682.10 Td (take ) Tj ET Q q 0 0 0 rg BT 295.87 682.10 Td (many ) Tj ET Q q 0 0 0 rg BT 322.18 682.10 Td (dif) Tj ET Q q 0 0 0 rg BT 333.11 682.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 360.52 682.10 Td (forms. ) Tj ET Q q 0 0 0 rg BT 392.95 682.10 Td (For ) Tj ET Q q 0 0 0 rg BT 410.94 682.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 451.40 682.10 Td (sanctions ) Tj ET Q q 0 0 0 rg BT 492.72 682.10 Td (may ) Tj ET Q q 0 0 0 rg BT 514.03 682.10 Td (include: ) Tj ET Q q 0 0 0 rg BT 550.34 682.10 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 96.64 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 108.85 670.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 131.04 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 151.02 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 161.56 670.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 207.65 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 217.63 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 224.27 670.10 Td (sanctioned ) Tj ET Q q 0 0 0 rg BT 269.24 670.10 Td (country) Tj ET Q q 0 0 0 rg BT 299.14 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 303.85 670.10 Td (including ) Tj ET Q q 0 0 0 rg BT 343.83 670.10 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 394.37 670.10 Td (against ) Tj ET Q q 0 0 0 rg BT 424.90 670.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 449.87 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 460.41 670.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 493.15 670.10 Td (imports ) Tj ET Q q 0 0 0 rg BT 525.92 670.10 Td (from ) Tj ET Q q 0 0 0 rg BT 547.56 670.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (exports ) Tj ET Q q 0 0 0 rg BT 81.21 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.77 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 96.98 658.10 Td (sanctioned ) Tj ET Q q 0 0 0 rg BT 141.52 658.10 Td (country ) Tj ET Q q 0 0 0 rg BT 173.84 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.05 658.10 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 240.16 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 251.94 658.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 271.50 658.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 303.82 658.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 342.25 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 351.81 658.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 388.56 658.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 438.10 658.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 470.42 658.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 482.47 658.10 Td (making ) Tj ET Q q 0 0 0 rg BT 514.24 658.10 Td (investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (in, ) Tj ET Q q 0 0 0 rg BT 61.55 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 71.16 646.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 111.32 646.10 Td (investment-related ) Tj ET Q q 0 0 0 rg BT 187.01 646.10 Td (advice ) Tj ET Q q 0 0 0 rg BT 214.38 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 223.98 646.10 Td (assistance ) Tj ET Q q 0 0 0 rg BT 265.24 646.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 276.79 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 282.50 646.10 Td (sanctioned ) Tj ET Q q 0 0 0 rg BT 326.54 646.10 Td (country; ) Tj ET Q q 0 0 0 rg BT 361.14 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.86 646.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 389.79 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 395.50 646.10 Td (blocking ) Tj ET Q q 0 0 0 rg BT 431.77 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.38 646.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 465.98 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 475.03 646.10 Td (which ) Tj ET Q q 0 0 0 rg BT 500.75 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.24 646.10 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.67 634.10 Td ("specially ) Tj ET Q q 0 0 0 rg BT 102.63 634.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 147.72 634.10 Td (nationals" ) Tj ET Q q 0 0 0 rg BT 190.25 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.91 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.46 634.10 Td (sanctioned ) Tj ET Q q 0 0 0 rg BT 260.56 634.10 Td (country ) Tj ET Q q 0 0 0 rg BT 293.44 634.10 Td (have ) Tj ET Q q 0 0 0 rg BT 314.66 634.10 Td (an ) Tj ET Q q 0 0 0 rg BT 326.43 634.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 360.70 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 373.04 634.10 Td (prohibiting ) Tj ET Q q 0 0 0 rg BT 419.81 634.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 456.58 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.24 634.10 Td (property ) Tj ET Q q 0 0 0 rg BT 503.46 634.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 534.12 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 544.23 634.10 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (jurisdiction ) Tj ET Q q 0 0 0 rg BT 97.52 622.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 140.60 622.10 Td (property ) Tj ET Q q 0 0 0 rg BT 176.45 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.20 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.39 622.10 Td (possession ) Tj ET Q q 0 0 0 rg BT 245.15 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 255.45 622.10 Td (control ) Tj ET Q q 0 0 0 rg BT 285.75 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.05 622.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 315.81 622.10 Td (persons\). ) Tj ET Q q 0 0 0 rg BT 356.66 622.10 Td (OF) Tj ET Q q 0 0 0 rg BT 368.70 622.10 Td (AC ) Tj ET Q q 0 0 0 rg BT 384.57 622.10 Td (also ) Tj ET Q q 0 0 0 rg BT 402.65 622.10 Td (publishes ) Tj ET Q q 0 0 0 rg BT 442.40 622.10 Td (lists ) Tj ET Q q 0 0 0 rg BT 460.49 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.79 622.10 Td (persons, ) Tj ET Q q 0 0 0 rg BT 505.82 622.10 Td (or) Tj ET Q q 0 0 0 rg BT 513.96 622.10 Td (ganizations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.85 610.10 Td (countries ) Tj ET Q q 0 0 0 rg BT 105.92 610.10 Td (suspected ) Tj ET Q q 0 0 0 rg BT 147.21 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.96 610.10 Td (aiding, ) Tj ET Q q 0 0 0 rg BT 187.86 610.10 Td (harboring ) Tj ET Q q 0 0 0 rg BT 229.15 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 239.90 610.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 278.97 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 289.16 610.10 Td (terrorist ) Tj ET Q q 0 0 0 rg BT 323.23 610.10 Td (acts, ) Tj ET Q q 0 0 0 rg BT 343.69 610.10 Td (known ) Tj ET Q q 0 0 0 rg BT 373.32 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 384.07 610.10 Td (Specially ) Tj ET Q q 0 0 0 rg BT 423.69 610.10 Td (Designated ) Tj ET Q q 0 0 0 rg BT 471.09 610.10 Td (Nationals ) Tj ET Q q 0 0 0 rg BT 511.83 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.68 610.10 Td (Blocked ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Persons. ) Tj ET Q q 0 0 0 rg BT 86.63 598.10 Td (Blocked ) Tj ET Q q 0 0 0 rg BT 122.97 598.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 149.32 598.10 Td (\() Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 152.65 598.10 Td (e.g.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.09 598.10 Td (, ) Tj ET Q q 0 0 0 rg BT 172.61 598.10 Td (property ) Tj ET Q q 0 0 0 rg BT 209.50 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.96 598.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 249.41 598.10 Td (deposits\) ) Tj ET Q q 0 0 0 rg BT 288.54 598.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 318.21 598.10 Td (be ) Tj ET Q q 0 0 0 rg BT 330.67 598.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 350.90 598.10 Td (out, ) Tj ET Q q 0 0 0 rg BT 369.20 598.10 Td (withdrawn, ) Tj ET Q q 0 0 0 rg BT 417.49 598.10 Td (set ) Tj ET Q q 0 0 0 rg BT 431.61 598.10 Td (of) Tj ET Q q 0 0 0 rg BT 439.76 598.10 Td (f ) Tj ET Q q 0 0 0 rg BT 446.11 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 457.46 598.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 503.78 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.58 598.10 Td (any ) Tj ET Q q 0 0 0 rg BT 532.03 598.10 Td (manner ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (without ) Tj ET Q q 0 0 0 rg BT 83.06 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 90.00 586.10 Td (license ) Tj ET Q q 0 0 0 rg BT 120.26 586.10 Td (from ) Tj ET Q q 0 0 0 rg BT 142.20 586.10 Td (OF) Tj ET Q q 0 0 0 rg BT 154.24 586.10 Td (AC. ) Tj ET Q q 0 0 0 rg BT 175.63 586.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 206.46 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 216.73 586.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 249.23 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 269.51 586.10 Td (these ) Tj ET Q q 0 0 0 rg BT 292.55 586.10 Td (sanctions ) Tj ET Q q 0 0 0 rg BT 332.27 586.10 Td (could ) Tj ET Q q 0 0 0 rg BT 356.99 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 378.36 586.10 Td (serious ) Tj ET Q q 0 0 0 rg BT 409.19 586.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 431.13 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.07 586.10 Td (reputational ) Tj ET Q q 0 0 0 rg BT 498.33 586.10 Td (consequences.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 565.10 Td (otection ) Tj ET Q q 0 0 0 rg BT 94.34 565.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.62 565.10 Td (Client ) Tj ET Q q 0 0 0 rg BT 131.56 565.10 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (Legal ) Tj ET Q q 0 0 0 rg BT 75.39 544.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 130.23 544.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 177.28 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.13 544.10 Td (use ) Tj ET Q q 0 0 0 rg BT 208.09 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.16 544.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 268.33 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.29 544.10 Td (client ) Tj ET Q q 0 0 0 rg BT 304.14 544.10 Td (information ) Tj ET Q q 0 0 0 rg BT 353.98 544.10 Td (af) Tj ET Q q 0 0 0 rg BT 361.57 544.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 379.18 544.10 Td (many ) Tj ET Q q 0 0 0 rg BT 404.03 544.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 435.54 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.50 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.35 544.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 508.56 544.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 547.58 544.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (are ) Tj ET Q q 0 0 0 rg BT 65.19 532.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 110.95 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.72 532.10 Td (evolve. ) Tj ET Q q 0 0 0 rg BT 153.86 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.84 532.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 190.38 532.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 212.80 532.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 267.98 532.10 Td (include ) Tj ET Q q 0 0 0 rg BT 300.40 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.61 532.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 348.58 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.00 532.10 Td (information ) Tj ET Q q 0 0 0 rg BT 416.20 532.10 Td (safeguarding ) Tj ET Q q 0 0 0 rg BT 470.83 532.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 515.49 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.80 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.00 532.10 Td (GLB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 69.65 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.57 520.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 103.39 520.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 131.09 520.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 173.19 520.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 190.34 520.10 Td (\(FCRA\) ) Tj ET Q q 0 0 0 rg BT 234.71 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.85 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.78 520.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 320.03 520.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 354.39 520.10 Td (by ) Tj ET Q q 0 0 0 rg BT 367.10 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.02 520.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 400.84 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.39 520.10 Td (Accurate ) Tj ET Q q 0 0 0 rg BT 456.18 520.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 483.68 520.10 Td (T) Tj ET Q q 0 0 0 rg BT 489.44 520.10 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 536.54 520.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 553.68 520.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (2003 ) Tj ET Q q 0 0 0 rg BT 72.92 508.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 91.38 508.10 Td (F) Tj ET Q q 0 0 0 rg BT 100.63 508.10 Td (ACT) Tj ET Q q 0 0 0 rg BT 120.45 508.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.73 508.10 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 150.35 508.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.59 508.10 Td (well ) Tj ET Q q 0 0 0 rg BT 181.72 508.10 Td (as ) Tj ET Q q 0 0 0 rg BT 192.97 508.10 Td (state ) Tj ET Q q 0 0 0 rg BT 214.21 508.10 Td (law ) Tj ET Q q 0 0 0 rg BT 231.56 508.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 289.18 508.10 Td ( ) Tj ET Q q 0 0 0 rg BT 291.89 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 310.35 508.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 332.62 508.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 349.97 508.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 385.09 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 392.45 508.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 430.34 508.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 473.82 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 484.51 508.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 519.65 508.10 Td (its ) Tj ET Q q 0 0 0 rg BT 532.01 508.10 Td (privacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 78.51 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.81 496.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 120.53 496.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 167.09 496.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.05 496.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 220.78 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.51 496.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 275.01 496.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 319.09 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.39 496.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 356.12 496.10 Td (those ) Tj ET Q q 0 0 0 rg BT 380.75 496.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 424.81 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.11 496.10 Td (opt-out ) Tj ET Q q 0 0 0 rg BT 468.51 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.36 496.10 Td (some ) Tj ET Q q 0 0 0 rg BT 504.99 496.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 537.94 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 496.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (customers' ) Tj ET Q q 0 0 0 rg BT 94.67 484.10 Td (nonpublic ) Tj ET Q q 0 0 0 rg BT 137.00 484.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 173.20 484.10 Td (information ) Tj ET Q q 0 0 0 rg BT 222.74 484.10 Td (with ) Tj ET Q q 0 0 0 rg BT 242.84 484.10 Td (nonaf) Tj ET Q q 0 0 0 rg BT 265.43 484.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 296.07 484.10 Td (third ) Tj ET Q q 0 0 0 rg BT 317.29 484.10 Td (persons. ) Tj ET Q q 0 0 0 rg BT 352.66 484.10 Td ( ) Tj ET Q q 0 0 0 rg BT 354.99 484.10 Td (In ) Tj ET Q q 0 0 0 rg BT 365.64 484.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 412.93 484.10 Td (with ) Tj ET Q q 0 0 0 rg BT 433.04 484.10 Td (these ) Tj ET Q q 0 0 0 rg BT 455.91 484.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 512.94 484.10 Td (we ) Tj ET Q q 0 0 0 rg BT 526.92 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.69 484.10 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.31 472.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.63 472.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 100.94 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.36 472.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 157.10 472.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 206.30 472.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 238.83 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 245.25 472.10 Td (written ) Tj ET Q q 0 0 0 rg BT 275.56 472.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 307.53 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.29 472.10 Td (each ) Tj ET Q q 0 0 0 rg BT 337.59 472.10 Td (af) Tj ET Q q 0 0 0 rg BT 345.18 472.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 371.58 472.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 410.22 472.10 Td (when ) Tj ET Q q 0 0 0 rg BT 433.86 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.06 472.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 486.70 472.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 535.89 472.10 Td (begins ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.91 460.10 Td (an ) Tj ET Q q 0 0 0 rg BT 78.82 460.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 107.94 460.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 132.92 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.84 460.10 Td (As ) Tj ET Q q 0 0 0 rg BT 148.42 460.10 Td (described ) Tj ET Q q 0 0 0 rg BT 189.21 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.46 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.15 460.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 246.60 460.10 Td (notice, ) Tj ET Q q 0 0 0 rg BT 276.01 460.10 Td (we ) Tj ET Q q 0 0 0 rg BT 290.14 460.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 320.37 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.06 460.10 Td (security ) Tj ET Q q 0 0 0 rg BT 369.19 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.99 460.10 Td (information ) Tj ET Q q 0 0 0 rg BT 429.67 460.10 Td (about ) Tj ET Q q 0 0 0 rg BT 454.36 460.10 Td (our ) Tj ET Q q 0 0 0 rg BT 470.16 460.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 515.68 460.10 Td (educate ) Tj ET Q q 0 0 0 rg BT 548.68 460.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 96.37 448.10 Td (about ) Tj ET Q q 0 0 0 rg BT 122.20 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.02 448.10 Td (importance ) Tj ET Q q 0 0 0 rg BT 186.61 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.55 448.10 Td (protecting ) Tj ET Q q 0 0 0 rg BT 242.70 448.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 282.96 448.10 Td (privacy) Tj ET Q q 0 0 0 rg BT 312.30 448.10 Td (, ) Tj ET Q q 0 0 0 rg BT 318.41 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.46 448.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 362.28 448.10 Td (af) Tj ET Q q 0 0 0 rg BT 369.87 448.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 397.90 448.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 442.06 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.44 448.10 Td (opt ) Tj ET Q q 0 0 0 rg BT 469.83 448.10 Td (out ) Tj ET Q q 0 0 0 rg BT 486.22 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.15 448.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 528.96 448.10 Td (types ) Tj ET Q q 0 0 0 rg BT 553.68 448.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (information ) Tj ET Q q 0 0 0 rg BT 100.16 436.10 Td (sharing. ) Tj ET Q q 0 0 0 rg BT 134.83 436.10 Td (W) Tj ET Q q 0 0 0 rg BT 143.47 436.10 Td (e ) Tj ET Q q 0 0 0 rg BT 150.86 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.24 436.10 Td (our ) Tj ET Q q 0 0 0 rg BT 184.52 436.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 234.69 436.10 Td (also ) Tj ET Q q 0 0 0 rg BT 253.74 436.10 Td (require ) Tj ET Q q 0 0 0 rg BT 285.01 436.10 Td (business ) Tj ET Q q 0 0 0 rg BT 321.85 436.10 Td (partners ) Tj ET Q q 0 0 0 rg BT 357.00 436.10 Td (with ) Tj ET Q q 0 0 0 rg BT 377.73 436.10 Td (which ) Tj ET Q q 0 0 0 rg BT 405.12 436.10 Td (we ) Tj ET Q q 0 0 0 rg BT 419.73 436.10 Td (share ) Tj ET Q q 0 0 0 rg BT 443.77 436.10 Td (information ) Tj ET Q q 0 0 0 rg BT 493.93 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.66 436.10 Td (have ) Tj ET Q q 0 0 0 rg BT 526.48 436.10 Td (adequate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (security ) Tj ET Q q 0 0 0 rg BT 83.54 424.10 Td (safeguards ) Tj ET Q q 0 0 0 rg BT 128.18 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.50 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 154.16 424.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 182.15 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.25 424.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 250.33 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.55 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.65 424.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 296.11 424.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 314.93 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 316.68 424.10 Td (The ) Tj ET Q q 0 0 0 rg BT 334.11 424.10 Td (GLB ) Tj ET Q q 0 0 0 rg BT 355.58 424.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 374.40 424.10 Td (as ) Tj ET Q q 0 0 0 rg BT 384.61 424.10 Td (interpreted ) Tj ET Q q 0 0 0 rg BT 429.80 424.10 Td (by ) Tj ET Q q 0 0 0 rg BT 441.68 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.78 424.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 485.42 424.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 519.52 424.10 Td (regulators, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.20 412.10 Td (state ) Tj ET Q q 0 0 0 rg BT 86.28 412.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 106.36 412.10 Td (require ) Tj ET Q q 0 0 0 rg BT 136.44 412.10 Td (us ) Tj ET Q q 0 0 0 rg BT 147.08 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.62 412.10 Td (take ) Tj ET Q q 0 0 0 rg BT 175.03 412.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 203.99 412.10 Td (actions, ) Tj ET Q q 0 0 0 rg BT 236.57 412.10 Td (including ) Tj ET Q q 0 0 0 rg BT 276.10 412.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 310.64 412.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 336.83 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.36 412.10 Td (af) Tj ET Q q 0 0 0 rg BT 353.95 412.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 380.13 412.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 424.94 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.47 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.45 412.10 Td (event ) Tj ET Q q 0 0 0 rg BT 471.86 412.10 Td (that ) Tj ET Q q 0 0 0 rg BT 488.61 412.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 525.36 412.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (information ) Tj ET Q q 0 0 0 rg BT 99.94 400.10 Td (is ) Tj ET Q q 0 0 0 rg BT 109.34 400.10 Td (comprised. ) Tj ET Q q 0 0 0 rg BT 156.22 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 158.75 400.10 Td (W) Tj ET Q q 0 0 0 rg BT 167.39 400.10 Td (e ) Tj ET Q q 0 0 0 rg BT 174.55 400.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 202.83 400.10 Td (each ) Tj ET Q q 0 0 0 rg BT 223.87 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.92 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.87 400.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 275.93 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.09 400.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 333.58 400.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 383.53 400.10 Td (may ) Tj ET Q q 0 0 0 rg BT 403.47 400.10 Td (need ) Tj ET Q q 0 0 0 rg BT 425.07 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 435.58 400.10 Td (amend ) Tj ET Q q 0 0 0 rg BT 464.96 400.10 Td (our ) Tj ET Q q 0 0 0 rg BT 481.02 400.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 513.73 400.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 547.56 400.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (adapt ) Tj ET Q q 0 0 0 rg BT 73.77 388.10 Td (our ) Tj ET Q q 0 0 0 rg BT 89.22 388.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 121.88 388.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 167.86 388.10 Td (in ) Tj ET Q q 0 0 0 rg BT 177.76 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.09 388.10 Td (event ) Tj ET Q q 0 0 0 rg BT 215.86 388.10 Td (that ) Tj ET Q q 0 0 0 rg BT 232.97 388.10 Td (these ) Tj ET Q q 0 0 0 rg BT 255.64 388.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 277.19 388.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 334.01 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 344.45 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.79 388.10 Td (regulators' ) Tj ET Q q 0 0 0 rg BT 402.69 388.10 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 458.67 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 469.12 388.10 Td (them, ) Tj ET Q q 0 0 0 rg BT 493.73 388.10 Td (change, ) Tj ET Q q 0 0 0 rg BT 526.67 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 537.11 388.10 Td (if ) Tj ET Q q 0 0 0 rg BT 545.34 388.10 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.70 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 119.41 376.10 Td (added.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (Like ) Tj ET Q q 0 0 0 rg BT 71.04 355.10 Td (other ) Tj ET Q q 0 0 0 rg BT 94.30 355.10 Td (lenders, ) Tj ET Q q 0 0 0 rg BT 128.39 355.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.32 355.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 169.37 355.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.52 355.10 Td (several ) Tj ET Q q 0 0 0 rg BT 217.55 355.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.59 355.10 Td (our ) Tj ET Q q 0 0 0 rg BT 244.63 355.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 285.11 355.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 335.04 355.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 362.75 355.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 388.22 355.10 Td (bureau ) Tj ET Q q 0 0 0 rg BT 418.15 355.10 Td (data ) Tj ET Q q 0 0 0 rg BT 437.51 355.10 Td (in ) Tj ET Q q 0 0 0 rg BT 448.01 355.10 Td (their ) Tj ET Q q 0 0 0 rg BT 469.05 355.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 523.42 355.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 564.51 355.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (Use ) Tj ET Q q 0 0 0 rg BT 67.77 343.10 Td (of ) Tj ET Q q 0 0 0 rg BT 78.32 343.10 Td (such ) Tj ET Q q 0 0 0 rg BT 98.87 343.10 Td (data ) Tj ET Q q 0 0 0 rg BT 117.74 343.10 Td (is ) Tj ET Q q 0 0 0 rg BT 126.63 343.10 Td (regulated ) Tj ET Q q 0 0 0 rg BT 166.05 343.10 Td (under ) Tj ET Q q 0 0 0 rg BT 191.04 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.47 343.10 Td (FCRA, ) Tj ET Q q 0 0 0 rg BT 236.31 343.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.97 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.40 343.10 Td (FCRA) Tj ET Q q 0 0 0 rg BT 292.98 343.10 Td ( ) Tj ET Q q 0 0 0 rg BT 295.19 343.10 Td (also ) Tj ET Q q 0 0 0 rg BT 313.52 343.10 Td (regulates ) Tj ET Q q 0 0 0 rg BT 351.83 343.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 390.71 343.10 Td (information ) Tj ET Q q 0 0 0 rg BT 440.14 343.10 Td (to ) Tj ET Q q 0 0 0 rg BT 450.13 343.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 475.11 343.10 Td (bureaus, ) Tj ET Q q 0 0 0 rg BT 510.93 343.10 Td (prescreening ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 97.30 331.10 Td (for ) Tj ET Q q 0 0 0 rg BT 111.81 331.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 137.43 331.10 Td (of) Tj ET Q q 0 0 0 rg BT 145.58 331.10 Td (fers, ) Tj ET Q q 0 0 0 rg BT 165.93 331.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 198.22 331.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.41 331.10 Td (information ) Tj ET Q q 0 0 0 rg BT 259.48 331.10 Td (between ) Tj ET Q q 0 0 0 rg BT 295.65 331.10 Td (af) Tj ET Q q 0 0 0 rg BT 303.23 331.10 Td (filiates, ) Tj ET Q q 0 0 0 rg BT 335.80 331.10 Td (and ) Tj ET Q q 0 0 0 rg BT 353.10 331.10 Td (using ) Tj ET Q q 0 0 0 rg BT 377.62 331.10 Td (af) Tj ET Q q 0 0 0 rg BT 385.21 331.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 411.38 331.10 Td (data ) Tj ET Q q 0 0 0 rg BT 430.90 331.10 Td (for ) Tj ET Q q 0 0 0 rg BT 445.41 331.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 488.81 331.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 529.72 331.10 Td ( ) Tj ET Q q 0 0 0 rg BT 532.57 331.10 Td (Similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (state ) Tj ET Q q 0 0 0 rg BT 70.83 319.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 91.66 319.10 Td (may ) Tj ET Q q 0 0 0 rg BT 111.37 319.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 142.76 319.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 185.25 319.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 239.95 319.10 Td (on ) Tj ET Q q 0 0 0 rg BT 252.45 319.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 266.34 319.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.06 319.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 306.89 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.83 319.10 Td (our ) Tj ET Q q 0 0 0 rg BT 339.66 319.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 379.92 319.10 Td (subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (V) Tj ET Q q 0 0 0 rg BT 56.62 298.10 Td (iolation ) Tj ET Q q 0 0 0 rg BT 89.47 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.10 298.10 Td (these ) Tj ET Q q 0 0 0 rg BT 122.95 298.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 144.68 298.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 199.18 298.10 Td (may ) Tj ET Q q 0 0 0 rg BT 218.70 298.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 248.76 298.10 Td (us ) Tj ET Q q 0 0 0 rg BT 259.95 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.03 298.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 313.42 298.10 Td (action ) Tj ET Q q 0 0 0 rg BT 340.16 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.89 298.10 Td (private ) Tj ET Q q 0 0 0 rg BT 386.96 298.10 Td (litigation, ) Tj ET Q q 0 0 0 rg BT 427.86 298.10 Td (including ) Tj ET Q q 0 0 0 rg BT 467.93 298.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 496.34 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 510.30 298.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 547.58 298.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (penalties. ) Tj ET Q q 0 0 0 rg BT 90.54 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.04 286.10 Td (In ) Tj ET Q q 0 0 0 rg BT 103.87 286.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 141.65 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 148.58 286.10 Td (security ) Tj ET Q q 0 0 0 rg BT 182.74 286.10 Td (incident ) Tj ET Q q 0 0 0 rg BT 217.45 286.10 Td (can ) Tj ET Q q 0 0 0 rg BT 233.83 286.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 258.54 286.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 303.81 286.10 Td (reputational ) Tj ET Q q 0 0 0 rg BT 354.07 286.10 Td (harm.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (Br) Tj ET Q q 0 0 0 rg BT 59.63 265.10 Td (oker) Tj ET Q q 0 0 0 rg BT 77.20 265.10 Td (-Dealer ) Tj ET Q q 0 0 0 rg BT 110.80 265.10 Td (and ) Tj ET Q q 0 0 0 rg BT 128.30 265.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 173.93 265.10 Td (Adviser ) Tj ET Q q 0 0 0 rg BT 206.98 265.10 Td (Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 72.43 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.30 244.10 Td (Great ) Tj ET Q q 0 0 0 rg BT 113.95 244.10 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 139.73 244.10 Td (Advisors ) Tj ET Q q 0 0 0 rg BT 178.28 244.10 Td (are ) Tj ET Q q 0 0 0 rg BT 192.92 244.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 223.69 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.90 244.10 Td (extensive ) Tj ET Q q 0 0 0 rg BT 274.10 244.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 317.08 244.10 Td (under ) Tj ET Q q 0 0 0 rg BT 342.29 244.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 372.48 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.36 244.10 Td (state ) Tj ET Q q 0 0 0 rg BT 410.12 244.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 450.32 244.10 Td (laws. ) Tj ET Q q 0 0 0 rg BT 473.42 244.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 495.84 244.10 Td (is ) Tj ET Q q 0 0 0 rg BT 504.95 244.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 546.81 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 557.58 244.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (broker) Tj ET Q q 0 0 0 rg BT 75.90 232.10 Td (-dealer ) Tj ET Q q 0 0 0 rg BT 106.06 232.10 Td (with ) Tj ET Q q 0 0 0 rg BT 126.24 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.86 232.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 161.61 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.45 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 188.63 232.10 Td (all ) Tj ET Q q 0 0 0 rg BT 201.03 232.10 Td (50 ) Tj ET Q q 0 0 0 rg BT 213.44 232.10 Td (states, ) Tj ET Q q 0 0 0 rg BT 240.56 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.18 232.10 Td (District ) Tj ET Q q 0 0 0 rg BT 287.58 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.32 232.10 Td (Columbia ) Tj ET Q q 0 0 0 rg BT 340.16 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.01 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.63 232.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 391.64 232.10 Td (V) Tj ET Q q 0 0 0 rg BT 398.26 232.10 Td (ir) Tj ET Q q 0 0 0 rg BT 404.19 232.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 419.37 232.10 Td (Islands. ) Tj ET Q q 0 0 0 rg BT 452.61 232.10 Td (Both ) Tj ET Q q 0 0 0 rg BT 474.29 232.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 496.68 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.53 232.10 Td (Great ) Tj ET Q q 0 0 0 rg BT 538.14 232.10 Td (Lakes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (Advisors ) Tj ET Q q 0 0 0 rg BT 87.89 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 101.87 220.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 143.06 220.10 Td (as ) Tj ET Q q 0 0 0 rg BT 153.16 220.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 198.82 220.10 Td (advisers ) Tj ET Q q 0 0 0 rg BT 233.36 220.10 Td (with ) Tj ET Q q 0 0 0 rg BT 252.91 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.90 220.10 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 289.51 220.10 Td (In ) Tj ET Q q 0 0 0 rg BT 299.61 220.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 336.53 220.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 358.29 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 366.74 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 372.95 220.10 Td (member ) Tj ET Q q 0 0 0 rg BT 407.48 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.59 220.10 Td (several ) Tj ET Q q 0 0 0 rg BT 447.67 220.10 Td (self-regulatory ) Tj ET Q q 0 0 0 rg BT 508.31 220.10 Td (or) Tj ET Q q 0 0 0 rg BT 516.46 220.10 Td (ganizations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (\(SROs\), ) Tj ET Q q 0 0 0 rg BT 93.68 208.10 Td (including ) Tj ET Q q 0 0 0 rg BT 133.75 208.10 Td (FINRA) Tj ET Q q 0 0 0 rg BT 163.20 208.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.49 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.23 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.74 208.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 232.36 208.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 257.43 208.10 Td (Exchange. ) Tj ET Q q 0 0 0 rg BT 301.14 208.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 341.05 208.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 363.34 208.10 Td (is ) Tj ET Q q 0 0 0 rg BT 372.30 208.10 Td (required ) Tj ET Q q 0 0 0 rg BT 407.91 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.98 208.10 Td (be ) Tj ET Q q 0 0 0 rg BT 429.72 208.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 471.44 208.10 Td (with ) Tj ET Q q 0 0 0 rg BT 491.51 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.02 208.10 Td (SEC, ) Tj ET Q q 0 0 0 rg BT 529.16 208.10 Td (much ) Tj ET Q q 0 0 0 rg BT 553.67 208.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (its ) Tj ET Q q 0 0 0 rg BT 62.87 196.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 106.83 196.10 Td (has ) Tj ET Q q 0 0 0 rg BT 123.58 196.10 Td (been ) Tj ET Q q 0 0 0 rg BT 145.88 196.10 Td (delegated ) Tj ET Q q 0 0 0 rg BT 187.61 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.81 196.10 Td (SROs ) Tj ET Q q 0 0 0 rg BT 225.57 196.10 Td (that ) Tj ET Q q 0 0 0 rg BT 243.99 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.63 196.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 281.39 196.10 Td (oversees, ) Tj ET Q q 0 0 0 rg BT 321.74 196.10 Td (including ) Tj ET Q q 0 0 0 rg BT 362.93 196.10 Td (FINRA) Tj ET Q q 0 0 0 rg BT 392.38 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 395.80 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.66 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.30 196.10 Td (national ) Tj ET Q q 0 0 0 rg BT 464.93 196.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 506.12 196.10 Td (exchanges. ) Tj ET Q q 0 0 0 rg BT 553.68 196.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 85.45 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.91 184.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 116.93 184.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 139.04 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.16 184.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 205.77 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.67 184.10 Td (SROs ) Tj ET Q q 0 0 0 rg BT 246.69 184.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 271.58 184.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 296.20 184.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 327.20 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 337.66 184.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 375.32 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.33 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.23 184.10 Td (SEC, ) Tj ET Q q 0 0 0 rg BT 424.75 184.10 Td (that ) Tj ET Q q 0 0 0 rg BT 442.42 184.10 Td (govern ) Tj ET Q q 0 0 0 rg BT 472.87 184.10 Td (all ) Tj ET Q q 0 0 0 rg BT 485.54 184.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 517.09 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.10 184.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.84 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.13 172.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 113.96 172.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 148.80 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 165.30 172.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 199.02 172.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 233.85 172.10 Td (examinations ) Tj ET Q q 0 0 0 rg BT 289.24 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.63 172.10 Td (member ) Tj ET Q q 0 0 0 rg BT 334.46 172.10 Td (firms. ) Tj ET Q q 0 0 0 rg BT 359.99 172.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 382.04 172.10 Td (is ) Tj ET Q q 0 0 0 rg BT 390.78 172.10 Td (also ) Tj ET Q q 0 0 0 rg BT 408.95 172.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 439.34 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 449.19 172.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 491.79 172.10 Td (by ) Tj ET Q q 0 0 0 rg BT 503.86 172.10 Td (state ) Tj ET Q q 0 0 0 rg BT 524.25 172.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 103.93 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 113.40 160.10 Td (states ) Tj ET Q q 0 0 0 rg BT 137.32 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.80 160.10 Td (which ) Tj ET Q q 0 0 0 rg BT 172.93 160.10 Td (it ) Tj ET Q q 0 0 0 rg BT 180.19 160.10 Td (conducts ) Tj ET Q q 0 0 0 rg BT 217.44 160.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 255.40 160.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 277.09 160.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.23 160.10 Td (Great ) Tj ET Q q 0 0 0 rg BT 317.14 160.10 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 342.34 160.10 Td (Advisors ) Tj ET Q q 0 0 0 rg BT 380.15 160.10 Td (are ) Tj ET Q q 0 0 0 rg BT 394.06 160.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 435.18 160.10 Td (only ) Tj ET Q q 0 0 0 rg BT 454.66 160.10 Td (with ) Tj ET Q q 0 0 0 rg BT 474.14 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.05 160.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 508.09 160.10 Td (as ) Tj ET Q q 0 0 0 rg BT 518.12 160.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (advisers, ) Tj ET Q q 0 0 0 rg BT 87.77 148.10 Td (but ) Tj ET Q q 0 0 0 rg BT 103.05 148.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 132.75 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 143.58 148.10 Td (their ) Tj ET Q q 0 0 0 rg BT 164.40 148.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 201.34 148.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 242.72 148.10 Td (are ) Tj ET Q q 0 0 0 rg BT 257.43 148.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 288.25 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.53 148.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 341.57 148.10 Td (by ) Tj ET Q q 0 0 0 rg BT 354.07 148.10 Td (state ) Tj ET Q q 0 0 0 rg BT 374.90 148.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 415.16 148.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 458.75 148.10 Td (agencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (As ) Tj ET Q q 0 0 0 rg BT 64.18 127.10 Td (a ) Tj ET Q q 0 0 0 rg BT 71.68 127.10 Td (result ) Tj ET Q q 0 0 0 rg BT 96.96 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.35 127.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 139.17 127.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.67 127.10 Td (state ) Tj ET Q q 0 0 0 rg BT 178.06 127.10 Td (registrations ) Tj ET Q q 0 0 0 rg BT 230.55 127.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.06 127.10 Td (SRO ) Tj ET Q q 0 0 0 rg BT 270.57 127.10 Td (memberships, ) Tj ET Q q 0 0 0 rg BT 329.24 127.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 352.29 127.10 Td (is ) Tj ET Q q 0 0 0 rg BT 362.02 127.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 393.41 127.10 Td (to ) Tj ET Q q 0 0 0 rg BT 404.25 127.10 Td (overlapping ) Tj ET Q q 0 0 0 rg BT 455.08 127.10 Td (schemes ) Tj ET Q q 0 0 0 rg BT 492.02 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.41 127.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 547.02 127.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 74.79 115.10 Td (all ) Tj ET Q q 0 0 0 rg BT 87.38 115.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 118.84 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.76 115.10 Td (its ) Tj ET Q q 0 0 0 rg BT 141.79 115.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 182.14 115.10 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 229.45 115.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 252.04 115.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 299.06 115.10 Td (cover) Tj ET Q q 0 0 0 rg BT 320.87 115.10 Td (, ) Tj ET Q q 0 0 0 rg BT 325.95 115.10 Td (among ) Tj ET Q q 0 0 0 rg BT 355.76 115.10 Td (other ) Tj ET Q q 0 0 0 rg BT 378.89 115.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 408.42 115.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 428.23 115.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.26 115.10 Td (safekeeping ) Tj ET Q q 0 0 0 rg BT 495.60 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.52 115.10 Td (clients' ) Tj ET Q q 0 0 0 rg BT 537.01 115.10 Td (funds; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (record-keeping ) Tj ET Q q 0 0 0 rg BT 114.89 103.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.69 103.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 174.70 103.10 Td (requirements; ) Tj ET Q q 0 0 0 rg BT 234.05 103.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 285.07 103.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.87 103.10 Td (or) Tj ET Q q 0 0 0 rg BT 312.02 103.10 Td (ganizational ) Tj ET Q q 0 0 0 rg BT 365.25 103.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 413.48 103.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 452.28 103.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.42 103.10 Td (assure ) Tj ET Q q 0 0 0 rg BT 493.77 103.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 544.22 103.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 92.91 91.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 116.38 91.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.96 91.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.88 91.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 184.01 91.10 Td (improper ) Tj ET Q q 0 0 0 rg BT 225.81 91.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 259.28 91.10 Td (on ) Tj ET Q q 0 0 0 rg BT 274.42 91.10 Td (material ) Tj ET Q q 0 0 0 rg BT 312.33 91.10 Td (nonpublic ) Tj ET Q q 0 0 0 rg BT 357.47 91.10 Td (information; ) Tj ET Q q 0 0 0 rg BT 412.60 91.10 Td (personnel-related ) Tj ET Q q 0 0 0 rg BT 487.15 91.10 Td (matters, ) Tj ET Q q 0 0 0 rg BT 524.23 91.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (qualification ) Tj ET Q q 0 0 0 rg BT 101.82 79.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.54 79.10 Td (licensing ) Tj ET Q q 0 0 0 rg BT 154.92 79.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.53 79.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 212.47 79.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.19 79.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 248.91 79.10 Td (personnel; ) Tj ET Q q 0 0 0 rg BT 291.85 79.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 335.91 79.10 Td (on ) Tj ET Q q 0 0 0 rg BT 347.19 79.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 390.69 79.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.30 79.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 424.34 79.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.40 79.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 472.44 79.10 Td (transactions; ) Tj ET Q q 0 0 0 rg BT 524.27 79.10 Td (clearance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.88 67.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 110.42 67.10 Td (procedures; ) Tj ET Q q 0 0 0 rg BT 159.50 67.10 Td (suitability ) Tj ET Q q 0 0 0 rg BT 210.82 67.10 Td (determinations ) Tj ET Q q 0 0 0 rg BT 272.68 67.10 Td (as ) Tj ET Q q 0 0 0 rg BT 283.45 67.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.67 67.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 323.31 67.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 362.40 67.10 Td (transactions; ) Tj ET Q q 0 0 0 rg BT 415.39 67.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 460.60 67.10 Td (on ) Tj ET Q q 0 0 0 rg BT 473.04 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.70 67.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 524.02 67.10 Td (and ) Tj ET Q q 0 0 0 rg BT 540.90 67.10 Td (types ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.94 55.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 77.64 55.10 Td (and ) Tj ET Q q 0 0 0 rg BT 93.69 55.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 147.52 55.10 Td (that ) Tj ET Q q 0 0 0 rg BT 164.12 55.10 Td (may ) Tj ET Q q 0 0 0 rg BT 182.94 55.10 Td (be ) Tj ET Q q 0 0 0 rg BT 193.99 55.10 Td (char) Tj ET Q q 0 0 0 rg BT 211.02 55.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 227.06 55.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.45 55.10 Td (customers; ) Tj ET Q q 0 0 0 rg BT 281.38 55.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.42 55.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 339.57 55.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.51 55.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 395.54 55.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 425.47 55.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 463.17 55.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.22 55.10 Td (af) Tj ET Q q 0 0 0 rg BT 486.81 55.10 Td (filiate ) Tj ET Q q 0 0 0 rg BT 511.73 55.10 Td (transactions. ) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (19) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (V) Tj ET Q q 0 0 0 rg BT 56.62 742.10 Td (iolations ) Tj ET Q q 0 0 0 rg BT 93.32 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.91 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.38 742.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 138.97 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.67 742.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 202.36 742.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 245.16 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 251.86 742.10 Td (broker) Tj ET Q q 0 0 0 rg BT 277.76 742.10 Td (-dealer's ) Tj ET Q q 0 0 0 rg BT 313.46 742.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 344.04 742.10 Td (can ) Tj ET Q q 0 0 0 rg BT 360.18 742.10 Td (result ) Tj ET Q q 0 0 0 rg BT 384.65 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.69 742.10 Td (censures, ) Tj ET Q q 0 0 0 rg BT 433.87 742.10 Td (fines, ) Tj ET Q q 0 0 0 rg BT 458.07 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.54 742.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 508.68 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.26 742.10 Td (cease-and-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (desist ) Tj ET Q q 0 0 0 rg BT 75.56 730.10 Td (orders, ) Tj ET Q q 0 0 0 rg BT 105.84 730.10 Td (revocation ) Tj ET Q q 0 0 0 rg BT 150.82 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.94 730.10 Td (licenses ) Tj ET Q q 0 0 0 rg BT 196.38 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.49 730.10 Td (registrations, ) Tj ET Q q 0 0 0 rg BT 262.21 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.21 730.10 Td (suspension ) Tj ET Q q 0 0 0 rg BT 323.89 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 335.00 730.10 Td (expulsion ) Tj ET Q q 0 0 0 rg BT 376.68 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 398.90 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.90 730.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 454.45 730.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 490.01 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.13 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 508.35 730.10 Td (broker) Tj ET Q q 0 0 0 rg BT 534.25 730.10 Td (-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 718.10 Td (its ) Tj ET Q q 0 0 0 rg BT 72.78 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 80.93 718.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 105.63 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 116.46 718.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 164.23 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 175.06 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 198.11 718.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 228.38 718.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 259.20 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 271.70 718.10 Td (both ) Tj ET Q q 0 0 0 rg BT 291.98 718.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 322.24 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.17 718.10 Td (state ) Tj ET Q q 0 0 0 rg BT 360.00 718.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 400.26 718.10 Td (administrators, ) Tj ET Q q 0 0 0 rg BT 462.48 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 473.31 718.10 Td (well ) Tj ET Q q 0 0 0 rg BT 493.02 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 503.85 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.57 718.10 Td (SROs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.66 697.10 Td (a ) Tj ET Q q 0 0 0 rg BT 70.65 697.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 112.63 697.10 Td (broker) Tj ET Q q 0 0 0 rg BT 138.52 697.10 Td (-dealer) Tj ET Q q 0 0 0 rg BT 165.88 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 170.74 697.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 193.28 697.10 Td (is ) Tj ET Q q 0 0 0 rg BT 202.50 697.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 233.38 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.71 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.48 697.10 Td (SEC's ) Tj ET Q q 0 0 0 rg BT 285.06 697.10 Td (net ) Tj ET Q q 0 0 0 rg BT 299.83 697.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 329.03 697.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 347.12 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 358.00 697.10 Td (well ) Tj ET Q q 0 0 0 rg BT 377.77 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 388.65 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.42 697.10 Td (net ) Tj ET Q q 0 0 0 rg BT 418.19 697.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 447.39 697.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 502.14 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.02 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.79 697.10 Td (SROs ) Tj ET Q q 0 0 0 rg BT 553.68 697.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.89 685.10 Td (it ) Tj ET Q q 0 0 0 rg BT 84.90 685.10 Td (is ) Tj ET Q q 0 0 0 rg BT 94.02 685.10 Td (a ) Tj ET Q q 0 0 0 rg BT 100.91 685.10 Td (member) Tj ET Q q 0 0 0 rg BT 133.12 685.10 Td (. ) Tj ET Q q 0 0 0 rg BT 138.07 685.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 154.96 685.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 184.06 685.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 208.45 685.10 Td (which ) Tj ET Q q 0 0 0 rg BT 235.34 685.10 Td (specify ) Tj ET Q q 0 0 0 rg BT 266.67 685.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 308.01 685.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 337.11 685.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 394.27 685.10 Td (are ) Tj ET Q q 0 0 0 rg BT 408.93 685.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 448.58 685.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 486.58 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.81 685.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 532.57 685.10 Td (general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.56 673.10 Td (integrity ) Tj ET Q q 0 0 0 rg BT 124.01 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.03 673.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 177.50 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.51 673.10 Td (require ) Tj ET Q q 0 0 0 rg BT 225.40 673.10 Td (that ) Tj ET Q q 0 0 0 rg BT 242.97 673.10 Td (at ) Tj ET Q q 0 0 0 rg BT 252.76 673.10 Td (least ) Tj ET Q q 0 0 0 rg BT 273.66 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.68 673.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 322.15 673.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 354.72 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.62 673.10 Td (net ) Tj ET Q q 0 0 0 rg BT 380.42 673.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 406.32 673.10 Td (be ) Tj ET Q q 0 0 0 rg BT 418.33 673.10 Td (kept ) Tj ET Q q 0 0 0 rg BT 438.13 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 448.48 673.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 488.82 673.10 Td (liquid ) Tj ET Q q 0 0 0 rg BT 514.73 673.10 Td (form. ) Tj ET Q q 0 0 0 rg BT 539.24 673.10 Td (Rules ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.57 661.10 Td (FINRA) Tj ET Q q 0 0 0 rg BT 90.02 661.10 Td ( ) Tj ET Q q 0 0 0 rg BT 92.25 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.93 661.10 Td (other ) Tj ET Q q 0 0 0 rg BT 131.71 661.10 Td (SROs ) Tj ET Q q 0 0 0 rg BT 157.29 661.10 Td (also ) Tj ET Q q 0 0 0 rg BT 175.63 661.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 206.76 661.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 251.77 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 268.44 661.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 322.88 661.10 Td (on ) Tj ET Q q 0 0 0 rg BT 335.12 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.57 661.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 382.34 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.91 661.10 Td (member ) Tj ET Q q 0 0 0 rg BT 427.91 661.10 Td (or) Tj ET Q q 0 0 0 rg BT 436.05 661.10 Td (ganizations' ) Tj ET Q q 0 0 0 rg BT 485.63 661.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 513.70 661.10 Td (Compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.49 649.10 Td (net ) Tj ET Q q 0 0 0 rg BT 83.42 649.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 111.78 649.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 165.69 649.10 Td (may ) Tj ET Q q 0 0 0 rg BT 184.62 649.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 205.22 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.15 649.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 265.44 649.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 308.81 649.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 347.18 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.11 649.10 Td (intensive ) Tj ET Q q 0 0 0 rg BT 398.92 649.10 Td (use ) Tj ET Q q 0 0 0 rg BT 413.96 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.00 649.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 454.74 649.10 Td (These ) Tj ET Q q 0 0 0 rg BT 480.33 649.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 534.24 649.10 Td (restrict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.51 637.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 111.39 637.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 139.23 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.31 637.10 Td (withdraw ) Tj ET Q q 0 0 0 rg BT 189.37 637.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 218.32 637.10 Td (from ) Tj ET Q q 0 0 0 rg BT 239.88 637.10 Td (WHI, ) Tj ET Q q 0 0 0 rg BT 264.67 637.10 Td (which ) Tj ET Q q 0 0 0 rg BT 291.40 637.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.47 637.10 Td (turn ) Tj ET Q q 0 0 0 rg BT 319.88 637.10 Td (may ) Tj ET Q q 0 0 0 rg BT 339.39 637.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 360.58 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.09 637.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 421.96 637.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 449.81 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.88 637.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 476.62 637.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 520.30 637.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 544.80 637.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.24 625.10 Td (redeem ) Tj ET Q q 0 0 0 rg BT 93.57 625.10 Td (or ) Tj ET Q q 0 0 0 rg BT 104.81 625.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 143.26 625.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 171.16 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.40 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.52 625.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 245.01 625.10 Td (own ) Tj ET Q q 0 0 0 rg BT 265.14 625.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 314.72 625.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 341.02 625.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 363.92 625.10 Td (is ) Tj ET Q q 0 0 0 rg BT 373.50 625.10 Td (a ) Tj ET Q q 0 0 0 rg BT 380.85 625.10 Td (member ) Tj ET Q q 0 0 0 rg BT 416.52 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.76 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.89 625.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 485.23 625.10 Td (Investor ) Tj ET Q q 0 0 0 rg BT 520.91 625.10 Td (Protection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 100.84 613.10 Td (\(SIPC\), ) Tj ET Q q 0 0 0 rg BT 142.51 613.10 Td (which ) Tj ET Q q 0 0 0 rg BT 169.46 613.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 200.29 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.58 613.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 240.30 613.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 288.09 613.10 Td (serves ) Tj ET Q q 0 0 0 rg BT 315.59 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.88 613.10 Td (oversee ) Tj ET Q q 0 0 0 rg BT 358.93 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.65 613.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 419.50 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.34 613.10 Td (a ) Tj ET Q q 0 0 0 rg BT 437.29 613.10 Td (member ) Tj ET Q q 0 0 0 rg BT 472.56 613.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 515.05 613.10 Td (firm, ) Tj ET Q q 0 0 0 rg BT 537.28 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 554.23 613.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (return ) Tj ET Q q 0 0 0 rg BT 76.14 601.10 Td (missing ) Tj ET Q q 0 0 0 rg BT 109.53 601.10 Td (cash, ) Tj ET Q q 0 0 0 rg BT 132.06 601.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 155.44 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.15 601.10 Td (other ) Tj ET Q q 0 0 0 rg BT 194.96 601.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 234.99 601.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 258.92 601.10 Td (to ) Tj ET Q q 0 0 0 rg BT 268.96 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.45 601.10 Td (firm's ) Tj ET Q q 0 0 0 rg BT 308.62 601.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 350.87 601.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 396.18 601.10 Td (in ) Tj ET Q q 0 0 0 rg BT 406.23 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.71 601.10 Td (event ) Tj ET Q q 0 0 0 rg BT 444.63 601.10 Td (a ) Tj ET Q q 0 0 0 rg BT 451.34 601.10 Td (member ) Tj ET Q q 0 0 0 rg BT 486.37 601.10 Td (broker) Tj ET Q q 0 0 0 rg BT 512.27 601.10 Td (-dealer ) Tj ET Q q 0 0 0 rg BT 542.29 601.10 Td (fails. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.58 589.10 Td (general ) Tj ET Q q 0 0 0 rg BT 99.04 589.10 Td (SIPC ) Tj ET Q q 0 0 0 rg BT 122.19 589.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 164.77 589.10 Td (for ) Tj ET Q q 0 0 0 rg BT 178.46 589.10 Td (customers' ) Tj ET Q q 0 0 0 rg BT 222.84 589.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 262.64 589.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 299.66 589.10 Td (held ) Tj ET Q q 0 0 0 rg BT 318.90 589.10 Td (by ) Tj ET Q q 0 0 0 rg BT 330.94 589.10 Td (a ) Tj ET Q q 0 0 0 rg BT 337.41 589.10 Td (member ) Tj ET Q q 0 0 0 rg BT 372.21 589.10 Td (broker) Tj ET Q q 0 0 0 rg BT 398.10 589.10 Td (-dealer ) Tj ET Q q 0 0 0 rg BT 427.89 589.10 Td (is ) Tj ET Q q 0 0 0 rg BT 436.59 589.10 Td (up ) Tj ET Q q 0 0 0 rg BT 448.63 589.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.44 589.10 Td ($500,000 ) Tj ET Q q 0 0 0 rg BT 497.97 589.10 Td (for ) Tj ET Q q 0 0 0 rg BT 511.66 589.10 Td (each ) Tj ET Q q 0 0 0 rg BT 532.01 589.10 Td (eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (customer) Tj ET Q q 0 0 0 rg BT 86.25 577.10 Td (, ) Tj ET Q q 0 0 0 rg BT 92.12 577.10 Td (including ) Tj ET Q q 0 0 0 rg BT 133.27 577.10 Td (a ) Tj ET Q q 0 0 0 rg BT 141.07 577.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 185.00 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.69 577.10 Td ($250,000 ) Tj ET Q q 0 0 0 rg BT 237.56 577.10 Td (for ) Tj ET Q q 0 0 0 rg BT 252.59 577.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 273.73 577.10 Td (claims. ) Tj ET Q q 0 0 0 rg BT 305.70 577.10 Td (SIPC ) Tj ET Q q 0 0 0 rg BT 330.20 577.10 Td (does ) Tj ET Q q 0 0 0 rg BT 351.89 577.10 Td (not ) Tj ET Q q 0 0 0 rg BT 368.04 577.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 399.17 577.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 442.52 577.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 486.44 577.10 Td (against ) Tj ET Q q 0 0 0 rg BT 518.13 577.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 73.49 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 84.77 544.10 Td (its ) Tj ET Q q 0 0 0 rg BT 97.71 544.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 134.52 544.10 Td (as ) Tj ET Q q 0 0 0 rg BT 146.35 544.10 Td (an ) Tj ET Q q 0 0 0 rg BT 159.29 544.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 206.67 544.10 Td (adviser ) Tj ET Q q 0 0 0 rg BT 239.04 544.10 Td (is ) Tj ET Q q 0 0 0 rg BT 249.21 544.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 281.04 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.31 544.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 340.24 544.10 Td (covering ) Tj ET Q q 0 0 0 rg BT 378.73 544.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 411.66 544.10 Td (such ) Tj ET Q q 0 0 0 rg BT 433.49 544.10 Td (as ) Tj ET Q q 0 0 0 rg BT 445.32 544.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 496.58 544.10 Td (between ) Tj ET Q q 0 0 0 rg BT 533.39 544.10 Td (clients, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 100.17 532.10 Td (between ) Tj ET Q q 0 0 0 rg BT 135.89 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.51 532.10 Td (adviser ) Tj ET Q q 0 0 0 rg BT 181.79 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.63 532.10 Td (clients, ) Tj ET Q q 0 0 0 rg BT 229.64 532.10 Td (custody ) Tj ET Q q 0 0 0 rg BT 263.15 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.88 532.10 Td (client ) Tj ET Q q 0 0 0 rg BT 298.50 532.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 324.23 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.08 532.10 Td (management ) Tj ET Q q 0 0 0 rg BT 394.57 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.30 532.10 Td (mutual ) Tj ET Q q 0 0 0 rg BT 435.48 532.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 460.10 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.95 532.10 Td (other ) Tj ET Q q 0 0 0 rg BT 499.90 532.10 Td (client ) Tj ET Q q 0 0 0 rg BT 524.51 532.10 Td (accounts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.46 520.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 106.91 520.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 141.48 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.73 520.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 196.18 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.53 520.10 Td (discipline ) Tj ET Q q 0 0 0 rg BT 255.32 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.56 520.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 313.36 520.10 Td (firms ) Tj ET Q q 0 0 0 rg BT 337.38 520.10 Td (is ) Tj ET Q q 0 0 0 rg BT 346.96 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.09 520.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 405.54 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.78 520.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 462.74 520.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 491.76 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.11 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.24 520.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 83.92 508.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 109.50 508.10 Td (than ) Tj ET Q q 0 0 0 rg BT 128.98 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.46 508.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 186.26 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.86 508.10 Td (creditors ) Tj ET Q q 0 0 0 rg BT 234.10 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.81 508.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 303.61 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.20 508.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 360.34 508.10 Td (firms. ) Tj ET Q q 0 0 0 rg BT 386.22 508.10 Td (Sanctions ) Tj ET Q q 0 0 0 rg BT 427.37 508.10 Td (that ) Tj ET Q q 0 0 0 rg BT 444.62 508.10 Td (may ) Tj ET Q q 0 0 0 rg BT 464.10 508.10 Td (be ) Tj ET Q q 0 0 0 rg BT 475.81 508.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 511.96 508.10 Td (for ) Tj ET Q q 0 0 0 rg BT 525.88 508.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 554.24 508.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 82.12 496.10 Td (with ) Tj ET Q q 0 0 0 rg BT 102.03 496.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 122.49 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 132.95 496.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 179.51 496.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 222.18 496.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 268.19 496.10 Td (advisers ) Tj ET Q q 0 0 0 rg BT 303.09 496.10 Td (include ) Tj ET Q q 0 0 0 rg BT 334.65 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.99 496.10 Td (suspension ) Tj ET Q q 0 0 0 rg BT 395.01 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.47 496.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 448.15 496.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 495.54 496.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 540.45 496.10 Td (on ) Tj ET Q q 0 0 0 rg BT 552.58 496.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (adviser's ) Tj ET Q q 0 0 0 rg BT 88.07 484.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 128.22 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 139.49 484.10 Td (various ) Tj ET Q q 0 0 0 rg BT 172.42 484.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 195.36 484.10 Td (management ) Tj ET Q q 0 0 0 rg BT 249.94 484.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 289.53 484.10 Td (for ) Tj ET Q q 0 0 0 rg BT 304.69 484.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 344.28 484.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 377.21 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.04 484.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 412.81 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.52 484.10 Td (revocation ) Tj ET Q q 0 0 0 rg BT 474.21 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.04 484.10 Td (registrations, ) Tj ET Q q 0 0 0 rg BT 541.47 484.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (censures ) Tj ET Q q 0 0 0 rg BT 86.93 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.87 472.10 Td (fines.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (Employees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.83 430.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 119.73 430.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.73 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 144.06 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.10 430.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 198.81 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.08 430.10 Td (its ) Tj ET Q q 0 0 0 rg BT 226.35 430.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 275.39 430.10 Td (employed ) Tj ET Q q 0 0 0 rg BT 316.65 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 322.92 430.10 Td (total ) Tj ET Q q 0 0 0 rg BT 342.51 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 352.67 430.10 Td (3,770 ) Tj ET Q q 0 0 0 rg BT 376.99 430.10 Td (full-time-equivalent ) Tj ET Q q 0 0 0 rg BT 458.79 430.10 Td (employees. ) Tj ET Q q 0 0 0 rg BT 505.75 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 523.12 430.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 86.76 418.10 Td (its ) Tj ET Q q 0 0 0 rg BT 98.52 418.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 143.60 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 163.70 418.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 226.55 418.10 Td (medical ) Tj ET Q q 0 0 0 rg BT 260.51 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.27 418.10 Td (dental ) Tj ET Q q 0 0 0 rg BT 304.02 418.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 334.10 418.10 Td (plans, ) Tj ET Q q 0 0 0 rg BT 360.02 418.10 Td (life ) Tj ET Q q 0 0 0 rg BT 375.67 418.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 416.30 418.10 Td (plans, ) Tj ET Q q 0 0 0 rg BT 442.22 418.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 471.20 418.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 494.63 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.38 418.10 Td (an ) Tj ET Q q 0 0 0 rg BT 523.14 418.10 Td (employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 73.61 406.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 111.65 406.10 Td (plan. ) Tj ET Q q 0 0 0 rg BT 133.68 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 151.73 406.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 193.12 406.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 233.38 406.10 Td (its ) Tj ET Q q 0 0 0 rg BT 245.33 406.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 295.04 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 315.32 406.10 Td (its ) Tj ET Q q 0 0 0 rg BT 327.27 406.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 372.53 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.81 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 394.75 406.10 Td (good.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (A) Tj ET Q q 0 0 0 rg BT 55.93 385.10 Td (vailable Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.85 364.10 Td (Company) Tj ET Q q 0 0 0 rg BT 108.51 364.10 Td (s ) Tj ET Q q 0 0 0 rg BT 113.71 364.10 Td (Internet ) Tj ET Q q 0 0 0 rg BT 146.10 364.10 Td (address ) Tj ET Q q 0 0 0 rg BT 177.39 364.10 Td (is ) Tj ET Q q 0 0 0 rg BT 185.36 364.10 Td (www) Tj ET Q q 0 0 0 rg BT 206.38 364.10 Td (.wintrust.com. ) Tj ET Q q 0 0 0 rg BT 265.08 364.10 Td (The ) Tj ET Q q 0 0 0 rg BT 281.93 364.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 322.12 364.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 348.97 364.10 Td (available ) Tj ET Q q 0 0 0 rg BT 386.36 364.10 Td (at ) Tj ET Q q 0 0 0 rg BT 394.87 364.10 Td (this ) Tj ET Q q 0 0 0 rg BT 410.62 364.10 Td (address, ) Tj ET Q q 0 0 0 rg BT 444.42 364.10 Td (under ) Tj ET Q q 0 0 0 rg BT 468.48 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.00 364.10 Td ("Investor ) Tj ET Q q 0 0 0 rg BT 520.15 364.10 Td (Relations" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (tab, ) Tj ET Q q 0 0 0 rg BT 67.07 352.10 Td (free ) Tj ET Q q 0 0 0 rg BT 84.95 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.63 352.10 Td (char) Tj ET Q q 0 0 0 rg BT 112.66 352.10 Td (ge, ) Tj ET Q q 0 0 0 rg BT 126.95 352.10 Td (its ) Tj ET Q q 0 0 0 rg BT 138.23 352.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 170.02 352.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 199.58 352.10 Td (on ) Tj ET Q q 0 0 0 rg BT 211.93 352.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 235.95 352.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 261.36 352.10 Td (its ) Tj ET Q q 0 0 0 rg BT 273.15 352.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 302.16 352.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 332.28 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.41 352.10 Td (shareholders, ) Tj ET Q q 0 0 0 rg BT 397.79 352.10 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 438.46 352.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 471.92 352.10 Td (on ) Tj ET Q q 0 0 0 rg BT 484.27 352.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 508.29 352.10 Td (10-Q, ) Tj ET Q q 0 0 0 rg BT 533.69 352.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 81.20 340.10 Td (on ) Tj ET Q q 0 0 0 rg BT 94.63 340.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.73 340.10 Td (8-K ) Tj ET Q q 0 0 0 rg BT 138.71 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.58 340.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 210.55 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.76 340.10 Td (those ) Tj ET Q q 0 0 0 rg BT 246.30 340.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 277.50 340.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 299.25 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 311.01 340.10 Td (furnished ) Tj ET Q q 0 0 0 rg BT 352.21 340.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 390.08 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.29 340.10 Td (Section13\(a\) ) Tj ET Q q 0 0 0 rg BT 458.31 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 470.07 340.10 Td (15\(d\) ) Tj ET Q q 0 0 0 rg BT 495.16 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.92 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.57 340.10 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 91.47 328.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 108.54 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.49 328.10 Td (1934 ) Tj ET Q q 0 0 0 rg BT 142.12 328.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 160.29 328.10 Td ("Exchange ) Tj ET Q q 0 0 0 rg BT 205.85 328.10 Td (Act"\) ) Tj ET Q q 0 0 0 rg BT 230.33 328.10 Td (as ) Tj ET Q q 0 0 0 rg BT 241.28 328.10 Td (soon ) Tj ET Q q 0 0 0 rg BT 262.80 328.10 Td (as ) Tj ET Q q 0 0 0 rg BT 273.76 328.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 319.70 328.10 Td (practicable ) Tj ET Q q 0 0 0 rg BT 366.18 328.10 Td (after ) Tj ET Q q 0 0 0 rg BT 387.13 328.10 Td (such ) Tj ET Q q 0 0 0 rg BT 408.08 328.10 Td (material ) Tj ET Q q 0 0 0 rg BT 443.47 328.10 Td (is ) Tj ET Q q 0 0 0 rg BT 452.77 328.10 Td (electronically ) Tj ET Q q 0 0 0 rg BT 509.81 328.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 530.76 328.10 Td (with, ) Tj ET Q q 0 0 0 rg BT 553.67 328.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (furnished ) Tj ET Q q 0 0 0 rg BT 90.27 316.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 103.05 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.76 316.10 Td (SEC.) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (20) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Supplemental ) Tj ET Q q 0 0 0 rg BT 106.93 742.10 Td (Statistical ) Tj ET Q q 0 0 0 rg BT 149.43 742.10 Td (Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.68 721.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.71 721.10 Td (statistical ) Tj ET Q q 0 0 0 rg BT 151.61 721.10 Td (information ) Tj ET Q q 0 0 0 rg BT 201.96 721.10 Td (is ) Tj ET Q q 0 0 0 rg BT 211.77 721.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 250.45 721.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.37 721.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 309.47 721.10 Td (with ) Tj ET Q q 0 0 0 rg BT 330.38 721.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.74 721.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 401.08 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 412.32 721.10 Td (The ) Tj ET Q q 0 0 0 rg BT 431.00 721.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 472.88 721.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 490.46 721.10 Td (Industry ) Tj ET Q q 0 0 0 rg BT 526.92 721.10 Td (Guide ) Tj ET Q q 0 0 0 rg BT 554.50 721.10 Td (3, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Statistical ) Tj ET Q q 0 0 0 rg BT 91.57 709.10 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 136.48 709.10 Td (by ) Tj ET Q q 0 0 0 rg BT 148.61 709.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 171.86 709.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 206.77 709.10 Td (Companies, ) Tj ET Q q 0 0 0 rg BT 256.40 709.10 Td (which ) Tj ET Q q 0 0 0 rg BT 282.97 709.10 Td (is ) Tj ET Q q 0 0 0 rg BT 291.78 709.10 Td (part ) Tj ET Q q 0 0 0 rg BT 309.46 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 319.93 709.10 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 365.94 709.10 Td (S-K ) Tj ET Q q 0 0 0 rg BT 384.19 709.10 Td (as ) Tj ET Q q 0 0 0 rg BT 394.66 709.10 Td (promulgated ) Tj ET Q q 0 0 0 rg BT 447.33 709.10 Td (by ) Tj ET Q q 0 0 0 rg BT 459.47 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.82 709.10 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 496.64 709.10 Td (This ) Tj ET Q q 0 0 0 rg BT 516.56 709.10 Td (data ) Tj ET Q q 0 0 0 rg BT 535.35 709.10 Td (should ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.97 697.10 Td (read ) Tj ET Q q 0 0 0 rg BT 81.70 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 92.01 697.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 141.75 697.10 Td (with ) Tj ET Q q 0 0 0 rg BT 162.06 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.81 697.10 Td (Company) Tj ET Q q 0 0 0 rg BT 218.47 697.10 Td (s ) Tj ET Q q 0 0 0 rg BT 224.89 697.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 280.20 697.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 319.94 697.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 366.35 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.32 697.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 406.95 697.10 Td (thereto, ) Tj ET Q q 0 0 0 rg BT 439.75 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.71 697.10 Td (Management) Tj ET Q q 0 0 0 rg BT 511.69 697.10 Td (s ) Tj ET Q q 0 0 0 rg BT 518.12 697.10 Td (Discussion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.39 685.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 103.89 685.10 Td (which ) Tj ET Q q 0 0 0 rg BT 130.83 685.10 Td (are ) Tj ET Q q 0 0 0 rg BT 145.53 685.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 186.90 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.18 685.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 218.01 685.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 225.51 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.34 685.10 Td (this ) Tj ET Q q 0 0 0 rg BT 252.73 685.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 284.67 685.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 314.39 685.10 Td (on ) Tj ET Q q 0 0 0 rg BT 326.89 685.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 351.06 685.10 Td (10-K.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 659.10 Td (Investment Securities Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 638.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.14 638.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.62 638.10 Td (table ) Tj ET Q q 0 0 0 rg BT 131.65 638.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 167.01 638.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.82 638.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 224.39 638.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 243.09 638.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.12 638.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 276.59 638.10 Td (value ) Tj ET Q q 0 0 0 rg BT 300.84 638.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.76 638.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.57 638.10 Td (Company) Tj ET Q q 0 0 0 rg BT 368.24 638.10 Td (s ) Tj ET Q q 0 0 0 rg BT 374.72 638.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 421.20 638.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 461.55 638.10 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 505.53 638.10 Td (by ) Tj ET Q q 0 0 0 rg BT 518.13 638.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 626.10 Td (category) Tj ET Q q 0 0 0 rg BT 83.77 626.10 Td (, ) Tj ET Q q 0 0 0 rg BT 88.77 626.10 Td (as ) Tj ET Q q 0 0 0 rg BT 99.60 626.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.43 626.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 169.02 626.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.02 626.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.02 626.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.02 626.10 Td ( ) Tj ET Q q 0 0 0 rg BT 216.52 626.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.46 626.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.46 626.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 603.60 178.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 603.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 603.60 52.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 603.60 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 569.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 569.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 569.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 569.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 569.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 569.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 569.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 569.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 569.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 547.60 178.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 547.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 547.60 52.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 547.60 4.00 -11.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 288.50 525.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 525.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 525.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 525.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 525.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 525.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 525.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 525.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 525.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 503.60 178.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 503.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 503.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 503.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 503.60 51.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 503.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 503.60 51.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 503.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 503.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 503.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 503.60 53.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 503.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 503.60 53.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 480.60 178.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 480.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 480.60 52.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 480.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 480.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 480.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 480.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 480.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 480.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 480.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 480.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 480.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 480.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 458.60 178.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 458.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 458.60 52.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 458.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 458.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 458.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 458.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 458.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 458.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 458.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 458.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 458.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 458.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 436.60 178.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 436.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 436.60 52.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 436.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 436.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 436.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 436.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 436.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 436.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 436.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 436.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 436.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 436.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 414.60 178.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 414.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 414.60 52.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 414.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 414.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 414.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 414.60 51.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 414.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 414.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 414.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 414.60 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 414.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 414.60 53.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 615.6 m 228.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 615.6 m 232.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 615.6 m 284.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 615.6 m 288.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 615.6 m 339.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 615.6 m 343.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 615.6 m 394.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 615.6 m 398.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 615.6 m 448.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 615.6 m 452.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 615.6 m 505.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 615.6 m 509.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 615.6 m 562.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 603.6 m 228.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 580.6 m 228.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 603.6 m 232.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 580.6 m 232.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 603.6 m 284.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 580.6 m 284.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 603.6 m 288.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 580.6 m 288.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 603.6 m 339.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 580.6 m 339.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 603.6 m 343.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 580.6 m 343.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 603.6 m 394.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 580.6 m 394.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 603.6 m 398.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 580.6 m 398.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 603.6 m 448.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 580.6 m 448.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 603.6 m 452.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 580.6 m 452.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 603.6 m 505.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 580.6 m 505.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 603.6 m 509.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 580.6 m 509.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 603.6 m 562.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 580.6 m 562.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 458.6 m 228.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 458.6 m 232.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 458.6 m 284.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 458.6 m 288.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 458.6 m 339.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 458.6 m 343.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 458.6 m 394.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 458.6 m 398.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 458.6 m 448.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 458.6 m 452.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 458.6 m 505.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 458.6 m 509.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 458.6 m 562.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 447.6 m 228.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 447.6 m 232.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 447.6 m 284.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 447.6 m 288.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 447.6 m 339.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 447.6 m 343.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 447.6 m 394.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 447.6 m 398.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 447.6 m 448.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 447.6 m 452.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 447.6 m 505.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 447.6 m 509.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 447.6 m 562.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 447.6 m 228.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 414.6 m 232.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 414.6 m 284.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 414.6 m 288.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 414.6 m 339.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 414.6 m 343.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 414.6 m 394.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 414.6 m 398.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 414.6 m 448.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 414.6 m 452.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 414.6 m 505.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 414.6 m 509.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 414.6 m 562.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 414.6 m 228.5 414.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 403.6 m 228.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 403.6 m 232.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 403.6 m 284.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 403.6 m 288.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 403.6 m 339.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 403.6 m 343.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 403.6 m 394.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 403.6 m 398.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 403.6 m 448.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 403.6 m 452.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 403.6 m 505.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 403.6 m 509.5 403.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 403.6 m 562.5 403.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 607.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.50 607.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 606.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.00 606.86 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 237.50 594.05 Td (Amortized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.25 585.05 Td (Cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.30 594.05 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 302.65 585.05 Td (V) Tj ET Q q 0 0 0 rg BT 308.32 585.05 Td (alue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.25 594.06 Td (Amortized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.20 585.06 Td (Cost) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 594.06 Td (Fair) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 585.06 Td (Value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.25 594.06 Td (Amortized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.20 585.06 Td (Cost) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.25 594.06 Td (Fair) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 585.06 Td (Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 572.05 Td (Available-for-sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 560.91 Td (U.S. Treasury) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 561.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.75 561.05 Td (312,282) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 561.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 561.05 Td (306,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 560.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 560.91 Td (388,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 560.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 560.91 Td (381,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 560.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 560.91 Td (354,262) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 560.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 560.91 Td (336,095) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 549.91 Td (U.S. Government agencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 550.05 Td (70,313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 550.05 Td (70,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 549.91 Td (686,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 549.91 Td (668,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 549.91 Td (950,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 549.91 Td (895,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 538.91 Td (Municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.75 539.05 Td (105,702) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 539.05 Td (108,595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 538.91 Td (234,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 538.91 Td (238,529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 538.91 Td (154,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 538.91 Td (152,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 527.91 Td (Corporate notes:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 516.91 Td (Financial issuers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 517.05 Td (80,014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 517.05 Td (80,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 516.91 Td (129,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 516.91 Td (129,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 516.91 Td (129,362) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 516.91 Td (128,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 505.91 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.75 506.05 Td (1,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.75 506.05 Td (1,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 505.91 Td (3,766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 505.91 Td (3,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 505.91 Td (5,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 505.91 Td (6,094) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 494.86 Td (Mortgage-backed: ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.22 498.94 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 482.91 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.00 483.05 Td (1,069,680) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 483.05 Td (1,052,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 482.91 Td (271,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.75 482.91 Td (271,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.75 482.91 Td (562,708) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 482.91 Td (548,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 471.91 Td (Collateralized mortgage obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 472.05 Td (40,421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 472.05 Td (40,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 471.91 Td (47,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 471.91 Td (47,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 471.91 Td (57,711) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 471.91 Td (57,027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 460.91 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.25 461.05 Td (51,380) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 461.05 Td (56,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.25 460.91 Td (46,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.25 460.91 Td (51,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.25 460.91 Td (50,532) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 460.91 Td (51,528) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 449.91 Td (Total available-for-sale securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 450.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.00 450.05 Td (1,731,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 450.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 450.05 Td (1,716,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 449.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 355.00 449.91 Td (1,807,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 449.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 409.00 449.91 Td (1,792,078) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 449.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.00 449.91 Td (2,265,118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 449.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 449.91 Td (2,176,290) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 439.05 Td (Held-to-maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 427.91 Td (U.S. Government agencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 428.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.75 428.05 Td (687,302) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 428.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 428.05 Td (680,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 427.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 427.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 427.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 427.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 427.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 427.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 427.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 427.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 416.91 Td (Municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.75 417.05 Td (197,524) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 417.05 Td (197,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 416.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 416.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 416.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 416.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 405.91 Td (Total held-to-maturity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 235.00 406.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 251.75 406.05 Td (884,826) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.00 406.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 406.05 Td (878,111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 405.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 405.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 405.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.00 405.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 405.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.00 405.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 405.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 405.91 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 393.30 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.74 393.30 Td ( ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 64.99 393.30 Td (Consisting entir) Tj ET Q q 0 0 0 rg BT 122.42 393.30 Td (ely of r) Tj ET Q q 0 0 0 rg BT 147.58 393.30 Td (esidential mortgage-backed securities, none of which ar) Tj ET Q q 0 0 0 rg BT 349.45 393.30 Td (e subprime.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.30 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 372.30 Td (ables ) Tj ET Q q 0 0 0 rg BT 79.02 372.30 Td (presenting ) Tj ET Q q 0 0 0 rg BT 123.73 372.30 Td (the ) Tj ET Q q 0 0 0 rg BT 139.00 372.30 Td (carrying ) Tj ET Q q 0 0 0 rg BT 175.38 372.30 Td (amounts ) Tj ET Q q 0 0 0 rg BT 212.32 372.30 Td (and ) Tj ET Q q 0 0 0 rg BT 229.82 372.30 Td (gross ) Tj ET Q q 0 0 0 rg BT 253.99 372.30 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 298.69 372.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 322.85 372.30 Td (and ) Tj ET Q q 0 0 0 rg BT 340.35 372.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 367.30 372.30 Td (for ) Tj ET Q q 0 0 0 rg BT 382.02 372.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 422.84 372.30 Td (available-for) Tj ET Q q 0 0 0 rg BT 473.72 372.30 Td (-sale ) Tj ET Q q 0 0 0 rg BT 495.66 372.30 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 372.30 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 360.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 360.30 Td ( ) Tj ET Q q 0 0 0 rg BT 71.98 360.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.39 360.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.39 360.30 Td ( ) Tj ET Q q 0 0 0 rg BT 110.36 360.30 Td (are ) Tj ET Q q 0 0 0 rg BT 124.55 360.30 Td (included ) Tj ET Q q 0 0 0 rg BT 160.95 360.30 Td (by ) Tj ET Q q 0 0 0 rg BT 172.93 360.30 Td (reference ) Tj ET Q q 0 0 0 rg BT 212.09 360.30 Td (to ) Tj ET Q q 0 0 0 rg BT 221.84 360.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 243.25 360.30 Td (3 ) Tj ET Q q 0 0 0 rg BT 250.23 360.30 Td (to ) Tj ET Q q 0 0 0 rg BT 259.98 360.30 Td (the ) Tj ET Q q 0 0 0 rg BT 274.17 360.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 328.92 360.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 368.11 360.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 413.97 360.30 Td (presented ) Tj ET Q q 0 0 0 rg BT 454.26 360.30 Td (under ) Tj ET Q q 0 0 0 rg BT 479.00 360.30 Td (Item ) Tj ET Q q 0 0 0 rg BT 499.30 360.30 Td (8 ) Tj ET Q q 0 0 0 rg BT 506.28 360.30 Td (of ) Tj ET Q q 0 0 0 rg BT 516.58 360.30 Td (this ) Tj ET Q q 0 0 0 rg BT 532.57 360.30 Td (Annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 348.30 Td (Report ) Tj ET Q q 0 0 0 rg BT 79.58 348.30 Td (on ) Tj ET Q q 0 0 0 rg BT 91.95 348.30 Td (Form ) Tj ET Q q 0 0 0 rg BT 115.98 348.30 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 141.23 348.30 Td (The ) Tj ET Q q 0 0 0 rg BT 159.14 348.30 Td (following ) Tj ET Q q 0 0 0 rg BT 200.40 348.30 Td (table ) Tj ET Q q 0 0 0 rg BT 222.19 348.30 Td (presents ) Tj ET Q q 0 0 0 rg BT 257.33 348.30 Td (the ) Tj ET Q q 0 0 0 rg BT 271.91 348.30 Td (carrying ) Tj ET Q q 0 0 0 rg BT 307.59 348.30 Td (value ) Tj ET Q q 0 0 0 rg BT 331.61 348.30 Td (of ) Tj ET Q q 0 0 0 rg BT 342.31 348.30 Td (the ) Tj ET Q q 0 0 0 rg BT 356.89 348.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 403.14 348.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 443.27 348.30 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 484.52 348.30 Td (as ) Tj ET Q q 0 0 0 rg BT 495.22 348.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.91 348.30 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 336.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 336.30 Td (, ) Tj ET Q q 0 0 0 rg BT 75.00 336.30 Td (by ) Tj ET Q q 0 0 0 rg BT 87.50 336.30 Td (maturity ) Tj ET Q q 0 0 0 rg BT 123.88 336.30 Td (distribution.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 307.80 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 307.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 307.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 307.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 307.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 307.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 307.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 307.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 307.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 307.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 307.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 307.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 307.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 307.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 307.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 285.80 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 285.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 285.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 285.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 285.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 285.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 285.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 285.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 285.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 285.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 285.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 285.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 285.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 285.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 285.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 263.80 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 263.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 263.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 263.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 263.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 263.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 263.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 263.80 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 263.80 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 124.79999999999995 m 460.5 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 124.79999999999995 m 509.5 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 124.79999999999995 m 513.5 124.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 124.79999999999995 m 562.5 124.79999999999995 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 312.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.55 317.75 Td (W) Tj ET Q q 0 0 0 rg BT 212.78 317.75 Td (ithin 1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.60 309.80 Td (year) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.70 317.75 Td (From 1 to) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.05 309.80 Td (5 years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.70 317.75 Td (From5to) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.05 309.80 Td (10 years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.05 317.75 Td (After 10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.05 309.80 Td (years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.60 317.75 Td (Mortgage-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.15 309.80 Td (backed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.80 317.75 Td (Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.70 309.80 Td (Securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.30 312.05 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 299.25 Td (Available-for-sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 288.11 Td (U.S. Treasury) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 288.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.25 288.11 Td (96,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 288.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 288.11 Td (14,950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 288.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.75 288.11 Td (194,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 288.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 288.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 288.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 288.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 288.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 288.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 288.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 288.11 Td (306,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 277.11 Td (U.S. Government agencies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.25 277.11 Td (11,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 277.11 Td (53,715) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 277.11 Td (5,490) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 277.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 277.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 277.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 277.11 Td (70,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 266.11 Td (Municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.25 266.11 Td (39,272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 266.11 Td (42,058) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 266.11 Td (22,276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 266.11 Td (4,989) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 266.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 266.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 266.11 Td (108,595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 255.11 Td (Corporate notes:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 244.11 Td (Financial issuers) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 216.25 244.11 Td (11,977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 244.11 Td (55,745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 244.11 Td (3,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 244.11 Td (9,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 244.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 244.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 244.11 Td (80,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 233.11 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 233.11 Td (1,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 233.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 233.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 233.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 233.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 233.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 233.11 Td (1,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 222.06 Td (Mortgage-backed: ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.22 226.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 210.06 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 209.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 209.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 209.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 209.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 209.26 Td (1,052,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 209.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 209.26 Td (1,052,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 196.06 Td (Collateralized mortgage obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 195.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 195.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 195.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 195.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.25 195.26 Td (40,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 195.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 195.26 Td (40,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 182.11 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 182.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 182.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 182.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 182.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 182.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 182.11 Td (56,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 182.11 Td (56,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 171.11 Td (Total available-for-sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 171.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 211.75 171.11 Td (160,756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 171.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 264.75 171.11 Td (166,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 171.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 317.75 171.11 Td (225,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 171.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 171.11 Td (14,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 171.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.00 171.11 Td (1,092,597) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 171.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.25 171.11 Td (56,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 171.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 171.11 Td (1,716,388) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 160.25 Td (Held-to-maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 149.11 Td (U.S. Government agencies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 149.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 149.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 149.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 149.11 Td (6,569) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 149.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 149.11 Td (44,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 149.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 149.11 Td (635,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 149.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 149.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 149.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 149.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 149.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 149.11 Td (687,302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 138.11 Td (Municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 138.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 138.11 Td (12,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 138.11 Td (51,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 138.11 Td (133,171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 138.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 138.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 138.11 Td (197,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 127.11 Td (Total held-to-maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 198.00 127.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.00 127.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 251.00 127.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.25 127.11 Td (19,208) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 304.00 127.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.25 127.11 Td (96,454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.00 127.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.75 127.11 Td (769,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 127.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.00 127.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.00 127.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 127.11 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 127.11 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 127.11 Td (884,826) Tj ET Q BT /F1 10.00 Tf ET BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 114.50 Td (\(1\) Consisting entir) Tj ET Q q 0 0 0 rg BT 122.42 114.50 Td (ely of r) Tj ET Q q 0 0 0 rg BT 147.58 114.50 Td (esidential mortgage-backed securities, none of which ar) Tj ET Q q 0 0 0 rg BT 349.45 114.50 Td (e subprime.) Tj ET Q endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (21) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.32 742.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 105.75 742.10 Td (average ) Tj ET Q q 0 0 0 rg BT 138.62 742.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 160.39 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 173.82 742.10 Td (each ) Tj ET Q q 0 0 0 rg BT 193.92 742.10 Td (range ) Tj ET Q q 0 0 0 rg BT 217.90 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.00 742.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 269.77 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.88 742.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 321.92 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 333.69 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 339.91 742.10 Td (tax-equivalent ) Tj ET Q q 0 0 0 rg BT 398.88 742.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 423.16 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 431.61 742.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 459.50 742.10 Td (below ) Tj ET Q q 0 0 0 rg BT 485.71 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.82 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 742.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 730.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 701.60 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 701.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 701.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 701.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 701.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 701.60 4.00 -11.00 re f /GS0 gs 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0.9333333333333333 1 rg /GS0 gs 248.50 679.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 679.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 679.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 679.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 679.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 679.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 679.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 679.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 679.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 679.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 679.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 657.60 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 657.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 657.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 657.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 657.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 657.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 657.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 657.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 657.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 657.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 657.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 657.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 657.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 657.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 657.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 635.60 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 635.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 635.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 635.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 635.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 635.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 635.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 635.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 635.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 635.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 635.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 635.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 635.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 635.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 635.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 612.60 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 612.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 612.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 612.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 612.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 612.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 612.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 612.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 612.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 612.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 612.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 612.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 612.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 612.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 612.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 590.60 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 590.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 590.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 590.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 590.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 590.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 590.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 590.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 590.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 590.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 590.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 590.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 590.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 590.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 590.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 568.60 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 568.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 568.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 568.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 568.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 568.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 568.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 568.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 568.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 568.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 568.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 568.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 568.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 568.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 568.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 546.60 141.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 546.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 546.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 546.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 546.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 297.50 546.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 546.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 546.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 546.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 546.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 546.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 546.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 460.50 546.60 49.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 509.50 546.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 546.60 49.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 719.6 m 191.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 701.6 m 191.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 719.6 m 195.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 701.6 m 195.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 719.6 m 244.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 701.6 m 244.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 719.6 m 248.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 701.6 m 248.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 719.6 m 297.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 701.6 m 297.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 719.6 m 301.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 701.6 m 301.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 719.6 m 350.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 701.6 m 350.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 719.6 m 354.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 701.6 m 354.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 719.6 m 403.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 701.6 m 403.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 719.6 m 407.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 701.6 m 407.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 719.6 m 456.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 701.6 m 456.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 719.6 m 460.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 701.6 m 460.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 719.6 m 509.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 701.6 m 509.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 719.6 m 513.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 701.6 m 513.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 719.6 m 562.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 701.6 m 562.5 701.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 579.6 m 191.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 579.6 m 195.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 579.6 m 244.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 579.6 m 248.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 579.6 m 297.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 579.6 m 301.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 579.6 m 350.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 579.6 m 354.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 579.6 m 403.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 579.6 m 407.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 579.6 m 456.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 579.6 m 460.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 579.6 m 509.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 579.6 m 513.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 579.6 m 562.5 579.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 568.6 m 191.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 568.6 m 195.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 568.6 m 244.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 568.6 m 248.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 568.6 m 297.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 568.6 m 301.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 568.6 m 350.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 568.6 m 354.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 568.6 m 403.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 568.6 m 407.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 568.6 m 456.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 568.6 m 460.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 568.6 m 509.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 568.6 m 513.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 568.6 m 562.5 568.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 535.6 m 191.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 535.6 m 195.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 535.6 m 244.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 535.6 m 248.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 535.6 m 297.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 535.6 m 301.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 535.6 m 350.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 535.6 m 354.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 535.6 m 403.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 535.6 m 407.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 535.6 m 456.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 535.6 m 460.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 535.6 m 509.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 535.6 m 513.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 535.6 m 562.5 535.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 524.6 m 191.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 524.6 m 195.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 524.6 m 244.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 524.6 m 248.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 524.6 m 297.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 524.6 m 301.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 524.6 m 350.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 524.6 m 354.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 524.6 m 403.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 524.6 m 407.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 524.6 m 456.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 524.6 m 460.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 460.5 524.6 m 509.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 509.5 524.6 m 513.5 524.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 524.6 m 562.5 524.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.55 711.55 Td (W) Tj ET Q q 0 0 0 rg BT 215.78 711.55 Td (ithin) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.60 703.60 Td (1 year) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.80 711.55 Td (From1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.90 703.60 Td (to5years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.70 711.55 Td (From5to) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.05 703.60 Td (10 years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.05 711.55 Td (After) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.05 703.60 Td (10years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.60 711.55 Td (Mortgage-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.15 703.60 Td (backed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.80 711.55 Td (Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.70 703.60 Td (Securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.30 705.85 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 693.05 Td (Available-for-sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 681.91 Td (U.S. Treasury) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 681.91 Td (0.41) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 681.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 681.91 Td (0.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 681.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 681.91 Td (1.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 681.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 681.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 681.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 681.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 681.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 681.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 681.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 681.91 Td (1.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 681.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 670.91 Td (U.S. Government agencies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 670.91 Td (0.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 670.91 Td (0.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 670.91 Td (5.30) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 670.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 670.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 670.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 670.91 Td (1.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 659.91 Td (Municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 659.91 Td (1.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 659.91 Td (2.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 659.91 Td (4.70) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 659.91 Td (4.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 659.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 659.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 659.91 Td (2.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 648.91 Td (Corporate notes:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 637.91 Td (Financial issuers) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 637.91 Td (1.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 637.91 Td (1.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 637.91 Td (2.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 637.91 Td (4.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 637.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 637.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 637.91 Td (2.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 626.91 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 626.91 Td (1.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 626.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 626.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 626.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 626.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 626.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 626.91 Td (1.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 615.86 Td (Mortgage-backed: ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.22 619.94 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 603.91 Td (Mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 603.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 603.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 603.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 603.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 603.91 Td (2.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 603.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 603.91 Td (2.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 592.91 Td (Collateralized mortgage obligations) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 592.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 592.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 592.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 592.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 592.91 Td (1.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 592.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 592.91 Td (1.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 581.91 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 581.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 581.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.50 581.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 581.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 581.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 581.91 Td (4.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 581.91 Td (4.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 570.91 Td (Total available-for-sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 220.75 570.91 Td (0.85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 570.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 570.91 Td (1.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 570.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 570.91 Td (2.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 570.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 570.91 Td (4.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 570.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.75 570.91 Td (2.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 570.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.75 570.91 Td (4.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 570.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 570.91 Td (2.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 570.91 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 560.05 Td (Held-to-maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 548.91 Td (U.S. Government agencies) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 548.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 548.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 548.91 Td (1.66) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 548.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 548.91 Td (3.97) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 548.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 548.91 Td (3.48) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 548.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 548.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 548.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 548.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 548.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 548.91 Td (3.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 548.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 537.91 Td (Municipal) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 537.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 537.91 Td (3.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 537.91 Td (4.42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 537.91 Td (4.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 537.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 537.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 537.91 Td (4.67) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 526.91 Td (Total held-to-maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 227.50 526.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 236.50 526.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.75 526.91 Td (2.56) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.50 526.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.75 526.91 Td (4.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.50 526.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 526.91 Td (3.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.50 526.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.50 526.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 526.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 526.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 526.91 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 526.91 Td (3.76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 526.91 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 9.00 Tf ET q 0 0 0 rg BT 50.00 514.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 62.74 514.30 Td (Consisting ) Tj ET Q q 0 0 0 rg BT 103.50 514.30 Td (entir) Tj ET Q q 0 0 0 rg BT 120.17 514.30 Td (ely ) Tj ET Q q 0 0 0 rg BT 132.91 514.30 Td (of ) Tj ET Q q 0 0 0 rg BT 142.16 514.30 Td (r) Tj ET Q q 0 0 0 rg BT 145.33 514.30 Td (esidential ) Tj ET Q q 0 0 0 rg BT 182.57 514.30 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 247.80 514.30 Td (securities, ) Tj ET Q q 0 0 0 rg BT 286.79 514.30 Td (none ) Tj ET Q q 0 0 0 rg BT 306.54 514.30 Td (of ) Tj ET Q q 0 0 0 rg BT 315.79 514.30 Td (which ) Tj ET Q q 0 0 0 rg BT 339.53 514.30 Td (ar) Tj ET Q q 0 0 0 rg BT 347.20 514.30 Td (e ) Tj ET Q q 0 0 0 rg BT 353.45 514.30 Td (subprime.) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (22) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 722.33 Td (ITEM1A.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.00 722.33 Td (RISK FACTORS) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 702.10 Td (An ) Tj ET Q q 0 0 0 rg BT 63.93 702.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 109.51 702.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.00 702.10 Td (our ) Tj ET Q q 0 0 0 rg BT 134.03 702.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 173.50 702.10 Td (is ) Tj ET Q q 0 0 0 rg BT 181.88 702.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 211.91 702.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.39 702.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 241.99 702.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 276.46 702.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.94 702.10 Td (our ) Tj ET Q q 0 0 0 rg BT 300.98 702.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 339.08 702.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 370.22 702.10 Td (material ) Tj ET Q q 0 0 0 rg BT 404.68 702.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 425.28 702.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.42 702.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 494.22 702.10 Td (that ) Tj ET Q q 0 0 0 rg BT 510.92 702.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 690.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 85.26 690.10 Td (af) Tj ET Q q 0 0 0 rg BT 92.85 690.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 110.15 690.10 Td (W) Tj ET Q q 0 0 0 rg BT 119.19 690.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 147.25 690.10 Td (are ) Tj ET Q q 0 0 0 rg BT 161.95 690.10 Td (described ) Tj ET Q q 0 0 0 rg BT 202.77 690.10 Td (below) Tj ET Q q 0 0 0 rg BT 226.56 690.10 Td (. ) Tj ET Q q 0 0 0 rg BT 231.56 690.10 Td (Before ) Tj ET Q q 0 0 0 rg BT 261.26 690.10 Td (making ) Tj ET Q q 0 0 0 rg BT 293.76 690.10 Td (an ) Tj ET Q q 0 0 0 rg BT 305.69 690.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 352.08 690.10 Td (decision, ) Tj ET Q q 0 0 0 rg BT 390.40 690.10 Td (you ) Tj ET Q q 0 0 0 rg BT 407.90 690.10 Td (should ) Tj ET Q q 0 0 0 rg BT 437.07 690.10 Td (carefully ) Tj ET Q q 0 0 0 rg BT 475.10 690.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 511.47 690.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.19 690.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 547.58 690.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 678.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 102.77 678.10 Td (described ) Tj ET Q q 0 0 0 rg BT 142.77 678.10 Td (below ) Tj ET Q q 0 0 0 rg BT 168.90 678.10 Td (together ) Tj ET Q q 0 0 0 rg BT 203.34 678.10 Td (with ) Tj ET Q q 0 0 0 rg BT 222.81 678.10 Td (all ) Tj ET Q q 0 0 0 rg BT 234.49 678.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.50 678.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.40 678.10 Td (other ) Tj ET Q q 0 0 0 rg BT 280.63 678.10 Td (information ) Tj ET Q q 0 0 0 rg BT 329.53 678.10 Td (included ) Tj ET Q q 0 0 0 rg BT 365.65 678.10 Td (or ) Tj ET Q q 0 0 0 rg BT 375.66 678.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 427.88 678.10 Td (by ) Tj ET Q q 0 0 0 rg BT 439.57 678.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 478.43 678.10 Td (in ) Tj ET Q q 0 0 0 rg BT 487.90 678.10 Td (this ) Tj ET Q q 0 0 0 rg BT 503.66 678.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 534.78 678.10 Td (Report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 666.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.71 666.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 87.09 666.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 110.36 666.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.51 666.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.00 666.10 Td (our ) Tj ET Q q 0 0 0 rg BT 154.04 666.10 Td (other ) Tj ET Q q 0 0 0 rg BT 177.30 666.10 Td (filings ) Tj ET Q q 0 0 0 rg BT 205.56 666.10 Td (with ) Tj ET Q q 0 0 0 rg BT 226.05 666.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.98 666.10 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 263.93 666.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 309.42 666.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 331.02 666.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.17 666.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 401.97 666.10 Td (that ) Tj ET Q q 0 0 0 rg BT 419.68 666.10 Td (management ) Tj ET Q q 0 0 0 rg BT 473.48 666.10 Td (is ) Tj ET Q q 0 0 0 rg BT 482.86 666.10 Td (not ) Tj ET Q q 0 0 0 rg BT 498.35 666.10 Td (aware ) Tj ET Q q 0 0 0 rg BT 524.93 666.10 Td (of ) Tj ET Q q 0 0 0 rg BT 535.97 666.10 Td (or ) Tj ET Q q 0 0 0 rg BT 547.01 666.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 654.10 Td (management ) Tj ET Q q 0 0 0 rg BT 103.96 654.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 142.92 654.10 Td (deems ) Tj ET Q q 0 0 0 rg BT 171.34 654.10 Td (immaterial ) Tj ET Q q 0 0 0 rg BT 217.53 654.10 Td (may ) Tj ET Q q 0 0 0 rg BT 237.61 654.10 Td (also ) Tj ET Q q 0 0 0 rg BT 256.59 654.10 Td (impair ) Tj ET Q q 0 0 0 rg BT 285.36 654.10 Td (W) Tj ET Q q 0 0 0 rg BT 294.40 654.10 Td (intrust's ) Tj ET Q q 0 0 0 rg BT 328.52 654.10 Td (business ) Tj ET Q q 0 0 0 rg BT 365.28 654.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 412.09 654.10 Td (This ) Tj ET Q q 0 0 0 rg BT 432.11 654.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 464.42 654.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 494.50 654.10 Td (on ) Tj ET Q q 0 0 0 rg BT 507.38 654.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 531.92 654.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 555.34 654.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 642.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 88.60 642.10 Td (in ) Tj ET Q q 0 0 0 rg BT 99.44 642.10 Td (its ) Tj ET Q q 0 0 0 rg BT 111.94 642.10 Td (entirety ) Tj ET Q q 0 0 0 rg BT 145.54 642.10 Td (by ) Tj ET Q q 0 0 0 rg BT 158.60 642.10 Td (these ) Tj ET Q q 0 0 0 rg BT 182.21 642.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 200.26 642.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 233.03 642.10 Td (If ) Tj ET Q q 0 0 0 rg BT 242.75 642.10 Td (any ) Tj ET Q q 0 0 0 rg BT 260.24 642.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.63 642.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.91 642.10 Td (following ) Tj ET Q q 0 0 0 rg BT 328.85 642.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 350.80 642.10 Td (actually ) Tj ET Q q 0 0 0 rg BT 385.51 642.10 Td (occur) Tj ET Q q 0 0 0 rg BT 407.32 642.10 Td (, ) Tj ET Q q 0 0 0 rg BT 412.88 642.10 Td (our ) Tj ET Q q 0 0 0 rg BT 429.26 642.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 468.71 642.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 506.75 642.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 547.58 642.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 630.10 Td (results ) Tj ET Q q 0 0 0 rg BT 78.73 630.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.68 630.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 133.95 630.10 Td (could ) Tj ET Q q 0 0 0 rg BT 158.79 630.10 Td (be ) Tj ET Q q 0 0 0 rg BT 170.84 630.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 214.00 630.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.06 630.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 271.99 630.10 Td (af) Tj ET Q q 0 0 0 rg BT 279.58 630.10 Td (fected. ) Tj ET Q q 0 0 0 rg BT 309.12 630.10 Td (If ) Tj ET Q q 0 0 0 rg BT 318.40 630.10 Td (this ) Tj ET Q q 0 0 0 rg BT 335.47 630.10 Td (were ) Tj ET Q q 0 0 0 rg BT 357.51 630.10 Td (to ) Tj ET Q q 0 0 0 rg BT 367.91 630.10 Td (happen, ) Tj ET Q q 0 0 0 rg BT 401.91 630.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.74 630.10 Td (value ) Tj ET Q q 0 0 0 rg BT 441.01 630.10 Td (of ) Tj ET Q q 0 0 0 rg BT 451.96 630.10 Td (our ) Tj ET Q q 0 0 0 rg BT 467.91 630.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 508.29 630.10 Td (could ) Tj ET Q q 0 0 0 rg BT 533.13 630.10 Td (decline ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 618.10 Td (significantly) Tj ET Q q 0 0 0 rg BT 99.34 618.10 Td (, ) Tj ET Q q 0 0 0 rg BT 104.34 618.10 Td (and ) Tj ET Q q 0 0 0 rg BT 121.28 618.10 Td (you ) Tj ET Q q 0 0 0 rg BT 138.78 618.10 Td (could ) Tj ET Q q 0 0 0 rg BT 163.50 618.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 182.10 618.10 Td (all ) Tj ET Q q 0 0 0 rg BT 194.60 618.10 Td (or ) Tj ET Q q 0 0 0 rg BT 205.43 618.10 Td (part ) Tj ET Q q 0 0 0 rg BT 223.48 618.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.31 618.10 Td (your ) Tj ET Q q 0 0 0 rg BT 255.14 618.10 Td (investment.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 591.70 Td (Risks Related to Our) Tj ET Q q 0 0 0 rg BT 139.54 591.70 Td ( Business and Operating Envir) Tj ET Q q 0 0 0 rg BT 270.50 591.70 Td (onment) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 570.70 Td (Dif) Tj ET Q q 0 0 0 rg BT 63.15 570.70 Td (ficult ) Tj ET Q q 0 0 0 rg BT 87.12 570.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 128.85 570.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 173.94 570.70 Td (have ) Tj ET Q q 0 0 0 rg BT 195.68 570.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 236.30 570.70 Td (af) Tj ET Q q 0 0 0 rg BT 244.45 570.70 Td (fected ) Tj ET Q q 0 0 0 rg BT 271.18 570.70 Td (our ) Tj ET Q q 0 0 0 rg BT 287.93 570.70 Td (company ) Tj ET Q q 0 0 0 rg BT 327.45 570.70 Td (and ) Tj ET Q q 0 0 0 rg BT 345.31 570.70 Td (the ) Tj ET Q q 0 0 0 rg BT 360.40 570.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 399.92 570.70 Td (services ) Tj ET Q q 0 0 0 rg BT 434.43 570.70 Td (industry ) Tj ET Q q 0 0 0 rg BT 470.64 570.70 Td (in ) Tj ET Q q 0 0 0 rg BT 481.28 570.70 Td (general ) Tj ET Q q 0 0 0 rg BT 514.69 570.70 Td (and ) Tj ET Q q 0 0 0 rg BT 532.55 570.70 Td (further ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 558.70 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 106.07 558.70 Td (in ) Tj ET Q q 0 0 0 rg BT 117.14 558.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 159.31 558.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 204.83 558.70 Td (may ) Tj ET Q q 0 0 0 rg BT 224.79 558.70 Td (materially ) Tj ET Q q 0 0 0 rg BT 269.18 558.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 310.23 558.70 Td (af) Tj ET Q q 0 0 0 rg BT 318.38 558.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 336.10 558.70 Td (our ) Tj ET Q q 0 0 0 rg BT 353.29 558.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 393.54 558.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 433.50 558.70 Td (condition, ) Tj ET Q q 0 0 0 rg BT 477.63 558.70 Td (results ) Tj ET Q q 0 0 0 rg BT 507.59 558.70 Td (of ) Tj ET Q q 0 0 0 rg BT 518.66 558.70 Td (operations ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 546.70 Td (and ) Tj ET Q q 0 0 0 rg BT 68.06 546.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 89.45 546.70 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.43 529.70 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 87.09 529.70 Td (economy ) Tj ET Q q 0 0 0 rg BT 125.62 529.70 Td (was ) Tj ET Q q 0 0 0 rg BT 143.05 529.70 Td (in ) Tj ET Q q 0 0 0 rg BT 152.71 529.70 Td (a ) Tj ET Q q 0 0 0 rg BT 159.03 529.70 Td (recession ) Tj ET Q q 0 0 0 rg BT 198.11 529.70 Td (from ) Tj ET Q q 0 0 0 rg BT 219.43 529.70 Td (the ) Tj ET Q q 0 0 0 rg BT 233.53 529.70 Td (third ) Tj ET Q q 0 0 0 rg BT 254.29 529.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 284.49 529.70 Td (of ) Tj ET Q q 0 0 0 rg BT 294.70 529.70 Td (2008 ) Tj ET Q q 0 0 0 rg BT 316.57 529.70 Td (to ) Tj ET Q q 0 0 0 rg BT 326.23 529.70 Td (the ) Tj ET Q q 0 0 0 rg BT 340.33 529.70 Td (second ) Tj ET Q q 0 0 0 rg BT 369.97 529.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 400.17 529.70 Td (of ) Tj ET Q q 0 0 0 rg BT 410.38 529.70 Td (2009, ) Tj ET Q q 0 0 0 rg BT 434.76 529.70 Td (and ) Tj ET Q q 0 0 0 rg BT 451.07 529.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 491.83 529.70 Td (activity ) Tj ET Q q 0 0 0 rg BT 523.69 529.70 Td (continues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.70 Td (to ) Tj ET Q q 0 0 0 rg BT 59.63 517.70 Td (be ) Tj ET Q q 0 0 0 rg BT 70.91 517.70 Td (restrained. ) Tj ET Q q 0 0 0 rg BT 114.55 517.70 Td (The ) Tj ET Q q 0 0 0 rg BT 131.95 517.70 Td (housing ) Tj ET Q q 0 0 0 rg BT 165.46 517.70 Td (and ) Tj ET Q q 0 0 0 rg BT 181.75 517.70 Td (real ) Tj ET Q q 0 0 0 rg BT 198.58 517.70 Td (estate ) Tj ET Q q 0 0 0 rg BT 223.20 517.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 256.70 517.70 Td (have ) Tj ET Q q 0 0 0 rg BT 277.42 517.70 Td (also ) Tj ET Q q 0 0 0 rg BT 295.38 517.70 Td (been ) Tj ET Q q 0 0 0 rg BT 316.11 517.70 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 369.60 517.70 Td (extraordinary ) Tj ET Q q 0 0 0 rg BT 425.31 517.70 Td (volatility ) Tj ET Q q 0 0 0 rg BT 463.26 517.70 Td (since ) Tj ET Q q 0 0 0 rg BT 485.66 517.70 Td (2007. ) Tj ET Q q 0 0 0 rg BT 509.60 517.70 Td (Additionally) Tj ET Q q 0 0 0 rg BT 559.50 517.70 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.70 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 112.84 505.70 Td (rates ) Tj ET Q q 0 0 0 rg BT 134.56 505.70 Td (remained ) Tj ET Q q 0 0 0 rg BT 174.61 505.70 Td (historically ) Tj ET Q q 0 0 0 rg BT 222.45 505.70 Td (high ) Tj ET Q q 0 0 0 rg BT 243.07 505.70 Td (during ) Tj ET Q q 0 0 0 rg BT 272.03 505.70 Td (these ) Tj ET Q q 0 0 0 rg BT 295.42 505.70 Td (periods. ) Tj ET Q q 0 0 0 rg BT 330.00 505.70 Td (These ) Tj ET Q q 0 0 0 rg BT 356.72 505.70 Td (factors ) Tj ET Q q 0 0 0 rg BT 386.78 505.70 Td (have ) Tj ET Q q 0 0 0 rg BT 408.50 505.70 Td (had ) Tj ET Q q 0 0 0 rg BT 425.79 505.70 Td (a ) Tj ET Q q 0 0 0 rg BT 433.07 505.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 478.13 505.70 Td (negative ) Tj ET Q q 0 0 0 rg BT 514.85 505.70 Td (ef) Tj ET Q q 0 0 0 rg BT 522.44 505.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 540.27 505.70 Td (on ) Tj ET Q q 0 0 0 rg BT 553.11 505.70 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.70 Td (and ) Tj ET Q q 0 0 0 rg BT 67.03 493.70 Td (other ) Tj ET Q q 0 0 0 rg BT 90.17 493.70 Td (companies ) Tj ET Q q 0 0 0 rg BT 135.53 493.70 Td (in ) Tj ET Q q 0 0 0 rg BT 145.90 493.70 Td (the ) Tj ET Q q 0 0 0 rg BT 160.71 493.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 198.28 493.70 Td (services ) Tj ET Q q 0 0 0 rg BT 233.08 493.70 Td (industry) Tj ET Q q 0 0 0 rg BT 265.21 493.70 Td (. ) Tj ET Q q 0 0 0 rg BT 269.73 493.70 Td (As ) Tj ET Q q 0 0 0 rg BT 283.44 493.70 Td (a ) Tj ET Q q 0 0 0 rg BT 290.47 493.70 Td (lending ) Tj ET Q q 0 0 0 rg BT 323.06 493.70 Td (institution, ) Tj ET Q q 0 0 0 rg BT 368.71 493.70 Td (our ) Tj ET Q q 0 0 0 rg BT 384.63 493.70 Td (business ) Tj ET Q q 0 0 0 rg BT 421.12 493.70 Td (is ) Tj ET Q q 0 0 0 rg BT 430.38 493.70 Td (directly ) Tj ET Q q 0 0 0 rg BT 463.51 493.70 Td (af) Tj ET Q q 0 0 0 rg BT 471.10 493.70 Td (fected ) Tj ET Q q 0 0 0 rg BT 498.12 493.70 Td (by ) Tj ET Q q 0 0 0 rg BT 510.71 493.70 Td (the ) Tj ET Q q 0 0 0 rg BT 525.52 493.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 553.67 493.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.70 Td (our ) Tj ET Q q 0 0 0 rg BT 65.44 481.70 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 108.09 481.70 Td (to ) Tj ET Q q 0 0 0 rg BT 117.98 481.70 Td (repay ) Tj ET Q q 0 0 0 rg BT 142.29 481.70 Td (their ) Tj ET Q q 0 0 0 rg BT 162.73 481.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 185.95 481.70 Td (, ) Tj ET Q q 0 0 0 rg BT 190.56 481.70 Td (as ) Tj ET Q q 0 0 0 rg BT 201.00 481.70 Td (well ) Tj ET Q q 0 0 0 rg BT 220.32 481.70 Td (as ) Tj ET Q q 0 0 0 rg BT 230.76 481.70 Td (by ) Tj ET Q q 0 0 0 rg BT 242.87 481.70 Td (the ) Tj ET Q q 0 0 0 rg BT 257.20 481.70 Td (value ) Tj ET Q q 0 0 0 rg BT 280.96 481.70 Td (of ) Tj ET Q q 0 0 0 rg BT 291.40 481.70 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 333.21 481.70 Td (such ) Tj ET Q q 0 0 0 rg BT 353.65 481.70 Td (as ) Tj ET Q q 0 0 0 rg BT 364.09 481.70 Td (real ) Tj ET Q q 0 0 0 rg BT 381.18 481.70 Td (estate, ) Tj ET Q q 0 0 0 rg BT 408.55 481.70 Td (that ) Tj ET Q q 0 0 0 rg BT 425.66 481.70 Td (secures ) Tj ET Q q 0 0 0 rg BT 457.20 481.70 Td (many ) Tj ET Q q 0 0 0 rg BT 481.52 481.70 Td (of ) Tj ET Q q 0 0 0 rg BT 491.96 481.70 Td (our ) Tj ET Q q 0 0 0 rg BT 507.40 481.70 Td (loans. ) Tj ET Q q 0 0 0 rg BT 533.12 481.70 Td (Market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.70 Td (turmoil ) Tj ET Q q 0 0 0 rg BT 82.69 469.70 Td (led ) Tj ET Q q 0 0 0 rg BT 98.16 469.70 Td (to ) Tj ET Q q 0 0 0 rg BT 109.18 469.70 Td (an ) Tj ET Q q 0 0 0 rg BT 121.87 469.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 157.87 469.70 Td (in ) Tj ET Q q 0 0 0 rg BT 168.90 469.70 Td (char) Tj ET Q q 0 0 0 rg BT 185.93 469.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 206.84 469.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 217.31 469.70 Td (and ) Tj ET Q q 0 0 0 rg BT 235.00 469.70 Td (has ) Tj ET Q q 0 0 0 rg BT 251.58 469.70 Td (negatively ) Tj ET Q q 0 0 0 rg BT 296.48 469.70 Td (impacted ) Tj ET Q q 0 0 0 rg BT 336.38 469.70 Td (consumer ) Tj ET Q q 0 0 0 rg BT 378.50 469.70 Td (confidence ) Tj ET Q q 0 0 0 rg BT 425.61 469.70 Td (and ) Tj ET Q q 0 0 0 rg BT 443.30 469.70 Td (the ) Tj ET Q q 0 0 0 rg BT 458.77 469.70 Td (level ) Tj ET Q q 0 0 0 rg BT 481.45 469.70 Td (of ) Tj ET Q q 0 0 0 rg BT 493.03 469.70 Td (business ) Tj ET Q q 0 0 0 rg BT 530.17 469.70 Td (activity) Tj ET Q q 0 0 0 rg BT 559.51 469.70 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.70 Td (However) Tj ET Q q 0 0 0 rg BT 86.25 457.70 Td (, ) Tj ET Q q 0 0 0 rg BT 91.26 457.70 Td (net ) Tj ET Q q 0 0 0 rg BT 105.98 457.70 Td (char) Tj ET Q q 0 0 0 rg BT 123.01 457.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 143.93 457.70 Td (fs, ) Tj ET Q q 0 0 0 rg BT 156.15 457.70 Td (excluding ) Tj ET Q q 0 0 0 rg BT 198.10 457.70 Td (covered ) Tj ET Q q 0 0 0 rg BT 232.25 457.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 258.36 457.70 Td (decreased ) Tj ET Q q 0 0 0 rg BT 300.29 457.70 Td (to ) Tj ET Q q 0 0 0 rg BT 310.57 457.70 Td ($19.2 ) Tj ET Q q 0 0 0 rg BT 335.58 457.70 Td (million ) Tj ET Q q 0 0 0 rg BT 366.98 457.70 Td (in ) Tj ET Q q 0 0 0 rg BT 377.26 457.70 Td (2015 ) Tj ET Q q 0 0 0 rg BT 399.77 457.70 Td (from ) Tj ET Q q 0 0 0 rg BT 421.72 457.70 Td ($27.2 ) Tj ET Q q 0 0 0 rg BT 446.72 457.70 Td (million ) Tj ET Q q 0 0 0 rg BT 478.12 457.70 Td (in ) Tj ET Q q 0 0 0 rg BT 488.41 457.70 Td (2014. ) Tj ET Q q 0 0 0 rg BT 513.42 457.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 531.47 457.70 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.70 Td (of ) Tj ET Q q 0 0 0 rg BT 61.33 445.70 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 127.65 445.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 154.26 445.70 Td (excluding ) Tj ET Q q 0 0 0 rg BT 196.70 445.70 Td (covered ) Tj ET Q q 0 0 0 rg BT 231.34 445.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 257.95 445.70 Td (and ) Tj ET Q q 0 0 0 rg BT 275.39 445.70 Td (other ) Tj ET Q q 0 0 0 rg BT 298.94 445.70 Td (real ) Tj ET Q q 0 0 0 rg BT 316.93 445.70 Td (estate ) Tj ET Q q 0 0 0 rg BT 342.70 445.70 Td (owned ) Tj ET Q q 0 0 0 rg BT 372.36 445.70 Td (\(OREO\), ) Tj ET Q q 0 0 0 rg BT 420.62 445.70 Td (excluding ) Tj ET Q q 0 0 0 rg BT 463.05 445.70 Td (covered ) Tj ET Q q 0 0 0 rg BT 497.70 445.70 Td (other ) Tj ET Q q 0 0 0 rg BT 521.25 445.70 Td (real ) Tj ET Q q 0 0 0 rg BT 539.24 445.70 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.70 Td (owned, ) Tj ET Q q 0 0 0 rg BT 81.94 433.70 Td (was ) Tj ET Q q 0 0 0 rg BT 100.26 433.70 Td ($84.1 ) Tj ET Q q 0 0 0 rg BT 125.54 433.70 Td (million ) Tj ET Q q 0 0 0 rg BT 157.21 433.70 Td (and ) Tj ET Q q 0 0 0 rg BT 174.42 433.70 Td ($43.9 ) Tj ET Q q 0 0 0 rg BT 199.70 433.70 Td (million, ) Tj ET Q q 0 0 0 rg BT 233.86 433.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 281.53 433.70 Td (, ) Tj ET Q q 0 0 0 rg BT 286.80 433.70 Td (at ) Tj ET Q q 0 0 0 rg BT 296.79 433.70 Td (December31, ) Tj ET Q q 0 0 0 rg BT 355.65 433.70 Td (2015 ) Tj ET Q q 0 0 0 rg BT 378.43 433.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 420.63 433.70 Td (to ) Tj ET Q q 0 0 0 rg BT 431.18 433.70 Td ($78.7 ) Tj ET Q q 0 0 0 rg BT 456.46 433.70 Td (million ) Tj ET Q q 0 0 0 rg BT 488.13 433.70 Td (and ) Tj ET Q q 0 0 0 rg BT 505.34 433.70 Td ($45.6 ) Tj ET Q q 0 0 0 rg BT 530.62 433.70 Td (million, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 421.70 Td (, ) Tj ET Q q 0 0 0 rg BT 104.48 421.70 Td (at ) Tj ET Q q 0 0 0 rg BT 116.01 421.70 Td (December ) Tj ET Q q 0 0 0 rg BT 161.40 421.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 178.22 421.70 Td (2014. ) Tj ET Q q 0 0 0 rg BT 205.03 421.70 Td (Continued ) Tj ET Q q 0 0 0 rg BT 251.01 421.70 Td (weakness ) Tj ET Q q 0 0 0 rg BT 293.65 421.70 Td (or ) Tj ET Q q 0 0 0 rg BT 306.29 421.70 Td (resumed ) Tj ET Q q 0 0 0 rg BT 344.48 421.70 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 399.88 421.70 Td (in ) Tj ET Q q 0 0 0 rg BT 411.98 421.70 Td (the ) Tj ET Q q 0 0 0 rg BT 428.51 421.70 Td (economy) Tj ET Q q 0 0 0 rg BT 464.51 421.70 Td (, ) Tj ET Q q 0 0 0 rg BT 471.33 421.70 Td (real ) Tj ET Q q 0 0 0 rg BT 490.63 421.70 Td (estate ) Tj ET Q q 0 0 0 rg BT 517.70 421.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 553.67 421.70 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.70 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 112.82 409.70 Td (rates, ) Tj ET Q q 0 0 0 rg BT 137.03 409.70 Td (particularly ) Tj ET Q q 0 0 0 rg BT 185.95 409.70 Td (in ) Tj ET Q q 0 0 0 rg BT 196.56 409.70 Td (the ) Tj ET Q q 0 0 0 rg BT 211.61 409.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 246.10 409.70 Td (in ) Tj ET Q q 0 0 0 rg BT 256.71 409.70 Td (which ) Tj ET Q q 0 0 0 rg BT 283.98 409.70 Td (we ) Tj ET Q q 0 0 0 rg BT 298.47 409.70 Td (operate, ) Tj ET Q q 0 0 0 rg BT 333.23 409.70 Td (will ) Tj ET Q q 0 0 0 rg BT 351.62 409.70 Td (likely ) Tj ET Q q 0 0 0 rg BT 377.22 409.70 Td (diminish ) Tj ET Q q 0 0 0 rg BT 415.06 409.70 Td (the ) Tj ET Q q 0 0 0 rg BT 430.11 409.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 458.49 409.70 Td (of ) Tj ET Q q 0 0 0 rg BT 469.65 409.70 Td (our ) Tj ET Q q 0 0 0 rg BT 485.82 409.70 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 529.19 409.70 Td (to ) Tj ET Q q 0 0 0 rg BT 539.80 409.70 Td (repay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.33 397.70 Td (that ) Tj ET Q q 0 0 0 rg BT 90.54 397.70 Td (we ) Tj ET Q q 0 0 0 rg BT 104.43 397.70 Td (have ) Tj ET Q q 0 0 0 rg BT 125.52 397.70 Td (given ) Tj ET Q q 0 0 0 rg BT 149.96 397.70 Td (them, ) Tj ET Q q 0 0 0 rg BT 174.68 397.70 Td (the ) Tj ET Q q 0 0 0 rg BT 189.11 397.70 Td (value ) Tj ET Q q 0 0 0 rg BT 212.99 397.70 Td (of ) Tj ET Q q 0 0 0 rg BT 223.54 397.70 Td (any ) Tj ET Q q 0 0 0 rg BT 240.20 397.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 279.62 397.70 Td (securing ) Tj ET Q q 0 0 0 rg BT 315.72 397.70 Td (such ) Tj ET Q q 0 0 0 rg BT 336.27 397.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 359.60 397.70 Td (and ) Tj ET Q q 0 0 0 rg BT 376.25 397.70 Td (may ) Tj ET Q q 0 0 0 rg BT 395.69 397.70 Td (cause ) Tj ET Q q 0 0 0 rg BT 420.12 397.70 Td (increases ) Tj ET Q q 0 0 0 rg BT 458.99 397.70 Td (in ) Tj ET Q q 0 0 0 rg BT 468.99 397.70 Td (delinquencies, ) Tj ET Q q 0 0 0 rg BT 528.69 397.70 Td (problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.70 Td (assets, ) Tj ET Q q 0 0 0 rg BT 77.77 385.70 Td (char) Tj ET Q q 0 0 0 rg BT 94.80 385.70 Td (ge-of) Tj ET Q q 0 0 0 rg BT 115.72 385.70 Td (fs ) Tj ET Q q 0 0 0 rg BT 124.88 385.70 Td (and ) Tj ET Q q 0 0 0 rg BT 141.26 385.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 180.98 385.70 Td (for ) Tj ET Q q 0 0 0 rg BT 194.58 385.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 219.28 385.70 Td (losses, ) Tj ET Q q 0 0 0 rg BT 247.61 385.70 Td (all ) Tj ET Q q 0 0 0 rg BT 259.55 385.70 Td (of ) Tj ET Q q 0 0 0 rg BT 269.82 385.70 Td (which ) Tj ET Q q 0 0 0 rg BT 296.20 385.70 Td (could ) Tj ET Q q 0 0 0 rg BT 320.36 385.70 Td (materially ) Tj ET Q q 0 0 0 rg BT 362.84 385.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 403.09 385.70 Td (af) Tj ET Q q 0 0 0 rg BT 410.68 385.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 427.61 385.70 Td (our ) Tj ET Q q 0 0 0 rg BT 442.88 385.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 479.80 385.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 519.51 385.70 Td (and ) Tj ET Q q 0 0 0 rg BT 535.89 385.70 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.70 Td (of ) Tj ET Q q 0 0 0 rg BT 60.11 373.70 Td (operations. ) Tj ET Q q 0 0 0 rg BT 106.04 373.70 Td (Further) Tj ET Q q 0 0 0 rg BT 135.08 373.70 Td (, ) Tj ET Q q 0 0 0 rg BT 139.36 373.70 Td (the ) Tj ET Q q 0 0 0 rg BT 153.35 373.70 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 206.78 373.70 Td (and ) Tj ET Q q 0 0 0 rg BT 223.00 373.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 247.54 373.70 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 293.76 373.70 Td (policies ) Tj ET Q q 0 0 0 rg BT 326.64 373.70 Td (and ) Tj ET Q q 0 0 0 rg BT 342.86 373.70 Td (procedures ) Tj ET Q q 0 0 0 rg BT 388.50 373.70 Td (that ) Tj ET Q q 0 0 0 rg BT 405.27 373.70 Td (we ) Tj ET Q q 0 0 0 rg BT 418.71 373.70 Td (have ) Tj ET Q q 0 0 0 rg BT 439.37 373.70 Td (adopted ) Tj ET Q q 0 0 0 rg BT 472.80 373.70 Td (may ) Tj ET Q q 0 0 0 rg BT 491.79 373.70 Td (not ) Tj ET Q q 0 0 0 rg BT 506.35 373.70 Td (prevent ) Tj ET Q q 0 0 0 rg BT 538.11 373.70 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.70 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 361.70 Td (could ) Tj ET Q q 0 0 0 rg BT 92.21 361.70 Td (have ) Tj ET Q q 0 0 0 rg BT 113.59 361.70 Td (a ) Tj ET Q q 0 0 0 rg BT 120.53 361.70 Td (material ) Tj ET Q q 0 0 0 rg BT 155.79 361.70 Td (adverse ) Tj ET Q q 0 0 0 rg BT 188.82 361.70 Td (ef) Tj ET Q q 0 0 0 rg BT 196.41 361.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 213.90 361.70 Td (on ) Tj ET Q q 0 0 0 rg BT 226.40 361.70 Td (our ) Tj ET Q q 0 0 0 rg BT 242.23 361.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 281.12 361.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 318.60 361.70 Td (condition, ) Tj ET Q q 0 0 0 rg BT 361.37 361.70 Td (results ) Tj ET Q q 0 0 0 rg BT 389.98 361.70 Td (of ) Tj ET Q q 0 0 0 rg BT 400.81 361.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 444.97 361.70 Td (and ) Tj ET Q q 0 0 0 rg BT 461.90 361.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 482.17 361.70 Td (flows.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 340.70 Td (Since ) Tj ET Q q 0 0 0 rg BT 75.10 340.70 Td (our ) Tj ET Q q 0 0 0 rg BT 91.87 340.70 Td (business ) Tj ET Q q 0 0 0 rg BT 129.20 340.70 Td (is ) Tj ET Q q 0 0 0 rg BT 138.19 340.70 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 193.83 340.70 Td (in ) Tj ET Q q 0 0 0 rg BT 204.49 340.70 Td (the ) Tj ET Q q 0 0 0 rg BT 219.59 340.70 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 256.35 340.70 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 311.46 340.70 Td (and ) Tj ET Q q 0 0 0 rg BT 329.34 340.70 Td (southern ) Tj ET Q q 0 0 0 rg BT 368.17 340.70 Td (W) Tj ET Q q 0 0 0 rg BT 376.69 340.70 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 412.91 340.70 Td (market ) Tj ET Q q 0 0 0 rg BT 444.12 340.70 Td (areas, ) Tj ET Q q 0 0 0 rg BT 471.16 340.70 Td (further ) Tj ET Q q 0 0 0 rg BT 502.93 340.70 Td (declines ) Tj ET Q q 0 0 0 rg BT 538.57 340.70 Td (in ) Tj ET Q q 0 0 0 rg BT 549.23 340.70 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 328.70 Td (economy ) Tj ET Q q 0 0 0 rg BT 89.16 328.70 Td (of ) Tj ET Q q 0 0 0 rg BT 99.99 328.70 Td (this ) Tj ET Q q 0 0 0 rg BT 117.50 328.70 Td (region ) Tj ET Q q 0 0 0 rg BT 146.67 328.70 Td (could ) Tj ET Q q 0 0 0 rg BT 171.94 328.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 212.76 328.70 Td (af) Tj ET Q q 0 0 0 rg BT 220.91 328.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 238.39 328.70 Td (our ) Tj ET Q q 0 0 0 rg BT 255.35 328.70 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.70 Td (Except ) Tj ET Q q 0 0 0 rg BT 79.29 311.70 Td (for ) Tj ET Q q 0 0 0 rg BT 92.47 311.70 Td (our ) Tj ET Q q 0 0 0 rg BT 107.33 311.70 Td (premium ) Tj ET Q q 0 0 0 rg BT 144.96 311.70 Td (finance ) Tj ET Q q 0 0 0 rg BT 175.91 311.70 Td (business ) Tj ET Q q 0 0 0 rg BT 211.32 311.70 Td (and ) Tj ET Q q 0 0 0 rg BT 227.29 311.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 256.01 311.70 Td (other ) Tj ET Q q 0 0 0 rg BT 278.08 311.70 Td (niche ) Tj ET Q q 0 0 0 rg BT 301.26 311.70 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 347.51 311.70 Td (our ) Tj ET Q q 0 0 0 rg BT 362.37 311.70 Td (success ) Tj ET Q q 0 0 0 rg BT 393.88 311.70 Td (depends ) Tj ET Q q 0 0 0 rg BT 428.17 311.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 466.91 311.70 Td (on ) Tj ET Q q 0 0 0 rg BT 478.44 311.70 Td (the ) Tj ET Q q 0 0 0 rg BT 492.18 311.70 Td (general ) Tj ET Q q 0 0 0 rg BT 523.13 311.70 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 95.69 299.70 Td (of ) Tj ET Q q 0 0 0 rg BT 108.05 299.70 Td (the ) Tj ET Q q 0 0 0 rg BT 124.29 299.70 Td (specific ) Tj ET Q q 0 0 0 rg BT 159.42 299.70 Td (local ) Tj ET Q q 0 0 0 rg BT 182.88 299.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 218.56 299.70 Td (in ) Tj ET Q q 0 0 0 rg BT 230.36 299.70 Td (which ) Tj ET Q q 0 0 0 rg BT 258.83 299.70 Td (we ) Tj ET Q q 0 0 0 rg BT 274.52 299.70 Td (operate. ) Tj ET Q q 0 0 0 rg BT 310.47 299.70 Td (Unlike ) Tj ET Q q 0 0 0 rg BT 341.71 299.70 Td (lar) Tj ET Q q 0 0 0 rg BT 352.08 299.70 Td (ger ) Tj ET Q q 0 0 0 rg BT 368.88 299.70 Td (national ) Tj ET Q q 0 0 0 rg BT 405.11 299.70 Td (or ) Tj ET Q q 0 0 0 rg BT 417.47 299.70 Td (other ) Tj ET Q q 0 0 0 rg BT 442.05 299.70 Td (regional ) Tj ET Q q 0 0 0 rg BT 478.84 299.70 Td (banks ) Tj ET Q q 0 0 0 rg BT 506.19 299.70 Td (that ) Tj ET Q q 0 0 0 rg BT 525.22 299.70 Td (are ) Tj ET Q q 0 0 0 rg BT 541.45 299.70 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 287.70 Td (geographically ) Tj ET Q q 0 0 0 rg BT 112.54 287.70 Td (diversified, ) Tj ET Q q 0 0 0 rg BT 160.93 287.70 Td (we ) Tj ET Q q 0 0 0 rg BT 175.72 287.70 Td (provide ) Tj ET Q q 0 0 0 rg BT 209.39 287.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 244.73 287.70 Td (and ) Tj ET Q q 0 0 0 rg BT 262.29 287.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 300.40 287.70 Td (services ) Tj ET Q q 0 0 0 rg BT 335.73 287.70 Td (to ) Tj ET Q q 0 0 0 rg BT 346.64 287.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 390.31 287.70 Td (primarily ) Tj ET Q q 0 0 0 rg BT 430.64 287.70 Td (in ) Tj ET Q q 0 0 0 rg BT 441.55 287.70 Td (the ) Tj ET Q q 0 0 0 rg BT 456.89 287.70 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 493.34 287.70 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 547.56 287.70 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.70 Td (southern ) Tj ET Q q 0 0 0 rg BT 86.64 275.70 Td (W) Tj ET Q q 0 0 0 rg BT 95.68 275.70 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 130.84 275.70 Td (market ) Tj ET Q q 0 0 0 rg BT 160.98 275.70 Td (areas. ) Tj ET Q q 0 0 0 rg BT 186.22 275.70 Td (The ) Tj ET Q q 0 0 0 rg BT 204.14 275.70 Td (local ) Tj ET Q q 0 0 0 rg BT 225.95 275.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 267.20 275.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 311.25 275.70 Td (in ) Tj ET Q q 0 0 0 rg BT 321.40 275.70 Td (these ) Tj ET Q q 0 0 0 rg BT 344.32 275.70 Td (areas ) Tj ET Q q 0 0 0 rg BT 367.24 275.70 Td (significantly ) Tj ET Q q 0 0 0 rg BT 419.61 275.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 449.19 275.70 Td (the ) Tj ET Q q 0 0 0 rg BT 463.79 275.70 Td (demand ) Tj ET Q q 0 0 0 rg BT 497.82 275.70 Td (for ) Tj ET Q q 0 0 0 rg BT 511.86 275.70 Td (our ) Tj ET Q q 0 0 0 rg BT 527.56 275.70 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.70 Td (and ) Tj ET Q q 0 0 0 rg BT 67.23 263.70 Td (services ) Tj ET Q q 0 0 0 rg BT 102.22 263.70 Td (as ) Tj ET Q q 0 0 0 rg BT 113.34 263.70 Td (well ) Tj ET Q q 0 0 0 rg BT 133.34 263.70 Td (as ) Tj ET Q q 0 0 0 rg BT 144.46 263.70 Td (the ) Tj ET Q q 0 0 0 rg BT 159.46 263.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 187.80 263.70 Td (of ) Tj ET Q q 0 0 0 rg BT 198.92 263.70 Td (our ) Tj ET Q q 0 0 0 rg BT 215.04 263.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 258.37 263.70 Td (to ) Tj ET Q q 0 0 0 rg BT 268.93 263.70 Td (repay ) Tj ET Q q 0 0 0 rg BT 293.93 263.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 320.32 263.70 Td (the ) Tj ET Q q 0 0 0 rg BT 335.33 263.70 Td (value ) Tj ET Q q 0 0 0 rg BT 359.77 263.70 Td (of ) Tj ET Q q 0 0 0 rg BT 370.89 263.70 Td (the ) Tj ET Q q 0 0 0 rg BT 385.89 263.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 425.88 263.70 Td (securing ) Tj ET Q q 0 0 0 rg BT 462.54 263.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 486.44 263.70 Td (and ) Tj ET Q q 0 0 0 rg BT 503.66 263.70 Td (the ) Tj ET Q q 0 0 0 rg BT 518.67 263.70 Td (stability ) Tj ET Q q 0 0 0 rg BT 553.67 263.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.70 Td (our ) Tj ET Q q 0 0 0 rg BT 66.53 251.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 98.61 251.70 Td (funding ) Tj ET Q q 0 0 0 rg BT 132.91 251.70 Td (sources. ) Tj ET Q q 0 0 0 rg BT 168.60 251.70 Td (Specifically) Tj ET Q q 0 0 0 rg BT 215.71 251.70 Td (, ) Tj ET Q q 0 0 0 rg BT 221.40 251.70 Td (many ) Tj ET Q q 0 0 0 rg BT 246.82 251.70 Td (of ) Tj ET Q q 0 0 0 rg BT 258.34 251.70 Td (the ) Tj ET Q q 0 0 0 rg BT 273.75 251.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 298.06 251.70 Td (in ) Tj ET Q q 0 0 0 rg BT 309.03 251.70 Td (our ) Tj ET Q q 0 0 0 rg BT 325.56 251.70 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 363.75 251.70 Td (are ) Tj ET Q q 0 0 0 rg BT 379.15 251.70 Td (secured ) Tj ET Q q 0 0 0 rg BT 412.89 251.70 Td (by ) Tj ET Q q 0 0 0 rg BT 426.08 251.70 Td (real ) Tj ET Q q 0 0 0 rg BT 444.26 251.70 Td (estate ) Tj ET Q q 0 0 0 rg BT 470.22 251.70 Td (located ) Tj ET Q q 0 0 0 rg BT 502.29 251.70 Td (in ) Tj ET Q q 0 0 0 rg BT 513.26 251.70 Td (the ) Tj ET Q q 0 0 0 rg BT 528.68 251.70 Td (Chicago ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.70 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 102.90 239.70 Td (area. ) Tj ET Q q 0 0 0 rg BT 123.84 239.70 Td (Like ) Tj ET Q q 0 0 0 rg BT 143.97 239.70 Td (many ) Tj ET Q q 0 0 0 rg BT 167.98 239.70 Td (areas, ) Tj ET Q q 0 0 0 rg BT 192.82 239.70 Td (our ) Tj ET Q q 0 0 0 rg BT 207.95 239.70 Td (local ) Tj ET Q q 0 0 0 rg BT 229.18 239.70 Td (market ) Tj ET Q q 0 0 0 rg BT 258.75 239.70 Td (area ) Tj ET Q q 0 0 0 rg BT 277.19 239.70 Td (has ) Tj ET Q q 0 0 0 rg BT 292.32 239.70 Td (experienced ) Tj ET Q q 0 0 0 rg BT 342.42 239.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 386.43 239.70 Td (volatility ) Tj ET Q q 0 0 0 rg BT 424.34 239.70 Td (in ) Tj ET Q q 0 0 0 rg BT 433.92 239.70 Td (real ) Tj ET Q q 0 0 0 rg BT 450.70 239.70 Td (estate ) Tj ET Q q 0 0 0 rg BT 475.26 239.70 Td (values ) Tj ET Q q 0 0 0 rg BT 502.61 239.70 Td (in ) Tj ET Q q 0 0 0 rg BT 512.19 239.70 Td (recent ) Tj ET Q q 0 0 0 rg BT 538.41 239.70 Td (years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 227.70 Td (Further ) Tj ET Q q 0 0 0 rg BT 82.61 227.70 Td (declines ) Tj ET Q q 0 0 0 rg BT 118.54 227.70 Td (in ) Tj ET Q q 0 0 0 rg BT 129.48 227.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 171.52 227.70 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 218.86 227.70 Td (including ) Tj ET Q q 0 0 0 rg BT 259.80 227.70 Td (inflation, ) Tj ET Q q 0 0 0 rg BT 299.35 227.70 Td (recession, ) Tj ET Q q 0 0 0 rg BT 342.22 227.70 Td (unemployment, ) Tj ET Q q 0 0 0 rg BT 407.88 227.70 Td (changes ) Tj ET Q q 0 0 0 rg BT 443.26 227.70 Td (in ) Tj ET Q q 0 0 0 rg BT 454.20 227.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 495.13 227.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 529.96 227.70 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 227.70 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.70 Td (factors ) Tj ET Q q 0 0 0 rg BT 80.78 215.70 Td (impacting ) Tj ET Q q 0 0 0 rg BT 124.35 215.70 Td (these ) Tj ET Q q 0 0 0 rg BT 148.47 215.70 Td (local ) Tj ET Q q 0 0 0 rg BT 171.48 215.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 206.71 215.70 Td (could, ) Tj ET Q q 0 0 0 rg BT 235.00 215.70 Td (in ) Tj ET Q q 0 0 0 rg BT 246.36 215.70 Td (turn, ) Tj ET Q q 0 0 0 rg BT 268.54 215.70 Td (have ) Tj ET Q q 0 0 0 rg BT 290.99 215.70 Td (a ) Tj ET Q q 0 0 0 rg BT 299.01 215.70 Td (material ) Tj ET Q q 0 0 0 rg BT 335.34 215.70 Td (adverse ) Tj ET Q q 0 0 0 rg BT 369.46 215.70 Td (ef) Tj ET Q q 0 0 0 rg BT 377.04 215.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 395.60 215.70 Td (on ) Tj ET Q q 0 0 0 rg BT 409.18 215.70 Td (our ) Tj ET Q q 0 0 0 rg BT 426.09 215.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 464.64 215.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 505.99 215.70 Td (and ) Tj ET Q q 0 0 0 rg BT 524.01 215.70 Td (results ) Tj ET Q q 0 0 0 rg BT 553.69 215.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.70 Td (operations. ) Tj ET Q q 0 0 0 rg BT 96.72 203.70 Td ( ) Tj ET Q q 0 0 0 rg BT 99.29 203.70 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 155.17 203.70 Td (in ) Tj ET Q q 0 0 0 rg BT 165.52 203.70 Td (the ) Tj ET Q q 0 0 0 rg BT 180.30 203.70 Td (real ) Tj ET Q q 0 0 0 rg BT 197.86 203.70 Td (estate ) Tj ET Q q 0 0 0 rg BT 223.19 203.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 257.41 203.70 Td (where ) Tj ET Q q 0 0 0 rg BT 284.41 203.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 324.17 203.70 Td (for ) Tj ET Q q 0 0 0 rg BT 338.40 203.70 Td (our ) Tj ET Q q 0 0 0 rg BT 354.30 203.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 394.63 203.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 418.31 203.70 Td (is ) Tj ET Q q 0 0 0 rg BT 427.55 203.70 Td (located ) Tj ET Q q 0 0 0 rg BT 458.99 203.70 Td (could ) Tj ET Q q 0 0 0 rg BT 483.77 203.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 524.66 203.70 Td (af) Tj ET Q q 0 0 0 rg BT 532.25 203.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 549.80 203.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.70 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 94.84 191.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 122.90 191.70 Td (to ) Tj ET Q q 0 0 0 rg BT 133.17 191.70 Td (repay ) Tj ET Q q 0 0 0 rg BT 157.88 191.70 Td (the ) Tj ET Q q 0 0 0 rg BT 172.60 191.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 192.31 191.70 Td (and ) Tj ET Q q 0 0 0 rg BT 209.25 191.70 Td (the ) Tj ET Q q 0 0 0 rg BT 223.97 191.70 Td (value ) Tj ET Q q 0 0 0 rg BT 248.13 191.70 Td (of ) Tj ET Q q 0 0 0 rg BT 258.96 191.70 Td (the ) Tj ET Q q 0 0 0 rg BT 273.67 191.70 Td (collateral ) Tj ET Q q 0 0 0 rg BT 313.37 191.70 Td (securing ) Tj ET Q q 0 0 0 rg BT 349.75 191.70 Td (the ) Tj ET Q q 0 0 0 rg BT 364.46 191.70 Td (loan, ) Tj ET Q q 0 0 0 rg BT 386.68 191.70 Td (and ) Tj ET Q q 0 0 0 rg BT 403.62 191.70 Td (in ) Tj ET Q q 0 0 0 rg BT 413.90 191.70 Td (turn ) Tj ET Q q 0 0 0 rg BT 432.50 191.70 Td (the ) Tj ET Q q 0 0 0 rg BT 447.22 191.70 Td (value ) Tj ET Q q 0 0 0 rg BT 471.38 191.70 Td (of ) Tj ET Q q 0 0 0 rg BT 482.21 191.70 Td (our ) Tj ET Q q 0 0 0 rg BT 498.04 191.70 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 174.70 Td (In ) Tj ET Q q 0 0 0 rg BT 61.13 174.70 Td (addition, ) Tj ET Q q 0 0 0 rg BT 99.21 174.70 Td (the ) Tj ET Q q 0 0 0 rg BT 114.23 174.70 Td (State ) Tj ET Q q 0 0 0 rg BT 137.02 174.70 Td (of ) Tj ET Q q 0 0 0 rg BT 148.15 174.70 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 179.29 174.70 Td (has ) Tj ET Q q 0 0 0 rg BT 195.42 174.70 Td (experienced ) Tj ET Q q 0 0 0 rg BT 246.53 174.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 291.54 174.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 329.32 174.70 Td (dif) Tj ET Q q 0 0 0 rg BT 340.25 174.70 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 369.15 174.70 Td (and ) Tj ET Q q 0 0 0 rg BT 386.39 174.70 Td (is ) Tj ET Q q 0 0 0 rg BT 395.87 174.70 Td (facing ) Tj ET Q q 0 0 0 rg BT 423.65 174.70 Td (pension ) Tj ET Q q 0 0 0 rg BT 457.56 174.70 Td (funding ) Tj ET Q q 0 0 0 rg BT 491.47 174.70 Td (shortfalls. ) Tj ET Q q 0 0 0 rg BT 533.99 174.70 Td ( ) Tj ET Q q 0 0 0 rg BT 536.59 174.70 Td (T) Tj ET Q q 0 0 0 rg BT 542.00 174.70 Td (o ) Tj ET Q q 0 0 0 rg BT 549.80 174.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 162.70 Td (extent ) Tj ET Q q 0 0 0 rg BT 76.87 162.70 Td (that ) Tj ET Q q 0 0 0 rg BT 94.30 162.70 Td (these ) Tj ET Q q 0 0 0 rg BT 117.29 162.70 Td (issues ) Tj ET Q q 0 0 0 rg BT 143.61 162.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 173.26 162.70 Td (the ) Tj ET Q q 0 0 0 rg BT 187.92 162.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 229.22 162.70 Td (vitality ) Tj ET Q q 0 0 0 rg BT 259.99 162.70 Td (of ) Tj ET Q q 0 0 0 rg BT 270.76 162.70 Td (the ) Tj ET Q q 0 0 0 rg BT 285.41 162.70 Td (state ) Tj ET Q q 0 0 0 rg BT 306.17 162.70 Td (and ) Tj ET Q q 0 0 0 rg BT 323.05 162.70 Td (the ) Tj ET Q q 0 0 0 rg BT 337.70 162.70 Td (businesses ) Tj ET Q q 0 0 0 rg BT 382.36 162.70 Td (operating ) Tj ET Q q 0 0 0 rg BT 422.56 162.70 Td (in ) Tj ET Q q 0 0 0 rg BT 432.77 162.70 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 466.04 162.70 Td (encourage ) Tj ET Q q 0 0 0 rg BT 509.57 162.70 Td (businesses ) Tj ET Q q 0 0 0 rg BT 554.22 162.70 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 150.70 Td (leave ) Tj ET Q q 0 0 0 rg BT 73.54 150.70 Td (the ) Tj ET Q q 0 0 0 rg BT 88.20 150.70 Td (state ) Tj ET Q q 0 0 0 rg BT 108.96 150.70 Td (or ) Tj ET Q q 0 0 0 rg BT 119.74 150.70 Td (discourage ) Tj ET Q q 0 0 0 rg BT 165.50 150.70 Td (new ) Tj ET Q q 0 0 0 rg BT 184.60 150.70 Td (employers ) Tj ET Q q 0 0 0 rg BT 228.70 150.70 Td (to ) Tj ET Q q 0 0 0 rg BT 238.92 150.70 Td (start ) Tj ET Q q 0 0 0 rg BT 258.58 150.70 Td (or ) Tj ET Q q 0 0 0 rg BT 269.35 150.70 Td (move ) Tj ET Q q 0 0 0 rg BT 294.01 150.70 Td (businesses ) Tj ET Q q 0 0 0 rg BT 338.67 150.70 Td (to ) Tj ET Q q 0 0 0 rg BT 348.90 150.70 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 382.17 150.70 Td (it ) Tj ET Q q 0 0 0 rg BT 390.17 150.70 Td (could ) Tj ET Q q 0 0 0 rg BT 414.83 150.70 Td (have ) Tj ET Q q 0 0 0 rg BT 436.15 150.70 Td (a ) Tj ET Q q 0 0 0 rg BT 443.03 150.70 Td (material ) Tj ET Q q 0 0 0 rg BT 478.24 150.70 Td (adverse ) Tj ET Q q 0 0 0 rg BT 511.22 150.70 Td (ef) Tj ET Q q 0 0 0 rg BT 518.80 150.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 536.23 150.70 Td (on ) Tj ET Q q 0 0 0 rg BT 548.67 150.70 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 138.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 138.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 127.75 138.70 Td (and ) Tj ET Q q 0 0 0 rg BT 144.69 138.70 Td (results ) Tj ET Q q 0 0 0 rg BT 173.30 138.70 Td (of ) Tj ET Q q 0 0 0 rg BT 184.13 138.70 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 117.70 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 52.25 117.70 Td (If ) Tj ET Q q 0 0 0 rg BT 61.73 117.70 Td (our ) Tj ET Q q 0 0 0 rg BT 78.44 117.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 122.36 117.70 Td (for ) Tj ET Q q 0 0 0 rg BT 136.84 117.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 157.43 117.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 183.58 117.70 Td (is ) Tj ET Q q 0 0 0 rg BT 192.50 117.70 Td (not ) Tj ET Q q 0 0 0 rg BT 208.10 117.70 Td (suf) Tj ET Q q 0 0 0 rg BT 220.70 117.70 Td (ficient ) Tj ET Q q 0 0 0 rg BT 249.06 117.70 Td (to ) Tj ET Q q 0 0 0 rg BT 259.09 117.70 Td (absorb ) Tj ET Q q 0 0 0 rg BT 289.13 117.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 315.28 117.70 Td (that ) Tj ET Q q 0 0 0 rg BT 333.65 117.70 Td (may ) Tj ET Q q 0 0 0 rg BT 353.12 117.70 Td (occur ) Tj ET Q q 0 0 0 rg BT 378.71 117.70 Td (in ) Tj ET Q q 0 0 0 rg BT 389.30 117.70 Td (our ) Tj ET Q q 0 0 0 rg BT 406.01 117.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 426.60 117.70 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 466.91 117.70 Td (our ) Tj ET Q q 0 0 0 rg BT 483.62 117.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 523.10 117.70 Td (condition ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 105.70 Td (and ) Tj ET Q q 0 0 0 rg BT 68.06 105.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 104.45 105.70 Td (could ) Tj ET Q q 0 0 0 rg BT 129.73 105.70 Td (suf) Tj ET Q q 0 0 0 rg BT 142.33 105.70 Td (fer) Tj ET Q q 0 0 0 rg BT 153.44 105.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 88.70 Td (e ) Tj ET Q q 0 0 0 rg BT 65.58 88.70 Td (maintain ) Tj ET Q q 0 0 0 rg BT 103.08 88.70 Td (an ) Tj ET Q q 0 0 0 rg BT 115.03 88.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 158.07 88.70 Td (for ) Tj ET Q q 0 0 0 rg BT 172.23 88.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 191.96 88.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 218.36 88.70 Td (that ) Tj ET Q q 0 0 0 rg BT 235.86 88.70 Td (is ) Tj ET Q q 0 0 0 rg BT 245.04 88.70 Td (intended ) Tj ET Q q 0 0 0 rg BT 281.98 88.70 Td (to ) Tj ET Q q 0 0 0 rg BT 292.26 88.70 Td (absorb ) Tj ET Q q 0 0 0 rg BT 321.43 88.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 346.70 88.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 373.10 88.70 Td (that ) Tj ET Q q 0 0 0 rg BT 390.60 88.70 Td (we ) Tj ET Q q 0 0 0 rg BT 404.77 88.70 Td (expect ) Tj ET Q q 0 0 0 rg BT 433.37 88.70 Td (to ) Tj ET Q q 0 0 0 rg BT 443.66 88.70 Td (incur ) Tj ET Q q 0 0 0 rg BT 466.71 88.70 Td (in ) Tj ET Q q 0 0 0 rg BT 477.00 88.70 Td (our ) Tj ET Q q 0 0 0 rg BT 492.83 88.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 512.56 88.70 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 552.01 88.70 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.70 Td (each ) Tj ET Q q 0 0 0 rg BT 70.13 76.70 Td (balance ) Tj ET Q q 0 0 0 rg BT 102.49 76.70 Td (sheet ) Tj ET Q q 0 0 0 rg BT 124.85 76.70 Td (date, ) Tj ET Q q 0 0 0 rg BT 145.83 76.70 Td (our ) Tj ET Q q 0 0 0 rg BT 160.97 76.70 Td (management ) Tj ET Q q 0 0 0 rg BT 213.88 76.70 Td (determines ) Tj ET Q q 0 0 0 rg BT 259.57 76.70 Td (the ) Tj ET Q q 0 0 0 rg BT 273.61 76.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 305.42 76.70 Td (of ) Tj ET Q q 0 0 0 rg BT 315.57 76.70 Td (the ) Tj ET Q q 0 0 0 rg BT 329.61 76.70 Td (allowance ) Tj ET Q q 0 0 0 rg BT 371.96 76.70 Td (for ) Tj ET Q q 0 0 0 rg BT 385.44 76.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 404.47 76.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 430.18 76.70 Td (based ) Tj ET Q q 0 0 0 rg BT 454.77 76.70 Td (on ) Tj ET Q q 0 0 0 rg BT 466.59 76.70 Td (our ) Tj ET Q q 0 0 0 rg BT 481.74 76.70 Td (estimate ) Tj ET Q q 0 0 0 rg BT 516.88 76.70 Td (of ) Tj ET Q q 0 0 0 rg BT 527.03 76.70 Td (probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.70 Td (and ) Tj ET Q q 0 0 0 rg BT 67.57 64.70 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 114.01 64.70 Td (estimable ) Tj ET Q q 0 0 0 rg BT 155.46 64.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 182.48 64.70 Td (in ) Tj ET Q q 0 0 0 rg BT 193.39 64.70 Td (our ) Tj ET Q q 0 0 0 rg BT 209.85 64.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 230.19 64.70 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 270.82 64.70 Td (taking ) Tj ET Q q 0 0 0 rg BT 298.94 64.70 Td (into ) Tj ET Q q 0 0 0 rg BT 317.63 64.70 Td (account ) Tj ET Q q 0 0 0 rg BT 351.85 64.70 Td (probable ) Tj ET Q q 0 0 0 rg BT 389.96 64.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 416.98 64.70 Td (that ) Tj ET Q q 0 0 0 rg BT 435.11 64.70 Td (have ) Tj ET Q q 0 0 0 rg BT 457.11 64.70 Td (been ) Tj ET Q q 0 0 0 rg BT 479.12 64.70 Td (identified ) Tj ET Q q 0 0 0 rg BT 520.57 64.70 Td (relating ) Tj ET Q q 0 0 0 rg BT 554.24 64.70 Td (to ) Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (23) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 84.38 742.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 129.32 742.10 Td (relationships, ) Tj ET Q q 0 0 0 rg BT 186.21 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 197.82 742.10 Td (well ) Tj ET Q q 0 0 0 rg BT 218.32 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 229.93 742.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 268.20 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 295.37 742.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 331.42 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.48 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.98 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 378.48 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 416.76 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.48 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 460.52 742.10 Td (undertakings ) Tj ET Q q 0 0 0 rg BT 515.46 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 533.74 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.23 742.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (specifically ) Tj ET Q q 0 0 0 rg BT 98.59 730.10 Td (identified.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 713.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 85.63 713.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.27 713.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 144.12 713.10 Td (for ) Tj ET Q q 0 0 0 rg BT 158.09 713.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 177.62 713.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 203.83 713.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 246.68 713.10 Td (an ) Tj ET Q q 0 0 0 rg BT 258.43 713.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 294.06 713.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.71 713.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 342.01 713.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 370.71 713.10 Td (there ) Tj ET Q q 0 0 0 rg BT 393.01 713.10 Td (is ) Tj ET Q q 0 0 0 rg BT 401.99 713.10 Td (no ) Tj ET Q q 0 0 0 rg BT 414.31 713.10 Td (certainty ) Tj ET Q q 0 0 0 rg BT 451.60 713.10 Td (that ) Tj ET Q q 0 0 0 rg BT 468.91 713.10 Td (it ) Tj ET Q q 0 0 0 rg BT 476.78 713.10 Td (will ) Tj ET Q q 0 0 0 rg BT 494.65 713.10 Td (be ) Tj ET Q q 0 0 0 rg BT 506.40 713.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 544.25 713.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 701.10 Td (time ) Tj ET Q q 0 0 0 rg BT 69.90 701.10 Td (to ) Tj ET Q q 0 0 0 rg BT 79.80 701.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 104.13 701.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 129.01 701.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 155.03 701.10 Td (in ) Tj ET Q q 0 0 0 rg BT 164.93 701.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.27 701.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 218.89 701.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 267.10 701.10 Td (if ) Tj ET Q q 0 0 0 rg BT 275.33 701.10 Td (there ) Tj ET Q q 0 0 0 rg BT 297.44 701.10 Td (is ) Tj ET Q q 0 0 0 rg BT 306.23 701.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 359.45 701.10 Td (in ) Tj ET Q q 0 0 0 rg BT 369.35 701.10 Td (general ) Tj ET Q q 0 0 0 rg BT 400.89 701.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 441.89 701.10 Td (or ) Tj ET Q q 0 0 0 rg BT 452.34 701.10 Td (market ) Tj ET Q q 0 0 0 rg BT 482.23 701.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 526.02 701.10 Td (or ) Tj ET Q q 0 0 0 rg BT 536.47 701.10 Td (events ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 689.10 Td (that ) Tj ET Q q 0 0 0 rg BT 66.53 689.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 106.39 689.10 Td (af) Tj ET Q q 0 0 0 rg BT 113.98 689.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 130.50 689.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 163.14 689.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 207.72 689.10 Td (In ) Tj ET Q q 0 0 0 rg BT 217.59 689.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 241.63 689.10 Td (we ) Tj ET Q q 0 0 0 rg BT 254.83 689.10 Td (char) Tj ET Q q 0 0 0 rg BT 271.86 689.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 287.84 689.10 Td (of) Tj ET Q q 0 0 0 rg BT 295.98 689.10 Td (f ) Tj ET Q q 0 0 0 rg BT 300.85 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 302.39 689.10 Td ($19.2 ) Tj ET Q q 0 0 0 rg BT 326.43 689.10 Td (million ) Tj ET Q q 0 0 0 rg BT 356.86 689.10 Td (in ) Tj ET Q q 0 0 0 rg BT 366.18 689.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 391.33 689.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 432.30 689.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 465.49 689.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 490.64 689.10 Td (\(net ) Tj ET Q q 0 0 0 rg BT 507.72 689.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.59 689.10 Td (recoveries\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.52 677.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 106.36 677.10 Td (our ) Tj ET Q q 0 0 0 rg BT 121.77 677.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 164.38 677.10 Td (for ) Tj ET Q q 0 0 0 rg BT 178.12 677.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.42 677.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 225.89 677.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 267.41 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.71 677.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 324.32 677.10 Td (for ) Tj ET Q q 0 0 0 rg BT 338.06 677.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 371.79 677.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 397.48 677.10 Td (from ) Tj ET Q q 0 0 0 rg BT 419.00 677.10 Td ($91.7 ) Tj ET Q q 0 0 0 rg BT 443.58 677.10 Td (million ) Tj ET Q q 0 0 0 rg BT 474.55 677.10 Td (at ) Tj ET Q q 0 0 0 rg BT 483.85 677.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.02 677.10 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.65 665.10 Td ($105.4 ) Tj ET Q q 0 0 0 rg BT 91.02 665.10 Td (million ) Tj ET Q q 0 0 0 rg BT 122.79 665.10 Td (at ) Tj ET Q q 0 0 0 rg BT 132.88 665.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 191.83 665.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 217.00 665.10 Td (The ) Tj ET Q q 0 0 0 rg BT 235.42 665.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 271.04 665.10 Td (in ) Tj ET Q q 0 0 0 rg BT 281.69 665.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 325.10 665.10 Td (in ) Tj ET Q q 0 0 0 rg BT 335.75 665.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 358.62 665.10 Td (was ) Tj ET Q q 0 0 0 rg BT 377.05 665.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 417.13 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.22 665.10 Td (result ) Tj ET Q q 0 0 0 rg BT 457.31 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 468.51 665.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 513.60 665.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 533.69 665.10 Td (growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.10 Td (during ) Tj ET Q q 0 0 0 rg BT 79.39 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.89 653.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 126.22 653.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 145.06 653.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 188.87 653.10 Td (for ) Tj ET Q q 0 0 0 rg BT 203.82 653.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 224.32 653.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 253.99 653.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 296.71 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.21 653.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 356.03 653.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.97 653.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 405.90 653.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 432.79 653.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 476.61 653.10 Td (0.62% ) Tj ET Q q 0 0 0 rg BT 505.73 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.34 653.10 Td (total ) Tj ET Q q 0 0 0 rg BT 538.40 653.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 91.93 641.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 126.08 641.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 149.69 641.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 198.85 641.10 Td (at ) Tj ET Q q 0 0 0 rg BT 208.57 641.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 267.15 641.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 292.15 641.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 334.08 641.10 Td (to ) Tj ET Q q 0 0 0 rg BT 344.36 641.10 Td (0.64% ) Tj ET Q q 0 0 0 rg BT 372.69 641.10 Td (at ) Tj ET Q q 0 0 0 rg BT 382.40 641.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 440.99 641.10 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 624.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 89.86 624.10 Td (we ) Tj ET Q q 0 0 0 rg BT 103.61 624.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 134.57 624.10 Td (our ) Tj ET Q q 0 0 0 rg BT 149.99 624.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 169.29 624.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 186.94 624.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 229.56 624.10 Td (is ) Tj ET Q q 0 0 0 rg BT 238.31 624.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 275.93 624.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.80 624.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 314.54 624.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 351.61 624.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.14 624.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 413.54 624.10 Td (estimable ) Tj ET Q q 0 0 0 rg BT 453.95 624.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 479.93 624.10 Td (in ) Tj ET Q q 0 0 0 rg BT 489.79 624.10 Td (our ) Tj ET Q q 0 0 0 rg BT 505.21 624.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 524.51 624.10 Td (portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 612.10 Td (if ) Tj ET Q q 0 0 0 rg BT 58.27 612.10 Td (our ) Tj ET Q q 0 0 0 rg BT 73.76 612.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 113.13 612.10 Td (are ) Tj ET Q q 0 0 0 rg BT 127.50 612.10 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 170.73 612.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.33 612.10 Td (our ) Tj ET Q q 0 0 0 rg BT 202.82 612.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 228.85 612.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 248.23 612.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 274.28 612.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 304.20 612.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.57 612.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 350.73 612.10 Td (that ) Tj ET Q q 0 0 0 rg BT 367.88 612.10 Td (is ) Tj ET Q q 0 0 0 rg BT 376.71 612.10 Td (anticipated, ) Tj ET Q q 0 0 0 rg BT 425.24 612.10 Td ( ) Tj ET Q q 0 0 0 rg BT 427.40 612.10 Td (or ) Tj ET Q q 0 0 0 rg BT 437.89 612.10 Td (if ) Tj ET Q q 0 0 0 rg BT 446.16 612.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.53 612.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 478.25 612.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 529.86 612.10 Td (we ) Tj ET Q q 0 0 0 rg BT 543.68 612.10 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.63 600.10 Td (calculating ) Tj ET Q q 0 0 0 rg BT 105.36 600.10 Td (our ) Tj ET Q q 0 0 0 rg BT 120.54 600.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 155.16 600.10 Td (are ) Tj ET Q q 0 0 0 rg BT 169.22 600.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 221.06 600.10 Td (dif) Tj ET Q q 0 0 0 rg BT 231.99 600.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 257.16 600.10 Td (from ) Tj ET Q q 0 0 0 rg BT 278.46 600.10 Td (those ) Tj ET Q q 0 0 0 rg BT 301.42 600.10 Td (we ) Tj ET Q q 0 0 0 rg BT 314.94 600.10 Td (actually ) Tj ET Q q 0 0 0 rg BT 348.44 600.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 396.10 600.10 Td (our ) Tj ET Q q 0 0 0 rg BT 411.28 600.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 448.12 600.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 487.75 600.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.04 600.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 539.79 600.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 588.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.94 588.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 104.98 588.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 145.79 588.10 Td (af) Tj ET Q q 0 0 0 rg BT 153.38 588.10 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (For ) Tj ET Q q 0 0 0 rg BT 67.56 571.10 Td (more ) Tj ET Q q 0 0 0 rg BT 91.77 571.10 Td (information ) Tj ET Q q 0 0 0 rg BT 142.65 571.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 184.63 571.10 Td (our ) Tj ET Q q 0 0 0 rg BT 201.63 571.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 245.82 571.10 Td (for ) Tj ET Q q 0 0 0 rg BT 261.15 571.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 282.03 571.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 312.09 571.10 Td (see ) Tj ET Q q 0 0 0 rg BT 328.53 571.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 357.18 571.10 Td (Portfolio ) Tj ET Q q 0 0 0 rg BT 396.40 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.69 571.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 439.58 571.10 Td (Quality ) Tj ET Q q 0 0 0 rg BT 477.68 571.10 Td (under ) Tj ET Q q 0 0 0 rg BT 504.12 571.10 Td (Management's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 96.39 559.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.78 559.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 150.28 559.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.11 559.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 200.82 559.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 243.33 559.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.26 559.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 292.21 559.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.04 559.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 349.42 559.10 Td (in ) Tj ET Q q 0 0 0 rg BT 359.70 559.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 380.52 559.10 Td (7.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.12 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.08 538.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 103.94 538.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 135.91 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.20 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 162.61 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 182.91 538.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 220.43 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 229.06 538.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 273.23 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.53 538.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 333.81 538.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 360.50 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.24 538.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 420.52 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.81 538.10 Td (which ) Tj ET Q q 0 0 0 rg BT 457.78 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 466.41 538.10 Td (largely ) Tj ET Q q 0 0 0 rg BT 496.70 538.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 540.88 538.10 Td (upon ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.28 526.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 105.00 526.10 Td (success ) Tj ET Q q 0 0 0 rg BT 138.06 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.12 526.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 198.05 526.10 Td (viability ) Tj ET Q q 0 0 0 rg BT 233.32 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.15 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.43 526.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 296.66 526.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 509.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.54 509.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 113.74 509.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.06 509.10 Td (our ) Tj ET Q q 0 0 0 rg BT 141.39 509.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 191.58 509.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 215.68 509.10 Td (is ) Tj ET Q q 0 0 0 rg BT 225.35 509.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 269.44 509.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 292.43 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.64 509.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 345.62 509.10 Td (success ) Tj ET Q q 0 0 0 rg BT 378.60 509.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.03 509.10 Td (viability ) Tj ET Q q 0 0 0 rg BT 432.36 509.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.68 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.90 509.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 494.99 509.10 Td (. ) Tj ET Q q 0 0 0 rg BT 500.49 509.10 Td (If ) Tj ET Q q 0 0 0 rg BT 510.14 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.35 509.10 Td (economy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 497.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 83.32 497.10 Td (weak ) Tj ET Q q 0 0 0 rg BT 106.09 497.10 Td (for ) Tj ET Q q 0 0 0 rg BT 119.41 497.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.52 497.10 Td (prolonged ) Tj ET Q q 0 0 0 rg BT 167.73 497.10 Td (period ) Tj ET Q q 0 0 0 rg BT 194.95 497.10 Td (or ) Tj ET Q q 0 0 0 rg BT 204.94 497.10 Td (experiences ) Tj ET Q q 0 0 0 rg BT 253.80 497.10 Td (further ) Tj ET Q q 0 0 0 rg BT 282.67 497.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 335.43 497.10 Td (or ) Tj ET Q q 0 0 0 rg BT 345.43 497.10 Td (if ) Tj ET Q q 0 0 0 rg BT 353.20 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.08 497.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 401.53 497.10 Td (or ) Tj ET Q q 0 0 0 rg BT 411.53 497.10 Td (market ) Tj ET Q q 0 0 0 rg BT 440.96 497.10 Td (in ) Tj ET Q q 0 0 0 rg BT 450.40 497.10 Td (which ) Tj ET Q q 0 0 0 rg BT 476.51 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.39 497.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 528.71 497.10 Td (operates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 485.10 Td (weakens, ) Tj ET Q q 0 0 0 rg BT 89.69 485.10 Td (our ) Tj ET Q q 0 0 0 rg BT 105.78 485.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 149.08 485.10 Td (may ) Tj ET Q q 0 0 0 rg BT 169.06 485.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 215.12 485.10 Td (depressed ) Tj ET Q q 0 0 0 rg BT 257.31 485.10 Td (or ) Tj ET Q q 0 0 0 rg BT 268.40 485.10 Td (dramatic ) Tj ET Q q 0 0 0 rg BT 306.14 485.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.34 485.10 Td (sudden ) Tj ET Q q 0 0 0 rg BT 354.43 485.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 395.49 485.10 Td (in ) Tj ET Q q 0 0 0 rg BT 406.03 485.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 444.33 485.10 Td (that ) Tj ET Q q 0 0 0 rg BT 462.09 485.10 Td (could ) Tj ET Q q 0 0 0 rg BT 487.06 485.10 Td (hinder ) Tj ET Q q 0 0 0 rg BT 515.37 485.10 Td (their ) Tj ET Q q 0 0 0 rg BT 536.46 485.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.16 473.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 84.76 473.10 Td (their ) Tj ET Q q 0 0 0 rg BT 105.47 473.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 131.46 473.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 149.40 473.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 198.98 473.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 218.58 473.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 255.96 473.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 285.56 473.10 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 305.44 473.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 333.94 473.10 Td (or ) Tj ET Q q 0 0 0 rg BT 344.66 473.10 Td (27% ) Tj ET Q q 0 0 0 rg BT 365.37 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.09 473.10 Td (our ) Tj ET Q q 0 0 0 rg BT 391.80 473.10 Td (total ) Tj ET Q q 0 0 0 rg BT 411.96 473.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 431.56 473.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 471.45 473.10 Td (at ) Tj ET Q q 0 0 0 rg BT 481.05 473.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.52 473.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.92 461.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.20 461.10 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 122.20 461.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 153.32 461.10 Td (or ) Tj ET Q q 0 0 0 rg BT 164.15 461.10 Td (26% ) Tj ET Q q 0 0 0 rg BT 184.98 461.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.81 461.10 Td (our ) Tj ET Q q 0 0 0 rg BT 211.64 461.10 Td (total ) Tj ET Q q 0 0 0 rg BT 231.91 461.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 251.63 461.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 291.62 461.10 Td (at ) Tj ET Q q 0 0 0 rg BT 301.34 461.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 359.92 461.10 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 102.71 444.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 127.09 444.10 Td (are ) Tj ET Q q 0 0 0 rg BT 142.57 444.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 176.39 444.10 Td (by ) Tj ET Q q 0 0 0 rg BT 189.66 444.10 Td (dif) Tj ET Q q 0 0 0 rg BT 200.59 444.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 227.18 444.10 Td (types ) Tj ET Q q 0 0 0 rg BT 251.57 444.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.17 444.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 303.65 444.10 Td (related ) Tj ET Q q 0 0 0 rg BT 334.13 444.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.18 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.67 444.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 407.28 444.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 446.94 444.10 Td (such ) Tj ET Q q 0 0 0 rg BT 468.55 444.10 Td (as ) Tj ET Q q 0 0 0 rg BT 480.16 444.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 518.42 444.10 Td (receivable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 432.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 90.72 432.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.55 432.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 154.66 432.10 Td (Should ) Tj ET Q q 0 0 0 rg BT 185.40 432.10 Td (a ) Tj ET Q q 0 0 0 rg BT 192.23 432.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 241.82 432.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 261.43 432.10 Td (require ) Tj ET Q q 0 0 0 rg BT 292.14 432.10 Td (us ) Tj ET Q q 0 0 0 rg BT 303.43 432.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.60 432.10 Td (foreclose ) Tj ET Q q 0 0 0 rg BT 352.64 432.10 Td (on ) Tj ET Q q 0 0 0 rg BT 365.04 432.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.65 432.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 425.37 432.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 467.46 432.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.08 432.10 Td (unique ) Tj ET Q q 0 0 0 rg BT 511.69 432.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 539.07 432.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 432.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 420.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 88.99 420.10 Td (may ) Tj ET Q q 0 0 0 rg BT 108.00 420.10 Td (make ) Tj ET Q q 0 0 0 rg BT 131.45 420.10 Td (it ) Tj ET Q q 0 0 0 rg BT 138.79 420.10 Td (more ) Tj ET Q q 0 0 0 rg BT 161.13 420.10 Td (dif) Tj ET Q q 0 0 0 rg BT 172.06 420.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 194.96 420.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.19 420.10 Td (costly ) Tj ET Q q 0 0 0 rg BT 236.87 420.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.44 420.10 Td (liquidate, ) Tj ET Q q 0 0 0 rg BT 285.72 420.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 317.50 420.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 360.38 420.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.39 420.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 391.18 420.10 Td (to ) Tj ET Q q 0 0 0 rg BT 400.75 420.10 Td (us ) Tj ET Q q 0 0 0 rg BT 411.44 420.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.56 420.10 Td (not ) Tj ET Q q 0 0 0 rg BT 436.13 420.10 Td (recovering ) Tj ET Q q 0 0 0 rg BT 480.67 420.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.68 420.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 532.02 420.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 408.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.89 408.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.67 408.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 94.60 408.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 143.93 408.10 Td (, ) Tj ET Q q 0 0 0 rg BT 147.99 408.10 Td (our ) Tj ET Q q 0 0 0 rg BT 162.88 408.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 200.83 408.10 Td (results ) Tj ET Q q 0 0 0 rg BT 228.50 408.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.39 408.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 281.60 408.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.60 408.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 334.14 408.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 373.47 408.10 Td (may ) Tj ET Q q 0 0 0 rg BT 392.25 408.10 Td (be ) Tj ET Q q 0 0 0 rg BT 403.25 408.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 445.34 408.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 485.22 408.10 Td (af) Tj ET Q q 0 0 0 rg BT 492.80 408.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 518.79 408.10 Td (by ) Tj ET Q q 0 0 0 rg BT 530.35 408.10 Td (defaults ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 396.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 396.10 Td (this ) Tj ET Q q 0 0 0 rg BT 77.23 396.10 Td (portfolio.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 375.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.12 375.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.65 375.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 106.20 375.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 138.74 375.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.60 375.10 Td (our ) Tj ET Q q 0 0 0 rg BT 166.58 375.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 187.46 375.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 225.54 375.10 Td (is ) Tj ET Q q 0 0 0 rg BT 234.74 375.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 268.93 375.10 Td (by ) Tj ET Q q 0 0 0 rg BT 280.90 375.10 Td (real ) Tj ET Q q 0 0 0 rg BT 299.54 375.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 327.90 375.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.77 375.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 382.42 375.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 433.27 375.10 Td (real ) Tj ET Q q 0 0 0 rg BT 451.91 375.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 480.26 375.10 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 538.35 375.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.22 375.10 Td (the ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 363.10 Td (real ) Tj ET Q q 0 0 0 rg BT 68.58 363.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 94.37 363.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 129.62 363.10 Td (could ) Tj ET Q q 0 0 0 rg BT 154.87 363.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 174.56 363.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.80 363.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 228.95 363.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 257.81 363.10 Td (which ) Tj ET Q q 0 0 0 rg BT 285.29 363.10 Td (could ) Tj ET Q q 0 0 0 rg BT 310.54 363.10 Td (have ) Tj ET Q q 0 0 0 rg BT 332.45 363.10 Td (a ) Tj ET Q q 0 0 0 rg BT 339.92 363.10 Td (material ) Tj ET Q q 0 0 0 rg BT 376.83 363.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 410.40 363.10 Td (ef) Tj ET Q q 0 0 0 rg BT 417.98 363.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 435.44 363.10 Td (on ) Tj ET Q q 0 0 0 rg BT 448.47 363.10 Td (our ) Tj ET Q q 0 0 0 rg BT 465.39 363.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 505.09 363.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 546.46 363.10 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 351.10 Td (results ) Tj ET Q q 0 0 0 rg BT 79.73 351.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.56 351.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.69 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 74.60 334.10 Td (both ) Tj ET Q q 0 0 0 rg BT 94.96 334.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 153.62 334.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 176.20 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.22 334.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 218.30 334.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 278.64 334.10 Td (43% ) Tj ET Q q 0 0 0 rg BT 299.55 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.46 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 326.37 334.10 Td (total ) Tj ET Q q 0 0 0 rg BT 346.72 334.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 366.52 334.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 404.09 334.10 Td (was ) Tj ET Q q 0 0 0 rg BT 422.22 334.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 455.34 334.10 Td (by ) Tj ET Q q 0 0 0 rg BT 467.92 334.10 Td (real ) Tj ET Q q 0 0 0 rg BT 485.49 334.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 513.33 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.13 334.10 Td (majority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.66 322.10 Td (which ) Tj ET Q q 0 0 0 rg BT 85.43 322.10 Td (is ) Tj ET Q q 0 0 0 rg BT 93.43 322.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 141.96 322.10 Td (real ) Tj ET Q q 0 0 0 rg BT 158.28 322.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 184.78 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 201.66 322.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 250.19 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.96 322.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 308.94 322.10 Td (real ) Tj ET Q q 0 0 0 rg BT 325.26 322.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 349.35 322.10 Td (market ) Tj ET Q q 0 0 0 rg BT 378.45 322.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 418.11 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.22 322.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 471.85 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 477.62 322.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 506.72 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 516.38 322.10 Td (dif) Tj ET Q q 0 0 0 rg BT 527.31 322.10 Td (ficulties, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.61 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.67 310.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 141.83 310.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 195.77 310.10 Td (area ) Tj ET Q q 0 0 0 rg BT 215.26 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.53 310.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 269.61 310.10 Td (W) Tj ET Q q 0 0 0 rg BT 278.65 310.10 Td (isconsin, ) Tj ET Q q 0 0 0 rg BT 316.76 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.38 310.10 Td (which ) Tj ET Q q 0 0 0 rg BT 354.66 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 361.94 310.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 398.66 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.83 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 426.00 310.10 Td (real ) Tj ET Q q 0 0 0 rg BT 443.82 310.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 469.42 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 493.37 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 508.42 310.10 Td (concentrated. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Increases ) Tj ET Q q 0 0 0 rg BT 90.20 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 100.99 298.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 151.19 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.64 298.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 210.52 298.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 262.40 298.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 288.73 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 300.07 298.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 335.84 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 346.63 298.10 Td (real ) Tj ET Q q 0 0 0 rg BT 364.62 298.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 390.39 298.10 Td (market ) Tj ET Q q 0 0 0 rg BT 421.16 298.10 Td (values ) Tj ET Q q 0 0 0 rg BT 449.71 298.10 Td (would ) Tj ET Q q 0 0 0 rg BT 477.72 298.10 Td (require ) Tj ET Q q 0 0 0 rg BT 509.04 298.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 549.80 298.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 286.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 87.94 286.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 97.67 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.60 286.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 153.75 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 164.02 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.74 286.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 221.77 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 235.93 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 255.65 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.58 286.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 295.07 286.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 323.96 286.10 Td (which ) Tj ET Q q 0 0 0 rg BT 350.90 286.10 Td (could ) Tj ET Q q 0 0 0 rg BT 375.61 286.10 Td (have ) Tj ET Q q 0 0 0 rg BT 396.99 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 403.93 286.10 Td (material ) Tj ET Q q 0 0 0 rg BT 439.18 286.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 472.22 286.10 Td (ef) Tj ET Q q 0 0 0 rg BT 479.81 286.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 497.29 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 509.79 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.62 286.10 Td (business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 274.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 127.75 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.69 274.10 Td (results ) Tj ET Q q 0 0 0 rg BT 173.30 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.13 274.10 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 68.88 253.10 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 114.97 253.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 168.31 253.10 Td (in ) Tj ET Q q 0 0 0 rg BT 178.86 253.10 Td (our ) Tj ET Q q 0 0 0 rg BT 195.52 253.10 Td (analytical ) Tj ET Q q 0 0 0 rg BT 238.29 253.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.06 253.10 Td (forecasting ) Tj ET Q q 0 0 0 rg BT 304.37 253.10 Td (models ) Tj ET Q q 0 0 0 rg BT 335.47 253.10 Td (could ) Tj ET Q q 0 0 0 rg BT 360.45 253.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 385.99 253.10 Td (us ) Tj ET Q q 0 0 0 rg BT 397.65 253.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.64 253.10 Td (miscalculate ) Tj ET Q q 0 0 0 rg BT 461.51 253.10 Td (our ) Tj ET Q q 0 0 0 rg BT 478.17 253.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 518.14 253.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 553.12 253.10 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 78.89 241.10 Td (which ) Tj ET Q q 0 0 0 rg BT 106.40 241.10 Td (could ) Tj ET Q q 0 0 0 rg BT 131.68 241.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 172.50 241.10 Td (af) Tj ET Q q 0 0 0 rg BT 180.64 241.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 198.13 241.10 Td (our ) Tj ET Q q 0 0 0 rg BT 215.08 241.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 254.81 241.10 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 224.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.61 224.10 Td (use ) Tj ET Q q 0 0 0 rg BT 81.47 224.10 Td (analytical ) Tj ET Q q 0 0 0 rg BT 122.88 224.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.85 224.10 Td (forecasting ) Tj ET Q q 0 0 0 rg BT 186.81 224.10 Td (models ) Tj ET Q q 0 0 0 rg BT 218.23 224.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.54 224.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 264.39 224.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.15 224.10 Td (ef) Tj ET Q q 0 0 0 rg BT 286.73 224.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 308.14 224.10 Td (of ) Tj ET Q q 0 0 0 rg BT 319.01 224.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 360.42 224.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 404.61 224.10 Td (on ) Tj ET Q q 0 0 0 rg BT 417.15 224.10 Td (our ) Tj ET Q q 0 0 0 rg BT 433.01 224.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 452.76 224.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 490.29 224.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.27 224.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 544.79 224.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.10 Td (performance. ) Tj ET Q q 0 0 0 rg BT 105.33 212.10 Td (Those ) Tj ET Q q 0 0 0 rg BT 132.26 212.10 Td (models ) Tj ET Q q 0 0 0 rg BT 163.64 212.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 191.67 212.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 221.36 212.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 273.30 212.10 Td (about ) Tj ET Q q 0 0 0 rg BT 298.01 212.10 Td (market ) Tj ET Q q 0 0 0 rg BT 328.26 212.10 Td (forces, ) Tj ET Q q 0 0 0 rg BT 357.68 212.10 Td (including ) Tj ET Q q 0 0 0 rg BT 397.95 212.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 429.88 212.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 451.24 212.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.17 212.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 509.54 212.10 Td (behavior ) Tj ET Q q 0 0 0 rg BT 547.02 212.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.19 200.10 Td (be ) Tj ET Q q 0 0 0 rg BT 80.60 200.10 Td (incorrect. ) Tj ET Q q 0 0 0 rg BT 120.60 200.10 Td (If ) Tj ET Q q 0 0 0 rg BT 129.23 200.10 Td (our ) Tj ET Q q 0 0 0 rg BT 144.54 200.10 Td (analytical ) Tj ET Q q 0 0 0 rg BT 185.38 200.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.79 200.10 Td (forecasting ) Tj ET Q q 0 0 0 rg BT 248.18 200.10 Td (models) Tj ET Q q 0 0 0 rg BT 279.66 200.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.63 200.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 326.92 200.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 378.34 200.10 Td (are ) Tj ET Q q 0 0 0 rg BT 392.52 200.10 Td (incorrect, ) Tj ET Q q 0 0 0 rg BT 432.53 200.10 Td (improperly ) Tj ET Q q 0 0 0 rg BT 478.93 200.10 Td (applied, ) Tj ET Q q 0 0 0 rg BT 512.84 200.10 Td (or ) Tj ET Q q 0 0 0 rg BT 523.14 200.10 Td (otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.10 Td (inadequate, ) Tj ET Q q 0 0 0 rg BT 98.38 188.10 Td (we ) Tj ET Q q 0 0 0 rg BT 112.60 188.10 Td (may ) Tj ET Q q 0 0 0 rg BT 132.38 188.10 Td (suf) Tj ET Q q 0 0 0 rg BT 144.42 188.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 158.09 188.10 Td (deleterious ) Tj ET Q q 0 0 0 rg BT 204.52 188.10 Td (ef) Tj ET Q q 0 0 0 rg BT 212.11 188.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 233.55 188.10 Td (such ) Tj ET Q q 0 0 0 rg BT 254.45 188.10 Td (as ) Tj ET Q q 0 0 0 rg BT 265.34 188.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 293.46 188.10 Td (than ) Tj ET Q q 0 0 0 rg BT 313.24 188.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 351.33 188.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 371.12 188.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 400.07 188.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 425.41 188.10 Td (than ) Tj ET Q q 0 0 0 rg BT 445.19 188.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 483.29 188.10 Td (net ) Tj ET Q q 0 0 0 rg BT 498.07 188.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 530.07 188.10 Td (income, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.55 176.10 Td (unanticipated ) Tj ET Q q 0 0 0 rg BT 116.64 176.10 Td (char) Tj ET Q q 0 0 0 rg BT 133.67 176.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 154.58 176.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 166.53 176.10 Td (any ) Tj ET Q q 0 0 0 rg BT 183.18 176.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.74 176.10 Td (which ) Tj ET Q q 0 0 0 rg BT 220.39 176.10 Td (could ) Tj ET Q q 0 0 0 rg BT 244.83 176.10 Td (have ) Tj ET Q q 0 0 0 rg BT 265.93 176.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.59 176.10 Td (material ) Tj ET Q q 0 0 0 rg BT 307.57 176.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 340.33 176.10 Td (ef) Tj ET Q q 0 0 0 rg BT 347.91 176.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 365.12 176.10 Td (on ) Tj ET Q q 0 0 0 rg BT 377.34 176.10 Td (our ) Tj ET Q q 0 0 0 rg BT 392.89 176.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 431.50 176.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 468.71 176.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 508.70 176.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.36 176.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.69 176.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.10 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 143.10 Td (Unanticipated ) Tj ET Q q 0 0 0 rg BT 110.24 143.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 146.04 143.10 Td (in ) Tj ET Q q 0 0 0 rg BT 156.28 143.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 199.85 143.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 232.31 143.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 254.21 143.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.68 143.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.36 143.10 Td (ef) Tj ET Q q 0 0 0 rg BT 293.95 143.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 314.73 143.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.97 143.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 365.77 143.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 410.46 143.10 Td (could ) Tj ET Q q 0 0 0 rg BT 435.15 143.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 475.37 143.10 Td (af) Tj ET Q q 0 0 0 rg BT 483.52 143.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 500.41 143.10 Td (our ) Tj ET Q q 0 0 0 rg BT 516.76 143.10 Td (net ) Tj ET Q q 0 0 0 rg BT 531.45 143.10 Td (interest ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 131.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 85.00 131.10 Td (which ) Tj ET Q q 0 0 0 rg BT 112.50 131.10 Td (is ) Tj ET Q q 0 0 0 rg BT 121.67 131.10 Td (our ) Tj ET Q q 0 0 0 rg BT 138.63 131.10 Td (largest ) Tj ET Q q 0 0 0 rg BT 168.91 131.10 Td (source ) Tj ET Q q 0 0 0 rg BT 198.63 131.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.46 131.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 107.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 87.49 107.10 Td (is ) Tj ET Q q 0 0 0 rg BT 97.05 107.10 Td (exposed ) Tj ET Q q 0 0 0 rg BT 132.71 107.10 Td (to ) Tj ET Q q 0 0 0 rg BT 143.37 107.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 175.70 107.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 193.57 107.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 211.46 107.10 Td (in ) Tj ET Q q 0 0 0 rg BT 222.13 107.10 Td (its ) Tj ET Q q 0 0 0 rg BT 234.47 107.10 Td (core ) Tj ET Q q 0 0 0 rg BT 254.57 107.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 289.68 107.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 328.67 107.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.89 107.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 372.77 107.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.10 107.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 421.88 107.10 Td (taking, ) Tj ET Q q 0 0 0 rg BT 452.27 107.10 Td (since ) Tj ET Q q 0 0 0 rg BT 475.70 107.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 510.80 107.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.47 107.10 Td (prevailing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.70 95.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 102.84 95.10 Td (af) Tj ET Q q 0 0 0 rg BT 110.43 95.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 127.68 95.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.16 95.10 Td (value ) Tj ET Q q 0 0 0 rg BT 166.08 95.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.67 95.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.27 95.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 217.86 95.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.57 95.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 276.55 95.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 298.81 95.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 333.28 95.10 Td (may ) Tj ET Q q 0 0 0 rg BT 352.77 95.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 393.35 95.10 Td (af) Tj ET Q q 0 0 0 rg BT 400.93 95.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 418.18 95.10 Td (our ) Tj ET Q q 0 0 0 rg BT 433.78 95.10 Td (net ) Tj ET Q q 0 0 0 rg BT 448.26 95.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 479.96 95.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 514.16 95.10 Td (which ) Tj ET Q q 0 0 0 rg BT 540.86 95.10 Td (is ) Tj ET Q q 0 0 0 rg BT 549.79 95.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 83.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 83.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 92.89 83.10 Td (between ) Tj ET Q q 0 0 0 rg BT 128.75 83.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 160.73 83.10 Td (income ) Tj ET Q q 0 0 0 rg BT 192.72 83.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.70 83.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 241.68 83.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 278.94 83.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 297.04 83.10 Td (net ) Tj ET Q q 0 0 0 rg BT 311.80 83.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 343.78 83.10 Td (income ) Tj ET Q q 0 0 0 rg BT 375.77 83.10 Td (is ) Tj ET Q q 0 0 0 rg BT 384.98 83.10 Td (af) Tj ET Q q 0 0 0 rg BT 392.57 83.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 419.54 83.10 Td (by ) Tj ET Q q 0 0 0 rg BT 432.09 83.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.86 83.10 Td (fact ) Tj ET Q q 0 0 0 rg BT 464.39 83.10 Td (that ) Tj ET Q q 0 0 0 rg BT 481.93 83.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 507.81 83.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.80 83.10 Td (liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 71.10 Td (reprice ) Tj ET Q q 0 0 0 rg BT 80.14 71.10 Td (at ) Tj ET Q q 0 0 0 rg BT 89.75 71.10 Td (dif) Tj ET Q q 0 0 0 rg BT 100.68 71.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 126.38 71.10 Td (times ) Tj ET Q q 0 0 0 rg BT 150.44 71.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.27 71.10 Td (by ) Tj ET Q q 0 0 0 rg BT 179.66 71.10 Td (dif) Tj ET Q q 0 0 0 rg BT 190.59 71.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 216.29 71.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 252.57 71.10 Td (as ) Tj ET Q q 0 0 0 rg BT 263.29 71.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 295.11 71.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 316.38 71.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 349.58 71.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 366.41 71.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 398.24 71.10 Td (income ) Tj ET Q q 0 0 0 rg BT 430.06 71.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 472.99 71.10 Td (our ) Tj ET Q q 0 0 0 rg BT 488.71 71.10 Td (lar) Tj ET Q q 0 0 0 rg BT 499.07 71.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 517.57 71.10 Td (component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 59.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 59.10 Td (net ) Tj ET Q q 0 0 0 rg BT 75.55 59.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 109.98 59.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.92 59.10 Td (was ) Tj ET Q q 0 0 0 rg BT 144.97 59.10 Td ($641.5 ) Tj ET Q q 0 0 0 rg BT 174.97 59.10 Td (million ) Tj ET Q q 0 0 0 rg BT 206.36 59.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.30 59.10 Td ($598.6 ) Tj ET Q q 0 0 0 rg BT 253.30 59.10 Td (million ) Tj ET Q q 0 0 0 rg BT 284.69 59.10 Td (for ) Tj ET Q q 0 0 0 rg BT 298.85 59.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.57 59.10 Td (years ) Tj ET Q q 0 0 0 rg BT 337.17 59.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 363.54 59.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 422.13 59.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 444.63 59.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.57 59.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 486.57 59.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 534.23 59.10 Td (.) Tj ET Q endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (24) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 72.45 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.25 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 99.04 742.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 143.73 742.10 Td (may ) Tj ET Q q 0 0 0 rg BT 163.41 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 175.31 742.10 Td (af) Tj ET Q q 0 0 0 rg BT 182.90 742.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 209.79 742.10 Td (dif) Tj ET Q q 0 0 0 rg BT 220.72 742.10 Td (ferently ) Tj ET Q q 0 0 0 rg BT 254.27 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 266.74 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 273.64 742.10 Td (given ) Tj ET Q q 0 0 0 rg BT 298.32 742.10 Td (change ) Tj ET Q q 0 0 0 rg BT 329.10 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 339.35 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 371.25 742.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 395.09 742.10 Td (For ) Tj ET Q q 0 0 0 rg BT 411.44 742.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 450.28 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 464.41 742.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 492.96 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 510.42 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.11 742.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.68 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.76 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 105.96 730.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 140.61 730.10 Td (business ) Tj ET Q q 0 0 0 rg BT 176.93 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 187.15 730.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 216.24 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 239.79 730.10 Td (into ) Tj ET Q q 0 0 0 rg BT 257.78 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.43 730.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 315.40 730.10 Td (market ) Tj ET Q q 0 0 0 rg BT 345.59 730.10 Td (would ) Tj ET Q q 0 0 0 rg BT 373.03 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 384.90 730.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 428.98 730.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 468.06 730.10 Td (during ) Tj ET Q q 0 0 0 rg BT 496.61 730.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 528.48 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.24 730.10 Td (rising ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.48 718.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 104.91 718.10 Td (whereas ) Tj ET Q q 0 0 0 rg BT 139.71 718.10 Td (falling ) Tj ET Q q 0 0 0 rg BT 167.87 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 199.35 718.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 220.27 718.10 Td (could ) Tj ET Q q 0 0 0 rg BT 244.54 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 265.46 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 271.95 718.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 307.87 718.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 337.13 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 349.18 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.44 718.10 Td (net ) Tj ET Q q 0 0 0 rg BT 377.71 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 409.19 718.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 437.34 718.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 466.03 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 478.08 718.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 512.91 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 523.29 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 536.99 718.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.78 706.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 90.77 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.89 706.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 126.00 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.56 706.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 161.78 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 174.12 706.10 Td (many ) Tj ET Q q 0 0 0 rg BT 198.67 706.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 230.45 706.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 262.77 706.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 294.00 706.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 331.33 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.00 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 357.67 706.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 400.55 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.67 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.23 706.10 Td (same ) Tj ET Q q 0 0 0 rg BT 448.12 706.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 474.89 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 485.56 706.10 Td (many ) Tj ET Q q 0 0 0 rg BT 510.12 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.79 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 536.46 706.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (yielding ) Tj ET Q q 0 0 0 rg BT 85.27 694.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 107.21 694.10 Td (classes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 105.59 670.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 145.42 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 156.39 670.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 189.01 670.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 211.08 670.10 Td (may ) Tj ET Q q 0 0 0 rg BT 231.48 670.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 272.99 670.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 313.38 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.78 670.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 360.30 670.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 378.48 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.00 670.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 414.29 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.92 670.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 470.39 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.79 670.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 516.75 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.27 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 544.79 670.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 90.18 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 110.09 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.22 658.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 158.79 658.10 Td (pricing, ) Tj ET Q q 0 0 0 rg BT 192.31 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.22 658.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 239.90 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.92 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 270.83 658.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 321.29 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.76 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 347.78 658.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 388.23 658.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 423.14 658.10 Td (business ) Tj ET Q q 0 0 0 rg BT 459.72 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.84 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.75 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 516.10 658.10 Td (that ) Tj ET Q q 0 0 0 rg BT 533.78 658.10 Td (we ) Tj ET Q q 0 0 0 rg BT 548.13 658.10 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 91.36 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 103.86 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.58 646.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 136.63 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.46 646.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 187.72 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 211.33 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 221.61 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.32 646.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 279.36 646.10 Td (market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.42 622.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 85.53 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.65 622.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 130.77 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 146.44 622.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 178.22 622.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 195.55 622.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 212.89 622.10 Td (through ) Tj ET Q q 0 0 0 rg BT 246.34 622.10 Td (several ) Tj ET Q q 0 0 0 rg BT 277.00 622.10 Td (strategies, ) Tj ET Q q 0 0 0 rg BT 319.61 622.10 Td (which ) Tj ET Q q 0 0 0 rg BT 346.39 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 365.95 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 381.07 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 392.86 622.10 Td (successful. ) Tj ET Q q 0 0 0 rg BT 438.63 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 447.67 622.10 Td (ith ) Tj ET Q q 0 0 0 rg BT 460.57 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.13 622.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 515.23 622.10 Td (low ) Tj ET Q q 0 0 0 rg BT 532.57 622.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 71.35 610.10 Td (that ) Tj ET Q q 0 0 0 rg BT 88.82 610.10 Td (prevailed ) Tj ET Q q 0 0 0 rg BT 128.49 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.74 610.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 165.64 610.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 191.71 610.10 Td (we ) Tj ET Q q 0 0 0 rg BT 205.84 610.10 Td (were ) Tj ET Q q 0 0 0 rg BT 227.74 610.10 Td (able ) Tj ET Q q 0 0 0 rg BT 246.87 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.12 610.10 Td (augment ) Tj ET Q q 0 0 0 rg BT 294.02 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.71 610.10 Td (total ) Tj ET Q q 0 0 0 rg BT 328.96 610.10 Td (return ) Tj ET Q q 0 0 0 rg BT 355.31 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.11 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 381.91 610.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 428.27 610.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 468.50 610.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 505.97 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 518.44 610.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 547.58 610.10 Td (call ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (options ) Tj ET Q q 0 0 0 rg BT 82.08 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 94.70 598.10 Td (fixed-income ) Tj ET Q q 0 0 0 rg BT 150.64 598.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 191.03 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 208.65 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 222.94 598.10 Td (own. ) Tj ET Q q 0 0 0 rg BT 245.10 598.10 Td (W) Tj ET Q q 0 0 0 rg BT 253.74 598.10 Td (e ) Tj ET Q q 0 0 0 rg BT 260.80 598.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 298.40 598.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 313.24 598.10 Td (income ) Tj ET Q q 0 0 0 rg BT 345.30 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.26 598.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 416.64 598.10 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 441.77 598.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 475.79 598.10 Td ($7.9 ) Tj ET Q q 0 0 0 rg BT 495.91 598.10 Td (million ) Tj ET Q q 0 0 0 rg BT 527.43 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.50 598.10 Td ($4.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (million ) Tj ET Q q 0 0 0 rg BT 81.59 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 95.95 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.87 586.10 Td (years ) Tj ET Q q 0 0 0 rg BT 134.67 586.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 161.25 586.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 220.03 586.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 245.23 586.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 267.93 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.07 586.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 310.27 586.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 357.93 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 362.93 586.10 Td (W) Tj ET Q q 0 0 0 rg BT 371.57 586.10 Td (e ) Tj ET Q q 0 0 0 rg BT 378.71 586.10 Td (also ) Tj ET Q q 0 0 0 rg BT 397.52 586.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 432.99 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 449.02 586.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 481.15 586.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 498.84 586.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 516.54 586.10 Td (by ) Tj ET Q q 0 0 0 rg BT 529.24 586.10 Td (entering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (into ) Tj ET Q q 0 0 0 rg BT 68.48 574.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 100.83 574.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 118.73 574.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 146.09 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.45 574.10 Td (other ) Tj ET Q q 0 0 0 rg BT 186.92 574.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 219.27 574.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 237.17 574.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 280.07 574.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 319.09 574.10 Td (from ) Tj ET Q q 0 0 0 rg BT 341.44 574.10 Td (time ) Tj ET Q q 0 0 0 rg BT 362.14 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.83 574.10 Td (time ) Tj ET Q q 0 0 0 rg BT 393.53 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 414.22 574.10 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 476.07 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 481.48 574.10 Td (o ) Tj ET Q q 0 0 0 rg BT 489.40 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.54 574.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 531.89 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 549.80 574.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.46 562.10 Td (value ) Tj ET Q q 0 0 0 rg BT 104.81 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.84 562.10 Td (any ) Tj ET Q q 0 0 0 rg BT 132.98 562.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 175.66 562.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 210.56 562.10 Td (moves ) Tj ET Q q 0 0 0 rg BT 239.36 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.84 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 256.98 562.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 293.54 562.10 Td (market ) Tj ET Q q 0 0 0 rg BT 324.01 562.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 350.86 562.10 Td (we ) Tj ET Q q 0 0 0 rg BT 365.22 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 380.12 562.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 411.15 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 421.62 562.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 439.88 562.10 Td (if ) Tj ET Q q 0 0 0 rg BT 448.69 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.60 562.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 516.83 562.10 Td (defaults. ) Tj ET Q q 0 0 0 rg BT 553.68 562.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 550.10 Td (future, ) Tj ET Q q 0 0 0 rg BT 93.59 550.10 Td (there ) Tj ET Q q 0 0 0 rg BT 116.08 550.10 Td (can ) Tj ET Q q 0 0 0 rg BT 132.46 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 144.39 550.10 Td (no ) Tj ET Q q 0 0 0 rg BT 156.89 550.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 198.26 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 215.76 550.10 Td (such ) Tj ET Q q 0 0 0 rg BT 236.59 550.10 Td (mitigation ) Tj ET Q q 0 0 0 rg BT 280.20 550.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 320.46 550.10 Td (will ) Tj ET Q q 0 0 0 rg BT 338.52 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 350.45 550.10 Td (available ) Tj ET Q q 0 0 0 rg BT 389.04 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 399.87 550.10 Td (successful.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 523.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.17 523.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 105.57 523.70 Td (position ) Tj ET Q q 0 0 0 rg BT 140.85 523.70 Td (may ) Tj ET Q q 0 0 0 rg BT 160.57 523.70 Td (be ) Tj ET Q q 0 0 0 rg BT 172.51 523.70 Td (negatively ) Tj ET Q q 0 0 0 rg BT 216.66 523.70 Td (impacted ) Tj ET Q q 0 0 0 rg BT 256.37 523.70 Td (if ) Tj ET Q q 0 0 0 rg BT 264.98 523.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 306.91 523.70 Td (conditions ) Tj ET Q q 0 0 0 rg BT 352.20 523.70 Td (continue ) Tj ET Q q 0 0 0 rg BT 390.82 523.70 Td (to ) Tj ET Q q 0 0 0 rg BT 401.10 523.70 Td (suf) Tj ET Q q 0 0 0 rg BT 413.70 523.70 Td (fer) Tj ET Q q 0 0 0 rg BT 424.81 523.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 506.70 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 89.38 506.70 Td (is ) Tj ET Q q 0 0 0 rg BT 98.21 506.70 Td (a ) Tj ET Q q 0 0 0 rg BT 104.80 506.70 Td (measure ) Tj ET Q q 0 0 0 rg BT 140.28 506.70 Td (of ) Tj ET Q q 0 0 0 rg BT 150.77 506.70 Td (whether ) Tj ET Q q 0 0 0 rg BT 185.13 506.70 Td (our ) Tj ET Q q 0 0 0 rg BT 200.62 506.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 220.55 506.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 244.93 506.70 Td (and ) Tj ET Q q 0 0 0 rg BT 261.52 506.70 Td (liquid ) Tj ET Q q 0 0 0 rg BT 287.02 506.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 312.50 506.70 Td (are ) Tj ET Q q 0 0 0 rg BT 326.87 506.70 Td (suf) Tj ET Q q 0 0 0 rg BT 338.91 506.70 Td (ficient ) Tj ET Q q 0 0 0 rg BT 366.61 506.70 Td (to ) Tj ET Q q 0 0 0 rg BT 376.55 506.70 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 404.81 506.70 Td (current ) Tj ET Q q 0 0 0 rg BT 435.29 506.70 Td (and ) Tj ET Q q 0 0 0 rg BT 451.88 506.70 Td (future ) Tj ET Q q 0 0 0 rg BT 477.92 506.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 515.06 506.70 Td (obligations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 494.70 Td (such ) Tj ET Q q 0 0 0 rg BT 71.62 494.70 Td (as ) Tj ET Q q 0 0 0 rg BT 83.25 494.70 Td (demand ) Tj ET Q q 0 0 0 rg BT 118.20 494.70 Td (for ) Tj ET Q q 0 0 0 rg BT 133.15 494.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 160.05 494.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 192.23 494.70 Td (withdrawals ) Tj ET Q q 0 0 0 rg BT 244.40 494.70 Td (and ) Tj ET Q q 0 0 0 rg BT 262.13 494.70 Td (operating ) Tj ET Q q 0 0 0 rg BT 303.19 494.70 Td (costs. ) Tj ET Q q 0 0 0 rg BT 328.98 494.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 347.83 494.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 385.01 494.70 Td (position ) Tj ET Q q 0 0 0 rg BT 420.53 494.70 Td (is ) Tj ET Q q 0 0 0 rg BT 430.50 494.70 Td (af) Tj ET Q q 0 0 0 rg BT 438.09 494.70 Td (fected ) Tj ET Q q 0 0 0 rg BT 465.80 494.70 Td (by ) Tj ET Q q 0 0 0 rg BT 479.10 494.70 Td (a ) Tj ET Q q 0 0 0 rg BT 486.83 494.70 Td (number ) Tj ET Q q 0 0 0 rg BT 520.67 494.70 Td (of ) Tj ET Q q 0 0 0 rg BT 532.29 494.70 Td (factors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 482.70 Td (including ) Tj ET Q q 0 0 0 rg BT 90.45 482.70 Td (the ) Tj ET Q q 0 0 0 rg BT 105.34 482.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 138.01 482.70 Td (of ) Tj ET Q q 0 0 0 rg BT 149.01 482.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 169.46 482.70 Td (and ) Tj ET Q q 0 0 0 rg BT 186.57 482.70 Td (other ) Tj ET Q q 0 0 0 rg BT 209.79 482.70 Td (liquid ) Tj ET Q q 0 0 0 rg BT 235.80 482.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 261.81 482.70 Td (on ) Tj ET Q q 0 0 0 rg BT 274.48 482.70 Td (hand, ) Tj ET Q q 0 0 0 rg BT 299.10 482.70 Td (payment ) Tj ET Q q 0 0 0 rg BT 336.20 482.70 Td (of ) Tj ET Q q 0 0 0 rg BT 347.21 482.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 379.32 482.70 Td (and ) Tj ET Q q 0 0 0 rg BT 396.43 482.70 Td (dividends ) Tj ET Q q 0 0 0 rg BT 437.99 482.70 Td (on ) Tj ET Q q 0 0 0 rg BT 450.67 482.70 Td (debt ) Tj ET Q q 0 0 0 rg BT 470.56 482.70 Td (and ) Tj ET Q q 0 0 0 rg BT 487.67 482.70 Td (equity ) Tj ET Q q 0 0 0 rg BT 515.34 482.70 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.70 Td (that ) Tj ET Q q 0 0 0 rg BT 67.48 470.70 Td (we ) Tj ET Q q 0 0 0 rg BT 81.62 470.70 Td (have ) Tj ET Q q 0 0 0 rg BT 102.98 470.70 Td (issued, ) Tj ET Q q 0 0 0 rg BT 132.96 470.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 162.10 470.70 Td (we ) Tj ET Q q 0 0 0 rg BT 176.24 470.70 Td (inject ) Tj ET Q q 0 0 0 rg BT 200.94 470.70 Td (into ) Tj ET Q q 0 0 0 rg BT 218.97 470.70 Td (our ) Tj ET Q q 0 0 0 rg BT 234.79 470.70 Td (bank ) Tj ET Q q 0 0 0 rg BT 256.71 470.70 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 308.91 470.70 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 346.93 470.70 Td (we ) Tj ET Q q 0 0 0 rg BT 361.07 470.70 Td (raise ) Tj ET Q q 0 0 0 rg BT 382.43 470.70 Td (through ) Tj ET Q q 0 0 0 rg BT 416.02 470.70 Td (the ) Tj ET Q q 0 0 0 rg BT 430.72 470.70 Td (issuance ) Tj ET Q q 0 0 0 rg BT 467.08 470.70 Td (of ) Tj ET Q q 0 0 0 rg BT 477.90 470.70 Td (securities, ) Tj ET Q q 0 0 0 rg BT 520.64 470.70 Td (our ) Tj ET Q q 0 0 0 rg BT 536.46 470.70 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.70 Td (to ) Tj ET Q q 0 0 0 rg BT 59.83 458.70 Td (draw ) Tj ET Q q 0 0 0 rg BT 81.86 458.70 Td (upon ) Tj ET Q q 0 0 0 rg BT 103.91 458.70 Td (our ) Tj ET Q q 0 0 0 rg BT 119.29 458.70 Td (revolving ) Tj ET Q q 0 0 0 rg BT 159.66 458.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 184.47 458.70 Td (facility ) Tj ET Q q 0 0 0 rg BT 214.84 458.70 Td (and ) Tj ET Q q 0 0 0 rg BT 231.33 458.70 Td (dividends ) Tj ET Q q 0 0 0 rg BT 272.26 458.70 Td (received ) Tj ET Q q 0 0 0 rg BT 308.17 458.70 Td (from ) Tj ET Q q 0 0 0 rg BT 329.65 458.70 Td (our ) Tj ET Q q 0 0 0 rg BT 345.03 458.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 379.30 458.70 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 431.06 458.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 448.66 458.70 Td (future ) Tj ET Q q 0 0 0 rg BT 474.58 458.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 510.52 458.70 Td (position ) Tj ET Q q 0 0 0 rg BT 544.80 458.70 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.70 Td (be ) Tj ET Q q 0 0 0 rg BT 61.94 446.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 102.75 446.70 Td (af) Tj ET Q q 0 0 0 rg BT 110.34 446.70 Td (fected ) Tj ET Q q 0 0 0 rg BT 137.27 446.70 Td (by ) Tj ET Q q 0 0 0 rg BT 149.77 446.70 Td (multiple ) Tj ET Q q 0 0 0 rg BT 185.60 446.70 Td (factors, ) Tj ET Q q 0 0 0 rg BT 217.80 446.70 Td (including:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 429.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 429.30 Td (if our banking subsidiaries report net losses or their earnings are weak relative to our cash flow needs;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 411.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 411.90 Td (if it is necessary for us to make capital injections to our banking subsidiaries;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 394.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 394.50 Td (if changes in regulations require us to maintain a greater level of capital, as more fully described below;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 377.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 377.10 Td (if we are unable to access our revolving credit facility due to a failure to satisfy financial and other covenants; or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 359.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 359.70 Td (if we are unable to raise additional capital on terms that are satisfactory to us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 342.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 342.70 Td (eakness ) Tj ET Q q 0 0 0 rg BT 91.90 342.70 Td (or ) Tj ET Q q 0 0 0 rg BT 102.40 342.70 Td (worsening ) Tj ET Q q 0 0 0 rg BT 146.22 342.70 Td (of ) Tj ET Q q 0 0 0 rg BT 156.71 342.70 Td (the ) Tj ET Q q 0 0 0 rg BT 171.10 342.70 Td (economy) Tj ET Q q 0 0 0 rg BT 207.10 342.70 Td (, ) Tj ET Q q 0 0 0 rg BT 211.77 342.70 Td (real ) Tj ET Q q 0 0 0 rg BT 228.92 342.70 Td (estate ) Tj ET Q q 0 0 0 rg BT 253.84 342.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 287.66 342.70 Td (or ) Tj ET Q q 0 0 0 rg BT 298.16 342.70 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 360.31 342.70 Td (levels ) Tj ET Q q 0 0 0 rg BT 385.80 342.70 Td (may ) Tj ET Q q 0 0 0 rg BT 405.19 342.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 440.10 342.70 Td (the ) Tj ET Q q 0 0 0 rg BT 454.48 342.70 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 497.20 342.70 Td (that ) Tj ET Q q 0 0 0 rg BT 514.36 342.70 Td (one ) Tj ET Q q 0 0 0 rg BT 530.96 342.70 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 342.70 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 330.70 Td (of ) Tj ET Q q 0 0 0 rg BT 60.98 330.70 Td (these ) Tj ET Q q 0 0 0 rg BT 84.18 330.70 Td (events ) Tj ET Q q 0 0 0 rg BT 112.39 330.70 Td (will ) Tj ET Q q 0 0 0 rg BT 130.60 330.70 Td (occur) Tj ET Q q 0 0 0 rg BT 152.25 330.70 Td (. ) Tj ET Q q 0 0 0 rg BT 157.40 330.70 Td (If ) Tj ET Q q 0 0 0 rg BT 166.72 330.70 Td (our ) Tj ET Q q 0 0 0 rg BT 182.70 330.70 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 219.25 330.70 Td (is ) Tj ET Q q 0 0 0 rg BT 228.57 330.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 269.54 330.70 Td (af) Tj ET Q q 0 0 0 rg BT 277.13 330.70 Td (fected, ) Tj ET Q q 0 0 0 rg BT 306.71 330.70 Td (it ) Tj ET Q q 0 0 0 rg BT 314.92 330.70 Td (may ) Tj ET Q q 0 0 0 rg BT 334.79 330.70 Td (have ) Tj ET Q q 0 0 0 rg BT 356.32 330.70 Td (a ) Tj ET Q q 0 0 0 rg BT 363.41 330.70 Td (material ) Tj ET Q q 0 0 0 rg BT 398.82 330.70 Td (adverse ) Tj ET Q q 0 0 0 rg BT 432.01 330.70 Td (ef) Tj ET Q q 0 0 0 rg BT 439.60 330.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 457.24 330.70 Td (on ) Tj ET Q q 0 0 0 rg BT 469.90 330.70 Td (our ) Tj ET Q q 0 0 0 rg BT 485.88 330.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 524.92 330.70 Td (results ) Tj ET Q q 0 0 0 rg BT 553.69 330.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 318.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.16 318.70 Td (and ) Tj ET Q q 0 0 0 rg BT 111.09 318.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 148.57 318.70 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 297.70 Td (The ) Tj ET Q q 0 0 0 rg BT 68.30 297.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 107.71 297.70 Td (services ) Tj ET Q q 0 0 0 rg BT 142.11 297.70 Td (industry ) Tj ET Q q 0 0 0 rg BT 178.20 297.70 Td (is ) Tj ET Q q 0 0 0 rg BT 187.06 297.70 Td (very ) Tj ET Q q 0 0 0 rg BT 206.46 297.70 Td (competitive, ) Tj ET Q q 0 0 0 rg BT 257.80 297.70 Td (and ) Tj ET Q q 0 0 0 rg BT 275.55 297.70 Td (if ) Tj ET Q q 0 0 0 rg BT 283.85 297.70 Td (we ) Tj ET Q q 0 0 0 rg BT 297.14 297.70 Td (are ) Tj ET Q q 0 0 0 rg BT 312.66 297.70 Td (not ) Tj ET Q q 0 0 0 rg BT 328.19 297.70 Td (able ) Tj ET Q q 0 0 0 rg BT 347.60 297.70 Td (to ) Tj ET Q q 0 0 0 rg BT 357.57 297.70 Td (compete ) Tj ET Q q 0 0 0 rg BT 393.63 297.70 Td (ef) Tj ET Q q 0 0 0 rg BT 401.22 297.70 Td (fectively) Tj ET Q q 0 0 0 rg BT 434.70 297.70 Td (, ) Tj ET Q q 0 0 0 rg BT 439.39 297.70 Td (we ) Tj ET Q q 0 0 0 rg BT 452.69 297.70 Td (may ) Tj ET Q q 0 0 0 rg BT 472.10 297.70 Td (lose ) Tj ET Q q 0 0 0 rg BT 490.40 297.70 Td (market ) Tj ET Q q 0 0 0 rg BT 521.47 297.70 Td (share ) Tj ET Q q 0 0 0 rg BT 546.45 297.70 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 285.70 Td (our ) Tj ET Q q 0 0 0 rg BT 66.95 285.70 Td (business ) Tj ET Q q 0 0 0 rg BT 104.47 285.70 Td (could ) Tj ET Q q 0 0 0 rg BT 129.75 285.70 Td (suf) Tj ET Q q 0 0 0 rg BT 142.35 285.70 Td (fer) Tj ET Q q 0 0 0 rg BT 153.46 285.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 268.70 Td (e ) Tj ET Q q 0 0 0 rg BT 65.66 268.70 Td (face ) Tj ET Q q 0 0 0 rg BT 84.88 268.70 Td (competition ) Tj ET Q q 0 0 0 rg BT 135.23 268.70 Td (in ) Tj ET Q q 0 0 0 rg BT 145.59 268.70 Td (attracting ) Tj ET Q q 0 0 0 rg BT 185.93 268.70 Td (and ) Tj ET Q q 0 0 0 rg BT 202.95 268.70 Td (retaining ) Tj ET Q q 0 0 0 rg BT 241.07 268.70 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 278.93 268.70 Td (making ) Tj ET Q q 0 0 0 rg BT 311.51 268.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 337.70 268.70 Td (and ) Tj ET Q q 0 0 0 rg BT 354.71 268.70 Td (providing ) Tj ET Q q 0 0 0 rg BT 396.18 268.70 Td (other ) Tj ET Q q 0 0 0 rg BT 419.31 268.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 456.87 268.70 Td (services ) Tj ET Q q 0 0 0 rg BT 491.66 268.70 Td (\(including ) Tj ET Q q 0 0 0 rg BT 535.34 268.70 Td (wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.70 Td (management ) Tj ET Q q 0 0 0 rg BT 103.81 256.70 Td (services\) ) Tj ET Q q 0 0 0 rg BT 142.06 256.70 Td (throughout ) Tj ET Q q 0 0 0 rg BT 188.67 256.70 Td (our ) Tj ET Q q 0 0 0 rg BT 204.72 256.70 Td (market ) Tj ET Q q 0 0 0 rg BT 235.20 256.70 Td (area. ) Tj ET Q q 0 0 0 rg BT 257.06 256.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 275.33 256.70 Td (competitors ) Tj ET Q q 0 0 0 rg BT 325.27 256.70 Td (include ) Tj ET Q q 0 0 0 rg BT 357.42 256.70 Td (national, ) Tj ET Q q 0 0 0 rg BT 394.85 256.70 Td (regional ) Tj ET Q q 0 0 0 rg BT 430.33 256.70 Td (and ) Tj ET Q q 0 0 0 rg BT 447.49 256.70 Td (other ) Tj ET Q q 0 0 0 rg BT 470.75 256.70 Td (community ) Tj ET Q q 0 0 0 rg BT 519.02 256.70 Td (banks, ) Tj ET Q q 0 0 0 rg BT 547.57 256.70 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.70 Td (a ) Tj ET Q q 0 0 0 rg BT 57.78 244.70 Td (wide ) Tj ET Q q 0 0 0 rg BT 80.57 244.70 Td (range ) Tj ET Q q 0 0 0 rg BT 106.12 244.70 Td (of ) Tj ET Q q 0 0 0 rg BT 117.80 244.70 Td (other ) Tj ET Q q 0 0 0 rg BT 141.69 244.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 180.02 244.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 227.82 244.70 Td (such ) Tj ET Q q 0 0 0 rg BT 249.49 244.70 Td (as ) Tj ET Q q 0 0 0 rg BT 261.17 244.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 287.28 244.70 Td (unions, ) Tj ET Q q 0 0 0 rg BT 319.80 244.70 Td (government-sponsored ) Tj ET Q q 0 0 0 rg BT 414.79 244.70 Td (enterprises, ) Tj ET Q q 0 0 0 rg BT 463.95 244.70 Td (mutual ) Tj ET Q q 0 0 0 rg BT 495.07 244.70 Td (fund ) Tj ET Q q 0 0 0 rg BT 516.75 244.70 Td (companies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.30 232.70 Td (companies, ) Tj ET Q q 0 0 0 rg BT 137.54 232.70 Td (factoring ) Tj ET Q q 0 0 0 rg BT 175.61 232.70 Td (companies ) Tj ET Q q 0 0 0 rg BT 220.36 232.70 Td (and ) Tj ET Q q 0 0 0 rg BT 236.77 232.70 Td (other ) Tj ET Q q 0 0 0 rg BT 259.30 232.70 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 299.05 232.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 336.01 232.70 Td (companies. ) Tj ET Q q 0 0 0 rg BT 383.25 232.70 Td (Many ) Tj ET Q q 0 0 0 rg BT 408.56 232.70 Td (of ) Tj ET Q q 0 0 0 rg BT 418.87 232.70 Td (these ) Tj ET Q q 0 0 0 rg BT 441.40 232.70 Td (competitors ) Tj ET Q q 0 0 0 rg BT 490.59 232.70 Td (have ) Tj ET Q q 0 0 0 rg BT 511.45 232.70 Td (substantially ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.70 Td (greater ) Tj ET Q q 0 0 0 rg BT 79.96 220.70 Td (resources ) Tj ET Q q 0 0 0 rg BT 119.93 220.70 Td (and ) Tj ET Q q 0 0 0 rg BT 136.57 220.70 Td (market ) Tj ET Q q 0 0 0 rg BT 166.54 220.70 Td (presence ) Tj ET Q q 0 0 0 rg BT 203.73 220.70 Td (than ) Tj ET Q q 0 0 0 rg BT 222.99 220.70 Td (W) Tj ET Q q 0 0 0 rg BT 232.03 220.70 Td (intrust ) Tj ET Q q 0 0 0 rg BT 259.79 220.70 Td (and, ) Tj ET Q q 0 0 0 rg BT 278.94 220.70 Td (as ) Tj ET Q q 0 0 0 rg BT 289.47 220.70 Td (a ) Tj ET Q q 0 0 0 rg BT 296.12 220.70 Td (result ) Tj ET Q q 0 0 0 rg BT 320.54 220.70 Td (of ) Tj ET Q q 0 0 0 rg BT 331.08 220.70 Td (their ) Tj ET Q q 0 0 0 rg BT 351.61 220.70 Td (size, ) Tj ET Q q 0 0 0 rg BT 371.87 220.70 Td (may ) Tj ET Q q 0 0 0 rg BT 391.29 220.70 Td (be ) Tj ET Q q 0 0 0 rg BT 402.94 220.70 Td (able ) Tj ET Q q 0 0 0 rg BT 421.80 220.70 Td (to ) Tj ET Q q 0 0 0 rg BT 431.78 220.70 Td (of) Tj ET Q q 0 0 0 rg BT 439.93 220.70 Td (fer ) Tj ET Q q 0 0 0 rg BT 453.24 220.70 Td (a ) Tj ET Q q 0 0 0 rg BT 459.88 220.70 Td (broader ) Tj ET Q q 0 0 0 rg BT 492.63 220.70 Td (range ) Tj ET Q q 0 0 0 rg BT 517.04 220.70 Td (of ) Tj ET Q q 0 0 0 rg BT 527.58 220.70 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.70 Td (and ) Tj ET Q q 0 0 0 rg BT 66.83 208.70 Td (services, ) Tj ET Q q 0 0 0 rg BT 103.94 208.70 Td (better ) Tj ET Q q 0 0 0 rg BT 129.09 208.70 Td (pricing ) Tj ET Q q 0 0 0 rg BT 159.81 208.70 Td (for ) Tj ET Q q 0 0 0 rg BT 173.87 208.70 Td (those ) Tj ET Q q 0 0 0 rg BT 197.37 208.70 Td (products ) Tj ET Q q 0 0 0 rg BT 234.21 208.70 Td (and ) Tj ET Q q 0 0 0 rg BT 251.04 208.70 Td (services, ) Tj ET Q q 0 0 0 rg BT 288.14 208.70 Td (or ) Tj ET Q q 0 0 0 rg BT 298.87 208.70 Td (newer ) Tj ET Q q 0 0 0 rg BT 325.69 208.70 Td (technologies ) Tj ET Q q 0 0 0 rg BT 378.63 208.70 Td (to ) Tj ET Q q 0 0 0 rg BT 388.80 208.70 Td (deliver ) Tj ET Q q 0 0 0 rg BT 418.96 208.70 Td (those ) Tj ET Q q 0 0 0 rg BT 442.46 208.70 Td (products ) Tj ET Q q 0 0 0 rg BT 479.30 208.70 Td (and ) Tj ET Q q 0 0 0 rg BT 496.13 208.70 Td (services ) Tj ET Q q 0 0 0 rg BT 530.73 208.70 Td (than ) Tj ET Q q 0 0 0 rg BT 550.34 208.70 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.70 Td (can. ) Tj ET Q q 0 0 0 rg BT 68.41 196.70 Td (Several ) Tj ET Q q 0 0 0 rg BT 100.43 196.70 Td (of ) Tj ET Q q 0 0 0 rg BT 110.79 196.70 Td (our ) Tj ET Q q 0 0 0 rg BT 126.15 196.70 Td (local ) Tj ET Q q 0 0 0 rg BT 147.62 196.70 Td (competitors ) Tj ET Q q 0 0 0 rg BT 196.86 196.70 Td (have ) Tj ET Q q 0 0 0 rg BT 217.77 196.70 Td (experienced ) Tj ET Q q 0 0 0 rg BT 268.11 196.70 Td (improvements ) Tj ET Q q 0 0 0 rg BT 327.35 196.70 Td (in ) Tj ET Q q 0 0 0 rg BT 337.16 196.70 Td (their ) Tj ET Q q 0 0 0 rg BT 357.52 196.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 394.53 196.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 434.34 196.70 Td (over ) Tj ET Q q 0 0 0 rg BT 454.14 196.70 Td (the ) Tj ET Q q 0 0 0 rg BT 468.39 196.70 Td (few ) Tj ET Q q 0 0 0 rg BT 485.41 196.70 Td (years ) Tj ET Q q 0 0 0 rg BT 508.55 196.70 Td (and ) Tj ET Q q 0 0 0 rg BT 525.02 196.70 Td (are ) Tj ET Q q 0 0 0 rg BT 539.26 196.70 Td (better ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.70 Td (positioned ) Tj ET Q q 0 0 0 rg BT 93.70 184.70 Td (to ) Tj ET Q q 0 0 0 rg BT 103.51 184.70 Td (compete ) Tj ET Q q 0 0 0 rg BT 139.41 184.70 Td (for ) Tj ET Q q 0 0 0 rg BT 153.10 184.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 178.74 184.70 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 228.54 184.70 Td (and ) Tj ET Q q 0 0 0 rg BT 245.01 184.70 Td (personnel. ) Tj ET Q q 0 0 0 rg BT 288.42 184.70 Td ( ) Tj ET Q q 0 0 0 rg BT 290.31 184.70 Td (The ) Tj ET Q q 0 0 0 rg BT 307.89 184.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 344.90 184.70 Td (services ) Tj ET Q q 0 0 0 rg BT 379.14 184.70 Td (industry ) Tj ET Q q 0 0 0 rg BT 413.94 184.70 Td (could ) Tj ET Q q 0 0 0 rg BT 438.19 184.70 Td (become ) Tj ET Q q 0 0 0 rg BT 471.32 184.70 Td (even ) Tj ET Q q 0 0 0 rg BT 492.23 184.70 Td (more ) Tj ET Q q 0 0 0 rg BT 514.80 184.70 Td (competitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.70 Td (as ) Tj ET Q q 0 0 0 rg BT 60.32 172.70 Td (a ) Tj ET Q q 0 0 0 rg BT 66.74 172.70 Td (result ) Tj ET Q q 0 0 0 rg BT 90.94 172.70 Td (of ) Tj ET Q q 0 0 0 rg BT 101.26 172.70 Td (legislative, ) Tj ET Q q 0 0 0 rg BT 146.85 172.70 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 189.93 172.70 Td (and ) Tj ET Q q 0 0 0 rg BT 206.35 172.70 Td (technological ) Tj ET Q q 0 0 0 rg BT 262.20 172.70 Td (changes ) Tj ET Q q 0 0 0 rg BT 296.40 172.70 Td (and ) Tj ET Q q 0 0 0 rg BT 312.82 172.70 Td (continued ) Tj ET Q q 0 0 0 rg BT 354.24 172.70 Td (consolidation. ) Tj ET Q q 0 0 0 rg BT 412.17 172.70 Td (Also, ) Tj ET Q q 0 0 0 rg BT 435.55 172.70 Td (technology ) Tj ET Q q 0 0 0 rg BT 481.97 172.70 Td (has ) Tj ET Q q 0 0 0 rg BT 497.29 172.70 Td (lowered ) Tj ET Q q 0 0 0 rg BT 531.48 172.70 Td (barriers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.70 Td (to ) Tj ET Q q 0 0 0 rg BT 61.01 160.70 Td (entry ) Tj ET Q q 0 0 0 rg BT 84.80 160.70 Td (and ) Tj ET Q q 0 0 0 rg BT 102.47 160.70 Td (made ) Tj ET Q q 0 0 0 rg BT 127.36 160.70 Td (it ) Tj ET Q q 0 0 0 rg BT 136.16 160.70 Td (possible ) Tj ET Q q 0 0 0 rg BT 172.17 160.70 Td (for ) Tj ET Q q 0 0 0 rg BT 187.07 160.70 Td (non-banks ) Tj ET Q q 0 0 0 rg BT 231.96 160.70 Td (to ) Tj ET Q q 0 0 0 rg BT 242.98 160.70 Td (of) Tj ET Q q 0 0 0 rg BT 251.13 160.70 Td (fer ) Tj ET Q q 0 0 0 rg BT 265.46 160.70 Td (products ) Tj ET Q q 0 0 0 rg BT 303.14 160.70 Td (and ) Tj ET Q q 0 0 0 rg BT 320.81 160.70 Td (services ) Tj ET Q q 0 0 0 rg BT 356.26 160.70 Td (traditionally ) Tj ET Q q 0 0 0 rg BT 408.37 160.70 Td (provided ) Tj ET Q q 0 0 0 rg BT 447.15 160.70 Td (by ) Tj ET Q q 0 0 0 rg BT 460.39 160.70 Td (banks, ) Tj ET Q q 0 0 0 rg BT 489.46 160.70 Td (such ) Tj ET Q q 0 0 0 rg BT 511.02 160.70 Td (as ) Tj ET Q q 0 0 0 rg BT 522.59 160.70 Td (automatic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.70 Td (transfer ) Tj ET Q q 0 0 0 rg BT 83.04 148.70 Td (and ) Tj ET Q q 0 0 0 rg BT 99.98 148.70 Td (payment ) Tj ET Q q 0 0 0 rg BT 136.91 148.70 Td (systems, ) Tj ET Q q 0 0 0 rg BT 173.58 148.70 Td (and ) Tj ET Q q 0 0 0 rg BT 190.52 148.70 Td (for ) Tj ET Q q 0 0 0 rg BT 204.68 148.70 Td (banks ) Tj ET Q q 0 0 0 rg BT 230.51 148.70 Td (that ) Tj ET Q q 0 0 0 rg BT 248.00 148.70 Td (do ) Tj ET Q q 0 0 0 rg BT 260.50 148.70 Td (not ) Tj ET Q q 0 0 0 rg BT 275.78 148.70 Td (have ) Tj ET Q q 0 0 0 rg BT 297.16 148.70 Td (a ) Tj ET Q q 0 0 0 rg BT 304.10 148.70 Td (physical ) Tj ET Q q 0 0 0 rg BT 339.92 148.70 Td (presence ) Tj ET Q q 0 0 0 rg BT 377.40 148.70 Td (in ) Tj ET Q q 0 0 0 rg BT 387.68 148.70 Td (our ) Tj ET Q q 0 0 0 rg BT 403.51 148.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 437.66 148.70 Td (to ) Tj ET Q q 0 0 0 rg BT 447.94 148.70 Td (compete ) Tj ET Q q 0 0 0 rg BT 484.31 148.70 Td (for ) Tj ET Q q 0 0 0 rg BT 498.47 148.70 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.30 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.05 122.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 96.10 122.30 Td (to ) Tj ET Q q 0 0 0 rg BT 106.38 122.30 Td (compete ) Tj ET Q q 0 0 0 rg BT 142.75 122.30 Td (successfully ) Tj ET Q q 0 0 0 rg BT 194.13 122.30 Td (depends ) Tj ET Q q 0 0 0 rg BT 229.40 122.30 Td (on ) Tj ET Q q 0 0 0 rg BT 241.90 122.30 Td (a ) Tj ET Q q 0 0 0 rg BT 248.84 122.30 Td (number ) Tj ET Q q 0 0 0 rg BT 281.88 122.30 Td (of ) Tj ET Q q 0 0 0 rg BT 292.71 122.30 Td (factors, ) Tj ET Q q 0 0 0 rg BT 324.92 122.30 Td (including, ) Tj ET Q q 0 0 0 rg BT 367.70 122.30 Td (among ) Tj ET Q q 0 0 0 rg BT 397.41 122.30 Td (other ) Tj ET Q q 0 0 0 rg BT 420.46 122.30 Td (things:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 104.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 104.90 Td (the ) Tj ET Q q 0 0 0 rg BT 90.53 104.90 Td (ability ) Tj ET Q q 0 0 0 rg BT 119.39 104.90 Td (to ) Tj ET Q q 0 0 0 rg BT 130.48 104.90 Td (develop, ) Tj ET Q q 0 0 0 rg BT 167.94 104.90 Td (maintain ) Tj ET Q q 0 0 0 rg BT 206.25 104.90 Td (and ) Tj ET Q q 0 0 0 rg BT 223.99 104.90 Td (build ) Tj ET Q q 0 0 0 rg BT 247.86 104.90 Td (upon ) Tj ET Q q 0 0 0 rg BT 271.17 104.90 Td (long-term ) Tj ET Q q 0 0 0 rg BT 313.92 104.90 Td (customer ) Tj ET Q q 0 0 0 rg BT 353.88 104.90 Td (relationships ) Tj ET Q q 0 0 0 rg BT 408.30 104.90 Td (based ) Tj ET Q q 0 0 0 rg BT 434.38 104.90 Td (on ) Tj ET Q q 0 0 0 rg BT 447.69 104.90 Td (top ) Tj ET Q q 0 0 0 rg BT 463.77 104.90 Td (quality ) Tj ET Q q 0 0 0 rg BT 494.86 104.90 Td (service ) Tj ET Q q 0 0 0 rg BT 526.48 104.90 Td (and ) Tj ET Q q 0 0 0 rg BT 544.23 104.90 Td (high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 87.50 Td (ethical ) Tj ET Q q 0 0 0 rg BT 104.15 87.50 Td (standards;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 70.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 70.10 Td (the scope, relevance and pricing of products and services of) Tj ET Q q 0 0 0 rg BT 313.61 70.10 Td (fered to meet customer needs and demands;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 52.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 52.70 Td (the ability to expand our market position;) Tj ET Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (25) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 742.10 Td (the ability to uphold our reputation in the marketplace;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 724.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 724.70 Td (the rate at which we introduce new products and services relative to our competitors;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 707.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 707.30 Td (customer satisfaction with our level of service; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 689.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 689.90 Td (industry and general economic trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 672.90 Td (If ) Tj ET Q q 0 0 0 rg BT 59.55 672.90 Td (we ) Tj ET Q q 0 0 0 rg BT 74.11 672.90 Td (are ) Tj ET Q q 0 0 0 rg BT 89.21 672.90 Td (unable ) Tj ET Q q 0 0 0 rg BT 118.76 672.90 Td (to ) Tj ET Q q 0 0 0 rg BT 129.43 672.90 Td (compete ) Tj ET Q q 0 0 0 rg BT 166.20 672.90 Td (ef) Tj ET Q q 0 0 0 rg BT 173.79 672.90 Td (fectively) Tj ET Q q 0 0 0 rg BT 208.12 672.90 Td (, ) Tj ET Q q 0 0 0 rg BT 213.51 672.90 Td (we ) Tj ET Q q 0 0 0 rg BT 228.07 672.90 Td (will ) Tj ET Q q 0 0 0 rg BT 246.52 672.90 Td (lose ) Tj ET Q q 0 0 0 rg BT 265.52 672.90 Td (market ) Tj ET Q q 0 0 0 rg BT 296.18 672.90 Td (share ) Tj ET Q q 0 0 0 rg BT 320.17 672.90 Td (and ) Tj ET Q q 0 0 0 rg BT 337.51 672.90 Td (income ) Tj ET Q q 0 0 0 rg BT 369.83 672.90 Td (from ) Tj ET Q q 0 0 0 rg BT 392.17 672.90 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 430.34 672.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 454.34 672.90 Td (and ) Tj ET Q q 0 0 0 rg BT 471.68 672.90 Td (other ) Tj ET Q q 0 0 0 rg BT 495.12 672.90 Td (products ) Tj ET Q q 0 0 0 rg BT 532.45 672.90 Td (may ) Tj ET Q q 0 0 0 rg BT 552.56 672.90 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 660.90 Td (reduced. ) Tj ET Q q 0 0 0 rg BT 86.49 660.90 Td (This ) Tj ET Q q 0 0 0 rg BT 106.80 660.90 Td (could ) Tj ET Q q 0 0 0 rg BT 131.55 660.90 Td (adversely ) Tj ET Q q 0 0 0 rg BT 172.39 660.90 Td (af) Tj ET Q q 0 0 0 rg BT 179.98 660.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 197.49 660.90 Td (our ) Tj ET Q q 0 0 0 rg BT 213.35 660.90 Td (profitability ) Tj ET Q q 0 0 0 rg BT 263.65 660.90 Td (and ) Tj ET Q q 0 0 0 rg BT 280.62 660.90 Td (have ) Tj ET Q q 0 0 0 rg BT 302.02 660.90 Td (a ) Tj ET Q q 0 0 0 rg BT 308.99 660.90 Td (material ) Tj ET Q q 0 0 0 rg BT 344.28 660.90 Td (adverse ) Tj ET Q q 0 0 0 rg BT 377.35 660.90 Td (ef) Tj ET Q q 0 0 0 rg BT 384.93 660.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 402.45 660.90 Td (on ) Tj ET Q q 0 0 0 rg BT 414.98 660.90 Td (our ) Tj ET Q q 0 0 0 rg BT 430.84 660.90 Td (business, ) Tj ET Q q 0 0 0 rg BT 469.76 660.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 507.27 660.90 Td (condition ) Tj ET Q q 0 0 0 rg BT 547.57 660.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 648.90 Td (results ) Tj ET Q q 0 0 0 rg BT 78.61 648.90 Td (of ) Tj ET Q q 0 0 0 rg BT 89.44 648.90 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 627.90 Td (If ) Tj ET Q q 0 0 0 rg BT 59.97 627.90 Td (we ) Tj ET Q q 0 0 0 rg BT 73.83 627.90 Td (are ) Tj ET Q q 0 0 0 rg BT 89.91 627.90 Td (unable ) Tj ET Q q 0 0 0 rg BT 121.00 627.90 Td (to ) Tj ET Q q 0 0 0 rg BT 131.52 627.90 Td (continue ) Tj ET Q q 0 0 0 rg BT 170.39 627.90 Td (to ) Tj ET Q q 0 0 0 rg BT 180.92 627.90 Td (identify ) Tj ET Q q 0 0 0 rg BT 214.77 627.90 Td (favorable ) Tj ET Q q 0 0 0 rg BT 256.40 627.90 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 308.60 627.90 Td (or ) Tj ET Q q 0 0 0 rg BT 320.24 627.90 Td (successfully ) Tj ET Q q 0 0 0 rg BT 372.43 627.90 Td (integrate ) Tj ET Q q 0 0 0 rg BT 411.85 627.90 Td (our ) Tj ET Q q 0 0 0 rg BT 429.05 627.90 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 483.75 627.90 Td (our ) Tj ET Q q 0 0 0 rg BT 500.96 627.90 Td (growth ) Tj ET Q q 0 0 0 rg BT 532.61 627.90 Td (may ) Tj ET Q q 0 0 0 rg BT 552.57 627.90 Td (be ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 615.90 Td (limited ) Tj ET Q q 0 0 0 rg BT 80.83 615.90 Td (and ) Tj ET Q q 0 0 0 rg BT 98.89 615.90 Td (our ) Tj ET Q q 0 0 0 rg BT 115.84 615.90 Td (results ) Tj ET Q q 0 0 0 rg BT 145.58 615.90 Td (of ) Tj ET Q q 0 0 0 rg BT 156.41 615.90 Td (operations ) Tj ET Q q 0 0 0 rg BT 202.25 615.90 Td (could ) Tj ET Q q 0 0 0 rg BT 227.52 615.90 Td (suf) Tj ET Q q 0 0 0 rg BT 240.13 615.90 Td (fer) Tj ET Q q 0 0 0 rg BT 251.24 615.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.90 Td (In ) Tj ET Q q 0 0 0 rg BT 59.81 598.90 Td (the ) Tj ET Q q 0 0 0 rg BT 73.51 598.90 Td (past ) Tj ET Q q 0 0 0 rg BT 91.10 598.90 Td (several ) Tj ET Q q 0 0 0 rg BT 120.89 598.90 Td (years, ) Tj ET Q q 0 0 0 rg BT 145.97 598.90 Td (we ) Tj ET Q q 0 0 0 rg BT 159.12 598.90 Td (have ) Tj ET Q q 0 0 0 rg BT 179.47 598.90 Td (completed ) Tj ET Q q 0 0 0 rg BT 222.60 598.90 Td (numerous ) Tj ET Q q 0 0 0 rg BT 263.52 598.90 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 312.78 598.90 Td (of ) Tj ET Q q 0 0 0 rg BT 322.59 598.90 Td (banks, ) Tj ET Q q 0 0 0 rg BT 349.90 598.90 Td (other ) Tj ET Q q 0 0 0 rg BT 371.93 598.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 408.39 598.90 Td (service ) Tj ET Q q 0 0 0 rg BT 438.19 598.90 Td (related ) Tj ET Q q 0 0 0 rg BT 466.87 598.90 Td (companies ) Tj ET Q q 0 0 0 rg BT 511.11 598.90 Td (and ) Tj ET Q q 0 0 0 rg BT 527.03 598.90 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.90 Td (service ) Tj ET Q q 0 0 0 rg BT 79.96 586.90 Td (related ) Tj ET Q q 0 0 0 rg BT 108.80 586.90 Td (assets, ) Tj ET Q q 0 0 0 rg BT 136.27 586.90 Td (including ) Tj ET Q q 0 0 0 rg BT 175.68 586.90 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 225.10 586.90 Td (of ) Tj ET Q q 0 0 0 rg BT 235.07 586.90 Td (troubled ) Tj ET Q q 0 0 0 rg BT 270.03 586.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 306.66 586.90 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 355.25 586.90 Td (as ) Tj ET Q q 0 0 0 rg BT 365.22 586.90 Td (more ) Tj ET Q q 0 0 0 rg BT 387.41 586.90 Td (fully ) Tj ET Q q 0 0 0 rg BT 407.93 586.90 Td (described ) Tj ET Q q 0 0 0 rg BT 447.89 586.90 Td (below) Tj ET Q q 0 0 0 rg BT 471.68 586.90 Td (. ) Tj ET Q q 0 0 0 rg BT 475.70 586.90 Td (W) Tj ET Q q 0 0 0 rg BT 484.34 586.90 Td (e ) Tj ET Q q 0 0 0 rg BT 490.42 586.90 Td (expect ) Tj ET Q q 0 0 0 rg BT 518.15 586.90 Td (to ) Tj ET Q q 0 0 0 rg BT 527.57 586.90 Td (continue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.90 Td (to ) Tj ET Q q 0 0 0 rg BT 59.94 574.90 Td (make ) Tj ET Q q 0 0 0 rg BT 83.75 574.90 Td (such ) Tj ET Q q 0 0 0 rg BT 104.24 574.90 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 154.18 574.90 Td (in ) Tj ET Q q 0 0 0 rg BT 164.11 574.90 Td (the ) Tj ET Q q 0 0 0 rg BT 178.49 574.90 Td (future. ) Tj ET Q q 0 0 0 rg BT 206.87 574.90 Td (W) Tj ET Q q 0 0 0 rg BT 215.91 574.90 Td (intrust ) Tj ET Q q 0 0 0 rg BT 243.63 574.90 Td (seeks ) Tj ET Q q 0 0 0 rg BT 267.44 574.90 Td (mer) Tj ET Q q 0 0 0 rg BT 282.81 574.90 Td (ger ) Tj ET Q q 0 0 0 rg BT 297.74 574.90 Td (or ) Tj ET Q q 0 0 0 rg BT 308.23 574.90 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 354.27 574.90 Td (partners ) Tj ET Q q 0 0 0 rg BT 388.64 574.90 Td (that ) Tj ET Q q 0 0 0 rg BT 405.79 574.90 Td (are ) Tj ET Q q 0 0 0 rg BT 420.16 574.90 Td (culturally ) Tj ET Q q 0 0 0 rg BT 460.64 574.90 Td (similar) Tj ET Q q 0 0 0 rg BT 488.01 574.90 Td (, ) Tj ET Q q 0 0 0 rg BT 492.67 574.90 Td (have ) Tj ET Q q 0 0 0 rg BT 513.71 574.90 Td (experienced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.90 Td (management, ) Tj ET Q q 0 0 0 rg BT 105.09 562.90 Td (possess ) Tj ET Q q 0 0 0 rg BT 136.60 562.90 Td (either ) Tj ET Q q 0 0 0 rg BT 160.87 562.90 Td (significant ) Tj ET Q q 0 0 0 rg BT 204.59 562.90 Td (market ) Tj ET Q q 0 0 0 rg BT 233.86 562.90 Td (presence ) Tj ET Q q 0 0 0 rg BT 270.34 562.90 Td (or ) Tj ET Q q 0 0 0 rg BT 280.18 562.90 Td (have ) Tj ET Q q 0 0 0 rg BT 300.56 562.90 Td (potential ) Tj ET Q q 0 0 0 rg BT 337.05 562.90 Td (for ) Tj ET Q q 0 0 0 rg BT 350.22 562.90 Td (improved ) Tj ET Q q 0 0 0 rg BT 390.05 562.90 Td (profitability ) Tj ET Q q 0 0 0 rg BT 439.32 562.90 Td (through ) Tj ET Q q 0 0 0 rg BT 471.94 562.90 Td (financial ) Tj ET Q q 0 0 0 rg BT 508.42 562.90 Td (management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.90 Td (economies ) Tj ET Q q 0 0 0 rg BT 95.23 550.90 Td (of ) Tj ET Q q 0 0 0 rg BT 106.02 550.90 Td (scale ) Tj ET Q q 0 0 0 rg BT 128.47 550.90 Td (or ) Tj ET Q q 0 0 0 rg BT 139.26 550.90 Td (expanded ) Tj ET Q q 0 0 0 rg BT 180.04 550.90 Td (services. ) Tj ET Q q 0 0 0 rg BT 217.21 550.90 Td (Failure ) Tj ET Q q 0 0 0 rg BT 248.00 550.90 Td (to ) Tj ET Q q 0 0 0 rg BT 258.24 550.90 Td (successfully ) Tj ET Q q 0 0 0 rg BT 309.58 550.90 Td (identify ) Tj ET Q q 0 0 0 rg BT 343.15 550.90 Td (and ) Tj ET Q q 0 0 0 rg BT 360.05 550.90 Td (complete ) Tj ET Q q 0 0 0 rg BT 399.17 550.90 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 449.40 550.90 Td (likely ) Tj ET Q q 0 0 0 rg BT 474.64 550.90 Td (will ) Tj ET Q q 0 0 0 rg BT 492.66 550.90 Td (result ) Tj ET Q q 0 0 0 rg BT 517.34 550.90 Td (in ) Tj ET Q q 0 0 0 rg BT 527.40 550.90 Td (W) Tj ET Q q 0 0 0 rg BT 536.44 550.90 Td (intrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.90 Td (achieving ) Tj ET Q q 0 0 0 rg BT 93.14 538.90 Td (slower ) Tj ET Q q 0 0 0 rg BT 124.06 538.90 Td (growth. ) Tj ET Q q 0 0 0 rg BT 158.21 538.90 Td (Acquiring ) Tj ET Q q 0 0 0 rg BT 203.03 538.90 Td (other ) Tj ET Q q 0 0 0 rg BT 227.84 538.90 Td (banks, ) Tj ET Q q 0 0 0 rg BT 257.93 538.90 Td (businesses ) Tj ET Q q 0 0 0 rg BT 304.42 538.90 Td (or ) Tj ET Q q 0 0 0 rg BT 317.01 538.90 Td (branches ) Tj ET Q q 0 0 0 rg BT 356.82 538.90 Td (involves ) Tj ET Q q 0 0 0 rg BT 394.97 538.90 Td (various ) Tj ET Q q 0 0 0 rg BT 428.67 538.90 Td (risks ) Tj ET Q q 0 0 0 rg BT 451.83 538.90 Td (commonly ) Tj ET Q q 0 0 0 rg BT 498.86 538.90 Td (associated ) Tj ET Q q 0 0 0 rg BT 544.22 538.90 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.90 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 102.77 526.90 Td (including, ) Tj ET Q q 0 0 0 rg BT 145.55 526.90 Td (among ) Tj ET Q q 0 0 0 rg BT 175.26 526.90 Td (other ) Tj ET Q q 0 0 0 rg BT 198.31 526.90 Td (things:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 509.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 509.50 Td (potential exposure to unknown or contingent liabilities or asset quality issues of the tar) Tj ET Q q 0 0 0 rg BT 421.69 509.50 Td (get company;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 492.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 492.10 Td (failure to adequately estimate the level of loan losses at the tar) Tj ET Q q 0 0 0 rg BT 323.89 492.10 Td (get company;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 474.70 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 474.70 Td (dif) Tj ET Q q 0 0 0 rg BT 85.93 474.70 Td (ficulty and expense of integrating the operations and personnel of the tar) Tj ET Q q 0 0 0 rg BT 375.93 474.70 Td (get company;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 457.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 457.30 Td (potential disruption to our business, including diversion of our management's time and attention;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 439.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 439.90 Td (the possible loss of key employees and customers of the tar) Tj ET Q q 0 0 0 rg BT 311.99 439.90 Td (get company;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 422.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 422.50 Td (dif) Tj ET Q q 0 0 0 rg BT 85.93 422.50 Td (ficulty in estimating the value of the tar) Tj ET Q q 0 0 0 rg BT 243.75 422.50 Td (get company; and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.00 405.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 405.10 Td (potential changes in banking or tax laws or regulations that may af) Tj ET Q q 0 0 0 rg BT 341.13 405.10 Td (fect the tar) Tj ET Q q 0 0 0 rg BT 383.70 405.10 Td (get company) Tj ET Q q 0 0 0 rg BT 434.42 405.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (Acquisitions ) Tj ET Q q 0 0 0 rg BT 102.60 388.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 139.63 388.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 171.66 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.92 388.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 222.39 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.76 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 239.24 388.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 277.38 388.10 Td (over ) Tj ET Q q 0 0 0 rg BT 297.19 388.10 Td (book ) Tj ET Q q 0 0 0 rg BT 319.23 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.71 388.10 Td (market ) Tj ET Q q 0 0 0 rg BT 365.52 388.10 Td (values, ) Tj ET Q q 0 0 0 rg BT 395.60 388.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 414.58 388.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 455.21 388.10 Td (some ) Tj ET Q q 0 0 0 rg BT 478.35 388.10 Td (dilution ) Tj ET Q q 0 0 0 rg BT 511.51 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.73 388.10 Td (W) Tj ET Q q 0 0 0 rg BT 530.77 388.10 Td (intrust's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 83.51 376.10 Td (book ) Tj ET Q q 0 0 0 rg BT 104.80 376.10 Td (value ) Tj ET Q q 0 0 0 rg BT 127.75 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.48 376.10 Td (net ) Tj ET Q q 0 0 0 rg BT 156.99 376.10 Td (income ) Tj ET Q q 0 0 0 rg BT 187.72 376.10 Td (per ) Tj ET Q q 0 0 0 rg BT 201.78 376.10 Td (common ) Tj ET Q q 0 0 0 rg BT 238.07 376.10 Td (share ) Tj ET Q q 0 0 0 rg BT 260.46 376.10 Td (may ) Tj ET Q q 0 0 0 rg BT 278.97 376.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 302.48 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 312.10 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 317.83 376.10 Td (result ) Tj ET Q q 0 0 0 rg BT 341.34 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.97 376.10 Td (any ) Tj ET Q q 0 0 0 rg BT 366.70 376.10 Td (future ) Tj ET Q q 0 0 0 rg BT 391.87 376.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 439.54 376.10 Td (In ) Tj ET Q q 0 0 0 rg BT 449.16 376.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 485.73 376.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 514.22 376.10 Td (acquisitions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.09 364.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 98.74 364.10 Td (us ) Tj ET Q q 0 0 0 rg BT 109.51 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 119.16 364.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 161.03 364.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 204.00 364.10 Td (risks, ) Tj ET Q q 0 0 0 rg BT 227.27 364.10 Td (including ) Tj ET Q q 0 0 0 rg BT 266.92 364.10 Td (from ) Tj ET Q q 0 0 0 rg BT 288.23 364.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 318.98 364.10 Td (governments. ) Tj ET Q q 0 0 0 rg BT 375.02 364.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 392.44 364.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 419.87 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 429.53 364.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 461.40 364.10 Td (with ) Tj ET Q q 0 0 0 rg BT 481.05 364.10 Td (any ) Tj ET Q q 0 0 0 rg BT 497.37 364.10 Td (such ) Tj ET Q q 0 0 0 rg BT 517.58 364.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.82 352.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 99.30 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.78 352.10 Td (success ) Tj ET Q q 0 0 0 rg BT 148.04 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.63 352.10 Td (any ) Tj ET Q q 0 0 0 rg BT 177.34 352.10 Td (such ) Tj ET Q q 0 0 0 rg BT 198.93 352.10 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 252.47 352.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 308.22 352.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 337.58 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.63 352.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 378.53 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.02 352.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 432.81 352.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 467.72 352.10 Td (increases, ) Tj ET Q q 0 0 0 rg BT 510.14 352.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 529.51 352.10 Td (savings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 89.60 340.10 Td (in ) Tj ET Q q 0 0 0 rg BT 100.34 340.10 Td (geographic ) Tj ET Q q 0 0 0 rg BT 147.72 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 159.00 340.10 Td (product ) Tj ET Q q 0 0 0 rg BT 192.51 340.10 Td (presence, ) Tj ET Q q 0 0 0 rg BT 232.94 340.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 261.44 340.10 Td (other ) Tj ET Q q 0 0 0 rg BT 284.95 340.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 325.10 340.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 359.72 340.10 Td (from ) Tj ET Q q 0 0 0 rg BT 382.11 340.10 Td (an ) Tj ET Q q 0 0 0 rg BT 394.51 340.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 441.35 340.10 Td (could ) Tj ET Q q 0 0 0 rg BT 466.52 340.10 Td (have ) Tj ET Q q 0 0 0 rg BT 488.35 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 495.75 340.10 Td (material ) Tj ET Q q 0 0 0 rg BT 531.46 340.10 Td (adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 328.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 328.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 103.40 328.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 140.88 328.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 181.16 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.10 328.10 Td (results ) Tj ET Q q 0 0 0 rg BT 226.70 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.53 328.10 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 301.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.03 301.70 Td (participation ) Tj ET Q q 0 0 0 rg BT 122.16 301.70 Td (in ) Tj ET Q q 0 0 0 rg BT 131.86 301.70 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 192.66 301.70 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 243.47 301.70 Td (may ) Tj ET Q q 0 0 0 rg BT 262.04 301.70 Td (present ) Tj ET Q q 0 0 0 rg BT 293.39 301.70 Td (additional ) Tj ET Q q 0 0 0 rg BT 336.42 301.70 Td (risks ) Tj ET Q q 0 0 0 rg BT 357.23 301.70 Td (to ) Tj ET Q q 0 0 0 rg BT 366.36 301.70 Td (our ) Tj ET Q q 0 0 0 rg BT 382.16 301.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 420.74 301.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 460.99 301.70 Td (and ) Tj ET Q q 0 0 0 rg BT 477.91 301.70 Td (results ) Tj ET Q q 0 0 0 rg BT 506.49 301.70 Td (of ) Tj ET Q q 0 0 0 rg BT 516.17 301.70 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.70 Td (As ) Tj ET Q q 0 0 0 rg BT 63.87 284.70 Td (part ) Tj ET Q q 0 0 0 rg BT 82.18 284.70 Td (of ) Tj ET Q q 0 0 0 rg BT 93.27 284.70 Td (our ) Tj ET Q q 0 0 0 rg BT 109.37 284.70 Td (growth ) Tj ET Q q 0 0 0 rg BT 140.46 284.70 Td (strategy) Tj ET Q q 0 0 0 rg BT 171.46 284.70 Td (, ) Tj ET Q q 0 0 0 rg BT 176.72 284.70 Td (we ) Tj ET Q q 0 0 0 rg BT 191.15 284.70 Td (have ) Tj ET Q q 0 0 0 rg BT 212.78 284.70 Td (made ) Tj ET Q q 0 0 0 rg BT 237.20 284.70 Td (opportunistic ) Tj ET Q q 0 0 0 rg BT 292.73 284.70 Td (partial ) Tj ET Q q 0 0 0 rg BT 321.04 284.70 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 371.57 284.70 Td (of ) Tj ET Q q 0 0 0 rg BT 382.66 284.70 Td (troubled ) Tj ET Q q 0 0 0 rg BT 418.75 284.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 456.49 284.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 503.71 284.70 Td (in ) Tj ET Q q 0 0 0 rg BT 514.25 284.70 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 272.70 Td (facilitated ) Tj ET Q q 0 0 0 rg BT 93.28 272.70 Td (by ) Tj ET Q q 0 0 0 rg BT 106.59 272.70 Td (the ) Tj ET Q q 0 0 0 rg BT 122.11 272.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 148.20 272.70 Td (through ) Tj ET Q q 0 0 0 rg BT 182.62 272.70 Td (our ) Tj ET Q q 0 0 0 rg BT 199.26 272.70 Td (bank ) Tj ET Q q 0 0 0 rg BT 222.00 272.70 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 274.79 272.70 Td (These ) Tj ET Q q 0 0 0 rg BT 301.97 272.70 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 355.55 272.70 Td (and ) Tj ET Q q 0 0 0 rg BT 373.30 272.70 Td (any ) Tj ET Q q 0 0 0 rg BT 391.04 272.70 Td (future ) Tj ET Q q 0 0 0 rg BT 418.23 272.70 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 478.76 272.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 529.83 272.70 Td (we ) Tj ET Q q 0 0 0 rg BT 544.79 272.70 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.70 Td (undertake, ) Tj ET Q q 0 0 0 rg BT 93.94 260.70 Td (involve ) Tj ET Q q 0 0 0 rg BT 125.95 260.70 Td (greater ) Tj ET Q q 0 0 0 rg BT 155.71 260.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 172.73 260.70 Td (than ) Tj ET Q q 0 0 0 rg BT 191.96 260.70 Td (traditional ) Tj ET Q q 0 0 0 rg BT 235.07 260.70 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 284.85 260.70 Td (because ) Tj ET Q q 0 0 0 rg BT 318.51 260.70 Td (they ) Tj ET Q q 0 0 0 rg BT 337.74 260.70 Td (are ) Tj ET Q q 0 0 0 rg BT 351.96 260.70 Td (typically ) Tj ET Q q 0 0 0 rg BT 388.97 260.70 Td (conducted ) Tj ET Q q 0 0 0 rg BT 432.07 260.70 Td (on ) Tj ET Q q 0 0 0 rg BT 444.09 260.70 Td (an ) Tj ET Q q 0 0 0 rg BT 455.54 260.70 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 502.51 260.70 Td (basis, ) Tj ET Q q 0 0 0 rg BT 527.02 260.70 Td (allowing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.70 Td (less ) Tj ET Q q 0 0 0 rg BT 67.92 248.70 Td (time ) Tj ET Q q 0 0 0 rg BT 88.62 248.70 Td (for ) Tj ET Q q 0 0 0 rg BT 103.21 248.70 Td (us ) Tj ET Q q 0 0 0 rg BT 115.02 248.70 Td (to ) Tj ET Q q 0 0 0 rg BT 125.73 248.70 Td (prepare ) Tj ET Q q 0 0 0 rg BT 158.63 248.70 Td (for ) Tj ET Q q 0 0 0 rg BT 173.21 248.70 Td (and ) Tj ET Q q 0 0 0 rg BT 190.58 248.70 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 226.81 248.70 Td (possible ) Tj ET Q q 0 0 0 rg BT 262.51 248.70 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 315.70 248.70 Td (or ) Tj ET Q q 0 0 0 rg BT 326.96 248.70 Td (to ) Tj ET Q q 0 0 0 rg BT 337.66 248.70 Td (prepare ) Tj ET Q q 0 0 0 rg BT 370.56 248.70 Td (for ) Tj ET Q q 0 0 0 rg BT 385.15 248.70 Td (integration ) Tj ET Q q 0 0 0 rg BT 431.39 248.70 Td (of ) Tj ET Q q 0 0 0 rg BT 442.65 248.70 Td (an ) Tj ET Q q 0 0 0 rg BT 455.01 248.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 492.36 248.70 Td (institution. ) Tj ET Q q 0 0 0 rg BT 538.13 248.70 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 99.80 236.70 Td (also ) Tj ET Q q 0 0 0 rg BT 117.95 236.70 Td (present ) Tj ET Q q 0 0 0 rg BT 148.86 236.70 Td (risks ) Tj ET Q q 0 0 0 rg BT 169.79 236.70 Td (of ) Tj ET Q q 0 0 0 rg BT 180.16 236.70 Td (customer ) Tj ET Q q 0 0 0 rg BT 218.86 236.70 Td (loss, ) Tj ET Q q 0 0 0 rg BT 238.96 236.70 Td (strain ) Tj ET Q q 0 0 0 rg BT 263.21 236.70 Td (on ) Tj ET Q q 0 0 0 rg BT 275.25 236.70 Td (management ) Tj ET Q q 0 0 0 rg BT 328.38 236.70 Td (resources ) Tj ET Q q 0 0 0 rg BT 368.18 236.70 Td (related ) Tj ET Q q 0 0 0 rg BT 397.42 236.70 Td (to ) Tj ET Q q 0 0 0 rg BT 407.23 236.70 Td (collection ) Tj ET Q q 0 0 0 rg BT 448.70 236.70 Td (and ) Tj ET Q q 0 0 0 rg BT 465.18 236.70 Td (management ) Tj ET Q q 0 0 0 rg BT 518.31 236.70 Td (of ) Tj ET Q q 0 0 0 rg BT 528.67 236.70 Td (problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.68 224.70 Td (and ) Tj ET Q q 0 0 0 rg BT 90.69 224.70 Td (problems ) Tj ET Q q 0 0 0 rg BT 130.47 224.70 Td (related ) Tj ET Q q 0 0 0 rg BT 160.25 224.70 Td (to ) Tj ET Q q 0 0 0 rg BT 170.59 224.70 Td (the ) Tj ET Q q 0 0 0 rg BT 185.38 224.70 Td (integration ) Tj ET Q q 0 0 0 rg BT 231.27 224.70 Td (of ) Tj ET Q q 0 0 0 rg BT 242.17 224.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 286.40 224.70 Td (and ) Tj ET Q q 0 0 0 rg BT 303.40 224.70 Td (personnel ) Tj ET Q q 0 0 0 rg BT 344.85 224.70 Td (of ) Tj ET Q q 0 0 0 rg BT 355.75 224.70 Td (the ) Tj ET Q q 0 0 0 rg BT 370.54 224.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 407.53 224.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 445.08 224.70 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 494.04 224.70 Td (As ) Tj ET Q q 0 0 0 rg BT 507.72 224.70 Td (a ) Tj ET Q q 0 0 0 rg BT 514.73 224.70 Td (result, ) Tj ET Q q 0 0 0 rg BT 542.01 224.70 Td (there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.70 Td (can ) Tj ET Q q 0 0 0 rg BT 66.39 212.70 Td (be ) Tj ET Q q 0 0 0 rg BT 78.34 212.70 Td (no ) Tj ET Q q 0 0 0 rg BT 90.85 212.70 Td (assurance ) Tj ET Q q 0 0 0 rg BT 132.23 212.70 Td (that ) Tj ET Q q 0 0 0 rg BT 149.73 212.70 Td (we ) Tj ET Q q 0 0 0 rg BT 163.91 212.70 Td (will ) Tj ET Q q 0 0 0 rg BT 181.97 212.70 Td (be ) Tj ET Q q 0 0 0 rg BT 193.92 212.70 Td (able ) Tj ET Q q 0 0 0 rg BT 213.09 212.70 Td (to ) Tj ET Q q 0 0 0 rg BT 223.38 212.70 Td (successfully ) Tj ET Q q 0 0 0 rg BT 274.77 212.70 Td (integrate ) Tj ET Q q 0 0 0 rg BT 312.26 212.70 Td (the ) Tj ET Q q 0 0 0 rg BT 326.99 212.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 364.48 212.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 411.44 212.70 Td (we ) Tj ET Q q 0 0 0 rg BT 425.61 212.70 Td (acquire, ) Tj ET Q q 0 0 0 rg BT 460.05 212.70 Td (or ) Tj ET Q q 0 0 0 rg BT 470.89 212.70 Td (that ) Tj ET Q q 0 0 0 rg BT 488.40 212.70 Td (we ) Tj ET Q q 0 0 0 rg BT 502.57 212.70 Td (will ) Tj ET Q q 0 0 0 rg BT 520.64 212.70 Td (realize ) Tj ET Q q 0 0 0 rg BT 549.79 212.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.70 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 96.84 200.70 Td (benefits ) Tj ET Q q 0 0 0 rg BT 131.46 200.70 Td (of ) Tj ET Q q 0 0 0 rg BT 142.76 200.70 Td (the ) Tj ET Q q 0 0 0 rg BT 157.94 200.70 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 210.53 200.70 Td (Additionally) Tj ET Q q 0 0 0 rg BT 260.43 200.70 Td (, ) Tj ET Q q 0 0 0 rg BT 265.90 200.70 Td (while ) Tj ET Q q 0 0 0 rg BT 291.09 200.70 Td (the ) Tj ET Q q 0 0 0 rg BT 306.27 200.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 332.03 200.70 Td (may ) Tj ET Q q 0 0 0 rg BT 352.21 200.70 Td (agree ) Tj ET Q q 0 0 0 rg BT 376.83 200.70 Td (to ) Tj ET Q q 0 0 0 rg BT 387.57 200.70 Td (assume ) Tj ET Q q 0 0 0 rg BT 419.98 200.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 450.15 200.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 477.01 200.70 Td (in ) Tj ET Q q 0 0 0 rg BT 487.76 200.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 538.49 200.70 Td (that ) Tj ET Q q 0 0 0 rg BT 556.45 200.70 Td (it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.70 Td (facilitates, ) Tj ET Q q 0 0 0 rg BT 93.83 188.70 Td (there ) Tj ET Q q 0 0 0 rg BT 116.28 188.70 Td (can ) Tj ET Q q 0 0 0 rg BT 132.62 188.70 Td (be ) Tj ET Q q 0 0 0 rg BT 144.52 188.70 Td (no ) Tj ET Q q 0 0 0 rg BT 156.98 188.70 Td (assurances ) Tj ET Q q 0 0 0 rg BT 202.21 188.70 Td (that ) Tj ET Q q 0 0 0 rg BT 219.67 188.70 Td (we ) Tj ET Q q 0 0 0 rg BT 233.79 188.70 Td (would ) Tj ET Q q 0 0 0 rg BT 261.25 188.70 Td (not ) Tj ET Q q 0 0 0 rg BT 276.49 188.70 Td (be ) Tj ET Q q 0 0 0 rg BT 288.40 188.70 Td (required ) Tj ET Q q 0 0 0 rg BT 324.17 188.70 Td (to ) Tj ET Q q 0 0 0 rg BT 334.42 188.70 Td (raise ) Tj ET Q q 0 0 0 rg BT 355.76 188.70 Td (additional ) Tj ET Q q 0 0 0 rg BT 398.21 188.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 427.32 188.70 Td (as ) Tj ET Q q 0 0 0 rg BT 438.12 188.70 Td (a ) Tj ET Q q 0 0 0 rg BT 445.02 188.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 485.26 188.70 Td (to, ) Tj ET Q q 0 0 0 rg BT 498.00 188.70 Td (or ) Tj ET Q q 0 0 0 rg BT 508.79 188.70 Td (as ) Tj ET Q q 0 0 0 rg BT 519.58 188.70 Td (a ) Tj ET Q q 0 0 0 rg BT 526.49 188.70 Td (result ) Tj ET Q q 0 0 0 rg BT 551.17 188.70 Td (of, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.70 Td (participation ) Tj ET Q q 0 0 0 rg BT 103.47 176.70 Td (in ) Tj ET Q q 0 0 0 rg BT 114.19 176.70 Td (an ) Tj ET Q q 0 0 0 rg BT 126.56 176.70 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 186.72 176.70 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 235.38 176.70 Td (Any ) Tj ET Q q 0 0 0 rg BT 255.54 176.70 Td (such ) Tj ET Q q 0 0 0 rg BT 276.81 176.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 327.51 176.70 Td (and ) Tj ET Q q 0 0 0 rg BT 344.89 176.70 Td (related ) Tj ET Q q 0 0 0 rg BT 375.03 176.70 Td (issuances ) Tj ET Q q 0 0 0 rg BT 415.73 176.70 Td (of ) Tj ET Q q 0 0 0 rg BT 427.00 176.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 451.04 176.70 Td (may ) Tj ET Q q 0 0 0 rg BT 471.20 176.70 Td (have ) Tj ET Q q 0 0 0 rg BT 493.01 176.70 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 526.50 176.70 Td (ef) Tj ET Q q 0 0 0 rg BT 534.09 176.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.01 176.70 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.70 Td (earnings ) Tj ET Q q 0 0 0 rg BT 85.68 164.70 Td (per ) Tj ET Q q 0 0 0 rg BT 100.25 164.70 Td (share. ) Tj ET Q q 0 0 0 rg BT 125.65 164.70 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 179.93 164.70 Td (we ) Tj ET Q q 0 0 0 rg BT 193.39 164.70 Td (may ) Tj ET Q q 0 0 0 rg BT 212.41 164.70 Td (face ) Tj ET Q q 0 0 0 rg BT 230.86 164.70 Td (competition ) Tj ET Q q 0 0 0 rg BT 280.43 164.70 Td (from ) Tj ET Q q 0 0 0 rg BT 301.67 164.70 Td (other ) Tj ET Q q 0 0 0 rg BT 324.01 164.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 360.79 164.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 407.05 164.70 Td (with ) Tj ET Q q 0 0 0 rg BT 426.63 164.70 Td (respect ) Tj ET Q q 0 0 0 rg BT 456.74 164.70 Td (to ) Tj ET Q q 0 0 0 rg BT 466.32 164.70 Td (proposed ) Tj ET Q q 0 0 0 rg BT 504.78 164.70 Td (FDIC-assisted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.70 Td (transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 135.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 135.70 Td (e ) Tj ET Q q 0 0 0 rg BT 65.94 135.70 Td (are ) Tj ET Q q 0 0 0 rg BT 81.01 135.70 Td (also ) Tj ET Q q 0 0 0 rg BT 99.99 135.70 Td (subject ) Tj ET Q q 0 0 0 rg BT 131.18 135.70 Td (to ) Tj ET Q q 0 0 0 rg BT 141.82 135.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 171.89 135.70 Td (risks ) Tj ET Q q 0 0 0 rg BT 193.65 135.70 Td (relating ) Tj ET Q q 0 0 0 rg BT 227.05 135.70 Td (to ) Tj ET Q q 0 0 0 rg BT 237.70 135.70 Td (our ) Tj ET Q q 0 0 0 rg BT 253.89 135.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 272.32 135.70 Td (sharing ) Tj ET Q q 0 0 0 rg BT 304.62 135.70 Td (agreements ) Tj ET Q q 0 0 0 rg BT 353.02 135.70 Td (with ) Tj ET Q q 0 0 0 rg BT 373.66 135.70 Td (the ) Tj ET Q q 0 0 0 rg BT 388.75 135.70 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 416.89 135.70 Td (Under ) Tj ET Q q 0 0 0 rg BT 444.75 135.70 Td (a ) Tj ET Q q 0 0 0 rg BT 452.05 135.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 470.48 135.70 Td (sharing ) Tj ET Q q 0 0 0 rg BT 502.78 135.70 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 549.79 135.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 123.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 74.42 123.70 Td (generally ) Tj ET Q q 0 0 0 rg BT 113.26 123.70 Td (agrees ) Tj ET Q q 0 0 0 rg BT 140.44 123.70 Td (to ) Tj ET Q q 0 0 0 rg BT 149.85 123.70 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 191.48 123.70 Td (the ) Tj ET Q q 0 0 0 rg BT 205.33 123.70 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 244.73 123.70 Td (bank ) Tj ET Q q 0 0 0 rg BT 265.81 123.70 Td (for ) Tj ET Q q 0 0 0 rg BT 279.11 123.70 Td (a ) Tj ET Q q 0 0 0 rg BT 285.19 123.70 Td (portion ) Tj ET Q q 0 0 0 rg BT 315.71 123.70 Td (of ) Tj ET Q q 0 0 0 rg BT 325.68 123.70 Td (any ) Tj ET Q q 0 0 0 rg BT 341.76 123.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 367.29 123.70 Td (relating ) Tj ET Q q 0 0 0 rg BT 399.47 123.70 Td (to ) Tj ET Q q 0 0 0 rg BT 408.88 123.70 Td (covered ) Tj ET Q q 0 0 0 rg BT 442.17 123.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 467.13 123.70 Td (of ) Tj ET Q q 0 0 0 rg BT 477.10 123.70 Td (the ) Tj ET Q q 0 0 0 rg BT 490.96 123.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 527.02 123.70 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 111.70 Td (institution. ) Tj ET Q q 0 0 0 rg BT 94.70 111.70 Td (This ) Tj ET Q q 0 0 0 rg BT 114.25 111.70 Td (is ) Tj ET Q q 0 0 0 rg BT 122.68 111.70 Td (an ) Tj ET Q q 0 0 0 rg BT 133.89 111.70 Td (important ) Tj ET Q q 0 0 0 rg BT 174.54 111.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 211.28 111.70 Td (term ) Tj ET Q q 0 0 0 rg BT 231.37 111.70 Td (of ) Tj ET Q q 0 0 0 rg BT 241.47 111.70 Td (any ) Tj ET Q q 0 0 0 rg BT 257.68 111.70 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 316.66 111.70 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 364.80 111.70 Td (as ) Tj ET Q q 0 0 0 rg BT 374.90 111.70 Td (troubled ) Tj ET Q q 0 0 0 rg BT 409.99 111.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 446.74 111.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 492.96 111.70 Td (often ) Tj ET Q q 0 0 0 rg BT 515.27 111.70 Td (have ) Tj ET Q q 0 0 0 rg BT 535.92 111.70 Td (poorer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 99.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 73.52 99.70 Td (quality) Tj ET Q q 0 0 0 rg BT 100.64 99.70 Td (. ) Tj ET Q q 0 0 0 rg BT 106.32 99.70 Td (As ) Tj ET Q q 0 0 0 rg BT 121.51 99.70 Td (a ) Tj ET Q q 0 0 0 rg BT 130.03 99.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 171.89 99.70 Td (to ) Tj ET Q q 0 0 0 rg BT 183.74 99.70 Td (reimbursement, ) Tj ET Q q 0 0 0 rg BT 250.30 99.70 Td (however) Tj ET Q q 0 0 0 rg BT 284.33 99.70 Td (, ) Tj ET Q q 0 0 0 rg BT 290.91 99.70 Td (the ) Tj ET Q q 0 0 0 rg BT 307.21 99.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 334.07 99.70 Td (requires ) Tj ET Q q 0 0 0 rg BT 370.36 99.70 Td (the ) Tj ET Q q 0 0 0 rg BT 386.65 99.70 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 428.50 99.70 Td (bank ) Tj ET Q q 0 0 0 rg BT 452.01 99.70 Td (to ) Tj ET Q q 0 0 0 rg BT 463.87 99.70 Td (follow ) Tj ET Q q 0 0 0 rg BT 494.06 99.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 525.34 99.70 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 87.70 Td (procedures. ) Tj ET Q q 0 0 0 rg BT 98.16 87.70 Td (A) Tj ET Q q 0 0 0 rg BT 104.83 87.70 Td ( ) Tj ET Q q 0 0 0 rg BT 107.14 87.70 Td (failure ) Tj ET Q q 0 0 0 rg BT 135.54 87.70 Td (to ) Tj ET Q q 0 0 0 rg BT 145.62 87.70 Td (follow ) Tj ET Q q 0 0 0 rg BT 174.04 87.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 213.00 87.70 Td (procedures ) Tj ET Q q 0 0 0 rg BT 259.17 87.70 Td (or ) Tj ET Q q 0 0 0 rg BT 269.81 87.70 Td (any ) Tj ET Q q 0 0 0 rg BT 286.55 87.70 Td (other ) Tj ET Q q 0 0 0 rg BT 309.41 87.70 Td (breach ) Tj ET Q q 0 0 0 rg BT 338.36 87.70 Td (of ) Tj ET Q q 0 0 0 rg BT 349.00 87.70 Td (a ) Tj ET Q q 0 0 0 rg BT 355.74 87.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 373.61 87.70 Td (sharing ) Tj ET Q q 0 0 0 rg BT 405.35 87.70 Td (agreement ) Tj ET Q q 0 0 0 rg BT 449.30 87.70 Td (by ) Tj ET Q q 0 0 0 rg BT 461.61 87.70 Td (us ) Tj ET Q q 0 0 0 rg BT 472.80 87.70 Td (could ) Tj ET Q q 0 0 0 rg BT 497.33 87.70 Td (result ) Tj ET Q q 0 0 0 rg BT 521.85 87.70 Td (in ) Tj ET Q q 0 0 0 rg BT 531.93 87.70 Td (the ) Tj ET Q q 0 0 0 rg BT 546.46 87.70 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 75.70 Td (of ) Tj ET Q q 0 0 0 rg BT 61.16 75.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 86.77 75.70 Td (reimbursement. ) Tj ET Q q 0 0 0 rg BT 151.88 75.70 Td (While ) Tj ET Q q 0 0 0 rg BT 179.14 75.70 Td (we ) Tj ET Q q 0 0 0 rg BT 193.63 75.70 Td (have ) Tj ET Q q 0 0 0 rg BT 215.33 75.70 Td (established ) Tj ET Q q 0 0 0 rg BT 262.59 75.70 Td (a ) Tj ET Q q 0 0 0 rg BT 269.86 75.70 Td (group ) Tj ET Q q 0 0 0 rg BT 296.02 75.70 Td (dedicated ) Tj ET Q q 0 0 0 rg BT 337.16 75.70 Td (to ) Tj ET Q q 0 0 0 rg BT 347.77 75.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 387.25 75.70 Td (the ) Tj ET Q q 0 0 0 rg BT 402.29 75.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 426.23 75.70 Td (covered ) Tj ET Q q 0 0 0 rg BT 460.71 75.70 Td (by ) Tj ET Q q 0 0 0 rg BT 473.53 75.70 Td (the ) Tj ET Q q 0 0 0 rg BT 488.58 75.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 514.19 75.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 532.58 75.70 Td (sharing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 63.70 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 99.74 63.70 Td (there ) Tj ET Q q 0 0 0 rg BT 121.43 63.70 Td (can ) Tj ET Q q 0 0 0 rg BT 137.01 63.70 Td (be ) Tj ET Q q 0 0 0 rg BT 148.16 63.70 Td (no ) Tj ET Q q 0 0 0 rg BT 159.87 63.70 Td (assurance ) Tj ET Q q 0 0 0 rg BT 200.44 63.70 Td (that ) Tj ET Q q 0 0 0 rg BT 217.14 63.70 Td (we ) Tj ET Q q 0 0 0 rg BT 230.51 63.70 Td (will ) Tj ET Q q 0 0 0 rg BT 247.77 63.70 Td (be ) Tj ET Q q 0 0 0 rg BT 258.92 63.70 Td (able ) Tj ET Q q 0 0 0 rg BT 277.28 63.70 Td (to ) Tj ET Q q 0 0 0 rg BT 286.76 63.70 Td (comply ) Tj ET Q q 0 0 0 rg BT 318.46 63.70 Td (with ) Tj ET Q q 0 0 0 rg BT 337.95 63.70 Td (the ) Tj ET Q q 0 0 0 rg BT 351.87 63.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 376.36 63.70 Td (servicing ) Tj ET Q q 0 0 0 rg BT 414.72 63.70 Td (procedures. ) Tj ET Q q 0 0 0 rg BT 462.80 63.70 Td (In ) Tj ET Q q 0 0 0 rg BT 472.83 63.70 Td (addition, ) Tj ET Q q 0 0 0 rg BT 509.81 63.70 Td (reimbursable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 51.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 75.56 51.70 Td (and ) Tj ET Q q 0 0 0 rg BT 91.66 51.70 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 134.41 51.70 Td (under ) Tj ET Q q 0 0 0 rg BT 158.84 51.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 176.07 51.70 Td (sharing ) Tj ET Q q 0 0 0 rg BT 207.17 51.70 Td (agreements ) Tj ET Q q 0 0 0 rg BT 254.37 51.70 Td (are ) Tj ET Q q 0 0 0 rg BT 268.24 51.70 Td (based ) Tj ET Q q 0 0 0 rg BT 292.68 51.70 Td (on ) Tj ET Q q 0 0 0 rg BT 304.34 51.70 Td (the ) Tj ET Q q 0 0 0 rg BT 318.22 51.70 Td (book ) Tj ET Q q 0 0 0 rg BT 339.89 51.70 Td (value ) Tj ET Q q 0 0 0 rg BT 363.21 51.70 Td (of ) Tj ET Q q 0 0 0 rg BT 373.20 51.70 Td (the ) Tj ET Q q 0 0 0 rg BT 387.08 51.70 Td (relevant ) Tj ET Q q 0 0 0 rg BT 420.95 51.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 443.73 51.70 Td (and ) Tj ET Q q 0 0 0 rg BT 459.83 51.70 Td (other ) Tj ET Q q 0 0 0 rg BT 482.04 51.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 507.04 51.70 Td (as ) Tj ET Q q 0 0 0 rg BT 517.03 51.70 Td (determined ) Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (26) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.43 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.08 742.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 102.30 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 113.07 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.83 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.48 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 146.07 742.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 175.71 742.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 198.69 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.45 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.10 742.10 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 276.63 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 294.61 742.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 327.04 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 344.47 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.12 742.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 399.32 742.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 425.09 742.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 454.16 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 466.59 742.10 Td (these ) Tj ET Q q 0 0 0 rg BT 489.58 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 515.34 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 539.99 742.10 Td (dif) Tj ET Q q 0 0 0 rg BT 550.92 742.10 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 92.13 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 113.17 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.98 730.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 161.89 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 185.14 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 201.73 730.10 Td (will ) Tj ET Q q 0 0 0 rg BT 218.88 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 229.92 730.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 266.49 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 275.86 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 290.79 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 327.36 730.10 Td (statements, ) Tj ET Q q 0 0 0 rg BT 373.67 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 398.03 730.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 419.63 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.44 730.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 461.15 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.18 730.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 508.78 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.70 730.10 Td (collections ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.52 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.26 718.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 111.43 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 135.06 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 145.37 718.10 Td (future ) Tj ET Q q 0 0 0 rg BT 171.77 718.10 Td (periods. ) Tj ET Q q 0 0 0 rg BT 205.67 718.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 225.42 718.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 254.03 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.34 718.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 295.72 718.10 Td (reimbursement, ) Tj ET Q q 0 0 0 rg BT 360.73 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 371.58 718.10 Td (any ) Tj ET Q q 0 0 0 rg BT 388.54 718.10 Td (material ) Tj ET Q q 0 0 0 rg BT 423.82 718.10 Td (dif) Tj ET Q q 0 0 0 rg BT 434.75 718.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 470.58 718.10 Td (between ) Tj ET Q q 0 0 0 rg BT 506.42 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.16 718.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.68 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 116.82 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 134.76 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 149.37 706.10 Td (do ) Tj ET Q q 0 0 0 rg BT 162.32 706.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 194.13 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.52 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.68 706.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 262.95 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 287.55 706.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 325.47 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 336.20 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 352.47 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 390.40 706.10 Td (statements, ) Tj ET Q q 0 0 0 rg BT 438.06 706.10 Td (could ) Tj ET Q q 0 0 0 rg BT 463.23 706.10 Td (have ) Tj ET Q q 0 0 0 rg BT 485.05 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.44 706.10 Td (material ) Tj ET Q q 0 0 0 rg BT 528.15 706.10 Td (negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 694.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 103.40 694.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 140.88 694.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 181.16 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.10 694.10 Td (results ) Tj ET Q q 0 0 0 rg BT 226.70 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.53 694.10 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (An ) Tj ET Q q 0 0 0 rg BT 64.59 673.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 92.51 673.10 Td (or ) Tj ET Q q 0 0 0 rg BT 103.77 673.10 Td (perceived ) Tj ET Q q 0 0 0 rg BT 144.99 673.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 186.80 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.50 673.10 Td (our ) Tj ET Q q 0 0 0 rg BT 214.32 673.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 253.91 673.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 290.17 673.10 Td (may ) Tj ET Q q 0 0 0 rg BT 309.75 673.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 335.44 673.10 Td (others ) Tj ET Q q 0 0 0 rg BT 363.37 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 373.51 673.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 403.64 673.10 Td (or ) Tj ET Q q 0 0 0 rg BT 414.89 673.10 Td (cease ) Tj ET Q q 0 0 0 rg BT 439.46 673.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 465.16 673.10 Td (business ) Tj ET Q q 0 0 0 rg BT 502.54 673.10 Td (with ) Tj ET Q q 0 0 0 rg BT 522.69 673.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 537.01 673.10 Td (which ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (could ) Tj ET Q q 0 0 0 rg BT 75.28 661.10 Td (result ) Tj ET Q q 0 0 0 rg BT 101.12 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.96 661.10 Td (a ) Tj ET Q q 0 0 0 rg BT 119.46 661.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 157.50 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 168.33 661.10 Td (our ) Tj ET Q q 0 0 0 rg BT 185.29 661.10 Td (net ) Tj ET Q q 0 0 0 rg BT 200.57 661.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 233.62 661.10 Td (income ) Tj ET Q q 0 0 0 rg BT 266.12 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.18 661.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 298.89 661.10 Td (revenues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 644.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.48 644.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 111.95 644.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 130.42 644.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 153.35 644.10 Td (our ) Tj ET Q q 0 0 0 rg BT 169.61 644.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 207.51 644.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 242.66 644.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.02 644.10 Td (stability ) Tj ET Q q 0 0 0 rg BT 295.17 644.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.53 644.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 348.77 644.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.91 644.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 385.73 644.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.99 644.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 422.69 644.10 Td (business ) Tj ET Q q 0 0 0 rg BT 459.51 644.10 Td (with ) Tj ET Q q 0 0 0 rg BT 480.22 644.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 494.53 644.10 Td (If ) Tj ET Q q 0 0 0 rg BT 504.12 644.10 Td (we ) Tj ET Q q 0 0 0 rg BT 518.71 644.10 Td (experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 632.10 Td (diminished ) Tj ET Q q 0 0 0 rg BT 96.79 632.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 134.12 632.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 168.68 632.10 Td (or ) Tj ET Q q 0 0 0 rg BT 179.36 632.10 Td (stability) Tj ET Q q 0 0 0 rg BT 210.93 632.10 Td (, ) Tj ET Q q 0 0 0 rg BT 215.77 632.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 241.99 632.10 Td (or ) Tj ET Q q 0 0 0 rg BT 252.67 632.10 Td (perceived, ) Tj ET Q q 0 0 0 rg BT 296.38 632.10 Td (including ) Tj ET Q q 0 0 0 rg BT 336.50 632.10 Td (due ) Tj ET Q q 0 0 0 rg BT 353.28 632.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.41 632.10 Td (market ) Tj ET Q q 0 0 0 rg BT 393.52 632.10 Td (or ) Tj ET Q q 0 0 0 rg BT 404.19 632.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 447.63 632.10 Td (developments, ) Tj ET Q q 0 0 0 rg BT 508.02 632.10 Td (announced ) Tj ET Q q 0 0 0 rg BT 553.68 632.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 620.10 Td (rumored ) Tj ET Q q 0 0 0 rg BT 86.87 620.10 Td (business ) Tj ET Q q 0 0 0 rg BT 123.75 620.10 Td (developments ) Tj ET Q q 0 0 0 rg BT 182.28 620.10 Td (or ) Tj ET Q q 0 0 0 rg BT 193.59 620.10 Td (results ) Tj ET Q q 0 0 0 rg BT 222.69 620.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.01 620.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 281.15 620.10 Td (or ) Tj ET Q q 0 0 0 rg BT 292.47 620.10 Td (a ) Tj ET Q q 0 0 0 rg BT 299.90 620.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 331.76 620.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.52 620.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 366.62 620.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 392.09 620.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 435.63 620.10 Td (may ) Tj ET Q q 0 0 0 rg BT 455.83 620.10 Td (withdraw ) Tj ET Q q 0 0 0 rg BT 496.59 620.10 Td (their ) Tj ET Q q 0 0 0 rg BT 517.91 620.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 553.67 620.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 91.75 608.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 112.39 608.10 Td (services ) Tj ET Q q 0 0 0 rg BT 147.47 608.10 Td (from ) Tj ET Q q 0 0 0 rg BT 169.79 608.10 Td (other ) Tj ET Q q 0 0 0 rg BT 193.21 608.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 228.30 608.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 275.62 608.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.93 608.10 Td (prospective ) Tj ET Q q 0 0 0 rg BT 341.90 608.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 385.32 608.10 Td (may ) Tj ET Q q 0 0 0 rg BT 405.41 608.10 Td (select ) Tj ET Q q 0 0 0 rg BT 431.05 608.10 Td (other ) Tj ET Q q 0 0 0 rg BT 454.47 608.10 Td (service ) Tj ET Q q 0 0 0 rg BT 485.66 608.10 Td (providers. ) Tj ET Q q 0 0 0 rg BT 528.59 608.10 Td (The ) Tj ET Q q 0 0 0 rg BT 547.01 608.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.06 596.10 Td (we ) Tj ET Q q 0 0 0 rg BT 80.78 596.10 Td (may ) Tj ET Q q 0 0 0 rg BT 100.05 596.10 Td (be ) Tj ET Q q 0 0 0 rg BT 111.55 596.10 Td (perceived ) Tj ET Q q 0 0 0 rg BT 152.48 596.10 Td (as ) Tj ET Q q 0 0 0 rg BT 162.87 596.10 Td (less ) Tj ET Q q 0 0 0 rg BT 179.93 596.10 Td (creditworthy ) Tj ET Q q 0 0 0 rg BT 233.08 596.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 265.12 596.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.96 596.10 Td (other ) Tj ET Q q 0 0 0 rg BT 297.57 596.10 Td (market ) Tj ET Q q 0 0 0 rg BT 327.39 596.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 376.10 596.10 Td (is ) Tj ET Q q 0 0 0 rg BT 384.83 596.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 424.65 596.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.49 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.76 596.10 Td (current ) Tj ET Q q 0 0 0 rg BT 479.14 596.10 Td (market ) Tj ET Q q 0 0 0 rg BT 508.96 596.10 Td (environment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 584.10 Td (where ) Tj ET Q q 0 0 0 rg BT 76.84 584.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.47 584.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 147.76 584.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.50 584.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 195.89 584.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 245.26 584.10 Td (including ) Tj ET Q q 0 0 0 rg BT 285.44 584.10 Td (major ) Tj ET Q q 0 0 0 rg BT 311.18 584.10 Td (global ) Tj ET Q q 0 0 0 rg BT 338.58 584.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 375.98 584.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 425.34 584.10 Td (is ) Tj ET Q q 0 0 0 rg BT 434.42 584.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 471.83 584.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.02 584.10 Td (a ) Tj ET Q q 0 0 0 rg BT 488.87 584.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 520.71 584.10 Td (number ) Tj ET Q q 0 0 0 rg BT 553.67 584.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.10 Td (much ) Tj ET Q q 0 0 0 rg BT 74.94 572.10 Td (lar) Tj ET Q q 0 0 0 rg BT 85.31 572.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 100.80 572.10 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 160.16 572.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.33 572.10 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 229.76 572.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.88 572.10 Td (As ) Tj ET Q q 0 0 0 rg BT 245.72 572.10 Td (our ) Tj ET Q q 0 0 0 rg BT 261.77 572.10 Td (community ) Tj ET Q q 0 0 0 rg BT 310.05 572.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 336.10 572.10 Td (become ) Tj ET Q q 0 0 0 rg BT 369.92 572.10 Td (more ) Tj ET Q q 0 0 0 rg BT 393.19 572.10 Td (closely ) Tj ET Q q 0 0 0 rg BT 424.24 572.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 465.28 572.10 Td (with ) Tj ET Q q 0 0 0 rg BT 485.79 572.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.53 572.10 Td (W) Tj ET Q q 0 0 0 rg BT 509.57 572.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 537.85 572.10 Td (name, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 560.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.52 560.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 94.04 560.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.68 560.10 Td (any ) Tj ET Q q 0 0 0 rg BT 121.43 560.10 Td (perceived ) Tj ET Q q 0 0 0 rg BT 162.60 560.10 Td (weakness ) Tj ET Q q 0 0 0 rg BT 203.22 560.10 Td (or ) Tj ET Q q 0 0 0 rg BT 213.86 560.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 282.26 560.10 Td (at ) Tj ET Q q 0 0 0 rg BT 291.78 560.10 Td (either ) Tj ET Q q 0 0 0 rg BT 316.86 560.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.38 560.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 364.24 560.10 Td (company ) Tj ET Q q 0 0 0 rg BT 403.21 560.10 Td (or ) Tj ET Q q 0 0 0 rg BT 413.84 560.10 Td (our ) Tj ET Q q 0 0 0 rg BT 429.48 560.10 Td (community ) Tj ET Q q 0 0 0 rg BT 477.34 560.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 502.98 560.10 Td (may ) Tj ET Q q 0 0 0 rg BT 522.50 560.10 Td (be ) Tj ET Q q 0 0 0 rg BT 534.25 560.10 Td (greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 548.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.23 548.10 Td (in ) Tj ET Q q 0 0 0 rg BT 79.01 548.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 100.46 548.10 Td (periods. ) Tj ET Q q 0 0 0 rg BT 134.41 548.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.42 548.10 Td ( ) Tj ET Q q 0 0 0 rg BT 138.43 548.10 Td (If ) Tj ET Q q 0 0 0 rg BT 147.10 548.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 189.65 548.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 218.31 548.10 Td (their ) Tj ET Q q 0 0 0 rg BT 238.64 548.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 273.43 548.10 Td (with ) Tj ET Q q 0 0 0 rg BT 293.22 548.10 Td (us ) Tj ET Q q 0 0 0 rg BT 304.12 548.10 Td (or ) Tj ET Q q 0 0 0 rg BT 314.46 548.10 Td (select ) Tj ET Q q 0 0 0 rg BT 339.23 548.10 Td (other ) Tj ET Q q 0 0 0 rg BT 361.79 548.10 Td (service ) Tj ET Q q 0 0 0 rg BT 392.11 548.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 431.89 548.10 Td (for ) Tj ET Q q 0 0 0 rg BT 445.56 548.10 Td (all ) Tj ET Q q 0 0 0 rg BT 457.56 548.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.90 548.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.35 548.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 505.25 548.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.59 548.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.81 548.10 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 536.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.20 536.10 Td (we ) Tj ET Q q 0 0 0 rg BT 81.07 536.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 113.83 536.10 Td (them, ) Tj ET Q q 0 0 0 rg BT 138.54 536.10 Td (net ) Tj ET Q q 0 0 0 rg BT 152.96 536.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 184.60 536.10 Td (income ) Tj ET Q q 0 0 0 rg BT 216.25 536.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.90 536.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 247.31 536.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 285.06 536.10 Td (will ) Tj ET Q q 0 0 0 rg BT 302.82 536.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 339.45 536.10 Td (accordingly) Tj ET Q q 0 0 0 rg BT 386.00 536.10 Td (, ) Tj ET Q q 0 0 0 rg BT 390.71 536.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.36 536.10 Td (could ) Tj ET Q q 0 0 0 rg BT 431.78 536.10 Td (have ) Tj ET Q q 0 0 0 rg BT 452.87 536.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.52 536.10 Td (material ) Tj ET Q q 0 0 0 rg BT 494.49 536.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 527.23 536.10 Td (ef) Tj ET Q q 0 0 0 rg BT 534.82 536.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.02 536.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 524.10 Td (results ) Tj ET Q q 0 0 0 rg BT 94.44 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.27 524.10 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 503.10 Td (If ) Tj ET Q q 0 0 0 rg BT 60.34 503.10 Td (our ) Tj ET Q q 0 0 0 rg BT 77.91 503.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 109.93 503.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 146.94 503.10 Td (us ) Tj ET Q q 0 0 0 rg BT 159.51 503.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.41 503.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 193.52 503.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 238.32 503.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 271.71 503.10 Td (that ) Tj ET Q q 0 0 0 rg BT 290.94 503.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 321.83 503.10 Td (may ) Tj ET Q q 0 0 0 rg BT 342.17 503.10 Td (not ) Tj ET Q q 0 0 0 rg BT 358.63 503.10 Td (be ) Tj ET Q q 0 0 0 rg BT 371.18 503.10 Td (available ) Tj ET Q q 0 0 0 rg BT 411.51 503.10 Td (when ) Tj ET Q q 0 0 0 rg BT 436.86 503.10 Td (it ) Tj ET Q q 0 0 0 rg BT 445.53 503.10 Td (is ) Tj ET Q q 0 0 0 rg BT 455.32 503.10 Td (needed ) Tj ET Q q 0 0 0 rg BT 487.32 503.10 Td (or ) Tj ET Q q 0 0 0 rg BT 499.33 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.22 503.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 534.45 503.10 Td (of ) Tj ET Q q 0 0 0 rg BT 545.90 503.10 Td (that ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 491.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 80.27 491.10 Td (may ) Tj ET Q q 0 0 0 rg BT 99.99 491.10 Td (be ) Tj ET Q q 0 0 0 rg BT 111.93 491.10 Td (very ) Tj ET Q q 0 0 0 rg BT 131.64 491.10 Td (high.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 474.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 474.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.51 474.10 Td (are ) Tj ET Q q 0 0 0 rg BT 80.16 474.10 Td (required ) Tj ET Q q 0 0 0 rg BT 115.91 474.10 Td (by ) Tj ET Q q 0 0 0 rg BT 128.35 474.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 171.88 474.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 216.53 474.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.75 474.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 264.18 474.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 302.15 474.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 327.91 474.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.68 474.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 367.77 474.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.98 474.10 Td (support ) Tj ET Q q 0 0 0 rg BT 410.42 474.10 Td (our ) Tj ET Q q 0 0 0 rg BT 426.19 474.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 470.28 474.10 Td (\(see ) Tj ET Q q 0 0 0 rg BT 488.82 474.10 Td (-Risks ) Tj ET Q q 0 0 0 rg BT 521.26 474.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 554.24 474.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 462.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.79 462.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 114.45 462.10 Td (Environment-If ) Tj ET Q q 0 0 0 rg BT 178.89 462.10 Td (we ) Tj ET Q q 0 0 0 rg BT 192.78 462.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 208.34 462.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.35 462.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 240.02 462.10 Td (our ) Tj ET Q q 0 0 0 rg BT 255.59 462.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 298.91 462.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 327.80 462.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 354.75 462.10 Td (we ) Tj ET Q q 0 0 0 rg BT 368.64 462.10 Td (may ) Tj ET Q q 0 0 0 rg BT 388.09 462.10 Td (be ) Tj ET Q q 0 0 0 rg BT 399.77 462.10 Td (forced ) Tj ET Q q 0 0 0 rg BT 427.54 462.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.55 462.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 458.66 462.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 487.54 462.10 Td (or ) Tj ET Q q 0 0 0 rg BT 498.11 462.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 514.23 462.10 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 547.56 462.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.81 450.10 Td (we ) Tj ET Q q 0 0 0 rg BT 74.95 450.10 Td (grow) Tj ET Q q 0 0 0 rg BT 94.85 450.10 Td (, ) Tj ET Q q 0 0 0 rg BT 99.83 450.10 Td (internally ) Tj ET Q q 0 0 0 rg BT 140.63 450.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.55 450.10 Td (through ) Tj ET Q q 0 0 0 rg BT 191.14 450.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 243.90 450.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.59 450.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 291.07 450.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.88 450.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 331.01 450.10 Td (required ) Tj ET Q q 0 0 0 rg BT 366.81 450.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.07 450.10 Td (support ) Tj ET Q q 0 0 0 rg BT 409.55 450.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.36 450.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 469.49 450.10 Td (grows ) Tj ET Q q 0 0 0 rg BT 496.42 450.10 Td (as ) Tj ET Q q 0 0 0 rg BT 507.23 450.10 Td (well. ) Tj ET Q q 0 0 0 rg BT 529.24 450.10 Td (W) Tj ET Q q 0 0 0 rg BT 537.88 450.10 Td (e ) Tj ET Q q 0 0 0 rg BT 544.80 450.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 438.10 Td (need ) Tj ET Q q 0 0 0 rg BT 71.39 438.10 Td (to ) Tj ET Q q 0 0 0 rg BT 81.67 438.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 103.06 438.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 145.56 438.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 174.72 438.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.01 438.10 Td (support ) Tj ET Q q 0 0 0 rg BT 217.52 438.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 259.46 438.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 290.30 438.10 Td (both ) Tj ET Q q 0 0 0 rg BT 310.59 438.10 Td (internally ) Tj ET Q q 0 0 0 rg BT 351.42 438.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.37 438.10 Td (through ) Tj ET Q q 0 0 0 rg BT 401.99 438.10 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 454.22 438.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 473.95 438.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 503.11 438.10 Td (we ) Tj ET Q q 0 0 0 rg BT 517.28 438.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 544.78 438.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 426.10 Td (result ) Tj ET Q q 0 0 0 rg BT 74.72 426.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.00 426.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.71 426.10 Td (dilution ) Tj ET Q q 0 0 0 rg BT 133.33 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.16 426.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.87 426.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 194.70 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.53 426.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 239.69 426.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 271.63 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.46 426.10 Td (our ) Tj ET Q q 0 0 0 rg BT 298.29 426.10 Td (common ) Tj ET Q q 0 0 0 rg BT 335.79 426.10 Td (stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.33 409.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 96.65 409.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.21 409.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 128.86 409.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 171.62 409.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 203.55 409.10 Td (if ) Tj ET Q q 0 0 0 rg BT 212.43 409.10 Td (needed, ) Tj ET Q q 0 0 0 rg BT 246.02 409.10 Td (will ) Tj ET Q q 0 0 0 rg BT 264.35 409.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 296.01 409.10 Td (on ) Tj ET Q q 0 0 0 rg BT 308.78 409.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 353.22 409.10 Td (in ) Tj ET Q q 0 0 0 rg BT 363.77 409.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.77 409.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 408.19 409.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 442.62 409.10 Td (at ) Tj ET Q q 0 0 0 rg BT 452.61 409.10 Td (that ) Tj ET Q q 0 0 0 rg BT 470.38 409.10 Td (time ) Tj ET Q q 0 0 0 rg BT 490.93 409.10 Td (which ) Tj ET Q q 0 0 0 rg BT 518.14 409.10 Td (are ) Tj ET Q q 0 0 0 rg BT 533.13 409.10 Td (outside ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.95 397.10 Td (control ) Tj ET Q q 0 0 0 rg BT 98.90 397.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.97 397.10 Td (on ) Tj ET Q q 0 0 0 rg BT 130.59 397.10 Td (our ) Tj ET Q q 0 0 0 rg BT 147.55 397.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 186.15 397.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 227.55 397.10 Td (and ) Tj ET Q q 0 0 0 rg BT 245.61 397.10 Td (performance. ) Tj ET Q q 0 0 0 rg BT 302.26 397.10 Td (If ) Tj ET Q q 0 0 0 rg BT 312.54 397.10 Td (we ) Tj ET Q q 0 0 0 rg BT 327.83 397.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 358.11 397.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 380.61 397.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 424.22 397.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 454.50 397.10 Td (when ) Tj ET Q q 0 0 0 rg BT 479.78 397.10 Td (needed, ) Tj ET Q q 0 0 0 rg BT 514.22 397.10 Td (or ) Tj ET Q q 0 0 0 rg BT 526.18 397.10 Td (on ) Tj ET Q q 0 0 0 rg BT 539.80 397.10 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 94.02 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.63 385.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 116.85 385.10 Td (our ) Tj ET Q q 0 0 0 rg BT 132.02 385.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 159.40 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.01 385.10 Td (further ) Tj ET Q q 0 0 0 rg BT 198.05 385.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 228.76 385.10 Td (our ) Tj ET Q q 0 0 0 rg BT 243.92 385.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 287.41 385.10 Td (through ) Tj ET Q q 0 0 0 rg BT 320.35 385.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 352.73 385.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 382.89 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.16 385.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 448.77 385.10 Td (could ) Tj ET Q q 0 0 0 rg BT 472.82 385.10 Td (be ) Tj ET Q q 0 0 0 rg BT 484.09 385.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 526.46 385.10 Td (impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 373.10 Td (our ) Tj ET Q q 0 0 0 rg BT 82.77 373.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 120.25 373.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 160.52 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.46 373.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 213.85 373.10 Td (could ) Tj ET Q q 0 0 0 rg BT 238.57 373.10 Td (be ) Tj ET Q q 0 0 0 rg BT 250.51 373.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 293.54 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.48 373.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 354.63 373.10 Td (af) Tj ET Q q 0 0 0 rg BT 362.22 373.10 Td (fected.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 350.70 Td (Disruption ) Tj ET Q q 0 0 0 rg BT 96.96 350.70 Td (in ) Tj ET Q q 0 0 0 rg BT 107.80 350.70 Td (the ) Tj ET Q q 0 0 0 rg BT 123.08 350.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 162.81 350.70 Td (markets ) Tj ET Q q 0 0 0 rg BT 198.09 350.70 Td (could ) Tj ET Q q 0 0 0 rg BT 223.36 350.70 Td (result ) Tj ET Q q 0 0 0 rg BT 249.20 350.70 Td (in ) Tj ET Q q 0 0 0 rg BT 260.04 350.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 285.32 350.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 302.82 350.70 Td (values ) Tj ET Q q 0 0 0 rg BT 331.43 350.70 Td (for ) Tj ET Q q 0 0 0 rg BT 346.15 350.70 Td (our ) Tj ET Q q 0 0 0 rg BT 363.11 350.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 410.05 350.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 451.44 350.70 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 333.70 Td (The ) Tj ET Q q 0 0 0 rg BT 69.87 333.70 Td (Company's ) Tj ET Q q 0 0 0 rg BT 118.78 333.70 Td (available-for) Tj ET Q q 0 0 0 rg BT 169.66 333.70 Td (-sale ) Tj ET Q q 0 0 0 rg BT 192.86 333.70 Td (and ) Tj ET Q q 0 0 0 rg BT 211.62 333.70 Td (trading ) Tj ET Q q 0 0 0 rg BT 244.27 333.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 286.36 333.70 Td (are ) Tj ET Q q 0 0 0 rg BT 302.89 333.70 Td (carried ) Tj ET Q q 0 0 0 rg BT 334.97 333.70 Td (at ) Tj ET Q q 0 0 0 rg BT 346.51 333.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 364.71 333.70 Td (value. ) Tj ET Q q 0 0 0 rg BT 393.19 333.70 Td (Major ) Tj ET Q q 0 0 0 rg BT 421.96 333.70 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 470.73 333.70 Td (in ) Tj ET Q q 0 0 0 rg BT 482.83 333.70 Td (the ) Tj ET Q q 0 0 0 rg BT 499.37 333.70 Td (capital ) Tj ET Q q 0 0 0 rg BT 530.35 333.70 Td (markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 321.70 Td (experienced ) Tj ET Q q 0 0 0 rg BT 100.61 321.70 Td (in ) Tj ET Q q 0 0 0 rg BT 110.69 321.70 Td (recent ) Tj ET Q q 0 0 0 rg BT 137.42 321.70 Td (years ) Tj ET Q q 0 0 0 rg BT 160.82 321.70 Td (have ) Tj ET Q q 0 0 0 rg BT 182.00 321.70 Td (impacted ) Tj ET Q q 0 0 0 rg BT 220.96 321.70 Td (investor ) Tj ET Q q 0 0 0 rg BT 255.48 321.70 Td (demand ) Tj ET Q q 0 0 0 rg BT 289.44 321.70 Td (for ) Tj ET Q q 0 0 0 rg BT 303.40 321.70 Td (all ) Tj ET Q q 0 0 0 rg BT 315.70 321.70 Td (classes ) Tj ET Q q 0 0 0 rg BT 345.78 321.70 Td (of ) Tj ET Q q 0 0 0 rg BT 356.41 321.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 396.48 321.70 Td (and ) Tj ET Q q 0 0 0 rg BT 413.22 321.70 Td (resulted ) Tj ET Q q 0 0 0 rg BT 447.18 321.70 Td (in ) Tj ET Q q 0 0 0 rg BT 457.27 321.70 Td (volatility ) Tj ET Q q 0 0 0 rg BT 495.68 321.70 Td (in ) Tj ET Q q 0 0 0 rg BT 505.76 321.70 Td (the ) Tj ET Q q 0 0 0 rg BT 520.28 321.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 536.46 321.70 Td (values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 309.70 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 309.70 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 309.70 Td (Company's ) Tj ET Q q 0 0 0 rg BT 122.63 309.70 Td (investment ) Tj ET Q q 0 0 0 rg BT 169.01 309.70 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.70 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 98.97 292.70 Td (standards ) Tj ET Q q 0 0 0 rg BT 139.06 292.70 Td (require ) Tj ET Q q 0 0 0 rg BT 169.69 292.70 Td (the ) Tj ET Q q 0 0 0 rg BT 184.22 292.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 225.43 292.70 Td (to ) Tj ET Q q 0 0 0 rg BT 235.52 292.70 Td (categorize ) Tj ET Q q 0 0 0 rg BT 278.92 292.70 Td (these ) Tj ET Q q 0 0 0 rg BT 301.78 292.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 341.86 292.70 Td (according ) Tj ET Q q 0 0 0 rg BT 383.60 292.70 Td (to ) Tj ET Q q 0 0 0 rg BT 393.70 292.70 Td (a ) Tj ET Q q 0 0 0 rg BT 400.45 292.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 416.65 292.70 Td (value ) Tj ET Q q 0 0 0 rg BT 440.62 292.70 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 477.72 292.70 Td (. ) Tj ET Q q 0 0 0 rg BT 482.03 292.70 Td (As ) Tj ET Q q 0 0 0 rg BT 495.46 292.70 Td (of ) Tj ET Q q 0 0 0 rg BT 506.11 292.70 Td (December ) Tj ET Q q 0 0 0 rg BT 549.51 292.70 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.70 Td (2015, ) Tj ET Q q 0 0 0 rg BT 75.40 280.70 Td (approximately ) Tj ET Q q 0 0 0 rg BT 136.05 280.70 Td (95% ) Tj ET Q q 0 0 0 rg BT 157.28 280.70 Td (of ) Tj ET Q q 0 0 0 rg BT 168.50 280.70 Td (the ) Tj ET Q q 0 0 0 rg BT 183.61 280.70 Td (Company's ) Tj ET Q q 0 0 0 rg BT 231.09 280.70 Td (available-for) Tj ET Q q 0 0 0 rg BT 281.97 280.70 Td (-sale ) Tj ET Q q 0 0 0 rg BT 303.74 280.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 344.40 280.70 Td (were ) Tj ET Q q 0 0 0 rg BT 366.72 280.70 Td (categorized ) Tj ET Q q 0 0 0 rg BT 415.70 280.70 Td (in ) Tj ET Q q 0 0 0 rg BT 426.37 280.70 Td (level ) Tj ET Q q 0 0 0 rg BT 448.70 280.70 Td (2 ) Tj ET Q q 0 0 0 rg BT 456.60 280.70 Td (of ) Tj ET Q q 0 0 0 rg BT 467.82 280.70 Td (the ) Tj ET Q q 0 0 0 rg BT 482.93 280.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 499.71 280.70 Td (value ) Tj ET Q q 0 0 0 rg BT 524.26 280.70 Td (hierarchy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.70 Td (\(meaning ) Tj ET Q q 0 0 0 rg BT 89.23 268.70 Td (that ) Tj ET Q q 0 0 0 rg BT 105.68 268.70 Td (their ) Tj ET Q q 0 0 0 rg BT 125.47 268.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 140.81 268.70 Td (values ) Tj ET Q q 0 0 0 rg BT 167.82 268.70 Td (were ) Tj ET Q q 0 0 0 rg BT 188.71 268.70 Td (determined ) Tj ET Q q 0 0 0 rg BT 235.15 268.70 Td (by ) Tj ET Q q 0 0 0 rg BT 246.62 268.70 Td (quoted ) Tj ET Q q 0 0 0 rg BT 275.30 268.70 Td (prices ) Tj ET Q q 0 0 0 rg BT 300.63 268.70 Td (for ) Tj ET Q q 0 0 0 rg BT 313.76 268.70 Td (similar ) Tj ET Q q 0 0 0 rg BT 342.99 268.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 367.79 268.70 Td (or ) Tj ET Q q 0 0 0 rg BT 377.58 268.70 Td (other ) Tj ET Q q 0 0 0 rg BT 399.59 268.70 Td (observable ) Tj ET Q q 0 0 0 rg BT 444.37 268.70 Td (inputs\). ) Tj ET Q q 0 0 0 rg BT 476.11 268.70 Td (Significant ) Tj ET Q q 0 0 0 rg BT 521.45 268.70 Td (prolonged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.70 Td (reduced ) Tj ET Q q 0 0 0 rg BT 84.21 256.70 Td (investor ) Tj ET Q q 0 0 0 rg BT 118.99 256.70 Td (demand ) Tj ET Q q 0 0 0 rg BT 153.21 256.70 Td (could ) Tj ET Q q 0 0 0 rg BT 177.99 256.70 Td (manifest ) Tj ET Q q 0 0 0 rg BT 214.99 256.70 Td (itself ) Tj ET Q q 0 0 0 rg BT 237.54 256.70 Td (in ) Tj ET Q q 0 0 0 rg BT 247.89 256.70 Td (lower ) Tj ET Q q 0 0 0 rg BT 273.22 256.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 289.66 256.70 Td (values ) Tj ET Q q 0 0 0 rg BT 317.77 256.70 Td (for ) Tj ET Q q 0 0 0 rg BT 331.99 256.70 Td (these ) Tj ET Q q 0 0 0 rg BT 355.10 256.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 395.43 256.70 Td (and ) Tj ET Q q 0 0 0 rg BT 412.43 256.70 Td (may ) Tj ET Q q 0 0 0 rg BT 432.21 256.70 Td (result ) Tj ET Q q 0 0 0 rg BT 456.99 256.70 Td (in ) Tj ET Q q 0 0 0 rg BT 467.33 256.70 Td (recognition ) Tj ET Q q 0 0 0 rg BT 515.44 256.70 Td (of ) Tj ET Q q 0 0 0 rg BT 526.33 256.70 Td (an ) Tj ET Q q 0 0 0 rg BT 538.33 256.70 Td (other) Tj ET Q q 0 0 0 rg BT 558.68 256.70 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.70 Td (than-temporary ) Tj ET Q q 0 0 0 rg BT 114.74 244.70 Td (or ) Tj ET Q q 0 0 0 rg BT 126.17 244.70 Td (permanent ) Tj ET Q q 0 0 0 rg BT 171.47 244.70 Td (impairment ) Tj ET Q q 0 0 0 rg BT 220.66 244.70 Td (of ) Tj ET Q q 0 0 0 rg BT 232.09 244.70 Td (these ) Tj ET Q q 0 0 0 rg BT 255.74 244.70 Td (assets, ) Tj ET Q q 0 0 0 rg BT 284.67 244.70 Td (which ) Tj ET Q q 0 0 0 rg BT 312.20 244.70 Td (could ) Tj ET Q q 0 0 0 rg BT 337.52 244.70 Td (lead ) Tj ET Q q 0 0 0 rg BT 357.27 244.70 Td (to ) Tj ET Q q 0 0 0 rg BT 368.15 244.70 Td (accounting ) Tj ET Q q 0 0 0 rg BT 415.12 244.70 Td (char) Tj ET Q q 0 0 0 rg BT 432.14 244.70 Td (ges ) Tj ET Q q 0 0 0 rg BT 448.57 244.70 Td (and ) Tj ET Q q 0 0 0 rg BT 466.11 244.70 Td (have ) Tj ET Q q 0 0 0 rg BT 488.08 244.70 Td (a ) Tj ET Q q 0 0 0 rg BT 495.62 244.70 Td (material ) Tj ET Q q 0 0 0 rg BT 531.48 244.70 Td (adverse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.70 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 232.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 232.70 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 232.70 Td (the ) Tj ET Q q 0 0 0 rg BT 102.29 232.70 Td (Company's ) Tj ET Q q 0 0 0 rg BT 149.37 232.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 186.85 232.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 227.12 232.70 Td (and ) Tj ET Q q 0 0 0 rg BT 244.06 232.70 Td (results ) Tj ET Q q 0 0 0 rg BT 272.67 232.70 Td (of ) Tj ET Q q 0 0 0 rg BT 283.50 232.70 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.70 Td (The ) Tj ET Q q 0 0 0 rg BT 68.24 215.70 Td (remaining ) Tj ET Q q 0 0 0 rg BT 111.47 215.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 151.93 215.70 Td (in ) Tj ET Q q 0 0 0 rg BT 162.40 215.70 Td (our ) Tj ET Q q 0 0 0 rg BT 178.42 215.70 Td (available-for) Tj ET Q q 0 0 0 rg BT 229.30 215.70 Td (-sale ) Tj ET Q q 0 0 0 rg BT 250.87 215.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 291.32 215.70 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 329.01 215.70 Td (were ) Tj ET Q q 0 0 0 rg BT 351.13 215.70 Td (categorized ) Tj ET Q q 0 0 0 rg BT 399.90 215.70 Td (as ) Tj ET Q q 0 0 0 rg BT 410.92 215.70 Td (level ) Tj ET Q q 0 0 0 rg BT 433.05 215.70 Td (3 ) Tj ET Q q 0 0 0 rg BT 440.74 215.70 Td (\(meaning ) Tj ET Q q 0 0 0 rg BT 481.20 215.70 Td (that ) Tj ET Q q 0 0 0 rg BT 498.88 215.70 Td (their ) Tj ET Q q 0 0 0 rg BT 519.90 215.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 536.47 215.70 Td (values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.70 Td (were ) Tj ET Q q 0 0 0 rg BT 71.88 203.70 Td (determined ) Tj ET Q q 0 0 0 rg BT 119.32 203.70 Td (by ) Tj ET Q q 0 0 0 rg BT 131.77 203.70 Td (inputs ) Tj ET Q q 0 0 0 rg BT 158.67 203.70 Td (that ) Tj ET Q q 0 0 0 rg BT 176.12 203.70 Td (are ) Tj ET Q q 0 0 0 rg BT 190.78 203.70 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 246.55 203.70 Td (in ) Tj ET Q q 0 0 0 rg BT 256.78 203.70 Td (the ) Tj ET Q q 0 0 0 rg BT 271.45 203.70 Td (market ) Tj ET Q q 0 0 0 rg BT 301.67 203.70 Td (and ) Tj ET Q q 0 0 0 rg BT 318.56 203.70 Td (therefore ) Tj ET Q q 0 0 0 rg BT 357.10 203.70 Td (require ) Tj ET Q q 0 0 0 rg BT 387.87 203.70 Td (a ) Tj ET Q q 0 0 0 rg BT 394.76 203.70 Td (greater ) Tj ET Q q 0 0 0 rg BT 424.97 203.70 Td (degree ) Tj ET Q q 0 0 0 rg BT 454.07 203.70 Td (of ) Tj ET Q q 0 0 0 rg BT 464.85 203.70 Td (management ) Tj ET Q q 0 0 0 rg BT 518.39 203.70 Td (judgment\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.68 191.70 Td (determination ) Tj ET Q q 0 0 0 rg BT 125.35 191.70 Td (of ) Tj ET Q q 0 0 0 rg BT 135.81 191.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 151.82 191.70 Td (value ) Tj ET Q q 0 0 0 rg BT 175.61 191.70 Td (for ) Tj ET Q q 0 0 0 rg BT 189.40 191.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 229.30 191.70 Td (categorized ) Tj ET Q q 0 0 0 rg BT 277.51 191.70 Td (in ) Tj ET Q q 0 0 0 rg BT 287.42 191.70 Td (level ) Tj ET Q q 0 0 0 rg BT 308.99 191.70 Td (3 ) Tj ET Q q 0 0 0 rg BT 316.12 191.70 Td (involves ) Tj ET Q q 0 0 0 rg BT 352.14 191.70 Td (significant ) Tj ET Q q 0 0 0 rg BT 396.49 191.70 Td (judgment ) Tj ET Q q 0 0 0 rg BT 436.39 191.70 Td (due ) Tj ET Q q 0 0 0 rg BT 452.96 191.70 Td (to ) Tj ET Q q 0 0 0 rg BT 462.88 191.70 Td (the ) Tj ET Q q 0 0 0 rg BT 477.22 191.70 Td (complexity ) Tj ET Q q 0 0 0 rg BT 524.35 191.70 Td (of ) Tj ET Q q 0 0 0 rg BT 534.81 191.70 Td (factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.70 Td (contributing ) Tj ET Q q 0 0 0 rg BT 101.29 179.70 Td (to ) Tj ET Q q 0 0 0 rg BT 111.47 179.70 Td (the ) Tj ET Q q 0 0 0 rg BT 126.09 179.70 Td (valuation, ) Tj ET Q q 0 0 0 rg BT 168.20 179.70 Td (many ) Tj ET Q q 0 0 0 rg BT 192.82 179.70 Td (of ) Tj ET Q q 0 0 0 rg BT 203.56 179.70 Td (which ) Tj ET Q q 0 0 0 rg BT 230.40 179.70 Td (are ) Tj ET Q q 0 0 0 rg BT 245.01 179.70 Td (not ) Tj ET Q q 0 0 0 rg BT 260.19 179.70 Td (readily ) Tj ET Q q 0 0 0 rg BT 290.36 179.70 Td (observable ) Tj ET Q q 0 0 0 rg BT 336.08 179.70 Td (in ) Tj ET Q q 0 0 0 rg BT 346.26 179.70 Td (the ) Tj ET Q q 0 0 0 rg BT 360.88 179.70 Td (market. ) Tj ET Q q 0 0 0 rg BT 393.55 179.70 Td (Recent ) Tj ET Q q 0 0 0 rg BT 423.72 179.70 Td (market ) Tj ET Q q 0 0 0 rg BT 453.89 179.70 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 500.74 179.70 Td (make ) Tj ET Q q 0 0 0 rg BT 524.80 179.70 Td (valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.70 Td (of ) Tj ET Q q 0 0 0 rg BT 60.41 167.70 Td (such ) Tj ET Q q 0 0 0 rg BT 80.81 167.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 120.65 167.70 Td (even ) Tj ET Q q 0 0 0 rg BT 141.60 167.70 Td (more ) Tj ET Q q 0 0 0 rg BT 164.22 167.70 Td (dif) Tj ET Q q 0 0 0 rg BT 175.15 167.70 Td (ficult ) Tj ET Q q 0 0 0 rg BT 198.33 167.70 Td (and ) Tj ET Q q 0 0 0 rg BT 214.84 167.70 Td (subjective. ) Tj ET Q q 0 0 0 rg BT 259.96 167.70 Td (In ) Tj ET Q q 0 0 0 rg BT 270.37 167.70 Td (addition, ) Tj ET Q q 0 0 0 rg BT 307.71 167.70 Td (the ) Tj ET Q q 0 0 0 rg BT 322.01 167.70 Td (nature ) Tj ET Q q 0 0 0 rg BT 349.07 167.70 Td (of ) Tj ET Q q 0 0 0 rg BT 359.47 167.70 Td (the ) Tj ET Q q 0 0 0 rg BT 373.76 167.70 Td (business ) Tj ET Q q 0 0 0 rg BT 409.73 167.70 Td (of ) Tj ET Q q 0 0 0 rg BT 420.14 167.70 Td (the ) Tj ET Q q 0 0 0 rg BT 434.43 167.70 Td (third ) Tj ET Q q 0 0 0 rg BT 455.39 167.70 Td (party ) Tj ET Q q 0 0 0 rg BT 478.01 167.70 Td (source ) Tj ET Q q 0 0 0 rg BT 506.19 167.70 Td (that ) Tj ET Q q 0 0 0 rg BT 523.26 167.70 Td (is ) Tj ET Q q 0 0 0 rg BT 532.00 167.70 Td (valuing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.70 Td (the ) Tj ET Q q 0 0 0 rg BT 64.33 155.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 104.22 155.70 Td (at ) Tj ET Q q 0 0 0 rg BT 113.55 155.70 Td (any ) Tj ET Q q 0 0 0 rg BT 130.11 155.70 Td (given ) Tj ET Q q 0 0 0 rg BT 154.44 155.70 Td (time ) Tj ET Q q 0 0 0 rg BT 174.33 155.70 Td (could ) Tj ET Q q 0 0 0 rg BT 198.67 155.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 228.00 155.70 Td (the ) Tj ET Q q 0 0 0 rg BT 242.33 155.70 Td (valuation ) Tj ET Q q 0 0 0 rg BT 281.67 155.70 Td (of ) Tj ET Q q 0 0 0 rg BT 292.11 155.70 Td (the ) Tj ET Q q 0 0 0 rg BT 306.45 155.70 Td (securities. ) Tj ET Q q 0 0 0 rg BT 348.83 155.70 Td (Consequently) Tj ET Q q 0 0 0 rg BT 403.18 155.70 Td (, ) Tj ET Q q 0 0 0 rg BT 407.79 155.70 Td (the ) Tj ET Q q 0 0 0 rg BT 422.13 155.70 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 457.02 155.70 Td (sales ) Tj ET Q q 0 0 0 rg BT 478.57 155.70 Td (price ) Tj ET Q q 0 0 0 rg BT 500.68 155.70 Td (for ) Tj ET Q q 0 0 0 rg BT 514.45 155.70 Td (any ) Tj ET Q q 0 0 0 rg BT 531.01 155.70 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 155.70 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.52 143.70 Td (could ) Tj ET Q q 0 0 0 rg BT 115.50 143.70 Td (vary ) Tj ET Q q 0 0 0 rg BT 136.03 143.70 Td (significantly ) Tj ET Q q 0 0 0 rg BT 188.78 143.70 Td (from ) Tj ET Q q 0 0 0 rg BT 210.98 143.70 Td (the ) Tj ET Q q 0 0 0 rg BT 225.96 143.70 Td (recorded ) Tj ET Q q 0 0 0 rg BT 263.70 143.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 280.34 143.70 Td (value ) Tj ET Q q 0 0 0 rg BT 304.75 143.70 Td (at ) Tj ET Q q 0 0 0 rg BT 314.73 143.70 Td (December31, ) Tj ET Q q 0 0 0 rg BT 373.58 143.70 Td (2015, ) Tj ET Q q 0 0 0 rg BT 398.84 143.70 Td (especially ) Tj ET Q q 0 0 0 rg BT 441.58 143.70 Td (if ) Tj ET Q q 0 0 0 rg BT 450.45 143.70 Td (the ) Tj ET Q q 0 0 0 rg BT 465.43 143.70 Td (security ) Tj ET Q q 0 0 0 rg BT 499.84 143.70 Td (is ) Tj ET Q q 0 0 0 rg BT 509.27 143.70 Td (sold ) Tj ET Q q 0 0 0 rg BT 528.71 143.70 Td (during ) Tj ET Q q 0 0 0 rg BT 557.58 143.70 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 131.70 Td (period ) Tj ET Q q 0 0 0 rg BT 78.05 131.70 Td (of ) Tj ET Q q 0 0 0 rg BT 88.88 131.70 Td (illiquidity ) Tj ET Q q 0 0 0 rg BT 130.83 131.70 Td (or ) Tj ET Q q 0 0 0 rg BT 141.66 131.70 Td (market ) Tj ET Q q 0 0 0 rg BT 171.92 131.70 Td (disruption ) Tj ET Q q 0 0 0 rg BT 214.98 131.70 Td (or ) Tj ET Q q 0 0 0 rg BT 225.81 131.70 Td (as ) Tj ET Q q 0 0 0 rg BT 236.64 131.70 Td (part ) Tj ET Q q 0 0 0 rg BT 254.68 131.70 Td (of ) Tj ET Q q 0 0 0 rg BT 265.51 131.70 Td (a ) Tj ET Q q 0 0 0 rg BT 272.45 131.70 Td (lar) Tj ET Q q 0 0 0 rg BT 282.82 131.70 Td (ge ) Tj ET Q q 0 0 0 rg BT 294.76 131.70 Td (block ) Tj ET Q q 0 0 0 rg BT 319.47 131.70 Td (of ) Tj ET Q q 0 0 0 rg BT 330.30 131.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 370.57 131.70 Td (under ) Tj ET Q q 0 0 0 rg BT 395.83 131.70 Td (a ) Tj ET Q q 0 0 0 rg BT 402.77 131.70 Td (forced ) Tj ET Q q 0 0 0 rg BT 430.81 131.70 Td (transaction.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 114.70 Td (There ) Tj ET Q q 0 0 0 rg BT 75.98 114.70 Td (can ) Tj ET Q q 0 0 0 rg BT 92.52 114.70 Td (be ) Tj ET Q q 0 0 0 rg BT 104.62 114.70 Td (no ) Tj ET Q q 0 0 0 rg BT 117.28 114.70 Td (assurance ) Tj ET Q q 0 0 0 rg BT 158.81 114.70 Td (that ) Tj ET Q q 0 0 0 rg BT 176.47 114.70 Td (decline ) Tj ET Q q 0 0 0 rg BT 208.00 114.70 Td (in ) Tj ET Q q 0 0 0 rg BT 218.44 114.70 Td (market ) Tj ET Q q 0 0 0 rg BT 248.87 114.70 Td (value ) Tj ET Q q 0 0 0 rg BT 273.19 114.70 Td (associated ) Tj ET Q q 0 0 0 rg BT 316.94 114.70 Td (with ) Tj ET Q q 0 0 0 rg BT 337.39 114.70 Td (these ) Tj ET Q q 0 0 0 rg BT 360.60 114.70 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 407.71 114.70 Td (will ) Tj ET Q q 0 0 0 rg BT 425.93 114.70 Td (not ) Tj ET Q q 0 0 0 rg BT 441.37 114.70 Td (result ) Tj ET Q q 0 0 0 rg BT 466.25 114.70 Td (in ) Tj ET Q q 0 0 0 rg BT 476.69 114.70 Td (other) Tj ET Q q 0 0 0 rg BT 497.03 114.70 Td (-than-temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 102.70 Td (or ) Tj ET Q q 0 0 0 rg BT 61.08 102.70 Td (permanent ) Tj ET Q q 0 0 0 rg BT 106.03 102.70 Td (impairments ) Tj ET Q q 0 0 0 rg BT 158.77 102.70 Td (of ) Tj ET Q q 0 0 0 rg BT 169.85 102.70 Td (these ) Tj ET Q q 0 0 0 rg BT 193.15 102.70 Td (assets, ) Tj ET Q q 0 0 0 rg BT 221.73 102.70 Td (which ) Tj ET Q q 0 0 0 rg BT 248.92 102.70 Td (would ) Tj ET Q q 0 0 0 rg BT 276.67 102.70 Td (lead ) Tj ET Q q 0 0 0 rg BT 296.08 102.70 Td (to ) Tj ET Q q 0 0 0 rg BT 306.61 102.70 Td (accounting ) Tj ET Q q 0 0 0 rg BT 353.23 102.70 Td (char) Tj ET Q q 0 0 0 rg BT 370.26 102.70 Td (ges ) Tj ET Q q 0 0 0 rg BT 386.34 102.70 Td (which ) Tj ET Q q 0 0 0 rg BT 413.52 102.70 Td (could ) Tj ET Q q 0 0 0 rg BT 438.49 102.70 Td (have ) Tj ET Q q 0 0 0 rg BT 460.12 102.70 Td (a ) Tj ET Q q 0 0 0 rg BT 467.31 102.70 Td (material ) Tj ET Q q 0 0 0 rg BT 502.82 102.70 Td (negative ) Tj ET Q q 0 0 0 rg BT 539.44 102.70 Td (ef) Tj ET Q q 0 0 0 rg BT 547.03 102.70 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 90.70 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 90.70 Td (our ) Tj ET Q q 0 0 0 rg BT 78.33 90.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 117.22 90.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 154.70 90.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 194.98 90.70 Td (and ) Tj ET Q q 0 0 0 rg BT 211.91 90.70 Td (results ) Tj ET Q q 0 0 0 rg BT 240.52 90.70 Td (of ) Tj ET Q q 0 0 0 rg BT 251.35 90.70 Td (operations.) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (27) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.17 742.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 105.01 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 123.08 742.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 171.13 742.25 Td (may ) Tj ET Q q 0 0 0 rg BT 190.84 742.25 Td (fail ) Tj ET Q q 0 0 0 rg BT 207.23 742.25 Td (or ) Tj ET Q q 0 0 0 rg BT 218.62 742.25 Td (be ) Tj ET Q q 0 0 0 rg BT 230.56 742.25 Td (circumvented.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 288.60 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 291.10 742.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.48 718.25 Td (regularly ) Tj ET Q q 0 0 0 rg BT 142.85 718.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 176.22 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 192.93 718.25 Td (updates ) Tj ET Q q 0 0 0 rg BT 225.76 718.25 Td (our ) Tj ET Q q 0 0 0 rg BT 241.36 718.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 274.18 718.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 308.67 718.25 Td (over ) Tj ET Q q 0 0 0 rg BT 328.72 718.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 365.97 718.25 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 407.40 718.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 450.22 718.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 484.72 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 501.43 718.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 547.57 718.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 90.20 706.25 Td (governance ) Tj ET Q q 0 0 0 rg BT 138.74 706.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 172.29 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.18 706.25 Td (procedures. ) Tj ET Q q 0 0 0 rg BT 238.00 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 239.91 706.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 259.58 706.25 Td (system ) Tj ET Q q 0 0 0 rg BT 289.81 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 300.59 706.25 Td (controls, ) Tj ET Q q 0 0 0 rg BT 337.75 706.25 Td (however ) Tj ET Q q 0 0 0 rg BT 374.63 706.25 Td (well-designed ) Tj ET Q q 0 0 0 rg BT 433.18 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 450.07 706.25 Td (operated, ) Tj ET Q q 0 0 0 rg BT 489.44 706.25 Td (is ) Tj ET Q q 0 0 0 rg BT 498.56 706.25 Td (based ) Tj ET Q q 0 0 0 rg BT 523.78 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 534.01 706.25 Td (part ) Tj ET Q q 0 0 0 rg BT 552.00 706.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 80.35 694.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 132.94 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.53 694.25 Td (can ) Tj ET Q q 0 0 0 rg BT 167.55 694.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 201.25 694.25 Td (only ) Tj ET Q q 0 0 0 rg BT 222.17 694.25 Td (reasonable, ) Tj ET Q q 0 0 0 rg BT 270.57 694.25 Td (not ) Tj ET Q q 0 0 0 rg BT 286.50 694.25 Td (absolute, ) Tj ET Q q 0 0 0 rg BT 325.47 694.25 Td (assurances ) Tj ET Q q 0 0 0 rg BT 371.38 694.25 Td (that ) Tj ET Q q 0 0 0 rg BT 389.52 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.88 694.25 Td (objectives ) Tj ET Q q 0 0 0 rg BT 448.57 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.05 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 475.41 694.25 Td (system ) Tj ET Q q 0 0 0 rg BT 506.34 694.25 Td (are ) Tj ET Q q 0 0 0 rg BT 521.69 694.25 Td (met. ) Tj ET Q q 0 0 0 rg BT 542.33 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 544.79 694.25 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (circumvention ) Tj ET Q q 0 0 0 rg BT 110.04 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 120.65 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 136.26 682.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 170.76 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 187.48 682.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 233.63 682.25 Td (or ) Tj ET Q q 0 0 0 rg BT 244.24 682.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 272.62 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 282.68 682.25 Td (comply ) Tj ET Q q 0 0 0 rg BT 314.96 682.25 Td (with ) Tj ET Q q 0 0 0 rg BT 335.02 682.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 381.73 682.25 Td (related ) Tj ET Q q 0 0 0 rg BT 411.22 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 421.28 682.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 455.77 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.49 682.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 518.64 682.25 Td (could ) Tj ET Q q 0 0 0 rg BT 543.14 682.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 670.25 Td (material ) Tj ET Q q 0 0 0 rg BT 92.20 670.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 125.23 670.25 Td (ef) Tj ET Q q 0 0 0 rg BT 132.82 670.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 150.31 670.25 Td (on ) Tj ET Q q 0 0 0 rg BT 162.81 670.25 Td (our ) Tj ET Q q 0 0 0 rg BT 178.64 670.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 217.53 670.25 Td (results ) Tj ET Q q 0 0 0 rg BT 246.14 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.97 670.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 301.12 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.06 670.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 355.54 670.25 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (New ) Tj ET Q q 0 0 0 rg BT 71.12 649.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 93.36 649.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.49 649.25 Td (business ) Tj ET Q q 0 0 0 rg BT 142.29 649.25 Td (and ) Tj ET Q q 0 0 0 rg BT 160.65 649.25 Td (new ) Tj ET Q q 0 0 0 rg BT 180.11 649.25 Td (products ) Tj ET Q q 0 0 0 rg BT 218.47 649.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.82 649.25 Td (services ) Tj ET Q q 0 0 0 rg BT 271.82 649.25 Td (are ) Tj ET Q q 0 0 0 rg BT 287.94 649.25 Td (essential ) Tj ET Q q 0 0 0 rg BT 326.29 649.25 Td (to ) Tj ET Q q 0 0 0 rg BT 336.87 649.25 Td (our ) Tj ET Q q 0 0 0 rg BT 354.11 649.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 382.46 649.25 Td (to ) Tj ET Q q 0 0 0 rg BT 393.03 649.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 429.69 649.25 Td (but ) Tj ET Q q 0 0 0 rg BT 445.83 649.25 Td (may ) Tj ET Q q 0 0 0 rg BT 465.83 649.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 497.51 649.25 Td (us ) Tj ET Q q 0 0 0 rg BT 509.76 649.25 Td (to ) Tj ET Q q 0 0 0 rg BT 520.33 649.25 Td (additional ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 620.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 620.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.24 620.25 Td (continually ) Tj ET Q q 0 0 0 rg BT 112.40 620.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 157.33 620.25 Td (new ) Tj ET Q q 0 0 0 rg BT 176.15 620.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 197.20 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.70 620.25 Td (business ) Tj ET Q q 0 0 0 rg BT 243.76 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.36 620.25 Td (of) Tj ET Q q 0 0 0 rg BT 268.51 620.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 281.77 620.25 Td (new ) Tj ET Q q 0 0 0 rg BT 300.60 620.25 Td (products ) Tj ET Q q 0 0 0 rg BT 337.20 620.25 Td (and ) Tj ET Q q 0 0 0 rg BT 353.80 620.25 Td (services ) Tj ET Q q 0 0 0 rg BT 388.17 620.25 Td (within ) Tj ET Q q 0 0 0 rg BT 415.89 620.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 449.72 620.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 470.78 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 481.27 620.25 Td (business ) Tj ET Q q 0 0 0 rg BT 517.33 620.25 Td (to ) Tj ET Q q 0 0 0 rg BT 527.27 620.25 Td (of) Tj ET Q q 0 0 0 rg BT 535.42 620.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 548.68 620.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 91.83 608.25 Td (a ) Tj ET Q q 0 0 0 rg BT 97.55 608.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 146.04 608.25 Td (array ) Tj ET Q q 0 0 0 rg BT 167.86 608.25 Td (of ) Tj ET Q q 0 0 0 rg BT 177.47 608.25 Td (products ) Tj ET Q q 0 0 0 rg BT 213.19 608.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.91 608.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 264.80 608.25 Td (The ) Tj ET Q q 0 0 0 rg BT 281.63 608.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 317.90 608.25 Td (services ) Tj ET Q q 0 0 0 rg BT 351.38 608.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 385.44 608.25 Td (is ) Tj ET Q q 0 0 0 rg BT 393.40 608.25 Td (continually ) Tj ET Q q 0 0 0 rg BT 439.67 608.25 Td (under) Tj ET Q q 0 0 0 rg BT 462.26 608.25 Td (going ) Tj ET Q q 0 0 0 rg BT 486.32 608.25 Td (rapid ) Tj ET Q q 0 0 0 rg BT 508.14 608.25 Td (technological ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.25 Td (change ) Tj ET Q q 0 0 0 rg BT 80.51 596.25 Td (with ) Tj ET Q q 0 0 0 rg BT 100.47 596.25 Td (frequent ) Tj ET Q q 0 0 0 rg BT 135.98 596.25 Td (introductions ) Tj ET Q q 0 0 0 rg BT 190.94 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.46 596.25 Td (new ) Tj ET Q q 0 0 0 rg BT 220.31 596.25 Td (technology-driven ) Tj ET Q q 0 0 0 rg BT 295.81 596.25 Td (products ) Tj ET Q q 0 0 0 rg BT 332.44 596.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.07 596.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 385.81 596.25 Td (The ) Tj ET Q q 0 0 0 rg BT 403.55 596.25 Td (ef) Tj ET Q q 0 0 0 rg BT 411.13 596.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 440.53 596.25 Td (use ) Tj ET Q q 0 0 0 rg BT 456.05 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 466.57 596.25 Td (technology ) Tj ET Q q 0 0 0 rg BT 513.19 596.25 Td (can ) Tj ET Q q 0 0 0 rg BT 529.26 596.25 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 584.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 584.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 91.75 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.15 584.25 Td (enable ) Tj ET Q q 0 0 0 rg BT 136.20 584.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 173.14 584.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 219.56 584.25 Td (to ) Tj ET Q q 0 0 0 rg BT 229.30 584.25 Td (better ) Tj ET Q q 0 0 0 rg BT 254.02 584.25 Td (serve ) Tj ET Q q 0 0 0 rg BT 277.08 584.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 319.59 584.25 Td (and ) Tj ET Q q 0 0 0 rg BT 335.99 584.25 Td (to ) Tj ET Q q 0 0 0 rg BT 345.73 584.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 374.33 584.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 398.79 584.25 Td (However) Tj ET Q q 0 0 0 rg BT 435.04 584.25 Td (, ) Tj ET Q q 0 0 0 rg BT 439.50 584.25 Td (some ) Tj ET Q q 0 0 0 rg BT 462.57 584.25 Td (new ) Tj ET Q q 0 0 0 rg BT 481.19 584.25 Td (technologies ) Tj ET Q q 0 0 0 rg BT 533.69 584.25 Td (needed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.46 572.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 97.01 572.25 Td (ef) Tj ET Q q 0 0 0 rg BT 104.60 572.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 142.27 572.25 Td (result ) Tj ET Q q 0 0 0 rg BT 167.16 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 177.62 572.25 Td (incremental ) Tj ET Q q 0 0 0 rg BT 227.50 572.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 267.95 572.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 293.13 572.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 311.37 572.25 Td (future ) Tj ET Q q 0 0 0 rg BT 337.92 572.25 Td (success ) Tj ET Q q 0 0 0 rg BT 370.60 572.25 Td (depends, ) Tj ET Q q 0 0 0 rg BT 408.55 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 419.01 572.25 Td (part, ) Tj ET Q q 0 0 0 rg BT 439.74 572.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 462.42 572.25 Td (our ) Tj ET Q q 0 0 0 rg BT 478.43 572.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 506.67 572.25 Td (to ) Tj ET Q q 0 0 0 rg BT 517.13 572.25 Td (address ) Tj ET Q q 0 0 0 rg BT 549.80 572.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 560.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 75.69 560.25 Td (of ) Tj ET Q q 0 0 0 rg BT 86.95 560.25 Td (our ) Tj ET Q q 0 0 0 rg BT 103.20 560.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 146.67 560.25 Td (by ) Tj ET Q q 0 0 0 rg BT 159.60 560.25 Td (using ) Tj ET Q q 0 0 0 rg BT 184.19 560.25 Td (technology ) Tj ET Q q 0 0 0 rg BT 231.55 560.25 Td (to ) Tj ET Q q 0 0 0 rg BT 242.26 560.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 275.73 560.25 Td (products ) Tj ET Q q 0 0 0 rg BT 313.09 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 330.45 560.25 Td (services ) Tj ET Q q 0 0 0 rg BT 365.59 560.25 Td (that ) Tj ET Q q 0 0 0 rg BT 383.51 560.25 Td (will ) Tj ET Q q 0 0 0 rg BT 401.99 560.25 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 431.02 560.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 470.60 560.25 Td (demands, ) Tj ET Q q 0 0 0 rg BT 511.57 560.25 Td (as ) Tj ET Q q 0 0 0 rg BT 522.83 560.25 Td (well ) Tj ET Q q 0 0 0 rg BT 542.97 560.25 Td (as ) Tj ET Q q 0 0 0 rg BT 554.22 560.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 548.25 Td (create ) Tj ET Q q 0 0 0 rg BT 77.40 548.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 120.92 548.25 Td (ef) Tj ET Q q 0 0 0 rg BT 128.51 548.25 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 170.35 548.25 Td (in ) Tj ET Q q 0 0 0 rg BT 181.67 548.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 229.36 548.25 Td (Many ) Tj ET Q q 0 0 0 rg BT 256.22 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 268.08 548.25 Td (our ) Tj ET Q q 0 0 0 rg BT 284.95 548.25 Td (competitors, ) Tj ET Q q 0 0 0 rg BT 338.19 548.25 Td (because ) Tj ET Q q 0 0 0 rg BT 373.37 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 385.24 548.25 Td (their ) Tj ET Q q 0 0 0 rg BT 407.10 548.25 Td (lar) Tj ET Q q 0 0 0 rg BT 417.46 548.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 433.77 548.25 Td (size ) Tj ET Q q 0 0 0 rg BT 452.85 548.25 Td (and ) Tj ET Q q 0 0 0 rg BT 470.82 548.25 Td (available ) Tj ET Q q 0 0 0 rg BT 510.44 548.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 543.13 548.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 536.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 104.57 536.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 136.34 536.25 Td (resources ) Tj ET Q q 0 0 0 rg BT 178.11 536.25 Td (to ) Tj ET Q q 0 0 0 rg BT 189.91 536.25 Td (invest ) Tj ET Q q 0 0 0 rg BT 217.81 536.25 Td (in ) Tj ET Q q 0 0 0 rg BT 229.61 536.25 Td (technological ) Tj ET Q q 0 0 0 rg BT 287.49 536.25 Td (improvements. ) Tj ET Q q 0 0 0 rg BT 350.93 536.25 Td (W) Tj ET Q q 0 0 0 rg BT 359.57 536.25 Td (e ) Tj ET Q q 0 0 0 rg BT 368.02 536.25 Td (may ) Tj ET Q q 0 0 0 rg BT 389.26 536.25 Td (not ) Tj ET Q q 0 0 0 rg BT 406.05 536.25 Td (be ) Tj ET Q q 0 0 0 rg BT 419.51 536.25 Td (able ) Tj ET Q q 0 0 0 rg BT 440.18 536.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.97 536.25 Td (ef) Tj ET Q q 0 0 0 rg BT 459.56 536.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 498.56 536.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 545.34 536.25 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.25 Td (technology-driven ) Tj ET Q q 0 0 0 rg BT 126.17 524.25 Td (products ) Tj ET Q q 0 0 0 rg BT 163.46 524.25 Td (and ) Tj ET Q q 0 0 0 rg BT 180.75 524.25 Td (services ) Tj ET Q q 0 0 0 rg BT 215.82 524.25 Td (or ) Tj ET Q q 0 0 0 rg BT 227.00 524.25 Td (be ) Tj ET Q q 0 0 0 rg BT 239.30 524.25 Td (successful ) Tj ET Q q 0 0 0 rg BT 283.25 524.25 Td (in ) Tj ET Q q 0 0 0 rg BT 293.88 524.25 Td (marketing ) Tj ET Q q 0 0 0 rg BT 337.28 524.25 Td (these ) Tj ET Q q 0 0 0 rg BT 360.68 524.25 Td (products ) Tj ET Q q 0 0 0 rg BT 397.98 524.25 Td (and ) Tj ET Q q 0 0 0 rg BT 415.27 524.25 Td (services ) Tj ET Q q 0 0 0 rg BT 450.33 524.25 Td (to ) Tj ET Q q 0 0 0 rg BT 460.97 524.25 Td (our ) Tj ET Q q 0 0 0 rg BT 477.15 524.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 523.06 524.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 554.24 524.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 101.86 512.25 Td (keep ) Tj ET Q q 0 0 0 rg BT 123.72 512.25 Td (pace ) Tj ET Q q 0 0 0 rg BT 145.02 512.25 Td (with ) Tj ET Q q 0 0 0 rg BT 165.78 512.25 Td (technological ) Tj ET Q q 0 0 0 rg BT 222.63 512.25 Td (change ) Tj ET Q q 0 0 0 rg BT 253.92 512.25 Td (af) Tj ET Q q 0 0 0 rg BT 261.51 512.25 Td (fecting ) Tj ET Q q 0 0 0 rg BT 292.26 512.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.46 512.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 345.42 512.25 Td (services ) Tj ET Q q 0 0 0 rg BT 380.61 512.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 416.37 512.25 Td (could ) Tj ET Q q 0 0 0 rg BT 441.57 512.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 466.76 512.25 Td (a ) Tj ET Q q 0 0 0 rg BT 474.18 512.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 492.72 512.25 Td (of ) Tj ET Q q 0 0 0 rg BT 504.04 512.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 547.57 512.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 500.25 Td (a ) Tj ET Q q 0 0 0 rg BT 78.32 500.25 Td (material ) Tj ET Q q 0 0 0 rg BT 113.57 500.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 146.61 500.25 Td (ef) Tj ET Q q 0 0 0 rg BT 154.20 500.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.68 500.25 Td (on ) Tj ET Q q 0 0 0 rg BT 184.18 500.25 Td (our ) Tj ET Q q 0 0 0 rg BT 200.01 500.25 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 483.25 Td (At ) Tj ET Q q 0 0 0 rg BT 62.29 483.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.79 483.25 Td (same ) Tj ET Q q 0 0 0 rg BT 99.63 483.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 122.19 483.25 Td (there ) Tj ET Q q 0 0 0 rg BT 144.46 483.25 Td (can ) Tj ET Q q 0 0 0 rg BT 160.63 483.25 Td (be ) Tj ET Q q 0 0 0 rg BT 172.35 483.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 217.41 483.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 238.59 483.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.32 483.25 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 308.69 483.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 352.08 483.25 Td (with ) Tj ET Q q 0 0 0 rg BT 372.14 483.25 Td (these ) Tj ET Q q 0 0 0 rg BT 394.98 483.25 Td (ef) Tj ET Q q 0 0 0 rg BT 402.56 483.25 Td (forts, ) Tj ET Q q 0 0 0 rg BT 425.68 483.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 474.06 483.25 Td (in ) Tj ET Q q 0 0 0 rg BT 484.12 483.25 Td (instances ) Tj ET Q q 0 0 0 rg BT 523.07 483.25 Td (where ) Tj ET Q q 0 0 0 rg BT 549.78 483.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 471.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 83.70 471.25 Td (for ) Tj ET Q q 0 0 0 rg BT 97.40 471.25 Td (such ) Tj ET Q q 0 0 0 rg BT 117.77 471.25 Td (services ) Tj ET Q q 0 0 0 rg BT 152.02 471.25 Td (are ) Tj ET Q q 0 0 0 rg BT 166.27 471.25 Td (still ) Tj ET Q q 0 0 0 rg BT 183.32 471.25 Td (developing. ) Tj ET Q q 0 0 0 rg BT 232.30 471.25 Td (In ) Tj ET Q q 0 0 0 rg BT 242.67 471.25 Td (developing ) Tj ET Q q 0 0 0 rg BT 289.14 471.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.63 471.25 Td (marketing ) Tj ET Q q 0 0 0 rg BT 348.21 471.25 Td (new ) Tj ET Q q 0 0 0 rg BT 366.91 471.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 387.84 471.25 Td (of ) Tj ET Q q 0 0 0 rg BT 398.21 471.25 Td (business ) Tj ET Q q 0 0 0 rg BT 434.15 471.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 461.74 471.25 Td (new ) Tj ET Q q 0 0 0 rg BT 480.44 471.25 Td (products ) Tj ET Q q 0 0 0 rg BT 516.92 471.25 Td (or ) Tj ET Q q 0 0 0 rg BT 527.29 471.25 Td (services, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 459.25 Td (we ) Tj ET Q q 0 0 0 rg BT 63.63 459.25 Td (may ) Tj ET Q q 0 0 0 rg BT 82.82 459.25 Td (invest ) Tj ET Q q 0 0 0 rg BT 108.67 459.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 152.85 459.25 Td (time ) Tj ET Q q 0 0 0 rg BT 172.60 459.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.00 459.25 Td (resources. ) Tj ET Q q 0 0 0 rg BT 231.23 459.25 Td (Initial ) Tj ET Q q 0 0 0 rg BT 257.08 459.25 Td (timetables ) Tj ET Q q 0 0 0 rg BT 300.15 459.25 Td (for ) Tj ET Q q 0 0 0 rg BT 313.78 459.25 Td (the ) Tj ET Q q 0 0 0 rg BT 327.97 459.25 Td (introduction ) Tj ET Q q 0 0 0 rg BT 378.82 459.25 Td (and ) Tj ET Q q 0 0 0 rg BT 395.22 459.25 Td (development ) Tj ET Q q 0 0 0 rg BT 448.84 459.25 Td (of ) Tj ET Q q 0 0 0 rg BT 459.14 459.25 Td (new ) Tj ET Q q 0 0 0 rg BT 477.77 459.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 498.63 459.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.93 459.25 Td (business ) Tj ET Q q 0 0 0 rg BT 544.79 459.25 Td (and/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 447.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.49 447.25 Td (new ) Tj ET Q q 0 0 0 rg BT 79.31 447.25 Td (products ) Tj ET Q q 0 0 0 rg BT 115.91 447.25 Td (or ) Tj ET Q q 0 0 0 rg BT 126.40 447.25 Td (services ) Tj ET Q q 0 0 0 rg BT 160.77 447.25 Td (may ) Tj ET Q q 0 0 0 rg BT 180.15 447.25 Td (not ) Tj ET Q q 0 0 0 rg BT 195.09 447.25 Td (be ) Tj ET Q q 0 0 0 rg BT 206.68 447.25 Td (achieved, ) Tj ET Q q 0 0 0 rg BT 246.88 447.25 Td (and ) Tj ET Q q 0 0 0 rg BT 263.48 447.25 Td (price ) Tj ET Q q 0 0 0 rg BT 285.62 447.25 Td (and ) Tj ET Q q 0 0 0 rg BT 302.22 447.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 352.15 447.25 Td (tar) Tj ET Q q 0 0 0 rg BT 362.52 447.25 Td (gets ) Tj ET Q q 0 0 0 rg BT 380.79 447.25 Td (may ) Tj ET Q q 0 0 0 rg BT 400.16 447.25 Td (not ) Tj ET Q q 0 0 0 rg BT 415.10 447.25 Td (prove ) Tj ET Q q 0 0 0 rg BT 440.03 447.25 Td (feasible. ) Tj ET Q q 0 0 0 rg BT 475.79 447.25 Td (External ) Tj ET Q q 0 0 0 rg BT 511.82 447.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 543.69 447.25 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 435.25 Td (as ) Tj ET Q q 0 0 0 rg BT 62.75 435.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 113.26 435.25 Td (with ) Tj ET Q q 0 0 0 rg BT 135.46 435.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 186.81 435.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 238.44 435.25 Td (alternatives, ) Tj ET Q q 0 0 0 rg BT 291.45 435.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.31 435.25 Td (shifting ) Tj ET Q q 0 0 0 rg BT 345.29 435.25 Td (market ) Tj ET Q q 0 0 0 rg BT 377.47 435.25 Td (preferences, ) Tj ET Q q 0 0 0 rg BT 430.46 435.25 Td (may ) Tj ET Q q 0 0 0 rg BT 452.10 435.25 Td (also ) Tj ET Q q 0 0 0 rg BT 472.63 435.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 504.26 435.25 Td (the ) Tj ET Q q 0 0 0 rg BT 520.90 435.25 Td (successful ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 423.25 Td (implementation ) Tj ET Q q 0 0 0 rg BT 115.14 423.25 Td (of ) Tj ET Q q 0 0 0 rg BT 125.85 423.25 Td (a ) Tj ET Q q 0 0 0 rg BT 132.66 423.25 Td (new ) Tj ET Q q 0 0 0 rg BT 151.70 423.25 Td (line ) Tj ET Q q 0 0 0 rg BT 169.07 423.25 Td (of ) Tj ET Q q 0 0 0 rg BT 179.78 423.25 Td (business ) Tj ET Q q 0 0 0 rg BT 216.05 423.25 Td (or ) Tj ET Q q 0 0 0 rg BT 226.75 423.25 Td (a ) Tj ET Q q 0 0 0 rg BT 233.57 423.25 Td (new ) Tj ET Q q 0 0 0 rg BT 252.61 423.25 Td (product ) Tj ET Q q 0 0 0 rg BT 285.53 423.25 Td (or ) Tj ET Q q 0 0 0 rg BT 296.24 423.25 Td (service. ) Tj ET Q q 0 0 0 rg BT 329.43 423.25 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 384.29 423.25 Td (any ) Tj ET Q q 0 0 0 rg BT 401.11 423.25 Td (new ) Tj ET Q q 0 0 0 rg BT 420.15 423.25 Td (line ) Tj ET Q q 0 0 0 rg BT 437.52 423.25 Td (of ) Tj ET Q q 0 0 0 rg BT 448.22 423.25 Td (business ) Tj ET Q q 0 0 0 rg BT 484.49 423.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 512.42 423.25 Td (new ) Tj ET Q q 0 0 0 rg BT 531.45 423.25 Td (product ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 411.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.81 411.25 Td (service ) Tj ET Q q 0 0 0 rg BT 91.60 411.25 Td (could ) Tj ET Q q 0 0 0 rg BT 116.30 411.25 Td (have ) Tj ET Q q 0 0 0 rg BT 137.65 411.25 Td (a ) Tj ET Q q 0 0 0 rg BT 144.57 411.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 189.26 411.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 218.95 411.25 Td (on ) Tj ET Q q 0 0 0 rg BT 231.43 411.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.12 411.25 Td (ef) Tj ET Q q 0 0 0 rg BT 253.71 411.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 300.61 411.25 Td (of ) Tj ET Q q 0 0 0 rg BT 311.42 411.25 Td (our ) Tj ET Q q 0 0 0 rg BT 327.23 411.25 Td (system ) Tj ET Q q 0 0 0 rg BT 357.48 411.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.29 411.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 401.31 411.25 Td (controls. ) Tj ET Q q 0 0 0 rg BT 438.51 411.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 469.31 411.25 Td (to ) Tj ET Q q 0 0 0 rg BT 479.57 411.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 530.92 411.25 Td (manage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 399.25 Td (these ) Tj ET Q q 0 0 0 rg BT 73.52 399.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 95.38 399.25 Td (in ) Tj ET Q q 0 0 0 rg BT 106.12 399.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.31 399.25 Td (development ) Tj ET Q q 0 0 0 rg BT 175.93 399.25 Td (and ) Tj ET Q q 0 0 0 rg BT 193.33 399.25 Td (implementation ) Tj ET Q q 0 0 0 rg BT 259.07 399.25 Td (of ) Tj ET Q q 0 0 0 rg BT 270.37 399.25 Td (new ) Tj ET Q q 0 0 0 rg BT 290.00 399.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 311.85 399.25 Td (of ) Tj ET Q q 0 0 0 rg BT 323.15 399.25 Td (business ) Tj ET Q q 0 0 0 rg BT 360.01 399.25 Td (or ) Tj ET Q q 0 0 0 rg BT 371.31 399.25 Td (new ) Tj ET Q q 0 0 0 rg BT 390.94 399.25 Td (products ) Tj ET Q q 0 0 0 rg BT 428.34 399.25 Td (or ) Tj ET Q q 0 0 0 rg BT 439.64 399.25 Td (services ) Tj ET Q q 0 0 0 rg BT 474.82 399.25 Td (could ) Tj ET Q q 0 0 0 rg BT 500.00 399.25 Td (have ) Tj ET Q q 0 0 0 rg BT 521.85 399.25 Td (a ) Tj ET Q q 0 0 0 rg BT 529.26 399.25 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 387.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.04 387.25 Td (ef) Tj ET Q q 0 0 0 rg BT 90.63 387.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 108.11 387.25 Td (on ) Tj ET Q q 0 0 0 rg BT 120.61 387.25 Td (our ) Tj ET Q q 0 0 0 rg BT 136.44 387.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 175.33 387.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 212.81 387.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 255.59 387.25 Td (and ) Tj ET Q q 0 0 0 rg BT 272.52 387.25 Td (results ) Tj ET Q q 0 0 0 rg BT 301.13 387.25 Td (of ) Tj ET Q q 0 0 0 rg BT 311.96 387.25 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 364.85 Td (Failures ) Tj ET Q q 0 0 0 rg BT 87.51 364.85 Td (of ) Tj ET Q q 0 0 0 rg BT 98.34 364.85 Td (our ) Tj ET Q q 0 0 0 rg BT 115.29 364.85 Td (information ) Tj ET Q q 0 0 0 rg BT 167.25 364.85 Td (technology ) Tj ET Q q 0 0 0 rg BT 214.75 364.85 Td (systems ) Tj ET Q q 0 0 0 rg BT 248.35 364.85 Td (may ) Tj ET Q q 0 0 0 rg BT 268.07 364.85 Td (adversely ) Tj ET Q q 0 0 0 rg BT 308.89 364.85 Td (af) Tj ET Q q 0 0 0 rg BT 317.04 364.85 Td (fect ) Tj ET Q q 0 0 0 rg BT 334.52 364.85 Td (our ) Tj ET Q q 0 0 0 rg BT 351.47 364.85 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 347.85 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 347.85 Td (e ) Tj ET Q q 0 0 0 rg BT 65.64 347.85 Td (are ) Tj ET Q q 0 0 0 rg BT 80.42 347.85 Td (increasingly ) Tj ET Q q 0 0 0 rg BT 131.86 347.85 Td (dependent ) Tj ET Q q 0 0 0 rg BT 175.52 347.85 Td (upon ) Tj ET Q q 0 0 0 rg BT 198.09 347.85 Td (computer ) Tj ET Q q 0 0 0 rg BT 238.42 347.85 Td (and ) Tj ET Q q 0 0 0 rg BT 255.43 347.85 Td (other ) Tj ET Q q 0 0 0 rg BT 278.54 347.85 Td (information ) Tj ET Q q 0 0 0 rg BT 328.33 347.85 Td (technology ) Tj ET Q q 0 0 0 rg BT 375.33 347.85 Td (systems ) Tj ET Q q 0 0 0 rg BT 409.57 347.85 Td (to ) Tj ET Q q 0 0 0 rg BT 419.91 347.85 Td (manage ) Tj ET Q q 0 0 0 rg BT 453.57 347.85 Td (our ) Tj ET Q q 0 0 0 rg BT 469.47 347.85 Td (business. ) Tj ET Q q 0 0 0 rg BT 508.25 347.85 Td (W) Tj ET Q q 0 0 0 rg BT 516.88 347.85 Td (e ) Tj ET Q q 0 0 0 rg BT 523.89 347.85 Td (rely ) Tj ET Q q 0 0 0 rg BT 542.01 347.85 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.85 Td (information ) Tj ET Q q 0 0 0 rg BT 99.43 335.85 Td (technology ) Tj ET Q q 0 0 0 rg BT 146.08 335.85 Td (systems ) Tj ET Q q 0 0 0 rg BT 179.96 335.85 Td (to ) Tj ET Q q 0 0 0 rg BT 189.96 335.85 Td (process, ) Tj ET Q q 0 0 0 rg BT 224.66 335.85 Td (record, ) Tj ET Q q 0 0 0 rg BT 254.92 335.85 Td (monitor ) Tj ET Q q 0 0 0 rg BT 288.80 335.85 Td (and ) Tj ET Q q 0 0 0 rg BT 305.45 335.85 Td (disseminate ) Tj ET Q q 0 0 0 rg BT 354.88 335.85 Td (information ) Tj ET Q q 0 0 0 rg BT 404.31 335.85 Td (about ) Tj ET Q q 0 0 0 rg BT 428.74 335.85 Td (our ) Tj ET Q q 0 0 0 rg BT 444.29 335.85 Td (operations. ) Tj ET Q q 0 0 0 rg BT 490.66 335.85 Td (In ) Tj ET Q q 0 0 0 rg BT 501.20 335.85 Td (some ) Tj ET Q q 0 0 0 rg BT 524.53 335.85 Td (cases, ) Tj ET Q q 0 0 0 rg BT 550.34 335.85 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.85 Td (depend ) Tj ET Q q 0 0 0 rg BT 82.01 323.85 Td (on ) Tj ET Q q 0 0 0 rg BT 95.14 323.85 Td (third ) Tj ET Q q 0 0 0 rg BT 117.16 323.85 Td (parties ) Tj ET Q q 0 0 0 rg BT 146.95 323.85 Td (to ) Tj ET Q q 0 0 0 rg BT 157.86 323.85 Td (provide ) Tj ET Q q 0 0 0 rg BT 191.54 323.85 Td (or ) Tj ET Q q 0 0 0 rg BT 203.00 323.85 Td (maintain ) Tj ET Q q 0 0 0 rg BT 241.12 323.85 Td (these ) Tj ET Q q 0 0 0 rg BT 264.80 323.85 Td (systems. ) Tj ET Q q 0 0 0 rg BT 301.88 323.85 Td (While ) Tj ET Q q 0 0 0 rg BT 329.44 323.85 Td (we ) Tj ET Q q 0 0 0 rg BT 344.24 323.85 Td (perform ) Tj ET Q q 0 0 0 rg BT 379.58 323.85 Td (a ) Tj ET Q q 0 0 0 rg BT 387.15 323.85 Td (review ) Tj ET Q q 0 0 0 rg BT 417.49 323.85 Td (of ) Tj ET Q q 0 0 0 rg BT 428.95 323.85 Td (controls ) Tj ET Q q 0 0 0 rg BT 464.30 323.85 Td (instituted ) Tj ET Q q 0 0 0 rg BT 504.65 323.85 Td (by ) Tj ET Q q 0 0 0 rg BT 517.78 323.85 Td (our ) Tj ET Q q 0 0 0 rg BT 534.25 323.85 Td (critical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.85 Td (vendors ) Tj ET Q q 0 0 0 rg BT 83.94 311.85 Td (in ) Tj ET Q q 0 0 0 rg BT 94.00 311.85 Td (accordance ) Tj ET Q q 0 0 0 rg BT 141.24 311.85 Td (with ) Tj ET Q q 0 0 0 rg BT 161.30 311.85 Td (industry ) Tj ET Q q 0 0 0 rg BT 196.36 311.85 Td (standards, ) Tj ET Q q 0 0 0 rg BT 238.92 311.85 Td (we ) Tj ET Q q 0 0 0 rg BT 252.86 311.85 Td (must ) Tj ET Q q 0 0 0 rg BT 274.59 311.85 Td (rely ) Tj ET Q q 0 0 0 rg BT 292.42 311.85 Td (on ) Tj ET Q q 0 0 0 rg BT 304.70 311.85 Td (the ) Tj ET Q q 0 0 0 rg BT 319.20 311.85 Td (continued ) Tj ET Q q 0 0 0 rg BT 360.91 311.85 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 413.72 311.85 Td (of ) Tj ET Q q 0 0 0 rg BT 424.33 311.85 Td (these ) Tj ET Q q 0 0 0 rg BT 447.16 311.85 Td (controls ) Tj ET Q q 0 0 0 rg BT 481.66 311.85 Td (by ) Tj ET Q q 0 0 0 rg BT 493.94 311.85 Td (the ) Tj ET Q q 0 0 0 rg BT 508.44 311.85 Td (outside ) Tj ET Q q 0 0 0 rg BT 539.61 311.85 Td (party) Tj ET Q q 0 0 0 rg BT 559.51 311.85 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.85 Td (including ) Tj ET Q q 0 0 0 rg BT 90.29 299.85 Td (safeguards ) Tj ET Q q 0 0 0 rg BT 135.56 299.85 Td (over ) Tj ET Q q 0 0 0 rg BT 155.85 299.85 Td (the ) Tj ET Q q 0 0 0 rg BT 170.58 299.85 Td (security ) Tj ET Q q 0 0 0 rg BT 204.75 299.85 Td (of ) Tj ET Q q 0 0 0 rg BT 215.60 299.85 Td (customer ) Tj ET Q q 0 0 0 rg BT 254.77 299.85 Td (data. ) Tj ET Q q 0 0 0 rg BT 275.89 299.85 Td (Additionally) Tj ET Q q 0 0 0 rg BT 325.79 299.85 Td (, ) Tj ET Q q 0 0 0 rg BT 330.81 299.85 Td (we ) Tj ET Q q 0 0 0 rg BT 344.98 299.85 Td (must ) Tj ET Q q 0 0 0 rg BT 366.95 299.85 Td (rely ) Tj ET Q q 0 0 0 rg BT 385.01 299.85 Td (on ) Tj ET Q q 0 0 0 rg BT 397.52 299.85 Td (our ) Tj ET Q q 0 0 0 rg BT 413.37 299.85 Td (employees ) Tj ET Q q 0 0 0 rg BT 458.65 299.85 Td (to ) Tj ET Q q 0 0 0 rg BT 468.95 299.85 Td (safeguard ) Tj ET Q q 0 0 0 rg BT 510.33 299.85 Td (access ) Tj ET Q q 0 0 0 rg BT 538.38 299.85 Td (to ) Tj ET Q q 0 0 0 rg BT 548.68 299.85 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 287.85 Td (information ) Tj ET Q q 0 0 0 rg BT 100.65 287.85 Td (technology ) Tj ET Q q 0 0 0 rg BT 148.53 287.85 Td (systems ) Tj ET Q q 0 0 0 rg BT 183.64 287.85 Td (and ) Tj ET Q q 0 0 0 rg BT 201.52 287.85 Td (avoid ) Tj ET Q q 0 0 0 rg BT 227.18 287.85 Td (inadvertent ) Tj ET Q q 0 0 0 rg BT 275.60 287.85 Td (complicity ) Tj ET Q q 0 0 0 rg BT 321.81 287.85 Td (with ) Tj ET Q q 0 0 0 rg BT 343.03 287.85 Td (external ) Tj ET Q q 0 0 0 rg BT 378.67 287.85 Td (security ) Tj ET Q q 0 0 0 rg BT 413.77 287.85 Td (threats. ) Tj ET Q q 0 0 0 rg BT 445.61 287.85 Td (Although ) Tj ET Q q 0 0 0 rg BT 486.83 287.85 Td (we ) Tj ET Q q 0 0 0 rg BT 501.93 287.85 Td (take ) Tj ET Q q 0 0 0 rg BT 522.02 287.85 Td (protective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.85 Td (measures ) Tj ET Q q 0 0 0 rg BT 89.92 275.85 Td (and ) Tj ET Q q 0 0 0 rg BT 107.06 275.85 Td (endeavor ) Tj ET Q q 0 0 0 rg BT 146.42 275.85 Td (to ) Tj ET Q q 0 0 0 rg BT 156.91 275.85 Td (modify ) Tj ET Q q 0 0 0 rg BT 188.50 275.85 Td (them ) Tj ET Q q 0 0 0 rg BT 211.21 275.85 Td (as ) Tj ET Q q 0 0 0 rg BT 222.24 275.85 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 281.59 275.85 Td (warrant, ) Tj ET Q q 0 0 0 rg BT 317.34 275.85 Td (the ) Tj ET Q q 0 0 0 rg BT 332.27 275.85 Td (security ) Tj ET Q q 0 0 0 rg BT 366.63 275.85 Td (of ) Tj ET Q q 0 0 0 rg BT 377.67 275.85 Td (our ) Tj ET Q q 0 0 0 rg BT 393.71 275.85 Td (computer ) Tj ET Q q 0 0 0 rg BT 434.18 275.85 Td (systems, ) Tj ET Q q 0 0 0 rg BT 471.06 275.85 Td (software ) Tj ET Q q 0 0 0 rg BT 508.20 275.85 Td (and ) Tj ET Q q 0 0 0 rg BT 525.34 275.85 Td (networks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.85 Td (may ) Tj ET Q q 0 0 0 rg BT 69.05 263.85 Td (be ) Tj ET Q q 0 0 0 rg BT 80.33 263.85 Td (vulnerable ) Tj ET Q q 0 0 0 rg BT 124.36 263.85 Td (to ) Tj ET Q q 0 0 0 rg BT 133.98 263.85 Td (breaches, ) Tj ET Q q 0 0 0 rg BT 173.29 263.85 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 227.32 263.85 Td (access, ) Tj ET Q q 0 0 0 rg BT 257.20 263.85 Td (misuse, ) Tj ET Q q 0 0 0 rg BT 289.31 263.85 Td (computer ) Tj ET Q q 0 0 0 rg BT 328.91 263.85 Td (viruses ) Tj ET Q q 0 0 0 rg BT 359.07 263.85 Td (or ) Tj ET Q q 0 0 0 rg BT 369.24 263.85 Td (other ) Tj ET Q q 0 0 0 rg BT 391.62 263.85 Td (malicious ) Tj ET Q q 0 0 0 rg BT 432.34 263.85 Td (code ) Tj ET Q q 0 0 0 rg BT 453.05 263.85 Td (and ) Tj ET Q q 0 0 0 rg BT 469.32 263.85 Td (cyber ) Tj ET Q q 0 0 0 rg BT 493.36 263.85 Td (attacks ) Tj ET Q q 0 0 0 rg BT 522.96 263.85 Td (that ) Tj ET Q q 0 0 0 rg BT 539.79 263.85 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.85 Td (have ) Tj ET Q q 0 0 0 rg BT 70.91 251.85 Td (a ) Tj ET Q q 0 0 0 rg BT 77.38 251.85 Td (security ) Tj ET Q q 0 0 0 rg BT 111.07 251.85 Td (impact. ) Tj ET Q q 0 0 0 rg BT 142.81 251.85 Td (If ) Tj ET Q q 0 0 0 rg BT 151.51 251.85 Td (one ) Tj ET Q q 0 0 0 rg BT 167.98 251.85 Td (or ) Tj ET Q q 0 0 0 rg BT 178.34 251.85 Td (more ) Tj ET Q q 0 0 0 rg BT 200.92 251.85 Td (of ) Tj ET Q q 0 0 0 rg BT 211.28 251.85 Td (these ) Tj ET Q q 0 0 0 rg BT 233.86 251.85 Td (events ) Tj ET Q q 0 0 0 rg BT 261.44 251.85 Td (occur) Tj ET Q q 0 0 0 rg BT 283.25 251.85 Td (, ) Tj ET Q q 0 0 0 rg BT 287.78 251.85 Td (or ) Tj ET Q q 0 0 0 rg BT 298.14 251.85 Td (if ) Tj ET Q q 0 0 0 rg BT 306.29 251.85 Td (any ) Tj ET Q q 0 0 0 rg BT 322.76 251.85 Td (of ) Tj ET Q q 0 0 0 rg BT 333.12 251.85 Td (our ) Tj ET Q q 0 0 0 rg BT 348.48 251.85 Td (financial, ) Tj ET Q q 0 0 0 rg BT 388.00 251.85 Td (accounting ) Tj ET Q q 0 0 0 rg BT 433.90 251.85 Td (or ) Tj ET Q q 0 0 0 rg BT 444.26 251.85 Td (other ) Tj ET Q q 0 0 0 rg BT 466.84 251.85 Td (data ) Tj ET Q q 0 0 0 rg BT 485.53 251.85 Td (processing ) Tj ET Q q 0 0 0 rg BT 530.33 251.85 Td (systems ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.85 Td (fail ) Tj ET Q q 0 0 0 rg BT 64.89 239.85 Td (or ) Tj ET Q q 0 0 0 rg BT 74.78 239.85 Td (have ) Tj ET Q q 0 0 0 rg BT 95.21 239.85 Td (other ) Tj ET Q q 0 0 0 rg BT 117.32 239.85 Td (significant ) Tj ET Q q 0 0 0 rg BT 161.09 239.85 Td (shortcomings, ) Tj ET Q q 0 0 0 rg BT 219.04 239.85 Td (this ) Tj ET Q q 0 0 0 rg BT 235.05 239.85 Td (could ) Tj ET Q q 0 0 0 rg BT 258.82 239.85 Td (jeopardize ) Tj ET Q q 0 0 0 rg BT 302.02 239.85 Td (our ) Tj ET Q q 0 0 0 rg BT 316.91 239.85 Td (or ) Tj ET Q q 0 0 0 rg BT 326.80 239.85 Td (our ) Tj ET Q q 0 0 0 rg BT 341.69 239.85 Td (customers) Tj ET Q q 0 0 0 rg BT 384.83 239.85 Td ( ) Tj ET Q q 0 0 0 rg BT 386.39 239.85 Td (confidential ) Tj ET Q q 0 0 0 rg BT 435.71 239.85 Td (and ) Tj ET Q q 0 0 0 rg BT 451.71 239.85 Td (other ) Tj ET Q q 0 0 0 rg BT 473.81 239.85 Td (information ) Tj ET Q q 0 0 0 rg BT 522.59 239.85 Td (processed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 227.85 Td (and ) Tj ET Q q 0 0 0 rg BT 67.21 227.85 Td (stored ) Tj ET Q q 0 0 0 rg BT 94.42 227.85 Td (in, ) Tj ET Q q 0 0 0 rg BT 107.47 227.85 Td (and ) Tj ET Q q 0 0 0 rg BT 124.68 227.85 Td (transmitted ) Tj ET Q q 0 0 0 rg BT 172.44 227.85 Td (through, ) Tj ET Q q 0 0 0 rg BT 208.82 227.85 Td (our ) Tj ET Q q 0 0 0 rg BT 224.92 227.85 Td (computer ) Tj ET Q q 0 0 0 rg BT 265.45 227.85 Td (systems ) Tj ET Q q 0 0 0 rg BT 299.90 227.85 Td (and ) Tj ET Q q 0 0 0 rg BT 317.10 227.85 Td (networks ) Tj ET Q q 0 0 0 rg BT 356.54 227.85 Td (or ) Tj ET Q q 0 0 0 rg BT 367.64 227.85 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 409.28 227.85 Td (cause ) Tj ET Q q 0 0 0 rg BT 434.26 227.85 Td (interruptions ) Tj ET Q q 0 0 0 rg BT 488.14 227.85 Td (or ) Tj ET Q q 0 0 0 rg BT 499.24 227.85 Td (malfunctions ) Tj ET Q q 0 0 0 rg BT 554.22 227.85 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.85 Td (our ) Tj ET Q q 0 0 0 rg BT 65.20 215.85 Td (operations ) Tj ET Q q 0 0 0 rg BT 108.73 215.85 Td (or ) Tj ET Q q 0 0 0 rg BT 118.94 215.85 Td (the ) Tj ET Q q 0 0 0 rg BT 133.03 215.85 Td (operations ) Tj ET Q q 0 0 0 rg BT 176.56 215.85 Td (of ) Tj ET Q q 0 0 0 rg BT 186.76 215.85 Td (our ) Tj ET Q q 0 0 0 rg BT 201.97 215.85 Td (customers ) Tj ET Q q 0 0 0 rg BT 244.39 215.85 Td (or ) Tj ET Q q 0 0 0 rg BT 254.59 215.85 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 315.61 215.85 Td ( ) Tj ET Q q 0 0 0 rg BT 317.34 215.85 Td (W) Tj ET Q q 0 0 0 rg BT 325.98 215.85 Td (e ) Tj ET Q q 0 0 0 rg BT 332.29 215.85 Td (may ) Tj ET Q q 0 0 0 rg BT 351.38 215.85 Td (be ) Tj ET Q q 0 0 0 rg BT 362.70 215.85 Td (required ) Tj ET Q q 0 0 0 rg BT 397.89 215.85 Td (to ) Tj ET Q q 0 0 0 rg BT 407.54 215.85 Td (expend ) Tj ET Q q 0 0 0 rg BT 438.29 215.85 Td (significant ) Tj ET Q q 0 0 0 rg BT 482.38 215.85 Td (additional ) Tj ET Q q 0 0 0 rg BT 524.24 215.85 Td (resources ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.85 Td (to ) Tj ET Q q 0 0 0 rg BT 60.63 203.85 Td (modify ) Tj ET Q q 0 0 0 rg BT 92.36 203.85 Td (our ) Tj ET Q q 0 0 0 rg BT 108.54 203.85 Td (protective ) Tj ET Q q 0 0 0 rg BT 151.37 203.85 Td (measures ) Tj ET Q q 0 0 0 rg BT 191.42 203.85 Td (or ) Tj ET Q q 0 0 0 rg BT 202.60 203.85 Td (to ) Tj ET Q q 0 0 0 rg BT 213.23 203.85 Td (investigate ) Tj ET Q q 0 0 0 rg BT 259.40 203.85 Td (and ) Tj ET Q q 0 0 0 rg BT 276.68 203.85 Td (remediate ) Tj ET Q q 0 0 0 rg BT 318.95 203.85 Td (vulnerabilities ) Tj ET Q q 0 0 0 rg BT 379.01 203.85 Td (or ) Tj ET Q q 0 0 0 rg BT 390.18 203.85 Td (other ) Tj ET Q q 0 0 0 rg BT 413.58 203.85 Td (exposures, ) Tj ET Q q 0 0 0 rg BT 458.92 203.85 Td (and ) Tj ET Q q 0 0 0 rg BT 476.20 203.85 Td (we ) Tj ET Q q 0 0 0 rg BT 490.71 203.85 Td (may ) Tj ET Q q 0 0 0 rg BT 510.78 203.85 Td (be ) Tj ET Q q 0 0 0 rg BT 523.06 203.85 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.24 203.85 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.85 Td (litigation ) Tj ET Q q 0 0 0 rg BT 89.31 191.85 Td (and ) Tj ET Q q 0 0 0 rg BT 106.94 191.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 145.12 191.85 Td (losses ) Tj ET Q q 0 0 0 rg BT 172.21 191.85 Td (that ) Tj ET Q q 0 0 0 rg BT 190.41 191.85 Td (are ) Tj ET Q q 0 0 0 rg BT 205.81 191.85 Td (either ) Tj ET Q q 0 0 0 rg BT 231.77 191.85 Td (not ) Tj ET Q q 0 0 0 rg BT 247.75 191.85 Td (insured ) Tj ET Q q 0 0 0 rg BT 280.39 191.85 Td (against ) Tj ET Q q 0 0 0 rg BT 311.91 191.85 Td (or ) Tj ET Q q 0 0 0 rg BT 323.44 191.85 Td (not ) Tj ET Q q 0 0 0 rg BT 339.41 191.85 Td (fully ) Tj ET Q q 0 0 0 rg BT 361.50 191.85 Td (covered ) Tj ET Q q 0 0 0 rg BT 396.34 191.85 Td (through ) Tj ET Q q 0 0 0 rg BT 430.65 191.85 Td (any ) Tj ET Q q 0 0 0 rg BT 448.29 191.85 Td (insurance ) Tj ET Q q 0 0 0 rg BT 489.80 191.85 Td (maintained ) Tj ET Q q 0 0 0 rg BT 537.43 191.85 Td (by ) Tj ET Q q 0 0 0 rg BT 550.63 191.85 Td (us. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.85 Td (Security ) Tj ET Q q 0 0 0 rg BT 86.21 179.85 Td (breaches ) Tj ET Q q 0 0 0 rg BT 124.06 179.85 Td (in ) Tj ET Q q 0 0 0 rg BT 134.72 179.85 Td (our ) Tj ET Q q 0 0 0 rg BT 150.93 179.85 Td (online ) Tj ET Q q 0 0 0 rg BT 178.81 179.85 Td (banking ) Tj ET Q q 0 0 0 rg BT 213.91 179.85 Td (systems ) Tj ET Q q 0 0 0 rg BT 248.46 179.85 Td (could ) Tj ET Q q 0 0 0 rg BT 273.55 179.85 Td (also ) Tj ET Q q 0 0 0 rg BT 292.54 179.85 Td (have ) Tj ET Q q 0 0 0 rg BT 314.30 179.85 Td (an ) Tj ET Q q 0 0 0 rg BT 326.62 179.85 Td (adverse ) Tj ET Q q 0 0 0 rg BT 360.04 179.85 Td (ef) Tj ET Q q 0 0 0 rg BT 367.63 179.85 Td (fect ) Tj ET Q q 0 0 0 rg BT 385.49 179.85 Td (on ) Tj ET Q q 0 0 0 rg BT 398.37 179.85 Td (our ) Tj ET Q q 0 0 0 rg BT 414.58 179.85 Td (reputation. ) Tj ET Q q 0 0 0 rg BT 460.51 179.85 Td (Our ) Tj ET Q q 0 0 0 rg BT 478.94 179.85 Td (systems ) Tj ET Q q 0 0 0 rg BT 513.49 179.85 Td (may ) Tj ET Q q 0 0 0 rg BT 533.59 179.85 Td (also ) Tj ET Q q 0 0 0 rg BT 552.58 179.85 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.85 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 167.85 Td (fected ) Tj ET Q q 0 0 0 rg BT 84.07 167.85 Td (by ) Tj ET Q q 0 0 0 rg BT 96.14 167.85 Td (events ) Tj ET Q q 0 0 0 rg BT 123.74 167.85 Td (that ) Tj ET Q q 0 0 0 rg BT 140.80 167.85 Td (are ) Tj ET Q q 0 0 0 rg BT 155.07 167.85 Td (beyond ) Tj ET Q q 0 0 0 rg BT 186.57 167.85 Td (our ) Tj ET Q q 0 0 0 rg BT 201.96 167.85 Td (control, ) Tj ET Q q 0 0 0 rg BT 234.85 167.85 Td (which ) Tj ET Q q 0 0 0 rg BT 261.35 167.85 Td (may ) Tj ET Q q 0 0 0 rg BT 280.63 167.85 Td (include, ) Tj ET Q q 0 0 0 rg BT 314.63 167.85 Td (for ) Tj ET Q q 0 0 0 rg BT 328.35 167.85 Td (example, ) Tj ET Q q 0 0 0 rg BT 366.78 167.85 Td (electrical ) Tj ET Q q 0 0 0 rg BT 405.48 167.85 Td (or ) Tj ET Q q 0 0 0 rg BT 415.87 167.85 Td (telecommunications ) Tj ET Q q 0 0 0 rg BT 498.47 167.85 Td (outages ) Tj ET Q q 0 0 0 rg BT 531.07 167.85 Td (or ) Tj ET Q q 0 0 0 rg BT 541.47 167.85 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.85 Td (damage ) Tj ET Q q 0 0 0 rg BT 83.69 155.85 Td (to ) Tj ET Q q 0 0 0 rg BT 94.07 155.85 Td (our ) Tj ET Q q 0 0 0 rg BT 110.00 155.85 Td (property ) Tj ET Q q 0 0 0 rg BT 146.48 155.85 Td (or ) Tj ET Q q 0 0 0 rg BT 157.41 155.85 Td (assets. ) Tj ET Q q 0 0 0 rg BT 185.27 155.85 Td (Although ) Tj ET Q q 0 0 0 rg BT 225.64 155.85 Td (we ) Tj ET Q q 0 0 0 rg BT 239.90 155.85 Td (take ) Tj ET Q q 0 0 0 rg BT 259.16 155.85 Td (precautions ) Tj ET Q q 0 0 0 rg BT 307.85 155.85 Td (against ) Tj ET Q q 0 0 0 rg BT 338.78 155.85 Td (malfunctions ) Tj ET Q q 0 0 0 rg BT 393.59 155.85 Td (and ) Tj ET Q q 0 0 0 rg BT 410.63 155.85 Td (security ) Tj ET Q q 0 0 0 rg BT 444.89 155.85 Td (breaches, ) Tj ET Q q 0 0 0 rg BT 484.96 155.85 Td (our ) Tj ET Q q 0 0 0 rg BT 500.89 155.85 Td (ef) Tj ET Q q 0 0 0 rg BT 508.48 155.85 Td (forts ) Tj ET Q q 0 0 0 rg BT 529.41 155.85 Td (may ) Tj ET Q q 0 0 0 rg BT 549.23 155.85 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.85 Td (be ) Tj ET Q q 0 0 0 rg BT 61.67 143.85 Td (adequate ) Tj ET Q q 0 0 0 rg BT 99.43 143.85 Td (to ) Tj ET Q q 0 0 0 rg BT 109.44 143.85 Td (prevent ) Tj ET Q q 0 0 0 rg BT 141.66 143.85 Td (problems ) Tj ET Q q 0 0 0 rg BT 181.10 143.85 Td (that ) Tj ET Q q 0 0 0 rg BT 198.33 143.85 Td (could ) Tj ET Q q 0 0 0 rg BT 222.78 143.85 Td (materially ) Tj ET Q q 0 0 0 rg BT 265.54 143.85 Td (adversely ) Tj ET Q q 0 0 0 rg BT 306.09 143.85 Td (af) Tj ET Q q 0 0 0 rg BT 313.68 143.85 Td (fect ) Tj ET Q q 0 0 0 rg BT 330.89 143.85 Td (our ) Tj ET Q q 0 0 0 rg BT 346.45 143.85 Td (business, ) Tj ET Q q 0 0 0 rg BT 385.08 143.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 422.29 143.85 Td (condition ) Tj ET Q q 0 0 0 rg BT 462.29 143.85 Td (and ) Tj ET Q q 0 0 0 rg BT 478.96 143.85 Td (results ) Tj ET Q q 0 0 0 rg BT 507.30 143.85 Td (of ) Tj ET Q q 0 0 0 rg BT 517.86 143.85 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 126.45 Td (Failures by or of our vendors may adversely af) Tj ET Q q 0 0 0 rg BT 242.03 126.45 Td (fect our operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.45 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 109.45 Td (e ) Tj ET Q q 0 0 0 rg BT 65.45 109.45 Td (use ) Tj ET Q q 0 0 0 rg BT 81.16 109.45 Td (and ) Tj ET Q q 0 0 0 rg BT 97.98 109.45 Td (rely ) Tj ET Q q 0 0 0 rg BT 115.90 109.45 Td (upon ) Tj ET Q q 0 0 0 rg BT 138.28 109.45 Td (many ) Tj ET Q q 0 0 0 rg BT 162.87 109.45 Td (external ) Tj ET Q q 0 0 0 rg BT 197.45 109.45 Td (vendors ) Tj ET Q q 0 0 0 rg BT 231.49 109.45 Td (to ) Tj ET Q q 0 0 0 rg BT 241.64 109.45 Td (provide ) Tj ET Q q 0 0 0 rg BT 274.57 109.45 Td (us ) Tj ET Q q 0 0 0 rg BT 285.83 109.45 Td (with ) Tj ET Q q 0 0 0 rg BT 305.99 109.45 Td (day-to-day ) Tj ET Q q 0 0 0 rg BT 351.68 109.45 Td (products ) Tj ET Q q 0 0 0 rg BT 388.50 109.45 Td (and ) Tj ET Q q 0 0 0 rg BT 405.31 109.45 Td (services ) Tj ET Q q 0 0 0 rg BT 439.90 109.45 Td (essential ) Tj ET Q q 0 0 0 rg BT 476.71 109.45 Td (to ) Tj ET Q q 0 0 0 rg BT 486.86 109.45 Td (our ) Tj ET Q q 0 0 0 rg BT 502.57 109.45 Td (operations. ) Tj ET Q q 0 0 0 rg BT 548.93 109.45 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 109.45 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.45 Td (are ) Tj ET Q q 0 0 0 rg BT 63.92 97.45 Td (thus ) Tj ET Q q 0 0 0 rg BT 82.29 97.45 Td (exposed ) Tj ET Q q 0 0 0 rg BT 116.77 97.45 Td (to ) Tj ET Q q 0 0 0 rg BT 126.26 97.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 142.97 97.45 Td (that ) Tj ET Q q 0 0 0 rg BT 159.67 97.45 Td (such ) Tj ET Q q 0 0 0 rg BT 179.71 97.45 Td (vendors ) Tj ET Q q 0 0 0 rg BT 213.08 97.45 Td (will ) Tj ET Q q 0 0 0 rg BT 230.35 97.45 Td (not ) Tj ET Q q 0 0 0 rg BT 244.83 97.45 Td (perform ) Tj ET Q q 0 0 0 rg BT 278.75 97.45 Td (as ) Tj ET Q q 0 0 0 rg BT 288.79 97.45 Td (contracted ) Tj ET Q q 0 0 0 rg BT 332.14 97.45 Td (or ) Tj ET Q q 0 0 0 rg BT 342.18 97.45 Td (at ) Tj ET Q q 0 0 0 rg BT 351.10 97.45 Td (agreed-upon ) Tj ET Q q 0 0 0 rg BT 402.79 97.45 Td (service ) Tj ET Q q 0 0 0 rg BT 432.81 97.45 Td (levels. ) Tj ET Q q 0 0 0 rg BT 460.22 97.45 Td (The ) Tj ET Q q 0 0 0 rg BT 477.48 97.45 Td (failure ) Tj ET Q q 0 0 0 rg BT 505.28 97.45 Td (of ) Tj ET Q q 0 0 0 rg BT 515.32 97.45 Td (our ) Tj ET Q q 0 0 0 rg BT 530.36 97.45 Td (vendors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.45 Td (to ) Tj ET Q q 0 0 0 rg BT 60.35 85.45 Td (perform ) Tj ET Q q 0 0 0 rg BT 95.12 85.45 Td (as ) Tj ET Q q 0 0 0 rg BT 106.02 85.45 Td (contracted ) Tj ET Q q 0 0 0 rg BT 150.23 85.45 Td (or ) Tj ET Q q 0 0 0 rg BT 161.12 85.45 Td (at ) Tj ET Q q 0 0 0 rg BT 170.91 85.45 Td (necessary ) Tj ET Q q 0 0 0 rg BT 212.34 85.45 Td (service ) Tj ET Q q 0 0 0 rg BT 243.22 85.45 Td (levels ) Tj ET Q q 0 0 0 rg BT 269.12 85.45 Td (for ) Tj ET Q q 0 0 0 rg BT 283.34 85.45 Td (any ) Tj ET Q q 0 0 0 rg BT 300.35 85.45 Td (reason ) Tj ET Q q 0 0 0 rg BT 329.02 85.45 Td (could ) Tj ET Q q 0 0 0 rg BT 353.80 85.45 Td (disrupt ) Tj ET Q q 0 0 0 rg BT 384.15 85.45 Td (our ) Tj ET Q q 0 0 0 rg BT 400.04 85.45 Td (operations, ) Tj ET Q q 0 0 0 rg BT 446.77 85.45 Td (which ) Tj ET Q q 0 0 0 rg BT 473.77 85.45 Td (could ) Tj ET Q q 0 0 0 rg BT 498.56 85.45 Td (adversely ) Tj ET Q q 0 0 0 rg BT 539.44 85.45 Td (af) Tj ET Q q 0 0 0 rg BT 547.03 85.45 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.45 Td (our ) Tj ET Q q 0 0 0 rg BT 65.27 73.45 Td (business. ) Tj ET Q q 0 0 0 rg BT 103.59 73.45 Td (In ) Tj ET Q q 0 0 0 rg BT 113.86 73.45 Td (addition, ) Tj ET Q q 0 0 0 rg BT 151.07 73.45 Td (if ) Tj ET Q q 0 0 0 rg BT 159.11 73.45 Td (any ) Tj ET Q q 0 0 0 rg BT 175.49 73.45 Td (of ) Tj ET Q q 0 0 0 rg BT 185.75 73.45 Td (our ) Tj ET Q q 0 0 0 rg BT 201.02 73.45 Td (vendors ) Tj ET Q q 0 0 0 rg BT 234.62 73.45 Td (experience ) Tj ET Q q 0 0 0 rg BT 279.85 73.45 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 325.11 73.45 Td (or ) Tj ET Q q 0 0 0 rg BT 335.38 73.45 Td (other ) Tj ET Q q 0 0 0 rg BT 357.86 73.45 Td (business ) Tj ET Q q 0 0 0 rg BT 393.69 73.45 Td (failure, ) Tj ET Q q 0 0 0 rg BT 424.22 73.45 Td (such ) Tj ET Q q 0 0 0 rg BT 444.49 73.45 Td (failure ) Tj ET Q q 0 0 0 rg BT 472.52 73.45 Td (could ) Tj ET Q q 0 0 0 rg BT 496.67 73.45 Td (af) Tj ET Q q 0 0 0 rg BT 504.26 73.45 Td (fect ) Tj ET Q q 0 0 0 rg BT 521.18 73.45 Td (our ) Tj ET Q q 0 0 0 rg BT 536.45 73.45 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.45 Td (to ) Tj ET Q q 0 0 0 rg BT 59.27 61.45 Td (obtain ) Tj ET Q q 0 0 0 rg BT 85.75 61.45 Td (necessary ) Tj ET Q q 0 0 0 rg BT 126.11 61.45 Td (products ) Tj ET Q q 0 0 0 rg BT 162.04 61.45 Td (or ) Tj ET Q q 0 0 0 rg BT 171.86 61.45 Td (services ) Tj ET Q q 0 0 0 rg BT 205.55 61.45 Td (from ) Tj ET Q q 0 0 0 rg BT 226.48 61.45 Td (a ) Tj ET Q q 0 0 0 rg BT 232.41 61.45 Td (substitute ) Tj ET Q q 0 0 0 rg BT 272.23 61.45 Td (vendor ) Tj ET Q q 0 0 0 rg BT 301.49 61.45 Td (in ) Tj ET Q q 0 0 0 rg BT 310.76 61.45 Td (a ) Tj ET Q q 0 0 0 rg BT 316.68 61.45 Td (timely ) Tj ET Q q 0 0 0 rg BT 343.73 61.45 Td (and ) Tj ET Q q 0 0 0 rg BT 359.65 61.45 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 386.68 61.45 Td (fective ) Tj ET Q q 0 0 0 rg BT 415.37 61.45 Td (manner ) Tj ET Q q 0 0 0 rg BT 446.85 61.45 Td (or ) Tj ET Q q 0 0 0 rg BT 456.67 61.45 Td (prevent ) Tj ET Q q 0 0 0 rg BT 488.14 61.45 Td (us ) Tj ET Q q 0 0 0 rg BT 498.52 61.45 Td (from ) Tj ET Q q 0 0 0 rg BT 519.45 61.45 Td (ef) Tj ET Q q 0 0 0 rg BT 527.04 61.45 Td (fectively ) Tj ET Q endstream endobj 57 0 obj <> endobj 58 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (28) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (pursuing ) Tj ET Q q 0 0 0 rg BT 87.57 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 117.35 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 153.82 742.10 Td (objectives ) Tj ET Q q 0 0 0 rg BT 196.93 742.10 Td (entirely) Tj ET Q q 0 0 0 rg BT 226.83 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 231.90 742.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 250.03 742.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 278.70 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.05 742.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 334.39 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 370.86 742.10 Td (objectives ) Tj ET Q q 0 0 0 rg BT 413.98 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 430.99 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.34 742.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 471.69 742.10 Td (nonperformance ) Tj ET Q q 0 0 0 rg BT 539.78 742.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 90.82 730.10 Td (af) Tj ET Q q 0 0 0 rg BT 98.40 730.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 115.89 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 131.72 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 169.20 730.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 209.47 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.41 730.10 Td (results ) Tj ET Q q 0 0 0 rg BT 255.02 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.85 730.10 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 712.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 712.70 Td (e issue debit cards, and debit card transactions pose a particular cybersecurity risk that is outside of our control.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 695.70 Td (Debit ) Tj ET Q q 0 0 0 rg BT 74.49 695.70 Td (card ) Tj ET Q q 0 0 0 rg BT 93.97 695.70 Td (numbers ) Tj ET Q q 0 0 0 rg BT 130.69 695.70 Td (are ) Tj ET Q q 0 0 0 rg BT 145.17 695.70 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 191.88 695.70 Td (to ) Tj ET Q q 0 0 0 rg BT 201.93 695.70 Td (theft ) Tj ET Q q 0 0 0 rg BT 222.53 695.70 Td (at ) Tj ET Q q 0 0 0 rg BT 232.03 695.70 Td (the ) Tj ET Q q 0 0 0 rg BT 246.52 695.70 Td (point ) Tj ET Q q 0 0 0 rg BT 269.35 695.70 Td (of ) Tj ET Q q 0 0 0 rg BT 279.96 695.70 Td (sale ) Tj ET Q q 0 0 0 rg BT 297.78 695.70 Td (via ) Tj ET Q q 0 0 0 rg BT 312.27 695.70 Td (the ) Tj ET Q q 0 0 0 rg BT 326.76 695.70 Td (physical ) Tj ET Q q 0 0 0 rg BT 362.36 695.70 Td (terminal ) Tj ET Q q 0 0 0 rg BT 397.96 695.70 Td (through ) Tj ET Q q 0 0 0 rg BT 431.34 695.70 Td (which ) Tj ET Q q 0 0 0 rg BT 458.06 695.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 508.10 695.70 Td (are ) Tj ET Q q 0 0 0 rg BT 522.58 695.70 Td (processed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 683.70 Td (and ) Tj ET Q q 0 0 0 rg BT 68.21 683.70 Td (by ) Tj ET Q q 0 0 0 rg BT 81.98 683.70 Td (other ) Tj ET Q q 0 0 0 rg BT 106.30 683.70 Td (means ) Tj ET Q q 0 0 0 rg BT 135.62 683.70 Td (of ) Tj ET Q q 0 0 0 rg BT 147.73 683.70 Td (hacking. ) Tj ET Q q 0 0 0 rg BT 185.38 683.70 Td (The ) Tj ET Q q 0 0 0 rg BT 204.70 683.70 Td (security ) Tj ET Q q 0 0 0 rg BT 240.13 683.70 Td (and ) Tj ET Q q 0 0 0 rg BT 258.34 683.70 Td (integrity ) Tj ET Q q 0 0 0 rg BT 296.00 683.70 Td (of ) Tj ET Q q 0 0 0 rg BT 308.10 683.70 Td (these ) Tj ET Q q 0 0 0 rg BT 332.42 683.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 383.96 683.70 Td (are ) Tj ET Q q 0 0 0 rg BT 399.94 683.70 Td (dependent ) Tj ET Q q 0 0 0 rg BT 444.80 683.70 Td (upon ) Tj ET Q q 0 0 0 rg BT 468.58 683.70 Td (retailers) Tj ET Q q 0 0 0 rg BT 503.37 683.70 Td ( ) Tj ET Q q 0 0 0 rg BT 507.14 683.70 Td (vigilance ) Tj ET Q q 0 0 0 rg BT 547.56 683.70 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 671.70 Td (willingness ) Tj ET Q q 0 0 0 rg BT 98.93 671.70 Td (to ) Tj ET Q q 0 0 0 rg BT 110.07 671.70 Td (invest ) Tj ET Q q 0 0 0 rg BT 137.33 671.70 Td (in ) Tj ET Q q 0 0 0 rg BT 148.48 671.70 Td (technology ) Tj ET Q q 0 0 0 rg BT 196.28 671.70 Td (and ) Tj ET Q q 0 0 0 rg BT 214.09 671.70 Td (upgrades. ) Tj ET Q q 0 0 0 rg BT 256.05 671.70 Td (Despite ) Tj ET Q q 0 0 0 rg BT 289.97 671.70 Td (third-party ) Tj ET Q q 0 0 0 rg BT 336.10 671.70 Td (security ) Tj ET Q q 0 0 0 rg BT 371.13 671.70 Td (risks ) Tj ET Q q 0 0 0 rg BT 393.39 671.70 Td (that ) Tj ET Q q 0 0 0 rg BT 411.75 671.70 Td (are ) Tj ET Q q 0 0 0 rg BT 427.33 671.70 Td (beyond ) Tj ET Q q 0 0 0 rg BT 460.14 671.70 Td (our ) Tj ET Q q 0 0 0 rg BT 476.84 671.70 Td (control, ) Tj ET Q q 0 0 0 rg BT 511.03 671.70 Td (we ) Tj ET Q q 0 0 0 rg BT 526.06 671.70 Td (of) Tj ET Q q 0 0 0 rg BT 534.21 671.70 Td (fer ) Tj ET Q q 0 0 0 rg BT 548.68 671.70 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 659.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 93.70 659.70 Td (protection ) Tj ET Q q 0 0 0 rg BT 137.40 659.70 Td (against ) Tj ET Q q 0 0 0 rg BT 168.88 659.70 Td (fraud ) Tj ET Q q 0 0 0 rg BT 193.13 659.70 Td (and ) Tj ET Q q 0 0 0 rg BT 210.72 659.70 Td (attendant ) Tj ET Q q 0 0 0 rg BT 250.53 659.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 277.57 659.70 Td (for ) Tj ET Q q 0 0 0 rg BT 292.39 659.70 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 347.74 659.70 Td (use ) Tj ET Q q 0 0 0 rg BT 364.23 659.70 Td (of ) Tj ET Q q 0 0 0 rg BT 375.71 659.70 Td (debit ) Tj ET Q q 0 0 0 rg BT 398.86 659.70 Td (cards ) Tj ET Q q 0 0 0 rg BT 423.12 659.70 Td (in ) Tj ET Q q 0 0 0 rg BT 434.05 659.70 Td (order ) Tj ET Q q 0 0 0 rg BT 458.30 659.70 Td (to ) Tj ET Q q 0 0 0 rg BT 469.23 659.70 Td (stay ) Tj ET Q q 0 0 0 rg BT 488.50 659.70 Td (competitive ) Tj ET Q q 0 0 0 rg BT 538.86 659.70 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 659.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 647.70 Td (marketplace. ) Tj ET Q q 0 0 0 rg BT 103.85 647.70 Td (Of) Tj ET Q q 0 0 0 rg BT 114.22 647.70 Td (fering ) Tj ET Q q 0 0 0 rg BT 140.59 647.70 Td (such ) Tj ET Q q 0 0 0 rg BT 161.41 647.70 Td (protection ) Tj ET Q q 0 0 0 rg BT 204.45 647.70 Td (to ) Tj ET Q q 0 0 0 rg BT 214.72 647.70 Td (our ) Tj ET Q q 0 0 0 rg BT 230.54 647.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 273.58 647.70 Td (exposes ) Tj ET Q q 0 0 0 rg BT 307.73 647.70 Td (us ) Tj ET Q q 0 0 0 rg BT 319.12 647.70 Td (to ) Tj ET Q q 0 0 0 rg BT 329.39 647.70 Td (potential ) Tj ET Q q 0 0 0 rg BT 366.87 647.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 393.26 647.70 Td (which, ) Tj ET Q q 0 0 0 rg BT 422.69 647.70 Td (in ) Tj ET Q q 0 0 0 rg BT 432.96 647.70 Td (the ) Tj ET Q q 0 0 0 rg BT 447.67 647.70 Td (event ) Tj ET Q q 0 0 0 rg BT 471.82 647.70 Td (of ) Tj ET Q q 0 0 0 rg BT 482.64 647.70 Td (a ) Tj ET Q q 0 0 0 rg BT 489.57 647.70 Td (data ) Tj ET Q q 0 0 0 rg BT 508.72 647.70 Td (breach ) Tj ET Q q 0 0 0 rg BT 537.86 647.70 Td (at ) Tj ET Q q 0 0 0 rg BT 547.57 647.70 Td (one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 635.70 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 635.70 Td (more ) Tj ET Q q 0 0 0 rg BT 83.88 635.70 Td (retailers ) Tj ET Q q 0 0 0 rg BT 118.58 635.70 Td (of ) Tj ET Q q 0 0 0 rg BT 129.41 635.70 Td (considerable ) Tj ET Q q 0 0 0 rg BT 182.44 635.70 Td (magnitude, ) Tj ET Q q 0 0 0 rg BT 229.65 635.70 Td (may ) Tj ET Q q 0 0 0 rg BT 249.37 635.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 290.19 635.70 Td (af) Tj ET Q q 0 0 0 rg BT 297.77 635.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 315.26 635.70 Td (our ) Tj ET Q q 0 0 0 rg BT 331.09 635.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 369.98 635.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 407.46 635.70 Td (condition, ) Tj ET Q q 0 0 0 rg BT 450.23 635.70 Td (and ) Tj ET Q q 0 0 0 rg BT 467.17 635.70 Td (results ) Tj ET Q q 0 0 0 rg BT 495.78 635.70 Td (of ) Tj ET Q q 0 0 0 rg BT 506.61 635.70 Td (operations. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 614.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 614.70 Td (e ) Tj ET Q q 0 0 0 rg BT 64.47 614.70 Td (depend ) Tj ET Q q 0 0 0 rg BT 95.79 614.70 Td (on ) Tj ET Q q 0 0 0 rg BT 108.23 614.70 Td (the ) Tj ET Q q 0 0 0 rg BT 122.90 614.70 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 161.98 614.70 Td (and ) Tj ET Q q 0 0 0 rg BT 179.43 614.70 Td (completeness ) Tj ET Q q 0 0 0 rg BT 235.74 614.70 Td (of ) Tj ET Q q 0 0 0 rg BT 245.96 614.70 Td (information ) Tj ET Q q 0 0 0 rg BT 297.30 614.70 Td (we ) Tj ET Q q 0 0 0 rg BT 310.29 614.70 Td (receive ) Tj ET Q q 0 0 0 rg BT 341.03 614.70 Td (about ) Tj ET Q q 0 0 0 rg BT 366.25 614.70 Td (our ) Tj ET Q q 0 0 0 rg BT 382.59 614.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 426.14 614.70 Td (and ) Tj ET Q q 0 0 0 rg BT 443.59 614.70 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 504.92 614.70 Td (to ) Tj ET Q q 0 0 0 rg BT 514.58 614.70 Td (make ) Tj ET Q q 0 0 0 rg BT 538.68 614.70 Td (credit ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 602.70 Td (decisions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 585.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 585.70 Td (e ) Tj ET Q q 0 0 0 rg BT 65.84 585.70 Td (rely ) Tj ET Q q 0 0 0 rg BT 84.14 585.70 Td (on ) Tj ET Q q 0 0 0 rg BT 96.90 585.70 Td (information ) Tj ET Q q 0 0 0 rg BT 146.88 585.70 Td (furnished ) Tj ET Q q 0 0 0 rg BT 187.40 585.70 Td (by ) Tj ET Q q 0 0 0 rg BT 200.17 585.70 Td (or ) Tj ET Q q 0 0 0 rg BT 211.26 585.70 Td (on ) Tj ET Q q 0 0 0 rg BT 224.02 585.70 Td (behalf ) Tj ET Q q 0 0 0 rg BT 251.76 585.70 Td (of ) Tj ET Q q 0 0 0 rg BT 262.85 585.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 306.16 585.70 Td (and ) Tj ET Q q 0 0 0 rg BT 323.36 585.70 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 382.76 585.70 Td (in ) Tj ET Q q 0 0 0 rg BT 393.30 585.70 Td (deciding ) Tj ET Q q 0 0 0 rg BT 430.49 585.70 Td (whether ) Tj ET Q q 0 0 0 rg BT 465.46 585.70 Td (to ) Tj ET Q q 0 0 0 rg BT 476.00 585.70 Td (extend ) Tj ET Q q 0 0 0 rg BT 505.41 585.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 530.94 585.70 Td (or ) Tj ET Q q 0 0 0 rg BT 542.03 585.70 Td (enter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 573.70 Td (into ) Tj ET Q q 0 0 0 rg BT 68.49 573.70 Td (other ) Tj ET Q q 0 0 0 rg BT 91.96 573.70 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 144.94 573.70 Td (This ) Tj ET Q q 0 0 0 rg BT 165.65 573.70 Td (information ) Tj ET Q q 0 0 0 rg BT 215.79 573.70 Td (could ) Tj ET Q q 0 0 0 rg BT 240.94 573.70 Td (include ) Tj ET Q q 0 0 0 rg BT 273.30 573.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 311.21 573.70 Td (statements, ) Tj ET Q q 0 0 0 rg BT 358.86 573.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 384.55 573.70 Td (reports, ) Tj ET Q q 0 0 0 rg BT 417.75 573.70 Td (and ) Tj ET Q q 0 0 0 rg BT 435.12 573.70 Td (other ) Tj ET Q q 0 0 0 rg BT 458.59 573.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 496.50 573.70 Td (information. ) Tj ET Q q 0 0 0 rg BT 548.93 573.70 Td (W) Tj ET Q q 0 0 0 rg BT 557.57 573.70 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 561.70 Td (also ) Tj ET Q q 0 0 0 rg BT 69.59 561.70 Td (rely ) Tj ET Q q 0 0 0 rg BT 88.62 561.70 Td (on ) Tj ET Q q 0 0 0 rg BT 102.10 561.70 Td (representations ) Tj ET Q q 0 0 0 rg BT 166.12 561.70 Td (of ) Tj ET Q q 0 0 0 rg BT 177.93 561.70 Td (those ) Tj ET Q q 0 0 0 rg BT 202.52 561.70 Td (customers, ) Tj ET Q q 0 0 0 rg BT 249.05 561.70 Td (counterparties, ) Tj ET Q q 0 0 0 rg BT 311.68 561.70 Td (or ) Tj ET Q q 0 0 0 rg BT 323.49 561.70 Td (other ) Tj ET Q q 0 0 0 rg BT 347.52 561.70 Td (third ) Tj ET Q q 0 0 0 rg BT 369.89 561.70 Td (parties, ) Tj ET Q q 0 0 0 rg BT 402.53 561.70 Td (such ) Tj ET Q q 0 0 0 rg BT 424.34 561.70 Td (as ) Tj ET Q q 0 0 0 rg BT 436.15 561.70 Td (independent ) Tj ET Q q 0 0 0 rg BT 488.51 561.70 Td (auditors, ) Tj ET Q q 0 0 0 rg BT 526.71 561.70 Td (as ) Tj ET Q q 0 0 0 rg BT 538.52 561.70 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 561.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.70 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 87.73 549.70 Td (and ) Tj ET Q q 0 0 0 rg BT 104.37 549.70 Td (completeness ) Tj ET Q q 0 0 0 rg BT 160.44 549.70 Td (of ) Tj ET Q q 0 0 0 rg BT 170.98 549.70 Td (that ) Tj ET Q q 0 0 0 rg BT 188.18 549.70 Td (information. ) Tj ET Q q 0 0 0 rg BT 240.09 549.70 Td (Reliance ) Tj ET Q q 0 0 0 rg BT 277.28 549.70 Td (on ) Tj ET Q q 0 0 0 rg BT 289.48 549.70 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 332.76 549.70 Td (or ) Tj ET Q q 0 0 0 rg BT 343.30 549.70 Td (misleading ) Tj ET Q q 0 0 0 rg BT 389.38 549.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 426.57 549.70 Td (statements, ) Tj ET Q q 0 0 0 rg BT 473.48 549.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 498.45 549.70 Td (reports, ) Tj ET Q q 0 0 0 rg BT 530.92 549.70 Td (or ) Tj ET Q q 0 0 0 rg BT 541.45 549.70 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 537.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 537.70 Td (information ) Tj ET Q q 0 0 0 rg BT 137.19 537.70 Td (could ) Tj ET Q q 0 0 0 rg BT 161.91 537.70 Td (have ) Tj ET Q q 0 0 0 rg BT 183.29 537.70 Td (a ) Tj ET Q q 0 0 0 rg BT 190.22 537.70 Td (material ) Tj ET Q q 0 0 0 rg BT 225.48 537.70 Td (adverse ) Tj ET Q q 0 0 0 rg BT 258.52 537.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 288.23 537.70 Td (on ) Tj ET Q q 0 0 0 rg BT 300.73 537.70 Td (our ) Tj ET Q q 0 0 0 rg BT 316.56 537.70 Td (business, ) Tj ET Q q 0 0 0 rg BT 355.45 537.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 392.93 537.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 433.21 537.70 Td (and ) Tj ET Q q 0 0 0 rg BT 450.15 537.70 Td (results ) Tj ET Q q 0 0 0 rg BT 478.75 537.70 Td (of ) Tj ET Q q 0 0 0 rg BT 489.58 537.70 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 516.70 Td (If ) Tj ET Q q 0 0 0 rg BT 59.95 516.70 Td (we ) Tj ET Q q 0 0 0 rg BT 73.78 516.70 Td (are ) Tj ET Q q 0 0 0 rg BT 89.84 516.70 Td (unable ) Tj ET Q q 0 0 0 rg BT 120.90 516.70 Td (to ) Tj ET Q q 0 0 0 rg BT 131.41 516.70 Td (attract ) Tj ET Q q 0 0 0 rg BT 160.80 516.70 Td (and ) Tj ET Q q 0 0 0 rg BT 179.09 516.70 Td (retain ) Tj ET Q q 0 0 0 rg BT 206.26 516.70 Td (experienced ) Tj ET Q q 0 0 0 rg BT 258.41 516.70 Td (and ) Tj ET Q q 0 0 0 rg BT 276.70 516.70 Td (qualified ) Tj ET Q q 0 0 0 rg BT 316.09 516.70 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 361.88 516.70 Td (our ) Tj ET Q q 0 0 0 rg BT 379.06 516.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 407.33 516.70 Td (to ) Tj ET Q q 0 0 0 rg BT 417.84 516.70 Td (provide ) Tj ET Q q 0 0 0 rg BT 451.11 516.70 Td (high ) Tj ET Q q 0 0 0 rg BT 472.74 516.70 Td (quality ) Tj ET Q q 0 0 0 rg BT 503.80 516.70 Td (service ) Tj ET Q q 0 0 0 rg BT 534.84 516.70 Td (will ) Tj ET Q q 0 0 0 rg BT 552.57 516.70 Td (be ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 504.70 Td (diminished, ) Tj ET Q q 0 0 0 rg BT 100.57 504.70 Td (we ) Tj ET Q q 0 0 0 rg BT 114.17 504.70 Td (may ) Tj ET Q q 0 0 0 rg BT 133.89 504.70 Td (lose ) Tj ET Q q 0 0 0 rg BT 152.50 504.70 Td (key ) Tj ET Q q 0 0 0 rg BT 168.88 504.70 Td (customer ) Tj ET Q q 0 0 0 rg BT 209.16 504.70 Td (relationships, ) Tj ET Q q 0 0 0 rg BT 267.50 504.70 Td (and ) Tj ET Q q 0 0 0 rg BT 285.57 504.70 Td (our ) Tj ET Q q 0 0 0 rg BT 302.52 504.70 Td (results ) Tj ET Q q 0 0 0 rg BT 332.25 504.70 Td (of ) Tj ET Q q 0 0 0 rg BT 343.08 504.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 388.92 504.70 Td (may ) Tj ET Q q 0 0 0 rg BT 408.64 504.70 Td (suf) Tj ET Q q 0 0 0 rg BT 421.24 504.70 Td (fer) Tj ET Q q 0 0 0 rg BT 432.35 504.70 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.70 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 487.70 Td (e ) Tj ET Q q 0 0 0 rg BT 65.21 487.70 Td (believe ) Tj ET Q q 0 0 0 rg BT 96.22 487.70 Td (that ) Tj ET Q q 0 0 0 rg BT 113.35 487.70 Td (our ) Tj ET Q q 0 0 0 rg BT 128.81 487.70 Td (future ) Tj ET Q q 0 0 0 rg BT 154.83 487.70 Td (success ) Tj ET Q q 0 0 0 rg BT 186.95 487.70 Td (depends, ) Tj ET Q q 0 0 0 rg BT 224.36 487.70 Td (in ) Tj ET Q q 0 0 0 rg BT 234.27 487.70 Td (part, ) Tj ET Q q 0 0 0 rg BT 254.45 487.70 Td (on ) Tj ET Q q 0 0 0 rg BT 266.59 487.70 Td (our ) Tj ET Q q 0 0 0 rg BT 282.05 487.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 309.74 487.70 Td (to ) Tj ET Q q 0 0 0 rg BT 319.65 487.70 Td (attract ) Tj ET Q q 0 0 0 rg BT 346.77 487.70 Td (and ) Tj ET Q q 0 0 0 rg BT 363.34 487.70 Td (retain ) Tj ET Q q 0 0 0 rg BT 388.24 487.70 Td (experienced ) Tj ET Q q 0 0 0 rg BT 438.68 487.70 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 482.19 487.70 Td (including ) Tj ET Q q 0 0 0 rg BT 522.10 487.70 Td (our ) Tj ET Q q 0 0 0 rg BT 537.56 487.70 Td (senior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.70 Td (management ) Tj ET Q q 0 0 0 rg BT 104.25 475.70 Td (and ) Tj ET Q q 0 0 0 rg BT 121.84 475.70 Td (other ) Tj ET Q q 0 0 0 rg BT 145.55 475.70 Td (key ) Tj ET Q q 0 0 0 rg BT 163.15 475.70 Td (personnel. ) Tj ET Q q 0 0 0 rg BT 207.68 475.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 226.39 475.70 Td (business ) Tj ET Q q 0 0 0 rg BT 263.44 475.70 Td (model ) Tj ET Q q 0 0 0 rg BT 291.59 475.70 Td (is ) Tj ET Q q 0 0 0 rg BT 301.42 475.70 Td (dependent ) Tj ET Q q 0 0 0 rg BT 345.67 475.70 Td (upon ) Tj ET Q q 0 0 0 rg BT 368.83 475.70 Td (our ) Tj ET Q q 0 0 0 rg BT 385.32 475.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 414.03 475.70 Td (to ) Tj ET Q q 0 0 0 rg BT 424.97 475.70 Td (provide ) Tj ET Q q 0 0 0 rg BT 458.67 475.70 Td (high ) Tj ET Q q 0 0 0 rg BT 479.61 475.70 Td (quality ) Tj ET Q q 0 0 0 rg BT 510.54 475.70 Td (and ) Tj ET Q q 0 0 0 rg BT 528.14 475.70 Td (personal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.70 Td (service. ) Tj ET Q q 0 0 0 rg BT 84.03 463.70 Td (In ) Tj ET Q q 0 0 0 rg BT 95.58 463.70 Td (addition, ) Tj ET Q q 0 0 0 rg BT 134.08 463.70 Td (as ) Tj ET Q q 0 0 0 rg BT 145.63 463.70 Td (a ) Tj ET Q q 0 0 0 rg BT 153.28 463.70 Td (holding ) Tj ET Q q 0 0 0 rg BT 187.06 463.70 Td (company ) Tj ET Q q 0 0 0 rg BT 226.93 463.70 Td (that ) Tj ET Q q 0 0 0 rg BT 245.15 463.70 Td (conducts ) Tj ET Q q 0 0 0 rg BT 283.91 463.70 Td (its ) Tj ET Q q 0 0 0 rg BT 296.58 463.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 341.46 463.70 Td (through ) Tj ET Q q 0 0 0 rg BT 375.78 463.70 Td (our ) Tj ET Q q 0 0 0 rg BT 392.33 463.70 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 445.27 463.70 Td (we ) Tj ET Q q 0 0 0 rg BT 460.15 463.70 Td (are ) Tj ET Q q 0 0 0 rg BT 475.58 463.70 Td (focused ) Tj ET Q q 0 0 0 rg BT 509.89 463.70 Td (on ) Tj ET Q q 0 0 0 rg BT 523.11 463.70 Td (providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.70 Td (entrepreneurial-based ) Tj ET Q q 0 0 0 rg BT 139.38 451.70 Td (compensation ) Tj ET Q q 0 0 0 rg BT 197.68 451.70 Td (to ) Tj ET Q q 0 0 0 rg BT 208.22 451.70 Td (the ) Tj ET Q q 0 0 0 rg BT 223.19 451.70 Td (chief ) Tj ET Q q 0 0 0 rg BT 245.94 451.70 Td (executives ) Tj ET Q q 0 0 0 rg BT 290.90 451.70 Td (of ) Tj ET Q q 0 0 0 rg BT 301.99 451.70 Td (each ) Tj ET Q q 0 0 0 rg BT 323.07 451.70 Td (our ) Tj ET Q q 0 0 0 rg BT 339.16 451.70 Td (business ) Tj ET Q q 0 0 0 rg BT 375.81 451.70 Td (units. ) Tj ET Q q 0 0 0 rg BT 399.91 451.70 Td (As ) Tj ET Q q 0 0 0 rg BT 413.78 451.70 Td (a ) Tj ET Q q 0 0 0 rg BT 420.98 451.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 462.63 451.70 Td (with ) Tj ET Q q 0 0 0 rg BT 483.17 451.70 Td (start-up ) Tj ET Q q 0 0 0 rg BT 516.47 451.70 Td (and ) Tj ET Q q 0 0 0 rg BT 533.67 451.70 Td (growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.70 Td (oriented ) Tj ET Q q 0 0 0 rg BT 84.97 439.70 Td (operations, ) Tj ET Q q 0 0 0 rg BT 131.33 439.70 Td (we ) Tj ET Q q 0 0 0 rg BT 145.20 439.70 Td (are ) Tj ET Q q 0 0 0 rg BT 159.61 439.70 Td (cognizant ) Tj ET Q q 0 0 0 rg BT 200.69 439.70 Td (that ) Tj ET Q q 0 0 0 rg BT 217.90 439.70 Td (to ) Tj ET Q q 0 0 0 rg BT 227.88 439.70 Td (attract ) Tj ET Q q 0 0 0 rg BT 255.07 439.70 Td (and ) Tj ET Q q 0 0 0 rg BT 271.71 439.70 Td (retain ) Tj ET Q q 0 0 0 rg BT 296.68 439.70 Td (the ) Tj ET Q q 0 0 0 rg BT 311.11 439.70 Td (managerial ) Tj ET Q q 0 0 0 rg BT 357.73 439.70 Td (talent ) Tj ET Q q 0 0 0 rg BT 382.15 439.70 Td (necessary ) Tj ET Q q 0 0 0 rg BT 423.23 439.70 Td (to ) Tj ET Q q 0 0 0 rg BT 433.21 439.70 Td (operate ) Tj ET Q q 0 0 0 rg BT 464.84 439.70 Td (and ) Tj ET Q q 0 0 0 rg BT 481.49 439.70 Td (grow ) Tj ET Q q 0 0 0 rg BT 504.25 439.70 Td (our ) Tj ET Q q 0 0 0 rg BT 519.79 439.70 Td (businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.70 Td (we ) Tj ET Q q 0 0 0 rg BT 64.57 427.70 Td (often ) Tj ET Q q 0 0 0 rg BT 88.03 427.70 Td (have ) Tj ET Q q 0 0 0 rg BT 109.81 427.70 Td (to ) Tj ET Q q 0 0 0 rg BT 120.50 427.70 Td (compensate ) Tj ET Q q 0 0 0 rg BT 170.61 427.70 Td (our ) Tj ET Q q 0 0 0 rg BT 186.85 427.70 Td (executives ) Tj ET Q q 0 0 0 rg BT 231.96 427.70 Td (with ) Tj ET Q q 0 0 0 rg BT 252.65 427.70 Td (a ) Tj ET Q q 0 0 0 rg BT 260.00 427.70 Td (view ) Tj ET Q q 0 0 0 rg BT 282.34 427.70 Td (to ) Tj ET Q q 0 0 0 rg BT 293.03 427.70 Td (the ) Tj ET Q q 0 0 0 rg BT 308.16 427.70 Td (business ) Tj ET Q q 0 0 0 rg BT 344.96 427.70 Td (we ) Tj ET Q q 0 0 0 rg BT 359.53 427.70 Td (expect ) Tj ET Q q 0 0 0 rg BT 388.53 427.70 Td (them ) Tj ET Q q 0 0 0 rg BT 411.43 427.70 Td (to ) Tj ET Q q 0 0 0 rg BT 422.12 427.70 Td (manage, ) Tj ET Q q 0 0 0 rg BT 458.63 427.70 Td (rather ) Tj ET Q q 0 0 0 rg BT 484.85 427.70 Td (than ) Tj ET Q q 0 0 0 rg BT 504.98 427.70 Td (the ) Tj ET Q q 0 0 0 rg BT 520.10 427.70 Td (size ) Tj ET Q q 0 0 0 rg BT 538.56 427.70 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 427.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.70 Td (business ) Tj ET Q q 0 0 0 rg BT 86.00 415.70 Td (they ) Tj ET Q q 0 0 0 rg BT 105.32 415.70 Td (currently ) Tj ET Q q 0 0 0 rg BT 143.52 415.70 Td (manage. ) Tj ET Q q 0 0 0 rg BT 178.76 415.70 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 228.09 415.70 Td (, ) Tj ET Q q 0 0 0 rg BT 232.70 415.70 Td (any ) Tj ET Q q 0 0 0 rg BT 249.25 415.70 Td (executive ) Tj ET Q q 0 0 0 rg BT 289.66 415.70 Td (compensation ) Tj ET Q q 0 0 0 rg BT 347.31 415.70 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 393.85 415.70 Td (may ) Tj ET Q q 0 0 0 rg BT 413.18 415.70 Td (negatively ) Tj ET Q q 0 0 0 rg BT 456.94 415.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 486.25 415.70 Td (our ) Tj ET Q q 0 0 0 rg BT 501.69 415.70 Td (ability ) Tj ET Q q 0 0 0 rg BT 529.35 415.70 Td (to ) Tj ET Q q 0 0 0 rg BT 539.23 415.70 Td (retain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.70 Td (and ) Tj ET Q q 0 0 0 rg BT 66.84 403.70 Td (attract ) Tj ET Q q 0 0 0 rg BT 94.22 403.70 Td (senior ) Tj ET Q q 0 0 0 rg BT 121.06 403.70 Td (management. ) Tj ET Q q 0 0 0 rg BT 176.88 403.70 Td (The ) Tj ET Q q 0 0 0 rg BT 194.83 403.70 Td (departure ) Tj ET Q q 0 0 0 rg BT 234.98 403.70 Td (of ) Tj ET Q q 0 0 0 rg BT 245.71 403.70 Td (a ) Tj ET Q q 0 0 0 rg BT 252.55 403.70 Td (senior ) Tj ET Q q 0 0 0 rg BT 279.39 403.70 Td (manager ) Tj ET Q q 0 0 0 rg BT 316.22 403.70 Td (or ) Tj ET Q q 0 0 0 rg BT 326.95 403.70 Td (other ) Tj ET Q q 0 0 0 rg BT 349.90 403.70 Td (key ) Tj ET Q q 0 0 0 rg BT 366.74 403.70 Td (personnel ) Tj ET Q q 0 0 0 rg BT 408.02 403.70 Td (may ) Tj ET Q q 0 0 0 rg BT 427.63 403.70 Td (damage ) Tj ET Q q 0 0 0 rg BT 461.13 403.70 Td (relationships ) Tj ET Q q 0 0 0 rg BT 514.63 403.70 Td (with ) Tj ET Q q 0 0 0 rg BT 534.81 403.70 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.70 Td (customers, ) Tj ET Q q 0 0 0 rg BT 95.57 391.70 Td (or ) Tj ET Q q 0 0 0 rg BT 106.41 391.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 136.13 391.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 179.20 391.70 Td (may ) Tj ET Q q 0 0 0 rg BT 198.94 391.70 Td (choose ) Tj ET Q q 0 0 0 rg BT 229.22 391.70 Td (to ) Tj ET Q q 0 0 0 rg BT 239.52 391.70 Td (follow ) Tj ET Q q 0 0 0 rg BT 268.15 391.70 Td (such ) Tj ET Q q 0 0 0 rg BT 289.00 391.70 Td (personnel ) Tj ET Q q 0 0 0 rg BT 330.39 391.70 Td (to ) Tj ET Q q 0 0 0 rg BT 340.69 391.70 Td (a ) Tj ET Q q 0 0 0 rg BT 347.64 391.70 Td (competitor) Tj ET Q q 0 0 0 rg BT 390.41 391.70 Td (. ) Tj ET Q q 0 0 0 rg BT 395.25 391.70 Td (The ) Tj ET Q q 0 0 0 rg BT 413.31 391.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 431.40 391.70 Td (of ) Tj ET Q q 0 0 0 rg BT 442.24 391.70 Td (any ) Tj ET Q q 0 0 0 rg BT 459.20 391.70 Td (of ) Tj ET Q q 0 0 0 rg BT 470.05 391.70 Td (our ) Tj ET Q q 0 0 0 rg BT 485.90 391.70 Td (senior ) Tj ET Q q 0 0 0 rg BT 512.85 391.70 Td (managers ) Tj ET Q q 0 0 0 rg BT 553.69 391.70 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.70 Td (other ) Tj ET Q q 0 0 0 rg BT 72.08 379.70 Td (key ) Tj ET Q q 0 0 0 rg BT 88.05 379.70 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 130.96 379.70 Td (or ) Tj ET Q q 0 0 0 rg BT 140.82 379.70 Td (our ) Tj ET Q q 0 0 0 rg BT 155.68 379.70 Td (inability ) Tj ET Q q 0 0 0 rg BT 190.55 379.70 Td (to ) Tj ET Q q 0 0 0 rg BT 199.86 379.70 Td (identify) Tj ET Q q 0 0 0 rg BT 230.31 379.70 Td (, ) Tj ET Q q 0 0 0 rg BT 234.34 379.70 Td (recruit ) Tj ET Q q 0 0 0 rg BT 261.97 379.70 Td (and ) Tj ET Q q 0 0 0 rg BT 277.94 379.70 Td (retain ) Tj ET Q q 0 0 0 rg BT 302.24 379.70 Td (such ) Tj ET Q q 0 0 0 rg BT 322.10 379.70 Td (personnel, ) Tj ET Q q 0 0 0 rg BT 365.01 379.70 Td (could ) Tj ET Q q 0 0 0 rg BT 388.76 379.70 Td (materially ) Tj ET Q q 0 0 0 rg BT 430.83 379.70 Td (and ) Tj ET Q q 0 0 0 rg BT 446.80 379.70 Td (adversely ) Tj ET Q q 0 0 0 rg BT 486.64 379.70 Td (af) Tj ET Q q 0 0 0 rg BT 494.23 379.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 510.75 379.70 Td (our ) Tj ET Q q 0 0 0 rg BT 525.61 379.70 Td (business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.70 Td (results ) Tj ET Q q 0 0 0 rg BT 78.61 367.70 Td (of ) Tj ET Q q 0 0 0 rg BT 89.44 367.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 133.59 367.70 Td (and ) Tj ET Q q 0 0 0 rg BT 150.53 367.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.01 367.70 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 345.30 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 345.30 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 345.30 Td (are ) Tj ET Q q 0 0 0 rg BT 80.92 345.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 112.30 345.30 Td (to ) Tj ET Q q 0 0 0 rg BT 122.58 345.30 Td (environmental ) Tj ET Q q 0 0 0 rg BT 185.09 345.30 Td (liability ) Tj ET Q q 0 0 0 rg BT 218.70 345.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 236.76 345.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 281.47 345.30 Td (with ) Tj ET Q q 0 0 0 rg BT 301.76 345.30 Td (lending ) Tj ET Q q 0 0 0 rg BT 335.38 345.30 Td (activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.30 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 328.30 Td ( ) Tj ET Q q 0 0 0 rg BT 58.80 328.30 Td (significant ) Tj ET Q q 0 0 0 rg BT 103.14 328.30 Td (portion ) Tj ET Q q 0 0 0 rg BT 134.16 328.30 Td (of ) Tj ET Q q 0 0 0 rg BT 144.62 328.30 Td (the ) Tj ET Q q 0 0 0 rg BT 158.97 328.30 Td (Company's ) Tj ET Q q 0 0 0 rg BT 205.68 328.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 225.03 328.30 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 262.16 328.30 Td (is ) Tj ET Q q 0 0 0 rg BT 270.96 328.30 Td (secured ) Tj ET Q q 0 0 0 rg BT 303.63 328.30 Td (by ) Tj ET Q q 0 0 0 rg BT 315.76 328.30 Td (real ) Tj ET Q q 0 0 0 rg BT 332.88 328.30 Td (property) Tj ET Q q 0 0 0 rg BT 366.10 328.30 Td (. ) Tj ET Q q 0 0 0 rg BT 370.73 328.30 Td (In ) Tj ET Q q 0 0 0 rg BT 381.20 328.30 Td (the ) Tj ET Q q 0 0 0 rg BT 395.54 328.30 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 431.55 328.30 Td (course ) Tj ET Q q 0 0 0 rg BT 459.78 328.30 Td (of ) Tj ET Q q 0 0 0 rg BT 470.24 328.30 Td (business, ) Tj ET Q q 0 0 0 rg BT 508.77 328.30 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 328.30 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.30 Td (may ) Tj ET Q q 0 0 0 rg BT 69.66 316.30 Td (foreclose ) Tj ET Q q 0 0 0 rg BT 108.75 316.30 Td (on ) Tj ET Q q 0 0 0 rg BT 121.20 316.30 Td (and ) Tj ET Q q 0 0 0 rg BT 138.09 316.30 Td (take ) Tj ET Q q 0 0 0 rg BT 157.19 316.30 Td (title ) Tj ET Q q 0 0 0 rg BT 175.19 316.30 Td (to ) Tj ET Q q 0 0 0 rg BT 185.41 316.30 Td (properties ) Tj ET Q q 0 0 0 rg BT 227.84 316.30 Td (securing ) Tj ET Q q 0 0 0 rg BT 264.17 316.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 293.81 316.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 319.87 316.30 Td (In ) Tj ET Q q 0 0 0 rg BT 330.64 316.30 Td (doing ) Tj ET Q q 0 0 0 rg BT 355.87 316.30 Td (so, ) Tj ET Q q 0 0 0 rg BT 369.71 316.30 Td (there ) Tj ET Q q 0 0 0 rg BT 392.14 316.30 Td (is ) Tj ET Q q 0 0 0 rg BT 401.25 316.30 Td (a ) Tj ET Q q 0 0 0 rg BT 408.14 316.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 425.59 316.30 Td (that ) Tj ET Q q 0 0 0 rg BT 443.03 316.30 Td (hazardous ) Tj ET Q q 0 0 0 rg BT 486.01 316.30 Td (or ) Tj ET Q q 0 0 0 rg BT 496.79 316.30 Td (toxic ) Tj ET Q q 0 0 0 rg BT 519.23 316.30 Td (substances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.30 Td (could ) Tj ET Q q 0 0 0 rg BT 74.51 304.30 Td (be ) Tj ET Q q 0 0 0 rg BT 86.23 304.30 Td (found ) Tj ET Q q 0 0 0 rg BT 111.85 304.30 Td (on ) Tj ET Q q 0 0 0 rg BT 124.14 304.30 Td (these ) Tj ET Q q 0 0 0 rg BT 146.98 304.30 Td (properties. ) Tj ET Q q 0 0 0 rg BT 191.75 304.30 Td (If ) Tj ET Q q 0 0 0 rg BT 200.70 304.30 Td (hazardous ) Tj ET Q q 0 0 0 rg BT 243.53 304.30 Td (or ) Tj ET Q q 0 0 0 rg BT 254.15 304.30 Td (toxic ) Tj ET Q q 0 0 0 rg BT 276.43 304.30 Td (substances ) Tj ET Q q 0 0 0 rg BT 321.49 304.30 Td (are ) Tj ET Q q 0 0 0 rg BT 335.98 304.30 Td (found, ) Tj ET Q q 0 0 0 rg BT 364.10 304.30 Td (the ) Tj ET Q q 0 0 0 rg BT 378.61 304.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 419.79 304.30 Td (may ) Tj ET Q q 0 0 0 rg BT 439.29 304.30 Td (be ) Tj ET Q q 0 0 0 rg BT 451.02 304.30 Td (liable ) Tj ET Q q 0 0 0 rg BT 475.52 304.30 Td (for ) Tj ET Q q 0 0 0 rg BT 489.47 304.30 Td (remediation ) Tj ET Q q 0 0 0 rg BT 539.52 304.30 Td (costs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.30 Td (as ) Tj ET Q q 0 0 0 rg BT 60.93 292.30 Td (well ) Tj ET Q q 0 0 0 rg BT 80.75 292.30 Td (as ) Tj ET Q q 0 0 0 rg BT 91.67 292.30 Td (for ) Tj ET Q q 0 0 0 rg BT 105.93 292.30 Td (personal ) Tj ET Q q 0 0 0 rg BT 142.41 292.30 Td (injury ) Tj ET Q q 0 0 0 rg BT 168.90 292.30 Td (and ) Tj ET Q q 0 0 0 rg BT 185.93 292.30 Td (property ) Tj ET Q q 0 0 0 rg BT 222.41 292.30 Td (damage. ) Tj ET Q q 0 0 0 rg BT 258.60 292.30 Td (In ) Tj ET Q q 0 0 0 rg BT 269.53 292.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 307.40 292.30 Td (we ) Tj ET Q q 0 0 0 rg BT 321.66 292.30 Td (own ) Tj ET Q q 0 0 0 rg BT 341.48 292.30 Td (and ) Tj ET Q q 0 0 0 rg BT 358.52 292.30 Td (operate ) Tj ET Q q 0 0 0 rg BT 390.54 292.30 Td (a ) Tj ET Q q 0 0 0 rg BT 397.58 292.30 Td (number ) Tj ET Q q 0 0 0 rg BT 430.73 292.30 Td (of ) Tj ET Q q 0 0 0 rg BT 441.66 292.30 Td (properties ) Tj ET Q q 0 0 0 rg BT 484.24 292.30 Td (that ) Tj ET Q q 0 0 0 rg BT 501.84 292.30 Td (may ) Tj ET Q q 0 0 0 rg BT 521.65 292.30 Td (be ) Tj ET Q q 0 0 0 rg BT 533.69 292.30 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.30 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 280.30 Td (similar ) Tj ET Q q 0 0 0 rg BT 90.55 280.30 Td (environmental ) Tj ET Q q 0 0 0 rg BT 150.81 280.30 Td (liability ) Tj ET Q q 0 0 0 rg BT 184.42 280.30 Td (risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.30 Td (Environmental ) Tj ET Q q 0 0 0 rg BT 112.10 263.30 Td (laws ) Tj ET Q q 0 0 0 rg BT 133.11 263.30 Td (may ) Tj ET Q q 0 0 0 rg BT 153.00 263.30 Td (require ) Tj ET Q q 0 0 0 rg BT 183.98 263.30 Td (the ) Tj ET Q q 0 0 0 rg BT 198.87 263.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 240.43 263.30 Td (to ) Tj ET Q q 0 0 0 rg BT 250.89 263.30 Td (incur ) Tj ET Q q 0 0 0 rg BT 274.11 263.30 Td (substantial ) Tj ET Q q 0 0 0 rg BT 319.55 263.30 Td (expenses ) Tj ET Q q 0 0 0 rg BT 358.33 263.30 Td (and ) Tj ET Q q 0 0 0 rg BT 375.44 263.30 Td (could ) Tj ET Q q 0 0 0 rg BT 400.33 263.30 Td (materially ) Tj ET Q q 0 0 0 rg BT 443.54 263.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 472.86 263.30 Td (the ) Tj ET Q q 0 0 0 rg BT 487.75 263.30 Td (af) Tj ET Q q 0 0 0 rg BT 495.33 263.30 Td (fected ) Tj ET Q q 0 0 0 rg BT 522.43 263.30 Td (property's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.30 Td (value ) Tj ET Q q 0 0 0 rg BT 74.26 251.30 Td (or ) Tj ET Q q 0 0 0 rg BT 85.19 251.30 Td (limit ) Tj ET Q q 0 0 0 rg BT 106.68 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 121.49 251.30 Td (Company's ) Tj ET Q q 0 0 0 rg BT 168.67 251.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 196.83 251.30 Td (to ) Tj ET Q q 0 0 0 rg BT 207.20 251.30 Td (use ) Tj ET Q q 0 0 0 rg BT 223.13 251.30 Td (or ) Tj ET Q q 0 0 0 rg BT 234.06 251.30 Td (sell ) Tj ET Q q 0 0 0 rg BT 250.55 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 265.37 251.30 Td (af) Tj ET Q q 0 0 0 rg BT 272.96 251.30 Td (fected ) Tj ET Q q 0 0 0 rg BT 299.98 251.30 Td (property) Tj ET Q q 0 0 0 rg BT 333.21 251.30 Td (. ) Tj ET Q q 0 0 0 rg BT 338.12 251.30 Td (The ) Tj ET Q q 0 0 0 rg BT 356.27 251.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 378.87 251.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 422.56 251.30 Td (with ) Tj ET Q q 0 0 0 rg BT 442.94 251.30 Td (investigation ) Tj ET Q q 0 0 0 rg BT 497.20 251.30 Td (and ) Tj ET Q q 0 0 0 rg BT 514.24 251.30 Td (remediation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 89.29 239.30 Td (could ) Tj ET Q q 0 0 0 rg BT 114.70 239.30 Td (be ) Tj ET Q q 0 0 0 rg BT 127.33 239.30 Td (substantial. ) Tj ET Q q 0 0 0 rg BT 175.80 239.30 Td (In ) Tj ET Q q 0 0 0 rg BT 187.32 239.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 225.79 239.30 Td (if ) Tj ET Q q 0 0 0 rg BT 235.09 239.30 Td (we ) Tj ET Q q 0 0 0 rg BT 249.94 239.30 Td (are ) Tj ET Q q 0 0 0 rg BT 265.34 239.30 Td (the ) Tj ET Q q 0 0 0 rg BT 280.75 239.30 Td (owner ) Tj ET Q q 0 0 0 rg BT 308.93 239.30 Td (or ) Tj ET Q q 0 0 0 rg BT 320.45 239.30 Td (former ) Tj ET Q q 0 0 0 rg BT 350.85 239.30 Td (owner ) Tj ET Q q 0 0 0 rg BT 379.03 239.30 Td (of ) Tj ET Q q 0 0 0 rg BT 390.56 239.30 Td (a ) Tj ET Q q 0 0 0 rg BT 398.19 239.30 Td (contaminated ) Tj ET Q q 0 0 0 rg BT 455.25 239.30 Td (site, ) Tj ET Q q 0 0 0 rg BT 474.83 239.30 Td (we ) Tj ET Q q 0 0 0 rg BT 489.68 239.30 Td (may ) Tj ET Q q 0 0 0 rg BT 510.09 239.30 Td (be ) Tj ET Q q 0 0 0 rg BT 522.72 239.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.24 239.30 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 227.30 Td (common ) Tj ET Q q 0 0 0 rg BT 87.11 227.30 Td (law ) Tj ET Q q 0 0 0 rg BT 103.67 227.30 Td (claims ) Tj ET Q q 0 0 0 rg BT 131.89 227.30 Td (by ) Tj ET Q q 0 0 0 rg BT 144.01 227.30 Td (third ) Tj ET Q q 0 0 0 rg BT 165.02 227.30 Td (parties ) Tj ET Q q 0 0 0 rg BT 193.79 227.30 Td (based ) Tj ET Q q 0 0 0 rg BT 218.68 227.30 Td (on ) Tj ET Q q 0 0 0 rg BT 230.80 227.30 Td (damages ) Tj ET Q q 0 0 0 rg BT 267.91 227.30 Td (and ) Tj ET Q q 0 0 0 rg BT 284.46 227.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 306.58 227.30 Td (resulting ) Tj ET Q q 0 0 0 rg BT 343.70 227.30 Td (from ) Tj ET Q q 0 0 0 rg BT 365.25 227.30 Td (environmental ) Tj ET Q q 0 0 0 rg BT 425.13 227.30 Td (contamination ) Tj ET Q q 0 0 0 rg BT 484.46 227.30 Td (emanating ) Tj ET Q q 0 0 0 rg BT 528.23 227.30 Td (from ) Tj ET Q q 0 0 0 rg BT 549.79 227.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.30 Td (property) Tj ET Q q 0 0 0 rg BT 83.23 215.30 Td (. ) Tj ET Q q 0 0 0 rg BT 87.17 215.30 Td (Although ) Tj ET Q q 0 0 0 rg BT 126.80 215.30 Td (the ) Tj ET Q q 0 0 0 rg BT 140.87 215.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 181.60 215.30 Td (has ) Tj ET Q q 0 0 0 rg BT 196.78 215.30 Td (policies ) Tj ET Q q 0 0 0 rg BT 229.74 215.30 Td (and ) Tj ET Q q 0 0 0 rg BT 246.03 215.30 Td (procedures ) Tj ET Q q 0 0 0 rg BT 291.75 215.30 Td (to ) Tj ET Q q 0 0 0 rg BT 301.37 215.30 Td (perform ) Tj ET Q q 0 0 0 rg BT 335.43 215.30 Td (an ) Tj ET Q q 0 0 0 rg BT 346.72 215.30 Td (environmental ) Tj ET Q q 0 0 0 rg BT 406.33 215.30 Td (review ) Tj ET Q q 0 0 0 rg BT 435.39 215.30 Td (before ) Tj ET Q q 0 0 0 rg BT 462.78 215.30 Td (initiating ) Tj ET Q q 0 0 0 rg BT 500.73 215.30 Td (any ) Tj ET Q q 0 0 0 rg BT 517.02 215.30 Td (foreclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.30 Td (action ) Tj ET Q q 0 0 0 rg BT 77.08 203.30 Td (on ) Tj ET Q q 0 0 0 rg BT 89.73 203.30 Td (real ) Tj ET Q q 0 0 0 rg BT 107.36 203.30 Td (property) Tj ET Q q 0 0 0 rg BT 140.59 203.30 Td (, ) Tj ET Q q 0 0 0 rg BT 145.74 203.30 Td (these ) Tj ET Q q 0 0 0 rg BT 168.93 203.30 Td (reviews ) Tj ET Q q 0 0 0 rg BT 202.68 203.30 Td (may ) Tj ET Q q 0 0 0 rg BT 222.54 203.30 Td (not ) Tj ET Q q 0 0 0 rg BT 237.97 203.30 Td (be ) Tj ET Q q 0 0 0 rg BT 250.06 203.30 Td (suf) Tj ET Q q 0 0 0 rg BT 262.10 203.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 290.29 203.30 Td (to ) Tj ET Q q 0 0 0 rg BT 300.71 203.30 Td (detect ) Tj ET Q q 0 0 0 rg BT 327.23 203.30 Td (all ) Tj ET Q q 0 0 0 rg BT 339.88 203.30 Td (potential ) Tj ET Q q 0 0 0 rg BT 377.52 203.30 Td (environmental ) Tj ET Q q 0 0 0 rg BT 437.92 203.30 Td (hazards. ) Tj ET Q q 0 0 0 rg BT 473.42 203.30 Td (The ) Tj ET Q q 0 0 0 rg BT 491.61 203.30 Td (remediation ) Tj ET Q q 0 0 0 rg BT 542.02 203.30 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.30 Td (and ) Tj ET Q q 0 0 0 rg BT 66.63 191.30 Td (any ) Tj ET Q q 0 0 0 rg BT 83.26 191.30 Td (other ) Tj ET Q q 0 0 0 rg BT 106.00 191.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 143.17 191.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 182.58 191.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 225.87 191.30 Td (with ) Tj ET Q q 0 0 0 rg BT 245.84 191.30 Td (an ) Tj ET Q q 0 0 0 rg BT 257.47 191.30 Td (environmental ) Tj ET Q q 0 0 0 rg BT 317.42 191.30 Td (hazard ) Tj ET Q q 0 0 0 rg BT 346.26 191.30 Td (could ) Tj ET Q q 0 0 0 rg BT 370.67 191.30 Td (have ) Tj ET Q q 0 0 0 rg BT 391.74 191.30 Td (a ) Tj ET Q q 0 0 0 rg BT 398.37 191.30 Td (material ) Tj ET Q q 0 0 0 rg BT 433.32 191.30 Td (adverse ) Tj ET Q q 0 0 0 rg BT 466.05 191.30 Td (ef) Tj ET Q q 0 0 0 rg BT 473.64 191.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 490.82 191.30 Td (on ) Tj ET Q q 0 0 0 rg BT 503.01 191.30 Td (the ) Tj ET Q q 0 0 0 rg BT 517.42 191.30 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.30 Td (business, ) Tj ET Q q 0 0 0 rg BT 88.89 179.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 126.37 179.30 Td (condition ) Tj ET Q q 0 0 0 rg BT 166.65 179.30 Td (and ) Tj ET Q q 0 0 0 rg BT 183.58 179.30 Td (results ) Tj ET Q q 0 0 0 rg BT 212.19 179.30 Td (of ) Tj ET Q q 0 0 0 rg BT 223.02 179.30 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 162.30 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 162.30 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 162.30 Td (are ) Tj ET Q q 0 0 0 rg BT 80.92 162.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 112.30 162.30 Td (to ) Tj ET Q q 0 0 0 rg BT 122.58 162.30 Td (claims ) Tj ET Q q 0 0 0 rg BT 151.75 162.30 Td (and ) Tj ET Q q 0 0 0 rg BT 169.81 162.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 192.30 162.30 Td (actions ) Tj ET Q q 0 0 0 rg BT 224.25 162.30 Td (which ) Tj ET Q q 0 0 0 rg BT 251.76 162.30 Td (could ) Tj ET Q q 0 0 0 rg BT 277.04 162.30 Td (negatively ) Tj ET Q q 0 0 0 rg BT 321.19 162.30 Td (af) Tj ET Q q 0 0 0 rg BT 329.34 162.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 346.83 162.30 Td (our ) Tj ET Q q 0 0 0 rg BT 363.78 162.30 Td (results ) Tj ET Q q 0 0 0 rg BT 393.51 162.30 Td (of ) Tj ET Q q 0 0 0 rg BT 404.34 162.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 450.18 162.30 Td (or ) Tj ET Q q 0 0 0 rg BT 461.57 162.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 501.30 162.30 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.30 Td (Periodically) Tj ET Q q 0 0 0 rg BT 97.67 145.30 Td (, ) Tj ET Q q 0 0 0 rg BT 102.74 145.30 Td (as ) Tj ET Q q 0 0 0 rg BT 113.64 145.30 Td (a ) Tj ET Q q 0 0 0 rg BT 120.64 145.30 Td (result ) Tj ET Q q 0 0 0 rg BT 145.43 145.30 Td (of ) Tj ET Q q 0 0 0 rg BT 156.32 145.30 Td (our ) Tj ET Q q 0 0 0 rg BT 172.22 145.30 Td (normal ) Tj ET Q q 0 0 0 rg BT 203.11 145.30 Td (course ) Tj ET Q q 0 0 0 rg BT 231.78 145.30 Td (of ) Tj ET Q q 0 0 0 rg BT 242.68 145.30 Td (business, ) Tj ET Q q 0 0 0 rg BT 281.64 145.30 Td (we ) Tj ET Q q 0 0 0 rg BT 295.86 145.30 Td (are ) Tj ET Q q 0 0 0 rg BT 310.64 145.30 Td (involved ) Tj ET Q q 0 0 0 rg BT 348.20 145.30 Td (in ) Tj ET Q q 0 0 0 rg BT 358.55 145.30 Td (claims ) Tj ET Q q 0 0 0 rg BT 387.22 145.30 Td (and ) Tj ET Q q 0 0 0 rg BT 404.22 145.30 Td (related ) Tj ET Q q 0 0 0 rg BT 433.99 145.30 Td (litigation ) Tj ET Q q 0 0 0 rg BT 472.67 145.30 Td (from ) Tj ET Q q 0 0 0 rg BT 494.67 145.30 Td (our ) Tj ET Q q 0 0 0 rg BT 510.57 145.30 Td (customers ) Tj ET Q q 0 0 0 rg BT 553.69 145.30 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.30 Td (employees. ) Tj ET Q q 0 0 0 rg BT 98.30 133.30 Td ( ) Tj ET Q q 0 0 0 rg BT 101.11 133.30 Td (These ) Tj ET Q q 0 0 0 rg BT 128.02 133.30 Td (claims ) Tj ET Q q 0 0 0 rg BT 157.15 133.30 Td (and ) Tj ET Q q 0 0 0 rg BT 174.62 133.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 197.09 133.30 Td (actions, ) Tj ET Q q 0 0 0 rg BT 230.95 133.30 Td (whether ) Tj ET Q q 0 0 0 rg BT 266.19 133.30 Td (meritorious ) Tj ET Q q 0 0 0 rg BT 315.32 133.30 Td (or ) Tj ET Q q 0 0 0 rg BT 326.69 133.30 Td (not, ) Tj ET Q q 0 0 0 rg BT 345.00 133.30 Td (as ) Tj ET Q q 0 0 0 rg BT 356.36 133.30 Td (well ) Tj ET Q q 0 0 0 rg BT 376.61 133.30 Td (as ) Tj ET Q q 0 0 0 rg BT 387.97 133.30 Td (reviews, ) Tj ET Q q 0 0 0 rg BT 424.60 133.30 Td (investigations ) Tj ET Q q 0 0 0 rg BT 483.18 133.30 Td (and ) Tj ET Q q 0 0 0 rg BT 500.65 133.30 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 552.00 133.30 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.30 Td (governmental ) Tj ET Q q 0 0 0 rg BT 107.52 121.30 Td (and ) Tj ET Q q 0 0 0 rg BT 124.50 121.30 Td (self-regulatory ) Tj ET Q q 0 0 0 rg BT 185.91 121.30 Td (agencies ) Tj ET Q q 0 0 0 rg BT 222.88 121.30 Td (could ) Tj ET Q q 0 0 0 rg BT 247.64 121.30 Td (involve ) Tj ET Q q 0 0 0 rg BT 280.17 121.30 Td (lar) Tj ET Q q 0 0 0 rg BT 290.54 121.30 Td (ge ) Tj ET Q q 0 0 0 rg BT 302.52 121.30 Td (monetary ) Tj ET Q q 0 0 0 rg BT 342.83 121.30 Td (claims ) Tj ET Q q 0 0 0 rg BT 371.48 121.30 Td (and ) Tj ET Q q 0 0 0 rg BT 388.46 121.30 Td (significant ) Tj ET Q q 0 0 0 rg BT 433.21 121.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 455.19 121.30 Td (expense. ) Tj ET Q q 0 0 0 rg BT 492.44 121.30 Td ( ) Tj ET Q q 0 0 0 rg BT 494.98 121.30 Td (In ) Tj ET Q q 0 0 0 rg BT 505.85 121.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 543.67 121.30 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.30 Td (actions ) Tj ET Q q 0 0 0 rg BT 81.06 109.30 Td (may ) Tj ET Q q 0 0 0 rg BT 101.01 109.30 Td (negatively ) Tj ET Q q 0 0 0 rg BT 145.39 109.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 175.33 109.30 Td (our ) Tj ET Q q 0 0 0 rg BT 191.39 109.30 Td (reputation ) Tj ET Q q 0 0 0 rg BT 234.67 109.30 Td (in ) Tj ET Q q 0 0 0 rg BT 245.18 109.30 Td (the ) Tj ET Q q 0 0 0 rg BT 260.13 109.30 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 311.72 109.30 Td (and ) Tj ET Q q 0 0 0 rg BT 328.89 109.30 Td (lessen ) Tj ET Q q 0 0 0 rg BT 356.06 109.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 395.44 109.30 Td (demand. ) Tj ET Q q 0 0 0 rg BT 432.33 109.30 Td ( ) Tj ET Q q 0 0 0 rg BT 435.06 109.30 Td (If ) Tj ET Q q 0 0 0 rg BT 444.46 109.30 Td (such ) Tj ET Q q 0 0 0 rg BT 465.52 109.30 Td (claims ) Tj ET Q q 0 0 0 rg BT 494.35 109.30 Td (and ) Tj ET Q q 0 0 0 rg BT 511.52 109.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 533.69 109.30 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.30 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 97.30 Td (not ) Tj ET Q q 0 0 0 rg BT 79.99 97.30 Td (decided ) Tj ET Q q 0 0 0 rg BT 113.58 97.30 Td (in ) Tj ET Q q 0 0 0 rg BT 123.68 97.30 Td (W) Tj ET Q q 0 0 0 rg BT 132.71 97.30 Td (intrust's ) Tj ET Q q 0 0 0 rg BT 166.46 97.30 Td (favor) Tj ET Q q 0 0 0 rg BT 187.16 97.30 Td (, ) Tj ET Q q 0 0 0 rg BT 192.16 97.30 Td (our ) Tj ET Q q 0 0 0 rg BT 207.99 97.30 Td (results ) Tj ET Q q 0 0 0 rg BT 236.60 97.30 Td (of ) Tj ET Q q 0 0 0 rg BT 247.43 97.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 291.59 97.30 Td (and ) Tj ET Q q 0 0 0 rg BT 308.53 97.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 346.01 97.30 Td (condition ) Tj ET Q q 0 0 0 rg BT 386.28 97.30 Td (could ) Tj ET Q q 0 0 0 rg BT 411.00 97.30 Td (be ) Tj ET Q q 0 0 0 rg BT 422.93 97.30 Td (adversely ) Tj ET Q q 0 0 0 rg BT 463.75 97.30 Td (impacted.) Tj ET Q endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (29) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Losses ) Tj ET Q q 0 0 0 rg BT 79.91 742.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 118.16 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 129.18 742.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 177.43 742.25 Td (with ) Tj ET Q q 0 0 0 rg BT 197.90 742.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 226.15 742.25 Td (or ) Tj ET Q q 0 0 0 rg BT 237.73 742.25 Td (projected ) Tj ET Q q 0 0 0 rg BT 278.18 742.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 330.87 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.12 742.25 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 417.36 742.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 458.94 742.25 Td (related ) Tj ET Q q 0 0 0 rg BT 489.95 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 500.42 742.25 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 545.88 742.25 Td (that ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (we ) Tj ET Q q 0 0 0 rg BT 63.41 730.25 Td (have ) Tj ET Q q 0 0 0 rg BT 85.14 730.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 104.11 730.25 Td (into ) Tj ET Q q 0 0 0 rg BT 122.52 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 137.60 730.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 181.56 730.25 Td (market ) Tj ET Q q 0 0 0 rg BT 212.74 730.25 Td (may ) Tj ET Q q 0 0 0 rg BT 232.26 730.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 262.31 730.25 Td (our ) Tj ET Q q 0 0 0 rg BT 279.06 730.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 318.58 730.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 360.32 730.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 395.94 730.25 Td (and ) Tj ET Q q 0 0 0 rg BT 413.80 730.25 Td (we ) Tj ET Q q 0 0 0 rg BT 427.20 730.25 Td (may ) Tj ET Q q 0 0 0 rg BT 446.72 730.25 Td (be ) Tj ET Q q 0 0 0 rg BT 458.45 730.25 Td (required ) Tj ET Q q 0 0 0 rg BT 495.75 730.25 Td (to ) Tj ET Q q 0 0 0 rg BT 505.83 730.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 542.56 730.25 Td (such ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 87.93 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 100.88 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 118.26 718.25 Td (future. ) Tj ET Q q 0 0 0 rg BT 150.93 718.25 Td (Increases ) Tj ET Q q 0 0 0 rg BT 194.99 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.37 718.25 Td (our ) Tj ET Q q 0 0 0 rg BT 226.43 718.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 264.36 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 284.53 718.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 313.03 718.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 353.20 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 366.15 718.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 416.32 718.25 Td (with ) Tj ET Q q 0 0 0 rg BT 438.71 718.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 468.88 718.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 491.83 718.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 546.44 718.25 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 118.27 706.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 159.86 706.25 Td (could ) Tj ET Q q 0 0 0 rg BT 185.34 706.25 Td (have ) Tj ET Q q 0 0 0 rg BT 207.49 706.25 Td (a ) Tj ET Q q 0 0 0 rg BT 215.19 706.25 Td (material ) Tj ET Q q 0 0 0 rg BT 252.34 706.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 286.14 706.25 Td (ef) Tj ET Q q 0 0 0 rg BT 293.73 706.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 311.42 706.25 Td (on ) Tj ET Q q 0 0 0 rg BT 324.69 706.25 Td (our ) Tj ET Q q 0 0 0 rg BT 341.85 706.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 382.07 706.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 422.00 706.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 466.10 706.25 Td (results ) Tj ET Q q 0 0 0 rg BT 496.04 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 507.07 706.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 553.12 706.25 Td (or ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 71.39 694.25 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 677.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.76 677.25 Td (engage ) Tj ET Q q 0 0 0 rg BT 96.76 677.25 Td (in ) Tj ET Q q 0 0 0 rg BT 107.23 677.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.13 677.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 168.70 677.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.82 677.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 224.04 677.25 Td (of ) Tj ET Q q 0 0 0 rg BT 235.06 677.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 279.39 677.25 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 323.74 677.25 Td (for ) Tj ET Q q 0 0 0 rg BT 338.08 677.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 356.31 677.25 Td (into ) Tj ET Q q 0 0 0 rg BT 374.56 677.25 Td (the ) Tj ET Q q 0 0 0 rg BT 389.46 677.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 432.68 677.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 465.63 677.25 Td (In ) Tj ET Q q 0 0 0 rg BT 476.65 677.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 523.20 677.25 Td (with ) Tj ET Q q 0 0 0 rg BT 543.67 677.25 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.25 Td (sales, ) Tj ET Q q 0 0 0 rg BT 75.06 665.25 Td (we ) Tj ET Q q 0 0 0 rg BT 89.84 665.25 Td (make ) Tj ET Q q 0 0 0 rg BT 114.61 665.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 144.93 665.25 Td (representations ) Tj ET Q q 0 0 0 rg BT 208.58 665.25 Td (and ) Tj ET Q q 0 0 0 rg BT 226.14 665.25 Td (warranties, ) Tj ET Q q 0 0 0 rg BT 273.41 665.25 Td (which, ) Tj ET Q q 0 0 0 rg BT 303.46 665.25 Td (if ) Tj ET Q q 0 0 0 rg BT 312.69 665.25 Td (breached, ) Tj ET Q q 0 0 0 rg BT 354.39 665.25 Td (may ) Tj ET Q q 0 0 0 rg BT 374.73 665.25 Td (require ) Tj ET Q q 0 0 0 rg BT 406.17 665.25 Td (us ) Tj ET Q q 0 0 0 rg BT 418.18 665.25 Td (to ) Tj ET Q q 0 0 0 rg BT 429.07 665.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 475.50 665.25 Td (such ) Tj ET Q q 0 0 0 rg BT 496.95 665.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 523.67 665.25 Td (substitute ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.25 Td (other ) Tj ET Q q 0 0 0 rg BT 72.75 653.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 96.07 653.25 Td (or ) Tj ET Q q 0 0 0 rg BT 106.61 653.25 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 149.92 653.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.34 653.25 Td (purchasers ) Tj ET Q q 0 0 0 rg BT 209.31 653.25 Td (of ) Tj ET Q q 0 0 0 rg BT 219.84 653.25 Td (such ) Tj ET Q q 0 0 0 rg BT 240.38 653.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 263.70 653.25 Td (for ) Tj ET Q q 0 0 0 rg BT 277.56 653.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 303.64 653.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 329.74 653.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 365.26 653.25 Td (in ) Tj ET Q q 0 0 0 rg BT 375.25 653.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 405.77 653.25 Td (of ) Tj ET Q q 0 0 0 rg BT 416.31 653.25 Td (such ) Tj ET Q q 0 0 0 rg BT 436.85 653.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 462.66 653.25 Td (Due, ) Tj ET Q q 0 0 0 rg BT 484.03 653.25 Td (in ) Tj ET Q q 0 0 0 rg BT 494.01 653.25 Td (part, ) Tj ET Q q 0 0 0 rg BT 514.27 653.25 Td (to ) Tj ET Q q 0 0 0 rg BT 524.25 653.25 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 91.11 641.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 128.89 641.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 181.11 641.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 203.33 641.25 Td (and ) Tj ET Q q 0 0 0 rg BT 221.12 641.25 Td (declining ) Tj ET Q q 0 0 0 rg BT 261.67 641.25 Td (housing ) Tj ET Q q 0 0 0 rg BT 296.69 641.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 323.91 641.25 Td (during ) Tj ET Q q 0 0 0 rg BT 353.37 641.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.93 641.25 Td (post ) Tj ET Q q 0 0 0 rg BT 388.95 641.25 Td (2007 ) Tj ET Q q 0 0 0 rg BT 412.29 641.25 Td (period, ) Tj ET Q q 0 0 0 rg BT 443.69 641.25 Td (we ) Tj ET Q q 0 0 0 rg BT 458.69 641.25 Td (have ) Tj ET Q q 0 0 0 rg BT 480.92 641.25 Td (been ) Tj ET Q q 0 0 0 rg BT 503.14 641.25 Td (receiving ) Tj ET Q q 0 0 0 rg BT 543.69 641.25 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 629.25 Td (requests ) Tj ET Q q 0 0 0 rg BT 85.75 629.25 Td (for ) Tj ET Q q 0 0 0 rg BT 100.40 629.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 120.60 629.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 170.78 629.25 Td (and ) Tj ET Q q 0 0 0 rg BT 188.20 629.25 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 254.50 629.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 295.81 629.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 329.33 629.25 Td (to ) Tj ET Q q 0 0 0 rg BT 340.09 629.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.29 629.25 Td (representations ) Tj ET Q q 0 0 0 rg BT 418.81 629.25 Td (and ) Tj ET Q q 0 0 0 rg BT 436.23 629.25 Td (warranties ) Tj ET Q q 0 0 0 rg BT 480.86 629.25 Td (with ) Tj ET Q q 0 0 0 rg BT 501.62 629.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 532.92 629.25 Td (to ) Tj ET Q q 0 0 0 rg BT 543.68 629.25 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 617.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 76.62 617.25 Td (W) Tj ET Q q 0 0 0 rg BT 85.25 617.25 Td (e ) Tj ET Q q 0 0 0 rg BT 92.93 617.25 Td (have ) Tj ET Q q 0 0 0 rg BT 115.05 617.25 Td (been ) Tj ET Q q 0 0 0 rg BT 137.17 617.25 Td (able ) Tj ET Q q 0 0 0 rg BT 157.07 617.25 Td (to ) Tj ET Q q 0 0 0 rg BT 168.08 617.25 Td (reach ) Tj ET Q q 0 0 0 rg BT 192.97 617.25 Td (settlements ) Tj ET Q q 0 0 0 rg BT 241.20 617.25 Td (with ) Tj ET Q q 0 0 0 rg BT 262.22 617.25 Td (a ) Tj ET Q q 0 0 0 rg BT 269.90 617.25 Td (number ) Tj ET Q q 0 0 0 rg BT 303.69 617.25 Td (of ) Tj ET Q q 0 0 0 rg BT 315.26 617.25 Td (purchasers, ) Tj ET Q q 0 0 0 rg BT 363.76 617.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.44 617.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 413.55 617.25 Td (that ) Tj ET Q q 0 0 0 rg BT 431.79 617.25 Td (we ) Tj ET Q q 0 0 0 rg BT 446.69 617.25 Td (have ) Tj ET Q q 0 0 0 rg BT 468.81 617.25 Td (established ) Tj ET Q q 0 0 0 rg BT 516.49 617.25 Td (appropriate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 605.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 85.14 605.25 Td (with ) Tj ET Q q 0 0 0 rg BT 105.30 605.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 136.00 605.25 Td (to ) Tj ET Q q 0 0 0 rg BT 146.16 605.25 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 211.86 605.25 Td (requests. ) Tj ET Q q 0 0 0 rg BT 249.51 605.25 Td ( ) Tj ET Q q 0 0 0 rg BT 251.89 605.25 Td (It ) Tj ET Q q 0 0 0 rg BT 260.39 605.25 Td (is ) Tj ET Q q 0 0 0 rg BT 269.44 605.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 304.60 605.25 Td (that ) Tj ET Q q 0 0 0 rg BT 321.98 605.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.58 605.25 Td (number ) Tj ET Q q 0 0 0 rg BT 369.51 605.25 Td (of ) Tj ET Q q 0 0 0 rg BT 380.22 605.25 Td (such ) Tj ET Q q 0 0 0 rg BT 400.93 605.25 Td (requests ) Tj ET Q q 0 0 0 rg BT 436.08 605.25 Td (will ) Tj ET Q q 0 0 0 rg BT 454.02 605.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 489.16 605.25 Td (or ) Tj ET Q q 0 0 0 rg BT 499.87 605.25 Td (that ) Tj ET Q q 0 0 0 rg BT 517.25 605.25 Td (we ) Tj ET Q q 0 0 0 rg BT 531.29 605.25 Td (will ) Tj ET Q q 0 0 0 rg BT 549.23 605.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 593.25 Td (be ) Tj ET Q q 0 0 0 rg BT 61.34 593.25 Td (able ) Tj ET Q q 0 0 0 rg BT 79.89 593.25 Td (to ) Tj ET Q q 0 0 0 rg BT 89.57 593.25 Td (reach ) Tj ET Q q 0 0 0 rg BT 113.12 593.25 Td (settlements ) Tj ET Q q 0 0 0 rg BT 160.00 593.25 Td (with ) Tj ET Q q 0 0 0 rg BT 179.68 593.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 209.90 593.25 Td (to ) Tj ET Q q 0 0 0 rg BT 219.58 593.25 Td (such ) Tj ET Q q 0 0 0 rg BT 239.80 593.25 Td (requests ) Tj ET Q q 0 0 0 rg BT 274.47 593.25 Td (in ) Tj ET Q q 0 0 0 rg BT 284.15 593.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.27 593.25 Td (future. ) Tj ET Q q 0 0 0 rg BT 326.12 593.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 375.46 593.25 Td (, ) Tj ET Q q 0 0 0 rg BT 379.86 593.25 Td (it ) Tj ET Q q 0 0 0 rg BT 387.31 593.25 Td (is ) Tj ET Q q 0 0 0 rg BT 395.88 593.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 430.56 593.25 Td (that ) Tj ET Q q 0 0 0 rg BT 447.46 593.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 473.25 593.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 508.46 593.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.14 593.25 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 581.25 Td (with ) Tj ET Q q 0 0 0 rg BT 69.72 581.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 88.88 581.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 138.02 581.25 Td (and ) Tj ET Q q 0 0 0 rg BT 154.40 581.25 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 219.66 581.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 259.93 581.25 Td (may ) Tj ET Q q 0 0 0 rg BT 279.09 581.25 Td (be ) Tj ET Q q 0 0 0 rg BT 290.47 581.25 Td (in ) Tj ET Q q 0 0 0 rg BT 300.20 581.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 328.24 581.25 Td (of ) Tj ET Q q 0 0 0 rg BT 338.51 581.25 Td (our ) Tj ET Q q 0 0 0 rg BT 353.78 581.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 390.71 581.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 430.97 581.25 Td (reserves, ) Tj ET Q q 0 0 0 rg BT 468.17 581.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.56 581.25 Td (we ) Tj ET Q q 0 0 0 rg BT 498.16 581.25 Td (may ) Tj ET Q q 0 0 0 rg BT 517.32 581.25 Td (be ) Tj ET Q q 0 0 0 rg BT 528.70 581.25 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 569.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.24 569.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 95.45 569.25 Td (such ) Tj ET Q q 0 0 0 rg BT 116.25 569.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 151.46 569.25 Td (and ) Tj ET Q q 0 0 0 rg BT 168.36 569.25 Td (may ) Tj ET Q q 0 0 0 rg BT 188.04 569.25 Td (sustain ) Tj ET Q q 0 0 0 rg BT 218.28 569.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 260.73 569.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 287.08 569.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 330.64 569.25 Td (with ) Tj ET Q q 0 0 0 rg BT 350.88 569.25 Td (such ) Tj ET Q q 0 0 0 rg BT 371.67 569.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 391.35 569.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 441.01 569.25 Td (and ) Tj ET Q q 0 0 0 rg BT 457.91 569.25 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 523.68 569.25 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 557.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.33 557.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.11 557.25 Td (future. ) Tj ET Q q 0 0 0 rg BT 104.04 557.25 Td (Increases ) Tj ET Q q 0 0 0 rg BT 143.79 557.25 Td (to ) Tj ET Q q 0 0 0 rg BT 154.13 557.25 Td (our ) Tj ET Q q 0 0 0 rg BT 170.01 557.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 205.33 557.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.32 557.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 248.77 557.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 284.64 557.25 Td (by ) Tj ET Q q 0 0 0 rg BT 297.20 557.25 Td (us ) Tj ET Q q 0 0 0 rg BT 308.65 557.25 Td (in ) Tj ET Q q 0 0 0 rg BT 318.98 557.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 365.41 557.25 Td (with ) Tj ET Q q 0 0 0 rg BT 385.74 557.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 412.17 557.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 431.95 557.25 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 481.70 557.25 Td (and ) Tj ET Q q 0 0 0 rg BT 498.69 557.25 Td (indemnification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 545.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.58 545.25 Td (in ) Tj ET Q q 0 0 0 rg BT 100.62 545.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 128.98 545.25 Td (of ) Tj ET Q q 0 0 0 rg BT 139.57 545.25 Td (our ) Tj ET Q q 0 0 0 rg BT 155.15 545.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 190.17 545.25 Td (could ) Tj ET Q q 0 0 0 rg BT 214.65 545.25 Td (have ) Tj ET Q q 0 0 0 rg BT 235.78 545.25 Td (a ) Tj ET Q q 0 0 0 rg BT 242.48 545.25 Td (material ) Tj ET Q q 0 0 0 rg BT 277.50 545.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 310.29 545.25 Td (ef) Tj ET Q q 0 0 0 rg BT 317.88 545.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 335.12 545.25 Td (on ) Tj ET Q q 0 0 0 rg BT 347.38 545.25 Td (our ) Tj ET Q q 0 0 0 rg BT 362.97 545.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 401.62 545.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.86 545.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 481.39 545.25 Td (results ) Tj ET Q q 0 0 0 rg BT 509.76 545.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.34 545.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 533.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 533.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 81.10 533.25 Td (flows.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 512.25 Td (Consumers ) Tj ET Q q 0 0 0 rg BT 99.61 512.25 Td (may ) Tj ET Q q 0 0 0 rg BT 119.74 512.25 Td (decide ) Tj ET Q q 0 0 0 rg BT 148.76 512.25 Td (not ) Tj ET Q q 0 0 0 rg BT 165.02 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 175.72 512.25 Td (use ) Tj ET Q q 0 0 0 rg BT 192.53 512.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 219.91 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 230.61 512.25 Td (complete ) Tj ET Q q 0 0 0 rg BT 270.18 512.25 Td (their ) Tj ET Q q 0 0 0 rg BT 292.55 512.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 332.70 512.25 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 388.69 512.25 Td (which ) Tj ET Q q 0 0 0 rg BT 416.62 512.25 Td (could ) Tj ET Q q 0 0 0 rg BT 442.32 512.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 483.56 512.25 Td (af) Tj ET Q q 0 0 0 rg BT 491.71 512.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 509.61 512.25 Td (our ) Tj ET Q q 0 0 0 rg BT 526.99 512.25 Td (business ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 500.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.06 500.25 Td (results ) Tj ET Q q 0 0 0 rg BT 97.79 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 108.62 500.25 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 483.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 483.25 Td (echnology ) Tj ET Q q 0 0 0 rg BT 98.84 483.25 Td (and ) Tj ET Q q 0 0 0 rg BT 115.06 483.25 Td (other ) Tj ET Q q 0 0 0 rg BT 137.38 483.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 171.36 483.25 Td (are ) Tj ET Q q 0 0 0 rg BT 185.35 483.25 Td (allowing ) Tj ET Q q 0 0 0 rg BT 222.12 483.25 Td (parties ) Tj ET Q q 0 0 0 rg BT 250.55 483.25 Td (to ) Tj ET Q q 0 0 0 rg BT 260.10 483.25 Td (complete ) Tj ET Q q 0 0 0 rg BT 298.53 483.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 335.29 483.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 384.83 483.25 Td (that ) Tj ET Q q 0 0 0 rg BT 401.60 483.25 Td (historically ) Tj ET Q q 0 0 0 rg BT 448.37 483.25 Td (have ) Tj ET Q q 0 0 0 rg BT 469.02 483.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 505.79 483.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 530.90 483.25 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 471.25 Td (alternative ) Tj ET Q q 0 0 0 rg BT 94.63 471.25 Td (methods. ) Tj ET Q q 0 0 0 rg BT 133.45 471.25 Td (For ) Tj ET Q q 0 0 0 rg BT 149.77 471.25 Td (example, ) Tj ET Q q 0 0 0 rg BT 188.58 471.25 Td (consumers ) Tj ET Q q 0 0 0 rg BT 233.78 471.25 Td (can ) Tj ET Q q 0 0 0 rg BT 250.09 471.25 Td (now ) Tj ET Q q 0 0 0 rg BT 269.75 471.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 307.17 471.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 331.82 471.25 Td (that ) Tj ET Q q 0 0 0 rg BT 349.25 471.25 Td (would ) Tj ET Q q 0 0 0 rg BT 376.69 471.25 Td (have ) Tj ET Q q 0 0 0 rg BT 398.00 471.25 Td (historically ) Tj ET Q q 0 0 0 rg BT 445.42 471.25 Td (been ) Tj ET Q q 0 0 0 rg BT 466.73 471.25 Td (held ) Tj ET Q q 0 0 0 rg BT 486.38 471.25 Td (as ) Tj ET Q q 0 0 0 rg BT 497.14 471.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 519.01 471.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 554.23 471.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 459.25 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 91.85 459.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 128.71 459.25 Td (or ) Tj ET Q q 0 0 0 rg BT 138.92 459.25 Td (mutual ) Tj ET Q q 0 0 0 rg BT 168.56 459.25 Td (funds. ) Tj ET Q q 0 0 0 rg BT 195.16 459.25 Td (Consumers ) Tj ET Q q 0 0 0 rg BT 242.04 459.25 Td (can ) Tj ET Q q 0 0 0 rg BT 257.79 459.25 Td (also ) Tj ET Q q 0 0 0 rg BT 275.77 459.25 Td (complete ) Tj ET Q q 0 0 0 rg BT 314.30 459.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 363.94 459.25 Td (such ) Tj ET Q q 0 0 0 rg BT 384.14 459.25 Td (as ) Tj ET Q q 0 0 0 rg BT 394.35 459.25 Td (paying ) Tj ET Q q 0 0 0 rg BT 423.44 459.25 Td (bills ) Tj ET Q q 0 0 0 rg BT 442.54 459.25 Td (and ) Tj ET Q q 0 0 0 rg BT 458.85 459.25 Td (transferring ) Tj ET Q q 0 0 0 rg BT 507.37 459.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 531.47 459.25 Td (directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 447.25 Td (without ) Tj ET Q q 0 0 0 rg BT 82.89 447.25 Td (the ) Tj ET Q q 0 0 0 rg BT 97.44 447.25 Td (assistance ) Tj ET Q q 0 0 0 rg BT 139.76 447.25 Td (of ) Tj ET Q q 0 0 0 rg BT 150.42 447.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 178.42 447.25 Td (The ) Tj ET Q q 0 0 0 rg BT 196.29 447.25 Td (process ) Tj ET Q q 0 0 0 rg BT 228.62 447.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.28 447.25 Td (eliminating ) Tj ET Q q 0 0 0 rg BT 287.16 447.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 312.82 447.25 Td (as ) Tj ET Q q 0 0 0 rg BT 323.49 447.25 Td (intermediaries ) Tj ET Q q 0 0 0 rg BT 383.02 447.25 Td (could ) Tj ET Q q 0 0 0 rg BT 407.57 447.25 Td (result ) Tj ET Q q 0 0 0 rg BT 432.12 447.25 Td (in ) Tj ET Q q 0 0 0 rg BT 442.23 447.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.78 447.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 474.67 447.25 Td (of ) Tj ET Q q 0 0 0 rg BT 485.34 447.25 Td (fee ) Tj ET Q q 0 0 0 rg BT 499.88 447.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 534.14 447.25 Td (as ) Tj ET Q q 0 0 0 rg BT 544.81 447.25 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 435.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.78 435.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.45 435.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 93.47 435.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.25 435.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 143.36 435.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 178.59 435.25 Td (and ) Tj ET Q q 0 0 0 rg BT 195.48 435.25 Td (the ) Tj ET Q q 0 0 0 rg BT 210.15 435.25 Td (related ) Tj ET Q q 0 0 0 rg BT 239.80 435.25 Td (income ) Tj ET Q q 0 0 0 rg BT 271.69 435.25 Td (generated ) Tj ET Q q 0 0 0 rg BT 313.00 435.25 Td (from ) Tj ET Q q 0 0 0 rg BT 334.90 435.25 Td (those ) Tj ET Q q 0 0 0 rg BT 358.46 435.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 396.01 435.25 Td (The ) Tj ET Q q 0 0 0 rg BT 414.01 435.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 432.02 435.25 Td (of ) Tj ET Q q 0 0 0 rg BT 442.81 435.25 Td (these ) Tj ET Q q 0 0 0 rg BT 465.81 435.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 499.90 435.25 Td (streams ) Tj ET Q q 0 0 0 rg BT 532.90 435.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 435.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 423.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 75.54 423.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 94.42 423.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 129.97 423.25 Td (as ) Tj ET Q q 0 0 0 rg BT 141.07 423.25 Td (a ) Tj ET Q q 0 0 0 rg BT 148.28 423.25 Td (source ) Tj ET Q q 0 0 0 rg BT 177.15 423.25 Td (of ) Tj ET Q q 0 0 0 rg BT 188.25 423.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 213.24 423.25 Td (could ) Tj ET Q q 0 0 0 rg BT 238.23 423.25 Td (have ) Tj ET Q q 0 0 0 rg BT 259.88 423.25 Td (a ) Tj ET Q q 0 0 0 rg BT 267.09 423.25 Td (material ) Tj ET Q q 0 0 0 rg BT 302.62 423.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 335.93 423.25 Td (ef) Tj ET Q q 0 0 0 rg BT 343.51 423.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 361.27 423.25 Td (on ) Tj ET Q q 0 0 0 rg BT 374.04 423.25 Td (our ) Tj ET Q q 0 0 0 rg BT 390.14 423.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 429.30 423.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 467.06 423.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 507.60 423.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.81 423.25 Td (results ) Tj ET Q q 0 0 0 rg BT 553.69 423.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 411.25 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 388.85 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 388.85 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 388.85 Td (may ) Tj ET Q q 0 0 0 rg BT 84.80 388.85 Td (be ) Tj ET Q q 0 0 0 rg BT 96.74 388.85 Td (adversely ) Tj ET Q q 0 0 0 rg BT 137.56 388.85 Td (impacted ) Tj ET Q q 0 0 0 rg BT 177.27 388.85 Td (by ) Tj ET Q q 0 0 0 rg BT 189.21 388.85 Td (the ) Tj ET Q q 0 0 0 rg BT 204.49 388.85 Td (soundness ) Tj ET Q q 0 0 0 rg BT 249.79 388.85 Td (of ) Tj ET Q q 0 0 0 rg BT 260.62 388.85 Td (other ) Tj ET Q q 0 0 0 rg BT 284.79 388.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 324.51 388.85 Td (institutions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.85 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.01 371.85 Td (services ) Tj ET Q q 0 0 0 rg BT 123.02 371.85 Td (institutions ) Tj ET Q q 0 0 0 rg BT 169.28 371.85 Td (are ) Tj ET Q q 0 0 0 rg BT 183.29 371.85 Td (interrelated ) Tj ET Q q 0 0 0 rg BT 230.62 371.85 Td (as ) Tj ET Q q 0 0 0 rg BT 240.75 371.85 Td (a ) Tj ET Q q 0 0 0 rg BT 246.99 371.85 Td (result ) Tj ET Q q 0 0 0 rg BT 271.01 371.85 Td (of ) Tj ET Q q 0 0 0 rg BT 281.14 371.85 Td (trading, ) Tj ET Q q 0 0 0 rg BT 313.76 371.85 Td (clearing, ) Tj ET Q q 0 0 0 rg BT 350.27 371.85 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 402.60 371.85 Td (or ) Tj ET Q q 0 0 0 rg BT 412.73 371.85 Td (other ) Tj ET Q q 0 0 0 rg BT 435.08 371.85 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 490.36 371.85 Td (W) Tj ET Q q 0 0 0 rg BT 499.00 371.85 Td (e ) Tj ET Q q 0 0 0 rg BT 505.24 371.85 Td (have ) Tj ET Q q 0 0 0 rg BT 525.91 371.85 Td (exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.85 Td (to ) Tj ET Q q 0 0 0 rg BT 60.94 359.85 Td (many ) Tj ET Q q 0 0 0 rg BT 86.31 359.85 Td (dif) Tj ET Q q 0 0 0 rg BT 97.24 359.85 Td (ferent ) Tj ET Q q 0 0 0 rg BT 123.71 359.85 Td (industries ) Tj ET Q q 0 0 0 rg BT 165.76 359.85 Td (and ) Tj ET Q q 0 0 0 rg BT 183.35 359.85 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 243.15 359.85 Td (and ) Tj ET Q q 0 0 0 rg BT 260.75 359.85 Td (routinely ) Tj ET Q q 0 0 0 rg BT 300.01 359.85 Td (execute ) Tj ET Q q 0 0 0 rg BT 333.70 359.85 Td (transactions ) Tj ET Q q 0 0 0 rg BT 384.62 359.85 Td (with ) Tj ET Q q 0 0 0 rg BT 405.56 359.85 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 465.36 359.85 Td (in ) Tj ET Q q 0 0 0 rg BT 476.30 359.85 Td (the ) Tj ET Q q 0 0 0 rg BT 491.67 359.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 529.81 359.85 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 347.85 Td (industry) Tj ET Q q 0 0 0 rg BT 82.13 347.85 Td (, ) Tj ET Q q 0 0 0 rg BT 87.00 347.85 Td (including ) Tj ET Q q 0 0 0 rg BT 127.15 347.85 Td (the ) Tj ET Q q 0 0 0 rg BT 141.74 347.85 Td (Federal ) Tj ET Q q 0 0 0 rg BT 174.09 347.85 Td (Home ) Tj ET Q q 0 0 0 rg BT 200.90 347.85 Td (Loan ) Tj ET Q q 0 0 0 rg BT 223.82 347.85 Td (Bank ) Tj ET Q q 0 0 0 rg BT 247.30 347.85 Td (\("FHLB"\), ) Tj ET Q q 0 0 0 rg BT 292.56 347.85 Td (commercial ) Tj ET Q q 0 0 0 rg BT 342.13 347.85 Td (banks, ) Tj ET Q q 0 0 0 rg BT 370.33 347.85 Td (brokers ) Tj ET Q q 0 0 0 rg BT 402.69 347.85 Td (and ) Tj ET Q q 0 0 0 rg BT 419.50 347.85 Td (dealers, ) Tj ET Q q 0 0 0 rg BT 452.69 347.85 Td (investment ) Tj ET Q q 0 0 0 rg BT 498.95 347.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 524.65 347.85 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 347.85 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.85 Td (institutional ) Tj ET Q q 0 0 0 rg BT 100.73 335.85 Td (clients. ) Tj ET Q q 0 0 0 rg BT 132.29 335.85 Td (Many ) Tj ET Q q 0 0 0 rg BT 158.57 335.85 Td (of ) Tj ET Q q 0 0 0 rg BT 169.85 335.85 Td (these ) Tj ET Q q 0 0 0 rg BT 193.35 335.85 Td (transactions ) Tj ET Q q 0 0 0 rg BT 244.06 335.85 Td (expose ) Tj ET Q q 0 0 0 rg BT 274.78 335.85 Td (us ) Tj ET Q q 0 0 0 rg BT 286.63 335.85 Td (to ) Tj ET Q q 0 0 0 rg BT 297.36 335.85 Td (credit ) Tj ET Q q 0 0 0 rg BT 323.07 335.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 341.02 335.85 Td (in ) Tj ET Q q 0 0 0 rg BT 351.75 335.85 Td (the ) Tj ET Q q 0 0 0 rg BT 366.92 335.85 Td (event ) Tj ET Q q 0 0 0 rg BT 391.53 335.85 Td (of ) Tj ET Q q 0 0 0 rg BT 402.81 335.85 Td (a ) Tj ET Q q 0 0 0 rg BT 410.20 335.85 Td (default ) Tj ET Q q 0 0 0 rg BT 440.92 335.85 Td (by ) Tj ET Q q 0 0 0 rg BT 453.87 335.85 Td (a ) Tj ET Q q 0 0 0 rg BT 461.26 335.85 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 514.74 335.85 Td (or ) Tj ET Q q 0 0 0 rg BT 526.02 335.85 Td (client. ) Tj ET Q q 0 0 0 rg BT 553.69 335.85 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.85 Td (addition, ) Tj ET Q q 0 0 0 rg BT 87.75 323.85 Td (our ) Tj ET Q q 0 0 0 rg BT 103.56 323.85 Td (credit ) Tj ET Q q 0 0 0 rg BT 128.81 323.85 Td (risk ) Tj ET Q q 0 0 0 rg BT 146.29 323.85 Td (may ) Tj ET Q q 0 0 0 rg BT 165.99 323.85 Td (be ) Tj ET Q q 0 0 0 rg BT 177.91 323.85 Td (exacerbated ) Tj ET Q q 0 0 0 rg BT 228.13 323.85 Td (when ) Tj ET Q q 0 0 0 rg BT 252.27 323.85 Td (collateral ) Tj ET Q q 0 0 0 rg BT 291.94 323.85 Td (held ) Tj ET Q q 0 0 0 rg BT 311.64 323.85 Td (by ) Tj ET Q q 0 0 0 rg BT 324.12 323.85 Td (us ) Tj ET Q q 0 0 0 rg BT 335.49 323.85 Td (cannot ) Tj ET Q q 0 0 0 rg BT 364.63 323.85 Td (be ) Tj ET Q q 0 0 0 rg BT 376.55 323.85 Td (realized ) Tj ET Q q 0 0 0 rg BT 410.67 323.85 Td (or ) Tj ET Q q 0 0 0 rg BT 421.48 323.85 Td (is ) Tj ET Q q 0 0 0 rg BT 430.63 323.85 Td (liquidated ) Tj ET Q q 0 0 0 rg BT 473.10 323.85 Td (at ) Tj ET Q q 0 0 0 rg BT 482.80 323.85 Td (prices ) Tj ET Q q 0 0 0 rg BT 509.16 323.85 Td (not ) Tj ET Q q 0 0 0 rg BT 524.41 323.85 Td (suf) Tj ET Q q 0 0 0 rg BT 536.46 323.85 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.85 Td (to ) Tj ET Q q 0 0 0 rg BT 60.24 311.85 Td (recover ) Tj ET Q q 0 0 0 rg BT 92.68 311.85 Td (the ) Tj ET Q q 0 0 0 rg BT 107.37 311.85 Td (full ) Tj ET Q q 0 0 0 rg BT 123.72 311.85 Td (amount ) Tj ET Q q 0 0 0 rg BT 156.18 311.85 Td (due ) Tj ET Q q 0 0 0 rg BT 173.08 311.85 Td (to ) Tj ET Q q 0 0 0 rg BT 183.32 311.85 Td (us. ) Tj ET Q q 0 0 0 rg BT 196.64 311.85 Td (Any ) Tj ET Q q 0 0 0 rg BT 216.32 311.85 Td (such ) Tj ET Q q 0 0 0 rg BT 237.12 311.85 Td (losses ) Tj ET Q q 0 0 0 rg BT 263.47 311.85 Td (could ) Tj ET Q q 0 0 0 rg BT 288.16 311.85 Td (have ) Tj ET Q q 0 0 0 rg BT 309.50 311.85 Td (material ) Tj ET Q q 0 0 0 rg BT 344.72 311.85 Td (adverse ) Tj ET Q q 0 0 0 rg BT 377.72 311.85 Td (ef) Tj ET Q q 0 0 0 rg BT 385.31 311.85 Td (fect ) Tj ET Q q 0 0 0 rg BT 402.76 311.85 Td (on ) Tj ET Q q 0 0 0 rg BT 415.23 311.85 Td (our ) Tj ET Q q 0 0 0 rg BT 431.02 311.85 Td (business, ) Tj ET Q q 0 0 0 rg BT 469.88 311.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 507.32 311.85 Td (condition ) Tj ET Q q 0 0 0 rg BT 547.56 311.85 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.85 Td (results ) Tj ET Q q 0 0 0 rg BT 78.61 299.85 Td (of ) Tj ET Q q 0 0 0 rg BT 89.44 299.85 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 277.45 Td (De ) Tj ET Q q 0 0 0 rg BT 63.95 277.45 Td (novo ) Tj ET Q q 0 0 0 rg BT 86.24 277.45 Td (operations ) Tj ET Q q 0 0 0 rg BT 131.86 277.45 Td (often ) Tj ET Q q 0 0 0 rg BT 155.26 277.45 Td (involve ) Tj ET Q q 0 0 0 rg BT 186.98 277.45 Td (significant ) Tj ET Q q 0 0 0 rg BT 233.16 277.45 Td (expenses ) Tj ET Q q 0 0 0 rg BT 272.11 277.45 Td (and ) Tj ET Q q 0 0 0 rg BT 289.96 277.45 Td (delayed ) Tj ET Q q 0 0 0 rg BT 323.34 277.45 Td (returns ) Tj ET Q q 0 0 0 rg BT 355.64 277.45 Td (and ) Tj ET Q q 0 0 0 rg BT 373.49 277.45 Td (may ) Tj ET Q q 0 0 0 rg BT 393.00 277.45 Td (negatively ) Tj ET Q q 0 0 0 rg BT 436.94 277.45 Td (impact ) Tj ET Q q 0 0 0 rg BT 466.83 277.45 Td (W) Tj ET Q q 0 0 0 rg BT 475.35 277.45 Td (intrust's ) Tj ET Q q 0 0 0 rg BT 511.55 277.45 Td (profitability) Tj ET Q q 0 0 0 rg BT 559.51 277.45 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.45 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.63 260.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 104.68 260.45 Td (results ) Tj ET Q q 0 0 0 rg BT 132.86 260.45 Td (have ) Tj ET Q q 0 0 0 rg BT 153.81 260.45 Td (been ) Tj ET Q q 0 0 0 rg BT 174.77 260.45 Td (and ) Tj ET Q q 0 0 0 rg BT 191.28 260.45 Td (will ) Tj ET Q q 0 0 0 rg BT 208.91 260.45 Td (continue ) Tj ET Q q 0 0 0 rg BT 245.42 260.45 Td (to ) Tj ET Q q 0 0 0 rg BT 255.27 260.45 Td (be ) Tj ET Q q 0 0 0 rg BT 266.78 260.45 Td (impacted ) Tj ET Q q 0 0 0 rg BT 305.51 260.45 Td (by ) Tj ET Q q 0 0 0 rg BT 317.58 260.45 Td (our ) Tj ET Q q 0 0 0 rg BT 332.99 260.45 Td (strategy ) Tj ET Q q 0 0 0 rg BT 366.71 260.45 Td (of ) Tj ET Q q 0 0 0 rg BT 377.12 260.45 Td (branch ) Tj ET Q q 0 0 0 rg BT 406.40 260.45 Td (openings ) Tj ET Q q 0 0 0 rg BT 444.58 260.45 Td (and ) Tj ET Q q 0 0 0 rg BT 461.10 260.45 Td (de ) Tj ET Q q 0 0 0 rg BT 472.61 260.45 Td (novo ) Tj ET Q q 0 0 0 rg BT 494.68 260.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 516.20 260.45 Td (formations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.45 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 248.45 Td (e ) Tj ET Q q 0 0 0 rg BT 65.62 248.45 Td (expect ) Tj ET Q q 0 0 0 rg BT 94.25 248.45 Td (to ) Tj ET Q q 0 0 0 rg BT 104.57 248.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 139.86 248.45 Td (the ) Tj ET Q q 0 0 0 rg BT 154.62 248.45 Td (opening ) Tj ET Q q 0 0 0 rg BT 189.38 248.45 Td (of ) Tj ET Q q 0 0 0 rg BT 200.25 248.45 Td (additional ) Tj ET Q q 0 0 0 rg BT 242.78 248.45 Td (branches ) Tj ET Q q 0 0 0 rg BT 280.86 248.45 Td (as ) Tj ET Q q 0 0 0 rg BT 291.73 248.45 Td (market ) Tj ET Q q 0 0 0 rg BT 322.03 248.45 Td (conditions ) Tj ET Q q 0 0 0 rg BT 366.24 248.45 Td (improve ) Tj ET Q q 0 0 0 rg BT 402.10 248.45 Td (and, ) Tj ET Q q 0 0 0 rg BT 421.58 248.45 Td (if ) Tj ET Q q 0 0 0 rg BT 430.23 248.45 Td (the ) Tj ET Q q 0 0 0 rg BT 444.99 248.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 476.96 248.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 494.49 248.45 Td (environment ) Tj ET Q q 0 0 0 rg BT 547.57 248.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.45 Td (economic ) Tj ET Q q 0 0 0 rg BT 91.42 236.45 Td (climate ) Tj ET Q q 0 0 0 rg BT 123.40 236.45 Td (and ) Tj ET Q q 0 0 0 rg BT 140.39 236.45 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 184.03 236.45 Td (conditions ) Tj ET Q q 0 0 0 rg BT 228.25 236.45 Td (become ) Tj ET Q q 0 0 0 rg BT 261.89 236.45 Td (favorable, ) Tj ET Q q 0 0 0 rg BT 304.70 236.45 Td (may ) Tj ET Q q 0 0 0 rg BT 324.46 236.45 Td (resume ) Tj ET Q q 0 0 0 rg BT 355.89 236.45 Td (de ) Tj ET Q q 0 0 0 rg BT 367.88 236.45 Td (novo ) Tj ET Q q 0 0 0 rg BT 390.43 236.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 412.42 236.45 Td (formations. ) Tj ET Q q 0 0 0 rg BT 460.80 236.45 Td (Based ) Tj ET Q q 0 0 0 rg BT 487.78 236.45 Td (on ) Tj ET Q q 0 0 0 rg BT 500.33 236.45 Td (our ) Tj ET Q q 0 0 0 rg BT 516.21 236.45 Td (experience, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.45 Td (we ) Tj ET Q q 0 0 0 rg BT 64.59 224.45 Td (believe ) Tj ET Q q 0 0 0 rg BT 96.40 224.45 Td (that ) Tj ET Q q 0 0 0 rg BT 114.32 224.45 Td (it ) Tj ET Q q 0 0 0 rg BT 122.81 224.45 Td (generally ) Tj ET Q q 0 0 0 rg BT 162.95 224.45 Td (takes ) Tj ET Q q 0 0 0 rg BT 186.43 224.45 Td (over ) Tj ET Q q 0 0 0 rg BT 207.13 224.45 Td (13 ) Tj ET Q q 0 0 0 rg BT 220.06 224.45 Td (months ) Tj ET Q q 0 0 0 rg BT 252.44 224.45 Td (for ) Tj ET Q q 0 0 0 rg BT 267.03 224.45 Td (de ) Tj ET Q q 0 0 0 rg BT 279.40 224.45 Td (novo ) Tj ET Q q 0 0 0 rg BT 302.33 224.45 Td (banks ) Tj ET Q q 0 0 0 rg BT 328.60 224.45 Td (to ) Tj ET Q q 0 0 0 rg BT 339.31 224.45 Td (first ) Tj ET Q q 0 0 0 rg BT 358.35 224.45 Td (achieve ) Tj ET Q q 0 0 0 rg BT 391.81 224.45 Td (operational ) Tj ET Q q 0 0 0 rg BT 439.72 224.45 Td (profitability) Tj ET Q q 0 0 0 rg BT 486.84 224.45 Td (, ) Tj ET Q q 0 0 0 rg BT 492.28 224.45 Td (depending ) Tj ET Q q 0 0 0 rg BT 536.86 224.45 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 224.45 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.45 Td (number ) Tj ET Q q 0 0 0 rg BT 82.42 212.45 Td (of ) Tj ET Q q 0 0 0 rg BT 92.62 212.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 126.71 212.45 Td (facilities ) Tj ET Q q 0 0 0 rg BT 163.01 212.45 Td (opened, ) Tj ET Q q 0 0 0 rg BT 196.26 212.45 Td (the ) Tj ET Q q 0 0 0 rg BT 210.35 212.45 Td (impact ) Tj ET Q q 0 0 0 rg BT 239.43 212.45 Td (of ) Tj ET Q q 0 0 0 rg BT 249.63 212.45 Td (or) Tj ET Q q 0 0 0 rg BT 257.78 212.45 Td (ganizational ) Tj ET Q q 0 0 0 rg BT 308.52 212.45 Td (and ) Tj ET Q q 0 0 0 rg BT 324.83 212.45 Td (overhead ) Tj ET Q q 0 0 0 rg BT 363.35 212.45 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 403.82 212.45 Td (the ) Tj ET Q q 0 0 0 rg BT 417.90 212.45 Td (start-up ) Tj ET Q q 0 0 0 rg BT 450.32 212.45 Td (phase ) Tj ET Q q 0 0 0 rg BT 474.96 212.45 Td (of ) Tj ET Q q 0 0 0 rg BT 485.17 212.45 Td (generating ) Tj ET Q q 0 0 0 rg BT 529.24 212.45 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.45 Td (and ) Tj ET Q q 0 0 0 rg BT 66.73 200.45 Td (the ) Tj ET Q q 0 0 0 rg BT 81.25 200.45 Td (time ) Tj ET Q q 0 0 0 rg BT 101.31 200.45 Td (lag ) Tj ET Q q 0 0 0 rg BT 115.83 200.45 Td (typically ) Tj ET Q q 0 0 0 rg BT 153.11 200.45 Td (involved ) Tj ET Q q 0 0 0 rg BT 190.40 200.45 Td (in ) Tj ET Q q 0 0 0 rg BT 200.47 200.45 Td (redeploying ) Tj ET Q q 0 0 0 rg BT 250.53 200.45 Td (deposits ) Tj ET Q q 0 0 0 rg BT 285.61 200.45 Td (into ) Tj ET Q q 0 0 0 rg BT 303.46 200.45 Td (attractively ) Tj ET Q q 0 0 0 rg BT 350.73 200.45 Td (priced ) Tj ET Q q 0 0 0 rg BT 378.01 200.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 401.41 200.45 Td (and ) Tj ET Q q 0 0 0 rg BT 418.14 200.45 Td (other ) Tj ET Q q 0 0 0 rg BT 440.99 200.45 Td (higher ) Tj ET Q q 0 0 0 rg BT 468.83 200.45 Td (yielding ) Tj ET Q q 0 0 0 rg BT 503.90 200.45 Td (earning ) Tj ET Q q 0 0 0 rg BT 536.18 200.45 Td (assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.45 Td (However) Tj ET Q q 0 0 0 rg BT 86.25 188.45 Td (, ) Tj ET Q q 0 0 0 rg BT 91.17 188.45 Td (it ) Tj ET Q q 0 0 0 rg BT 99.15 188.45 Td (may ) Tj ET Q q 0 0 0 rg BT 118.79 188.45 Td (take ) Tj ET Q q 0 0 0 rg BT 137.87 188.45 Td (longer ) Tj ET Q q 0 0 0 rg BT 165.83 188.45 Td (than ) Tj ET Q q 0 0 0 rg BT 185.47 188.45 Td (expected ) Tj ET Q q 0 0 0 rg BT 223.43 188.45 Td (or ) Tj ET Q q 0 0 0 rg BT 234.18 188.45 Td (more ) Tj ET Q q 0 0 0 rg BT 257.15 188.45 Td (than ) Tj ET Q q 0 0 0 rg BT 276.79 188.45 Td (the ) Tj ET Q q 0 0 0 rg BT 291.43 188.45 Td (amount ) Tj ET Q q 0 0 0 rg BT 323.84 188.45 Td (of ) Tj ET Q q 0 0 0 rg BT 334.59 188.45 Td (time ) Tj ET Q q 0 0 0 rg BT 354.62 188.45 Td (W) Tj ET Q q 0 0 0 rg BT 363.65 188.45 Td (intrust ) Tj ET Q q 0 0 0 rg BT 391.63 188.45 Td (has ) Tj ET Q q 0 0 0 rg BT 407.38 188.45 Td (historically ) Tj ET Q q 0 0 0 rg BT 454.80 188.45 Td (experienced ) Tj ET Q q 0 0 0 rg BT 505.52 188.45 Td (for ) Tj ET Q q 0 0 0 rg BT 519.60 188.45 Td (new ) Tj ET Q q 0 0 0 rg BT 538.68 188.45 Td (banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.45 Td (and/or ) Tj ET Q q 0 0 0 rg BT 77.94 176.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 112.55 176.45 Td (facilities ) Tj ET Q q 0 0 0 rg BT 149.37 176.45 Td (to ) Tj ET Q q 0 0 0 rg BT 159.54 176.45 Td (reach ) Tj ET Q q 0 0 0 rg BT 183.58 176.45 Td (profitability) Tj ET Q q 0 0 0 rg BT 230.70 176.45 Td (, ) Tj ET Q q 0 0 0 rg BT 235.59 176.45 Td (and ) Tj ET Q q 0 0 0 rg BT 252.42 176.45 Td (there ) Tj ET Q q 0 0 0 rg BT 274.80 176.45 Td (can ) Tj ET Q q 0 0 0 rg BT 291.07 176.45 Td (be ) Tj ET Q q 0 0 0 rg BT 302.90 176.45 Td (no ) Tj ET Q q 0 0 0 rg BT 315.29 176.45 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 356.55 176.45 Td (that ) Tj ET Q q 0 0 0 rg BT 373.94 176.45 Td (these ) Tj ET Q q 0 0 0 rg BT 396.88 176.45 Td (branches ) Tj ET Q q 0 0 0 rg BT 434.80 176.45 Td (or ) Tj ET Q q 0 0 0 rg BT 445.53 176.45 Td (banks ) Tj ET Q q 0 0 0 rg BT 471.25 176.45 Td (will ) Tj ET Q q 0 0 0 rg BT 489.20 176.45 Td (ever ) Tj ET Q q 0 0 0 rg BT 508.80 176.45 Td (be ) Tj ET Q q 0 0 0 rg BT 520.63 176.45 Td (profitable. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.45 Td (Moreover) Tj ET Q q 0 0 0 rg BT 89.03 164.45 Td (, ) Tj ET Q q 0 0 0 rg BT 93.61 164.45 Td (the ) Tj ET Q q 0 0 0 rg BT 107.92 164.45 Td (FDIC's ) Tj ET Q q 0 0 0 rg BT 138.48 164.45 Td (extension ) Tj ET Q q 0 0 0 rg BT 178.89 164.45 Td (of ) Tj ET Q q 0 0 0 rg BT 189.31 164.45 Td (the ) Tj ET Q q 0 0 0 rg BT 203.61 164.45 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 243.45 164.45 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 292.20 164.45 Td (period ) Tj ET Q q 0 0 0 rg BT 319.83 164.45 Td (for ) Tj ET Q q 0 0 0 rg BT 333.58 164.45 Td (de ) Tj ET Q q 0 0 0 rg BT 345.10 164.45 Td (novo ) Tj ET Q q 0 0 0 rg BT 367.19 164.45 Td (banks ) Tj ET Q q 0 0 0 rg BT 392.61 164.45 Td (from ) Tj ET Q q 0 0 0 rg BT 414.13 164.45 Td (three ) Tj ET Q q 0 0 0 rg BT 436.20 164.45 Td (to ) Tj ET Q q 0 0 0 rg BT 446.07 164.45 Td (seven ) Tj ET Q q 0 0 0 rg BT 470.92 164.45 Td (years, ) Tj ET Q q 0 0 0 rg BT 496.61 164.45 Td (including ) Tj ET Q q 0 0 0 rg BT 536.47 164.45 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 78.99 152.45 Td (requirements ) Tj ET Q q 0 0 0 rg BT 133.52 152.45 Td (during ) Tj ET Q q 0 0 0 rg BT 161.97 152.45 Td (this ) Tj ET Q q 0 0 0 rg BT 178.75 152.45 Td (period, ) Tj ET Q q 0 0 0 rg BT 209.13 152.45 Td (could ) Tj ET Q q 0 0 0 rg BT 233.69 152.45 Td (also ) Tj ET Q q 0 0 0 rg BT 252.13 152.45 Td (delay ) Tj ET Q q 0 0 0 rg BT 276.12 152.45 Td (a ) Tj ET Q q 0 0 0 rg BT 282.89 152.45 Td (new ) Tj ET Q q 0 0 0 rg BT 301.89 152.45 Td (bank's ) Tj ET Q q 0 0 0 rg BT 329.36 152.45 Td (ability ) Tj ET Q q 0 0 0 rg BT 357.24 152.45 Td (to ) Tj ET Q q 0 0 0 rg BT 367.36 152.45 Td (contribute ) Tj ET Q q 0 0 0 rg BT 410.24 152.45 Td (to ) Tj ET Q q 0 0 0 rg BT 420.35 152.45 Td (the ) Tj ET Q q 0 0 0 rg BT 434.90 152.45 Td (Company's ) Tj ET Q q 0 0 0 rg BT 481.82 152.45 Td (earnings ) Tj ET Q q 0 0 0 rg BT 518.03 152.45 Td (and ) Tj ET Q q 0 0 0 rg BT 534.80 152.45 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.45 Td (the ) Tj ET Q q 0 0 0 rg BT 64.03 140.45 Td (Company's ) Tj ET Q q 0 0 0 rg BT 110.43 140.45 Td (willingness ) Tj ET Q q 0 0 0 rg BT 157.80 140.45 Td (to ) Tj ET Q q 0 0 0 rg BT 167.39 140.45 Td (expand ) Tj ET Q q 0 0 0 rg BT 198.09 140.45 Td (through ) Tj ET Q q 0 0 0 rg BT 231.01 140.45 Td (de ) Tj ET Q q 0 0 0 rg BT 242.26 140.45 Td (novo ) Tj ET Q q 0 0 0 rg BT 264.08 140.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 285.33 140.45 Td (formation. ) Tj ET Q q 0 0 0 rg BT 328.95 140.45 Td (T) Tj ET Q q 0 0 0 rg BT 334.36 140.45 Td (o ) Tj ET Q q 0 0 0 rg BT 341.18 140.45 Td (the ) Tj ET Q q 0 0 0 rg BT 355.21 140.45 Td (extent ) Tj ET Q q 0 0 0 rg BT 381.46 140.45 Td (we ) Tj ET Q q 0 0 0 rg BT 394.93 140.45 Td (undertake ) Tj ET Q q 0 0 0 rg BT 436.17 140.45 Td (additional ) Tj ET Q q 0 0 0 rg BT 477.98 140.45 Td (de ) Tj ET Q q 0 0 0 rg BT 489.23 140.45 Td (novo ) Tj ET Q q 0 0 0 rg BT 511.05 140.45 Td (bank, ) Tj ET Q q 0 0 0 rg BT 534.80 140.45 Td (branch ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.45 Td (and ) Tj ET Q q 0 0 0 rg BT 66.69 128.45 Td (business ) Tj ET Q q 0 0 0 rg BT 102.83 128.45 Td (formations, ) Tj ET Q q 0 0 0 rg BT 150.90 128.45 Td (our ) Tj ET Q q 0 0 0 rg BT 166.48 128.45 Td (level ) Tj ET Q q 0 0 0 rg BT 188.16 128.45 Td (of ) Tj ET Q q 0 0 0 rg BT 198.74 128.45 Td (reported ) Tj ET Q q 0 0 0 rg BT 234.30 128.45 Td (net ) Tj ET Q q 0 0 0 rg BT 248.77 128.45 Td (income, ) Tj ET Q q 0 0 0 rg BT 282.95 128.45 Td (return ) Tj ET Q q 0 0 0 rg BT 309.08 128.45 Td (on ) Tj ET Q q 0 0 0 rg BT 321.33 128.45 Td (average ) Tj ET Q q 0 0 0 rg BT 354.66 128.45 Td (equity ) Tj ET Q q 0 0 0 rg BT 381.90 128.45 Td (and ) Tj ET Q q 0 0 0 rg BT 398.59 128.45 Td (return ) Tj ET Q q 0 0 0 rg BT 424.71 128.45 Td (on ) Tj ET Q q 0 0 0 rg BT 436.96 128.45 Td (average ) Tj ET Q q 0 0 0 rg BT 470.30 128.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 495.87 128.45 Td (will ) Tj ET Q q 0 0 0 rg BT 513.68 128.45 Td (be ) Tj ET Q q 0 0 0 rg BT 525.37 128.45 Td (impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.45 Td (by ) Tj ET Q q 0 0 0 rg BT 62.60 116.45 Td (startup ) Tj ET Q q 0 0 0 rg BT 92.42 116.45 Td (costs ) Tj ET Q q 0 0 0 rg BT 115.03 116.45 Td (associated ) Tj ET Q q 0 0 0 rg BT 158.73 116.45 Td (with ) Tj ET Q q 0 0 0 rg BT 179.11 116.45 Td (such ) Tj ET Q q 0 0 0 rg BT 200.04 116.45 Td (operations, ) Tj ET Q q 0 0 0 rg BT 246.80 116.45 Td (and ) Tj ET Q q 0 0 0 rg BT 263.84 116.45 Td (it ) Tj ET Q q 0 0 0 rg BT 272.01 116.45 Td (is ) Tj ET Q q 0 0 0 rg BT 281.28 116.45 Td (likely ) Tj ET Q q 0 0 0 rg BT 306.66 116.45 Td (to ) Tj ET Q q 0 0 0 rg BT 317.04 116.45 Td (continue ) Tj ET Q q 0 0 0 rg BT 354.08 116.45 Td (to ) Tj ET Q q 0 0 0 rg BT 364.46 116.45 Td (experience ) Tj ET Q q 0 0 0 rg BT 410.36 116.45 Td (the ) Tj ET Q q 0 0 0 rg BT 425.18 116.45 Td (ef) Tj ET Q q 0 0 0 rg BT 432.77 116.45 Td (fects ) Tj ET Q q 0 0 0 rg BT 454.25 116.45 Td (of ) Tj ET Q q 0 0 0 rg BT 465.19 116.45 Td (higher ) Tj ET Q q 0 0 0 rg BT 493.34 116.45 Td (expenses ) Tj ET Q q 0 0 0 rg BT 532.04 116.45 Td (relative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 104.45 Td (to ) Tj ET Q q 0 0 0 rg BT 59.98 104.45 Td (operating ) Tj ET Q q 0 0 0 rg BT 99.94 104.45 Td (income ) Tj ET Q q 0 0 0 rg BT 131.58 104.45 Td (from ) Tj ET Q q 0 0 0 rg BT 153.22 104.45 Td (the ) Tj ET Q q 0 0 0 rg BT 167.64 104.45 Td (new ) Tj ET Q q 0 0 0 rg BT 186.50 104.45 Td (operations. ) Tj ET Q q 0 0 0 rg BT 232.70 104.45 Td (These ) Tj ET Q q 0 0 0 rg BT 258.77 104.45 Td (expenses ) Tj ET Q q 0 0 0 rg BT 297.07 104.45 Td (may ) Tj ET Q q 0 0 0 rg BT 316.49 104.45 Td (be ) Tj ET Q q 0 0 0 rg BT 328.13 104.45 Td (higher ) Tj ET Q q 0 0 0 rg BT 355.88 104.45 Td (than ) Tj ET Q q 0 0 0 rg BT 375.30 104.45 Td (we ) Tj ET Q q 0 0 0 rg BT 389.16 104.45 Td (expected ) Tj ET Q q 0 0 0 rg BT 426.89 104.45 Td (or ) Tj ET Q q 0 0 0 rg BT 437.42 104.45 Td (than ) Tj ET Q q 0 0 0 rg BT 456.84 104.45 Td (our ) Tj ET Q q 0 0 0 rg BT 472.37 104.45 Td (experience ) Tj ET Q q 0 0 0 rg BT 517.87 104.45 Td (has ) Tj ET Q q 0 0 0 rg BT 533.41 104.45 Td (shown, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 92.45 Td (which ) Tj ET Q q 0 0 0 rg BT 76.94 92.45 Td (could ) Tj ET Q q 0 0 0 rg BT 101.66 92.45 Td (have ) Tj ET Q q 0 0 0 rg BT 123.03 92.45 Td (a ) Tj ET Q q 0 0 0 rg BT 129.97 92.45 Td (material ) Tj ET Q q 0 0 0 rg BT 165.23 92.45 Td (adverse ) Tj ET Q q 0 0 0 rg BT 198.27 92.45 Td (ef) Tj ET Q q 0 0 0 rg BT 205.85 92.45 Td (fect ) Tj ET Q q 0 0 0 rg BT 223.34 92.45 Td (on ) Tj ET Q q 0 0 0 rg BT 235.84 92.45 Td (our ) Tj ET Q q 0 0 0 rg BT 251.67 92.45 Td (business, ) Tj ET Q q 0 0 0 rg BT 290.56 92.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 328.04 92.45 Td (condition ) Tj ET Q q 0 0 0 rg BT 368.32 92.45 Td (and ) Tj ET Q q 0 0 0 rg BT 385.25 92.45 Td (results ) Tj ET Q q 0 0 0 rg BT 413.86 92.45 Td (of ) Tj ET Q q 0 0 0 rg BT 424.69 92.45 Td (operations.) Tj ET Q endstream endobj 61 0 obj <> endobj 62 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (30) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 742.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.35 742.25 Td (are ) Tj ET Q q 0 0 0 rg BT 81.44 742.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 113.09 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 123.62 742.25 Td (examinations ) Tj ET Q q 0 0 0 rg BT 181.95 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.27 742.25 Td (challenges ) Tj ET Q q 0 0 0 rg BT 246.92 742.25 Td (by ) Tj ET Q q 0 0 0 rg BT 259.12 742.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 274.66 742.25 Td (authorities, ) Tj ET Q q 0 0 0 rg BT 324.38 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 342.70 742.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 379.35 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 390.45 742.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 422.09 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.41 742.25 Td (state ) Tj ET Q q 0 0 0 rg BT 462.05 742.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 477.59 742.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 498.69 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.02 742.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 553.67 742.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 109.17 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 120.00 730.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 154.73 730.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 175.57 730.25 Td (can ) Tj ET Q q 0 0 0 rg BT 193.07 730.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 223.34 730.25 Td (our ) Tj ET Q q 0 0 0 rg BT 240.30 730.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 280.02 730.25 Td (results.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 713.25 Td (In ) Tj ET Q q 0 0 0 rg BT 60.77 713.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.43 713.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 106.20 713.25 Td (course ) Tj ET Q q 0 0 0 rg BT 134.75 713.25 Td (of ) Tj ET Q q 0 0 0 rg BT 145.52 713.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 184.36 713.25 Td (we, ) Tj ET Q q 0 0 0 rg BT 200.96 713.25 Td (as ) Tj ET Q q 0 0 0 rg BT 211.73 713.25 Td (well ) Tj ET Q q 0 0 0 rg BT 231.39 713.25 Td (as ) Tj ET Q q 0 0 0 rg BT 242.17 713.25 Td (our ) Tj ET Q q 0 0 0 rg BT 257.94 713.25 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 310.10 713.25 Td (are ) Tj ET Q q 0 0 0 rg BT 324.75 713.25 Td (routinely ) Tj ET Q q 0 0 0 rg BT 363.30 713.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 394.07 713.25 Td (to ) Tj ET Q q 0 0 0 rg BT 404.29 713.25 Td (examinations ) Tj ET Q q 0 0 0 rg BT 460.06 713.25 Td (from ) Tj ET Q q 0 0 0 rg BT 481.94 713.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 512.14 713.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.02 713.25 Td (state ) Tj ET Q q 0 0 0 rg BT 549.79 713.25 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 701.25 Td (authorities ) Tj ET Q q 0 0 0 rg BT 94.46 701.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 135.02 701.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.48 701.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 181.72 701.25 Td (of ) Tj ET Q q 0 0 0 rg BT 192.30 701.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 215.09 701.25 Td (due ) Tj ET Q q 0 0 0 rg BT 231.78 701.25 Td (in ) Tj ET Q q 0 0 0 rg BT 241.80 701.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 287.92 701.25 Td (with ) Tj ET Q q 0 0 0 rg BT 307.94 701.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 357.96 701.25 Td (we ) Tj ET Q q 0 0 0 rg BT 371.87 701.25 Td (have ) Tj ET Q q 0 0 0 rg BT 392.99 701.25 Td (made ) Tj ET Q q 0 0 0 rg BT 416.89 701.25 Td (and ) Tj ET Q q 0 0 0 rg BT 433.58 701.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.04 701.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 492.51 701.25 Td (in ) Tj ET Q q 0 0 0 rg BT 502.53 701.25 Td (which ) Tj ET Q q 0 0 0 rg BT 529.22 701.25 Td (we ) Tj ET Q q 0 0 0 rg BT 543.13 701.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 689.25 Td (engaged. ) Tj ET Q q 0 0 0 rg BT 88.84 689.25 Td (Recently) Tj ET Q q 0 0 0 rg BT 123.73 689.25 Td (, ) Tj ET Q q 0 0 0 rg BT 129.26 689.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 160.03 689.25 Td (and ) Tj ET Q q 0 0 0 rg BT 177.50 689.25 Td (state ) Tj ET Q q 0 0 0 rg BT 198.85 689.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 214.09 689.25 Td (authorities ) Tj ET Q q 0 0 0 rg BT 259.32 689.25 Td (have ) Tj ET Q q 0 0 0 rg BT 281.22 689.25 Td (become ) Tj ET Q q 0 0 0 rg BT 315.34 689.25 Td (increasingly ) Tj ET Q q 0 0 0 rg BT 367.24 689.25 Td (aggressive ) Tj ET Q q 0 0 0 rg BT 412.47 689.25 Td (in ) Tj ET Q q 0 0 0 rg BT 423.27 689.25 Td (challenging ) Tj ET Q q 0 0 0 rg BT 472.94 689.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 488.18 689.25 Td (positions ) Tj ET Q q 0 0 0 rg BT 527.33 689.25 Td (taken ) Tj ET Q q 0 0 0 rg BT 552.01 689.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.88 677.25 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 135.60 677.25 Td (These ) Tj ET Q q 0 0 0 rg BT 161.38 677.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 175.50 677.25 Td (positions ) Tj ET Q q 0 0 0 rg BT 213.52 677.25 Td (may ) Tj ET Q q 0 0 0 rg BT 232.64 677.25 Td (relate ) Tj ET Q q 0 0 0 rg BT 256.74 677.25 Td (to ) Tj ET Q q 0 0 0 rg BT 266.42 677.25 Td (among ) Tj ET Q q 0 0 0 rg BT 295.54 677.25 Td (other ) Tj ET Q q 0 0 0 rg BT 317.99 677.25 Td (things ) Tj ET Q q 0 0 0 rg BT 344.34 677.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 358.46 677.25 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 408.95 677.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 430.29 677.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.63 677.25 Td (use, ) Tj ET Q q 0 0 0 rg BT 464.36 677.25 Td (franchise, ) Tj ET Q q 0 0 0 rg BT 505.41 677.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 528.42 677.25 Td (receipts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.25 Td (payroll, ) Tj ET Q q 0 0 0 rg BT 83.49 665.25 Td (property ) Tj ET Q q 0 0 0 rg BT 120.02 665.25 Td (and ) Tj ET Q q 0 0 0 rg BT 137.12 665.25 Td (income ) Tj ET Q q 0 0 0 rg BT 169.22 665.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 184.10 665.25 Td (issues, ) Tj ET Q q 0 0 0 rg BT 213.15 665.25 Td (including ) Tj ET Q q 0 0 0 rg BT 253.58 665.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 268.46 665.25 Td (base, ) Tj ET Q q 0 0 0 rg BT 291.39 665.25 Td (apportionment ) Tj ET Q q 0 0 0 rg BT 352.37 665.25 Td (and ) Tj ET Q q 0 0 0 rg BT 369.47 665.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 384.35 665.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 409.78 665.25 Td (planning. ) Tj ET Q q 0 0 0 rg BT 449.74 665.25 Td (The ) Tj ET Q q 0 0 0 rg BT 467.95 665.25 Td (challenges ) Tj ET Q q 0 0 0 rg BT 512.81 665.25 Td (made ) Tj ET Q q 0 0 0 rg BT 537.13 665.25 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 665.25 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.25 Td (authorities ) Tj ET Q q 0 0 0 rg BT 94.57 653.25 Td (may ) Tj ET Q q 0 0 0 rg BT 114.14 653.25 Td (result ) Tj ET Q q 0 0 0 rg BT 138.71 653.25 Td (in ) Tj ET Q q 0 0 0 rg BT 148.85 653.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 198.98 653.25 Td (to ) Tj ET Q q 0 0 0 rg BT 209.11 653.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.68 653.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 252.15 653.25 Td (or ) Tj ET Q q 0 0 0 rg BT 262.84 653.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 295.19 653.25 Td (of ) Tj ET Q q 0 0 0 rg BT 305.88 653.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 337.10 653.25 Td (income ) Tj ET Q q 0 0 0 rg BT 368.89 653.25 Td (or ) Tj ET Q q 0 0 0 rg BT 379.58 653.25 Td (deductions ) Tj ET Q q 0 0 0 rg BT 425.26 653.25 Td (or ) Tj ET Q q 0 0 0 rg BT 435.95 653.25 Td (the ) Tj ET Q q 0 0 0 rg BT 450.52 653.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 492.30 653.25 Td (of ) Tj ET Q q 0 0 0 rg BT 502.99 653.25 Td (income ) Tj ET Q q 0 0 0 rg BT 534.78 653.25 Td (among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.77 641.25 Td (jurisdictions. ) Tj ET Q q 0 0 0 rg BT 119.26 641.25 Td (If ) Tj ET Q q 0 0 0 rg BT 128.47 641.25 Td (any ) Tj ET Q q 0 0 0 rg BT 145.46 641.25 Td (such ) Tj ET Q q 0 0 0 rg BT 166.35 641.25 Td (challenges ) Tj ET Q q 0 0 0 rg BT 211.10 641.25 Td (are ) Tj ET Q q 0 0 0 rg BT 225.86 641.25 Td (made ) Tj ET Q q 0 0 0 rg BT 250.06 641.25 Td (and ) Tj ET Q q 0 0 0 rg BT 267.05 641.25 Td (are ) Tj ET Q q 0 0 0 rg BT 281.81 641.25 Td (not ) Tj ET Q q 0 0 0 rg BT 297.14 641.25 Td (resolved ) Tj ET Q q 0 0 0 rg BT 333.57 641.25 Td (in ) Tj ET Q q 0 0 0 rg BT 343.90 641.25 Td (our ) Tj ET Q q 0 0 0 rg BT 359.78 641.25 Td (favor) Tj ET Q q 0 0 0 rg BT 380.48 641.25 Td (, ) Tj ET Q q 0 0 0 rg BT 385.53 641.25 Td (they ) Tj ET Q q 0 0 0 rg BT 405.30 641.25 Td (could ) Tj ET Q q 0 0 0 rg BT 430.07 641.25 Td (have ) Tj ET Q q 0 0 0 rg BT 451.49 641.25 Td (a ) Tj ET Q q 0 0 0 rg BT 458.48 641.25 Td (material ) Tj ET Q q 0 0 0 rg BT 493.79 641.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 526.88 641.25 Td (ef) Tj ET Q q 0 0 0 rg BT 534.47 641.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.01 641.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 629.25 Td (our ) Tj ET Q q 0 0 0 rg BT 66.09 629.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 103.82 629.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 144.35 629.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.55 629.25 Td (results ) Tj ET Q q 0 0 0 rg BT 190.41 629.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.50 629.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 248.41 629.25 Td (Given ) Tj ET Q q 0 0 0 rg BT 275.61 629.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.58 629.25 Td (current ) Tj ET Q q 0 0 0 rg BT 321.65 629.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 363.28 629.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.47 629.25 Td (political ) Tj ET Q q 0 0 0 rg BT 416.00 629.25 Td (environment ) Tj ET Q q 0 0 0 rg BT 469.30 629.25 Td (and ) Tj ET Q q 0 0 0 rg BT 486.49 629.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 522.03 629.25 Td (budgetary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 617.25 Td (pressures, ) Tj ET Q q 0 0 0 rg BT 92.54 617.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.59 617.25 Td (enactment ) Tj ET Q q 0 0 0 rg BT 151.50 617.25 Td (of ) Tj ET Q q 0 0 0 rg BT 162.66 617.25 Td (new ) Tj ET Q q 0 0 0 rg BT 182.15 617.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 212.73 617.25 Td (or ) Tj ET Q q 0 0 0 rg BT 223.89 617.25 Td (state ) Tj ET Q q 0 0 0 rg BT 245.05 617.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 260.09 617.25 Td (legislation ) Tj ET Q q 0 0 0 rg BT 304.58 617.25 Td (may ) Tj ET Q q 0 0 0 rg BT 324.63 617.25 Td (occur) Tj ET Q q 0 0 0 rg BT 346.28 617.25 Td (. ) Tj ET Q q 0 0 0 rg BT 351.40 617.25 Td (The ) Tj ET Q q 0 0 0 rg BT 369.78 617.25 Td (enactment ) Tj ET Q q 0 0 0 rg BT 413.70 617.25 Td (of ) Tj ET Q q 0 0 0 rg BT 424.86 617.25 Td (such ) Tj ET Q q 0 0 0 rg BT 446.02 617.25 Td (legislation, ) Tj ET Q q 0 0 0 rg BT 493.00 617.25 Td (or ) Tj ET Q q 0 0 0 rg BT 504.16 617.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 539.20 617.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.81 617.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 605.25 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 107.05 605.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.56 605.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 153.41 605.25 Td (law) Tj ET Q q 0 0 0 rg BT 167.20 605.25 Td (, ) Tj ET Q q 0 0 0 rg BT 172.88 605.25 Td (including ) Tj ET Q q 0 0 0 rg BT 213.84 605.25 Td (provisions ) Tj ET Q q 0 0 0 rg BT 258.69 605.25 Td (impacting ) Tj ET Q q 0 0 0 rg BT 301.86 605.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 317.26 605.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 341.82 605.25 Td (apportionment, ) Tj ET Q q 0 0 0 rg BT 405.83 605.25 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 462.89 605.25 Td (or ) Tj ET Q q 0 0 0 rg BT 474.40 605.25 Td (combination, ) Tj ET Q q 0 0 0 rg BT 530.08 605.25 Td (income, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 593.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 88.60 593.25 Td (and ) Tj ET Q q 0 0 0 rg BT 105.54 593.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 134.69 593.25 Td (may ) Tj ET Q q 0 0 0 rg BT 154.41 593.25 Td (have ) Tj ET Q q 0 0 0 rg BT 175.79 593.25 Td (a ) Tj ET Q q 0 0 0 rg BT 182.72 593.25 Td (material ) Tj ET Q q 0 0 0 rg BT 217.98 593.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 251.02 593.25 Td (ef) Tj ET Q q 0 0 0 rg BT 258.61 593.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 276.09 593.25 Td (on ) Tj ET Q q 0 0 0 rg BT 288.59 593.25 Td (our ) Tj ET Q q 0 0 0 rg BT 304.42 593.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 343.32 593.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 380.80 593.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 421.07 593.25 Td (and ) Tj ET Q q 0 0 0 rg BT 438.01 593.25 Td (results ) Tj ET Q q 0 0 0 rg BT 466.62 593.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.45 593.25 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 572.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 88.44 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 99.11 572.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 147.55 572.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 180.97 572.25 Td (or ) Tj ET Q q 0 0 0 rg BT 192.19 572.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 240.63 572.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 282.96 572.25 Td (could ) Tj ET Q q 0 0 0 rg BT 308.06 572.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 352.04 572.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 392.68 572.25 Td (af) Tj ET Q q 0 0 0 rg BT 400.83 572.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 418.14 572.25 Td (how ) Tj ET Q q 0 0 0 rg BT 437.69 572.25 Td (we ) Tj ET Q q 0 0 0 rg BT 451.12 572.25 Td (report ) Tj ET Q q 0 0 0 rg BT 478.44 572.25 Td (our ) Tj ET Q q 0 0 0 rg BT 495.22 572.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 534.77 572.25 Td (results ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.06 560.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 107.79 560.25 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 543.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.55 543.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 115.42 543.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 149.53 543.25 Td (are ) Tj ET Q q 0 0 0 rg BT 164.73 543.25 Td (fundamental ) Tj ET Q q 0 0 0 rg BT 217.71 543.25 Td (to ) Tj ET Q q 0 0 0 rg BT 228.49 543.25 Td (understanding ) Tj ET Q q 0 0 0 rg BT 288.15 543.25 Td (our ) Tj ET Q q 0 0 0 rg BT 304.47 543.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 342.45 543.25 Td (results ) Tj ET Q q 0 0 0 rg BT 371.56 543.25 Td (and ) Tj ET Q q 0 0 0 rg BT 389.00 543.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 426.98 543.25 Td (condition. ) Tj ET Q q 0 0 0 rg BT 470.25 543.25 Td (Some ) Tj ET Q q 0 0 0 rg BT 496.03 543.25 Td (of ) Tj ET Q q 0 0 0 rg BT 507.36 543.25 Td (these ) Tj ET Q q 0 0 0 rg BT 530.91 543.25 Td (policies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 531.25 Td (require ) Tj ET Q q 0 0 0 rg BT 79.87 531.25 Td (use ) Tj ET Q q 0 0 0 rg BT 94.75 531.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.63 531.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 143.40 531.25 Td (and ) Tj ET Q q 0 0 0 rg BT 159.39 531.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 210.39 531.25 Td (that ) Tj ET Q q 0 0 0 rg BT 226.94 531.25 Td (af) Tj ET Q q 0 0 0 rg BT 234.53 531.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 251.06 531.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.83 531.25 Td (value ) Tj ET Q q 0 0 0 rg BT 288.04 531.25 Td (of ) Tj ET Q q 0 0 0 rg BT 297.92 531.25 Td (our ) Tj ET Q q 0 0 0 rg BT 312.81 531.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 337.69 531.25 Td (or ) Tj ET Q q 0 0 0 rg BT 347.57 531.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 386.34 531.25 Td (and ) Tj ET Q q 0 0 0 rg BT 402.33 531.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.87 531.25 Td (results. ) Tj ET Q q 0 0 0 rg BT 469.03 531.25 Td (Some ) Tj ET Q q 0 0 0 rg BT 493.36 531.25 Td (of ) Tj ET Q q 0 0 0 rg BT 503.24 531.25 Td (our ) Tj ET Q q 0 0 0 rg BT 518.13 531.25 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 519.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 83.38 519.25 Td (are ) Tj ET Q q 0 0 0 rg BT 97.87 519.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 127.91 519.25 Td (because ) Tj ET Q q 0 0 0 rg BT 161.84 519.25 Td (they ) Tj ET Q q 0 0 0 rg BT 181.33 519.25 Td (require ) Tj ET Q q 0 0 0 rg BT 211.93 519.25 Td (management ) Tj ET Q q 0 0 0 rg BT 265.30 519.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.36 519.25 Td (make ) Tj ET Q q 0 0 0 rg BT 299.29 519.25 Td (dif) Tj ET Q q 0 0 0 rg BT 310.22 519.25 Td (ficult, ) Tj ET Q q 0 0 0 rg BT 336.10 519.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 378.93 519.25 Td (and ) Tj ET Q q 0 0 0 rg BT 395.64 519.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 432.36 519.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 476.30 519.25 Td (about ) Tj ET Q q 0 0 0 rg BT 500.80 519.25 Td (matters ) Tj ET Q q 0 0 0 rg BT 532.51 519.25 Td (that ) Tj ET Q q 0 0 0 rg BT 549.79 519.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 507.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 92.38 507.25 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 131.42 507.25 Td (and ) Tj ET Q q 0 0 0 rg BT 147.70 507.25 Td (because ) Tj ET Q q 0 0 0 rg BT 181.18 507.25 Td (it ) Tj ET Q q 0 0 0 rg BT 188.58 507.25 Td (is ) Tj ET Q q 0 0 0 rg BT 197.08 507.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 221.70 507.25 Td (that ) Tj ET Q q 0 0 0 rg BT 238.53 507.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 280.91 507.25 Td (dif) Tj ET Q q 0 0 0 rg BT 291.83 507.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 316.99 507.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 352.71 507.25 Td (would ) Tj ET Q q 0 0 0 rg BT 379.55 507.25 Td (be ) Tj ET Q q 0 0 0 rg BT 390.83 507.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 425.98 507.25 Td (under ) Tj ET Q q 0 0 0 rg BT 450.59 507.25 Td (dif) Tj ET Q q 0 0 0 rg BT 461.52 507.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 486.67 507.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 530.17 507.25 Td (or ) Tj ET Q q 0 0 0 rg BT 540.34 507.25 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 495.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 495.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 87.55 495.25 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 142.80 495.25 Td (If ) Tj ET Q q 0 0 0 rg BT 152.77 495.25 Td (such ) Tj ET Q q 0 0 0 rg BT 174.40 495.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 214.92 495.25 Td (or ) Tj ET Q q 0 0 0 rg BT 226.55 495.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 279.30 495.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 325.93 495.25 Td (our ) Tj ET Q q 0 0 0 rg BT 342.57 495.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 380.85 495.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 426.37 495.25 Td (are ) Tj ET Q q 0 0 0 rg BT 441.88 495.25 Td (incorrect, ) Tj ET Q q 0 0 0 rg BT 483.22 495.25 Td (we ) Tj ET Q q 0 0 0 rg BT 498.18 495.25 Td (may ) Tj ET Q q 0 0 0 rg BT 518.71 495.25 Td (experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 483.25 Td (material ) Tj ET Q q 0 0 0 rg BT 86.68 483.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 116.99 483.25 Td (From ) Tj ET Q q 0 0 0 rg BT 142.58 483.25 Td (time ) Tj ET Q q 0 0 0 rg BT 164.28 483.25 Td (to ) Tj ET Q q 0 0 0 rg BT 175.98 483.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 200.17 483.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.31 483.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 256.58 483.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 307.15 483.25 Td (Standards ) Tj ET Q q 0 0 0 rg BT 350.51 483.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 378.87 483.25 Td (\("F) Tj ET Q q 0 0 0 rg BT 391.10 483.25 Td (ASB"\) ) Tj ET Q q 0 0 0 rg BT 421.89 483.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.25 483.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.39 483.25 Td (SEC ) Tj ET Q q 0 0 0 rg BT 478.65 483.25 Td (change ) Tj ET Q q 0 0 0 rg BT 510.88 483.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.02 483.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 471.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 96.36 471.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.30 471.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 152.44 471.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 192.71 471.25 Td (that ) Tj ET Q q 0 0 0 rg BT 210.19 471.25 Td (govern ) Tj ET Q q 0 0 0 rg BT 240.45 471.25 Td (the ) Tj ET Q q 0 0 0 rg BT 255.16 471.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 303.19 471.25 Td (of ) Tj ET Q q 0 0 0 rg BT 314.01 471.25 Td (our ) Tj ET Q q 0 0 0 rg BT 329.83 471.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 367.31 471.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 414.33 471.25 Td (These ) Tj ET Q q 0 0 0 rg BT 440.70 471.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 475.40 471.25 Td (can ) Tj ET Q q 0 0 0 rg BT 491.77 471.25 Td (be ) Tj ET Q q 0 0 0 rg BT 503.70 471.25 Td (hard ) Tj ET Q q 0 0 0 rg BT 523.96 471.25 Td (to ) Tj ET Q q 0 0 0 rg BT 534.23 471.25 Td (predict ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 459.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.71 459.25 Td (can ) Tj ET Q q 0 0 0 rg BT 82.86 459.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 125.67 459.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 155.16 459.25 Td (how ) Tj ET Q q 0 0 0 rg BT 174.65 459.25 Td (we ) Tj ET Q q 0 0 0 rg BT 188.58 459.25 Td (record ) Tj ET Q q 0 0 0 rg BT 216.39 459.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.11 459.25 Td (report ) Tj ET Q q 0 0 0 rg BT 259.26 459.25 Td (our ) Tj ET Q q 0 0 0 rg BT 274.86 459.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.11 459.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 352.16 459.25 Td (and ) Tj ET Q q 0 0 0 rg BT 368.87 459.25 Td (results ) Tj ET Q q 0 0 0 rg BT 397.25 459.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.85 459.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 454.28 459.25 Td (In ) Tj ET Q q 0 0 0 rg BT 464.89 459.25 Td (some ) Tj ET Q q 0 0 0 rg BT 488.27 459.25 Td (cases, ) Tj ET Q q 0 0 0 rg BT 514.14 459.25 Td (we ) Tj ET Q q 0 0 0 rg BT 528.07 459.25 Td (could ) Tj ET Q q 0 0 0 rg BT 552.56 459.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 447.25 Td (required ) Tj ET Q q 0 0 0 rg BT 85.82 447.25 Td (to ) Tj ET Q q 0 0 0 rg BT 96.09 447.25 Td (apply ) Tj ET Q q 0 0 0 rg BT 120.81 447.25 Td (a ) Tj ET Q q 0 0 0 rg BT 127.75 447.25 Td (new ) Tj ET Q q 0 0 0 rg BT 146.91 447.25 Td (or ) Tj ET Q q 0 0 0 rg BT 157.74 447.25 Td (revised ) Tj ET Q q 0 0 0 rg BT 189.12 447.25 Td (standard ) Tj ET Q q 0 0 0 rg BT 225.49 447.25 Td (retroactively) Tj ET Q q 0 0 0 rg BT 275.37 447.25 Td (, ) Tj ET Q q 0 0 0 rg BT 280.37 447.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 317.87 447.25 Td (in ) Tj ET Q q 0 0 0 rg BT 328.14 447.25 Td (the ) Tj ET Q q 0 0 0 rg BT 342.86 447.25 Td (restatement ) Tj ET Q q 0 0 0 rg BT 391.45 447.25 Td (of ) Tj ET Q q 0 0 0 rg BT 402.28 447.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 424.22 447.25 Td (period ) Tj ET Q q 0 0 0 rg BT 452.27 447.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 489.75 447.25 Td (statements.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 424.85 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 424.85 Td (e ) Tj ET Q q 0 0 0 rg BT 65.09 424.85 Td (are ) Tj ET Q q 0 0 0 rg BT 80.92 424.85 Td (a ) Tj ET Q q 0 0 0 rg BT 88.42 424.85 Td (bank ) Tj ET Q q 0 0 0 rg BT 111.48 424.85 Td (holding ) Tj ET Q q 0 0 0 rg BT 145.66 424.85 Td (company) Tj ET Q q 0 0 0 rg BT 182.50 424.85 Td (, ) Tj ET Q q 0 0 0 rg BT 187.50 424.85 Td (and ) Tj ET Q q 0 0 0 rg BT 205.57 424.85 Td (our ) Tj ET Q q 0 0 0 rg BT 222.52 424.85 Td (sources ) Tj ET Q q 0 0 0 rg BT 256.13 424.85 Td (of ) Tj ET Q q 0 0 0 rg BT 266.96 424.85 Td (funds, ) Tj ET Q q 0 0 0 rg BT 295.31 424.85 Td (including ) Tj ET Q q 0 0 0 rg BT 337.27 424.85 Td (to ) Tj ET Q q 0 0 0 rg BT 347.54 424.85 Td (pay ) Tj ET Q q 0 0 0 rg BT 364.48 424.85 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 408.37 424.85 Td (are ) Tj ET Q q 0 0 0 rg BT 424.20 424.85 Td (limited.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 407.85 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 407.85 Td (e ) Tj ET Q q 0 0 0 rg BT 65.91 407.85 Td (are ) Tj ET Q q 0 0 0 rg BT 80.94 407.85 Td (a ) Tj ET Q q 0 0 0 rg BT 88.21 407.85 Td (bank ) Tj ET Q q 0 0 0 rg BT 110.48 407.85 Td (holding ) Tj ET Q q 0 0 0 rg BT 143.86 407.85 Td (company ) Tj ET Q q 0 0 0 rg BT 183.35 407.85 Td (and ) Tj ET Q q 0 0 0 rg BT 200.62 407.85 Td (our ) Tj ET Q q 0 0 0 rg BT 216.78 407.85 Td (operations ) Tj ET Q q 0 0 0 rg BT 261.26 407.85 Td (are ) Tj ET Q q 0 0 0 rg BT 276.30 407.85 Td (primarily ) Tj ET Q q 0 0 0 rg BT 316.34 407.85 Td (conducted ) Tj ET Q q 0 0 0 rg BT 360.26 407.85 Td (by ) Tj ET Q q 0 0 0 rg BT 373.09 407.85 Td (and ) Tj ET Q q 0 0 0 rg BT 390.36 407.85 Td (through ) Tj ET Q q 0 0 0 rg BT 424.30 407.85 Td (our ) Tj ET Q q 0 0 0 rg BT 440.46 407.85 Td (15 ) Tj ET Q q 0 0 0 rg BT 453.29 407.85 Td (operating ) Tj ET Q q 0 0 0 rg BT 493.88 407.85 Td (banks, ) Tj ET Q q 0 0 0 rg BT 522.54 407.85 Td (which ) Tj ET Q q 0 0 0 rg BT 549.81 407.85 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 395.85 Td (subject ) Tj ET Q q 0 0 0 rg BT 81.04 395.85 Td (to ) Tj ET Q q 0 0 0 rg BT 91.53 395.85 Td (significant ) Tj ET Q q 0 0 0 rg BT 136.46 395.85 Td (federal ) Tj ET Q q 0 0 0 rg BT 166.92 395.85 Td (and ) Tj ET Q q 0 0 0 rg BT 184.08 395.85 Td (state ) Tj ET Q q 0 0 0 rg BT 205.12 395.85 Td (regulation. ) Tj ET Q q 0 0 0 rg BT 250.87 395.85 Td (Cash ) Tj ET Q q 0 0 0 rg BT 273.59 395.85 Td (available ) Tj ET Q q 0 0 0 rg BT 312.39 395.85 Td (to ) Tj ET Q q 0 0 0 rg BT 322.88 395.85 Td (pay ) Tj ET Q q 0 0 0 rg BT 340.03 395.85 Td (dividends ) Tj ET Q q 0 0 0 rg BT 381.63 395.85 Td (to ) Tj ET Q q 0 0 0 rg BT 392.13 395.85 Td (our ) Tj ET Q q 0 0 0 rg BT 408.17 395.85 Td (shareholders, ) Tj ET Q q 0 0 0 rg BT 463.92 395.85 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 509.94 395.85 Td (our ) Tj ET Q q 0 0 0 rg BT 525.98 395.85 Td (shares ) Tj ET Q q 0 0 0 rg BT 553.69 395.85 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 383.85 Td (repay ) Tj ET Q q 0 0 0 rg BT 74.37 383.85 Td (our ) Tj ET Q q 0 0 0 rg BT 89.86 383.85 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 143.67 383.85 Td (is ) Tj ET Q q 0 0 0 rg BT 152.50 383.85 Td (derived ) Tj ET Q q 0 0 0 rg BT 184.65 383.85 Td (primarily ) Tj ET Q q 0 0 0 rg BT 224.02 383.85 Td (from ) Tj ET Q q 0 0 0 rg BT 245.62 383.85 Td (dividends ) Tj ET Q q 0 0 0 rg BT 286.67 383.85 Td (received ) Tj ET Q q 0 0 0 rg BT 322.69 383.85 Td (from ) Tj ET Q q 0 0 0 rg BT 344.29 383.85 Td (our ) Tj ET Q q 0 0 0 rg BT 359.78 383.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 385.27 383.85 Td (and ) Tj ET Q q 0 0 0 rg BT 401.87 383.85 Td (our ) Tj ET Q q 0 0 0 rg BT 417.36 383.85 Td (ability ) Tj ET Q q 0 0 0 rg BT 445.08 383.85 Td (to ) Tj ET Q q 0 0 0 rg BT 455.01 383.85 Td (receive ) Tj ET Q q 0 0 0 rg BT 486.04 383.85 Td (dividends ) Tj ET Q q 0 0 0 rg BT 527.08 383.85 Td (from ) Tj ET Q q 0 0 0 rg BT 548.68 383.85 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.85 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 99.49 371.85 Td (is ) Tj ET Q q 0 0 0 rg BT 108.43 371.85 Td (restricted. ) Tj ET Q q 0 0 0 rg BT 150.24 371.85 Td (V) Tj ET Q q 0 0 0 rg BT 156.35 371.85 Td (arious ) Tj ET Q q 0 0 0 rg BT 183.06 371.85 Td (statutory ) Tj ET Q q 0 0 0 rg BT 220.32 371.85 Td (provisions ) Tj ET Q q 0 0 0 rg BT 264.26 371.85 Td (restrict ) Tj ET Q q 0 0 0 rg BT 294.30 371.85 Td (the ) Tj ET Q q 0 0 0 rg BT 308.79 371.85 Td (amount ) Tj ET Q q 0 0 0 rg BT 341.05 371.85 Td (of ) Tj ET Q q 0 0 0 rg BT 351.65 371.85 Td (dividends ) Tj ET Q q 0 0 0 rg BT 392.81 371.85 Td (our ) Tj ET Q q 0 0 0 rg BT 408.41 371.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 434.01 371.85 Td (can ) Tj ET Q q 0 0 0 rg BT 450.16 371.85 Td (pay ) Tj ET Q q 0 0 0 rg BT 466.87 371.85 Td (to ) Tj ET Q q 0 0 0 rg BT 476.92 371.85 Td (us ) Tj ET Q q 0 0 0 rg BT 488.08 371.85 Td (without ) Tj ET Q q 0 0 0 rg BT 520.91 371.85 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.85 Td (approval. ) Tj ET Q q 0 0 0 rg BT 89.64 359.85 Td (The ) Tj ET Q q 0 0 0 rg BT 107.51 359.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 133.16 359.85 Td (may ) Tj ET Q q 0 0 0 rg BT 152.69 359.85 Td (not ) Tj ET Q q 0 0 0 rg BT 167.79 359.85 Td (pay ) Tj ET Q q 0 0 0 rg BT 184.55 359.85 Td (cash ) Tj ET Q q 0 0 0 rg BT 204.64 359.85 Td (dividends ) Tj ET Q q 0 0 0 rg BT 245.85 359.85 Td (if ) Tj ET Q q 0 0 0 rg BT 254.28 359.85 Td (that ) Tj ET Q q 0 0 0 rg BT 271.59 359.85 Td (payment ) Tj ET Q q 0 0 0 rg BT 308.35 359.85 Td (could ) Tj ET Q q 0 0 0 rg BT 332.89 359.85 Td (reduce ) Tj ET Q q 0 0 0 rg BT 361.85 359.85 Td (the ) Tj ET Q q 0 0 0 rg BT 376.39 359.85 Td (amount ) Tj ET Q q 0 0 0 rg BT 408.71 359.85 Td (of ) Tj ET Q q 0 0 0 rg BT 419.36 359.85 Td (their ) Tj ET Q q 0 0 0 rg BT 440.00 359.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 468.97 359.85 Td (below ) Tj ET Q q 0 0 0 rg BT 495.73 359.85 Td (that ) Tj ET Q q 0 0 0 rg BT 513.05 359.85 Td (necessary ) Tj ET Q q 0 0 0 rg BT 554.24 359.85 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 347.85 Td (meet ) Tj ET Q q 0 0 0 rg BT 71.30 347.85 Td (the ) Tj ET Q q 0 0 0 rg BT 85.37 347.85 Td (adequately ) Tj ET Q q 0 0 0 rg BT 134.98 347.85 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 184.59 347.85 Td (level ) Tj ET Q q 0 0 0 rg BT 205.89 347.85 Td (in ) Tj ET Q q 0 0 0 rg BT 215.53 347.85 Td (accordance ) Tj ET Q q 0 0 0 rg BT 262.35 347.85 Td (with ) Tj ET Q q 0 0 0 rg BT 281.99 347.85 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 324.94 347.85 Td (capital ) Tj ET Q q 0 0 0 rg BT 353.46 347.85 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 410.02 347.85 Td (It ) Tj ET Q q 0 0 0 rg BT 417.99 347.85 Td (is ) Tj ET Q q 0 0 0 rg BT 426.52 347.85 Td (also ) Tj ET Q q 0 0 0 rg BT 444.49 347.85 Td (possible ) Tj ET Q q 0 0 0 rg BT 479.13 347.85 Td (that, ) Tj ET Q q 0 0 0 rg BT 498.49 347.85 Td (depending ) Tj ET Q q 0 0 0 rg BT 542.01 347.85 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.85 Td (the ) Tj ET Q q 0 0 0 rg BT 65.07 335.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 102.90 335.85 Td (condition ) Tj ET Q q 0 0 0 rg BT 143.53 335.85 Td (of ) Tj ET Q q 0 0 0 rg BT 154.71 335.85 Td (the ) Tj ET Q q 0 0 0 rg BT 169.78 335.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 195.96 335.85 Td (and ) Tj ET Q q 0 0 0 rg BT 213.25 335.85 Td (other ) Tj ET Q q 0 0 0 rg BT 236.65 335.85 Td (factors, ) Tj ET Q q 0 0 0 rg BT 269.20 335.85 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 313.15 335.85 Td (authorities ) Tj ET Q q 0 0 0 rg BT 358.21 335.85 Td (could ) Tj ET Q q 0 0 0 rg BT 383.28 335.85 Td (conclude ) Tj ET Q q 0 0 0 rg BT 422.23 335.85 Td (that ) Tj ET Q q 0 0 0 rg BT 440.07 335.85 Td (payment ) Tj ET Q q 0 0 0 rg BT 477.36 335.85 Td (of ) Tj ET Q q 0 0 0 rg BT 488.54 335.85 Td (dividends ) Tj ET Q q 0 0 0 rg BT 530.28 335.85 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 335.85 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.85 Td (payments, ) Tj ET Q q 0 0 0 rg BT 94.01 323.85 Td (including ) Tj ET Q q 0 0 0 rg BT 134.97 323.85 Td (payments ) Tj ET Q q 0 0 0 rg BT 176.49 323.85 Td (to ) Tj ET Q q 0 0 0 rg BT 187.45 323.85 Td (us, ) Tj ET Q q 0 0 0 rg BT 202.03 323.85 Td (is ) Tj ET Q q 0 0 0 rg BT 211.89 323.85 Td (an ) Tj ET Q q 0 0 0 rg BT 224.51 323.85 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 253.80 323.85 Td (or ) Tj ET Q q 0 0 0 rg BT 265.32 323.85 Td (unsound ) Tj ET Q q 0 0 0 rg BT 302.40 323.85 Td (practice ) Tj ET Q q 0 0 0 rg BT 337.23 323.85 Td (and ) Tj ET Q q 0 0 0 rg BT 354.85 323.85 Td (impose ) Tj ET Q q 0 0 0 rg BT 386.93 323.85 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 434.55 323.85 Td (or ) Tj ET Q q 0 0 0 rg BT 446.06 323.85 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 480.92 323.85 Td (such ) Tj ET Q q 0 0 0 rg BT 502.43 323.85 Td (payments. ) Tj ET Q q 0 0 0 rg BT 546.45 323.85 Td (Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.85 Td (inability ) Tj ET Q q 0 0 0 rg BT 85.83 311.85 Td (to ) Tj ET Q q 0 0 0 rg BT 96.11 311.85 Td (receive ) Tj ET Q q 0 0 0 rg BT 127.47 311.85 Td (dividends ) Tj ET Q q 0 0 0 rg BT 168.86 311.85 Td (from ) Tj ET Q q 0 0 0 rg BT 190.80 311.85 Td (our ) Tj ET Q q 0 0 0 rg BT 206.63 311.85 Td (banks ) Tj ET Q q 0 0 0 rg BT 232.46 311.85 Td (could ) Tj ET Q q 0 0 0 rg BT 257.17 311.85 Td (adversely ) Tj ET Q q 0 0 0 rg BT 297.99 311.85 Td (af) Tj ET Q q 0 0 0 rg BT 305.58 311.85 Td (fect ) Tj ET Q q 0 0 0 rg BT 323.06 311.85 Td (our ) Tj ET Q q 0 0 0 rg BT 338.89 311.85 Td (business, ) Tj ET Q q 0 0 0 rg BT 377.78 311.85 Td (financial ) Tj ET Q q 0 0 0 rg BT 415.26 311.85 Td (condition ) Tj ET Q q 0 0 0 rg BT 455.54 311.85 Td (and ) Tj ET Q q 0 0 0 rg BT 472.48 311.85 Td (results ) Tj ET Q q 0 0 0 rg BT 501.08 311.85 Td (of ) Tj ET Q q 0 0 0 rg BT 511.91 311.85 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 285.45 Td (Anti-takeover ) Tj ET Q q 0 0 0 rg BT 108.60 285.45 Td (provisions ) Tj ET Q q 0 0 0 rg BT 153.33 285.45 Td (could ) Tj ET Q q 0 0 0 rg BT 178.61 285.45 Td (negatively ) Tj ET Q q 0 0 0 rg BT 222.76 285.45 Td (impact ) Tj ET Q q 0 0 0 rg BT 253.04 285.45 Td (our ) Tj ET Q q 0 0 0 rg BT 269.99 285.45 Td (shareholders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.45 Td (Certain ) Tj ET Q q 0 0 0 rg BT 82.35 268.45 Td (provisions ) Tj ET Q q 0 0 0 rg BT 126.93 268.45 Td (of ) Tj ET Q q 0 0 0 rg BT 138.18 268.45 Td (our ) Tj ET Q q 0 0 0 rg BT 154.42 268.45 Td (articles ) Tj ET Q q 0 0 0 rg BT 186.21 268.45 Td (of ) Tj ET Q q 0 0 0 rg BT 197.46 268.45 Td (incorporation, ) Tj ET Q q 0 0 0 rg BT 256.74 268.45 Td (by-laws ) Tj ET Q q 0 0 0 rg BT 291.32 268.45 Td (and ) Tj ET Q q 0 0 0 rg BT 308.67 268.45 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 339.92 268.45 Td (law ) Tj ET Q q 0 0 0 rg BT 357.28 268.45 Td (may ) Tj ET Q q 0 0 0 rg BT 377.41 268.45 Td (have ) Tj ET Q q 0 0 0 rg BT 399.20 268.45 Td (the ) Tj ET Q q 0 0 0 rg BT 414.33 268.45 Td (ef) Tj ET Q q 0 0 0 rg BT 421.92 268.45 Td (fect ) Tj ET Q q 0 0 0 rg BT 439.82 268.45 Td (of ) Tj ET Q q 0 0 0 rg BT 451.06 268.45 Td (impeding ) Tj ET Q q 0 0 0 rg BT 491.75 268.45 Td (the ) Tj ET Q q 0 0 0 rg BT 506.88 268.45 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 553.68 268.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.45 Td (control ) Tj ET Q q 0 0 0 rg BT 81.02 256.45 Td (of ) Tj ET Q q 0 0 0 rg BT 91.85 256.45 Td (W) Tj ET Q q 0 0 0 rg BT 100.89 256.45 Td (intrust ) Tj ET Q q 0 0 0 rg BT 129.14 256.45 Td (by ) Tj ET Q q 0 0 0 rg BT 141.84 256.45 Td (means ) Tj ET Q q 0 0 0 rg BT 170.08 256.45 Td (of ) Tj ET Q q 0 0 0 rg BT 181.10 256.45 Td (a ) Tj ET Q q 0 0 0 rg BT 188.24 256.45 Td (tender ) Tj ET Q q 0 0 0 rg BT 215.92 256.45 Td (of) Tj ET Q q 0 0 0 rg BT 224.07 256.45 Td (fer) Tj ET Q q 0 0 0 rg BT 234.77 256.45 Td (, ) Tj ET Q q 0 0 0 rg BT 239.96 256.45 Td (a ) Tj ET Q q 0 0 0 rg BT 247.10 256.45 Td (proxy ) Tj ET Q q 0 0 0 rg BT 273.12 256.45 Td (fight, ) Tj ET Q q 0 0 0 rg BT 297.20 256.45 Td (open-market ) Tj ET Q q 0 0 0 rg BT 350.43 256.45 Td (purchases ) Tj ET Q q 0 0 0 rg BT 392.55 256.45 Td (or ) Tj ET Q q 0 0 0 rg BT 403.58 256.45 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 445.15 256.45 Td (in ) Tj ET Q q 0 0 0 rg BT 455.63 256.45 Td (a ) Tj ET Q q 0 0 0 rg BT 462.76 256.45 Td (transaction ) Tj ET Q q 0 0 0 rg BT 509.33 256.45 Td (not ) Tj ET Q q 0 0 0 rg BT 524.80 256.45 Td (approved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.45 Td (by ) Tj ET Q q 0 0 0 rg BT 62.33 244.45 Td (our ) Tj ET Q q 0 0 0 rg BT 77.98 244.45 Td (board ) Tj ET Q q 0 0 0 rg BT 103.08 244.45 Td (of ) Tj ET Q q 0 0 0 rg BT 113.73 244.45 Td (directors. ) Tj ET Q q 0 0 0 rg BT 153.54 244.45 Td (For ) Tj ET Q q 0 0 0 rg BT 169.76 244.45 Td (example, ) Tj ET Q q 0 0 0 rg BT 208.46 244.45 Td (our ) Tj ET Q q 0 0 0 rg BT 224.11 244.45 Td (board ) Tj ET Q q 0 0 0 rg BT 249.21 244.45 Td (of ) Tj ET Q q 0 0 0 rg BT 259.86 244.45 Td (directors ) Tj ET Q q 0 0 0 rg BT 297.17 244.45 Td (may ) Tj ET Q q 0 0 0 rg BT 316.72 244.45 Td (issue ) Tj ET Q q 0 0 0 rg BT 339.04 244.45 Td (additional ) Tj ET Q q 0 0 0 rg BT 381.36 244.45 Td (authorized ) Tj ET Q q 0 0 0 rg BT 425.89 244.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 453.20 244.45 Td (of ) Tj ET Q q 0 0 0 rg BT 463.86 244.45 Td (our ) Tj ET Q q 0 0 0 rg BT 479.51 244.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 508.49 244.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 531.92 244.45 Td (to ) Tj ET Q q 0 0 0 rg BT 542.03 244.45 Td (deter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.45 Td (future ) Tj ET Q q 0 0 0 rg BT 76.43 232.45 Td (attempts ) Tj ET Q q 0 0 0 rg BT 112.86 232.45 Td (to ) Tj ET Q q 0 0 0 rg BT 123.19 232.45 Td (gain ) Tj ET Q q 0 0 0 rg BT 142.96 232.45 Td (control ) Tj ET Q q 0 0 0 rg BT 173.84 232.45 Td (of ) Tj ET Q q 0 0 0 rg BT 184.53 232.45 Td (W) Tj ET Q q 0 0 0 rg BT 193.57 232.45 Td (intrust, ) Tj ET Q q 0 0 0 rg BT 224.18 232.45 Td (including ) Tj ET Q q 0 0 0 rg BT 264.50 232.45 Td (the ) Tj ET Q q 0 0 0 rg BT 279.27 232.45 Td (authority ) Tj ET Q q 0 0 0 rg BT 317.93 232.45 Td (to ) Tj ET Q q 0 0 0 rg BT 328.26 232.45 Td (determine ) Tj ET Q q 0 0 0 rg BT 370.79 232.45 Td (the ) Tj ET Q q 0 0 0 rg BT 385.56 232.45 Td (terms ) Tj ET Q q 0 0 0 rg BT 410.32 232.45 Td (of ) Tj ET Q q 0 0 0 rg BT 421.20 232.45 Td (any ) Tj ET Q q 0 0 0 rg BT 438.19 232.45 Td (one ) Tj ET Q q 0 0 0 rg BT 455.18 232.45 Td (or ) Tj ET Q q 0 0 0 rg BT 466.07 232.45 Td (more ) Tj ET Q q 0 0 0 rg BT 489.16 232.45 Td (series ) Tj ET Q q 0 0 0 rg BT 514.48 232.45 Td (of ) Tj ET Q q 0 0 0 rg BT 525.36 232.45 Td (preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.45 Td (stock, ) Tj ET Q q 0 0 0 rg BT 75.99 220.45 Td (such ) Tj ET Q q 0 0 0 rg BT 96.70 220.45 Td (as ) Tj ET Q q 0 0 0 rg BT 107.41 220.45 Td (voting ) Tj ET Q q 0 0 0 rg BT 135.35 220.45 Td (rights, ) Tj ET Q q 0 0 0 rg BT 163.01 220.45 Td (conversion ) Tj ET Q q 0 0 0 rg BT 209.26 220.45 Td (rates ) Tj ET Q q 0 0 0 rg BT 230.52 220.45 Td (and ) Tj ET Q q 0 0 0 rg BT 247.34 220.45 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 293.05 220.45 Td (preferences. ) Tj ET Q q 0 0 0 rg BT 343.48 220.45 Td (As ) Tj ET Q q 0 0 0 rg BT 356.97 220.45 Td (a ) Tj ET Q q 0 0 0 rg BT 363.79 220.45 Td (result ) Tj ET Q q 0 0 0 rg BT 388.39 220.45 Td (of ) Tj ET Q q 0 0 0 rg BT 399.10 220.45 Td (the ) Tj ET Q q 0 0 0 rg BT 413.70 220.45 Td (ability ) Tj ET Q q 0 0 0 rg BT 441.63 220.45 Td (to ) Tj ET Q q 0 0 0 rg BT 451.79 220.45 Td (fix ) Tj ET Q q 0 0 0 rg BT 465.28 220.45 Td (voting ) Tj ET Q q 0 0 0 rg BT 493.21 220.45 Td (rights ) Tj ET Q q 0 0 0 rg BT 518.37 220.45 Td (for ) Tj ET Q q 0 0 0 rg BT 532.41 220.45 Td (a ) Tj ET Q q 0 0 0 rg BT 539.23 220.45 Td (series ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.45 Td (of ) Tj ET Q q 0 0 0 rg BT 60.92 208.45 Td (preferred ) Tj ET Q q 0 0 0 rg BT 100.15 208.45 Td (stock, ) Tj ET Q q 0 0 0 rg BT 126.35 208.45 Td (the ) Tj ET Q q 0 0 0 rg BT 141.16 208.45 Td (board ) Tj ET Q q 0 0 0 rg BT 166.52 208.45 Td (has ) Tj ET Q q 0 0 0 rg BT 182.44 208.45 Td (the ) Tj ET Q q 0 0 0 rg BT 197.25 208.45 Td (power) Tj ET Q q 0 0 0 rg BT 221.84 208.45 Td (, ) Tj ET Q q 0 0 0 rg BT 226.93 208.45 Td (to ) Tj ET Q q 0 0 0 rg BT 237.30 208.45 Td (the ) Tj ET Q q 0 0 0 rg BT 252.11 208.45 Td (extent ) Tj ET Q q 0 0 0 rg BT 279.13 208.45 Td (consistent ) Tj ET Q q 0 0 0 rg BT 321.72 208.45 Td (with ) Tj ET Q q 0 0 0 rg BT 342.09 208.45 Td (its ) Tj ET Q q 0 0 0 rg BT 354.13 208.45 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 392.82 208.45 Td (duty) Tj ET Q q 0 0 0 rg BT 409.95 208.45 Td (, ) Tj ET Q q 0 0 0 rg BT 415.04 208.45 Td (to ) Tj ET Q q 0 0 0 rg BT 425.41 208.45 Td (issue ) Tj ET Q q 0 0 0 rg BT 448.00 208.45 Td (a ) Tj ET Q q 0 0 0 rg BT 455.03 208.45 Td (series ) Tj ET Q q 0 0 0 rg BT 480.39 208.45 Td (of ) Tj ET Q q 0 0 0 rg BT 491.31 208.45 Td (preferred ) Tj ET Q q 0 0 0 rg BT 530.54 208.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 554.24 208.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.45 Td (persons ) Tj ET Q q 0 0 0 rg BT 83.32 196.45 Td (friendly ) Tj ET Q q 0 0 0 rg BT 117.75 196.45 Td (to ) Tj ET Q q 0 0 0 rg BT 128.30 196.45 Td (management ) Tj ET Q q 0 0 0 rg BT 182.15 196.45 Td (in ) Tj ET Q q 0 0 0 rg BT 192.70 196.45 Td (order ) Tj ET Q q 0 0 0 rg BT 216.57 196.45 Td (to ) Tj ET Q q 0 0 0 rg BT 227.12 196.45 Td (attempt ) Tj ET Q q 0 0 0 rg BT 259.88 196.45 Td (to ) Tj ET Q q 0 0 0 rg BT 270.43 196.45 Td (block ) Tj ET Q q 0 0 0 rg BT 295.42 196.45 Td (a ) Tj ET Q q 0 0 0 rg BT 302.62 196.45 Td (mer) Tj ET Q q 0 0 0 rg BT 317.99 196.45 Td (ger ) Tj ET Q q 0 0 0 rg BT 333.53 196.45 Td (or ) Tj ET Q q 0 0 0 rg BT 344.63 196.45 Td (other ) Tj ET Q q 0 0 0 rg BT 367.95 196.45 Td (transaction ) Tj ET Q q 0 0 0 rg BT 414.59 196.45 Td (by ) Tj ET Q q 0 0 0 rg BT 427.36 196.45 Td (which ) Tj ET Q q 0 0 0 rg BT 454.57 196.45 Td (a ) Tj ET Q q 0 0 0 rg BT 461.77 196.45 Td (third ) Tj ET Q q 0 0 0 rg BT 483.43 196.45 Td (party ) Tj ET Q q 0 0 0 rg BT 506.75 196.45 Td (seeks ) Tj ET Q q 0 0 0 rg BT 531.18 196.45 Td (control, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.45 Td (and ) Tj ET Q q 0 0 0 rg BT 67.00 184.45 Td (thereby ) Tj ET Q q 0 0 0 rg BT 99.54 184.45 Td (assist ) Tj ET Q q 0 0 0 rg BT 123.77 184.45 Td (the ) Tj ET Q q 0 0 0 rg BT 138.54 184.45 Td (incumbent ) Tj ET Q q 0 0 0 rg BT 183.32 184.45 Td (board ) Tj ET Q q 0 0 0 rg BT 208.64 184.45 Td (of ) Tj ET Q q 0 0 0 rg BT 219.53 184.45 Td (directors ) Tj ET Q q 0 0 0 rg BT 257.08 184.45 Td (and ) Tj ET Q q 0 0 0 rg BT 274.07 184.45 Td (management ) Tj ET Q q 0 0 0 rg BT 327.72 184.45 Td (to ) Tj ET Q q 0 0 0 rg BT 338.06 184.45 Td (retain ) Tj ET Q q 0 0 0 rg BT 363.38 184.45 Td (their ) Tj ET Q q 0 0 0 rg BT 384.26 184.45 Td (respective ) Tj ET Q q 0 0 0 rg BT 427.35 184.45 Td (positions. ) Tj ET Q q 0 0 0 rg BT 468.53 184.45 Td (In ) Tj ET Q q 0 0 0 rg BT 479.42 184.45 Td (addition, ) Tj ET Q q 0 0 0 rg BT 517.25 184.45 Td (our ) Tj ET Q q 0 0 0 rg BT 533.14 184.45 Td (articles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.45 Td (of ) Tj ET Q q 0 0 0 rg BT 60.71 172.45 Td (incorporation ) Tj ET Q q 0 0 0 rg BT 116.97 172.45 Td (expressly ) Tj ET Q q 0 0 0 rg BT 157.12 172.45 Td (elect ) Tj ET Q q 0 0 0 rg BT 178.38 172.45 Td (to ) Tj ET Q q 0 0 0 rg BT 188.54 172.45 Td (be ) Tj ET Q q 0 0 0 rg BT 200.37 172.45 Td (governed ) Tj ET Q q 0 0 0 rg BT 239.96 172.45 Td (by ) Tj ET Q q 0 0 0 rg BT 252.34 172.45 Td (the ) Tj ET Q q 0 0 0 rg BT 266.94 172.45 Td (provisions ) Tj ET Q q 0 0 0 rg BT 311.00 172.45 Td (of ) Tj ET Q q 0 0 0 rg BT 321.71 172.45 Td (Section7.85 ) Tj ET Q q 0 0 0 rg BT 374.09 172.45 Td (of ) Tj ET Q q 0 0 0 rg BT 384.80 172.45 Td (the ) Tj ET Q q 0 0 0 rg BT 399.41 172.45 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 430.12 172.45 Td (Business ) Tj ET Q q 0 0 0 rg BT 468.07 172.45 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 518.25 172.45 Td (Act, ) Tj ET Q q 0 0 0 rg BT 537.58 172.45 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.45 Td (would ) Tj ET Q q 0 0 0 rg BT 77.50 160.45 Td (make ) Tj ET Q q 0 0 0 rg BT 101.66 160.45 Td (it ) Tj ET Q q 0 0 0 rg BT 109.71 160.45 Td (more ) Tj ET Q q 0 0 0 rg BT 132.76 160.45 Td (dif) Tj ET Q q 0 0 0 rg BT 143.69 160.45 Td (ficult ) Tj ET Q q 0 0 0 rg BT 167.29 160.45 Td (for ) Tj ET Q q 0 0 0 rg BT 181.45 160.45 Td (another ) Tj ET Q q 0 0 0 rg BT 213.94 160.45 Td (party ) Tj ET Q q 0 0 0 rg BT 236.98 160.45 Td (to ) Tj ET Q q 0 0 0 rg BT 247.26 160.45 Td (acquire ) Tj ET Q q 0 0 0 rg BT 279.18 160.45 Td (us ) Tj ET Q q 0 0 0 rg BT 290.58 160.45 Td (without ) Tj ET Q q 0 0 0 rg BT 323.63 160.45 Td (the ) Tj ET Q q 0 0 0 rg BT 338.35 160.45 Td (approval ) Tj ET Q q 0 0 0 rg BT 375.83 160.45 Td (of ) Tj ET Q q 0 0 0 rg BT 386.67 160.45 Td (our ) Tj ET Q q 0 0 0 rg BT 402.50 160.45 Td (board ) Tj ET Q q 0 0 0 rg BT 427.76 160.45 Td (of ) Tj ET Q q 0 0 0 rg BT 438.59 160.45 Td (directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.45 Td (The ) Tj ET Q q 0 0 0 rg BT 68.32 143.45 Td (ability ) Tj ET Q q 0 0 0 rg BT 96.65 143.45 Td (of ) Tj ET Q q 0 0 0 rg BT 107.75 143.45 Td (a ) Tj ET Q q 0 0 0 rg BT 114.96 143.45 Td (third ) Tj ET Q q 0 0 0 rg BT 136.62 143.45 Td (party ) Tj ET Q q 0 0 0 rg BT 159.94 143.45 Td (to ) Tj ET Q q 0 0 0 rg BT 170.49 143.45 Td (acquire ) Tj ET Q q 0 0 0 rg BT 202.69 143.45 Td (us ) Tj ET Q q 0 0 0 rg BT 214.36 143.45 Td (is ) Tj ET Q q 0 0 0 rg BT 223.80 143.45 Td (also ) Tj ET Q q 0 0 0 rg BT 242.68 143.45 Td (limited ) Tj ET Q q 0 0 0 rg BT 273.78 143.45 Td (under ) Tj ET Q q 0 0 0 rg BT 299.33 143.45 Td (applicable ) Tj ET Q q 0 0 0 rg BT 343.19 143.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 378.18 143.45 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 427.69 143.45 Td (The ) Tj ET Q q 0 0 0 rg BT 446.01 143.45 Td (BHC ) Tj ET Q q 0 0 0 rg BT 468.73 143.45 Td (Act ) Tj ET Q q 0 0 0 rg BT 485.94 143.45 Td (requires ) Tj ET Q q 0 0 0 rg BT 520.92 143.45 Td (any ) Tj ET Q q 0 0 0 rg BT 538.13 143.45 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 131.45 Td (holding ) Tj ET Q q 0 0 0 rg BT 83.00 131.45 Td (company ) Tj ET Q q 0 0 0 rg BT 126.54 131.45 Td (\(as ) Tj ET Q q 0 0 0 rg BT 140.65 131.45 Td (defined ) Tj ET Q q 0 0 0 rg BT 173.08 131.45 Td (in ) Tj ET Q q 0 0 0 rg BT 183.31 131.45 Td (the ) Tj ET Q q 0 0 0 rg BT 197.97 131.45 Td (BHC ) Tj ET Q q 0 0 0 rg BT 220.44 131.45 Td (Act\) ) Tj ET Q q 0 0 0 rg BT 240.65 131.45 Td (to ) Tj ET Q q 0 0 0 rg BT 250.88 131.45 Td (obtain ) Tj ET Q q 0 0 0 rg BT 278.32 131.45 Td (the ) Tj ET Q q 0 0 0 rg BT 292.98 131.45 Td (approval ) Tj ET Q q 0 0 0 rg BT 330.41 131.45 Td (of ) Tj ET Q q 0 0 0 rg BT 341.19 131.45 Td (the ) Tj ET Q q 0 0 0 rg BT 355.85 131.45 Td (Federal ) Tj ET Q q 0 0 0 rg BT 388.28 131.45 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 422.94 131.45 Td (prior ) Tj ET Q q 0 0 0 rg BT 444.82 131.45 Td (to ) Tj ET Q q 0 0 0 rg BT 455.05 131.45 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 495.26 131.45 Td (more ) Tj ET Q q 0 0 0 rg BT 518.25 131.45 Td (than ) Tj ET Q q 0 0 0 rg BT 537.91 131.45 Td (5% ) Tj ET Q q 0 0 0 rg BT 553.69 131.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 119.45 Td (our ) Tj ET Q q 0 0 0 rg BT 65.50 119.45 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 114.34 119.45 Td (common ) Tj ET Q q 0 0 0 rg BT 151.51 119.45 Td (stock. ) Tj ET Q q 0 0 0 rg BT 176.81 119.45 Td (Any ) Tj ET Q q 0 0 0 rg BT 196.20 119.45 Td (person ) Tj ET Q q 0 0 0 rg BT 225.03 119.45 Td (other ) Tj ET Q q 0 0 0 rg BT 247.75 119.45 Td (than ) Tj ET Q q 0 0 0 rg BT 267.14 119.45 Td (a ) Tj ET Q q 0 0 0 rg BT 273.75 119.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 295.36 119.45 Td (holding ) Tj ET Q q 0 0 0 rg BT 328.09 119.45 Td (company ) Tj ET Q q 0 0 0 rg BT 366.92 119.45 Td (is ) Tj ET Q q 0 0 0 rg BT 375.76 119.45 Td (required ) Tj ET Q q 0 0 0 rg BT 411.25 119.45 Td (to ) Tj ET Q q 0 0 0 rg BT 421.20 119.45 Td (obtain ) Tj ET Q q 0 0 0 rg BT 448.36 119.45 Td (prior ) Tj ET Q q 0 0 0 rg BT 469.97 119.45 Td (approval ) Tj ET Q q 0 0 0 rg BT 507.13 119.45 Td (of ) Tj ET Q q 0 0 0 rg BT 517.63 119.45 Td (the ) Tj ET Q q 0 0 0 rg BT 532.02 119.45 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.45 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 84.51 107.45 Td (to ) Tj ET Q q 0 0 0 rg BT 94.59 107.45 Td (acquire ) Tj ET Q q 0 0 0 rg BT 126.31 107.45 Td (10% ) Tj ET Q q 0 0 0 rg BT 146.94 107.45 Td (or ) Tj ET Q q 0 0 0 rg BT 157.58 107.45 Td (more ) Tj ET Q q 0 0 0 rg BT 180.42 107.45 Td (of ) Tj ET Q q 0 0 0 rg BT 191.06 107.45 Td (our ) Tj ET Q q 0 0 0 rg BT 206.69 107.45 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 255.65 107.45 Td (common ) Tj ET Q q 0 0 0 rg BT 292.95 107.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 316.36 107.45 Td (under ) Tj ET Q q 0 0 0 rg BT 341.43 107.45 Td (the ) Tj ET Q q 0 0 0 rg BT 355.95 107.45 Td (Change ) Tj ET Q q 0 0 0 rg BT 388.79 107.45 Td (in ) Tj ET Q q 0 0 0 rg BT 398.87 107.45 Td (Bank ) Tj ET Q q 0 0 0 rg BT 422.28 107.45 Td (Control ) Tj ET Q q 0 0 0 rg BT 454.63 107.45 Td (Act ) Tj ET Q q 0 0 0 rg BT 471.37 107.45 Td (of ) Tj ET Q q 0 0 0 rg BT 482.00 107.45 Td (1978. ) Tj ET Q q 0 0 0 rg BT 506.30 107.45 Td (Any ) Tj ET Q q 0 0 0 rg BT 525.82 107.45 Td (holder ) Tj ET Q q 0 0 0 rg BT 553.67 107.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.45 Td (25% ) Tj ET Q q 0 0 0 rg BT 71.17 95.45 Td (or ) Tj ET Q q 0 0 0 rg BT 82.33 95.45 Td (more ) Tj ET Q q 0 0 0 rg BT 105.71 95.45 Td (of ) Tj ET Q q 0 0 0 rg BT 116.88 95.45 Td (our ) Tj ET Q q 0 0 0 rg BT 133.05 95.45 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 182.55 95.45 Td (common ) Tj ET Q q 0 0 0 rg BT 220.38 95.45 Td (stock, ) Tj ET Q q 0 0 0 rg BT 246.82 95.45 Td (other ) Tj ET Q q 0 0 0 rg BT 270.21 95.45 Td (than ) Tj ET Q q 0 0 0 rg BT 290.26 95.45 Td (an ) Tj ET Q q 0 0 0 rg BT 302.53 95.45 Td (individual, ) Tj ET Q q 0 0 0 rg BT 348.42 95.45 Td (is ) Tj ET Q q 0 0 0 rg BT 357.93 95.45 Td (subject ) Tj ET Q q 0 0 0 rg BT 389.09 95.45 Td (to ) Tj ET Q q 0 0 0 rg BT 399.70 95.45 Td (regulation ) Tj ET Q q 0 0 0 rg BT 443.08 95.45 Td (as ) Tj ET Q q 0 0 0 rg BT 454.25 95.45 Td (a ) Tj ET Q q 0 0 0 rg BT 461.52 95.45 Td ("bank ) Tj ET Q q 0 0 0 rg BT 487.88 95.45 Td (holding ) Tj ET Q q 0 0 0 rg BT 521.27 95.45 Td (company" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 83.45 Td (under ) Tj ET Q q 0 0 0 rg BT 75.82 83.45 Td (the ) Tj ET Q q 0 0 0 rg BT 91.10 83.45 Td (BHC ) Tj ET Q q 0 0 0 rg BT 114.04 83.45 Td (Act. ) Tj ET Q q 0 0 0 rg BT 134.03 83.45 Td (For ) Tj ET Q q 0 0 0 rg BT 150.98 83.45 Td (purposes ) Tj ET Q q 0 0 0 rg BT 189.59 83.45 Td (of ) Tj ET Q q 0 0 0 rg BT 200.97 83.45 Td (calculating ) Tj ET Q q 0 0 0 rg BT 247.90 83.45 Td (ownership ) Tj ET Q q 0 0 0 rg BT 292.61 83.45 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 336.78 83.45 Td (under ) Tj ET Q q 0 0 0 rg BT 362.60 83.45 Td (these ) Tj ET Q q 0 0 0 rg BT 386.20 83.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 421.48 83.45 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 471.46 83.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 493.96 83.45 Td (regulators ) Tj ET Q q 0 0 0 rg BT 537.00 83.45 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 71.45 Td (likely ) Tj ET Q q 0 0 0 rg BT 75.90 71.45 Td (at ) Tj ET Q q 0 0 0 rg BT 86.25 71.45 Td (least ) Tj ET Q q 0 0 0 rg BT 107.71 71.45 Td (take ) Tj ET Q q 0 0 0 rg BT 127.49 71.45 Td (the ) Tj ET Q q 0 0 0 rg BT 142.84 71.45 Td (position ) Tj ET Q q 0 0 0 rg BT 178.19 71.45 Td (that ) Tj ET Q q 0 0 0 rg BT 196.32 71.45 Td (the ) Tj ET Q q 0 0 0 rg BT 211.67 71.45 Td (minimum ) Tj ET Q q 0 0 0 rg BT 253.69 71.45 Td (number ) Tj ET Q q 0 0 0 rg BT 287.36 71.45 Td (of ) Tj ET Q q 0 0 0 rg BT 298.82 71.45 Td (shares, ) Tj ET Q q 0 0 0 rg BT 329.44 71.45 Td (and ) Tj ET Q q 0 0 0 rg BT 347.01 71.45 Td (could ) Tj ET Q q 0 0 0 rg BT 372.36 71.45 Td (take ) Tj ET Q q 0 0 0 rg BT 392.14 71.45 Td (the ) Tj ET Q q 0 0 0 rg BT 407.49 71.45 Td (position ) Tj ET Q q 0 0 0 rg BT 442.85 71.45 Td (that ) Tj ET Q q 0 0 0 rg BT 460.97 71.45 Td (the ) Tj ET Q q 0 0 0 rg BT 476.32 71.45 Td (maximum ) Tj ET Q q 0 0 0 rg BT 520.00 71.45 Td (number ) Tj ET Q q 0 0 0 rg BT 553.68 71.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 59.45 Td (shares, ) Tj ET Q q 0 0 0 rg BT 80.00 59.45 Td (of ) Tj ET Q q 0 0 0 rg BT 90.66 59.45 Td (W) Tj ET Q q 0 0 0 rg BT 99.70 59.45 Td (intrust ) Tj ET Q q 0 0 0 rg BT 127.77 59.45 Td (common ) Tj ET Q q 0 0 0 rg BT 165.28 59.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 188.90 59.45 Td (that ) Tj ET Q q 0 0 0 rg BT 206.41 59.45 Td (a ) Tj ET Q q 0 0 0 rg BT 213.36 59.45 Td (holder ) Tj ET Q q 0 0 0 rg BT 241.42 59.45 Td (is ) Tj ET Q q 0 0 0 rg BT 250.60 59.45 Td (entitled ) Tj ET Q q 0 0 0 rg BT 283.10 59.45 Td (to ) Tj ET Q q 0 0 0 rg BT 293.39 59.45 Td (receive ) Tj ET Q q 0 0 0 rg BT 324.76 59.45 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 361.72 59.45 Td (to ) Tj ET Q q 0 0 0 rg BT 372.01 59.45 Td (securities ) Tj ET Q q 0 0 0 rg BT 412.28 59.45 Td (convertible ) Tj ET Q q 0 0 0 rg BT 459.77 59.45 Td (into ) Tj ET Q q 0 0 0 rg BT 477.84 59.45 Td (or ) Tj ET Q q 0 0 0 rg BT 488.69 59.45 Td (settled ) Tj ET Q q 0 0 0 rg BT 517.30 59.45 Td (in ) Tj ET Q q 0 0 0 rg BT 527.41 59.45 Td (W) Tj ET Q q 0 0 0 rg BT 536.45 59.45 Td (intrust ) Tj ET Q endstream endobj 63 0 obj <> endobj 64 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (31) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.29 742.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 113.19 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 153.26 742.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 189.99 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.90 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 208.94 742.10 Td (intrust's ) Tj ET Q q 0 0 0 rg BT 242.48 742.10 Td (warrants ) Tj ET Q q 0 0 0 rg BT 279.20 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.27 742.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 326.94 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 335.98 742.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 363.83 742.10 Td (common ) Tj ET Q q 0 0 0 rg BT 401.12 742.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 424.52 742.10 Td (held ) Tj ET Q q 0 0 0 rg BT 444.03 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 456.32 742.10 Td (such ) Tj ET Q q 0 0 0 rg BT 476.95 742.10 Td (holder) Tj ET Q q 0 0 0 rg BT 502.09 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 506.89 742.10 Td (must ) Tj ET Q q 0 0 0 rg BT 528.63 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 540.36 742.10 Td (taken ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (into ) Tj ET Q q 0 0 0 rg BT 68.06 730.10 Td (account ) Tj ET Q q 0 0 0 rg BT 101.65 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.93 730.10 Td (calculating ) Tj ET Q q 0 0 0 rg BT 158.30 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 165.23 730.10 Td (shareholder's ) Tj ET Q q 0 0 0 rg BT 220.07 730.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 261.44 730.10 Td (holdings ) Tj ET Q q 0 0 0 rg BT 298.38 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.03 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 318.07 730.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 346.13 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 383.62 730.10 Td (stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 713.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.21 713.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 120.21 713.10 Td (may ) Tj ET Q q 0 0 0 rg BT 139.77 713.10 Td (have ) Tj ET Q q 0 0 0 rg BT 160.98 713.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.53 713.10 Td (ef) Tj ET Q q 0 0 0 rg BT 183.12 713.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 200.43 713.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.10 713.10 Td (discouraging ) Tj ET Q q 0 0 0 rg BT 265.09 713.10 Td (a ) Tj ET Q q 0 0 0 rg BT 271.86 713.10 Td (future ) Tj ET Q q 0 0 0 rg BT 298.07 713.10 Td (takeover ) Tj ET Q q 0 0 0 rg BT 334.83 713.10 Td (attempt ) Tj ET Q q 0 0 0 rg BT 367.15 713.10 Td (that ) Tj ET Q q 0 0 0 rg BT 384.48 713.10 Td (is ) Tj ET Q q 0 0 0 rg BT 393.49 713.10 Td (not ) Tj ET Q q 0 0 0 rg BT 408.60 713.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 448.14 713.10 Td (by ) Tj ET Q q 0 0 0 rg BT 460.47 713.10 Td (our ) Tj ET Q q 0 0 0 rg BT 476.14 713.10 Td (board ) Tj ET Q q 0 0 0 rg BT 501.24 713.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.90 713.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 549.22 713.10 Td (but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 701.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.13 701.10 Td (our ) Tj ET Q q 0 0 0 rg BT 93.15 701.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 136.39 701.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 189.62 701.10 Td (may ) Tj ET Q q 0 0 0 rg BT 209.53 701.10 Td (deem ) Tj ET Q q 0 0 0 rg BT 233.87 701.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.34 701.10 Td (be ) Tj ET Q q 0 0 0 rg BT 256.47 701.10 Td (in ) Tj ET Q q 0 0 0 rg BT 266.94 701.10 Td (their ) Tj ET Q q 0 0 0 rg BT 287.95 701.10 Td (best ) Tj ET Q q 0 0 0 rg BT 306.75 701.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 342.77 701.10 Td (or ) Tj ET Q q 0 0 0 rg BT 353.79 701.10 Td (in ) Tj ET Q q 0 0 0 rg BT 364.26 701.10 Td (which ) Tj ET Q q 0 0 0 rg BT 391.39 701.10 Td (our ) Tj ET Q q 0 0 0 rg BT 407.41 701.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 460.63 701.10 Td (may ) Tj ET Q q 0 0 0 rg BT 480.54 701.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 512.09 701.10 Td (a ) Tj ET Q q 0 0 0 rg BT 519.22 701.10 Td (substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 689.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 89.53 689.10 Td (for ) Tj ET Q q 0 0 0 rg BT 104.62 689.10 Td (their ) Tj ET Q q 0 0 0 rg BT 126.38 689.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 154.80 689.10 Td (over ) Tj ET Q q 0 0 0 rg BT 175.99 689.10 Td (then-current ) Tj ET Q q 0 0 0 rg BT 228.29 689.10 Td (market ) Tj ET Q q 0 0 0 rg BT 259.48 689.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 288.53 689.10 Td (As ) Tj ET Q q 0 0 0 rg BT 303.07 689.10 Td (a ) Tj ET Q q 0 0 0 rg BT 310.94 689.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 339.08 689.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 393.05 689.10 Td (who ) Tj ET Q q 0 0 0 rg BT 413.70 689.10 Td (might ) Tj ET Q q 0 0 0 rg BT 440.46 689.10 Td (desire ) Tj ET Q q 0 0 0 rg BT 467.77 689.10 Td (to ) Tj ET Q q 0 0 0 rg BT 478.98 689.10 Td (participate ) Tj ET Q q 0 0 0 rg BT 524.60 689.10 Td (in ) Tj ET Q q 0 0 0 rg BT 535.81 689.10 Td (such ) Tj ET Q q 0 0 0 rg BT 557.57 689.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 96.45 677.10 Td (may ) Tj ET Q q 0 0 0 rg BT 116.24 677.10 Td (not ) Tj ET Q q 0 0 0 rg BT 131.59 677.10 Td (have ) Tj ET Q q 0 0 0 rg BT 153.05 677.10 Td (an ) Tj ET Q q 0 0 0 rg BT 165.06 677.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 214.30 677.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.66 677.10 Td (do ) Tj ET Q q 0 0 0 rg BT 237.23 677.10 Td (so. ) Tj ET Q q 0 0 0 rg BT 251.20 677.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 273.77 677.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 318.02 677.10 Td (will ) Tj ET Q q 0 0 0 rg BT 336.15 677.10 Td (also ) Tj ET Q q 0 0 0 rg BT 354.84 677.10 Td (render ) Tj ET Q q 0 0 0 rg BT 382.95 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.74 677.10 Td (removal ) Tj ET Q q 0 0 0 rg BT 433.08 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.99 677.10 Td (our ) Tj ET Q q 0 0 0 rg BT 459.89 677.10 Td (current ) Tj ET Q q 0 0 0 rg BT 490.78 677.10 Td (board ) Tj ET Q q 0 0 0 rg BT 516.13 677.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.03 677.10 Td (directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 665.10 Td (management ) Tj ET Q q 0 0 0 rg BT 114.42 665.10 Td (more ) Tj ET Q q 0 0 0 rg BT 137.47 665.10 Td (dif) Tj ET Q q 0 0 0 rg BT 148.39 665.10 Td (ficult.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 638.70 Td (Risks Related to Our) Tj ET Q q 0 0 0 rg BT 139.54 638.70 Td ( Regulatory Envir) Tj ET Q q 0 0 0 rg BT 216.58 638.70 Td (onment) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 616.30 Td (If ) Tj ET Q q 0 0 0 rg BT 59.72 616.30 Td (we ) Tj ET Q q 0 0 0 rg BT 73.33 616.30 Td (fail ) Tj ET Q q 0 0 0 rg BT 89.72 616.30 Td (to ) Tj ET Q q 0 0 0 rg BT 100.00 616.30 Td (meet ) Tj ET Q q 0 0 0 rg BT 121.93 616.30 Td (our ) Tj ET Q q 0 0 0 rg BT 138.88 616.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 184.16 616.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 214.43 616.30 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 242.77 616.30 Td (we ) Tj ET Q q 0 0 0 rg BT 256.38 616.30 Td (may ) Tj ET Q q 0 0 0 rg BT 276.10 616.30 Td (be ) Tj ET Q q 0 0 0 rg BT 288.04 616.30 Td (forced ) Tj ET Q q 0 0 0 rg BT 316.64 616.30 Td (to ) Tj ET Q q 0 0 0 rg BT 326.91 616.30 Td (raise ) Tj ET Q q 0 0 0 rg BT 349.41 616.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 379.69 616.30 Td (or ) Tj ET Q q 0 0 0 rg BT 391.08 616.30 Td (sell ) Tj ET Q q 0 0 0 rg BT 407.47 616.30 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 599.30 Td (As ) Tj ET Q q 0 0 0 rg BT 63.21 599.30 Td (a ) Tj ET Q q 0 0 0 rg BT 69.74 599.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 104.06 599.30 Td (institution, ) Tj ET Q q 0 0 0 rg BT 149.21 599.30 Td (we ) Tj ET Q q 0 0 0 rg BT 162.97 599.30 Td (are ) Tj ET Q q 0 0 0 rg BT 177.27 599.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 207.70 599.30 Td (to ) Tj ET Q q 0 0 0 rg BT 217.57 599.30 Td (regulations ) Tj ET Q q 0 0 0 rg BT 264.10 599.30 Td (that ) Tj ET Q q 0 0 0 rg BT 281.19 599.30 Td (require ) Tj ET Q q 0 0 0 rg BT 311.60 599.30 Td (us ) Tj ET Q q 0 0 0 rg BT 322.59 599.30 Td (to ) Tj ET Q q 0 0 0 rg BT 332.47 599.30 Td (maintain ) Tj ET Q q 0 0 0 rg BT 369.55 599.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 398.85 599.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 427.60 599.30 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 454.41 599.30 Td (such ) Tj ET Q q 0 0 0 rg BT 474.84 599.30 Td (as ) Tj ET Q q 0 0 0 rg BT 485.26 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 499.58 599.30 Td (ratio ) Tj ET Q q 0 0 0 rg BT 520.00 599.30 Td (of ) Tj ET Q q 0 0 0 rg BT 530.42 599.30 Td (our ) Tj ET Q q 0 0 0 rg BT 545.70 599.30 Td (T) Tj ET Q q 0 0 0 rg BT 551.45 599.30 Td (ier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 587.30 Td (1 ) Tj ET Q q 0 0 0 rg BT 57.34 587.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 86.33 587.30 Td (to ) Tj ET Q q 0 0 0 rg BT 96.45 587.30 Td (our ) Tj ET Q q 0 0 0 rg BT 112.12 587.30 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 155.56 587.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 183.74 587.30 Td (If ) Tj ET Q q 0 0 0 rg BT 192.74 587.30 Td (our ) Tj ET Q q 0 0 0 rg BT 208.41 587.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 251.84 587.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 280.83 587.30 Td (ratios ) Tj ET Q q 0 0 0 rg BT 305.39 587.30 Td (decline, ) Tj ET Q q 0 0 0 rg BT 339.11 587.30 Td (as ) Tj ET Q q 0 0 0 rg BT 349.78 587.30 Td (a ) Tj ET Q q 0 0 0 rg BT 356.56 587.30 Td (result ) Tj ET Q q 0 0 0 rg BT 381.12 587.30 Td (of ) Tj ET Q q 0 0 0 rg BT 391.79 587.30 Td (decreases ) Tj ET Q q 0 0 0 rg BT 432.43 587.30 Td (in ) Tj ET Q q 0 0 0 rg BT 442.55 587.30 Td (the ) Tj ET Q q 0 0 0 rg BT 457.11 587.30 Td (value ) Tj ET Q q 0 0 0 rg BT 481.11 587.30 Td (of ) Tj ET Q q 0 0 0 rg BT 491.78 587.30 Td (our ) Tj ET Q q 0 0 0 rg BT 507.45 587.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.01 587.30 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 575.30 Td (or ) Tj ET Q q 0 0 0 rg BT 60.47 575.30 Td (otherwise, ) Tj ET Q q 0 0 0 rg BT 103.99 575.30 Td (we ) Tj ET Q q 0 0 0 rg BT 117.79 575.30 Td (will ) Tj ET Q q 0 0 0 rg BT 135.49 575.30 Td (be ) Tj ET Q q 0 0 0 rg BT 147.08 575.30 Td (required ) Tj ET Q q 0 0 0 rg BT 182.53 575.30 Td (to ) Tj ET Q q 0 0 0 rg BT 192.45 575.30 Td (improve ) Tj ET Q q 0 0 0 rg BT 227.92 575.30 Td (such ) Tj ET Q q 0 0 0 rg BT 248.39 575.30 Td (ratios ) Tj ET Q q 0 0 0 rg BT 272.75 575.30 Td (by ) Tj ET Q q 0 0 0 rg BT 284.90 575.30 Td (either ) Tj ET Q q 0 0 0 rg BT 309.80 575.30 Td (raising ) Tj ET Q q 0 0 0 rg BT 339.16 575.30 Td (additional ) Tj ET Q q 0 0 0 rg BT 381.29 575.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 410.09 575.30 Td (or ) Tj ET Q q 0 0 0 rg BT 420.56 575.30 Td (by ) Tj ET Q q 0 0 0 rg BT 432.70 575.30 Td (disposing ) Tj ET Q q 0 0 0 rg BT 473.19 575.30 Td (of ) Tj ET Q q 0 0 0 rg BT 483.66 575.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 511.63 575.30 Td (If ) Tj ET Q q 0 0 0 rg BT 520.43 575.30 Td (we ) Tj ET Q q 0 0 0 rg BT 534.24 575.30 Td (choose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 563.30 Td (to ) Tj ET Q q 0 0 0 rg BT 60.34 563.30 Td (dispose ) Tj ET Q q 0 0 0 rg BT 92.90 563.30 Td (of ) Tj ET Q q 0 0 0 rg BT 103.80 563.30 Td (assets, ) Tj ET Q q 0 0 0 rg BT 132.19 563.30 Td (we ) Tj ET Q q 0 0 0 rg BT 146.41 563.30 Td (cannot ) Tj ET Q q 0 0 0 rg BT 175.63 563.30 Td (be ) Tj ET Q q 0 0 0 rg BT 187.63 563.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 217.39 563.30 Td (that ) Tj ET Q q 0 0 0 rg BT 234.95 563.30 Td (we ) Tj ET Q q 0 0 0 rg BT 249.17 563.30 Td (will ) Tj ET Q q 0 0 0 rg BT 267.29 563.30 Td (be ) Tj ET Q q 0 0 0 rg BT 279.29 563.30 Td (able ) Tj ET Q q 0 0 0 rg BT 298.51 563.30 Td (to ) Tj ET Q q 0 0 0 rg BT 308.85 563.30 Td (do ) Tj ET Q q 0 0 0 rg BT 321.42 563.30 Td (so ) Tj ET Q q 0 0 0 rg BT 332.87 563.30 Td (at ) Tj ET Q q 0 0 0 rg BT 342.65 563.30 Td (prices ) Tj ET Q q 0 0 0 rg BT 369.09 563.30 Td (that ) Tj ET Q q 0 0 0 rg BT 386.65 563.30 Td (we ) Tj ET Q q 0 0 0 rg BT 400.87 563.30 Td (believe ) Tj ET Q q 0 0 0 rg BT 432.30 563.30 Td (to ) Tj ET Q q 0 0 0 rg BT 442.64 563.30 Td (be ) Tj ET Q q 0 0 0 rg BT 454.65 563.30 Td (appropriate, ) Tj ET Q q 0 0 0 rg BT 505.24 563.30 Td (and ) Tj ET Q q 0 0 0 rg BT 522.24 563.30 Td (our ) Tj ET Q q 0 0 0 rg BT 538.13 563.30 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 551.30 Td (operating ) Tj ET Q q 0 0 0 rg BT 89.50 551.30 Td (results ) Tj ET Q q 0 0 0 rg BT 117.34 551.30 Td (could ) Tj ET Q q 0 0 0 rg BT 141.29 551.30 Td (be ) Tj ET Q q 0 0 0 rg BT 152.46 551.30 Td (negatively ) Tj ET Q q 0 0 0 rg BT 195.84 551.30 Td (af) Tj ET Q q 0 0 0 rg BT 203.43 551.30 Td (fected. ) Tj ET Q q 0 0 0 rg BT 232.08 551.30 Td (If ) Tj ET Q q 0 0 0 rg BT 240.48 551.30 Td (we ) Tj ET Q q 0 0 0 rg BT 253.87 551.30 Td (choose ) Tj ET Q q 0 0 0 rg BT 283.37 551.30 Td (to ) Tj ET Q q 0 0 0 rg BT 292.88 551.30 Td (raise ) Tj ET Q q 0 0 0 rg BT 313.49 551.30 Td (additional ) Tj ET Q q 0 0 0 rg BT 355.21 551.30 Td (capital, ) Tj ET Q q 0 0 0 rg BT 386.10 551.30 Td (we ) Tj ET Q q 0 0 0 rg BT 399.49 551.30 Td (may ) Tj ET Q q 0 0 0 rg BT 418.44 551.30 Td (accomplish ) Tj ET Q q 0 0 0 rg BT 465.71 551.30 Td (this ) Tj ET Q q 0 0 0 rg BT 481.89 551.30 Td (by ) Tj ET Q q 0 0 0 rg BT 493.63 551.30 Td (selling ) Tj ET Q q 0 0 0 rg BT 522.02 551.30 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 539.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.86 539.30 Td (of ) Tj ET Q q 0 0 0 rg BT 89.06 539.30 Td (common ) Tj ET Q q 0 0 0 rg BT 126.93 539.30 Td (stock, ) Tj ET Q q 0 0 0 rg BT 153.41 539.30 Td (or ) Tj ET Q q 0 0 0 rg BT 164.61 539.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 205.24 539.30 Td (convertible ) Tj ET Q q 0 0 0 rg BT 253.10 539.30 Td (into ) Tj ET Q q 0 0 0 rg BT 271.52 539.30 Td (or ) Tj ET Q q 0 0 0 rg BT 282.72 539.30 Td (exchangeable ) Tj ET Q q 0 0 0 rg BT 340.00 539.30 Td (for ) Tj ET Q q 0 0 0 rg BT 354.54 539.30 Td (common ) Tj ET Q q 0 0 0 rg BT 392.40 539.30 Td (stock, ) Tj ET Q q 0 0 0 rg BT 418.88 539.30 Td (which ) Tj ET Q q 0 0 0 rg BT 446.19 539.30 Td (could ) Tj ET Q q 0 0 0 rg BT 471.28 539.30 Td (significantly ) Tj ET Q q 0 0 0 rg BT 524.14 539.30 Td (dilute ) Tj ET Q q 0 0 0 rg BT 549.79 539.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 527.30 Td (ownership ) Tj ET Q q 0 0 0 rg BT 94.09 527.30 Td (percentage ) Tj ET Q q 0 0 0 rg BT 139.82 527.30 Td (of ) Tj ET Q q 0 0 0 rg BT 150.58 527.30 Td (holders ) Tj ET Q q 0 0 0 rg BT 182.44 527.30 Td (of ) Tj ET Q q 0 0 0 rg BT 193.20 527.30 Td (our ) Tj ET Q q 0 0 0 rg BT 208.96 527.30 Td (common ) Tj ET Q q 0 0 0 rg BT 246.38 527.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 269.92 527.30 Td (and ) Tj ET Q q 0 0 0 rg BT 286.79 527.30 Td (cause ) Tj ET Q q 0 0 0 rg BT 311.42 527.30 Td (the ) Tj ET Q q 0 0 0 rg BT 326.07 527.30 Td (market ) Tj ET Q q 0 0 0 rg BT 356.26 527.30 Td (price ) Tj ET Q q 0 0 0 rg BT 378.67 527.30 Td (of ) Tj ET Q q 0 0 0 rg BT 389.43 527.30 Td (our ) Tj ET Q q 0 0 0 rg BT 405.19 527.30 Td (common ) Tj ET Q q 0 0 0 rg BT 442.61 527.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 466.15 527.30 Td (to ) Tj ET Q q 0 0 0 rg BT 476.35 527.30 Td (decline. ) Tj ET Q q 0 0 0 rg BT 509.62 527.30 Td (Additionally) Tj ET Q q 0 0 0 rg BT 559.52 527.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 515.30 Td (events ) Tj ET Q q 0 0 0 rg BT 78.35 515.30 Td (or ) Tj ET Q q 0 0 0 rg BT 89.49 515.30 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 148.93 515.30 Td (in ) Tj ET Q q 0 0 0 rg BT 159.51 515.30 Td (the ) Tj ET Q q 0 0 0 rg BT 174.53 515.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 203.99 515.30 Td (markets ) Tj ET Q q 0 0 0 rg BT 238.45 515.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 278.45 515.30 Td (may ) Tj ET Q q 0 0 0 rg BT 298.48 515.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 334.03 515.30 Td (our ) Tj ET Q q 0 0 0 rg BT 350.17 515.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 379.62 515.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 402.43 515.30 Td (and ) Tj ET Q q 0 0 0 rg BT 419.67 515.30 Td (impair ) Tj ET Q q 0 0 0 rg BT 448.58 515.30 Td (our ) Tj ET Q q 0 0 0 rg BT 464.71 515.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 493.07 515.30 Td (to ) Tj ET Q q 0 0 0 rg BT 503.65 515.30 Td (raise ) Tj ET Q q 0 0 0 rg BT 525.33 515.30 Td (capital ) Tj ET Q q 0 0 0 rg BT 554.79 515.30 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 503.30 Td (any ) Tj ET Q q 0 0 0 rg BT 66.94 503.30 Td (given ) Tj ET Q q 0 0 0 rg BT 91.66 503.30 Td (time.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 485.90 Td (If our credit rating is lowered, our financing costs could increase.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 468.90 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 468.90 Td (e ) Tj ET Q q 0 0 0 rg BT 65.58 468.90 Td (have ) Tj ET Q q 0 0 0 rg BT 86.95 468.90 Td (been ) Tj ET Q q 0 0 0 rg BT 108.33 468.90 Td (rated ) Tj ET Q q 0 0 0 rg BT 130.82 468.90 Td (by ) Tj ET Q q 0 0 0 rg BT 143.32 468.90 Td (Fitch ) Tj ET Q q 0 0 0 rg BT 166.37 468.90 Td (Ratings ) Tj ET Q q 0 0 0 rg BT 199.43 468.90 Td (as ) Tj ET Q q 0 0 0 rg BT 210.26 468.90 Td (BBB. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.90 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.30 451.90 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 137.14 451.90 Td (is ) Tj ET Q q 0 0 0 rg BT 146.56 451.90 Td (not ) Tj ET Q q 0 0 0 rg BT 162.08 451.90 Td (fixed ) Tj ET Q q 0 0 0 rg BT 185.37 451.90 Td (and ) Tj ET Q q 0 0 0 rg BT 202.56 451.90 Td (should ) Tj ET Q q 0 0 0 rg BT 231.98 451.90 Td (be ) Tj ET Q q 0 0 0 rg BT 244.16 451.90 Td (expected ) Tj ET Q q 0 0 0 rg BT 282.44 451.90 Td (to ) Tj ET Q q 0 0 0 rg BT 292.96 451.90 Td (change ) Tj ET Q q 0 0 0 rg BT 324.03 451.90 Td (over ) Tj ET Q q 0 0 0 rg BT 344.54 451.90 Td (time ) Tj ET Q q 0 0 0 rg BT 365.06 451.90 Td (as ) Tj ET Q q 0 0 0 rg BT 376.14 451.90 Td (a ) Tj ET Q q 0 0 0 rg BT 383.32 451.90 Td (result ) Tj ET Q q 0 0 0 rg BT 408.29 451.90 Td (of ) Tj ET Q q 0 0 0 rg BT 419.36 451.90 Td (company ) Tj ET Q q 0 0 0 rg BT 458.76 451.90 Td (performance ) Tj ET Q q 0 0 0 rg BT 512.03 451.90 Td (and ) Tj ET Q q 0 0 0 rg BT 529.22 451.90 Td (industry ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.90 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 96.63 439.90 Td (W) Tj ET Q q 0 0 0 rg BT 105.27 439.90 Td (e ) Tj ET Q q 0 0 0 rg BT 112.37 439.90 Td (cannot ) Tj ET Q q 0 0 0 rg BT 141.69 439.90 Td (give ) Tj ET Q q 0 0 0 rg BT 161.57 439.90 Td (any ) Tj ET Q q 0 0 0 rg BT 178.67 439.90 Td (assurances ) Tj ET Q q 0 0 0 rg BT 224.09 439.90 Td (that ) Tj ET Q q 0 0 0 rg BT 241.75 439.90 Td (our ) Tj ET Q q 0 0 0 rg BT 257.74 439.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 283.17 439.90 Td (ratings ) Tj ET Q q 0 0 0 rg BT 313.05 439.90 Td (will ) Tj ET Q q 0 0 0 rg BT 331.27 439.90 Td (remain ) Tj ET Q q 0 0 0 rg BT 361.69 439.90 Td (at ) Tj ET Q q 0 0 0 rg BT 371.57 439.90 Td (current ) Tj ET Q q 0 0 0 rg BT 402.55 439.90 Td (levels, ) Tj ET Q q 0 0 0 rg BT 431.04 439.90 Td (and ) Tj ET Q q 0 0 0 rg BT 448.14 439.90 Td (it ) Tj ET Q q 0 0 0 rg BT 456.36 439.90 Td (is ) Tj ET Q q 0 0 0 rg BT 465.69 439.90 Td (possible ) Tj ET Q q 0 0 0 rg BT 501.13 439.90 Td (that ) Tj ET Q q 0 0 0 rg BT 518.79 439.90 Td (our ) Tj ET Q q 0 0 0 rg BT 534.78 439.90 Td (ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.90 Td (could ) Tj ET Q q 0 0 0 rg BT 75.13 427.90 Td (be ) Tj ET Q q 0 0 0 rg BT 87.48 427.90 Td (lowered ) Tj ET Q q 0 0 0 rg BT 122.59 427.90 Td (or ) Tj ET Q q 0 0 0 rg BT 133.83 427.90 Td (withdrawn ) Tj ET Q q 0 0 0 rg BT 179.51 427.90 Td (by ) Tj ET Q q 0 0 0 rg BT 192.42 427.90 Td (Fitch ) Tj ET Q q 0 0 0 rg BT 215.89 427.90 Td (Ratings. ) Tj ET Q q 0 0 0 rg BT 251.21 427.90 Td (Any ) Tj ET Q q 0 0 0 rg BT 271.35 427.90 Td (actual ) Tj ET Q q 0 0 0 rg BT 298.13 427.90 Td (or ) Tj ET Q q 0 0 0 rg BT 309.37 427.90 Td (threatened ) Tj ET Q q 0 0 0 rg BT 353.92 427.90 Td (downgrade ) Tj ET Q q 0 0 0 rg BT 401.26 427.90 Td (or ) Tj ET Q q 0 0 0 rg BT 412.50 427.90 Td (withdrawal ) Tj ET Q q 0 0 0 rg BT 460.39 427.90 Td (of ) Tj ET Q q 0 0 0 rg BT 471.63 427.90 Td (our ) Tj ET Q q 0 0 0 rg BT 487.87 427.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 513.55 427.90 Td (rating ) Tj ET Q q 0 0 0 rg BT 539.78 427.90 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.90 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 415.90 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 415.90 Td (our ) Tj ET Q q 0 0 0 rg BT 90.90 415.90 Td (perception ) Tj ET Q q 0 0 0 rg BT 135.61 415.90 Td (in ) Tj ET Q q 0 0 0 rg BT 145.88 415.90 Td (the ) Tj ET Q q 0 0 0 rg BT 160.60 415.90 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 211.96 415.90 Td (and ) Tj ET Q q 0 0 0 rg BT 228.90 415.90 Td (ability ) Tj ET Q q 0 0 0 rg BT 256.95 415.90 Td (to ) Tj ET Q q 0 0 0 rg BT 267.23 415.90 Td (raise ) Tj ET Q q 0 0 0 rg BT 288.60 415.90 Td (capital, ) Tj ET Q q 0 0 0 rg BT 320.25 415.90 Td (and ) Tj ET Q q 0 0 0 rg BT 337.19 415.90 Td (could ) Tj ET Q q 0 0 0 rg BT 361.91 415.90 Td (increase ) Tj ET Q q 0 0 0 rg BT 397.16 415.90 Td (our ) Tj ET Q q 0 0 0 rg BT 412.99 415.90 Td (debt ) Tj ET Q q 0 0 0 rg BT 432.71 415.90 Td (financing ) Tj ET Q q 0 0 0 rg BT 472.97 415.90 Td (costs.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 398.50 Td (Changes ) Tj ET Q q 0 0 0 rg BT 88.62 398.50 Td (in ) Tj ET Q q 0 0 0 rg BT 99.46 398.50 Td (the ) Tj ET Q q 0 0 0 rg BT 114.74 398.50 Td (United ) Tj ET Q q 0 0 0 rg BT 145.02 398.50 Td (States) Tj ET Q q 0 0 0 rg BT 172.06 398.50 Td ( ) Tj ET Q q 0 0 0 rg BT 174.56 398.50 Td (monetary ) Tj ET Q q 0 0 0 rg BT 215.94 398.50 Td (policy ) Tj ET Q q 0 0 0 rg BT 242.88 398.50 Td (may ) Tj ET Q q 0 0 0 rg BT 262.59 398.50 Td (restrict ) Tj ET Q q 0 0 0 rg BT 293.98 398.50 Td (our ) Tj ET Q q 0 0 0 rg BT 310.93 398.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 338.98 398.50 Td (to ) Tj ET Q q 0 0 0 rg BT 349.26 398.50 Td (conduct ) Tj ET Q q 0 0 0 rg BT 384.54 398.50 Td (our ) Tj ET Q q 0 0 0 rg BT 401.49 398.50 Td (business ) Tj ET Q q 0 0 0 rg BT 439.01 398.50 Td (in ) Tj ET Q q 0 0 0 rg BT 449.85 398.50 Td (a ) Tj ET Q q 0 0 0 rg BT 457.35 398.50 Td (profitable ) Tj ET Q q 0 0 0 rg BT 499.84 398.50 Td (manner) Tj ET Q q 0 0 0 rg BT 531.52 398.50 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 381.50 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.34 381.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 96.67 381.50 Td (to ) Tj ET Q q 0 0 0 rg BT 107.24 381.50 Td (profitably ) Tj ET Q q 0 0 0 rg BT 149.46 381.50 Td (operate ) Tj ET Q q 0 0 0 rg BT 181.67 381.50 Td (is ) Tj ET Q q 0 0 0 rg BT 191.12 381.50 Td (dependent, ) Tj ET Q q 0 0 0 rg BT 237.50 381.50 Td (in ) Tj ET Q q 0 0 0 rg BT 248.07 381.50 Td (part, ) Tj ET Q q 0 0 0 rg BT 268.90 381.50 Td (upon ) Tj ET Q q 0 0 0 rg BT 291.68 381.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 322.22 381.50 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 346.67 381.50 Td (policies ) Tj ET Q q 0 0 0 rg BT 380.55 381.50 Td (that ) Tj ET Q q 0 0 0 rg BT 398.33 381.50 Td (cannot ) Tj ET Q q 0 0 0 rg BT 427.78 381.50 Td (be ) Tj ET Q q 0 0 0 rg BT 440.00 381.50 Td (predicted. ) Tj ET Q q 0 0 0 rg BT 482.49 381.50 Td ( ) Tj ET Q q 0 0 0 rg BT 485.07 381.50 Td (W) Tj ET Q q 0 0 0 rg BT 493.71 381.50 Td (e ) Tj ET Q q 0 0 0 rg BT 500.93 381.50 Td (are ) Tj ET Q q 0 0 0 rg BT 515.93 381.50 Td (particularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 369.50 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 369.50 Td (fected ) Tj ET Q q 0 0 0 rg BT 84.27 369.50 Td (by ) Tj ET Q q 0 0 0 rg BT 96.52 369.50 Td (the ) Tj ET Q q 0 0 0 rg BT 110.99 369.50 Td (monetary ) Tj ET Q q 0 0 0 rg BT 151.01 369.50 Td (policies ) Tj ET Q q 0 0 0 rg BT 184.36 369.50 Td (of ) Tj ET Q q 0 0 0 rg BT 194.95 369.50 Td (the ) Tj ET Q q 0 0 0 rg BT 209.42 369.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 241.66 369.50 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 276.12 369.50 Td (Board, ) Tj ET Q q 0 0 0 rg BT 305.31 369.50 Td (which ) Tj ET Q q 0 0 0 rg BT 332.00 369.50 Td (influence ) Tj ET Q q 0 0 0 rg BT 371.46 369.50 Td (money ) Tj ET Q q 0 0 0 rg BT 400.93 369.50 Td (supply ) Tj ET Q q 0 0 0 rg BT 429.85 369.50 Td (in ) Tj ET Q q 0 0 0 rg BT 439.88 369.50 Td (the ) Tj ET Q q 0 0 0 rg BT 454.35 369.50 Td (United ) Tj ET Q q 0 0 0 rg BT 483.82 369.50 Td (States. ) Tj ET Q q 0 0 0 rg BT 512.46 369.50 Td ( ) Tj ET Q q 0 0 0 rg BT 514.22 369.50 Td (Any ) Tj ET Q q 0 0 0 rg BT 533.69 369.50 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 357.50 Td (in ) Tj ET Q q 0 0 0 rg BT 60.08 357.50 Td (the ) Tj ET Q q 0 0 0 rg BT 74.60 357.50 Td (United ) Tj ET Q q 0 0 0 rg BT 104.13 357.50 Td (States) Tj ET Q q 0 0 0 rg BT 130.60 357.50 Td ( ) Tj ET Q q 0 0 0 rg BT 132.91 357.50 Td (monetary ) Tj ET Q q 0 0 0 rg BT 172.97 357.50 Td (policy) Tj ET Q q 0 0 0 rg BT 197.32 357.50 Td (, ) Tj ET Q q 0 0 0 rg BT 202.12 357.50 Td (or ) Tj ET Q q 0 0 0 rg BT 212.76 357.50 Td (worsening ) Tj ET Q q 0 0 0 rg BT 256.72 357.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 286.78 357.50 Td (budgetary ) Tj ET Q q 0 0 0 rg BT 329.07 357.50 Td (pressures, ) Tj ET Q q 0 0 0 rg BT 371.09 357.50 Td (could ) Tj ET Q q 0 0 0 rg BT 395.61 357.50 Td (af) Tj ET Q q 0 0 0 rg BT 403.20 357.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 420.49 357.50 Td (our ) Tj ET Q q 0 0 0 rg BT 436.12 357.50 Td (access ) Tj ET Q q 0 0 0 rg BT 463.96 357.50 Td (to ) Tj ET Q q 0 0 0 rg BT 474.05 357.50 Td (capital. ) Tj ET Q q 0 0 0 rg BT 505.50 357.50 Td ( ) Tj ET Q q 0 0 0 rg BT 507.81 357.50 Td ( ) Tj ET Q q 0 0 0 rg BT 509.60 357.50 Td (Additionally) Tj ET Q q 0 0 0 rg BT 559.51 357.50 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 345.50 Td (any ) Tj ET Q q 0 0 0 rg BT 68.79 345.50 Td (trend ) Tj ET Q q 0 0 0 rg BT 93.69 345.50 Td (toward ) Tj ET Q q 0 0 0 rg BT 125.82 345.50 Td (inflation, ) Tj ET Q q 0 0 0 rg BT 166.55 345.50 Td (economic ) Tj ET Q q 0 0 0 rg BT 209.78 345.50 Td (decline, ) Tj ET Q q 0 0 0 rg BT 245.50 345.50 Td (destabilizing ) Tj ET Q q 0 0 0 rg BT 300.96 345.50 Td (of ) Tj ET Q q 0 0 0 rg BT 313.64 345.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 352.98 345.50 Td (markets, ) Tj ET Q q 0 0 0 rg BT 391.48 345.50 Td (or ) Tj ET Q q 0 0 0 rg BT 404.17 345.50 Td (other ) Tj ET Q q 0 0 0 rg BT 429.07 345.50 Td (factors ) Tj ET Q q 0 0 0 rg BT 460.63 345.50 Td (beyond ) Tj ET Q q 0 0 0 rg BT 494.42 345.50 Td (our ) Tj ET Q q 0 0 0 rg BT 512.11 345.50 Td (control ) Tj ET Q q 0 0 0 rg BT 544.79 345.50 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 333.50 Td (significantly ) Tj ET Q q 0 0 0 rg BT 102.49 333.50 Td (af) Tj ET Q q 0 0 0 rg BT 110.08 333.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 127.56 333.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 168.94 333.50 Td (demand ) Tj ET Q q 0 0 0 rg BT 203.10 333.50 Td (for ) Tj ET Q q 0 0 0 rg BT 217.26 333.50 Td (our ) Tj ET Q q 0 0 0 rg BT 233.09 333.50 Td (products ) Tj ET Q q 0 0 0 rg BT 270.02 333.50 Td (and ) Tj ET Q q 0 0 0 rg BT 286.96 333.50 Td (consumers) Tj ET Q q 0 0 0 rg BT 332.32 333.50 Td ( ) Tj ET Q q 0 0 0 rg BT 334.82 333.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 362.87 333.50 Td (to ) Tj ET Q q 0 0 0 rg BT 373.15 333.50 Td (repay ) Tj ET Q q 0 0 0 rg BT 397.86 333.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 423.96 333.50 Td (reducing ) Tj ET Q q 0 0 0 rg BT 461.45 333.50 Td (our ) Tj ET Q q 0 0 0 rg BT 477.28 333.50 Td (results ) Tj ET Q q 0 0 0 rg BT 505.89 333.50 Td (of ) Tj ET Q q 0 0 0 rg BT 516.72 333.50 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 312.50 Td (Legislative ) Tj ET Q q 0 0 0 rg BT 95.89 312.50 Td (and ) Tj ET Q q 0 0 0 rg BT 112.90 312.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 157.14 312.50 Td (actions ) Tj ET Q q 0 0 0 rg BT 188.04 312.50 Td (taken ) Tj ET Q q 0 0 0 rg BT 212.28 312.50 Td (now ) Tj ET Q q 0 0 0 rg BT 230.97 312.50 Td (or ) Tj ET Q q 0 0 0 rg BT 241.31 312.50 Td (in ) Tj ET Q q 0 0 0 rg BT 251.11 312.50 Td (the ) Tj ET Q q 0 0 0 rg BT 265.35 312.50 Td (future ) Tj ET Q q 0 0 0 rg BT 292.36 312.50 Td (regarding ) Tj ET Q q 0 0 0 rg BT 334.38 312.50 Td (the ) Tj ET Q q 0 0 0 rg BT 348.62 312.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 387.30 312.50 Td (services ) Tj ET Q q 0 0 0 rg BT 420.96 312.50 Td (industry ) Tj ET Q q 0 0 0 rg BT 456.32 312.50 Td (may ) Tj ET Q q 0 0 0 rg BT 474.99 312.50 Td (significantly ) Tj ET Q q 0 0 0 rg BT 527.56 312.50 Td (increase ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 300.50 Td (our ) Tj ET Q q 0 0 0 rg BT 66.95 300.50 Td (costs ) Tj ET Q q 0 0 0 rg BT 89.45 300.50 Td (or ) Tj ET Q q 0 0 0 rg BT 100.84 300.50 Td (limit ) Tj ET Q q 0 0 0 rg BT 122.24 300.50 Td (our ) Tj ET Q q 0 0 0 rg BT 139.19 300.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 167.24 300.50 Td (to ) Tj ET Q q 0 0 0 rg BT 177.52 300.50 Td (conduct ) Tj ET Q q 0 0 0 rg BT 212.80 300.50 Td (our ) Tj ET Q q 0 0 0 rg BT 229.75 300.50 Td (business ) Tj ET Q q 0 0 0 rg BT 267.27 300.50 Td (in ) Tj ET Q q 0 0 0 rg BT 278.11 300.50 Td (a ) Tj ET Q q 0 0 0 rg BT 285.61 300.50 Td (profitable ) Tj ET Q q 0 0 0 rg BT 328.10 300.50 Td (manner) Tj ET Q q 0 0 0 rg BT 359.78 300.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.50 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 283.50 Td (e ) Tj ET Q q 0 0 0 rg BT 66.48 283.50 Td (are ) Tj ET Q q 0 0 0 rg BT 82.08 283.50 Td (already ) Tj ET Q q 0 0 0 rg BT 114.91 283.50 Td (subject ) Tj ET Q q 0 0 0 rg BT 146.64 283.50 Td (to ) Tj ET Q q 0 0 0 rg BT 157.81 283.50 Td (extensive ) Tj ET Q q 0 0 0 rg BT 198.98 283.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 230.13 283.50 Td (and ) Tj ET Q q 0 0 0 rg BT 247.97 283.50 Td (state ) Tj ET Q q 0 0 0 rg BT 269.70 283.50 Td (regulation ) Tj ET Q q 0 0 0 rg BT 313.64 283.50 Td (and ) Tj ET Q q 0 0 0 rg BT 331.48 283.50 Td (supervision. ) Tj ET Q q 0 0 0 rg BT 383.25 283.50 Td (The ) Tj ET Q q 0 0 0 rg BT 402.19 283.50 Td (cost ) Tj ET Q q 0 0 0 rg BT 421.70 283.50 Td (of ) Tj ET Q q 0 0 0 rg BT 433.43 283.50 Td (compliance ) Tj ET Q q 0 0 0 rg BT 482.92 283.50 Td (with ) Tj ET Q q 0 0 0 rg BT 504.10 283.50 Td (such ) Tj ET Q q 0 0 0 rg BT 525.83 283.50 Td (laws ) Tj ET Q q 0 0 0 rg BT 547.56 283.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.50 Td (regulations ) Tj ET Q q 0 0 0 rg BT 97.19 271.50 Td (can ) Tj ET Q q 0 0 0 rg BT 113.83 271.50 Td (be ) Tj ET Q q 0 0 0 rg BT 126.03 271.50 Td (substantial ) Tj ET Q q 0 0 0 rg BT 171.56 271.50 Td (and ) Tj ET Q q 0 0 0 rg BT 188.75 271.50 Td (adversely ) Tj ET Q q 0 0 0 rg BT 229.83 271.50 Td (af) Tj ET Q q 0 0 0 rg BT 237.42 271.50 Td (fect ) Tj ET Q q 0 0 0 rg BT 255.16 271.50 Td (our ) Tj ET Q q 0 0 0 rg BT 271.25 271.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 299.56 271.50 Td (to ) Tj ET Q q 0 0 0 rg BT 310.10 271.50 Td (operate ) Tj ET Q q 0 0 0 rg BT 342.28 271.50 Td (profitably) Tj ET Q q 0 0 0 rg BT 381.06 271.50 Td (. ) Tj ET Q q 0 0 0 rg BT 386.12 271.50 Td (While ) Tj ET Q q 0 0 0 rg BT 413.32 271.50 Td (we ) Tj ET Q q 0 0 0 rg BT 427.74 271.50 Td (are ) Tj ET Q q 0 0 0 rg BT 442.70 271.50 Td (unable ) Tj ET Q q 0 0 0 rg BT 472.12 271.50 Td (to ) Tj ET Q q 0 0 0 rg BT 482.65 271.50 Td (predict ) Tj ET Q q 0 0 0 rg BT 513.17 271.50 Td (the ) Tj ET Q q 0 0 0 rg BT 528.15 271.50 Td (scope ) Tj ET Q q 0 0 0 rg BT 553.68 271.50 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 80.89 259.50 Td (of ) Tj ET Q q 0 0 0 rg BT 92.90 259.50 Td (any ) Tj ET Q q 0 0 0 rg BT 111.02 259.50 Td (potential ) Tj ET Q q 0 0 0 rg BT 149.69 259.50 Td (legislation ) Tj ET Q q 0 0 0 rg BT 195.03 259.50 Td (or ) Tj ET Q q 0 0 0 rg BT 207.04 259.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 251.81 259.50 Td (action ) Tj ET Q q 0 0 0 rg BT 279.92 259.50 Td (until ) Tj ET Q q 0 0 0 rg BT 301.94 259.50 Td (it ) Tj ET Q q 0 0 0 rg BT 311.17 259.50 Td (becomes ) Tj ET Q q 0 0 0 rg BT 349.84 259.50 Td (final, ) Tj ET Q q 0 0 0 rg BT 374.34 259.50 Td (it ) Tj ET Q q 0 0 0 rg BT 383.58 259.50 Td (is ) Tj ET Q q 0 0 0 rg BT 393.93 259.50 Td (possible ) Tj ET Q q 0 0 0 rg BT 430.38 259.50 Td (that ) Tj ET Q q 0 0 0 rg BT 449.06 259.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 484.94 259.50 Td (in ) Tj ET Q q 0 0 0 rg BT 496.40 259.50 Td (applicable ) Tj ET Q q 0 0 0 rg BT 541.17 259.50 Td (laws, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.50 Td (regulations ) Tj ET Q q 0 0 0 rg BT 97.43 247.50 Td (or ) Tj ET Q q 0 0 0 rg BT 108.75 247.50 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 169.50 247.50 Td (hereof ) Tj ET Q q 0 0 0 rg BT 198.03 247.50 Td (could ) Tj ET Q q 0 0 0 rg BT 223.24 247.50 Td (significantly ) Tj ET Q q 0 0 0 rg BT 276.22 247.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 311.97 247.50 Td (our ) Tj ET Q q 0 0 0 rg BT 328.29 247.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 372.37 247.50 Td (compliance ) Tj ET Q q 0 0 0 rg BT 421.46 247.50 Td (costs, ) Tj ET Q q 0 0 0 rg BT 446.95 247.50 Td (impede ) Tj ET Q q 0 0 0 rg BT 479.37 247.50 Td (the ) Tj ET Q q 0 0 0 rg BT 494.58 247.50 Td (ef) Tj ET Q q 0 0 0 rg BT 502.17 247.50 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 537.36 247.50 Td (of ) Tj ET Q q 0 0 0 rg BT 548.69 247.50 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.50 Td (internal ) Tj ET Q q 0 0 0 rg BT 84.13 235.50 Td (business ) Tj ET Q q 0 0 0 rg BT 121.62 235.50 Td (processes, ) Tj ET Q q 0 0 0 rg BT 166.03 235.50 Td (negatively ) Tj ET Q q 0 0 0 rg BT 211.28 235.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 242.08 235.50 Td (the ) Tj ET Q q 0 0 0 rg BT 257.89 235.50 Td (recoverability ) Tj ET Q q 0 0 0 rg BT 317.01 235.50 Td (of ) Tj ET Q q 0 0 0 rg BT 328.93 235.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 359.73 235.50 Td (of ) Tj ET Q q 0 0 0 rg BT 371.65 235.50 Td (our ) Tj ET Q q 0 0 0 rg BT 388.57 235.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 427.14 235.50 Td (assets, ) Tj ET Q q 0 0 0 rg BT 456.56 235.50 Td (require ) Tj ET Q q 0 0 0 rg BT 488.47 235.50 Td (us ) Tj ET Q q 0 0 0 rg BT 500.96 235.50 Td (to ) Tj ET Q q 0 0 0 rg BT 512.33 235.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 548.67 235.50 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 94.32 223.50 Td (capital, ) Tj ET Q q 0 0 0 rg BT 126.70 223.50 Td (interfere ) Tj ET Q q 0 0 0 rg BT 163.80 223.50 Td (with ) Tj ET Q q 0 0 0 rg BT 184.80 223.50 Td (our ) Tj ET Q q 0 0 0 rg BT 201.36 223.50 Td (executive ) Tj ET Q q 0 0 0 rg BT 242.91 223.50 Td (compensation ) Tj ET Q q 0 0 0 rg BT 301.68 223.50 Td (plans, ) Tj ET Q q 0 0 0 rg BT 328.52 223.50 Td (or ) Tj ET Q q 0 0 0 rg BT 340.08 223.50 Td (limit ) Tj ET Q q 0 0 0 rg BT 362.20 223.50 Td (our ) Tj ET Q q 0 0 0 rg BT 378.76 223.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 407.54 223.50 Td (to ) Tj ET Q q 0 0 0 rg BT 418.55 223.50 Td (pursue ) Tj ET Q q 0 0 0 rg BT 448.44 223.50 Td (business ) Tj ET Q q 0 0 0 rg BT 485.56 223.50 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 541.56 223.50 Td (in ) Tj ET Q q 0 0 0 rg BT 552.57 223.50 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.50 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 211.50 Td (ficient ) Tj ET Q q 0 0 0 rg BT 85.63 211.50 Td (manner ) Tj ET Q q 0 0 0 rg BT 118.12 211.50 Td (including ) Tj ET Q q 0 0 0 rg BT 158.39 211.50 Td (our ) Tj ET Q q 0 0 0 rg BT 174.22 211.50 Td (plan ) Tj ET Q q 0 0 0 rg BT 193.94 211.50 Td (for ) Tj ET Q q 0 0 0 rg BT 208.10 211.50 Td (de ) Tj ET Q q 0 0 0 rg BT 220.03 211.50 Td (novo ) Tj ET Q q 0 0 0 rg BT 242.53 211.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 273.36 211.50 Td (and ) Tj ET Q q 0 0 0 rg BT 290.30 211.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 321.13 211.50 Td (through ) Tj ET Q q 0 0 0 rg BT 354.74 211.50 Td (acquisitions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.50 Td (The ) Tj ET Q q 0 0 0 rg BT 67.82 194.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 118.48 194.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 135.20 194.50 Td (significantly ) Tj ET Q q 0 0 0 rg BT 187.47 194.50 Td (changed ) Tj ET Q q 0 0 0 rg BT 223.06 194.50 Td (the ) Tj ET Q q 0 0 0 rg BT 237.55 194.50 Td (bank ) Tj ET Q q 0 0 0 rg BT 259.27 194.50 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 302.64 194.50 Td (structure ) Tj ET Q q 0 0 0 rg BT 339.90 194.50 Td (and ) Tj ET Q q 0 0 0 rg BT 356.62 194.50 Td (af) Tj ET Q q 0 0 0 rg BT 364.21 194.50 Td (fects ) Tj ET Q q 0 0 0 rg BT 385.36 194.50 Td (the ) Tj ET Q q 0 0 0 rg BT 399.86 194.50 Td (lending, ) Tj ET Q q 0 0 0 rg BT 434.63 194.50 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 468.30 194.50 Td (investment, ) Tj ET Q q 0 0 0 rg BT 516.96 194.50 Td (trading ) Tj ET Q q 0 0 0 rg BT 547.56 194.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.50 Td (operating ) Tj ET Q q 0 0 0 rg BT 90.42 182.50 Td (activities ) Tj ET Q q 0 0 0 rg BT 129.18 182.50 Td (of ) Tj ET Q q 0 0 0 rg BT 140.17 182.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 177.81 182.50 Td (institutions ) Tj ET Q q 0 0 0 rg BT 224.92 182.50 Td (and ) Tj ET Q q 0 0 0 rg BT 242.02 182.50 Td (their ) Tj ET Q q 0 0 0 rg BT 263.00 182.50 Td (holding ) Tj ET Q q 0 0 0 rg BT 296.22 182.50 Td (companies. ) Tj ET Q q 0 0 0 rg BT 343.95 182.50 Td (The ) Tj ET Q q 0 0 0 rg BT 362.15 182.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 413.11 182.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 430.20 182.50 Td (requires ) Tj ET Q q 0 0 0 rg BT 465.07 182.50 Td (various ) Tj ET Q q 0 0 0 rg BT 497.17 182.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 527.58 182.50 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.50 Td (to ) Tj ET Q q 0 0 0 rg BT 60.24 170.50 Td (adopt ) Tj ET Q q 0 0 0 rg BT 84.93 170.50 Td (a ) Tj ET Q q 0 0 0 rg BT 91.83 170.50 Td (broad ) Tj ET Q q 0 0 0 rg BT 117.07 170.50 Td (range ) Tj ET Q q 0 0 0 rg BT 141.74 170.50 Td (of ) Tj ET Q q 0 0 0 rg BT 152.53 170.50 Td (new ) Tj ET Q q 0 0 0 rg BT 171.66 170.50 Td (rules ) Tj ET Q q 0 0 0 rg BT 193.56 170.50 Td (and ) Tj ET Q q 0 0 0 rg BT 210.47 170.50 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 259.87 170.50 Td (including ) Tj ET Q q 0 0 0 rg BT 300.11 170.50 Td (heightened ) Tj ET Q q 0 0 0 rg BT 346.45 170.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 375.56 170.50 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 432.73 170.50 Td (and ) Tj ET Q q 0 0 0 rg BT 449.63 170.50 Td (to ) Tj ET Q q 0 0 0 rg BT 459.88 170.50 Td (prepare ) Tj ET Q q 0 0 0 rg BT 492.32 170.50 Td (numerous ) Tj ET Q q 0 0 0 rg BT 534.22 170.50 Td (studies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.50 Td (and ) Tj ET Q q 0 0 0 rg BT 66.28 158.50 Td (reports ) Tj ET Q q 0 0 0 rg BT 95.89 158.50 Td (for ) Tj ET Q q 0 0 0 rg BT 109.40 158.50 Td (Congress. ) Tj ET Q q 0 0 0 rg BT 150.96 158.50 Td ( ) Tj ET Q q 0 0 0 rg BT 152.67 158.50 Td (The ) Tj ET Q q 0 0 0 rg BT 170.06 158.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 220.38 158.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 236.66 158.50 Td (amended ) Tj ET Q q 0 0 0 rg BT 274.60 158.50 Td (the ) Tj ET Q q 0 0 0 rg BT 288.66 158.50 Td (laws ) Tj ET Q q 0 0 0 rg BT 308.83 158.50 Td (governing ) Tj ET Q q 0 0 0 rg BT 351.22 158.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 380.82 158.50 Td (preemption ) Tj ET Q q 0 0 0 rg BT 428.21 158.50 Td (of ) Tj ET Q q 0 0 0 rg BT 438.38 158.50 Td (state ) Tj ET Q q 0 0 0 rg BT 458.55 158.50 Td (laws ) Tj ET Q q 0 0 0 rg BT 478.72 158.50 Td (as ) Tj ET Q q 0 0 0 rg BT 488.89 158.50 Td (applied ) Tj ET Q q 0 0 0 rg BT 520.17 158.50 Td (to ) Tj ET Q q 0 0 0 rg BT 529.79 158.50 Td (national ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.50 Td (banks, ) Tj ET Q q 0 0 0 rg BT 78.55 146.50 Td (and ) Tj ET Q q 0 0 0 rg BT 95.71 146.50 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 140.63 146.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 171.11 146.50 Td (preemption ) Tj ET Q q 0 0 0 rg BT 219.37 146.50 Td (for ) Tj ET Q q 0 0 0 rg BT 233.75 146.50 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 283.69 146.50 Td (of ) Tj ET Q q 0 0 0 rg BT 294.74 146.50 Td (national ) Tj ET Q q 0 0 0 rg BT 329.67 146.50 Td (banks. ) Tj ET Q q 0 0 0 rg BT 358.02 146.50 Td (These ) Tj ET Q q 0 0 0 rg BT 384.62 146.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 419.54 146.50 Td (may ) Tj ET Q q 0 0 0 rg BT 439.48 146.50 Td (subject ) Tj ET Q q 0 0 0 rg BT 470.53 146.50 Td (our ) Tj ET Q q 0 0 0 rg BT 486.58 146.50 Td (national ) Tj ET Q q 0 0 0 rg BT 521.51 146.50 Td (banks ) Tj ET Q q 0 0 0 rg BT 547.56 146.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.50 Td (their ) Tj ET Q q 0 0 0 rg BT 70.54 134.50 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 119.98 134.50 Td (and ) Tj ET Q q 0 0 0 rg BT 136.63 134.50 Td (divisions, ) Tj ET Q q 0 0 0 rg BT 177.47 134.50 Td (including ) Tj ET Q q 0 0 0 rg BT 217.30 134.50 Td (W) Tj ET Q q 0 0 0 rg BT 226.33 134.50 Td (intrust ) Tj ET Q q 0 0 0 rg BT 254.11 134.50 Td (Mortgage, ) Tj ET Q q 0 0 0 rg BT 297.70 134.50 Td (to ) Tj ET Q q 0 0 0 rg BT 307.70 134.50 Td (additional ) Tj ET Q q 0 0 0 rg BT 349.90 134.50 Td (state ) Tj ET Q q 0 0 0 rg BT 370.45 134.50 Td (regulation. ) Tj ET Q q 0 0 0 rg BT 415.54 134.50 Td (W) Tj ET Q q 0 0 0 rg BT 424.58 134.50 Td (ith ) Tj ET Q q 0 0 0 rg BT 437.36 134.50 Td (regard ) Tj ET Q q 0 0 0 rg BT 465.11 134.50 Td (to ) Tj ET Q q 0 0 0 rg BT 475.10 134.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 515.08 134.50 Td (lending, ) Tj ET Q q 0 0 0 rg BT 549.80 134.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 100.38 122.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 116.75 122.50 Td (imposed ) Tj ET Q q 0 0 0 rg BT 152.56 122.50 Td (new ) Tj ET Q q 0 0 0 rg BT 171.14 122.50 Td (requirements ) Tj ET Q q 0 0 0 rg BT 225.27 122.50 Td (regarding ) Tj ET Q q 0 0 0 rg BT 265.51 122.50 Td (the ) Tj ET Q q 0 0 0 rg BT 279.65 122.50 Td (origination ) Tj ET Q q 0 0 0 rg BT 325.46 122.50 Td (and ) Tj ET Q q 0 0 0 rg BT 341.82 122.50 Td (servicing ) Tj ET Q q 0 0 0 rg BT 380.40 122.50 Td (of ) Tj ET Q q 0 0 0 rg BT 390.66 122.50 Td (residential ) Tj ET Q q 0 0 0 rg BT 434.24 122.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 473.92 122.50 Td (loans. ) Tj ET Q q 0 0 0 rg BT 499.32 122.50 Td (The ) Tj ET Q q 0 0 0 rg BT 516.79 122.50 Td (law ) Tj ET Q q 0 0 0 rg BT 533.16 122.50 Td (created ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.50 Td (a ) Tj ET Q q 0 0 0 rg BT 57.10 110.50 Td (variety ) Tj ET Q q 0 0 0 rg BT 87.53 110.50 Td (of ) Tj ET Q q 0 0 0 rg BT 98.53 110.50 Td (new ) Tj ET Q q 0 0 0 rg BT 117.85 110.50 Td (consumer ) Tj ET Q q 0 0 0 rg BT 159.39 110.50 Td (protections, ) Tj ET Q q 0 0 0 rg BT 208.99 110.50 Td (including ) Tj ET Q q 0 0 0 rg BT 249.43 110.50 Td (limitations ) Tj ET Q q 0 0 0 rg BT 294.88 110.50 Td (on ) Tj ET Q q 0 0 0 rg BT 307.54 110.50 Td (the ) Tj ET Q q 0 0 0 rg BT 322.42 110.50 Td (manner ) Tj ET Q q 0 0 0 rg BT 355.07 110.50 Td (by ) Tj ET Q q 0 0 0 rg BT 367.74 110.50 Td (which ) Tj ET Q q 0 0 0 rg BT 394.84 110.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 414.72 110.50 Td (originators ) Tj ET Q q 0 0 0 rg BT 460.71 110.50 Td (may ) Tj ET Q q 0 0 0 rg BT 480.59 110.50 Td (be ) Tj ET Q q 0 0 0 rg BT 492.70 110.50 Td (compensated ) Tj ET Q q 0 0 0 rg BT 547.57 110.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.50 Td (an ) Tj ET Q q 0 0 0 rg BT 61.94 98.50 Td (obligation ) Tj ET Q q 0 0 0 rg BT 104.99 98.50 Td (of ) Tj ET Q q 0 0 0 rg BT 115.82 98.50 Td (the ) Tj ET Q q 0 0 0 rg BT 130.54 98.50 Td (part ) Tj ET Q q 0 0 0 rg BT 148.58 98.50 Td (of ) Tj ET Q q 0 0 0 rg BT 159.41 98.50 Td (lenders ) Tj ET Q q 0 0 0 rg BT 190.79 98.50 Td (to ) Tj ET Q q 0 0 0 rg BT 201.07 98.50 Td (assess ) Tj ET Q q 0 0 0 rg BT 228.01 98.50 Td (and ) Tj ET Q q 0 0 0 rg BT 244.95 98.50 Td (verify ) Tj ET Q q 0 0 0 rg BT 271.33 98.50 Td (a ) Tj ET Q q 0 0 0 rg BT 278.27 98.50 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 323.11 98.50 Td (ability ) Tj ET Q q 0 0 0 rg BT 355.60 98.50 Td (to ) Tj ET Q q 0 0 0 rg BT 365.88 98.50 Td (repay ) Tj ET Q q 0 0 0 rg BT 395.02 98.50 Td (a ) Tj ET Q q 0 0 0 rg BT 401.96 98.50 Td (residential ) Tj ET Q q 0 0 0 rg BT 446.11 98.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 486.38 98.50 Td (loan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 81.50 Td (The ) Tj ET Q q 0 0 0 rg BT 69.02 81.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 120.61 81.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 138.53 81.50 Td (also ) Tj ET Q q 0 0 0 rg BT 158.11 81.50 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 199.34 81.50 Td (provisions ) Tj ET Q q 0 0 0 rg BT 244.49 81.50 Td (relating ) Tj ET Q q 0 0 0 rg BT 278.50 81.50 Td (to ) Tj ET Q q 0 0 0 rg BT 289.76 81.50 Td (af) Tj ET Q q 0 0 0 rg BT 297.35 81.50 Td (filiate ) Tj ET Q q 0 0 0 rg BT 324.14 81.50 Td (and ) Tj ET Q q 0 0 0 rg BT 342.06 81.50 Td (insider ) Tj ET Q q 0 0 0 rg BT 372.75 81.50 Td (lending ) Tj ET Q q 0 0 0 rg BT 406.22 81.50 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 454.13 81.50 Td (and ) Tj ET Q q 0 0 0 rg BT 472.04 81.50 Td (loans-to-one-borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 69.50 Td (limitations. ) Tj ET Q q 0 0 0 rg BT 97.81 69.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 130.33 69.50 Td (and ) Tj ET Q q 0 0 0 rg BT 147.30 69.50 Td (state ) Tj ET Q q 0 0 0 rg BT 168.16 69.50 Td (banking ) Tj ET Q q 0 0 0 rg BT 202.92 69.50 Td (laws ) Tj ET Q q 0 0 0 rg BT 223.78 69.50 Td (impose ) Tj ET Q q 0 0 0 rg BT 255.20 69.50 Td (limits ) Tj ET Q q 0 0 0 rg BT 280.52 69.50 Td (on ) Tj ET Q q 0 0 0 rg BT 293.05 69.50 Td (the ) Tj ET Q q 0 0 0 rg BT 307.80 69.50 Td (amount ) Tj ET Q q 0 0 0 rg BT 340.33 69.50 Td (of ) Tj ET Q q 0 0 0 rg BT 351.20 69.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 376.49 69.50 Td (a ) Tj ET Q q 0 0 0 rg BT 383.47 69.50 Td (bank ) Tj ET Q q 0 0 0 rg BT 405.44 69.50 Td (can ) Tj ET Q q 0 0 0 rg BT 421.85 69.50 Td (extend ) Tj ET Q q 0 0 0 rg BT 451.04 69.50 Td (to ) Tj ET Q q 0 0 0 rg BT 461.35 69.50 Td (any ) Tj ET Q q 0 0 0 rg BT 478.33 69.50 Td (one ) Tj ET Q q 0 0 0 rg BT 495.30 69.50 Td (person ) Tj ET Q q 0 0 0 rg BT 524.49 69.50 Td (\(or ) Tj ET Q q 0 0 0 rg BT 538.69 69.50 Td (group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.50 Td (of ) Tj ET Q q 0 0 0 rg BT 60.75 57.50 Td (related ) Tj ET Q q 0 0 0 rg BT 90.37 57.50 Td (persons\). ) Tj ET Q q 0 0 0 rg BT 128.99 57.50 Td (The ) Tj ET Q q 0 0 0 rg BT 146.96 57.50 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 197.73 57.50 Td (Act ) Tj ET Q q 0 0 0 rg BT 214.58 57.50 Td (expanded ) Tj ET Q q 0 0 0 rg BT 255.32 57.50 Td (the ) Tj ET Q q 0 0 0 rg BT 269.95 57.50 Td (scope ) Tj ET Q q 0 0 0 rg BT 295.14 57.50 Td (of ) Tj ET Q q 0 0 0 rg BT 305.89 57.50 Td (these ) Tj ET Q q 0 0 0 rg BT 328.85 57.50 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 375.71 57.50 Td (for ) Tj ET Q q 0 0 0 rg BT 389.78 57.50 Td (national ) Tj ET Q q 0 0 0 rg BT 424.41 57.50 Td (banks ) Tj ET Q q 0 0 0 rg BT 450.16 57.50 Td (under ) Tj ET Q q 0 0 0 rg BT 475.35 57.50 Td (federal ) Tj ET Q q 0 0 0 rg BT 505.52 57.50 Td (law ) Tj ET Q q 0 0 0 rg BT 522.38 57.50 Td (to ) Tj ET Q q 0 0 0 rg BT 532.58 57.50 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 45.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.56 45.50 Td (exposure ) Tj ET Q q 0 0 0 rg BT 114.45 45.50 Td (arising ) Tj ET Q q 0 0 0 rg BT 144.47 45.50 Td (from ) Tj ET Q q 0 0 0 rg BT 166.70 45.50 Td (derivative ) Tj ET Q q 0 0 0 rg BT 209.48 45.50 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 262.53 45.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 308.64 45.50 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 359.46 45.50 Td (and ) Tj ET Q q 0 0 0 rg BT 376.70 45.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 417.26 45.50 Td (lending ) Tj ET Q q 0 0 0 rg BT 450.05 45.50 Td (and ) Tj ET Q q 0 0 0 rg BT 467.28 45.50 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 511.74 45.50 Td (transactions. ) Tj ET Q endstream endobj 65 0 obj <> endobj 66 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (32) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Provisions ) Tj ET Q q 0 0 0 rg BT 95.50 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.10 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.59 742.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 174.02 742.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 191.73 742.10 Td (also ) Tj ET Q q 0 0 0 rg BT 211.11 742.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 250.48 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.97 742.10 Td (FDIA) Tj ET Q q 0 0 0 rg BT 288.75 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 292.02 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 303.07 742.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 338.01 742.10 Td (state-chartered ) Tj ET Q q 0 0 0 rg BT 400.13 742.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 426.73 742.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 471.10 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 501.58 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.18 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 529.78 742.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (subsidiaries\) ) Tj ET Q q 0 0 0 rg BT 102.70 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 124.30 730.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 163.11 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 173.04 730.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 215.18 730.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 265.10 730.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 292.25 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.63 730.10 Td (state ) Tj ET Q q 0 0 0 rg BT 327.11 730.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 359.26 730.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 380.31 730.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 400.79 730.10 Td (take ) Tj ET Q q 0 0 0 rg BT 419.60 730.10 Td (into ) Tj ET Q q 0 0 0 rg BT 437.31 730.10 Td (account ) Tj ET Q q 0 0 0 rg BT 470.56 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 495.48 730.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 533.74 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 543.67 730.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (transactions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 701.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 95.40 701.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 139.70 701.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.65 701.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.49 701.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 216.42 701.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 233.49 701.10 Td (may ) Tj ET Q q 0 0 0 rg BT 253.33 701.10 Td (be ) Tj ET Q q 0 0 0 rg BT 265.39 701.10 Td (found ) Tj ET Q q 0 0 0 rg BT 291.35 701.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.75 701.10 Td (this ) Tj ET Q q 0 0 0 rg BT 318.25 701.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 350.31 701.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 380.16 701.10 Td (on ) Tj ET Q q 0 0 0 rg BT 392.78 701.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 417.08 701.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 440.26 701.10 Td (under ) Tj ET Q q 0 0 0 rg BT 465.65 701.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 508.28 701.10 Td (- ) Tj ET Q q 0 0 0 rg BT 514.23 701.10 Td (Supervision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 689.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.36 689.10 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 118.61 689.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.97 689.10 Td (Management's ) Tj ET Q q 0 0 0 rg BT 201.23 689.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 248.05 689.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.76 689.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 302.69 689.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.94 689.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 354.08 689.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 397.01 689.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.37 689.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 446.75 689.10 Td (of ) Tj ET Q q 0 0 0 rg BT 458.00 689.10 Td (Operations-Overview ) Tj ET Q q 0 0 0 rg BT 547.56 689.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (Strategy-Financial ) Tj ET Q q 0 0 0 rg BT 126.37 677.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 173.30 677.10 Td (Reform ) Tj ET Q q 0 0 0 rg BT 210.79 677.10 Td (in ) Tj ET Q q 0 0 0 rg BT 221.06 677.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 241.89 677.10 Td (7.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 660.10 Td (Given ) Tj ET Q q 0 0 0 rg BT 77.10 660.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.97 660.10 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 139.61 660.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 183.36 660.10 Td (with ) Tj ET Q q 0 0 0 rg BT 203.80 660.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.67 660.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 251.31 660.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.75 660.10 Td (which ) Tj ET Q q 0 0 0 rg BT 288.85 660.10 Td (many ) Tj ET Q q 0 0 0 rg BT 313.72 660.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 358.05 660.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.04 660.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.91 660.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 434.86 660.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 451.96 660.10 Td (will ) Tj ET Q q 0 0 0 rg BT 470.17 660.10 Td (be ) Tj ET Q q 0 0 0 rg BT 482.27 660.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 537.13 660.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 660.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 648.10 Td (various ) Tj ET Q q 0 0 0 rg BT 81.64 648.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 124.93 648.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 164.05 648.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.46 648.10 Td (full ) Tj ET Q q 0 0 0 rg BT 194.55 648.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 221.18 648.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.70 648.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.12 648.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 275.53 648.10 Td (that ) Tj ET Q q 0 0 0 rg BT 292.72 648.10 Td (its ) Tj ET Q q 0 0 0 rg BT 304.37 648.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 358.76 648.10 Td (will ) Tj ET Q q 0 0 0 rg BT 376.52 648.10 Td (have ) Tj ET Q q 0 0 0 rg BT 397.59 648.10 Td (on ) Tj ET Q q 0 0 0 rg BT 409.79 648.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.32 648.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 469.17 648.10 Td (is ) Tj ET Q q 0 0 0 rg BT 478.04 648.10 Td (unclear) Tj ET Q q 0 0 0 rg BT 506.91 648.10 Td (. ) Tj ET Q q 0 0 0 rg BT 511.61 648.10 Td (However) Tj ET Q q 0 0 0 rg BT 547.86 648.10 Td (, ) Tj ET Q q 0 0 0 rg BT 552.55 648.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 636.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 106.08 636.10 Td (may) Tj ET Q q 0 0 0 rg BT 122.65 636.10 Td (, ) Tj ET Q q 0 0 0 rg BT 129.02 636.10 Td (individually ) Tj ET Q q 0 0 0 rg BT 181.23 636.10 Td (or ) Tj ET Q q 0 0 0 rg BT 193.44 636.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.09 636.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.18 636.10 Td (aggregate, ) Tj ET Q q 0 0 0 rg BT 266.42 636.10 Td (have ) Tj ET Q q 0 0 0 rg BT 289.18 636.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.49 636.10 Td (material ) Tj ET Q q 0 0 0 rg BT 334.13 636.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 368.54 636.10 Td (ef) Tj ET Q q 0 0 0 rg BT 376.13 636.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 394.99 636.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 418.87 636.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.96 636.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 483.42 636.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 523.68 636.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 636.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 624.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 96.66 624.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 116.92 624.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 141.65 624.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.58 624.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 196.06 624.10 Td (position.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 603.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 92.92 603.10 Td (reform ) Tj ET Q q 0 0 0 rg BT 123.61 603.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 168.74 603.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.66 603.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 228.45 603.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 273.59 603.10 Td (rigor ) Tj ET Q q 0 0 0 rg BT 296.50 603.10 Td (around ) Tj ET Q q 0 0 0 rg BT 328.87 603.10 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 401.77 603.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 428.58 603.10 Td (may ) Tj ET Q q 0 0 0 rg BT 448.15 603.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 478.27 603.10 Td (our ) Tj ET Q q 0 0 0 rg BT 495.08 603.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 522.99 603.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.12 603.10 Td (market ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 591.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.95 591.10 Td (products ) Tj ET Q q 0 0 0 rg BT 105.01 591.10 Td (to ) Tj ET Q q 0 0 0 rg BT 115.29 591.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 162.25 591.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.31 591.10 Td (may ) Tj ET Q q 0 0 0 rg BT 200.02 591.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 221.42 591.10 Td (our ) Tj ET Q q 0 0 0 rg BT 238.37 591.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 266.42 591.10 Td (to ) Tj ET Q q 0 0 0 rg BT 276.70 591.10 Td (profitably ) Tj ET Q q 0 0 0 rg BT 319.19 591.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 352.24 591.10 Td (our ) Tj ET Q q 0 0 0 rg BT 369.19 591.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 410.58 591.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.55 574.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 119.77 574.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 137.22 574.10 Td (also ) Tj ET Q q 0 0 0 rg BT 156.33 574.10 Td (established ) Tj ET Q q 0 0 0 rg BT 203.77 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.99 574.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 246.46 574.10 Td (within ) Tj ET Q q 0 0 0 rg BT 275.02 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.24 574.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 323.23 574.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 360.94 574.10 Td (which ) Tj ET Q q 0 0 0 rg BT 388.38 574.10 Td (now ) Tj ET Q q 0 0 0 rg BT 408.61 574.10 Td (regulates ) Tj ET Q q 0 0 0 rg BT 447.71 574.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 489.59 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 527.57 574.10 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.52 562.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 103.30 562.10 Td (On ) Tj ET Q q 0 0 0 rg BT 117.60 562.10 Td (July21, ) Tj ET Q q 0 0 0 rg BT 151.34 562.10 Td (201) Tj ET Q q 0 0 0 rg BT 165.97 562.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 175.55 562.10 Td (many ) Tj ET Q q 0 0 0 rg BT 199.84 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.25 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.54 562.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 265.50 562.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 302.55 562.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 345.17 562.10 Td (functions ) Tj ET Q q 0 0 0 rg BT 384.47 562.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 428.76 562.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 465.27 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.13 562.10 Td (other ) Tj ET Q q 0 0 0 rg BT 497.75 562.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 527.58 562.10 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (shifted ) Tj ET Q q 0 0 0 rg BT 79.51 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.58 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.08 550.10 Td (CFPB. ) Tj ET Q q 0 0 0 rg BT 133.17 550.10 Td (The ) Tj ET Q q 0 0 0 rg BT 151.01 550.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 177.76 550.10 Td (now ) Tj ET Q q 0 0 0 rg BT 197.27 550.10 Td (has ) Tj ET Q q 0 0 0 rg BT 212.89 550.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 237.95 550.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 285.78 550.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 324.18 550.10 Td (over ) Tj ET Q q 0 0 0 rg BT 344.23 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.96 550.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 372.69 550.10 Td (range ) Tj ET Q q 0 0 0 rg BT 397.19 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.81 550.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 448.98 550.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 491.81 550.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 512.43 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 529.71 550.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 554.22 550.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.66 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.44 538.10 Td (other ) Tj ET Q q 0 0 0 rg BT 115.32 538.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 155.42 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.08 538.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 207.29 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 244.61 538.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 281.65 538.10 Td (including ) Tj ET Q q 0 0 0 rg BT 321.76 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.31 538.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 374.75 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.86 538.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 418.86 538.10 Td (unfair) Tj ET Q q 0 0 0 rg BT 446.77 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 451.61 538.10 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 492.25 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 502.92 538.10 Td (abusive ) Tj ET Q q 0 0 0 rg BT 535.80 538.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 553.68 538.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 95.91 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.79 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 125.01 526.10 Td (enact ) Tj ET Q q 0 0 0 rg BT 149.54 526.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 197.41 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.63 526.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 238.17 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 256.61 526.10 Td (all ) Tj ET Q q 0 0 0 rg BT 270.04 526.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 316.25 526.10 Td (have ) Tj ET Q q 0 0 0 rg BT 338.57 526.10 Td (access ) Tj ET Q q 0 0 0 rg BT 367.54 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 378.76 526.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 413.86 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 428.96 526.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 471.27 526.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 509.69 526.10 Td (products ) Tj ET Q q 0 0 0 rg BT 547.57 526.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 88.01 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.75 514.10 Td (that ) Tj ET Q q 0 0 0 rg BT 124.04 514.10 Td (such ) Tj ET Q q 0 0 0 rg BT 145.67 514.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 180.63 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 196.13 514.10 Td (fair) Tj ET Q q 0 0 0 rg BT 209.61 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 215.41 514.10 Td (transparent ) Tj ET Q q 0 0 0 rg BT 263.13 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.87 514.10 Td (competitive. ) Tj ET Q q 0 0 0 rg BT 333.64 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 352.48 514.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 403.94 514.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 421.68 514.10 Td (also ) Tj ET Q q 0 0 0 rg BT 441.08 514.10 Td (required ) Tj ET Q q 0 0 0 rg BT 477.70 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.22 514.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 520.98 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.06 514.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 557.57 514.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (number ) Tj ET Q q 0 0 0 rg BT 83.38 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.53 502.10 Td (new ) Tj ET Q q 0 0 0 rg BT 114.02 502.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 147.95 502.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 191.87 502.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 249.40 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 252.02 502.10 Td (These ) Tj ET Q q 0 0 0 rg BT 278.73 502.10 Td (new ) Tj ET Q q 0 0 0 rg BT 298.22 502.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 320.48 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 340.53 502.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 376.11 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.16 502.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 413.99 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.14 502.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 464.63 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 475.24 502.10 Td (these ) Tj ET Q q 0 0 0 rg BT 498.61 502.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 537.54 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 552.03 502.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (market ) Tj ET Q q 0 0 0 rg BT 81.42 490.10 Td (participants, ) Tj ET Q q 0 0 0 rg BT 134.23 490.10 Td (including ) Tj ET Q q 0 0 0 rg BT 175.66 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.65 490.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 245.21 490.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 295.12 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 301.27 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.15 490.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 345.27 490.10 Td (has ) Tj ET Q q 0 0 0 rg BT 362.25 490.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 388.68 490.10 Td (supervisory) Tj ET Q q 0 0 0 rg BT 434.69 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 440.85 490.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 493.93 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.03 490.10 Td (enforcement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (authority) Tj ET Q q 0 0 0 rg BT 85.45 478.10 Td (. ) Tj ET Q q 0 0 0 rg BT 89.48 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 90.66 478.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 129.96 478.10 Td (we ) Tj ET Q q 0 0 0 rg BT 143.15 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 159.11 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 173.96 478.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 216.59 478.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 241.44 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 255.17 478.10 Td (not ) Tj ET Q q 0 0 0 rg BT 269.47 478.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 299.32 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.62 478.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 334.61 478.10 Td (examination, ) Tj ET Q q 0 0 0 rg BT 388.06 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.80 478.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 431.65 478.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 454.82 478.10 Td (by ) Tj ET Q q 0 0 0 rg BT 466.35 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.08 478.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 506.07 478.10 Td (may ) Tj ET Q q 0 0 0 rg BT 524.81 478.10 Td (influence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 102.82 466.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 134.00 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.29 466.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 190.25 466.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 214.76 466.10 Td (by ) Tj ET Q q 0 0 0 rg BT 227.61 466.10 Td (other ) Tj ET Q q 0 0 0 rg BT 251.01 466.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 281.61 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.90 466.10 Td (state ) Tj ET Q q 0 0 0 rg BT 320.08 466.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 365.41 466.10 Td (including ) Tj ET Q q 0 0 0 rg BT 406.04 466.10 Td (those ) Tj ET Q q 0 0 0 rg BT 430.00 466.10 Td (with ) Tj ET Q q 0 0 0 rg BT 450.63 466.10 Td (jurisdiction ) Tj ET Q q 0 0 0 rg BT 499.03 466.10 Td (over ) Tj ET Q q 0 0 0 rg BT 519.65 466.10 Td (us ) Tj ET Q q 0 0 0 rg BT 531.39 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 548.68 466.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 102.08 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.44 454.10 Td (In ) Tj ET Q q 0 0 0 rg BT 115.13 454.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 152.76 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 162.90 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.47 454.10 Td (wake ) Tj ET Q q 0 0 0 rg BT 200.93 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.62 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.20 454.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 266.32 454.10 Td (crisis ) Tj ET Q q 0 0 0 rg BT 289.79 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.48 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.06 454.10 Td (last ) Tj ET Q q 0 0 0 rg BT 331.30 454.10 Td (few ) Tj ET Q q 0 0 0 rg BT 348.65 454.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 374.61 454.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 404.73 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 421.53 454.10 Td (state ) Tj ET Q q 0 0 0 rg BT 442.21 454.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 476.79 454.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 519.13 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 533.70 454.10 Td (closely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (examining ) Tj ET Q q 0 0 0 rg BT 95.30 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.60 442.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 151.45 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.98 442.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 209.83 442.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 249.57 442.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 288.76 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.18 442.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 345.48 442.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 383.55 442.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 433.59 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 436.68 442.10 Td (Should ) Tj ET Q q 0 0 0 rg BT 468.10 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.41 442.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 527.59 442.10 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 70.87 430.10 Td (serious ) Tj ET Q q 0 0 0 rg BT 101.18 430.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 138.71 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 158.48 430.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 188.78 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.55 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 213.87 430.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 257.51 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.28 430.10 Td (this ) Tj ET Q q 0 0 0 rg BT 283.72 430.10 Td (regard, ) Tj ET Q q 0 0 0 rg BT 313.74 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.95 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 335.54 430.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 352.51 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.83 430.10 Td (such ) Tj ET Q q 0 0 0 rg BT 383.15 430.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 420.67 430.10 Td (could ) Tj ET Q q 0 0 0 rg BT 444.88 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 465.74 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 472.17 430.10 Td (material ) Tj ET Q q 0 0 0 rg BT 506.92 430.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 539.44 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 547.03 430.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.08 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 77.50 418.10 Td (profits. ) Tj ET Q q 0 0 0 rg BT 108.19 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.27 418.10 Td (Finally) Tj ET Q q 0 0 0 rg BT 137.96 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 142.54 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.84 418.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 207.35 418.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 223.87 418.10 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 267.05 418.10 Td (state ) Tj ET Q q 0 0 0 rg BT 287.46 418.10 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 326.20 418.10 Td (general ) Tj ET Q q 0 0 0 rg BT 357.71 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 374.23 418.10 Td (other ) Tj ET Q q 0 0 0 rg BT 396.86 418.10 Td (state ) Tj ET Q q 0 0 0 rg BT 417.27 418.10 Td (of) Tj ET Q q 0 0 0 rg BT 425.42 418.10 Td (ficials ) Tj ET Q q 0 0 0 rg BT 451.94 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.80 418.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 493.86 418.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 523.14 418.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 93.04 406.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 114.98 406.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 142.48 406.10 Td (by ) Tj ET Q q 0 0 0 rg BT 154.98 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.70 406.10 Td (CFPB.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (Federal, ) Tj ET Q q 0 0 0 rg BT 86.74 385.10 Td (state ) Tj ET Q q 0 0 0 rg BT 107.64 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.22 385.10 Td (local ) Tj ET Q q 0 0 0 rg BT 147.24 385.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 189.82 385.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 222.95 385.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 243.31 385.10 Td (may ) Tj ET Q q 0 0 0 rg BT 262.55 385.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 293.45 385.10 Td (our ) Tj ET Q q 0 0 0 rg BT 309.93 385.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 337.50 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 347.29 385.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 386.54 385.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 417.45 385.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 458.35 385.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 482.60 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 493.51 385.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 529.97 385.10 Td (our ) Tj ET Q q 0 0 0 rg BT 546.44 385.10 Td (risk ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 373.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 94.44 373.10 Td (with ) Tj ET Q q 0 0 0 rg BT 114.73 373.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 146.10 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.38 373.10 Td (such ) Tj ET Q q 0 0 0 rg BT 178.33 373.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 203.07 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.13 373.10 Td (could ) Tj ET Q q 0 0 0 rg BT 246.41 373.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 283.34 373.10 Td (our ) Tj ET Q q 0 0 0 rg BT 300.30 373.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 318.91 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.74 373.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 355.58 373.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.10 Td (Federal, ) Tj ET Q q 0 0 0 rg BT 85.34 356.10 Td (state ) Tj ET Q q 0 0 0 rg BT 106.53 356.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.82 356.10 Td (local ) Tj ET Q q 0 0 0 rg BT 146.11 356.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 167.30 356.10 Td (have ) Tj ET Q q 0 0 0 rg BT 189.04 356.10 Td (been ) Tj ET Q q 0 0 0 rg BT 210.77 356.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 245.29 356.10 Td (that ) Tj ET Q q 0 0 0 rg BT 263.14 356.10 Td (are ) Tj ET Q q 0 0 0 rg BT 278.20 356.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 315.49 356.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.13 356.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 366.20 356.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 396.26 356.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 429.11 356.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 467.50 356.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 513.67 356.10 Td ("predatory) Tj ET Q q 0 0 0 rg BT 555.42 356.10 Td (." ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.58 344.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 97.61 344.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 131.97 344.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 170.20 344.10 Td (such ) Tj ET Q q 0 0 0 rg BT 191.23 344.10 Td (as ) Tj ET Q q 0 0 0 rg BT 202.26 344.10 Td (steering ) Tj ET Q q 0 0 0 rg BT 236.61 344.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 279.86 344.10 Td (away ) Tj ET Q q 0 0 0 rg BT 303.65 344.10 Td (from ) Tj ET Q q 0 0 0 rg BT 325.79 344.10 Td (more ) Tj ET Q q 0 0 0 rg BT 349.04 344.10 Td (af) Tj ET Q q 0 0 0 rg BT 356.63 344.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 392.64 344.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 432.28 344.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 461.64 344.10 Td (unnecessary ) Tj ET Q q 0 0 0 rg BT 513.21 344.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 554.22 344.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.10 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 96.23 332.10 Td (repeatedly ) Tj ET Q q 0 0 0 rg BT 141.05 332.10 Td (refinancing ) Tj ET Q q 0 0 0 rg BT 189.77 332.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 214.06 332.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.68 332.10 Td (making ) Tj ET Q q 0 0 0 rg BT 264.86 332.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 289.15 332.10 Td (without ) Tj ET Q q 0 0 0 rg BT 322.89 332.10 Td (a ) Tj ET Q q 0 0 0 rg BT 330.51 332.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 376.45 332.10 Td (expectation ) Tj ET Q q 0 0 0 rg BT 425.72 332.10 Td (that ) Tj ET Q q 0 0 0 rg BT 443.90 332.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.30 332.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 503.03 332.10 Td (will ) Tj ET Q q 0 0 0 rg BT 521.77 332.10 Td (be ) Tj ET Q q 0 0 0 rg BT 534.39 332.10 Td (able ) Tj ET Q q 0 0 0 rg BT 554.23 332.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 74.80 320.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.61 320.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 113.31 320.10 Td (irrespective ) Tj ET Q q 0 0 0 rg BT 162.55 320.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.47 320.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.29 320.10 Td (value ) Tj ET Q q 0 0 0 rg BT 212.53 320.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.46 320.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.27 320.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 284.19 320.10 Td (property) Tj ET Q q 0 0 0 rg BT 317.42 320.10 Td (. ) Tj ET Q q 0 0 0 rg BT 322.51 320.10 Td (Over ) Tj ET Q q 0 0 0 rg BT 345.10 320.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.91 320.10 Td (course ) Tj ET Q q 0 0 0 rg BT 388.60 320.10 Td (of ) Tj ET Q q 0 0 0 rg BT 399.52 320.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 422.12 320.10 Td (and ) Tj ET Q q 0 0 0 rg BT 439.15 320.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 464.25 320.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.06 320.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 506.11 320.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 533.71 320.10 Td (several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 71.68 308.10 Td (on ) Tj ET Q q 0 0 0 rg BT 83.92 308.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 123.92 308.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 158.66 308.10 Td (notably ) Tj ET Q q 0 0 0 rg BT 190.89 308.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.57 308.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 215.36 308.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 254.25 308.10 Td (all ) Tj ET Q q 0 0 0 rg BT 266.49 308.10 Td (home ) Tj ET Q q 0 0 0 rg BT 290.95 308.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 330.95 308.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 362.07 308.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.09 308.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 414.31 308.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.99 308.10 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 465.57 308.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 493.36 308.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.38 308.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 527.83 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.29 308.10 Td (loan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.96 296.10 Td (with ) Tj ET Q q 0 0 0 rg BT 97.26 296.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 126.98 296.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 151.72 296.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.68 296.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 212.87 296.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.82 296.10 Td (that ) Tj ET Q q 0 0 0 rg BT 247.34 296.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 288.74 296.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 310.69 296.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.43 296.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 366.83 296.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.69 296.10 Td (a ) Tj ET Q q 0 0 0 rg BT 384.64 296.10 Td ("qualified ) Tj ET Q q 0 0 0 rg BT 426.79 296.10 Td (mortgage" ) Tj ET Q q 0 0 0 rg BT 471.16 296.10 Td (may ) Tj ET Q q 0 0 0 rg BT 490.89 296.10 Td (be ) Tj ET Q q 0 0 0 rg BT 502.85 296.10 Td (protected ) Tj ET Q q 0 0 0 rg BT 542.58 296.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 84.10 284.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.86 284.10 Td (a ) Tj ET Q q 0 0 0 rg BT 102.29 284.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 141.92 284.10 Td (for ) Tj ET Q q 0 0 0 rg BT 156.57 284.10 Td (failing ) Tj ET Q q 0 0 0 rg BT 185.66 284.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.43 284.10 Td (make ) Tj ET Q q 0 0 0 rg BT 221.07 284.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.28 284.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 278.13 284.10 Td (determinations. ) Tj ET Q q 0 0 0 rg BT 343.05 284.10 Td (In ) Tj ET Q q 0 0 0 rg BT 354.36 284.10 Td (either ) Tj ET Q q 0 0 0 rg BT 380.11 284.10 Td (case, ) Tj ET Q q 0 0 0 rg BT 402.81 284.10 Td (we ) Tj ET Q q 0 0 0 rg BT 417.46 284.10 Td (may ) Tj ET Q q 0 0 0 rg BT 437.66 284.10 Td (find ) Tj ET Q q 0 0 0 rg BT 456.76 284.10 Td (it ) Tj ET Q q 0 0 0 rg BT 465.30 284.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 507.15 284.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.92 284.10 Td (tighten ) Tj ET Q q 0 0 0 rg BT 548.68 284.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 272.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.58 272.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 110.62 272.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 165.09 272.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 205.67 272.10 Td (in ) Tj ET Q q 0 0 0 rg BT 216.27 272.10 Td (response ) Tj ET Q q 0 0 0 rg BT 254.08 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.67 272.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.71 272.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 306.99 272.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 331.74 272.10 Td (which ) Tj ET Q q 0 0 0 rg BT 359.00 272.10 Td (may ) Tj ET Q q 0 0 0 rg BT 379.03 272.10 Td (constrain ) Tj ET Q q 0 0 0 rg BT 418.51 272.10 Td (our ) Tj ET Q q 0 0 0 rg BT 434.65 272.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 463.02 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.62 272.10 Td (make ) Tj ET Q q 0 0 0 rg BT 498.09 272.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 522.02 272.10 Td (consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.17 260.10 Td (our ) Tj ET Q q 0 0 0 rg BT 85.89 260.10 Td (business ) Tj ET Q q 0 0 0 rg BT 122.18 260.10 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 164.83 260.10 Td (It ) Tj ET Q q 0 0 0 rg BT 173.33 260.10 Td (is ) Tj ET Q q 0 0 0 rg BT 182.40 260.10 Td (our ) Tj ET Q q 0 0 0 rg BT 198.12 260.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 225.51 260.10 Td (not ) Tj ET Q q 0 0 0 rg BT 240.68 260.10 Td (to ) Tj ET Q q 0 0 0 rg BT 250.85 260.10 Td (make ) Tj ET Q q 0 0 0 rg BT 274.90 260.10 Td (predatory ) Tj ET Q q 0 0 0 rg BT 315.61 260.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 339.11 260.10 Td (and ) Tj ET Q q 0 0 0 rg BT 355.94 260.10 Td (to ) Tj ET Q q 0 0 0 rg BT 366.11 260.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 408.48 260.10 Td (borrowers' ) Tj ET Q q 0 0 0 rg BT 453.22 260.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 481.16 260.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.33 260.10 Td (repay) Tj ET Q q 0 0 0 rg BT 512.89 260.10 Td (, ) Tj ET Q q 0 0 0 rg BT 517.78 260.10 Td (but ) Tj ET Q q 0 0 0 rg BT 532.95 260.10 Td (the ) Tj ET Q q 0 0 0 rg BT 547.56 260.10 Td (law ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.27 248.10 Td (related ) Tj ET Q q 0 0 0 rg BT 95.31 248.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 116.58 248.10 Td (create ) Tj ET Q q 0 0 0 rg BT 142.28 248.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.33 248.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 193.15 248.10 Td (for ) Tj ET Q q 0 0 0 rg BT 206.64 248.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 246.23 248.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 279.17 248.10 Td (with ) Tj ET Q q 0 0 0 rg BT 298.78 248.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 328.93 248.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.54 248.10 Td (our ) Tj ET Q q 0 0 0 rg BT 353.71 248.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 385.54 248.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.81 248.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 420.86 248.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 466.57 248.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 506.87 248.10 Td (They ) Tj ET Q q 0 0 0 rg BT 529.25 248.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.13 236.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 83.04 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.17 236.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 117.75 236.10 Td (business ) Tj ET Q q 0 0 0 rg BT 153.45 236.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 172.19 236.10 Td (ultimately) Tj ET Q q 0 0 0 rg BT 212.08 236.10 Td (, ) Tj ET Q q 0 0 0 rg BT 216.39 236.10 Td (may ) Tj ET Q q 0 0 0 rg BT 235.41 236.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 267.19 236.10 Td (us ) Tj ET Q q 0 0 0 rg BT 277.89 236.10 Td (from ) Tj ET Q q 0 0 0 rg BT 299.13 236.10 Td (making ) Tj ET Q q 0 0 0 rg BT 330.92 236.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 359.93 236.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 382.84 236.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.08 236.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 423.09 236.10 Td (us ) Tj ET Q q 0 0 0 rg BT 433.78 236.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.36 236.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 471.81 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.83 236.10 Td (average ) Tj ET Q q 0 0 0 rg BT 518.71 236.10 Td (percentage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 68.00 224.10 Td (or ) Tj ET Q q 0 0 0 rg BT 79.34 224.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.57 224.10 Td (points ) Tj ET Q q 0 0 0 rg BT 122.03 224.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.48 224.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 158.59 224.10 Td (on ) Tj ET Q q 0 0 0 rg BT 171.60 224.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 195.72 224.10 Td (that ) Tj ET Q q 0 0 0 rg BT 213.73 224.10 Td (we ) Tj ET Q q 0 0 0 rg BT 228.40 224.10 Td (do ) Tj ET Q q 0 0 0 rg BT 241.41 224.10 Td (make. ) Tj ET Q q 0 0 0 rg BT 268.58 224.10 Td (In ) Tj ET Q q 0 0 0 rg BT 279.92 224.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 318.20 224.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 361.76 224.10 Td (related ) Tj ET Q q 0 0 0 rg BT 391.97 224.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.76 224.10 Td (redlining, ) Tj ET Q q 0 0 0 rg BT 444.38 224.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 461.27 224.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 496.77 224.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 547.57 224.10 Td (Re-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 96.41 212.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 113.39 212.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 162.01 212.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.99 212.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 202.63 212.10 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 236.25 212.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 253.23 212.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 301.85 212.10 Td (create ) Tj ET Q q 0 0 0 rg BT 328.25 212.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 373.00 212.10 Td (burdens ) Tj ET Q q 0 0 0 rg BT 407.20 212.10 Td (which ) Tj ET Q q 0 0 0 rg BT 434.17 212.10 Td (necessitate ) Tj ET Q q 0 0 0 rg BT 480.02 212.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 520.31 212.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 544.79 212.10 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 78.58 200.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.84 200.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 121.32 200.10 Td (with ) Tj ET Q q 0 0 0 rg BT 141.58 200.10 Td (any ) Tj ET Q q 0 0 0 rg BT 158.51 200.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.32 200.10 Td (these ) Tj ET Q q 0 0 0 rg BT 192.35 200.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 239.27 200.10 Td (could ) Tj ET Q q 0 0 0 rg BT 263.97 200.10 Td (have ) Tj ET Q q 0 0 0 rg BT 285.33 200.10 Td (a ) Tj ET Q q 0 0 0 rg BT 292.25 200.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 336.95 200.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 366.65 200.10 Td (on ) Tj ET Q q 0 0 0 rg BT 379.13 200.10 Td (our ) Tj ET Q q 0 0 0 rg BT 394.95 200.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 422.98 200.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.25 200.10 Td (operate, ) Tj ET Q q 0 0 0 rg BT 467.65 200.10 Td (our ) Tj ET Q q 0 0 0 rg BT 483.47 200.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 511.50 200.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.77 200.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 553.67 200.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.10 Td (open ) Tj ET Q q 0 0 0 rg BT 71.94 188.10 Td (new ) Tj ET Q q 0 0 0 rg BT 91.10 188.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 116.93 188.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 144.98 188.10 Td (result ) Tj ET Q q 0 0 0 rg BT 169.69 188.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.97 188.10 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 228.01 188.10 Td (fines. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 171.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 98.06 171.10 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 140.56 171.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 183.62 171.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 206.68 171.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 236.95 171.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 293.90 171.10 Td (may ) Tj ET Q q 0 0 0 rg BT 313.62 171.10 Td (require ) Tj ET Q q 0 0 0 rg BT 346.12 171.10 Td (heightened ) Tj ET Q q 0 0 0 rg BT 394.17 171.10 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (Both ) Tj ET Q q 0 0 0 rg BT 72.22 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 87.20 154.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 138.24 154.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 157.95 154.10 Td (which ) Tj ET Q q 0 0 0 rg BT 185.16 154.10 Td (reformed ) Tj ET Q q 0 0 0 rg BT 224.57 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.56 154.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 282.87 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.96 154.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 331.71 154.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 378.94 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 389.48 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 396.69 154.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 459.99 154.10 Td (manner) Tj ET Q q 0 0 0 rg BT 489.57 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 494.84 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.05 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.04 154.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 552.02 154.10 Td (III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.42 142.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 122.40 142.10 Td (reforms, ) Tj ET Q q 0 0 0 rg BT 158.32 142.10 Td (which ) Tj ET Q q 0 0 0 rg BT 185.08 142.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.16 142.10 Td (both ) Tj ET Q q 0 0 0 rg BT 240.27 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.81 142.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 287.13 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.90 142.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 333.99 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.65 142.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 373.63 142.10 Td (that ) Tj ET Q q 0 0 0 rg BT 390.95 142.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 428.25 142.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 475.03 142.10 Td (must ) Tj ET Q q 0 0 0 rg BT 496.81 142.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 516.91 142.10 Td (will ) Tj ET Q q 0 0 0 rg BT 534.79 142.10 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.20 130.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 93.72 130.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 150.29 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 152.16 130.10 Td (Specifically) Tj ET Q q 0 0 0 rg BT 199.27 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 203.64 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 213.29 130.10 Td (July ) Tj ET Q q 0 0 0 rg BT 231.82 130.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 256.19 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.28 130.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 289.93 130.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 319.55 130.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 353.64 130.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 397.72 130.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 436.80 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.88 130.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 515.52 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.72 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.80 130.10 Td (Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (III ) Tj ET Q q 0 0 0 rg BT 62.83 118.10 Td (Rule. ) Tj ET Q q 0 0 0 rg BT 86.86 118.10 Td (The ) Tj ET Q q 0 0 0 rg BT 105.25 118.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 130.31 118.10 Td (III ) Tj ET Q q 0 0 0 rg BT 143.15 118.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 164.88 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 174.39 118.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 218.32 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.95 118.10 Td (all ) Tj ET Q q 0 0 0 rg BT 241.79 118.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 262.41 118.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 288.59 118.10 Td (that ) Tj ET Q q 0 0 0 rg BT 306.43 118.10 Td (are ) Tj ET Q q 0 0 0 rg BT 321.48 118.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 352.65 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.27 118.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 405.01 118.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 434.50 118.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 489.55 118.10 Td (as ) Tj ET Q q 0 0 0 rg BT 500.72 118.10 Td (well ) Tj ET Q q 0 0 0 rg BT 520.78 118.10 Td (as ) Tj ET Q q 0 0 0 rg BT 531.96 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.58 118.10 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.68 106.10 Td (saving ) Tj ET Q q 0 0 0 rg BT 97.03 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.71 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 135.17 106.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 168.96 106.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 217.47 106.10 Td (other ) Tj ET Q q 0 0 0 rg BT 241.26 106.10 Td (than ) Tj ET Q q 0 0 0 rg BT 261.72 106.10 Td (small ) Tj ET Q q 0 0 0 rg BT 291.06 106.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 313.74 106.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 347.54 106.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 397.98 106.10 Td (\(generally ) Tj ET Q q 0 0 0 rg BT 441.75 106.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 464.43 106.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 498.23 106.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 544.24 106.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.51 94.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 129.81 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.11 94.10 Td (less ) Tj ET Q q 0 0 0 rg BT 159.08 94.10 Td (than ) Tj ET Q q 0 0 0 rg BT 179.26 94.10 Td ($500million\). ) Tj ET Q q 0 0 0 rg BT 239.24 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 257.75 94.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 282.94 94.10 Td (III ) Tj ET Q q 0 0 0 rg BT 295.90 94.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 317.75 94.10 Td (not ) Tj ET Q q 0 0 0 rg BT 333.50 94.10 Td (only ) Tj ET Q q 0 0 0 rg BT 354.25 94.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 393.86 94.10 Td (most ) Tj ET Q q 0 0 0 rg BT 416.28 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.58 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.76 94.10 Td (required ) Tj ET Q q 0 0 0 rg BT 479.05 94.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 520.91 94.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.04 82.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 106.15 82.10 Td (it ) Tj ET Q q 0 0 0 rg BT 114.09 82.10 Td (introduces ) Tj ET Q q 0 0 0 rg BT 158.14 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 164.96 82.10 Td (new ) Tj ET Q q 0 0 0 rg BT 184.01 82.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 223.63 82.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 252.51 82.10 Td (T) Tj ET Q q 0 0 0 rg BT 258.27 82.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 278.70 82.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 307.74 82.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 328.46 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.28 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.89 82.10 Td (concept ) Tj ET Q q 0 0 0 rg BT 393.37 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.09 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 410.92 82.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 439.96 82.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 493.44 82.10 Td (buf) Tj ET Q q 0 0 0 rg BT 506.59 82.10 Td (fer) Tj ET Q q 0 0 0 rg BT 517.14 82.10 Td (. ) Tj ET Q q 0 0 0 rg BT 521.85 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 539.79 82.10 Td (Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (III ) Tj ET Q q 0 0 0 rg BT 62.59 70.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 84.08 70.10 Td (also ) Tj ET Q q 0 0 0 rg BT 102.78 70.10 Td (expands ) Tj ET Q q 0 0 0 rg BT 138.15 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.97 70.10 Td (current ) Tj ET Q q 0 0 0 rg BT 183.88 70.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 225.36 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.29 70.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 265.54 70.10 Td (by ) Tj ET Q q 0 0 0 rg BT 278.14 70.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 328.51 70.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 371.10 70.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 402.01 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 419.61 70.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 448.85 70.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 498.12 70.10 Td (must ) Tj ET Q q 0 0 0 rg BT 520.17 70.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 542.20 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.58 70.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 94.72 58.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 139.16 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 144.91 58.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 164.76 58.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 193.20 58.10 Td (\(i.e.,) Tj ET Q q 0 0 0 rg BT 213.57 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 219.33 58.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 239.17 58.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 267.62 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 277.19 58.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 311.76 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.34 58.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 360.36 58.10 Td (Equity\) ) Tj ET Q q 0 0 0 rg BT 392.15 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.26 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 414.02 58.10 Td (ier2 ) Tj ET Q q 0 0 0 rg BT 433.86 58.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 464.41 58.10 Td (A) Tj ET Q q 0 0 0 rg BT 471.08 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 472.88 58.10 Td (number ) Tj ET Q q 0 0 0 rg BT 505.22 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.35 58.10 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (that ) Tj ET Q q 0 0 0 rg BT 68.02 46.10 Td (now ) Tj ET Q q 0 0 0 rg BT 88.27 46.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 128.50 46.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 159.85 46.10 Td (as ) Tj ET Q q 0 0 0 rg BT 170.99 46.10 Td (T) Tj ET Q q 0 0 0 rg BT 176.74 46.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 197.82 46.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 227.49 46.10 Td (will ) Tj ET Q q 0 0 0 rg BT 246.08 46.10 Td (not ) Tj ET Q q 0 0 0 rg BT 261.88 46.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 293.23 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.59 46.10 Td (their ) Tj ET Q q 0 0 0 rg BT 325.94 46.10 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 383.40 46.10 Td (will ) Tj ET Q q 0 0 0 rg BT 401.98 46.10 Td (change ) Tj ET Q q 0 0 0 rg BT 433.32 46.10 Td (when ) Tj ET Q q 0 0 0 rg BT 458.01 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.25 46.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 498.49 46.10 Td (III ) Tj ET Q q 0 0 0 rg BT 511.51 46.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 533.42 46.10 Td (is ) Tj ET Q q 0 0 0 rg BT 543.12 46.10 Td (fully ) Tj ET Q endstream endobj 67 0 obj <> endobj 68 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (33) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (implemented. ) Tj ET Q q 0 0 0 rg BT 107.54 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.17 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 128.55 742.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 153.60 742.10 Td (III ) Tj ET Q q 0 0 0 rg BT 166.42 742.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 188.14 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 204.31 742.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 251.57 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.62 742.10 Td (general ) Tj ET Q q 0 0 0 rg BT 298.88 742.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 336.70 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.86 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.91 742.10 Td (current ) Tj ET Q q 0 0 0 rg BT 394.06 742.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 425.78 742.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 468.58 742.10 Td (action ) Tj ET Q q 0 0 0 rg BT 495.85 742.10 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 539.79 742.10 Td (while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 106.67 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.67 730.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 162.22 730.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 219.72 730.10 Td (including ) Tj ET Q q 0 0 0 rg BT 260.28 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.29 730.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 315.31 730.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 344.57 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 350.33 730.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 371.17 730.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 400.61 730.10 Td (ratio. ) Tj ET Q q 0 0 0 rg BT 424.23 730.10 Td (In ) Tj ET Q q 0 0 0 rg BT 435.35 730.10 Td (order ) Tj ET Q q 0 0 0 rg BT 459.24 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 469.81 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 482.04 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 489.28 730.10 Td (well-capitalized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 94.61 718.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 137.56 718.10 Td (under ) Tj ET Q q 0 0 0 rg BT 162.72 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.32 718.10 Td (new ) Tj ET Q q 0 0 0 rg BT 196.37 718.10 Td (regime, ) Tj ET Q q 0 0 0 rg BT 229.03 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 240.86 718.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 283.81 718.10 Td (must ) Tj ET Q q 0 0 0 rg BT 305.65 718.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 343.03 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 349.86 718.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 389.47 718.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 418.35 718.10 Td (T) Tj ET Q q 0 0 0 rg BT 424.11 718.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 444.55 718.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 473.59 718.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 494.30 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.02 718.10 Td (6.5% ) Tj ET Q q 0 0 0 rg BT 528.25 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 538.97 718.10 Td (more, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.44 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 62.19 706.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 82.40 706.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 111.20 706.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 131.68 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.17 706.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 157.65 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 168.14 706.10 Td (more, ) Tj ET Q q 0 0 0 rg BT 193.34 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.93 706.10 Td (total ) Tj ET Q q 0 0 0 rg BT 219.86 706.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 248.66 706.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 269.14 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.63 706.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 300.11 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 310.60 706.10 Td (more, ) Tj ET Q q 0 0 0 rg BT 335.80 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.39 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 358.99 706.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 395.00 706.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 415.48 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.97 706.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 441.45 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 451.94 706.10 Td (more. ) Tj ET Q q 0 0 0 rg BT 477.14 706.10 Td (Institutions ) Tj ET Q q 0 0 0 rg BT 524.30 706.10 Td (must ) Tj ET Q q 0 0 0 rg BT 545.90 706.10 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 87.77 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 95.00 694.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 124.43 694.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 178.31 694.10 Td (buf) Tj ET Q q 0 0 0 rg BT 191.46 694.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 205.34 694.10 Td (consisting ) Tj ET Q q 0 0 0 rg BT 248.68 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.79 694.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 299.80 694.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 329.05 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 334.80 694.10 Td (ier1 ) Tj ET Q q 0 0 0 rg BT 355.63 694.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 387.57 694.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 427.56 694.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 474.80 694.10 Td (became ) Tj ET Q q 0 0 0 rg BT 508.11 694.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 539.22 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 694.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 74.72 682.10 Td (III ) Tj ET Q q 0 0 0 rg BT 87.21 682.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 108.59 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 121.09 682.10 Td (January1, ) Tj ET Q q 0 0 0 rg BT 164.69 682.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 187.19 682.10 Td (with ) Tj ET Q q 0 0 0 rg BT 207.47 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 214.41 682.10 Td (phase-in ) Tj ET Q q 0 0 0 rg BT 250.79 682.10 Td (period ) Tj ET Q q 0 0 0 rg BT 278.83 682.10 Td (through ) Tj ET Q q 0 0 0 rg BT 312.44 682.10 Td (2019 ) Tj ET Q q 0 0 0 rg BT 334.94 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 349.10 682.10 Td (many ) Tj ET Q q 0 0 0 rg BT 373.82 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.65 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.37 682.10 Td (changes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.22 665.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 133.66 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.66 665.10 Td (these ) Tj ET Q q 0 0 0 rg BT 167.88 665.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 214.72 665.10 Td (as ) Tj ET Q q 0 0 0 rg BT 225.72 665.10 Td (well ) Tj ET Q q 0 0 0 rg BT 245.61 665.10 Td (as ) Tj ET Q q 0 0 0 rg BT 256.61 665.10 Td (any ) Tj ET Q q 0 0 0 rg BT 273.72 665.10 Td (other ) Tj ET Q q 0 0 0 rg BT 296.94 665.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 328.49 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.50 665.10 Td (current ) Tj ET Q q 0 0 0 rg BT 370.48 665.10 Td (or ) Tj ET Q q 0 0 0 rg BT 381.49 665.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 420.82 665.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 464.58 665.10 Td (or ) Tj ET Q q 0 0 0 rg BT 475.59 665.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 519.36 665.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.24 665.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 71.47 653.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 115.71 653.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.63 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.99 653.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 180.12 653.10 Td (industry) Tj ET Q q 0 0 0 rg BT 212.25 653.10 Td (, ) Tj ET Q q 0 0 0 rg BT 217.89 653.10 Td (will ) Tj ET Q q 0 0 0 rg BT 236.59 653.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 266.95 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.31 653.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 333.22 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.70 653.10 Td (our ) Tj ET Q q 0 0 0 rg BT 361.17 653.10 Td (business ) Tj ET Q q 0 0 0 rg BT 398.21 653.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 437.45 653.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.03 653.10 Td (may ) Tj ET Q q 0 0 0 rg BT 475.40 653.10 Td (change ) Tj ET Q q 0 0 0 rg BT 506.86 653.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 537.20 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.68 653.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.10 Td (business ) Tj ET Q q 0 0 0 rg BT 85.19 641.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 124.52 641.10 Td (including ) Tj ET Q q 0 0 0 rg BT 163.59 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.11 641.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 203.96 641.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.03 641.10 Td (of) Tj ET Q q 0 0 0 rg BT 221.18 641.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 233.58 641.10 Td (new ) Tj ET Q q 0 0 0 rg BT 251.54 641.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 289.77 641.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 316.06 641.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 357.63 641.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 383.90 641.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 420.48 641.10 Td (make ) Tj ET Q q 0 0 0 rg BT 443.43 641.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 468.34 641.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.08 641.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 515.91 641.10 Td (satisfactory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 629.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.07 629.10 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 117.20 629.10 Td (and ) Tj ET Q q 0 0 0 rg BT 134.28 629.10 Td (could ) Tj ET Q q 0 0 0 rg BT 159.13 629.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 189.54 629.10 Td (us ) Tj ET Q q 0 0 0 rg BT 201.07 629.10 Td (to ) Tj ET Q q 0 0 0 rg BT 211.48 629.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 254.11 629.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 279.25 629.10 Td (including ) Tj ET Q q 0 0 0 rg BT 319.66 629.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 360.06 629.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 408.78 629.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 433.73 629.10 Td (These ) Tj ET Q q 0 0 0 rg BT 460.24 629.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 495.09 629.10 Td (also ) Tj ET Q q 0 0 0 rg BT 513.84 629.10 Td (may ) Tj ET Q q 0 0 0 rg BT 533.69 629.10 Td (require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 617.10 Td (us ) Tj ET Q q 0 0 0 rg BT 61.19 617.10 Td (to ) Tj ET Q q 0 0 0 rg BT 71.26 617.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 97.45 617.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 141.96 617.10 Td (management ) Tj ET Q q 0 0 0 rg BT 195.34 617.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 232.63 617.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.37 617.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 289.42 617.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.50 617.10 Td (make ) Tj ET Q q 0 0 0 rg BT 323.45 617.10 Td (any ) Tj ET Q q 0 0 0 rg BT 340.19 617.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 381.35 617.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 415.86 617.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.93 617.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 469.89 617.10 Td (in ) Tj ET Q q 0 0 0 rg BT 479.96 617.10 Td (order ) Tj ET Q q 0 0 0 rg BT 503.36 617.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.43 617.10 Td (comply) Tj ET Q q 0 0 0 rg BT 542.78 617.10 Td (, ) Tj ET Q q 0 0 0 rg BT 547.58 617.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.69 605.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 113.25 605.10 Td (also ) Tj ET Q q 0 0 0 rg BT 131.83 605.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 174.84 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.76 605.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 232.55 605.10 Td (af) Tj ET Q q 0 0 0 rg BT 240.14 605.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 257.60 605.10 Td (our ) Tj ET Q q 0 0 0 rg BT 273.40 605.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 312.27 605.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 349.72 605.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 389.97 605.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.88 605.10 Td (results ) Tj ET Q q 0 0 0 rg BT 435.47 605.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.27 605.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 492.90 605.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 510.93 605.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 593.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.54 593.10 Td (actively ) Tj ET Q q 0 0 0 rg BT 94.05 593.10 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 136.90 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.99 593.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 196.52 593.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.72 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.80 593.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 273.92 593.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 291.22 593.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.53 593.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.61 593.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 348.69 593.10 Td (III ) Tj ET Q q 0 0 0 rg BT 361.55 593.10 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 385.80 593.10 Td (many ) Tj ET Q q 0 0 0 rg BT 410.89 593.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.08 593.10 Td (which ) Tj ET Q q 0 0 0 rg BT 449.39 593.10 Td (are ) Tj ET Q q 0 0 0 rg BT 464.46 593.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.10 593.10 Td (be ) Tj ET Q q 0 0 0 rg BT 487.41 593.10 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 529.15 593.10 Td (over ) Tj ET Q q 0 0 0 rg BT 549.79 593.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 581.10 Td (next ) Tj ET Q q 0 0 0 rg BT 69.22 581.10 Td (several ) Tj ET Q q 0 0 0 rg BT 99.54 581.10 Td (months ) Tj ET Q q 0 0 0 rg BT 130.99 581.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.43 581.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 173.03 581.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.47 581.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 228.69 581.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.91 581.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 279.90 581.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 309.11 581.10 Td (on ) Tj ET Q q 0 0 0 rg BT 321.11 581.10 Td (our ) Tj ET Q q 0 0 0 rg BT 336.45 581.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 382.60 581.10 Td (However) Tj ET Q q 0 0 0 rg BT 418.85 581.10 Td (, ) Tj ET Q q 0 0 0 rg BT 423.35 581.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.57 581.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 472.34 581.10 Td (ef) Tj ET Q q 0 0 0 rg BT 479.93 581.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 496.92 581.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.25 581.10 Td (these ) Tj ET Q q 0 0 0 rg BT 529.80 581.10 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 569.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 569.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.22 569.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 114.70 569.10 Td (services ) Tj ET Q q 0 0 0 rg BT 149.40 569.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 184.68 569.10 Td (in ) Tj ET Q q 0 0 0 rg BT 194.96 569.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 229.38 569.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.32 569.10 Td (us ) Tj ET Q q 0 0 0 rg BT 257.71 569.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.99 569.10 Td (particular) Tj ET Q q 0 0 0 rg BT 305.90 569.10 Td (, ) Tj ET Q q 0 0 0 rg BT 310.90 569.10 Td (is ) Tj ET Q q 0 0 0 rg BT 320.07 569.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 359.78 569.10 Td (at ) Tj ET Q q 0 0 0 rg BT 369.49 569.10 Td (this ) Tj ET Q q 0 0 0 rg BT 386.44 569.10 Td (time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 552.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.61 552.10 Td (October ) Tj ET Q q 0 0 0 rg BT 95.09 552.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 119.87 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.36 552.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 166.62 552.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 201.11 552.10 Td (published ) Tj ET Q q 0 0 0 rg BT 242.27 552.10 Td (a ) Tj ET Q q 0 0 0 rg BT 248.99 552.10 Td (final ) Tj ET Q q 0 0 0 rg BT 269.59 552.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 287.41 552.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 345.24 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.73 552.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 384.23 552.10 Td (test ) Tj ET Q q 0 0 0 rg BT 400.39 552.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 454.87 552.10 Td (under ) Tj ET Q q 0 0 0 rg BT 479.92 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.41 552.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 545.07 552.10 Td (Act, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 540.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.42 540.10 Td (are ) Tj ET Q q 0 0 0 rg BT 90.61 540.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 128.14 540.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.90 540.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 173.19 540.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.39 540.10 Td (suf) Tj ET Q q 0 0 0 rg BT 199.43 540.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 233.62 540.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.93 540.10 Td (a ) Tj ET Q q 0 0 0 rg BT 250.35 540.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 284.55 540.10 Td (or) Tj ET Q q 0 0 0 rg BT 292.70 540.10 Td (ganization's ) Tj ET Q q 0 0 0 rg BT 342.03 540.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 370.66 540.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.42 540.10 Td (support ) Tj ET Q q 0 0 0 rg BT 412.40 540.10 Td (its ) Tj ET Q q 0 0 0 rg BT 423.83 540.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 467.47 540.10 Td (during ) Tj ET Q q 0 0 0 rg BT 495.56 540.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 526.98 540.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.29 540.10 Td (stress. ) Tj ET Q q 0 0 0 rg BT 564.52 540.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 528.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.93 528.10 Td (a ) Tj ET Q q 0 0 0 rg BT 71.18 528.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 93.43 528.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 126.80 528.10 Td (company ) Tj ET Q q 0 0 0 rg BT 166.27 528.10 Td (with ) Tj ET Q q 0 0 0 rg BT 186.86 528.10 Td (between ) Tj ET Q q 0 0 0 rg BT 222.99 528.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 240.81 528.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 269.73 528.10 Td (and ) Tj ET Q q 0 0 0 rg BT 286.99 528.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 304.80 528.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 333.73 528.10 Td (in ) Tj ET Q q 0 0 0 rg BT 344.32 528.10 Td (total ) Tj ET Q q 0 0 0 rg BT 364.91 528.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 418.26 528.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 446.91 528.10 Td (we ) Tj ET Q q 0 0 0 rg BT 461.38 528.10 Td (were ) Tj ET Q q 0 0 0 rg BT 483.63 528.10 Td (required ) Tj ET Q q 0 0 0 rg BT 519.75 528.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.35 528.10 Td (conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 516.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 79.90 516.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 105.38 516.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 126.40 516.10 Td (based ) Tj ET Q q 0 0 0 rg BT 152.42 516.10 Td (on ) Tj ET Q q 0 0 0 rg BT 165.67 516.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 206.13 516.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 244.92 516.10 Td (by ) Tj ET Q q 0 0 0 rg BT 258.17 516.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.64 516.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 306.88 516.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 344.83 516.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 388.08 516.10 Td (in ) Tj ET Q q 0 0 0 rg BT 399.10 516.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.57 516.10 Td (fall ) Tj ET Q q 0 0 0 rg BT 431.15 516.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.72 516.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 468.47 516.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.16 516.10 Td (will ) Tj ET Q q 0 0 0 rg BT 504.97 516.10 Td (be ) Tj ET Q q 0 0 0 rg BT 517.66 516.10 Td (required ) Tj ET Q q 0 0 0 rg BT 554.22 516.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 504.10 Td (publicly ) Tj ET Q q 0 0 0 rg BT 85.67 504.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 120.79 504.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.91 504.10 Td (results ) Tj ET Q q 0 0 0 rg BT 164.92 504.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.15 504.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.38 504.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 217.50 504.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 238.18 504.10 Td (going ) Tj ET Q q 0 0 0 rg BT 263.86 504.10 Td (forward. ) Tj ET Q q 0 0 0 rg BT 300.91 504.10 Td ( ) Tj ET Q q 0 0 0 rg BT 303.60 504.10 Td (This ) Tj ET Q q 0 0 0 rg BT 324.28 504.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 349.40 504.10 Td (test ) Tj ET Q q 0 0 0 rg BT 366.19 504.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 417.40 504.10 Td (has ) Tj ET Q q 0 0 0 rg BT 433.63 504.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 474.28 504.10 Td (our ) Tj ET Q q 0 0 0 rg BT 490.51 504.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 539.50 504.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 564.50 504.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 492.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 492.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.67 492.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 107.13 492.10 Td (that ) Tj ET Q q 0 0 0 rg BT 124.72 492.10 Td (our ) Tj ET Q q 0 0 0 rg BT 140.65 492.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 156.57 492.10 Td (forma ) Tj ET Q q 0 0 0 rg BT 183.04 492.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 212.29 492.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 239.60 492.10 Td (as ) Tj ET Q q 0 0 0 rg BT 250.52 492.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 288.09 492.10 Td (in ) Tj ET Q q 0 0 0 rg BT 298.46 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.27 492.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 338.09 492.10 Td (test ) Tj ET Q q 0 0 0 rg BT 354.57 492.10 Td (calculations ) Tj ET Q q 0 0 0 rg BT 404.92 492.10 Td (under ) Tj ET Q q 0 0 0 rg BT 430.28 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.09 492.10 Td (required ) Tj ET Q q 0 0 0 rg BT 481.00 492.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 505.82 492.10 Td (test ) Tj ET Q q 0 0 0 rg BT 522.30 492.10 Td (scenarios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 480.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.39 480.10 Td (be ) Tj ET Q q 0 0 0 rg BT 80.67 480.10 Td (an ) Tj ET Q q 0 0 0 rg BT 92.94 480.10 Td (important ) Tj ET Q q 0 0 0 rg BT 134.66 480.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 160.81 480.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 206.96 480.10 Td (by ) Tj ET Q q 0 0 0 rg BT 219.80 480.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.85 480.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 267.67 480.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 302.71 480.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 329.99 480.10 Td (in ) Tj ET Q q 0 0 0 rg BT 340.60 480.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 385.09 480.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 420.13 480.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 459.63 480.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 500.79 480.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.96 480.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 553.68 480.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 468.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 73.86 468.10 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 123.82 468.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.78 468.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 181.53 468.10 Td (with ) Tj ET Q q 0 0 0 rg BT 202.07 468.10 Td (its ) Tj ET Q q 0 0 0 rg BT 214.27 468.10 Td (prudential ) Tj ET Q q 0 0 0 rg BT 257.57 468.10 Td (expectations. ) Tj ET Q q 0 0 0 rg BT 312.81 468.10 Td ( ) Tj ET Q q 0 0 0 rg BT 315.56 468.10 Td (Requirements ) Tj ET Q q 0 0 0 rg BT 373.86 468.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.40 468.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 422.14 468.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 450.45 468.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 476.53 468.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.61 468.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 517.02 468.10 Td (or ) Tj ET Q q 0 0 0 rg BT 528.11 468.10 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 456.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 456.10 Td (address ) Tj ET Q q 0 0 0 rg BT 92.77 456.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 130.26 456.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 163.30 456.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 188.02 456.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 227.72 456.10 Td (could ) Tj ET Q q 0 0 0 rg BT 252.44 456.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 293.26 456.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 322.97 456.10 Td (our ) Tj ET Q q 0 0 0 rg BT 338.80 456.10 Td (net ) Tj ET Q q 0 0 0 rg BT 353.52 456.10 Td (income ) Tj ET Q q 0 0 0 rg BT 385.45 456.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.39 456.10 Td (our ) Tj ET Q q 0 0 0 rg BT 418.22 456.10 Td (return ) Tj ET Q q 0 0 0 rg BT 444.59 456.10 Td (on ) Tj ET Q q 0 0 0 rg BT 457.09 456.10 Td (equity) Tj ET Q q 0 0 0 rg BT 481.44 456.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 433.70 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.17 433.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 96.13 433.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 139.75 433.70 Td (premiums ) Tj ET Q q 0 0 0 rg BT 183.37 433.70 Td (may ) Tj ET Q q 0 0 0 rg BT 203.09 433.70 Td (increase, ) Tj ET Q q 0 0 0 rg BT 242.52 433.70 Td (which ) Tj ET Q q 0 0 0 rg BT 270.03 433.70 Td (could ) Tj ET Q q 0 0 0 rg BT 295.31 433.70 Td (negatively ) Tj ET Q q 0 0 0 rg BT 339.46 433.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 369.74 433.70 Td (our ) Tj ET Q q 0 0 0 rg BT 386.69 433.70 Td (results ) Tj ET Q q 0 0 0 rg BT 416.42 433.70 Td (of ) Tj ET Q q 0 0 0 rg BT 427.25 433.70 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.70 Td (Recent ) Tj ET Q q 0 0 0 rg BT 79.63 416.70 Td (insured ) Tj ET Q q 0 0 0 rg BT 110.94 416.70 Td (institution ) Tj ET Q q 0 0 0 rg BT 153.37 416.70 Td (failures, ) Tj ET Q q 0 0 0 rg BT 187.73 416.70 Td (as ) Tj ET Q q 0 0 0 rg BT 197.93 416.70 Td (well ) Tj ET Q q 0 0 0 rg BT 217.02 416.70 Td (as ) Tj ET Q q 0 0 0 rg BT 227.22 416.70 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 280.18 416.70 Td (in ) Tj ET Q q 0 0 0 rg BT 289.82 416.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 323.91 416.70 Td (and ) Tj ET Q q 0 0 0 rg BT 340.22 416.70 Td (economic ) Tj ET Q q 0 0 0 rg BT 380.96 416.70 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 427.00 416.70 Td (have ) Tj ET Q q 0 0 0 rg BT 447.74 416.70 Td (significantly ) Tj ET Q q 0 0 0 rg BT 499.60 416.70 Td (increased ) Tj ET Q q 0 0 0 rg BT 539.23 416.70 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 404.70 Td (loss ) Tj ET Q q 0 0 0 rg BT 69.06 404.70 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 116.73 404.70 Td (resulting ) Tj ET Q q 0 0 0 rg BT 155.22 404.70 Td (in ) Tj ET Q q 0 0 0 rg BT 166.50 404.70 Td (a ) Tj ET Q q 0 0 0 rg BT 174.44 404.70 Td (decline ) Tj ET Q q 0 0 0 rg BT 206.81 404.70 Td (of ) Tj ET Q q 0 0 0 rg BT 218.64 404.70 Td (its ) Tj ET Q q 0 0 0 rg BT 231.58 404.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 263.97 404.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 305.78 404.70 Td (fund ) Tj ET Q q 0 0 0 rg BT 327.61 404.70 Td (to ) Tj ET Q q 0 0 0 rg BT 338.89 404.70 Td (historical ) Tj ET Q q 0 0 0 rg BT 379.60 404.70 Td (lows. ) Tj ET Q q 0 0 0 rg BT 404.49 404.70 Td (In ) Tj ET Q q 0 0 0 rg BT 416.32 404.70 Td (addition, ) Tj ET Q q 0 0 0 rg BT 455.09 404.70 Td (the ) Tj ET Q q 0 0 0 rg BT 470.80 404.70 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 522.41 404.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 540.35 404.70 Td (made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.70 Td (permanent ) Tj ET Q q 0 0 0 rg BT 94.86 392.70 Td (a ) Tj ET Q q 0 0 0 rg BT 101.96 392.70 Td (temporary ) Tj ET Q q 0 0 0 rg BT 145.72 392.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 181.13 392.70 Td (in ) Tj ET Q q 0 0 0 rg BT 191.57 392.70 Td (the ) Tj ET Q q 0 0 0 rg BT 206.45 392.70 Td (limit ) Tj ET Q q 0 0 0 rg BT 228.00 392.70 Td (on ) Tj ET Q q 0 0 0 rg BT 240.66 392.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 266.11 392.70 Td (coverage ) Tj ET Q q 0 0 0 rg BT 304.85 392.70 Td (to ) Tj ET Q q 0 0 0 rg BT 315.29 392.70 Td ($250,000 ) Tj ET Q q 0 0 0 rg BT 355.45 392.70 Td (per ) Tj ET Q q 0 0 0 rg BT 370.88 392.70 Td (depositor) Tj ET Q q 0 0 0 rg BT 407.55 392.70 Td (. ) Tj ET Q q 0 0 0 rg BT 412.52 392.70 Td (These ) Tj ET Q q 0 0 0 rg BT 439.06 392.70 Td (developments ) Tj ET Q q 0 0 0 rg BT 497.26 392.70 Td (have ) Tj ET Q q 0 0 0 rg BT 518.80 392.70 Td (caused ) Tj ET Q q 0 0 0 rg BT 548.67 392.70 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 74.90 380.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 115.33 380.70 Td (premiums ) Tj ET Q q 0 0 0 rg BT 157.44 380.70 Td (to ) Tj ET Q q 0 0 0 rg BT 167.33 380.70 Td (increase, ) Tj ET Q q 0 0 0 rg BT 204.70 380.70 Td (and ) Tj ET Q q 0 0 0 rg BT 221.26 380.70 Td (may ) Tj ET Q q 0 0 0 rg BT 240.59 380.70 Td (cause ) Tj ET Q q 0 0 0 rg BT 264.91 380.70 Td (additional ) Tj ET Q q 0 0 0 rg BT 307.02 380.70 Td (increases. ) Tj ET Q q 0 0 0 rg BT 348.28 380.70 Td (Certain ) Tj ET Q q 0 0 0 rg BT 379.83 380.70 Td (provisions ) Tj ET Q q 0 0 0 rg BT 423.62 380.70 Td (of ) Tj ET Q q 0 0 0 rg BT 434.06 380.70 Td (the ) Tj ET Q q 0 0 0 rg BT 448.39 380.70 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 498.92 380.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 515.48 380.70 Td (may ) Tj ET Q q 0 0 0 rg BT 534.81 380.70 Td (further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.70 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 368.70 Td (fect ) Tj ET Q q 0 0 0 rg BT 74.53 368.70 Td (our ) Tj ET Q q 0 0 0 rg BT 89.81 368.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 114.54 368.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 154.81 368.70 Td (premiums. ) Tj ET Q q 0 0 0 rg BT 199.12 368.70 Td (The ) Tj ET Q q 0 0 0 rg BT 216.62 368.70 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 267.02 368.70 Td (Act ) Tj ET Q q 0 0 0 rg BT 283.41 368.70 Td (includes ) Tj ET Q q 0 0 0 rg BT 318.69 368.70 Td (provisions ) Tj ET Q q 0 0 0 rg BT 362.31 368.70 Td (that ) Tj ET Q q 0 0 0 rg BT 379.26 368.70 Td (change ) Tj ET Q q 0 0 0 rg BT 409.52 368.70 Td (the ) Tj ET Q q 0 0 0 rg BT 423.69 368.70 Td (assessment ) Tj ET Q q 0 0 0 rg BT 470.08 368.70 Td (base ) Tj ET Q q 0 0 0 rg BT 489.80 368.70 Td (for ) Tj ET Q q 0 0 0 rg BT 503.42 368.70 Td (federal ) Tj ET Q q 0 0 0 rg BT 533.12 368.70 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 91.50 356.70 Td (from ) Tj ET Q q 0 0 0 rg BT 114.12 356.70 Td (the ) Tj ET Q q 0 0 0 rg BT 129.52 356.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 162.70 356.70 Td (of ) Tj ET Q q 0 0 0 rg BT 174.21 356.70 Td (insured ) Tj ET Q q 0 0 0 rg BT 206.84 356.70 Td (deposits ) Tj ET Q q 0 0 0 rg BT 242.80 356.70 Td (to ) Tj ET Q q 0 0 0 rg BT 253.76 356.70 Td (average ) Tj ET Q q 0 0 0 rg BT 288.03 356.70 Td (total ) Tj ET Q q 0 0 0 rg BT 308.98 356.70 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 362.71 356.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 389.22 356.70 Td (less ) Tj ET Q q 0 0 0 rg BT 407.41 356.70 Td (average ) Tj ET Q q 0 0 0 rg BT 441.67 356.70 Td (tangible ) Tj ET Q q 0 0 0 rg BT 477.07 356.70 Td (capital, ) Tj ET Q q 0 0 0 rg BT 509.40 356.70 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 549.79 356.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.70 Td (maximum ) Tj ET Q q 0 0 0 rg BT 92.71 344.70 Td (size ) Tj ET Q q 0 0 0 rg BT 110.41 344.70 Td (of ) Tj ET Q q 0 0 0 rg BT 120.90 344.70 Td (the ) Tj ET Q q 0 0 0 rg BT 135.27 344.70 Td (DIF) Tj ET Q q 0 0 0 rg BT 150.59 344.70 Td (, ) Tj ET Q q 0 0 0 rg BT 155.24 344.70 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 194.61 344.70 Td (the ) Tj ET Q q 0 0 0 rg BT 208.98 344.70 Td (requirement ) Tj ET Q q 0 0 0 rg BT 259.45 344.70 Td (that ) Tj ET Q q 0 0 0 rg BT 276.60 344.70 Td (the ) Tj ET Q q 0 0 0 rg BT 290.98 344.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 315.92 344.70 Td (pay ) Tj ET Q q 0 0 0 rg BT 332.51 344.70 Td (dividends ) Tj ET Q q 0 0 0 rg BT 373.56 344.70 Td (to ) Tj ET Q q 0 0 0 rg BT 383.49 344.70 Td (depository ) Tj ET Q q 0 0 0 rg BT 427.87 344.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 474.48 344.70 Td (when ) Tj ET Q q 0 0 0 rg BT 498.29 344.70 Td (the ) Tj ET Q q 0 0 0 rg BT 512.67 344.70 Td (reserve ) Tj ET Q q 0 0 0 rg BT 543.69 344.70 Td (ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.70 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 84.02 332.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 113.59 332.70 Td (thresholds, ) Tj ET Q q 0 0 0 rg BT 159.57 332.70 Td (and ) Tj ET Q q 0 0 0 rg BT 176.38 332.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 211.51 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 226.10 332.70 Td (minimum ) Tj ET Q q 0 0 0 rg BT 267.36 332.70 Td (reserve ) Tj ET Q q 0 0 0 rg BT 298.60 332.70 Td (ratio ) Tj ET Q q 0 0 0 rg BT 319.30 332.70 Td (of ) Tj ET Q q 0 0 0 rg BT 330.00 332.70 Td (the ) Tj ET Q q 0 0 0 rg BT 344.59 332.70 Td (DIF ) Tj ET Q q 0 0 0 rg BT 363.07 332.70 Td (from ) Tj ET Q q 0 0 0 rg BT 384.88 332.70 Td (1.15% ) Tj ET Q q 0 0 0 rg BT 413.09 332.70 Td (to ) Tj ET Q q 0 0 0 rg BT 423.24 332.70 Td (1.35%. ) Tj ET Q q 0 0 0 rg BT 453.94 332.70 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 497.98 332.70 Td (in ) Tj ET Q q 0 0 0 rg BT 508.13 332.70 Td (late ) Tj ET Q q 0 0 0 rg BT 524.93 332.70 Td (2010, ) Tj ET Q q 0 0 0 rg BT 549.80 332.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.70 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 75.85 320.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 103.92 320.70 Td (regulations ) Tj ET Q q 0 0 0 rg BT 151.42 320.70 Td (implementing ) Tj ET Q q 0 0 0 rg BT 210.04 320.70 Td (some ) Tj ET Q q 0 0 0 rg BT 234.22 320.70 Td (of ) Tj ET Q q 0 0 0 rg BT 245.62 320.70 Td (these ) Tj ET Q q 0 0 0 rg BT 269.23 320.70 Td (changes. ) Tj ET Q q 0 0 0 rg BT 306.79 320.70 Td (There ) Tj ET Q q 0 0 0 rg BT 333.17 320.70 Td (is ) Tj ET Q q 0 0 0 rg BT 342.91 320.70 Td (a ) Tj ET Q q 0 0 0 rg BT 350.42 320.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 368.48 320.70 Td (that ) Tj ET Q q 0 0 0 rg BT 386.55 320.70 Td (the ) Tj ET Q q 0 0 0 rg BT 401.83 320.70 Td (banks' ) Tj ET Q q 0 0 0 rg BT 430.03 320.70 Td (deposit ) Tj ET Q q 0 0 0 rg BT 461.99 320.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 503.37 320.70 Td (premiums ) Tj ET Q q 0 0 0 rg BT 546.44 320.70 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.70 Td (continue ) Tj ET Q q 0 0 0 rg BT 87.15 308.70 Td (to ) Tj ET Q q 0 0 0 rg BT 97.64 308.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 133.10 308.70 Td (if ) Tj ET Q q 0 0 0 rg BT 141.92 308.70 Td (failures ) Tj ET Q q 0 0 0 rg BT 174.62 308.70 Td (of ) Tj ET Q q 0 0 0 rg BT 185.66 308.70 Td (insured ) Tj ET Q q 0 0 0 rg BT 217.81 308.70 Td (depository ) Tj ET Q q 0 0 0 rg BT 262.74 308.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 309.91 308.70 Td (continue ) Tj ET Q q 0 0 0 rg BT 347.06 308.70 Td (to ) Tj ET Q q 0 0 0 rg BT 357.55 308.70 Td (deplete ) Tj ET Q q 0 0 0 rg BT 389.13 308.70 Td (the ) Tj ET Q q 0 0 0 rg BT 404.06 308.70 Td (DIF) Tj ET Q q 0 0 0 rg BT 419.37 308.70 Td (. ) Tj ET Q q 0 0 0 rg BT 423.99 308.70 Td (Any ) Tj ET Q q 0 0 0 rg BT 443.92 308.70 Td (such ) Tj ET Q q 0 0 0 rg BT 464.96 308.70 Td (increase ) Tj ET Q q 0 0 0 rg BT 500.43 308.70 Td (may ) Tj ET Q q 0 0 0 rg BT 520.36 308.70 Td (negatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.70 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.71 296.70 Td (our ) Tj ET Q q 0 0 0 rg BT 95.54 296.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 133.02 296.70 Td (condition ) Tj ET Q q 0 0 0 rg BT 173.30 296.70 Td (and ) Tj ET Q q 0 0 0 rg BT 190.23 296.70 Td (results ) Tj ET Q q 0 0 0 rg BT 218.84 296.70 Td (of ) Tj ET Q q 0 0 0 rg BT 229.67 296.70 Td (operations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 274.30 Td (Non-compliance ) Tj ET Q q 0 0 0 rg BT 120.07 274.30 Td (with ) Tj ET Q q 0 0 0 rg BT 139.61 274.30 Td (the ) Tj ET Q q 0 0 0 rg BT 154.14 274.30 Td (USA) Tj ET Q q 0 0 0 rg BT 173.04 274.30 Td ( ) Tj ET Q q 0 0 0 rg BT 174.79 274.30 Td (P) Tj ET Q q 0 0 0 rg BT 180.15 274.30 Td (A) Tj ET Q q 0 0 0 rg BT 186.27 274.30 Td (TRIOT ) Tj ET Q q 0 0 0 rg BT 217.76 274.30 Td (Act, ) Tj ET Q q 0 0 0 rg BT 235.89 274.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 259.87 274.30 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 293.01 274.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 308.64 274.30 Td (or ) Tj ET Q q 0 0 0 rg BT 319.28 274.30 Td (other ) Tj ET Q q 0 0 0 rg BT 342.70 274.30 Td (laws ) Tj ET Q q 0 0 0 rg BT 362.79 274.30 Td (and ) Tj ET Q q 0 0 0 rg BT 380.10 274.30 Td (regulations ) Tj ET Q q 0 0 0 rg BT 428.52 274.30 Td (could ) Tj ET Q q 0 0 0 rg BT 453.05 274.30 Td (result ) Tj ET Q q 0 0 0 rg BT 478.14 274.30 Td (in ) Tj ET Q q 0 0 0 rg BT 488.23 274.30 Td (fines ) Tj ET Q q 0 0 0 rg BT 509.97 274.30 Td (or ) Tj ET Q q 0 0 0 rg BT 520.61 274.30 Td (sanctions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.06 250.30 Td (USA) Tj ET Q q 0 0 0 rg BT 86.51 250.30 Td ( ) Tj ET Q q 0 0 0 rg BT 88.03 250.30 Td (P) Tj ET Q q 0 0 0 rg BT 92.67 250.30 Td (A) Tj ET Q q 0 0 0 rg BT 98.78 250.30 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 128.04 250.30 Td ( ) Tj ET Q q 0 0 0 rg BT 129.22 250.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 145.17 250.30 Td (and ) Tj ET Q q 0 0 0 rg BT 161.12 250.30 Td (the ) Tj ET Q q 0 0 0 rg BT 174.85 250.30 Td (Bank ) Tj ET Q q 0 0 0 rg BT 197.47 250.30 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 230.30 250.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 246.25 250.30 Td (require ) Tj ET Q q 0 0 0 rg BT 276.08 250.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.57 250.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 358.53 250.30 Td (to ) Tj ET Q q 0 0 0 rg BT 367.83 250.30 Td (develop ) Tj ET Q q 0 0 0 rg BT 400.99 250.30 Td (programs ) Tj ET Q q 0 0 0 rg BT 440.27 250.30 Td (to ) Tj ET Q q 0 0 0 rg BT 449.57 250.30 Td (prevent ) Tj ET Q q 0 0 0 rg BT 481.06 250.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.56 250.30 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.30 Td (from ) Tj ET Q q 0 0 0 rg BT 72.15 238.30 Td (being ) Tj ET Q q 0 0 0 rg BT 97.09 238.30 Td (used ) Tj ET Q q 0 0 0 rg BT 118.13 238.30 Td (for ) Tj ET Q q 0 0 0 rg BT 132.51 238.30 Td (money ) Tj ET Q q 0 0 0 rg BT 162.44 238.30 Td (laundering ) Tj ET Q q 0 0 0 rg BT 207.92 238.30 Td (or ) Tj ET Q q 0 0 0 rg BT 218.97 238.30 Td (the ) Tj ET Q q 0 0 0 rg BT 233.90 238.30 Td (funding ) Tj ET Q q 0 0 0 rg BT 267.73 238.30 Td (of ) Tj ET Q q 0 0 0 rg BT 278.77 238.30 Td (terrorist ) Tj ET Q q 0 0 0 rg BT 313.15 238.30 Td (activities. ) Tj ET Q q 0 0 0 rg BT 354.46 238.30 Td ( ) Tj ET Q q 0 0 0 rg BT 357.18 238.30 Td (If ) Tj ET Q q 0 0 0 rg BT 366.55 238.30 Td (such ) Tj ET Q q 0 0 0 rg BT 387.60 238.30 Td (activities ) Tj ET Q q 0 0 0 rg BT 426.42 238.30 Td (are ) Tj ET Q q 0 0 0 rg BT 441.34 238.30 Td (detected, ) Tj ET Q q 0 0 0 rg BT 479.87 238.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.56 238.30 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.30 Td (are ) Tj ET Q q 0 0 0 rg BT 63.52 226.30 Td (obligated ) Tj ET Q q 0 0 0 rg BT 102.04 226.30 Td (to ) Tj ET Q q 0 0 0 rg BT 111.13 226.30 Td (file ) Tj ET Q q 0 0 0 rg BT 125.77 226.30 Td (suspicious ) Tj ET Q q 0 0 0 rg BT 168.75 226.30 Td (activity ) Tj ET Q q 0 0 0 rg BT 200.06 226.30 Td (reports ) Tj ET Q q 0 0 0 rg BT 229.14 226.30 Td (with ) Tj ET Q q 0 0 0 rg BT 248.23 226.30 Td (FinCEN. ) Tj ET Q q 0 0 0 rg BT 285.38 226.30 Td ( ) Tj ET Q q 0 0 0 rg BT 286.60 226.30 Td (These ) Tj ET Q q 0 0 0 rg BT 311.79 226.30 Td (rules ) Tj ET Q q 0 0 0 rg BT 332.54 226.30 Td (require ) Tj ET Q q 0 0 0 rg BT 362.17 226.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 390.68 226.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 426.98 226.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 472.74 226.30 Td (to ) Tj ET Q q 0 0 0 rg BT 481.83 226.30 Td (establish ) Tj ET Q q 0 0 0 rg BT 518.14 226.30 Td (procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.30 Td (for ) Tj ET Q q 0 0 0 rg BT 64.45 214.30 Td (identifying ) Tj ET Q q 0 0 0 rg BT 111.12 214.30 Td (and ) Tj ET Q q 0 0 0 rg BT 128.34 214.30 Td (verifying ) Tj ET Q q 0 0 0 rg BT 167.78 214.30 Td (the ) Tj ET Q q 0 0 0 rg BT 182.79 214.30 Td (identity ) Tj ET Q q 0 0 0 rg BT 216.13 214.30 Td (of ) Tj ET Q q 0 0 0 rg BT 227.24 214.30 Td (customers ) Tj ET Q q 0 0 0 rg BT 270.58 214.30 Td (seeking ) Tj ET Q q 0 0 0 rg BT 303.91 214.30 Td (to ) Tj ET Q q 0 0 0 rg BT 314.48 214.30 Td (open ) Tj ET Q q 0 0 0 rg BT 336.70 214.30 Td (new ) Tj ET Q q 0 0 0 rg BT 356.15 214.30 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 396.42 214.30 Td ( ) Tj ET Q q 0 0 0 rg BT 399.21 214.30 Td (Failure ) Tj ET Q q 0 0 0 rg BT 430.32 214.30 Td (to ) Tj ET Q q 0 0 0 rg BT 440.89 214.30 Td (comply ) Tj ET Q q 0 0 0 rg BT 473.67 214.30 Td (with ) Tj ET Q q 0 0 0 rg BT 494.24 214.30 Td (these ) Tj ET Q q 0 0 0 rg BT 517.57 214.30 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.30 Td (could ) Tj ET Q q 0 0 0 rg BT 74.66 202.30 Td (result ) Tj ET Q q 0 0 0 rg BT 99.33 202.30 Td (in ) Tj ET Q q 0 0 0 rg BT 109.56 202.30 Td (fines ) Tj ET Q q 0 0 0 rg BT 131.44 202.30 Td (or ) Tj ET Q q 0 0 0 rg BT 142.22 202.30 Td (sanctions. ) Tj ET Q q 0 0 0 rg BT 184.38 202.30 Td ( ) Tj ET Q q 0 0 0 rg BT 186.83 202.30 Td (Several ) Tj ET Q q 0 0 0 rg BT 219.26 202.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 253.93 202.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 300.83 202.30 Td (have ) Tj ET Q q 0 0 0 rg BT 322.15 202.30 Td (received ) Tj ET Q q 0 0 0 rg BT 358.46 202.30 Td (lar) Tj ET Q q 0 0 0 rg BT 368.83 202.30 Td (ge ) Tj ET Q q 0 0 0 rg BT 380.72 202.30 Td (fines ) Tj ET Q q 0 0 0 rg BT 402.60 202.30 Td (for ) Tj ET Q q 0 0 0 rg BT 416.71 202.30 Td (non-compliance ) Tj ET Q q 0 0 0 rg BT 483.58 202.30 Td (with ) Tj ET Q q 0 0 0 rg BT 503.80 202.30 Td (these ) Tj ET Q q 0 0 0 rg BT 526.80 202.30 Td (laws ) Tj ET Q q 0 0 0 rg BT 547.58 202.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.30 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 98.59 190.30 Td ( ) Tj ET Q q 0 0 0 rg BT 99.87 190.30 Td (Although ) Tj ET Q q 0 0 0 rg BT 139.30 190.30 Td (we ) Tj ET Q q 0 0 0 rg BT 152.61 190.30 Td (have ) Tj ET Q q 0 0 0 rg BT 173.14 190.30 Td (developed ) Tj ET Q q 0 0 0 rg BT 215.89 190.30 Td (policies ) Tj ET Q q 0 0 0 rg BT 248.64 190.30 Td (and ) Tj ET Q q 0 0 0 rg BT 264.73 190.30 Td (procedures ) Tj ET Q q 0 0 0 rg BT 310.25 190.30 Td (designed ) Tj ET Q q 0 0 0 rg BT 347.45 190.30 Td (to ) Tj ET Q q 0 0 0 rg BT 356.88 190.30 Td (assist ) Tj ET Q q 0 0 0 rg BT 380.20 190.30 Td (in ) Tj ET Q q 0 0 0 rg BT 389.63 190.30 Td (compliance ) Tj ET Q q 0 0 0 rg BT 437.38 190.30 Td (with ) Tj ET Q q 0 0 0 rg BT 456.81 190.30 Td (these ) Tj ET Q q 0 0 0 rg BT 479.00 190.30 Td (laws ) Tj ET Q q 0 0 0 rg BT 498.99 190.30 Td (and ) Tj ET Q q 0 0 0 rg BT 515.08 190.30 Td (regulations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.30 Td (no ) Tj ET Q q 0 0 0 rg BT 61.72 178.30 Td (assurance ) Tj ET Q q 0 0 0 rg BT 102.30 178.30 Td (can ) Tj ET Q q 0 0 0 rg BT 117.89 178.30 Td (be ) Tj ET Q q 0 0 0 rg BT 129.04 178.30 Td (given ) Tj ET Q q 0 0 0 rg BT 152.98 178.30 Td (that ) Tj ET Q q 0 0 0 rg BT 169.69 178.30 Td (these ) Tj ET Q q 0 0 0 rg BT 191.95 178.30 Td (policies ) Tj ET Q q 0 0 0 rg BT 224.77 178.30 Td (and ) Tj ET Q q 0 0 0 rg BT 240.92 178.30 Td (procedures ) Tj ET Q q 0 0 0 rg BT 286.50 178.30 Td (will ) Tj ET Q q 0 0 0 rg BT 303.78 178.30 Td (be ) Tj ET Q q 0 0 0 rg BT 314.93 178.30 Td (ef) Tj ET Q q 0 0 0 rg BT 322.52 178.30 Td (fective ) Tj ET Q q 0 0 0 rg BT 351.44 178.30 Td (in ) Tj ET Q q 0 0 0 rg BT 360.93 178.30 Td (preventing ) Tj ET Q q 0 0 0 rg BT 405.41 178.30 Td (violations ) Tj ET Q q 0 0 0 rg BT 446.57 178.30 Td (of ) Tj ET Q q 0 0 0 rg BT 456.61 178.30 Td (these ) Tj ET Q q 0 0 0 rg BT 478.87 178.30 Td (laws ) Tj ET Q q 0 0 0 rg BT 498.92 178.30 Td (and ) Tj ET Q q 0 0 0 rg BT 515.07 178.30 Td (regulations.) Tj ET Q endstream endobj 69 0 obj <> endobj 70 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (34) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Risks ) Tj ET Q q 0 0 0 rg BT 75.84 742.25 Td (Related ) Tj ET Q q 0 0 0 rg BT 111.11 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 121.94 742.25 Td (Our) Tj ET Q q 0 0 0 rg BT 139.54 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 142.04 742.25 Td (Niche ) Tj ET Q q 0 0 0 rg BT 168.98 742.25 Td (Businesses) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.05 721.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 108.66 721.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 142.14 721.25 Td (business ) Tj ET Q q 0 0 0 rg BT 179.53 721.25 Td (may ) Tj ET Q q 0 0 0 rg BT 199.13 721.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 230.94 721.25 Td (a ) Tj ET Q q 0 0 0 rg BT 238.31 721.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 267.92 721.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 285.86 721.25 Td (of ) Tj ET Q q 0 0 0 rg BT 296.57 721.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 348.94 721.25 Td (or ) Tj ET Q q 0 0 0 rg BT 360.21 721.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 402.58 721.25 Td (than ) Tj ET Q q 0 0 0 rg BT 423.85 721.25 Td (our ) Tj ET Q q 0 0 0 rg BT 440.68 721.25 Td (other ) Tj ET Q q 0 0 0 rg BT 464.73 721.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 498.23 721.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 546.44 721.25 Td (and ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (could ) Tj ET Q q 0 0 0 rg BT 75.28 709.25 Td (expose ) Tj ET Q q 0 0 0 rg BT 105.55 709.25 Td (us ) Tj ET Q q 0 0 0 rg BT 117.50 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 127.78 709.25 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 692.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 692.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.00 692.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 97.47 692.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 137.16 692.25 Td (for ) Tj ET Q q 0 0 0 rg BT 150.74 692.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.88 692.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 201.24 692.25 Td (of ) Tj ET Q q 0 0 0 rg BT 211.49 692.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 260.62 692.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 300.85 692.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 342.77 692.25 Td (and ) Tj ET Q q 0 0 0 rg BT 359.14 692.25 Td (life ) Tj ET Q q 0 0 0 rg BT 374.38 692.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 414.62 692.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 456.54 692.25 Td (on ) Tj ET Q q 0 0 0 rg BT 468.47 692.25 Td (a ) Tj ET Q q 0 0 0 rg BT 474.83 692.25 Td (national ) Tj ET Q q 0 0 0 rg BT 508.96 692.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 530.89 692.25 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 680.25 Td (our ) Tj ET Q q 0 0 0 rg BT 66.34 680.25 Td (wholly ) Tj ET Q q 0 0 0 rg BT 97.12 680.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 126.79 680.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 167.25 680.25 Td (, ) Tj ET Q q 0 0 0 rg BT 172.75 680.25 Td (FIFC, ) Tj ET Q q 0 0 0 rg BT 199.38 680.25 Td (and ) Tj ET Q q 0 0 0 rg BT 216.83 680.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 257.60 680.25 Td (for ) Tj ET Q q 0 0 0 rg BT 272.27 680.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.49 680.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 324.93 680.25 Td (of ) Tj ET Q q 0 0 0 rg BT 336.27 680.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 386.47 680.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 427.79 680.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 470.80 680.25 Td (in ) Tj ET Q q 0 0 0 rg BT 481.58 680.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 514.57 680.25 Td (through ) Tj ET Q q 0 0 0 rg BT 548.69 680.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 668.25 Td (wholly ) Tj ET Q q 0 0 0 rg BT 80.45 668.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 109.77 668.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 150.23 668.25 Td (, ) Tj ET Q q 0 0 0 rg BT 155.40 668.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 179.19 668.25 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 214.34 668.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 266.44 668.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 307.42 668.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 346.19 668.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 378.28 668.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 402.06 668.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 434.72 668.25 Td (a ) Tj ET Q q 0 0 0 rg BT 441.83 668.25 Td (dif) Tj ET Q q 0 0 0 rg BT 452.76 668.25 Td (ferent, ) Tj ET Q q 0 0 0 rg BT 481.24 668.25 Td (and ) Tj ET Q q 0 0 0 rg BT 498.35 668.25 Td (possibly ) Tj ET Q q 0 0 0 rg BT 534.35 668.25 Td (higher) Tj ET Q q 0 0 0 rg BT 559.50 668.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 656.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 66.78 656.25 Td (of ) Tj ET Q q 0 0 0 rg BT 76.89 656.25 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 127.55 656.25 Td (or ) Tj ET Q q 0 0 0 rg BT 137.66 656.25 Td (collection ) Tj ET Q q 0 0 0 rg BT 178.87 656.25 Td (than ) Tj ET Q q 0 0 0 rg BT 197.87 656.25 Td (life ) Tj ET Q q 0 0 0 rg BT 212.97 656.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 253.07 656.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 290.95 656.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 322.16 656.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 345.05 656.25 Td (and ) Tj ET Q q 0 0 0 rg BT 361.27 656.25 Td (the ) Tj ET Q q 0 0 0 rg BT 375.27 656.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 394.26 656.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 434.93 656.25 Td (of ) Tj ET Q q 0 0 0 rg BT 445.04 656.25 Td (our ) Tj ET Q q 0 0 0 rg BT 460.15 656.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 481.37 656.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 530.37 656.25 Td (because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 644.25 Td (these ) Tj ET Q q 0 0 0 rg BT 71.89 644.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 94.35 644.25 Td (are ) Tj ET Q q 0 0 0 rg BT 107.90 644.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 134.24 644.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 172.80 644.25 Td (through ) Tj ET Q q 0 0 0 rg BT 205.25 644.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 257.70 644.25 Td (with ) Tj ET Q q 0 0 0 rg BT 276.83 644.25 Td (a ) Tj ET Q q 0 0 0 rg BT 282.61 644.25 Td (lar) Tj ET Q q 0 0 0 rg BT 292.98 644.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 303.76 644.25 Td (number ) Tj ET Q q 0 0 0 rg BT 335.65 644.25 Td (of ) Tj ET Q q 0 0 0 rg BT 345.33 644.25 Td (unaf) Tj ET Q q 0 0 0 rg BT 362.92 644.25 Td (filiated ) Tj ET Q q 0 0 0 rg BT 392.58 644.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 432.24 644.25 Td (agents ) Tj ET Q q 0 0 0 rg BT 459.13 644.25 Td (and ) Tj ET Q q 0 0 0 rg BT 474.92 644.25 Td (because ) Tj ET Q q 0 0 0 rg BT 507.91 644.25 Td (the ) Tj ET Q q 0 0 0 rg BT 521.47 644.25 Td (borrowers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 632.25 Td (are ) Tj ET Q q 0 0 0 rg BT 65.42 632.25 Td (located ) Tj ET Q q 0 0 0 rg BT 97.50 632.25 Td (nationwide. ) Tj ET Q q 0 0 0 rg BT 146.94 632.25 Td (As ) Tj ET Q q 0 0 0 rg BT 161.26 632.25 Td (a ) Tj ET Q q 0 0 0 rg BT 168.92 632.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 196.84 632.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 215.06 632.25 Td (management ) Tj ET Q q 0 0 0 rg BT 269.36 632.25 Td (and ) Tj ET Q q 0 0 0 rg BT 287.01 632.25 Td (general ) Tj ET Q q 0 0 0 rg BT 319.64 632.25 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 369.51 632.25 Td (oversight ) Tj ET Q q 0 0 0 rg BT 409.94 632.25 Td (may ) Tj ET Q q 0 0 0 rg BT 430.37 632.25 Td (be ) Tj ET Q q 0 0 0 rg BT 443.02 632.25 Td (dif) Tj ET Q q 0 0 0 rg BT 453.95 632.25 Td (ficult. ) Tj ET Q q 0 0 0 rg BT 480.06 632.25 Td (As ) Tj ET Q q 0 0 0 rg BT 494.38 632.25 Td (of ) Tj ET Q q 0 0 0 rg BT 505.92 632.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 620.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 75.06 620.25 Td (we ) Tj ET Q q 0 0 0 rg BT 89.27 620.25 Td (had ) Tj ET Q q 0 0 0 rg BT 106.27 620.25 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 126.32 620.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 154.99 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.88 620.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 215.63 620.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 256.50 620.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 295.16 620.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 327.14 620.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 350.81 620.25 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 402.53 620.25 Td (of ) Tj ET Q q 0 0 0 rg BT 413.42 620.25 Td (which ) Tj ET Q q 0 0 0 rg BT 440.41 620.25 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 460.47 620.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 489.14 620.25 Td (were ) Tj ET Q q 0 0 0 rg BT 511.12 620.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 554.22 620.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.77 608.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 85.11 608.25 Td (by ) Tj ET Q q 0 0 0 rg BT 97.67 608.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 121.35 608.25 Td (and ) Tj ET Q q 0 0 0 rg BT 138.34 608.25 Td ($278.3 ) Tj ET Q q 0 0 0 rg BT 168.40 608.25 Td (million ) Tj ET Q q 0 0 0 rg BT 199.85 608.25 Td (were ) Tj ET Q q 0 0 0 rg BT 221.83 608.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 264.93 608.25 Td (in ) Tj ET Q q 0 0 0 rg BT 275.26 608.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 307.81 608.25 Td (by ) Tj ET Q q 0 0 0 rg BT 320.36 608.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 344.04 608.25 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 379.08 608.25 Td ( ) Tj ET Q q 0 0 0 rg BT 381.45 608.25 Td (T) Tj ET Q q 0 0 0 rg BT 386.86 608.25 Td (ogether) Tj ET Q q 0 0 0 rg BT 416.45 608.25 Td (, ) Tj ET Q q 0 0 0 rg BT 421.50 608.25 Td (these ) Tj ET Q q 0 0 0 rg BT 444.61 608.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 468.27 608.25 Td (represented ) Tj ET Q q 0 0 0 rg BT 516.91 608.25 Td (14% ) Tj ET Q q 0 0 0 rg BT 537.80 608.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.69 608.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.25 Td (total ) Tj ET Q q 0 0 0 rg BT 70.27 596.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 89.99 596.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 127.49 596.25 Td (as ) Tj ET Q q 0 0 0 rg BT 138.32 596.25 Td (of ) Tj ET Q q 0 0 0 rg BT 149.15 596.25 Td (such ) Tj ET Q q 0 0 0 rg BT 169.98 596.25 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 579.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 73.46 579.25 Td (and ) Tj ET Q q 0 0 0 rg BT 90.23 579.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 113.69 579.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 146.01 579.25 Td (may ) Tj ET Q q 0 0 0 rg BT 165.56 579.25 Td (also ) Tj ET Q q 0 0 0 rg BT 184.01 579.25 Td (be ) Tj ET Q q 0 0 0 rg BT 195.78 579.25 Td (more ) Tj ET Q q 0 0 0 rg BT 218.66 579.25 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 265.43 579.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.55 579.25 Td (third ) Tj ET Q q 0 0 0 rg BT 296.77 579.25 Td (party ) Tj ET Q q 0 0 0 rg BT 319.65 579.25 Td (fraud ) Tj ET Q q 0 0 0 rg BT 343.09 579.25 Td (with ) Tj ET Q q 0 0 0 rg BT 363.20 579.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 393.85 579.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.96 579.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 453.50 579.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 494.15 579.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 532.59 579.25 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 567.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.52 567.25 Td (because ) Tj ET Q q 0 0 0 rg BT 109.57 567.25 Td (these ) Tj ET Q q 0 0 0 rg BT 133.53 567.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 158.05 567.25 Td (are ) Tj ET Q q 0 0 0 rg BT 173.66 567.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 217.62 567.25 Td (and ) Tj ET Q q 0 0 0 rg BT 235.46 567.25 Td (many ) Tj ET Q q 0 0 0 rg BT 261.09 567.25 Td (times ) Tj ET Q q 0 0 0 rg BT 286.17 567.25 Td (funded ) Tj ET Q q 0 0 0 rg BT 317.34 567.25 Td (through ) Tj ET Q q 0 0 0 rg BT 351.86 567.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 406.38 567.25 Td (with ) Tj ET Q q 0 0 0 rg BT 427.56 567.25 Td (unaf) Tj ET Q q 0 0 0 rg BT 445.15 567.25 Td (filiated ) Tj ET Q q 0 0 0 rg BT 476.88 567.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 518.61 567.25 Td (agents ) Tj ET Q q 0 0 0 rg BT 547.56 567.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 555.25 Td (brokers. ) Tj ET Q q 0 0 0 rg BT 84.26 555.25 Td (In ) Tj ET Q q 0 0 0 rg BT 94.36 555.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.35 555.25 Td (second ) Tj ET Q q 0 0 0 rg BT 137.89 555.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 167.98 555.25 Td (of ) Tj ET Q q 0 0 0 rg BT 178.08 555.25 Td (2010, ) Tj ET Q q 0 0 0 rg BT 202.35 555.25 Td (fraud ) Tj ET Q q 0 0 0 rg BT 225.22 555.25 Td (perpetrated ) Tj ET Q q 0 0 0 rg BT 271.96 555.25 Td (against ) Tj ET Q q 0 0 0 rg BT 302.06 555.25 Td (a ) Tj ET Q q 0 0 0 rg BT 308.27 555.25 Td (number ) Tj ET Q q 0 0 0 rg BT 340.59 555.25 Td (of ) Tj ET Q q 0 0 0 rg BT 350.69 555.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 388.57 555.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 419.76 555.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 464.30 555.25 Td (in ) Tj ET Q q 0 0 0 rg BT 473.85 555.25 Td (the ) Tj ET Q q 0 0 0 rg BT 487.83 555.25 Td (industry) Tj ET Q q 0 0 0 rg BT 519.96 555.25 Td (, ) Tj ET Q q 0 0 0 rg BT 524.23 555.25 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 543.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.42 543.25 Td (property ) Tj ET Q q 0 0 0 rg BT 100.49 543.25 Td (and ) Tj ET Q q 0 0 0 rg BT 117.13 543.25 Td (casualty ) Tj ET Q q 0 0 0 rg BT 152.09 543.25 Td (division ) Tj ET Q q 0 0 0 rg BT 186.52 543.25 Td (of ) Tj ET Q q 0 0 0 rg BT 197.05 543.25 Td (FIFC, ) Tj ET Q q 0 0 0 rg BT 222.87 543.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 262.83 543.25 Td (both ) Tj ET Q q 0 0 0 rg BT 282.81 543.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.22 543.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 344.00 543.25 Td (net ) Tj ET Q q 0 0 0 rg BT 358.42 543.25 Td (char) Tj ET Q q 0 0 0 rg BT 375.44 543.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 396.36 543.25 Td (fs ) Tj ET Q q 0 0 0 rg BT 405.78 543.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.42 543.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 462.40 543.25 Td (for ) Tj ET Q q 0 0 0 rg BT 476.26 543.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 501.22 543.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 527.31 543.25 Td (by ) Tj ET Q q 0 0 0 rg BT 539.51 543.25 Td ($15.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 531.25 Td (million. ) Tj ET Q q 0 0 0 rg BT 83.51 531.25 Td (Acts ) Tj ET Q q 0 0 0 rg BT 104.57 531.25 Td (of ) Tj ET Q q 0 0 0 rg BT 115.62 531.25 Td (fraud ) Tj ET Q q 0 0 0 rg BT 139.44 531.25 Td (are ) Tj ET Q q 0 0 0 rg BT 154.37 531.25 Td (dif) Tj ET Q q 0 0 0 rg BT 165.30 531.25 Td (ficult ) Tj ET Q q 0 0 0 rg BT 189.13 531.25 Td (to ) Tj ET Q q 0 0 0 rg BT 199.63 531.25 Td (detect ) Tj ET Q q 0 0 0 rg BT 226.23 531.25 Td (and ) Tj ET Q q 0 0 0 rg BT 243.39 531.25 Td (deter) Tj ET Q q 0 0 0 rg BT 262.97 531.25 Td (, ) Tj ET Q q 0 0 0 rg BT 268.20 531.25 Td (and ) Tj ET Q q 0 0 0 rg BT 285.36 531.25 Td (we ) Tj ET Q q 0 0 0 rg BT 299.74 531.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 329.12 531.25 Td (assure ) Tj ET Q q 0 0 0 rg BT 356.84 531.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 395.67 531.25 Td (that ) Tj ET Q q 0 0 0 rg BT 413.39 531.25 Td (our ) Tj ET Q q 0 0 0 rg BT 429.44 531.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 447.16 531.25 Td (management ) Tj ET Q q 0 0 0 rg BT 500.98 531.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 547.57 531.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 519.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 84.72 519.25 Td (will ) Tj ET Q q 0 0 0 rg BT 102.77 519.25 Td (prevent ) Tj ET Q q 0 0 0 rg BT 135.26 519.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 161.65 519.25 Td (from ) Tj ET Q q 0 0 0 rg BT 183.59 519.25 Td (fraudulent ) Tj ET Q q 0 0 0 rg BT 227.18 519.25 Td (activity) Tj ET Q q 0 0 0 rg BT 256.52 519.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 73.63 502.25 Td (may ) Tj ET Q q 0 0 0 rg BT 93.35 502.25 Td (be ) Tj ET Q q 0 0 0 rg BT 105.29 502.25 Td (exposed ) Tj ET Q q 0 0 0 rg BT 140.56 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.84 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 165.57 502.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 183.07 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 193.90 502.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 211.97 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 222.25 502.25 Td (our ) Tj ET Q q 0 0 0 rg BT 238.08 502.25 Td (life ) Tj ET Q q 0 0 0 rg BT 253.91 502.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 294.73 502.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 333.34 502.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 365.27 502.25 Td (business ) Tj ET Q q 0 0 0 rg BT 401.66 502.25 Td (because ) Tj ET Q q 0 0 0 rg BT 435.81 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.65 502.25 Td (fraud. ) Tj ET Q q 0 0 0 rg BT 472.57 502.25 Td (While ) Tj ET Q q 0 0 0 rg BT 499.51 502.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 523.13 502.25 Td (maintains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (a ) Tj ET Q q 0 0 0 rg BT 57.43 490.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 85.42 490.25 Td (prohibiting ) Tj ET Q q 0 0 0 rg BT 132.86 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 148.07 490.25 Td (knowing ) Tj ET Q q 0 0 0 rg BT 186.07 490.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 226.83 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 238.15 490.25 Td (stranger) Tj ET Q q 0 0 0 rg BT 270.16 490.25 Td (-originated ) Tj ET Q q 0 0 0 rg BT 317.02 490.25 Td (life ) Tj ET Q q 0 0 0 rg BT 333.34 490.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 374.65 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 392.09 490.25 Td (has ) Tj ET Q q 0 0 0 rg BT 408.41 490.25 Td (established ) Tj ET Q q 0 0 0 rg BT 455.84 490.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 502.70 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 513.47 490.25 Td (identify ) Tj ET Q q 0 0 0 rg BT 547.57 490.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (prevent ) Tj ET Q q 0 0 0 rg BT 82.51 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 97.25 478.25 Td (company ) Tj ET Q q 0 0 0 rg BT 136.43 478.25 Td (from ) Tj ET Q q 0 0 0 rg BT 158.39 478.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 198.68 478.25 Td (such ) Tj ET Q q 0 0 0 rg BT 219.53 478.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 255.66 478.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 279.30 478.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 308.48 478.25 Td (be ) Tj ET Q q 0 0 0 rg BT 320.44 478.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 350.17 478.25 Td (that ) Tj ET Q q 0 0 0 rg BT 367.69 478.25 Td (it ) Tj ET Q q 0 0 0 rg BT 375.77 478.25 Td (will ) Tj ET Q q 0 0 0 rg BT 393.85 478.25 Td (never ) Tj ET Q q 0 0 0 rg BT 418.58 478.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 451.65 478.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 475.28 478.25 Td (with ) Tj ET Q q 0 0 0 rg BT 495.58 478.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 526.42 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 536.72 478.25 Td (such ) Tj ET Q q 0 0 0 rg BT 557.58 478.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (policy) Tj ET Q q 0 0 0 rg BT 74.35 466.25 Td (. ) Tj ET Q q 0 0 0 rg BT 79.27 466.25 Td (In ) Tj ET Q q 0 0 0 rg BT 90.01 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.65 466.25 Td (event ) Tj ET Q q 0 0 0 rg BT 128.73 466.25 Td (such ) Tj ET Q q 0 0 0 rg BT 149.48 466.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 183.00 466.25 Td (were ) Tj ET Q q 0 0 0 rg BT 204.85 466.25 Td (financed, ) Tj ET Q q 0 0 0 rg BT 244.19 466.25 Td (a ) Tj ET Q q 0 0 0 rg BT 251.05 466.25 Td (carrier ) Tj ET Q q 0 0 0 rg BT 279.55 466.25 Td (could ) Tj ET Q q 0 0 0 rg BT 304.19 466.25 Td (potentially ) Tj ET Q q 0 0 0 rg BT 349.38 466.25 Td (put ) Tj ET Q q 0 0 0 rg BT 364.57 466.25 Td (at ) Tj ET Q q 0 0 0 rg BT 374.21 466.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 391.63 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 406.26 466.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 426.45 466.25 Td (surrender ) Tj ET Q q 0 0 0 rg BT 466.63 466.25 Td (value ) Tj ET Q q 0 0 0 rg BT 490.71 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 501.46 466.25 Td (a ) Tj ET Q q 0 0 0 rg BT 508.31 466.25 Td (policy) Tj ET Q q 0 0 0 rg BT 532.66 466.25 Td (, ) Tj ET Q q 0 0 0 rg BT 537.58 466.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (serves ) Tj ET Q q 0 0 0 rg BT 77.49 454.25 Td (as ) Tj ET Q q 0 0 0 rg BT 88.32 454.25 Td (FIFC's ) Tj ET Q q 0 0 0 rg BT 117.64 454.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 151.79 454.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 193.99 454.25 Td (by ) Tj ET Q q 0 0 0 rg BT 206.49 454.25 Td (challenging ) Tj ET Q q 0 0 0 rg BT 255.64 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.36 454.25 Td (validity ) Tj ET Q q 0 0 0 rg BT 303.41 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 314.24 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.96 454.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 369.77 454.25 Td (contract ) Tj ET Q q 0 0 0 rg BT 404.47 454.25 Td (for ) Tj ET Q q 0 0 0 rg BT 418.63 454.25 Td (lack ) Tj ET Q q 0 0 0 rg BT 437.79 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 448.62 454.25 Td (an ) Tj ET Q q 0 0 0 rg BT 460.56 454.25 Td (insurable ) Tj ET Q q 0 0 0 rg BT 499.71 454.25 Td (interest.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 437.25 Td (See ) Tj ET Q q 0 0 0 rg BT 66.63 437.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.03 437.25 Td (below ) Tj ET Q q 0 0 0 rg BT 107.66 437.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 124.84 437.25 Td (factor ) Tj ET Q q 0 0 0 rg BT 150.35 437.25 Td (W) Tj ET Q q 0 0 0 rg BT 163.82 437.25 Td (idespread ) Tj ET Q q 0 0 0 rg BT 204.33 437.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 241.49 437.25 Td (dif) Tj ET Q q 0 0 0 rg BT 252.42 437.25 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 286.82 437.25 Td (or ) Tj ET Q q 0 0 0 rg BT 297.34 437.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 322.29 437.25 Td (downgrades ) Tj ET Q q 0 0 0 rg BT 372.80 437.25 Td (among ) Tj ET Q q 0 0 0 rg BT 402.20 437.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 451.59 437.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.21 437.25 Td (life ) Tj ET Q q 0 0 0 rg BT 483.73 437.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 524.23 437.25 Td (providers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 425.25 Td (could ) Tj ET Q q 0 0 0 rg BT 75.26 425.25 Td (lessen ) Tj ET Q q 0 0 0 rg BT 102.73 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 117.99 425.25 Td (value ) Tj ET Q q 0 0 0 rg BT 142.68 425.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.05 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.31 425.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 209.54 425.25 Td (securing ) Tj ET Q q 0 0 0 rg BT 246.46 425.25 Td (our ) Tj ET Q q 0 0 0 rg BT 262.83 425.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 301.97 425.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 334.43 425.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 358.58 425.25 Td (and ) Tj ET Q q 0 0 0 rg BT 376.05 425.25 Td (impair ) Tj ET Q q 0 0 0 rg BT 405.20 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.45 425.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 458.47 425.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 499.28 425.25 Td (and ) Tj ET Q q 0 0 0 rg BT 516.76 425.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 553.69 425.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 73.62 413.25 Td (and ) Tj ET Q q 0 0 0 rg BT 90.56 413.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 114.18 413.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 151.11 413.25 Td (for ) Tj ET Q q 0 0 0 rg BT 165.27 413.25 Td (a ) Tj ET Q q 0 0 0 rg BT 172.21 413.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 216.38 413.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.21 413.25 Td (further ) Tj ET Q q 0 0 0 rg BT 256.91 413.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 278.31 413.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 321.90 413.25 Td (with ) Tj ET Q q 0 0 0 rg BT 342.18 413.25 Td (our ) Tj ET Q q 0 0 0 rg BT 358.01 413.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 398.82 413.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 437.43 413.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 469.35 413.25 Td (activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 396.25 Td (While ) Tj ET Q q 0 0 0 rg BT 77.08 396.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 100.85 396.25 Td (is ) Tj ET Q q 0 0 0 rg BT 110.17 396.25 Td (licensed ) Tj ET Q q 0 0 0 rg BT 145.59 396.25 Td (as ) Tj ET Q q 0 0 0 rg BT 156.56 396.25 Td (required ) Tj ET Q q 0 0 0 rg BT 192.53 396.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.62 396.25 Td (carefully ) Tj ET Q q 0 0 0 rg BT 247.80 396.25 Td (monitors ) Tj ET Q q 0 0 0 rg BT 286.00 396.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 334.74 396.25 Td (with ) Tj ET Q q 0 0 0 rg BT 355.17 396.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 398.36 396.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.34 396.25 Td (each ) Tj ET Q q 0 0 0 rg BT 430.30 396.25 Td (of ) Tj ET Q q 0 0 0 rg BT 441.28 396.25 Td (its ) Tj ET Q q 0 0 0 rg BT 453.38 396.25 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 500.75 396.25 Td (there ) Tj ET Q q 0 0 0 rg BT 523.38 396.25 Td (can ) Tj ET Q q 0 0 0 rg BT 539.91 396.25 Td (be ) Tj ET Q q 0 0 0 rg BT 552.00 396.25 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 384.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 92.09 384.25 Td (that ) Tj ET Q q 0 0 0 rg BT 110.32 384.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 134.67 384.25 Td (will ) Tj ET Q q 0 0 0 rg BT 153.45 384.25 Td (not ) Tj ET Q q 0 0 0 rg BT 169.45 384.25 Td (be ) Tj ET Q q 0 0 0 rg BT 182.12 384.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 227.00 384.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 266.87 384.25 Td (by ) Tj ET Q q 0 0 0 rg BT 280.10 384.25 Td (material ) Tj ET Q q 0 0 0 rg BT 316.08 384.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 351.52 384.25 Td (in ) Tj ET Q q 0 0 0 rg BT 362.52 384.25 Td (the ) Tj ET Q q 0 0 0 rg BT 377.97 384.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 422.29 384.25 Td (environment. ) Tj ET Q q 0 0 0 rg BT 478.55 384.25 Td ( ) Tj ET Q q 0 0 0 rg BT 481.78 384.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 506.13 384.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 539.34 384.25 Td (is ) Tj ET Q q 0 0 0 rg BT 549.24 384.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.25 Td (required ) Tj ET Q q 0 0 0 rg BT 85.02 372.25 Td (to ) Tj ET Q q 0 0 0 rg BT 94.50 372.25 Td (be ) Tj ET Q q 0 0 0 rg BT 105.64 372.25 Td (licensed ) Tj ET Q q 0 0 0 rg BT 140.11 372.25 Td (in ) Tj ET Q q 0 0 0 rg BT 149.59 372.25 Td (most ) Tj ET Q q 0 0 0 rg BT 170.75 372.25 Td (provinces ) Tj ET Q q 0 0 0 rg BT 211.33 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.36 372.25 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 255.55 372.25 Td (but ) Tj ET Q q 0 0 0 rg BT 270.03 372.25 Td (there ) Tj ET Q q 0 0 0 rg BT 291.72 372.25 Td (can ) Tj ET Q q 0 0 0 rg BT 307.30 372.25 Td (be ) Tj ET Q q 0 0 0 rg BT 318.45 372.25 Td (no ) Tj ET Q q 0 0 0 rg BT 330.15 372.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 370.72 372.25 Td (that ) Tj ET Q q 0 0 0 rg BT 387.42 372.25 Td (future ) Tj ET Q q 0 0 0 rg BT 413.00 372.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 459.14 372.25 Td (which ) Tj ET Q q 0 0 0 rg BT 485.28 372.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 514.20 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.12 372.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 360.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 360.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 84.45 360.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 116.94 360.25 Td (will ) Tj ET Q q 0 0 0 rg BT 135.00 360.25 Td (not ) Tj ET Q q 0 0 0 rg BT 150.27 360.25 Td (be ) Tj ET Q q 0 0 0 rg BT 162.21 360.25 Td (enacted.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 343.25 Td (, ) Tj ET Q q 0 0 0 rg BT 103.88 343.25 Td (to ) Tj ET Q q 0 0 0 rg BT 113.14 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.83 343.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 152.75 343.25 Td (that ) Tj ET Q q 0 0 0 rg BT 169.22 343.25 Td (af) Tj ET Q q 0 0 0 rg BT 176.81 343.25 Td (filiates ) Tj ET Q q 0 0 0 rg BT 205.50 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 215.31 343.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 255.10 343.25 Td (carriers, ) Tj ET Q q 0 0 0 rg BT 289.05 343.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 316.36 343.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.28 343.25 Td (other ) Tj ET Q q 0 0 0 rg BT 354.30 343.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 385.78 343.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 431.71 343.25 Td (add ) Tj ET Q q 0 0 0 rg BT 447.63 343.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 476.86 343.25 Td (service ) Tj ET Q q 0 0 0 rg BT 506.65 343.25 Td (and ) Tj ET Q q 0 0 0 rg BT 522.57 343.25 Td (flexibility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.65 331.25 Td (their ) Tj ET Q q 0 0 0 rg BT 81.84 331.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 122.47 331.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 160.87 331.25 Td (in ) Tj ET Q q 0 0 0 rg BT 171.52 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.61 331.25 Td (future, ) Tj ET Q q 0 0 0 rg BT 215.85 331.25 Td (our ) Tj ET Q q 0 0 0 rg BT 232.05 331.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 282.13 331.25 Td (position ) Tj ET Q q 0 0 0 rg BT 317.22 331.25 Td (and ) Tj ET Q q 0 0 0 rg BT 334.53 331.25 Td (results ) Tj ET Q q 0 0 0 rg BT 363.51 331.25 Td (of ) Tj ET Q q 0 0 0 rg BT 374.70 331.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 419.23 331.25 Td (could ) Tj ET Q q 0 0 0 rg BT 444.31 331.25 Td (be ) Tj ET Q q 0 0 0 rg BT 456.62 331.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 497.81 331.25 Td (af) Tj ET Q q 0 0 0 rg BT 505.39 331.25 Td (fected. ) Tj ET Q q 0 0 0 rg BT 535.19 331.25 Td (FIFC's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (life ) Tj ET Q q 0 0 0 rg BT 66.60 319.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 108.18 319.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 147.56 319.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 180.25 319.25 Td (business ) Tj ET Q q 0 0 0 rg BT 217.41 319.25 Td (could ) Tj ET Q q 0 0 0 rg BT 242.90 319.25 Td (be ) Tj ET Q q 0 0 0 rg BT 255.61 319.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 299.42 319.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 344.34 319.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 384.26 319.25 Td (by ) Tj ET Q q 0 0 0 rg BT 397.53 319.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 433.01 319.25 Td (in ) Tj ET Q q 0 0 0 rg BT 444.05 319.25 Td (the ) Tj ET Q q 0 0 0 rg BT 459.54 319.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 490.57 319.25 Td (or ) Tj ET Q q 0 0 0 rg BT 502.17 319.25 Td (state ) Tj ET Q q 0 0 0 rg BT 523.76 319.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 549.80 319.25 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (provisions. ) Tj ET Q q 0 0 0 rg BT 96.49 307.25 Td (There ) Tj ET Q q 0 0 0 rg BT 122.30 307.25 Td (can ) Tj ET Q q 0 0 0 rg BT 138.68 307.25 Td (be ) Tj ET Q q 0 0 0 rg BT 150.62 307.25 Td (no ) Tj ET Q q 0 0 0 rg BT 163.12 307.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 204.49 307.25 Td (that ) Tj ET Q q 0 0 0 rg BT 221.98 307.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 245.61 307.25 Td (will ) Tj ET Q q 0 0 0 rg BT 263.66 307.25 Td (be ) Tj ET Q q 0 0 0 rg BT 275.60 307.25 Td (able ) Tj ET Q q 0 0 0 rg BT 294.76 307.25 Td (to ) Tj ET Q q 0 0 0 rg BT 305.03 307.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 341.97 307.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.25 307.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 388.62 307.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 440.00 307.25 Td (in ) Tj ET Q q 0 0 0 rg BT 450.27 307.25 Td (its ) Tj ET Q q 0 0 0 rg BT 462.22 307.25 Td (markets.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.52 286.25 Td (idespread ) Tj ET Q q 0 0 0 rg BT 100.20 286.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 139.68 286.25 Td (dif) Tj ET Q q 0 0 0 rg BT 150.60 286.25 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 185.62 286.25 Td (or ) Tj ET Q q 0 0 0 rg BT 196.76 286.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 222.33 286.25 Td (downgrades ) Tj ET Q q 0 0 0 rg BT 274.03 286.25 Td (among ) Tj ET Q q 0 0 0 rg BT 304.61 286.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 355.18 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 372.98 286.25 Td (life ) Tj ET Q q 0 0 0 rg BT 388.55 286.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 431.92 286.25 Td (providers ) Tj ET Q q 0 0 0 rg BT 472.50 286.25 Td (could ) Tj ET Q q 0 0 0 rg BT 497.52 286.25 Td (lessen ) Tj ET Q q 0 0 0 rg BT 524.77 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 539.79 286.25 Td (value ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.59 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.62 274.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 119.76 274.25 Td (securing ) Tj ET Q q 0 0 0 rg BT 158.58 274.25 Td (our ) Tj ET Q q 0 0 0 rg BT 176.28 274.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 216.77 274.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 251.13 274.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 276.62 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 295.44 274.25 Td (impair ) Tj ET Q q 0 0 0 rg BT 325.92 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 341.95 274.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 382.43 274.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 424.59 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 443.40 274.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 480.55 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 492.14 274.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 519.29 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 538.11 274.25 Td (FIFC ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Canada.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 74.32 245.25 Td (and ) Tj ET Q q 0 0 0 rg BT 91.95 245.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 116.27 245.25 Td (Canada's ) Tj ET Q q 0 0 0 rg BT 155.15 245.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 194.45 245.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 227.07 245.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 251.37 245.25 Td (are ) Tj ET Q q 0 0 0 rg BT 266.77 245.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 307.18 245.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 340.91 245.25 Td (by ) Tj ET Q q 0 0 0 rg BT 354.11 245.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.52 245.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 411.03 245.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 445.33 245.25 Td (financed ) Tj ET Q q 0 0 0 rg BT 482.95 245.25 Td (by ) Tj ET Q q 0 0 0 rg BT 496.15 245.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.56 245.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 538.13 245.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 91.23 233.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 125.25 233.25 Td (are ) Tj ET Q q 0 0 0 rg BT 140.37 233.25 Td (written ) Tj ET Q q 0 0 0 rg BT 171.61 233.25 Td (by ) Tj ET Q q 0 0 0 rg BT 184.52 233.25 Td (a ) Tj ET Q q 0 0 0 rg BT 191.87 233.25 Td (lar) Tj ET Q q 0 0 0 rg BT 202.24 233.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 214.59 233.25 Td (number ) Tj ET Q q 0 0 0 rg BT 248.05 233.25 Td (of ) Tj ET Q q 0 0 0 rg BT 259.30 233.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 300.53 233.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 346.21 233.25 Td (geographically ) Tj ET Q q 0 0 0 rg BT 408.54 233.25 Td (dispersed ) Tj ET Q q 0 0 0 rg BT 449.22 233.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 496.02 233.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.15 233.25 Td (country) Tj ET Q q 0 0 0 rg BT 541.05 233.25 Td (. ) Tj ET Q q 0 0 0 rg BT 546.46 233.25 Td (Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 221.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 88.87 221.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 121.05 221.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 168.79 221.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 205.97 221.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 238.16 221.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 279.24 221.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 313.10 221.25 Td (which ) Tj ET Q q 0 0 0 rg BT 340.30 221.25 Td (are ) Tj ET Q q 0 0 0 rg BT 355.27 221.25 Td (spread ) Tj ET Q q 0 0 0 rg BT 384.14 221.25 Td (among ) Tj ET Q q 0 0 0 rg BT 414.12 221.25 Td (a ) Tj ET Q q 0 0 0 rg BT 421.32 221.25 Td (lar) Tj ET Q q 0 0 0 rg BT 431.68 221.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 443.88 221.25 Td (number ) Tj ET Q q 0 0 0 rg BT 477.19 221.25 Td (of ) Tj ET Q q 0 0 0 rg BT 488.29 221.25 Td (insurers; ) Tj ET Q q 0 0 0 rg BT 525.49 221.25 Td (however) Tj ET Q q 0 0 0 rg BT 559.52 221.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 209.25 Td (one ) Tj ET Q q 0 0 0 rg BT 68.85 209.25 Td (of ) Tj ET Q q 0 0 0 rg BT 81.58 209.25 Td (the ) Tj ET Q q 0 0 0 rg BT 98.21 209.25 Td (insurers ) Tj ET Q q 0 0 0 rg BT 134.28 209.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 179.22 209.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 241.39 209.25 Td (14% ) Tj ET Q q 0 0 0 rg BT 264.13 209.25 Td (of ) Tj ET Q q 0 0 0 rg BT 276.86 209.25 Td (such ) Tj ET Q q 0 0 0 rg BT 299.60 209.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 338.43 209.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.28 209.25 Td (two ) Tj ET Q q 0 0 0 rg BT 376.69 209.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 421.08 209.25 Td (insurers ) Tj ET Q q 0 0 0 rg BT 457.15 209.25 Td (each ) Tj ET Q q 0 0 0 rg BT 479.88 209.25 Td (of ) Tj ET Q q 0 0 0 rg BT 492.61 209.25 Td (which ) Tj ET Q q 0 0 0 rg BT 521.46 209.25 Td (represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 197.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 109.90 197.25 Td (5% ) Tj ET Q q 0 0 0 rg BT 125.36 197.25 Td (of ) Tj ET Q q 0 0 0 rg BT 135.83 197.25 Td (such ) Tj ET Q q 0 0 0 rg BT 156.29 197.25 Td (balances. ) Tj ET Q q 0 0 0 rg BT 195.35 197.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 218.61 197.25 Td (and ) Tj ET Q q 0 0 0 rg BT 235.19 197.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 258.45 197.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 290.57 197.25 Td (consistently ) Tj ET Q q 0 0 0 rg BT 340.48 197.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 374.28 197.25 Td (carrier ) Tj ET Q q 0 0 0 rg BT 402.50 197.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 431.85 197.25 Td (and ) Tj ET Q q 0 0 0 rg BT 448.43 197.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.54 197.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 538.20 197.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 197.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.25 Td (carriers. ) Tj ET Q q 0 0 0 rg BT 85.14 185.25 Td (While ) Tj ET Q q 0 0 0 rg BT 112.44 185.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 136.44 185.25 Td (and ) Tj ET Q q 0 0 0 rg BT 153.75 185.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 177.74 185.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 210.60 185.25 Td (can ) Tj ET Q q 0 0 0 rg BT 227.35 185.25 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 262.99 185.25 Td (its ) Tj ET Q q 0 0 0 rg BT 275.31 185.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 297.07 185.25 Td (as ) Tj ET Q q 0 0 0 rg BT 308.27 185.25 Td (a ) Tj ET Q q 0 0 0 rg BT 315.58 185.25 Td (result ) Tj ET Q q 0 0 0 rg BT 340.67 185.25 Td (of ) Tj ET Q q 0 0 0 rg BT 351.87 185.25 Td (this ) Tj ET Q q 0 0 0 rg BT 369.19 185.25 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 416.50 185.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.15 185.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.24 185.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 469.54 185.25 Td (that ) Tj ET Q q 0 0 0 rg BT 487.41 185.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 537.48 185.25 Td (or ) Tj ET Q q 0 0 0 rg BT 548.68 185.25 Td (life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.35 173.25 Td (providers ) Tj ET Q q 0 0 0 rg BT 130.15 173.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 175.49 173.25 Td (widespread ) Tj ET Q q 0 0 0 rg BT 223.06 173.25 Td (dif) Tj ET Q q 0 0 0 rg BT 233.99 173.25 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 268.24 173.25 Td (or ) Tj ET Q q 0 0 0 rg BT 278.60 173.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 303.40 173.25 Td (downgrades, ) Tj ET Q q 0 0 0 rg BT 356.26 173.25 Td (the ) Tj ET Q q 0 0 0 rg BT 370.51 173.25 Td (value ) Tj ET Q q 0 0 0 rg BT 394.20 173.25 Td (of ) Tj ET Q q 0 0 0 rg BT 404.56 173.25 Td (our ) Tj ET Q q 0 0 0 rg BT 419.93 173.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 459.16 173.25 Td (will ) Tj ET Q q 0 0 0 rg BT 476.75 173.25 Td (be ) Tj ET Q q 0 0 0 rg BT 488.23 173.25 Td (reduced. ) Tj ET Q q 0 0 0 rg BT 524.41 173.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 547.57 173.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 161.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 73.17 161.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 105.20 161.25 Td (are ) Tj ET Q q 0 0 0 rg BT 119.45 161.25 Td (also ) Tj ET Q q 0 0 0 rg BT 137.60 161.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 167.97 161.25 Td (to ) Tj ET Q q 0 0 0 rg BT 177.79 161.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.05 161.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 235.77 161.25 Td (of ) Tj ET Q q 0 0 0 rg BT 246.14 161.25 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 291.51 161.25 Td (of ) Tj ET Q q 0 0 0 rg BT 301.88 161.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 342.24 161.25 Td (carriers ) Tj ET Q q 0 0 0 rg BT 374.26 161.25 Td (in ) Tj ET Q q 0 0 0 rg BT 384.08 161.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.34 161.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 447.58 161.25 Td (and ) Tj ET Q q 0 0 0 rg BT 464.06 161.25 Td (life ) Tj ET Q q 0 0 0 rg BT 479.43 161.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 519.79 161.25 Td (businesses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 149.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.68 149.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.58 149.25 Td (in ) Tj ET Q q 0 0 0 rg BT 93.04 149.25 Td (possession ) Tj ET Q q 0 0 0 rg BT 138.51 149.25 Td (of ) Tj ET Q q 0 0 0 rg BT 149.53 149.25 Td (our ) Tj ET Q q 0 0 0 rg BT 165.55 149.25 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 207.93 149.25 Td (If ) Tj ET Q q 0 0 0 rg BT 217.28 149.25 Td (one ) Tj ET Q q 0 0 0 rg BT 234.40 149.25 Td (or ) Tj ET Q q 0 0 0 rg BT 245.42 149.25 Td (more ) Tj ET Q q 0 0 0 rg BT 268.65 149.25 Td (lar) Tj ET Q q 0 0 0 rg BT 279.02 149.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 291.15 149.25 Td (nationwide ) Tj ET Q q 0 0 0 rg BT 338.27 149.25 Td (insurers ) Tj ET Q q 0 0 0 rg BT 372.61 149.25 Td (were ) Tj ET Q q 0 0 0 rg BT 394.73 149.25 Td (to ) Tj ET Q q 0 0 0 rg BT 405.19 149.25 Td (fail, ) Tj ET Q q 0 0 0 rg BT 423.71 149.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.61 149.25 Td (value ) Tj ET Q q 0 0 0 rg BT 462.95 149.25 Td (of ) Tj ET Q q 0 0 0 rg BT 473.97 149.25 Td (our ) Tj ET Q q 0 0 0 rg BT 489.99 149.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 527.67 149.25 Td (could ) Tj ET Q q 0 0 0 rg BT 552.57 149.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 137.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 102.08 137.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 145.82 137.25 Td (impacted. ) Tj ET Q q 0 0 0 rg BT 186.60 137.25 Td (A) Tj ET Q q 0 0 0 rg BT 193.27 137.25 Td ( ) Tj ET Q q 0 0 0 rg BT 195.36 137.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 239.66 137.25 Td (downgrade ) Tj ET Q q 0 0 0 rg BT 286.18 137.25 Td (in ) Tj ET Q q 0 0 0 rg BT 296.05 137.25 Td (the ) Tj ET Q q 0 0 0 rg BT 310.35 137.25 Td (value ) Tj ET Q q 0 0 0 rg BT 334.10 137.25 Td (of ) Tj ET Q q 0 0 0 rg BT 344.52 137.25 Td (the ) Tj ET Q q 0 0 0 rg BT 358.83 137.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 398.11 137.25 Td (supporting ) Tj ET Q q 0 0 0 rg BT 442.98 137.25 Td (our ) Tj ET Q q 0 0 0 rg BT 458.40 137.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 496.59 137.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 528.11 137.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 125.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 125.25 Td (impair ) Tj ET Q q 0 0 0 rg BT 103.32 125.25 Td (our ) Tj ET Q q 0 0 0 rg BT 119.15 125.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 147.20 125.25 Td (to ) Tj ET Q q 0 0 0 rg BT 157.48 125.25 Td (create ) Tj ET Q q 0 0 0 rg BT 183.84 125.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 220.23 125.25 Td (for ) Tj ET Q q 0 0 0 rg BT 234.39 125.25 Td (this ) Tj ET Q q 0 0 0 rg BT 251.34 125.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 290.23 125.25 Td (which, ) Tj ET Q q 0 0 0 rg BT 319.67 125.25 Td (in ) Tj ET Q q 0 0 0 rg BT 329.95 125.25 Td (turn ) Tj ET Q q 0 0 0 rg BT 348.56 125.25 Td (could ) Tj ET Q q 0 0 0 rg BT 373.28 125.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 417.43 125.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 447.14 125.25 Td (our ) Tj ET Q q 0 0 0 rg BT 462.97 125.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 491.02 125.25 Td (to ) Tj ET Q q 0 0 0 rg BT 501.30 125.25 Td (expand.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 108.25 Td (Proposed ) Tj ET Q q 0 0 0 rg BT 90.83 108.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 136.11 108.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 172.50 108.25 Td (could ) Tj ET Q q 0 0 0 rg BT 197.78 108.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 251.39 108.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 281.66 108.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 302.50 108.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 335.00 108.25 Td (and ) Tj ET Q q 0 0 0 rg BT 353.06 108.25 Td (impair ) Tj ET Q q 0 0 0 rg BT 382.78 108.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.06 108.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 437.79 108.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 479.18 108.25 Td (of ) Tj ET Q q 0 0 0 rg BT 490.01 108.25 Td (FIFC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.25 Td (FinCEN ) Tj ET Q q 0 0 0 rg BT 87.04 84.25 Td (has ) Tj ET Q q 0 0 0 rg BT 104.06 84.25 Td (proposed ) Tj ET Q q 0 0 0 rg BT 144.42 84.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 187.29 84.25 Td (AML) Tj ET Q q 0 0 0 rg BT 209.14 84.25 Td ( ) Tj ET Q q 0 0 0 rg BT 212.84 84.25 Td (rules ) Tj ET Q q 0 0 0 rg BT 235.97 84.25 Td (that ) Tj ET Q q 0 0 0 rg BT 254.66 84.25 Td (would ) Tj ET Q q 0 0 0 rg BT 283.36 84.25 Td (require ) Tj ET Q q 0 0 0 rg BT 315.37 84.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 342.40 84.25 Td (to ) Tj ET Q q 0 0 0 rg BT 353.87 84.25 Td (gather ) Tj ET Q q 0 0 0 rg BT 382.55 84.25 Td (and ) Tj ET Q q 0 0 0 rg BT 400.69 84.25 Td (verify ) Tj ET Q q 0 0 0 rg BT 428.26 84.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 471.95 84.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 512.30 84.25 Td (information, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.25 Td (including ) Tj ET Q q 0 0 0 rg BT 89.95 72.25 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 131.54 72.25 Td (ownership ) Tj ET Q q 0 0 0 rg BT 175.38 72.25 Td (of ) Tj ET Q q 0 0 0 rg BT 185.88 72.25 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 231.10 72.25 Td ( ) Tj ET Q q 0 0 0 rg BT 233.12 72.25 Td (These ) Tj ET Q q 0 0 0 rg BT 259.17 72.25 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 316.05 72.25 Td (if ) Tj ET Q q 0 0 0 rg BT 324.33 72.25 Td (imposed ) Tj ET Q q 0 0 0 rg BT 360.39 72.25 Td (on ) Tj ET Q q 0 0 0 rg BT 372.57 72.25 Td (FIFC, ) Tj ET Q q 0 0 0 rg BT 398.37 72.25 Td (would ) Tj ET Q q 0 0 0 rg BT 425.54 72.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 450.49 72.25 Td (impose ) Tj ET Q q 0 0 0 rg BT 481.55 72.25 Td (delays ) Tj ET Q q 0 0 0 rg BT 509.28 72.25 Td (in ) Tj ET Q q 0 0 0 rg BT 519.23 72.25 Td (processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 60.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 88.26 60.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 119.84 60.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 139.22 60.25 Td (applications ) Tj ET Q q 0 0 0 rg BT 189.69 60.25 Td (and ) Tj ET Q q 0 0 0 rg BT 206.29 60.25 Td (may ) Tj ET Q q 0 0 0 rg BT 225.66 60.25 Td (result ) Tj ET Q q 0 0 0 rg BT 250.04 60.25 Td (in ) Tj ET Q q 0 0 0 rg BT 259.97 60.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 299.90 60.25 Td (of ) Tj ET Q q 0 0 0 rg BT 310.39 60.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 329.76 60.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 375.79 60.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 407.95 60.25 Td (to ) Tj ET Q q 0 0 0 rg BT 417.88 60.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 456.14 60.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 487.72 60.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 532.64 60.25 Td (that ) Tj ET Q q 0 0 0 rg BT 549.80 60.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 48.25 Td (not ) Tj ET Q q 0 0 0 rg BT 65.41 48.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 96.37 48.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.78 48.25 Td (these ) Tj ET Q q 0 0 0 rg BT 129.38 48.25 Td (AML) Tj ET Q q 0 0 0 rg BT 151.23 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 153.86 48.25 Td (rules, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 178.43 48.25 Td (i.e.,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.14 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 195.78 48.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 234.51 48.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 266.57 48.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 311.96 48.25 Td (that ) Tj ET Q q 0 0 0 rg BT 329.59 48.25 Td (are ) Tj ET Q q 0 0 0 rg BT 344.43 48.25 Td (not ) Tj ET Q q 0 0 0 rg BT 359.84 48.25 Td (af) Tj ET Q q 0 0 0 rg BT 367.43 48.25 Td (filiated ) Tj ET Q q 0 0 0 rg BT 398.38 48.25 Td (with ) Tj ET Q q 0 0 0 rg BT 418.79 48.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 447.25 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 449.30 48.25 Td (A) Tj ET Q q 0 0 0 rg BT 455.97 48.25 Td ( ) Tj ET Q q 0 0 0 rg BT 458.60 48.25 Td (material ) Tj ET Q q 0 0 0 rg BT 493.99 48.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 534.39 48.25 Td (in ) Tj ET Q q 0 0 0 rg BT 544.80 48.25 Td (loan ) Tj ET Q endstream endobj 71 0 obj <> endobj 72 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (35) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 96.41 742.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 128.94 742.10 Td (would ) Tj ET Q q 0 0 0 rg BT 156.47 742.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 181.78 742.10 Td (impair ) Tj ET Q q 0 0 0 rg BT 210.42 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.17 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 262.68 742.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 302.99 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.85 742.10 Td (FIFC. ) Tj ET Q q 0 0 0 rg BT 340.01 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.36 742.10 Td (There ) Tj ET Q q 0 0 0 rg BT 368.21 742.10 Td (can ) Tj ET Q q 0 0 0 rg BT 384.62 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 396.59 742.10 Td (no ) Tj ET Q q 0 0 0 rg BT 409.13 742.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 450.53 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 468.06 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.81 742.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 522.00 742.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (AML) Tj ET Q q 0 0 0 rg BT 71.85 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 74.35 730.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 96.29 730.10 Td (will ) Tj ET Q q 0 0 0 rg BT 114.35 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 126.28 730.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 153.78 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 166.28 730.10 Td (FinCEN ) Tj ET Q q 0 0 0 rg BT 202.12 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 212.40 730.10 Td (final ) Tj ET Q q 0 0 0 rg BT 233.23 730.10 Td (form, ) Tj ET Q q 0 0 0 rg BT 257.67 730.10 Td (when ) Tj ET Q q 0 0 0 rg BT 281.83 730.10 Td (they ) Tj ET Q q 0 0 0 rg BT 301.54 730.10 Td (might ) Tj ET Q q 0 0 0 rg BT 327.38 730.10 Td (become ) Tj ET Q q 0 0 0 rg BT 360.97 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 368.56 730.10 Td (fective, ) Tj ET Q q 0 0 0 rg BT 400.76 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 411.59 730.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 446.30 730.10 Td (they ) Tj ET Q q 0 0 0 rg BT 466.02 730.10 Td (will ) Tj ET Q q 0 0 0 rg BT 484.07 730.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 508.79 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.07 730.10 Td (FIFC.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 70.62 709.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 101.78 709.10 Td (management ) Tj ET Q q 0 0 0 rg BT 159.06 709.10 Td (business ) Tj ET Q q 0 0 0 rg BT 198.01 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 210.29 709.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 247.84 709.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.06 709.10 Td (WHI's ) Tj ET Q q 0 0 0 rg BT 298.23 709.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 343.83 709.10 Td (operation, ) Tj ET Q q 0 0 0 rg BT 389.72 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 402.00 709.10 Td (particular) Tj ET Q q 0 0 0 rg BT 442.57 709.10 Td (, ) Tj ET Q q 0 0 0 rg BT 449.01 709.10 Td (exposes ) Tj ET Q q 0 0 0 rg BT 484.61 709.10 Td (us ) Tj ET Q q 0 0 0 rg BT 498.00 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 509.72 709.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 542.55 709.10 Td (risks ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 94.72 697.10 Td (with ) Tj ET Q q 0 0 0 rg BT 115.00 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.28 697.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 171.67 697.10 Td (industry) Tj ET Q q 0 0 0 rg BT 205.20 697.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 680.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.75 680.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 98.60 680.10 Td (management ) Tj ET Q q 0 0 0 rg BT 152.88 680.10 Td (business ) Tj ET Q q 0 0 0 rg BT 189.97 680.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.94 680.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 236.06 680.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.47 680.10 Td (WHI's ) Tj ET Q q 0 0 0 rg BT 282.35 680.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 325.52 680.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 370.37 680.10 Td (in ) Tj ET Q q 0 0 0 rg BT 381.34 680.10 Td (particular) Tj ET Q q 0 0 0 rg BT 419.25 680.10 Td (, ) Tj ET Q q 0 0 0 rg BT 424.95 680.10 Td (present ) Tj ET Q q 0 0 0 rg BT 457.02 680.10 Td (special ) Tj ET Q q 0 0 0 rg BT 487.98 680.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 510.07 680.10 Td (not ) Tj ET Q q 0 0 0 rg BT 526.04 680.10 Td (borne ) Tj ET Q q 0 0 0 rg BT 552.01 680.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 668.10 Td (community ) Tj ET Q q 0 0 0 rg BT 97.77 668.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 123.31 668.10 Td (that ) Tj ET Q q 0 0 0 rg BT 140.52 668.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 164.40 668.10 Td (exclusively ) Tj ET Q q 0 0 0 rg BT 212.16 668.10 Td (on ) Tj ET Q q 0 0 0 rg BT 224.37 668.10 Td (community ) Tj ET Q q 0 0 0 rg BT 272.14 668.10 Td (banking. ) Tj ET Q q 0 0 0 rg BT 309.07 668.10 Td (For ) Tj ET Q q 0 0 0 rg BT 325.18 668.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 363.77 668.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.20 668.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 420.39 668.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 455.39 668.10 Td (is ) Tj ET Q q 0 0 0 rg BT 464.27 668.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 494.81 668.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.81 668.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 554.24 668.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 656.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.54 656.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 87.98 656.10 Td (market ) Tj ET Q q 0 0 0 rg BT 118.07 656.10 Td (that ) Tj ET Q q 0 0 0 rg BT 135.39 656.10 Td (may ) Tj ET Q q 0 0 0 rg BT 154.93 656.10 Td (have ) Tj ET Q q 0 0 0 rg BT 176.14 656.10 Td (a ) Tj ET Q q 0 0 0 rg BT 182.90 656.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 227.44 656.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 260.31 656.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 289.84 656.10 Td (on ) Tj ET Q q 0 0 0 rg BT 302.17 656.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 348.37 656.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 369.29 656.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 408.28 656.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 440.59 656.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.36 656.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 503.57 656.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 540.89 656.10 Td (gains ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 644.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.45 644.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 96.85 644.10 Td (Likewise, ) Tj ET Q q 0 0 0 rg BT 139.02 644.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 182.02 644.10 Td (or ) Tj ET Q q 0 0 0 rg BT 193.36 644.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 232.48 644.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 279.92 644.10 Td (may ) Tj ET Q q 0 0 0 rg BT 300.15 644.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 341.48 644.10 Td (af) Tj ET Q q 0 0 0 rg BT 349.07 644.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 367.07 644.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.41 644.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 413.07 644.10 Td (management ) Tj ET Q q 0 0 0 rg BT 467.17 644.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 514.34 644.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 537.34 644.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.68 644.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 632.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 79.87 632.10 Td (management ) Tj ET Q q 0 0 0 rg BT 134.17 632.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 179.04 632.10 Td (is ) Tj ET Q q 0 0 0 rg BT 188.92 632.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 233.22 632.10 Td (on ) Tj ET Q q 0 0 0 rg BT 246.43 632.10 Td (a ) Tj ET Q q 0 0 0 rg BT 254.08 632.10 Td (small ) Tj ET Q q 0 0 0 rg BT 278.96 632.10 Td (number ) Tj ET Q q 0 0 0 rg BT 312.72 632.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.26 632.10 Td (professionals ) Tj ET Q q 0 0 0 rg BT 380.24 632.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 409.01 632.10 Td (departure ) Tj ET Q q 0 0 0 rg BT 449.97 632.10 Td (could ) Tj ET Q q 0 0 0 rg BT 475.40 632.10 Td (result ) Tj ET Q q 0 0 0 rg BT 500.83 632.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.82 632.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.25 632.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 546.02 632.10 Td (of ) Tj ET Q q 0 0 0 rg BT 557.56 632.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 620.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 93.98 620.10 Td (number ) Tj ET Q q 0 0 0 rg BT 126.30 620.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.40 620.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 174.82 620.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 213.69 620.10 Td (A) Tj ET Q q 0 0 0 rg BT 220.36 620.10 Td ( ) Tj ET Q q 0 0 0 rg BT 222.13 620.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 266.11 620.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 296.75 620.10 Td (in ) Tj ET Q q 0 0 0 rg BT 306.30 620.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 324.17 620.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.38 620.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 394.38 620.10 Td (or ) Tj ET Q q 0 0 0 rg BT 404.48 620.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 434.57 620.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 460.23 620.10 Td (suf) Tj ET Q q 0 0 0 rg BT 472.27 620.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 494.58 620.10 Td (in ) Tj ET Q q 0 0 0 rg BT 504.13 620.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.12 620.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 86.70 608.10 Td (could ) Tj ET Q q 0 0 0 rg BT 110.62 608.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 150.63 608.10 Td (af) Tj ET Q q 0 0 0 rg BT 158.22 608.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 174.91 608.10 Td (our ) Tj ET Q q 0 0 0 rg BT 189.94 608.10 Td (results ) Tj ET Q q 0 0 0 rg BT 217.75 608.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.78 608.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 273.64 608.10 Td (In ) Tj ET Q q 0 0 0 rg BT 283.67 608.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 320.64 608.10 Td (we ) Tj ET Q q 0 0 0 rg BT 334.01 608.10 Td (are ) Tj ET Q q 0 0 0 rg BT 347.92 608.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 377.94 608.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.42 608.10 Td (claim ) Tj ET Q q 0 0 0 rg BT 411.34 608.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 454.69 608.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 471.39 608.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 500.31 608.10 Td (from ) Tj ET Q q 0 0 0 rg BT 521.45 608.10 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.10 Td (who ) Tj ET Q q 0 0 0 rg BT 69.74 596.10 Td (claim ) Tj ET Q q 0 0 0 rg BT 94.48 596.10 Td (their ) Tj ET Q q 0 0 0 rg BT 115.32 596.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 165.62 596.10 Td (were ) Tj ET Q q 0 0 0 rg BT 187.57 596.10 Td (not ) Tj ET Q q 0 0 0 rg BT 202.87 596.10 Td (suitable ) Tj ET Q q 0 0 0 rg BT 236.50 596.10 Td (or ) Tj ET Q q 0 0 0 rg BT 247.35 596.10 Td (that ) Tj ET Q q 0 0 0 rg BT 264.87 596.10 Td (their ) Tj ET Q q 0 0 0 rg BT 285.71 596.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 327.12 596.10 Td (were ) Tj ET Q q 0 0 0 rg BT 349.07 596.10 Td (inappropriately ) Tj ET Q q 0 0 0 rg BT 412.68 596.10 Td (traded. ) Tj ET Q q 0 0 0 rg BT 442.51 596.10 Td (These ) Tj ET Q q 0 0 0 rg BT 468.91 596.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 490.32 596.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 525.60 596.10 Td (when ) Tj ET Q q 0 0 0 rg BT 549.78 596.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 584.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 83.29 584.10 Td (as ) Tj ET Q q 0 0 0 rg BT 94.64 584.10 Td (a ) Tj ET Q q 0 0 0 rg BT 102.10 584.10 Td (whole, ) Tj ET Q q 0 0 0 rg BT 132.06 584.10 Td (declines. ) Tj ET Q q 0 0 0 rg BT 170.13 584.10 Td (The ) Tj ET Q q 0 0 0 rg BT 188.70 584.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 210.61 584.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 254.73 584.10 Td (with ) Tj ET Q q 0 0 0 rg BT 275.53 584.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 299.09 584.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 342.09 584.10 Td (may ) Tj ET Q q 0 0 0 rg BT 362.33 584.10 Td (not ) Tj ET Q q 0 0 0 rg BT 378.13 584.10 Td (be ) Tj ET Q q 0 0 0 rg BT 390.59 584.10 Td (supported ) Tj ET Q q 0 0 0 rg BT 433.05 584.10 Td (by ) Tj ET Q q 0 0 0 rg BT 446.08 584.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.31 584.10 Td (income ) Tj ET Q q 0 0 0 rg BT 493.77 584.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 535.66 584.10 Td (by ) Tj ET Q q 0 0 0 rg BT 548.68 584.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 79.16 572.10 Td (management ) Tj ET Q q 0 0 0 rg BT 132.74 572.10 Td (operations.) Tj ET Q endstream endobj 73 0 obj <> endobj 74 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (36) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM1B. UNRESOL) Tj ET Q q 0 0 0 rg BT 143.27 742.25 Td (VED ST) Tj ET Q q 0 0 0 rg BT 178.37 742.25 Td (AFF) Tj ET Q q 0 0 0 rg BT 197.44 742.25 Td ( COMMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (None.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (ITEM2. PROPER) Tj ET Q q 0 0 0 rg BT 129.93 700.25 Td (TIES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 679.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.08 679.25 Td (Company) Tj ET Q q 0 0 0 rg BT 110.74 679.25 Td (s ) Tj ET Q q 0 0 0 rg BT 118.17 679.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 160.01 679.25 Td (of) Tj ET Q q 0 0 0 rg BT 168.16 679.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 190.57 679.25 Td (are ) Tj ET Q q 0 0 0 rg BT 206.31 679.25 Td (located ) Tj ET Q q 0 0 0 rg BT 238.71 679.25 Td (at ) Tj ET Q q 0 0 0 rg BT 249.46 679.25 Td (9700 ) Tj ET Q q 0 0 0 rg BT 272.73 679.25 Td (W) Tj ET Q q 0 0 0 rg BT 281.26 679.25 Td (. ) Tj ET Q q 0 0 0 rg BT 287.29 679.25 Td (Higgins ) Tj ET Q q 0 0 0 rg BT 322.49 679.25 Td (Road, ) Tj ET Q q 0 0 0 rg BT 349.63 679.25 Td (Rosemont, ) Tj ET Q q 0 0 0 rg BT 396.22 679.25 Td (Illinois. ) Tj ET Q q 0 0 0 rg BT 430.33 679.25 Td (The ) Tj ET Q q 0 0 0 rg BT 449.41 679.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 491.83 679.25 Td (also ) Tj ET Q q 0 0 0 rg BT 511.47 679.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 538.87 679.25 Td (of) Tj ET Q q 0 0 0 rg BT 547.02 679.25 Td (fice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 667.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 89.09 667.25 Td (and ) Tj ET Q q 0 0 0 rg BT 106.52 667.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 130.05 667.25 Td (space ) Tj ET Q q 0 0 0 rg BT 155.24 667.25 Td (at ) Tj ET Q q 0 0 0 rg BT 165.45 667.25 Td (231 ) Tj ET Q q 0 0 0 rg BT 183.44 667.25 Td (S. ) Tj ET Q q 0 0 0 rg BT 194.49 667.25 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 228.02 667.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 254.33 667.25 Td (in ) Tj ET Q q 0 0 0 rg BT 265.10 667.25 Td (downtown ) Tj ET Q q 0 0 0 rg BT 310.31 667.25 Td (Chicago. ) Tj ET Q q 0 0 0 rg BT 349.12 667.25 Td ( ) Tj ET Q q 0 0 0 rg BT 351.89 667.25 Td (The ) Tj ET Q q 0 0 0 rg BT 370.43 667.25 Td (Company) Tj ET Q q 0 0 0 rg BT 412.09 667.25 Td (s ) Tj ET Q q 0 0 0 rg BT 418.97 667.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 445.29 667.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 477.70 667.25 Td (through ) Tj ET Q q 0 0 0 rg BT 511.80 667.25 Td (152 ) Tj ET Q q 0 0 0 rg BT 529.79 667.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 655.25 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 89.29 655.25 Td (the ) Tj ET Q q 0 0 0 rg BT 103.87 655.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 140.11 655.25 Td (of ) Tj ET Q q 0 0 0 rg BT 150.80 655.25 Td (which ) Tj ET Q q 0 0 0 rg BT 177.60 655.25 Td (are ) Tj ET Q q 0 0 0 rg BT 192.16 655.25 Td (owned. ) Tj ET Q q 0 0 0 rg BT 223.51 655.25 Td (The ) Tj ET Q q 0 0 0 rg BT 241.42 655.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 282.66 655.25 Td (owns ) Tj ET Q q 0 0 0 rg BT 306.14 655.25 Td (224 ) Tj ET Q q 0 0 0 rg BT 323.50 655.25 Td (automatic ) Tj ET Q q 0 0 0 rg BT 365.29 655.25 Td (teller ) Tj ET Q q 0 0 0 rg BT 388.19 655.25 Td (machines, ) Tj ET Q q 0 0 0 rg BT 430.81 655.25 Td (the ) Tj ET Q q 0 0 0 rg BT 445.39 655.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 481.63 655.25 Td (of ) Tj ET Q q 0 0 0 rg BT 492.32 655.25 Td (which ) Tj ET Q q 0 0 0 rg BT 519.12 655.25 Td (are ) Tj ET Q q 0 0 0 rg BT 533.69 655.25 Td (housed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (at ) Tj ET Q q 0 0 0 rg BT 60.06 643.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 95.11 643.25 Td (locations. ) Tj ET Q q 0 0 0 rg BT 136.35 643.25 Td (The ) Tj ET Q q 0 0 0 rg BT 154.73 643.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 189.79 643.25 Td (facilities ) Tj ET Q q 0 0 0 rg BT 227.05 643.25 Td (are ) Tj ET Q q 0 0 0 rg BT 242.10 643.25 Td (located ) Tj ET Q q 0 0 0 rg BT 273.81 643.25 Td (in ) Tj ET Q q 0 0 0 rg BT 284.43 643.25 Td (communities ) Tj ET Q q 0 0 0 rg BT 338.93 643.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 385.65 643.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.71 643.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 436.87 643.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 490.81 643.25 Td (area ) Tj ET Q q 0 0 0 rg BT 510.29 643.25 Td (and ) Tj ET Q q 0 0 0 rg BT 527.57 643.25 Td (southern ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 631.25 Td (isconsin. ) Tj ET Q q 0 0 0 rg BT 96.82 631.25 Td (Excess ) Tj ET Q q 0 0 0 rg BT 127.08 631.25 Td (space ) Tj ET Q q 0 0 0 rg BT 151.79 631.25 Td (in ) Tj ET Q q 0 0 0 rg BT 162.07 631.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 191.77 631.25 Td (properties ) Tj ET Q q 0 0 0 rg BT 234.26 631.25 Td (is ) Tj ET Q q 0 0 0 rg BT 243.43 631.25 Td (leased ) Tj ET Q q 0 0 0 rg BT 270.91 631.25 Td (to ) Tj ET Q q 0 0 0 rg BT 281.19 631.25 Td (third ) Tj ET Q q 0 0 0 rg BT 302.58 631.25 Td (parties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.06 610.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.72 610.25 Td (s ) Tj ET Q q 0 0 0 rg BT 116.13 610.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 145.30 610.25 Td (management ) Tj ET Q q 0 0 0 rg BT 198.90 610.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 248.63 610.25 Td (have ) Tj ET Q q 0 0 0 rg BT 270.01 610.25 Td (one ) Tj ET Q q 0 0 0 rg BT 286.97 610.25 Td (location ) Tj ET Q q 0 0 0 rg BT 321.69 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 331.98 610.25 Td (downtown ) Tj ET Q q 0 0 0 rg BT 376.71 610.25 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 415.05 610.25 Td (one ) Tj ET Q q 0 0 0 rg BT 432.00 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 441.74 610.25 Td (Appleton, ) Tj ET Q q 0 0 0 rg BT 483.79 610.25 Td (W) Tj ET Q q 0 0 0 rg BT 492.82 610.25 Td (isconsin, ) Tj ET Q q 0 0 0 rg BT 530.61 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 547.56 610.25 Td (one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 61.51 598.25 Td (Safety ) Tj ET Q q 0 0 0 rg BT 90.79 598.25 Td (Harbor) Tj ET Q q 0 0 0 rg BT 118.71 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 124.95 598.25 Td (Florida, ) Tj ET Q q 0 0 0 rg BT 160.07 598.25 Td (all ) Tj ET Q q 0 0 0 rg BT 173.80 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 185.86 598.25 Td (which ) Tj ET Q q 0 0 0 rg BT 214.04 598.25 Td (are ) Tj ET Q q 0 0 0 rg BT 229.98 598.25 Td (leased, ) Tj ET Q q 0 0 0 rg BT 261.20 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 273.26 598.25 Td (well ) Tj ET Q q 0 0 0 rg BT 294.21 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 306.28 598.25 Td (of) Tj ET Q q 0 0 0 rg BT 314.43 598.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 333.15 598.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 372.98 598.25 Td (at ) Tj ET Q q 0 0 0 rg BT 383.94 598.25 Td (several ) Tj ET Q q 0 0 0 rg BT 415.99 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 428.05 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 445.11 598.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 474.41 598.25 Td (W) Tj ET Q q 0 0 0 rg BT 483.45 598.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 512.74 598.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 555.35 598.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 109.59 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 120.32 586.25 Td (our ) Tj ET Q q 0 0 0 rg BT 136.61 586.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 177.32 586.25 Td (headquarters ) Tj ET Q q 0 0 0 rg BT 231.35 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 242.09 586.25 Td (Rosemont, ) Tj ET Q q 0 0 0 rg BT 288.10 586.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 319.39 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 336.79 586.25 Td (has ) Tj ET Q q 0 0 0 rg BT 353.07 586.25 Td (55 ) Tj ET Q q 0 0 0 rg BT 366.03 586.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 405.09 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 415.82 586.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 428.78 586.25 Td (states, ) Tj ET Q q 0 0 0 rg BT 456.45 586.25 Td (all ) Tj ET Q q 0 0 0 rg BT 469.40 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 480.68 586.25 Td (which ) Tj ET Q q 0 0 0 rg BT 508.08 586.25 Td (are ) Tj ET Q q 0 0 0 rg BT 523.24 586.25 Td (leased, ) Tj ET Q q 0 0 0 rg BT 553.68 586.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (well ) Tj ET Q q 0 0 0 rg BT 70.16 574.25 Td (as ) Tj ET Q q 0 0 0 rg BT 81.43 574.25 Td (of) Tj ET Q q 0 0 0 rg BT 89.58 574.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 107.50 574.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 146.54 574.25 Td (at ) Tj ET Q q 0 0 0 rg BT 156.70 574.25 Td (several ) Tj ET Q q 0 0 0 rg BT 187.95 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.22 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 215.49 574.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 244.26 574.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 268.33 574.25 Td (has ) Tj ET Q q 0 0 0 rg BT 284.59 574.25 Td (one ) Tj ET Q q 0 0 0 rg BT 301.97 574.25 Td (location ) Tj ET Q q 0 0 0 rg BT 337.12 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 347.84 574.25 Td (Northbrook, ) Tj ET Q q 0 0 0 rg BT 399.94 574.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 431.22 574.25 Td (which ) Tj ET Q q 0 0 0 rg BT 458.59 574.25 Td (is ) Tj ET Q q 0 0 0 rg BT 468.20 574.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 497.80 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.18 574.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 554.22 574.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (Jersey ) Tj ET Q q 0 0 0 rg BT 77.20 562.25 Td (City) Tj ET Q q 0 0 0 rg BT 93.78 562.25 Td (, ) Tj ET Q q 0 0 0 rg BT 98.48 562.25 Td (New ) Tj ET Q q 0 0 0 rg BT 119.57 562.25 Td (Jersey ) Tj ET Q q 0 0 0 rg BT 146.77 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 163.42 562.25 Td (Long ) Tj ET Q q 0 0 0 rg BT 186.74 562.25 Td (Island, ) Tj ET Q q 0 0 0 rg BT 215.88 562.25 Td (New ) Tj ET Q q 0 0 0 rg BT 236.65 562.25 Td (Y) Tj ET Q q 0 0 0 rg BT 242.87 562.25 Td (ork ) Tj ET Q q 0 0 0 rg BT 258.41 562.25 Td (which ) Tj ET Q q 0 0 0 rg BT 285.05 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 299.47 562.25 Td (leased. ) Tj ET Q q 0 0 0 rg BT 329.16 562.25 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 352.49 562.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 384.69 562.25 Td (has ) Tj ET Q q 0 0 0 rg BT 400.23 562.25 Td (three ) Tj ET Q q 0 0 0 rg BT 422.42 562.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 460.73 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 470.72 562.25 Td (Canada ) Tj ET Q q 0 0 0 rg BT 502.91 562.25 Td (that ) Tj ET Q q 0 0 0 rg BT 520.12 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 534.53 562.25 Td (leased, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (located ) Tj ET Q q 0 0 0 rg BT 80.72 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 90.21 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 95.62 550.25 Td (oronto, ) Tj ET Q q 0 0 0 rg BT 126.07 550.25 Td (Ontario, ) Tj ET Q q 0 0 0 rg BT 160.96 550.25 Td (Mississauga, ) Tj ET Q q 0 0 0 rg BT 214.20 550.25 Td (Ontario ) Tj ET Q q 0 0 0 rg BT 246.59 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.74 550.25 Td (V) Tj ET Q q 0 0 0 rg BT 268.85 550.25 Td (ancouver) Tj ET Q q 0 0 0 rg BT 305.10 550.25 Td (, ) Tj ET Q q 0 0 0 rg BT 309.44 550.25 Td (British ) Tj ET Q q 0 0 0 rg BT 338.51 550.25 Td (Columbia. ) Tj ET Q q 0 0 0 rg BT 382.17 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 387.93 550.25 Td (ricom ) Tj ET Q q 0 0 0 rg BT 413.10 550.25 Td (has ) Tj ET Q q 0 0 0 rg BT 428.27 550.25 Td (one ) Tj ET Q q 0 0 0 rg BT 444.55 550.25 Td (location ) Tj ET Q q 0 0 0 rg BT 478.61 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 488.23 550.25 Td (Menomonee ) Tj ET Q q 0 0 0 rg BT 540.06 550.25 Td (Falls, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 538.25 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 94.01 538.25 Td (which ) Tj ET Q q 0 0 0 rg BT 120.64 538.25 Td (is ) Tj ET Q q 0 0 0 rg BT 129.51 538.25 Td (owned. ) Tj ET Q q 0 0 0 rg BT 160.86 538.25 Td (In ) Tj ET Q q 0 0 0 rg BT 171.38 538.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 208.85 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.26 538.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 264.34 538.25 Td (owns ) Tj ET Q q 0 0 0 rg BT 287.65 538.25 Td (other ) Tj ET Q q 0 0 0 rg BT 310.39 538.25 Td (real ) Tj ET Q q 0 0 0 rg BT 327.57 538.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 352.53 538.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 389.15 538.25 Td (for ) Tj ET Q q 0 0 0 rg BT 403.00 538.25 Td (further ) Tj ET Q q 0 0 0 rg BT 432.40 538.25 Td (expansion ) Tj ET Q q 0 0 0 rg BT 475.14 538.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 494.83 538.25 Td (when ) Tj ET Q q 0 0 0 rg BT 518.68 538.25 Td (considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 526.25 Td (aggregate, ) Tj ET Q q 0 0 0 rg BT 118.86 526.25 Td (is ) Tj ET Q q 0 0 0 rg BT 128.03 526.25 Td (not ) Tj ET Q q 0 0 0 rg BT 143.31 526.25 Td (material ) Tj ET Q q 0 0 0 rg BT 178.56 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 188.84 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 203.56 526.25 Td (Company) Tj ET Q q 0 0 0 rg BT 245.22 526.25 Td (s ) Tj ET Q q 0 0 0 rg BT 251.62 526.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 289.10 526.25 Td (position.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (ITEM3. LEGAL) Tj ET Q q 0 0 0 rg BT 123.63 505.25 Td ( PROCEEDINGS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (The Company and its subsidiaries, from time to time, are subject to pending and threatened legal action and proceedings arising ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (in the ordinary course of business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 447.25 Td (In ) Tj ET Q q 0 0 0 rg BT 61.27 447.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 109.17 447.25 Td (with ) Tj ET Q q 0 0 0 rg BT 129.90 447.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 173.93 447.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 220.74 447.25 Td (principles, ) Tj ET Q q 0 0 0 rg BT 265.62 447.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.77 447.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 322.60 447.25 Td (establishes ) Tj ET Q q 0 0 0 rg BT 368.87 447.25 Td (an ) Tj ET Q q 0 0 0 rg BT 381.25 447.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 415.28 447.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 449.33 447.25 Td (for ) Tj ET Q q 0 0 0 rg BT 463.93 447.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 502.98 447.25 Td (and ) Tj ET Q q 0 0 0 rg BT 520.36 447.25 Td (threatened ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 435.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 88.05 435.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 118.31 435.25 Td (and ) Tj ET Q q 0 0 0 rg BT 134.69 435.25 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 184.95 435.25 Td (when ) Tj ET Q q 0 0 0 rg BT 208.55 435.25 Td (those ) Tj ET Q q 0 0 0 rg BT 231.60 435.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 261.86 435.25 Td (present ) Tj ET Q q 0 0 0 rg BT 292.68 435.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 310.18 435.25 Td (contingencies ) Tj ET Q q 0 0 0 rg BT 367.10 435.25 Td (which ) Tj ET Q q 0 0 0 rg BT 393.48 435.25 Td (are ) Tj ET Q q 0 0 0 rg BT 407.63 435.25 Td (both ) Tj ET Q q 0 0 0 rg BT 427.34 435.25 Td (probable ) Tj ET Q q 0 0 0 rg BT 464.27 435.25 Td (and ) Tj ET Q q 0 0 0 rg BT 480.65 435.25 Td (estimable. ) Tj ET Q q 0 0 0 rg BT 523.41 435.25 Td (In ) Tj ET Q q 0 0 0 rg BT 533.68 435.25 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 423.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.39 423.25 Td (which ) Tj ET Q q 0 0 0 rg BT 89.55 423.25 Td (a ) Tj ET Q q 0 0 0 rg BT 95.72 423.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 113.00 423.25 Td (is ) Tj ET Q q 0 0 0 rg BT 121.40 423.25 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 166.44 423.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 200.94 423.25 Td (in ) Tj ET Q q 0 0 0 rg BT 210.45 423.25 Td (future ) Tj ET Q q 0 0 0 rg BT 236.05 423.25 Td (periods, ) Tj ET Q q 0 0 0 rg BT 269.72 423.25 Td (the ) Tj ET Q q 0 0 0 rg BT 283.66 423.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 324.27 423.25 Td (determines ) Tj ET Q q 0 0 0 rg BT 369.87 423.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 403.80 423.25 Td (it ) Tj ET Q q 0 0 0 rg BT 411.09 423.25 Td (can ) Tj ET Q q 0 0 0 rg BT 426.69 423.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 461.74 423.25 Td (a ) Tj ET Q q 0 0 0 rg BT 467.90 423.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 485.19 423.25 Td (or ) Tj ET Q q 0 0 0 rg BT 495.24 423.25 Td (range ) Tj ET Q q 0 0 0 rg BT 519.18 423.25 Td (of ) Tj ET Q q 0 0 0 rg BT 529.23 423.25 Td (possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 411.25 Td (loss. ) Tj ET Q q 0 0 0 rg BT 70.35 411.25 Td (T) Tj ET Q q 0 0 0 rg BT 75.76 411.25 Td (o ) Tj ET Q q 0 0 0 rg BT 83.23 411.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 125.68 411.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 160.35 411.25 Td (a ) Tj ET Q q 0 0 0 rg BT 167.26 411.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 202.50 411.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 220.53 411.25 Td (is ) Tj ET Q q 0 0 0 rg BT 229.67 411.25 Td (estimable, ) Tj ET Q q 0 0 0 rg BT 272.95 411.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.64 411.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 328.99 411.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 362.56 411.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.46 411.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 419.13 411.25 Td (its ) Tj ET Q q 0 0 0 rg BT 431.05 411.25 Td (material ) Tj ET Q q 0 0 0 rg BT 466.28 411.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 504.85 411.25 Td (on ) Tj ET Q q 0 0 0 rg BT 517.32 411.25 Td (an ) Tj ET Q q 0 0 0 rg BT 529.22 411.25 Td (ongoing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 399.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 74.69 399.25 Td (in ) Tj ET Q q 0 0 0 rg BT 84.67 399.25 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 134.07 399.25 Td (with ) Tj ET Q q 0 0 0 rg BT 154.04 399.25 Td (any ) Tj ET Q q 0 0 0 rg BT 170.68 399.25 Td (outside ) Tj ET Q q 0 0 0 rg BT 201.76 399.25 Td (counsel ) Tj ET Q q 0 0 0 rg BT 234.50 399.25 Td (handling ) Tj ET Q q 0 0 0 rg BT 271.69 399.25 Td (the ) Tj ET Q q 0 0 0 rg BT 286.10 399.25 Td (matter) Tj ET Q q 0 0 0 rg BT 311.24 399.25 Td (, ) Tj ET Q q 0 0 0 rg BT 315.93 399.25 Td (in ) Tj ET Q q 0 0 0 rg BT 325.90 399.25 Td (light ) Tj ET Q q 0 0 0 rg BT 346.43 399.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.96 399.25 Td (potentially ) Tj ET Q q 0 0 0 rg BT 401.92 399.25 Td (relevant ) Tj ET Q q 0 0 0 rg BT 436.32 399.25 Td (factual ) Tj ET Q q 0 0 0 rg BT 465.71 399.25 Td (and ) Tj ET Q q 0 0 0 rg BT 482.34 399.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 503.97 399.25 Td (developments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 387.25 Td (This ) Tj ET Q q 0 0 0 rg BT 70.62 387.25 Td (review ) Tj ET Q q 0 0 0 rg BT 100.66 387.25 Td (may ) Tj ET Q q 0 0 0 rg BT 120.72 387.25 Td (include ) Tj ET Q q 0 0 0 rg BT 152.99 387.25 Td (information ) Tj ET Q q 0 0 0 rg BT 203.04 387.25 Td (learned ) Tj ET Q q 0 0 0 rg BT 235.31 387.25 Td (through ) Tj ET Q q 0 0 0 rg BT 269.26 387.25 Td (the ) Tj ET Q q 0 0 0 rg BT 284.31 387.25 Td (discovery ) Tj ET Q q 0 0 0 rg BT 326.03 387.25 Td (process, ) Tj ET Q q 0 0 0 rg BT 361.36 387.25 Td (rulings ) Tj ET Q q 0 0 0 rg BT 391.98 387.25 Td (on ) Tj ET Q q 0 0 0 rg BT 404.81 387.25 Td (substantive ) Tj ET Q q 0 0 0 rg BT 452.65 387.25 Td (or ) Tj ET Q q 0 0 0 rg BT 463.82 387.25 Td (dispositive ) Tj ET Q q 0 0 0 rg BT 509.99 387.25 Td (motions, ) Tj ET Q q 0 0 0 rg BT 547.56 387.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 375.25 Td (settlement ) Tj ET Q q 0 0 0 rg BT 93.60 375.25 Td (discussions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 353.25 Td (On ) Tj ET Q q 0 0 0 rg BT 64.86 353.25 Td (March ) Tj ET Q q 0 0 0 rg BT 93.61 353.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 108.75 353.25 Td (2012, ) Tj ET Q q 0 0 0 rg BT 133.89 353.25 Td (a ) Tj ET Q q 0 0 0 rg BT 140.97 353.25 Td (former ) Tj ET Q q 0 0 0 rg BT 170.82 353.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 211.23 353.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 231.09 353.25 Td (originator ) Tj ET Q q 0 0 0 rg BT 273.17 353.25 Td (employed ) Tj ET Q q 0 0 0 rg BT 315.24 353.25 Td (by ) Tj ET Q q 0 0 0 rg BT 327.70 353.25 Td (W) Tj ET Q q 0 0 0 rg BT 336.73 353.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 364.93 353.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 406.45 353.25 Td (Company) Tj ET Q q 0 0 0 rg BT 444.69 353.25 Td (, ) Tj ET Q q 0 0 0 rg BT 449.83 353.25 Td (named ) Tj ET Q q 0 0 0 rg BT 478.94 353.25 Td (W) Tj ET Q q 0 0 0 rg BT 487.98 353.25 Td (intrust, ) Tj ET Q q 0 0 0 rg BT 518.68 353.25 Td (Barrington ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 341.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.96 341.25 Td (and ) Tj ET Q q 0 0 0 rg BT 91.24 341.25 Td (its ) Tj ET Q q 0 0 0 rg BT 103.54 341.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 143.99 341.25 Td (, ) Tj ET Q q 0 0 0 rg BT 149.14 341.25 Td (W) Tj ET Q q 0 0 0 rg BT 158.17 341.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 186.58 341.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 228.30 341.25 Td (Company) Tj ET Q q 0 0 0 rg BT 266.54 341.25 Td (, ) Tj ET Q q 0 0 0 rg BT 271.88 341.25 Td (as ) Tj ET Q q 0 0 0 rg BT 283.06 341.25 Td (defendants ) Tj ET Q q 0 0 0 rg BT 329.22 341.25 Td (in ) Tj ET Q q 0 0 0 rg BT 339.85 341.25 Td (a ) Tj ET Q q 0 0 0 rg BT 347.13 341.25 Td (Fair ) Tj ET Q q 0 0 0 rg BT 366.09 341.25 Td (Labor ) Tj ET Q q 0 0 0 rg BT 392.81 341.25 Td (Standards ) Tj ET Q q 0 0 0 rg BT 434.47 341.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 451.75 341.25 Td (class ) Tj ET Q q 0 0 0 rg BT 474.04 341.25 Td (action ) Tj ET Q q 0 0 0 rg BT 501.32 341.25 Td (lawsuit ) Tj ET Q q 0 0 0 rg BT 533.05 341.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 554.22 341.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 329.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.55 329.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 84.66 329.25 Td (District ) Tj ET Q q 0 0 0 rg BT 116.98 329.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 142.09 329.25 Td (for ) Tj ET Q q 0 0 0 rg BT 156.08 329.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.63 329.25 Td (Northern ) Tj ET Q q 0 0 0 rg BT 209.05 329.25 Td (District ) Tj ET Q q 0 0 0 rg BT 241.38 329.25 Td (of ) Tj ET Q q 0 0 0 rg BT 252.04 329.25 Td (Illinois. ) Tj ET Q q 0 0 0 rg BT 285.03 329.25 Td (The ) Tj ET Q q 0 0 0 rg BT 302.91 329.25 Td (suit ) Tj ET Q q 0 0 0 rg BT 319.69 329.25 Td (asserts ) Tj ET Q q 0 0 0 rg BT 348.67 329.25 Td (that ) Tj ET Q q 0 0 0 rg BT 365.83 329.25 Td (W) Tj ET Q q 0 0 0 rg BT 374.87 329.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 402.75 329.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 443.96 329.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 485.18 329.25 Td (violated ) Tj ET Q q 0 0 0 rg BT 519.72 329.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.26 329.25 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.25 Td (Fair ) Tj ET Q q 0 0 0 rg BT 69.25 317.25 Td (Labor ) Tj ET Q q 0 0 0 rg BT 96.27 317.25 Td (Standards ) Tj ET Q q 0 0 0 rg BT 138.16 317.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 155.75 317.25 Td (and ) Tj ET Q q 0 0 0 rg BT 173.33 317.25 Td (challenges ) Tj ET Q q 0 0 0 rg BT 218.68 317.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.04 317.25 Td (manner ) Tj ET Q q 0 0 0 rg BT 267.17 317.25 Td (in ) Tj ET Q q 0 0 0 rg BT 278.09 317.25 Td (which ) Tj ET Q q 0 0 0 rg BT 305.45 317.25 Td (W) Tj ET Q q 0 0 0 rg BT 314.48 317.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 343.19 317.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 385.21 317.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 427.24 317.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 468.15 317.25 Td (its ) Tj ET Q q 0 0 0 rg BT 480.74 317.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 501.10 317.25 Td (originators ) Tj ET Q q 0 0 0 rg BT 547.57 317.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.25 Td (compensated ) Tj ET Q q 0 0 0 rg BT 104.61 305.25 Td (them ) Tj ET Q q 0 0 0 rg BT 127.00 305.25 Td (for ) Tj ET Q q 0 0 0 rg BT 141.07 305.25 Td (their ) Tj ET Q q 0 0 0 rg BT 161.80 305.25 Td (work. ) Tj ET Q q 0 0 0 rg BT 187.08 305.25 Td (The ) Tj ET Q q 0 0 0 rg BT 205.03 305.25 Td (suit ) Tj ET Q q 0 0 0 rg BT 221.88 305.25 Td (also ) Tj ET Q q 0 0 0 rg BT 240.39 305.25 Td (seeks ) Tj ET Q q 0 0 0 rg BT 264.46 305.25 Td (to ) Tj ET Q q 0 0 0 rg BT 274.64 305.25 Td (assert ) Tj ET Q q 0 0 0 rg BT 299.81 305.25 Td (these ) Tj ET Q q 0 0 0 rg BT 322.76 305.25 Td (claims ) Tj ET Q q 0 0 0 rg BT 351.27 305.25 Td (as ) Tj ET Q q 0 0 0 rg BT 362.00 305.25 Td (a ) Tj ET Q q 0 0 0 rg BT 368.85 305.25 Td (class. ) Tj ET Q q 0 0 0 rg BT 393.19 305.25 Td (On ) Tj ET Q q 0 0 0 rg BT 407.81 305.25 Td (September ) Tj ET Q q 0 0 0 rg BT 452.98 305.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 467.89 305.25 Td (2013, ) Tj ET Q q 0 0 0 rg BT 492.79 305.25 Td (the ) Tj ET Q q 0 0 0 rg BT 507.41 305.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 532.59 305.25 Td (entered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.25 Td (an ) Tj ET Q q 0 0 0 rg BT 61.54 293.25 Td (order ) Tj ET Q q 0 0 0 rg BT 84.74 293.25 Td (conditionally ) Tj ET Q q 0 0 0 rg BT 139.61 293.25 Td (certifying ) Tj ET Q q 0 0 0 rg BT 180.58 293.25 Td (an ) Tj ET Q q 0 0 0 rg BT 192.12 293.25 Td (opt-in ) Tj ET Q q 0 0 0 rg BT 226.99 293.25 Td (class ) Tj ET Q q 0 0 0 rg BT 248.53 293.25 Td (in ) Tj ET Q q 0 0 0 rg BT 258.41 293.25 Td (this ) Tj ET Q q 0 0 0 rg BT 274.95 293.25 Td (case. ) Tj ET Q q 0 0 0 rg BT 296.76 293.25 Td (Notice ) Tj ET Q q 0 0 0 rg BT 325.52 293.25 Td (to ) Tj ET Q q 0 0 0 rg BT 335.40 293.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.72 293.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 386.81 293.25 Td (class ) Tj ET Q q 0 0 0 rg BT 408.35 293.25 Td (members ) Tj ET Q q 0 0 0 rg BT 447.10 293.25 Td (was ) Tj ET Q q 0 0 0 rg BT 464.76 293.25 Td (sent ) Tj ET Q q 0 0 0 rg BT 482.97 293.25 Td (on ) Tj ET Q q 0 0 0 rg BT 495.07 293.25 Td (or ) Tj ET Q q 0 0 0 rg BT 505.50 293.25 Td (about ) Tj ET Q q 0 0 0 rg BT 529.82 293.25 Td (October ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 281.25 Td (22, ) Tj ET Q q 0 0 0 rg BT 65.06 281.25 Td (2013, ) Tj ET Q q 0 0 0 rg BT 90.13 281.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 129.91 281.25 Td (informing ) Tj ET Q q 0 0 0 rg BT 172.47 281.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.25 281.25 Td (putative ) Tj ET Q q 0 0 0 rg BT 222.03 281.25 Td (class ) Tj ET Q q 0 0 0 rg BT 244.03 281.25 Td (of ) Tj ET Q q 0 0 0 rg BT 254.92 281.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.71 281.25 Td (right ) Tj ET Q q 0 0 0 rg BT 291.16 281.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.50 281.25 Td (opt-into ) Tj ET Q q 0 0 0 rg BT 335.73 281.25 Td (the ) Tj ET Q q 0 0 0 rg BT 350.51 281.25 Td (class ) Tj ET Q q 0 0 0 rg BT 372.52 281.25 Td (and ) Tj ET Q q 0 0 0 rg BT 389.52 281.25 Td (setting ) Tj ET Q q 0 0 0 rg BT 418.75 281.25 Td (a ) Tj ET Q q 0 0 0 rg BT 425.75 281.25 Td (deadline ) Tj ET Q q 0 0 0 rg BT 462.19 281.25 Td (for ) Tj ET Q q 0 0 0 rg BT 476.41 281.25 Td (same. ) Tj ET Q q 0 0 0 rg BT 501.46 281.25 Td (Approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 269.25 Td (15% ) Tj ET Q q 0 0 0 rg BT 70.46 269.25 Td (of ) Tj ET Q q 0 0 0 rg BT 80.92 269.25 Td (the ) Tj ET Q q 0 0 0 rg BT 95.26 269.25 Td (notice ) Tj ET Q q 0 0 0 rg BT 121.83 269.25 Td (recipients ) Tj ET Q q 0 0 0 rg BT 162.83 269.25 Td (joined ) Tj ET Q q 0 0 0 rg BT 189.95 269.25 Td (the ) Tj ET Q q 0 0 0 rg BT 204.30 269.25 Td (class. ) Tj ET Q q 0 0 0 rg BT 228.36 269.25 Td (On ) Tj ET Q q 0 0 0 rg BT 242.71 269.25 Td (September ) Tj ET Q q 0 0 0 rg BT 287.61 269.25 Td (26, ) Tj ET Q q 0 0 0 rg BT 302.24 269.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 326.87 269.25 Td (the ) Tj ET Q q 0 0 0 rg BT 341.21 269.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 366.12 269.25 Td (stayed ) Tj ET Q q 0 0 0 rg BT 393.79 269.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 424.25 269.25 Td (by ) Tj ET Q q 0 0 0 rg BT 436.38 269.25 Td (opt-in ) Tj ET Q q 0 0 0 rg BT 462.39 269.25 Td (plaintif) Tj ET Q q 0 0 0 rg BT 491.09 269.25 Td (fs ) Tj ET Q q 0 0 0 rg BT 500.44 269.25 Td (with ) Tj ET Q q 0 0 0 rg BT 520.35 269.25 Td (arbitration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 257.25 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 101.19 257.25 Td (which ) Tj ET Q q 0 0 0 rg BT 128.78 257.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 163.59 257.25 Td (the ) Tj ET Q q 0 0 0 rg BT 178.96 257.25 Td (class ) Tj ET Q q 0 0 0 rg BT 201.56 257.25 Td (size ) Tj ET Q q 0 0 0 rg BT 220.26 257.25 Td (by ) Tj ET Q q 0 0 0 rg BT 233.42 257.25 Td (more ) Tj ET Q q 0 0 0 rg BT 257.12 257.25 Td (than ) Tj ET Q q 0 0 0 rg BT 277.49 257.25 Td (40%. ) Tj ET Q q 0 0 0 rg BT 301.25 257.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.96 257.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 345.89 257.25 Td (also ) Tj ET Q q 0 0 0 rg BT 365.16 257.25 Td (denied ) Tj ET Q q 0 0 0 rg BT 394.97 257.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.34 257.25 Td (opt-in ) Tj ET Q q 0 0 0 rg BT 437.38 257.25 Td (plaintif) Tj ET Q q 0 0 0 rg BT 466.09 257.25 Td (fs) Tj ET Q q 0 0 0 rg BT 475.90 257.25 Td ( ) Tj ET Q q 0 0 0 rg BT 479.05 257.25 Td (motion ) Tj ET Q q 0 0 0 rg BT 510.54 257.25 Td (for ) Tj ET Q q 0 0 0 rg BT 525.36 257.25 Td (equitable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.25 Td (tolling, ) Tj ET Q q 0 0 0 rg BT 81.02 245.25 Td (which ) Tj ET Q q 0 0 0 rg BT 107.86 245.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.48 245.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 163.76 245.25 Td (anticipates ) Tj ET Q q 0 0 0 rg BT 208.93 245.25 Td (will ) Tj ET Q q 0 0 0 rg BT 226.88 245.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 255.93 245.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.55 245.25 Td (class ) Tj ET Q q 0 0 0 rg BT 292.39 245.25 Td (size ) Tj ET Q q 0 0 0 rg BT 310.34 245.25 Td (by ) Tj ET Q q 0 0 0 rg BT 322.74 245.25 Td (an ) Tj ET Q q 0 0 0 rg BT 334.58 245.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 376.98 245.25 Td (15%. ) Tj ET Q q 0 0 0 rg BT 400.21 245.25 Td (On ) Tj ET Q q 0 0 0 rg BT 414.30 245.25 Td (April ) Tj ET Q q 0 0 0 rg BT 437.81 245.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 452.72 245.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 477.62 245.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.24 245.25 Td (parties ) Tj ET Q q 0 0 0 rg BT 521.30 245.25 Td (settled ) Tj ET Q q 0 0 0 rg BT 549.80 245.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.25 Td (dispute ) Tj ET Q q 0 0 0 rg BT 81.39 233.25 Td (for ) Tj ET Q q 0 0 0 rg BT 95.55 233.25 Td (an ) Tj ET Q q 0 0 0 rg BT 107.49 233.25 Td (immaterial ) Tj ET Q q 0 0 0 rg BT 153.30 233.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 185.80 233.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.73 233.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.45 233.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 242.73 233.25 Td (approved ) Tj ET Q q 0 0 0 rg BT 282.44 233.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.15 233.25 Td (settlement ) Tj ET Q q 0 0 0 rg BT 340.75 233.25 Td (on ) Tj ET Q q 0 0 0 rg BT 353.25 233.25 Td (June ) Tj ET Q q 0 0 0 rg BT 374.08 233.25 Td (17, ) Tj ET Q q 0 0 0 rg BT 389.08 233.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.25 Td (On ) Tj ET Q q 0 0 0 rg BT 64.06 211.25 Td (January ) Tj ET Q q 0 0 0 rg BT 96.99 211.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 111.32 211.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 135.65 211.25 Td (Lehman ) Tj ET Q q 0 0 0 rg BT 170.25 211.25 Td (Brothers ) Tj ET Q q 0 0 0 rg BT 206.52 211.25 Td (Holdings, ) Tj ET Q q 0 0 0 rg BT 247.53 211.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 264.63 211.25 Td (\("Lehman ) Tj ET Q q 0 0 0 rg BT 306.64 211.25 Td (Holdings"\) ) Tj ET Q q 0 0 0 rg BT 352.55 211.25 Td (sent ) Tj ET Q q 0 0 0 rg BT 370.50 211.25 Td (a ) Tj ET Q q 0 0 0 rg BT 376.77 211.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 410.26 211.25 Td (letter ) Tj ET Q q 0 0 0 rg BT 432.63 211.25 Td (asserting ) Tj ET Q q 0 0 0 rg BT 470.01 211.25 Td (that ) Tj ET Q q 0 0 0 rg BT 486.71 211.25 Td (W) Tj ET Q q 0 0 0 rg BT 495.75 211.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 523.14 211.25 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.25 Td (must ) Tj ET Q q 0 0 0 rg BT 71.57 199.25 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 114.79 199.25 Td (it ) Tj ET Q q 0 0 0 rg BT 122.46 199.25 Td (for ) Tj ET Q q 0 0 0 rg BT 136.24 199.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 162.25 199.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 191.59 199.25 Td (from ) Tj ET Q q 0 0 0 rg BT 213.14 199.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 236.37 199.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 255.16 199.25 Td (by ) Tj ET Q q 0 0 0 rg BT 267.12 199.25 Td (W) Tj ET Q q 0 0 0 rg BT 276.16 199.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 303.83 199.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 344.83 199.25 Td (to ) Tj ET Q q 0 0 0 rg BT 354.73 199.25 Td (Lehman ) Tj ET Q q 0 0 0 rg BT 389.61 199.25 Td (Brothers ) Tj ET Q q 0 0 0 rg BT 426.17 199.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 451.89 199.25 Td (FSB ) Tj ET Q q 0 0 0 rg BT 471.80 199.25 Td (under ) Tj ET Q q 0 0 0 rg BT 496.69 199.25 Td (a ) Tj ET Q q 0 0 0 rg BT 503.25 199.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 525.91 199.25 Td (Purchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.25 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 97.79 187.25 Td (between ) Tj ET Q q 0 0 0 rg BT 134.23 187.25 Td (W) Tj ET Q q 0 0 0 rg BT 143.27 187.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 172.19 187.25 Td (Mortgage, ) Tj ET Q q 0 0 0 rg BT 216.93 187.25 Td (as ) Tj ET Q q 0 0 0 rg BT 228.63 187.25 Td (successor ) Tj ET Q q 0 0 0 rg BT 270.31 187.25 Td (to ) Tj ET Q q 0 0 0 rg BT 281.46 187.25 Td (SGB ) Tj ET Q q 0 0 0 rg BT 304.27 187.25 Td (Corporation, ) Tj ET Q q 0 0 0 rg BT 358.47 187.25 Td (and ) Tj ET Q q 0 0 0 rg BT 376.27 187.25 Td (Lehman ) Tj ET Q q 0 0 0 rg BT 412.40 187.25 Td (Brothers ) Tj ET Q q 0 0 0 rg BT 450.20 187.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 476.93 187.25 Td (The ) Tj ET Q q 0 0 0 rg BT 495.85 187.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 530.87 187.25 Td (was ) Tj ET Q q 0 0 0 rg BT 549.79 187.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.25 Td (precursor ) Tj ET Q q 0 0 0 rg BT 89.62 175.25 Td (for ) Tj ET Q q 0 0 0 rg BT 103.13 175.25 Td (triggering ) Tj ET Q q 0 0 0 rg BT 144.43 175.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.50 175.25 Td (alternative ) Tj ET Q q 0 0 0 rg BT 202.56 175.25 Td (dispute ) Tj ET Q q 0 0 0 rg BT 233.30 175.25 Td (resolution ) Tj ET Q q 0 0 0 rg BT 275.15 175.25 Td (process ) Tj ET Q q 0 0 0 rg BT 307.00 175.25 Td (mandated ) Tj ET Q q 0 0 0 rg BT 347.73 175.25 Td (by ) Tj ET Q q 0 0 0 rg BT 359.59 175.25 Td (the ) Tj ET Q q 0 0 0 rg BT 373.66 175.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 393.31 175.25 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 441.82 175.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 466.46 175.25 Td (for ) Tj ET Q q 0 0 0 rg BT 479.97 175.25 Td (the ) Tj ET Q q 0 0 0 rg BT 494.05 175.25 Td (Southern ) Tj ET Q q 0 0 0 rg BT 532.01 175.25 Td (District ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 163.25 Td (New ) Tj ET Q q 0 0 0 rg BT 80.91 163.25 Td (Y) Tj ET Q q 0 0 0 rg BT 87.13 163.25 Td (ork. ) Tj ET Q q 0 0 0 rg BT 104.95 163.25 Td (Lehman ) Tj ET Q q 0 0 0 rg BT 139.71 163.25 Td (Holdings ) Tj ET Q q 0 0 0 rg BT 178.38 163.25 Td (triggered ) Tj ET Q q 0 0 0 rg BT 216.47 163.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.68 163.25 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 275.44 163.25 Td (alternative ) Tj ET Q q 0 0 0 rg BT 319.64 163.25 Td (dispute ) Tj ET Q q 0 0 0 rg BT 350.52 163.25 Td (resolution ) Tj ET Q q 0 0 0 rg BT 392.51 163.25 Td (process ) Tj ET Q q 0 0 0 rg BT 424.50 163.25 Td (on ) Tj ET Q q 0 0 0 rg BT 436.49 163.25 Td (October ) Tj ET Q q 0 0 0 rg BT 470.70 163.25 Td (16, ) Tj ET Q q 0 0 0 rg BT 485.19 163.25 Td (2015. ) Tj ET Q q 0 0 0 rg BT 509.69 163.25 Td ( ) Tj ET Q q 0 0 0 rg BT 511.68 163.25 Td (On ) Tj ET Q q 0 0 0 rg BT 525.90 163.25 Td (February ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (3, ) Tj ET Q q 0 0 0 rg BT 60.55 151.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 86.10 151.25 Td (following ) Tj ET Q q 0 0 0 rg BT 128.03 151.25 Td (a ) Tj ET Q q 0 0 0 rg BT 135.52 151.25 Td (ruling ) Tj ET Q q 0 0 0 rg BT 162.45 151.25 Td (by ) Tj ET Q q 0 0 0 rg BT 175.50 151.25 Td (the ) Tj ET Q q 0 0 0 rg BT 190.77 151.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 221.57 151.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 247.40 151.25 Td (of ) Tj ET Q q 0 0 0 rg BT 258.10 151.25 Td (Appeals ) Tj ET Q q 0 0 0 rg BT 293.92 151.25 Td (for ) Tj ET Q q 0 0 0 rg BT 308.63 151.25 Td (the ) Tj ET Q q 0 0 0 rg BT 323.67 151.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.08 151.25 Td (enth ) Tj ET Q q 0 0 0 rg BT 349.35 151.25 Td (Circuit ) Tj ET Q q 0 0 0 rg BT 380.17 151.25 Td (that ) Tj ET Q q 0 0 0 rg BT 398.21 151.25 Td (was ) Tj ET Q q 0 0 0 rg BT 416.81 151.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 450.40 151.25 Td (to ) Tj ET Q q 0 0 0 rg BT 461.22 151.25 Td (Lehman ) Tj ET Q q 0 0 0 rg BT 497.04 151.25 Td (Holdings ) Tj ET Q q 0 0 0 rg BT 536.75 151.25 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 151.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.25 Td (statute ) Tj ET Q q 0 0 0 rg BT 79.65 139.25 Td (of ) Tj ET Q q 0 0 0 rg BT 91.53 139.25 Td (limitations ) Tj ET Q q 0 0 0 rg BT 137.85 139.25 Td (that ) Tj ET Q q 0 0 0 rg BT 156.39 139.25 Td (is ) Tj ET Q q 0 0 0 rg BT 166.61 139.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 211.24 139.25 Td (to ) Tj ET Q q 0 0 0 rg BT 222.57 139.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 253.89 139.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 274.65 139.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 313.74 139.25 Td (claims, ) Tj ET Q q 0 0 0 rg BT 345.89 139.25 Td (Lehman ) Tj ET Q q 0 0 0 rg BT 382.20 139.25 Td (Holdings ) Tj ET Q q 0 0 0 rg BT 422.41 139.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 444.28 139.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.27 139.25 Td (complaint ) Tj ET Q q 0 0 0 rg BT 495.80 139.25 Td (against ) Tj ET Q q 0 0 0 rg BT 527.42 139.25 Td (W) Tj ET Q q 0 0 0 rg BT 536.46 139.25 Td (intrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 90.99 127.25 Td (and ) Tj ET Q q 0 0 0 rg BT 107.54 127.25 Td (150 ) Tj ET Q q 0 0 0 rg BT 124.65 127.25 Td (other ) Tj ET Q q 0 0 0 rg BT 147.31 127.25 Td (entities ) Tj ET Q q 0 0 0 rg BT 178.30 127.25 Td (from ) Tj ET Q q 0 0 0 rg BT 199.85 127.25 Td (which ) Tj ET Q q 0 0 0 rg BT 226.40 127.25 Td (it ) Tj ET Q q 0 0 0 rg BT 234.07 127.25 Td (had ) Tj ET Q q 0 0 0 rg BT 250.62 127.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 293.27 127.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 316.49 127.25 Td (in ) Tj ET Q q 0 0 0 rg BT 326.38 127.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.71 127.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 360.61 127.25 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 409.37 127.25 Td (Court ) Tj ET Q q 0 0 0 rg BT 434.26 127.25 Td (for ) Tj ET Q q 0 0 0 rg BT 448.03 127.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.36 127.25 Td (Southern ) Tj ET Q q 0 0 0 rg BT 500.58 127.25 Td (District ) Tj ET Q q 0 0 0 rg BT 532.69 127.25 Td (of ) Tj ET Q q 0 0 0 rg BT 543.13 127.25 Td (New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.25 Td (Y) Tj ET Q q 0 0 0 rg BT 56.22 115.25 Td (ork. ) Tj ET Q q 0 0 0 rg BT 75.12 115.25 Td ( ) Tj ET Q q 0 0 0 rg BT 77.98 115.25 Td (W) Tj ET Q q 0 0 0 rg BT 87.01 115.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 115.64 115.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 157.60 115.25 Td (has ) Tj ET Q q 0 0 0 rg BT 174.00 115.25 Td (not ) Tj ET Q q 0 0 0 rg BT 189.85 115.25 Td (been ) Tj ET Q q 0 0 0 rg BT 211.80 115.25 Td (served ) Tj ET Q q 0 0 0 rg BT 240.97 115.25 Td (with ) Tj ET Q q 0 0 0 rg BT 261.83 115.25 Td (the ) Tj ET Q q 0 0 0 rg BT 277.12 115.25 Td (new ) Tj ET Q q 0 0 0 rg BT 296.85 115.25 Td (complaint. ) Tj ET Q q 0 0 0 rg BT 342.41 115.25 Td ( ) Tj ET Q q 0 0 0 rg BT 345.27 115.25 Td (The ) Tj ET Q q 0 0 0 rg BT 363.89 115.25 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 409.72 115.25 Td (mediation ) Tj ET Q q 0 0 0 rg BT 452.79 115.25 Td (is ) Tj ET Q q 0 0 0 rg BT 462.53 115.25 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 505.59 115.25 Td (for ) Tj ET Q q 0 0 0 rg BT 520.32 115.25 Td (March ) Tj ET Q q 0 0 0 rg BT 549.50 115.25 Td (16, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.25 Td (2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 81.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.77 81.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.87 81.25 Td (has ) Tj ET Q q 0 0 0 rg BT 124.42 81.25 Td (reserved ) Tj ET Q q 0 0 0 rg BT 160.50 81.25 Td (an ) Tj ET Q q 0 0 0 rg BT 172.16 81.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 204.37 81.25 Td (for ) Tj ET Q q 0 0 0 rg BT 218.25 81.25 Td (the ) Tj ET Q q 0 0 0 rg BT 232.69 81.25 Td (Lehman ) Tj ET Q q 0 0 0 rg BT 267.67 81.25 Td (Holdings ) Tj ET Q q 0 0 0 rg BT 306.56 81.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 340.43 81.25 Td (that ) Tj ET Q q 0 0 0 rg BT 357.64 81.25 Td (is ) Tj ET Q q 0 0 0 rg BT 366.53 81.25 Td (immaterial ) Tj ET Q q 0 0 0 rg BT 412.07 81.25 Td (to ) Tj ET Q q 0 0 0 rg BT 422.06 81.25 Td (its ) Tj ET Q q 0 0 0 rg BT 433.73 81.25 Td (results ) Tj ET Q q 0 0 0 rg BT 462.06 81.25 Td (of ) Tj ET Q q 0 0 0 rg BT 472.60 81.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 516.48 81.25 Td (or ) Tj ET Q q 0 0 0 rg BT 527.03 81.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 69.25 Td (condition. ) Tj ET Q q 0 0 0 rg BT 92.57 69.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 114.87 69.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 153.27 69.25 Td (and ) Tj ET Q q 0 0 0 rg BT 170.01 69.25 Td (threatened ) Tj ET Q q 0 0 0 rg BT 213.95 69.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 252.35 69.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 282.98 69.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 329.70 69.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 361.99 69.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 407.06 69.25 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 454.34 69.25 Td (and ) Tj ET Q q 0 0 0 rg BT 471.07 69.25 Td (it ) Tj ET Q q 0 0 0 rg BT 478.93 69.25 Td (is ) Tj ET Q q 0 0 0 rg BT 487.90 69.25 Td (not ) Tj ET Q q 0 0 0 rg BT 502.97 69.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 538.05 69.25 Td (at ) Tj ET Q q 0 0 0 rg BT 547.56 69.25 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.25 Td (time ) Tj ET Q q 0 0 0 rg BT 70.09 57.25 Td (to ) Tj ET Q q 0 0 0 rg BT 80.19 57.25 Td (predict ) Tj ET Q q 0 0 0 rg BT 110.27 57.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.80 57.25 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 159.89 57.25 Td (resolution ) Tj ET Q q 0 0 0 rg BT 202.20 57.25 Td (or ) Tj ET Q q 0 0 0 rg BT 212.84 57.25 Td (to ) Tj ET Q q 0 0 0 rg BT 222.94 57.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 265.24 57.25 Td (whether) Tj ET Q q 0 0 0 rg BT 297.04 57.25 Td (, ) Tj ET Q q 0 0 0 rg BT 301.86 57.25 Td (or ) Tj ET Q q 0 0 0 rg BT 312.51 57.25 Td (to ) Tj ET Q q 0 0 0 rg BT 322.60 57.25 Td (what ) Tj ET Q q 0 0 0 rg BT 344.36 57.25 Td (extent, ) Tj ET Q q 0 0 0 rg BT 373.61 57.25 Td (any ) Tj ET Q q 0 0 0 rg BT 390.36 57.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 408.24 57.25 Td (with ) Tj ET Q q 0 0 0 rg BT 428.34 57.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 458.97 57.25 Td (to ) Tj ET Q q 0 0 0 rg BT 469.06 57.25 Td (these ) Tj ET Q q 0 0 0 rg BT 491.93 57.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 513.68 57.25 Td (proceedings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 45.25 Td (may ) Tj ET Q q 0 0 0 rg BT 69.72 45.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 99.97 45.25 Td (the ) Tj ET Q q 0 0 0 rg BT 114.69 45.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 151.07 45.25 Td (reserved ) Tj ET Q q 0 0 0 rg BT 187.44 45.25 Td (by ) Tj ET Q q 0 0 0 rg BT 199.94 45.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.66 45.25 Td (Company) Tj ET Q q 0 0 0 rg BT 252.90 45.25 Td (.) Tj ET Q endstream endobj 75 0 obj <> endobj 76 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (37) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.04 742.10 Td (August ) Tj ET Q q 0 0 0 rg BT 95.27 742.10 Td (28, ) Tj ET Q q 0 0 0 rg BT 110.11 742.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 134.77 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 143.81 742.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 171.71 742.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 212.92 742.10 Td (received ) Tj ET Q q 0 0 0 rg BT 249.12 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 255.89 742.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 289.88 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 311.66 742.10 Td (RFC ) Tj ET Q q 0 0 0 rg BT 332.90 742.10 Td (Liquidating ) Tj ET Q q 0 0 0 rg BT 381.72 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 387.48 742.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 404.82 742.10 Td (asserting ) Tj ET Q q 0 0 0 rg BT 442.70 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 460.03 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 477.20 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 486.23 742.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 514.13 742.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 555.34 742.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (liable ) Tj ET Q q 0 0 0 rg BT 74.37 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 84.31 730.10 Td (it ) Tj ET Q q 0 0 0 rg BT 92.03 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 105.85 730.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 131.90 730.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 161.27 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 182.87 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 206.14 730.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 224.97 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 236.97 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 246.01 730.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 273.73 730.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 314.76 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 325.25 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 336.86 730.10 Td (predecessors ) Tj ET Q q 0 0 0 rg BT 390.11 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 400.05 730.10 Td (Residential ) Tj ET Q q 0 0 0 rg BT 447.20 730.10 Td (Funding ) Tj ET Q q 0 0 0 rg BT 482.70 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 523.74 730.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 544.79 730.10 Td (and/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.09 718.10 Td (related ) Tj ET Q q 0 0 0 rg BT 91.05 718.10 Td (entities. ) Tj ET Q q 0 0 0 rg BT 125.20 718.10 Td (No ) Tj ET Q q 0 0 0 rg BT 140.18 718.10 Td (litigation ) Tj ET Q q 0 0 0 rg BT 179.05 718.10 Td (has ) Tj ET Q q 0 0 0 rg BT 195.14 718.10 Td (been ) Tj ET Q q 0 0 0 rg BT 216.78 718.10 Td (initiated ) Tj ET Q q 0 0 0 rg BT 252.31 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 269.51 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.49 718.10 Td (range ) Tj ET Q q 0 0 0 rg BT 309.46 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.55 718.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 354.42 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 363.85 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 379.39 718.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 425.46 718.10 Td (estimable ) Tj ET Q q 0 0 0 rg BT 466.55 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 476.52 718.10 Td (this ) Tj ET Q q 0 0 0 rg BT 493.73 718.10 Td (time ) Tj ET Q q 0 0 0 rg BT 514.27 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 531.47 718.10 Td (it ) Tj ET Q q 0 0 0 rg BT 539.79 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 549.22 718.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 97.09 706.10 Td (when ) Tj ET Q q 0 0 0 rg BT 120.32 706.10 Td (suf) Tj ET Q q 0 0 0 rg BT 132.36 706.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 159.47 706.10 Td (information ) Tj ET Q q 0 0 0 rg BT 208.25 706.10 Td (will ) Tj ET Q q 0 0 0 rg BT 225.37 706.10 Td (become ) Tj ET Q q 0 0 0 rg BT 258.03 706.10 Td (available ) Tj ET Q q 0 0 0 rg BT 295.69 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.03 706.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 337.15 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 343.15 706.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 364.72 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 377.95 706.10 Td (recording ) Tj ET Q q 0 0 0 rg BT 417.83 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 423.84 706.10 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 456.77 706.10 Td (should ) Tj ET Q q 0 0 0 rg BT 485.01 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 491.02 706.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 521.45 706.10 Td (ultimately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.94 694.10 Td (required.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 672.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.45 672.10 Td (August ) Tj ET Q q 0 0 0 rg BT 96.19 672.10 Td (13, ) Tj ET Q q 0 0 0 rg BT 111.55 672.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 136.90 672.10 Td (BMO ) Tj ET Q q 0 0 0 rg BT 162.54 672.10 Td (Harris ) Tj ET Q q 0 0 0 rg BT 190.39 672.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 229.83 672.10 Td (Advisors ) Tj ET Q q 0 0 0 rg BT 268.79 672.10 Td (\(BHF) Tj ET Q q 0 0 0 rg BT 295.27 672.10 Td (A\) ) Tj ET Q q 0 0 0 rg BT 313.12 672.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 334.30 672.10 Td (an ) Tj ET Q q 0 0 0 rg BT 346.59 672.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 391.10 672.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 425.61 672.10 Td (with ) Tj ET Q q 0 0 0 rg BT 446.25 672.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.32 672.10 Td (FINRA) Tj ET Q q 0 0 0 rg BT 490.77 672.10 Td ( ) Tj ET Q q 0 0 0 rg BT 493.63 672.10 Td (seeking ) Tj ET Q q 0 0 0 rg BT 527.03 672.10 Td (damages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 660.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 660.10 Td (a ) Tj ET Q q 0 0 0 rg BT 72.88 660.10 Td (permanent ) Tj ET Q q 0 0 0 rg BT 117.09 660.10 Td (injunction ) Tj ET Q q 0 0 0 rg BT 159.64 660.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.09 660.10 Td (a ) Tj ET Q q 0 0 0 rg BT 182.53 660.10 Td (complaint ) Tj ET Q q 0 0 0 rg BT 224.52 660.10 Td (with ) Tj ET Q q 0 0 0 rg BT 244.30 660.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.52 660.10 Td (Circuit ) Tj ET Q q 0 0 0 rg BT 288.30 660.10 Td (Court ) Tj ET Q q 0 0 0 rg BT 313.08 660.10 Td (for ) Tj ET Q q 0 0 0 rg BT 326.75 660.10 Td (Cook ) Tj ET Q q 0 0 0 rg BT 350.42 660.10 Td (County) Tj ET Q q 0 0 0 rg BT 379.22 660.10 Td (, ) Tj ET Q q 0 0 0 rg BT 383.72 660.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 414.06 660.10 Td (seeking ) Tj ET Q q 0 0 0 rg BT 446.61 660.10 Td (a ) Tj ET Q q 0 0 0 rg BT 453.05 660.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 496.15 660.10 Td (restraining ) Tj ET Q q 0 0 0 rg BT 540.92 660.10 Td (order ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 648.10 Td (against ) Tj ET Q q 0 0 0 rg BT 80.71 648.10 Td (one ) Tj ET Q q 0 0 0 rg BT 97.54 648.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.26 648.10 Td (its ) Tj ET Q q 0 0 0 rg BT 120.09 648.10 Td (former ) Tj ET Q q 0 0 0 rg BT 149.69 648.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 187.06 648.10 Td (advisors ) Tj ET Q q 0 0 0 rg BT 222.77 648.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.60 648.10 Td (a ) Tj ET Q q 0 0 0 rg BT 246.43 648.10 Td (current ) Tj ET Q q 0 0 0 rg BT 277.13 648.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 314.50 648.10 Td (advisor ) Tj ET Q q 0 0 0 rg BT 346.32 648.10 Td (with ) Tj ET Q q 0 0 0 rg BT 366.32 648.10 Td (WHI. ) Tj ET Q q 0 0 0 rg BT 390.67 648.10 Td (A) Tj ET Q q 0 0 0 rg BT 397.34 648.10 Td ( ) Tj ET Q q 0 0 0 rg BT 399.73 648.10 Td (narrow ) Tj ET Q q 0 0 0 rg BT 430.43 648.10 Td (and ) Tj ET Q q 0 0 0 rg BT 447.26 648.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 477.98 648.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 521.46 648.10 Td (injunction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 636.10 Td (was ) Tj ET Q q 0 0 0 rg BT 67.71 636.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 99.29 636.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.89 636.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.27 636.10 Td (matter ) Tj ET Q q 0 0 0 rg BT 157.97 636.10 Td (was ) Tj ET Q q 0 0 0 rg BT 175.68 636.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 209.48 636.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.42 636.10 Td (FINRA) Tj ET Q q 0 0 0 rg BT 248.87 636.10 Td ( ) Tj ET Q q 0 0 0 rg BT 251.03 636.10 Td (for ) Tj ET Q q 0 0 0 rg BT 264.85 636.10 Td (arbitration. ) Tj ET Q q 0 0 0 rg BT 311.16 636.10 Td ( ) Tj ET Q q 0 0 0 rg BT 313.32 636.10 Td (In ) Tj ET Q q 0 0 0 rg BT 323.81 636.10 Td (November ) Tj ET Q q 0 0 0 rg BT 368.17 636.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 392.83 636.10 Td (BHF) Tj ET Q q 0 0 0 rg BT 411.55 636.10 Td (A) Tj ET Q q 0 0 0 rg BT 418.22 636.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.38 636.10 Td (added ) Tj ET Q q 0 0 0 rg BT 446.26 636.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 468.41 636.10 Td (as ) Tj ET Q q 0 0 0 rg BT 478.90 636.10 Td (a ) Tj ET Q q 0 0 0 rg BT 485.49 636.10 Td (co-defendant ) Tj ET Q q 0 0 0 rg BT 539.85 636.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 636.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 624.10 Td (arbitration ) Tj ET Q q 0 0 0 rg BT 94.05 624.10 Td (action, ) Tj ET Q q 0 0 0 rg BT 123.38 624.10 Td (alleging ) Tj ET Q q 0 0 0 rg BT 158.00 624.10 Td (that ) Tj ET Q q 0 0 0 rg BT 175.22 624.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 197.61 624.10 Td (tortiously ) Tj ET Q q 0 0 0 rg BT 238.34 624.10 Td (interfered ) Tj ET Q q 0 0 0 rg BT 279.60 624.10 Td (with ) Tj ET Q q 0 0 0 rg BT 299.78 624.10 Td (BHF) Tj ET Q q 0 0 0 rg BT 318.49 624.10 Td (A) Tj ET Q q 0 0 0 rg BT 324.61 624.10 Td () Tj ET Q q 0 0 0 rg BT 327.39 624.10 Td (s ) Tj ET Q q 0 0 0 rg BT 333.68 624.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 368.28 624.10 Td (with ) Tj ET Q q 0 0 0 rg BT 388.46 624.10 Td (its ) Tj ET Q q 0 0 0 rg BT 400.31 624.10 Td (former ) Tj ET Q q 0 0 0 rg BT 429.91 624.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 467.29 624.10 Td (advisor) Tj ET Q q 0 0 0 rg BT 496.18 624.10 Td (. ) Tj ET Q q 0 0 0 rg BT 500.55 624.10 Td (As ) Tj ET Q q 0 0 0 rg BT 514.06 624.10 Td (discovery ) Tj ET Q q 0 0 0 rg BT 555.34 624.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 612.10 Td (still ) Tj ET Q q 0 0 0 rg BT 67.04 612.10 Td (in ) Tj ET Q q 0 0 0 rg BT 76.86 612.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.11 612.10 Td (preliminary ) Tj ET Q q 0 0 0 rg BT 139.80 612.10 Td (stages, ) Tj ET Q q 0 0 0 rg BT 168.78 612.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.03 612.10 Td (range ) Tj ET Q q 0 0 0 rg BT 207.28 612.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.64 612.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 250.79 612.10 Td (is ) Tj ET Q q 0 0 0 rg BT 259.50 612.10 Td (not ) Tj ET Q q 0 0 0 rg BT 274.31 612.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 319.67 612.10 Td (estimable ) Tj ET Q q 0 0 0 rg BT 360.02 612.10 Td (at ) Tj ET Q q 0 0 0 rg BT 369.28 612.10 Td (this ) Tj ET Q q 0 0 0 rg BT 385.76 612.10 Td (time ) Tj ET Q q 0 0 0 rg BT 405.58 612.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.05 612.10 Td (it ) Tj ET Q q 0 0 0 rg BT 429.65 612.10 Td (is ) Tj ET Q q 0 0 0 rg BT 438.35 612.10 Td (not ) Tj ET Q q 0 0 0 rg BT 453.17 612.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 500.73 612.10 Td (when ) Tj ET Q q 0 0 0 rg BT 524.43 612.10 Td (suf) Tj ET Q q 0 0 0 rg BT 536.47 612.10 Td (ficient ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 600.10 Td (information ) Tj ET Q q 0 0 0 rg BT 99.79 600.10 Td (will ) Tj ET Q q 0 0 0 rg BT 117.93 600.10 Td (become ) Tj ET Q q 0 0 0 rg BT 151.61 600.10 Td (available ) Tj ET Q q 0 0 0 rg BT 190.28 600.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.64 600.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 233.77 600.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.80 600.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 263.38 600.10 Td (for ) Tj ET Q q 0 0 0 rg BT 277.62 600.10 Td (recording 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(12 ) Tj ET Q q 0 0 0 rg BT 227.45 588.10 Td (- ) Tj ET Q q 0 0 0 rg BT 233.28 588.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 248.28 588.10 Td (2016. ) Tj ET Q q 0 0 0 rg BT 273.28 588.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 566.10 Td (Based on information currently available and upon consultation with counsel, management believes that the eventual outcome ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 554.10 Td (of any pending or threatened legal actions and proceedings will not have a material adverse ef) Tj ET Q q 0 0 0 rg BT 425.50 554.10 Td (fect on the operations or financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 542.10 Td (condition of the Company) Tj ET Q q 0 0 0 rg BT 154.06 542.10 Td (. However) Tj ET Q q 0 0 0 rg BT 195.31 542.10 Td (, it is possible that the ultimate resolution of these matters, if unfavorable, may be material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.10 Td (to the results of operations or financial condition for a particular period.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 509.10 Td (ITEM4. MINE SAFETY) Tj ET Q q 0 0 0 rg BT 157.97 509.10 Td ( DISCLOSURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.10 Td (Not ) Tj ET Q q 0 0 0 rg BT 67.50 488.10 Td (applicable.) Tj ET Q endstream endobj 77 0 obj <> endobj 78 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (38) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (P) Tj ET Q q 0 0 0 rg BT 56.44 740.90 Td (AR) Tj ET Q q 0 0 0 rg BT 73.35 740.90 Td (T) Tj ET Q q 0 0 0 rg BT 81.14 740.90 Td ( II) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 721.13 Td (ITEM5.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.00 721.13 Td (MARKET FOR REGISTRANTS COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.00 711.13 Td (ISSUER PURCHASES OF EQUITY SECURITIES) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.90 Td (The ) Tj ET Q q 0 0 0 rg BT 67.99 685.90 Td (Company) Tj ET Q q 0 0 0 rg BT 109.66 685.90 Td (s ) Tj ET Q q 0 0 0 rg BT 115.99 685.90 Td (common ) Tj ET Q q 0 0 0 rg BT 153.43 685.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 176.99 685.90 Td (is ) Tj ET Q q 0 0 0 rg BT 186.10 685.90 Td (traded ) Tj ET Q q 0 0 0 rg BT 213.53 685.90 Td (on ) Tj ET Q q 0 0 0 rg BT 225.80 685.90 Td (The ) Tj ET Q q 0 0 0 rg BT 243.79 685.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 287.91 685.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 317.57 685.90 Td (Select ) Tj ET Q q 0 0 0 rg BT 344.45 685.90 Td (Stock ) Tj ET Q q 0 0 0 rg BT 369.67 685.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 401.00 685.90 Td (under ) Tj ET Q q 0 0 0 rg BT 426.21 685.90 Td (the ) Tj ET Q q 0 0 0 rg BT 440.87 685.90 Td (symbol ) Tj ET Q q 0 0 0 rg BT 472.59 685.90 Td (WTFC. ) Tj ET Q q 0 0 0 rg BT 505.14 685.90 Td (The ) Tj ET Q q 0 0 0 rg BT 523.13 685.90 Td (following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.90 Td (table ) Tj ET Q q 0 0 0 rg BT 71.59 673.90 Td (sets ) Tj ET Q q 0 0 0 rg BT 88.74 673.90 Td (forth ) Tj ET Q q 0 0 0 rg BT 110.34 673.90 Td (the ) Tj ET Q q 0 0 0 rg BT 124.71 673.90 Td (high ) Tj ET Q q 0 0 0 rg BT 144.64 673.90 Td (and ) Tj ET Q q 0 0 0 rg BT 161.23 673.90 Td (low ) Tj ET Q q 0 0 0 rg BT 178.39 673.90 Td (sales ) Tj ET Q q 0 0 0 rg BT 199.98 673.90 Td (prices ) Tj ET Q q 0 0 0 rg BT 226.01 673.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 261.48 673.90 Td (on ) Tj ET Q q 0 0 0 rg BT 273.64 673.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 317.46 673.90 Td (for ) Tj ET Q q 0 0 0 rg BT 331.28 673.90 Td (the ) Tj ET Q q 0 0 0 rg BT 345.65 673.90 Td (common ) Tj ET Q q 0 0 0 rg BT 382.80 673.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 406.06 673.90 Td (by ) Tj ET Q q 0 0 0 rg BT 418.22 673.90 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 442.03 673.90 Td (quarter ) Tj ET Q q 0 0 0 rg BT 472.50 673.90 Td (during ) Tj ET Q q 0 0 0 rg BT 500.76 673.90 Td (2015 ) Tj ET Q q 0 0 0 rg BT 522.92 673.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 673.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 673.90 Td (.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.01 673.90 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 643.40 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 643.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 643.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 643.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 643.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 643.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 643.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 643.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 643.40 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 615.40 219.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 615.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 615.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 615.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 615.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 615.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 615.40 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 615.40 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 615.40 70.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 663.4 m 269.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 663.4 m 273.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 663.4 m 342.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 653.4 m 342.5 653.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 663.4 m 346.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 653.4 m 346.5 653.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 663.4 m 415.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 653.4 m 415.5 653.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 663.4 m 419.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 653.4 m 419.5 653.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 663.4 m 488.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 653.4 m 488.5 653.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 663.4 m 492.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 653.4 m 492.5 653.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 663.4 m 562.5 663.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 653.4 m 562.5 653.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 643.4 m 342.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 643.4 m 415.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 643.4 m 488.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 643.4 m 562.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 643.4 m 342.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 643.4 m 415.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 643.4 m 488.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 643.4 m 562.5 643.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 587.4 m 269.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 587.4 m 273.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 587.4 m 342.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 587.4 m 346.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 587.4 m 415.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 587.4 m 419.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 587.4 m 488.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 587.4 m 492.5 587.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 587.4 m 562.5 587.4 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 647.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 335.00 654.85 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.50 654.71 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 297.95 644.85 Td (High) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 371.95 644.85 Td (Low) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 444.50 644.71 Td (High) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.75 644.71 Td (Low) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 634.66 Td (Fourth Quarter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 633.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.75 633.85 Td (55.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 349.00 633.85 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.75 633.85 Td (47.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.00 633.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.75 633.86 Td (47.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 633.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 633.86 Td (41.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 620.66 Td (Third Quarter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.75 619.85 Td (55.79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.75 619.85 Td (48.83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.75 619.86 Td (48.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 619.86 Td (44.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 606.66 Td (Second Quarter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.75 605.85 Td (54.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.75 605.85 Td (46.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.75 605.86 Td (49.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 605.86 Td (42.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 592.66 Td (First Quarter) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.75 591.85 Td (48.81) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.75 591.85 Td (41.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.75 591.86 Td (49.99) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 591.86 Td (42.14) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 566.90 Td (Performance ) Tj ET Q q 0 0 0 rg BT 104.71 566.90 Td (Graph) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 545.90 Td (The ) Tj ET Q q 0 0 0 rg BT 67.92 545.90 Td (following ) Tj ET Q q 0 0 0 rg BT 109.17 545.90 Td (performance ) Tj ET Q q 0 0 0 rg BT 162.06 545.90 Td (graph ) Tj ET Q q 0 0 0 rg BT 187.20 545.90 Td (compares ) Tj ET Q q 0 0 0 rg BT 227.89 545.90 Td (the ) Tj ET Q q 0 0 0 rg BT 242.47 545.90 Td (five-year ) Tj ET Q q 0 0 0 rg BT 280.93 545.90 Td (percentage ) Tj ET Q q 0 0 0 rg BT 326.60 545.90 Td (change ) Tj ET Q q 0 0 0 rg BT 357.28 545.90 Td (in ) Tj ET Q q 0 0 0 rg BT 367.43 545.90 Td (the ) Tj ET Q q 0 0 0 rg BT 382.02 545.90 Td (Company) Tj ET Q q 0 0 0 rg BT 423.68 545.90 Td (s ) Tj ET Q q 0 0 0 rg BT 429.94 545.90 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 476.74 545.90 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 525.76 545.90 Td (return ) Tj ET Q q 0 0 0 rg BT 552.00 545.90 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 533.90 Td (common ) Tj ET Q q 0 0 0 rg BT 88.18 533.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 112.46 533.90 Td (compared ) Tj ET Q q 0 0 0 rg BT 155.07 533.90 Td (with ) Tj ET Q q 0 0 0 rg BT 176.03 533.90 Td (the ) Tj ET Q q 0 0 0 rg BT 191.42 533.90 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 239.03 533.90 Td (total ) Tj ET Q q 0 0 0 rg BT 259.99 533.90 Td (return ) Tj ET Q q 0 0 0 rg BT 287.04 533.90 Td (on ) Tj ET Q q 0 0 0 rg BT 300.22 533.90 Td (composites ) Tj ET Q q 0 0 0 rg BT 348.40 533.90 Td (of ) Tj ET Q q 0 0 0 rg BT 359.91 533.90 Td (\(1\)all ) Tj ET Q q 0 0 0 rg BT 387.24 533.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 432.09 533.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 462.49 533.90 Td (Select ) Tj ET Q q 0 0 0 rg BT 490.10 533.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 522.16 533.90 Td (stocks ) Tj ET Q q 0 0 0 rg BT 550.34 533.90 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 521.90 Td (United ) Tj ET Q q 0 0 0 rg BT 81.07 521.90 Td (States ) Tj ET Q q 0 0 0 rg BT 108.80 521.90 Td (companies ) Tj ET Q q 0 0 0 rg BT 155.41 521.90 Td (\(broad ) Tj ET Q q 0 0 0 rg BT 185.36 521.90 Td (market ) Tj ET Q q 0 0 0 rg BT 216.97 521.90 Td (index\) ) Tj ET Q q 0 0 0 rg BT 246.37 521.90 Td (and ) Tj ET Q q 0 0 0 rg BT 264.66 521.90 Td (\(2\)all ) Tj ET Q q 0 0 0 rg BT 292.66 521.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 338.18 521.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 369.24 521.90 Td (Select ) Tj ET Q q 0 0 0 rg BT 397.53 521.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 430.25 521.90 Td (bank ) Tj ET Q q 0 0 0 rg BT 453.54 521.90 Td (stocks ) Tj ET Q q 0 0 0 rg BT 482.39 521.90 Td (\(peer ) Tj ET Q q 0 0 0 rg BT 506.77 521.90 Td (group ) Tj ET Q q 0 0 0 rg BT 533.95 521.90 Td (index\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 509.90 Td (Cumulative ) Tj ET Q q 0 0 0 rg BT 99.08 509.90 Td (total ) Tj ET Q q 0 0 0 rg BT 119.28 509.90 Td (return ) Tj ET Q q 0 0 0 rg BT 145.58 509.90 Td (is ) Tj ET Q q 0 0 0 rg BT 154.67 509.90 Td (computed ) Tj ET Q q 0 0 0 rg BT 196.52 509.90 Td (by ) Tj ET Q q 0 0 0 rg BT 208.95 509.90 Td (dividing ) Tj ET Q q 0 0 0 rg BT 244.70 509.90 Td (the ) Tj ET Q q 0 0 0 rg BT 259.34 509.90 Td (sum ) Tj ET Q q 0 0 0 rg BT 278.43 509.90 Td (of ) Tj ET Q q 0 0 0 rg BT 289.18 509.90 Td (the ) Tj ET Q q 0 0 0 rg BT 303.82 509.90 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 350.67 509.90 Td (amount ) Tj ET Q q 0 0 0 rg BT 383.09 509.90 Td (of ) Tj ET Q q 0 0 0 rg BT 393.84 509.90 Td (dividends ) Tj ET Q q 0 0 0 rg BT 435.15 509.90 Td (for ) Tj ET Q q 0 0 0 rg BT 449.23 509.90 Td (the ) Tj ET Q q 0 0 0 rg BT 463.87 509.90 Td (measurement ) Tj ET Q q 0 0 0 rg BT 519.60 509.90 Td (period ) Tj ET Q q 0 0 0 rg BT 547.57 509.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 497.90 Td (the ) Tj ET Q q 0 0 0 rg BT 64.92 497.90 Td (dif) Tj ET Q q 0 0 0 rg BT 75.85 497.90 Td (ference ) Tj ET Q q 0 0 0 rg BT 107.97 497.90 Td (between ) Tj ET Q q 0 0 0 rg BT 143.99 497.90 Td (the ) Tj ET Q q 0 0 0 rg BT 158.92 497.90 Td (Company) Tj ET Q q 0 0 0 rg BT 200.58 497.90 Td (s ) Tj ET Q q 0 0 0 rg BT 207.18 497.90 Td (share ) Tj ET Q q 0 0 0 rg BT 230.99 497.90 Td (price ) Tj ET Q q 0 0 0 rg BT 253.68 497.90 Td (at ) Tj ET Q q 0 0 0 rg BT 263.60 497.90 Td (the ) Tj ET Q q 0 0 0 rg BT 278.52 497.90 Td (end ) Tj ET Q q 0 0 0 rg BT 295.67 497.90 Td (and ) Tj ET Q q 0 0 0 rg BT 312.81 497.90 Td (the ) Tj ET Q q 0 0 0 rg BT 327.74 497.90 Td (beginning ) Tj ET Q q 0 0 0 rg BT 370.44 497.90 Td (of ) Tj ET Q q 0 0 0 rg BT 381.48 497.90 Td (the ) Tj ET Q q 0 0 0 rg BT 396.40 497.90 Td (measurement ) Tj ET Q q 0 0 0 rg BT 452.42 497.90 Td (period ) Tj ET Q q 0 0 0 rg BT 480.67 497.90 Td (by ) Tj ET Q q 0 0 0 rg BT 493.38 497.90 Td (the ) Tj ET Q q 0 0 0 rg BT 508.30 497.90 Td (share ) Tj ET Q q 0 0 0 rg BT 532.10 497.90 Td (price ) Tj ET Q q 0 0 0 rg BT 554.80 497.90 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 485.90 Td (the ) Tj ET Q q 0 0 0 rg BT 64.54 485.90 Td (beginning ) Tj ET Q q 0 0 0 rg BT 106.85 485.90 Td (of ) Tj ET Q q 0 0 0 rg BT 117.50 485.90 Td (the ) Tj ET Q q 0 0 0 rg BT 132.04 485.90 Td (measurement ) Tj ET Q q 0 0 0 rg BT 187.67 485.90 Td (period. ) Tj ET Q q 0 0 0 rg BT 217.86 485.90 Td (The ) Tj ET Q q 0 0 0 rg BT 235.73 485.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 279.72 485.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 309.26 485.90 Td (Select ) Tj ET Q q 0 0 0 rg BT 336.01 485.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 367.21 485.90 Td (for ) Tj ET Q q 0 0 0 rg BT 381.19 485.90 Td (United ) Tj ET Q q 0 0 0 rg BT 410.72 485.90 Td (States ) Tj ET Q q 0 0 0 rg BT 436.93 485.90 Td (companies) Tj ET Q q 0 0 0 rg BT 482.28 485.90 Td ( ) Tj ET Q q 0 0 0 rg BT 484.60 485.90 Td (index ) Tj ET Q q 0 0 0 rg BT 509.13 485.90 Td (comprises ) Tj ET Q q 0 0 0 rg BT 552.00 485.90 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 473.90 Td (domestic ) Tj ET Q q 0 0 0 rg BT 89.04 473.90 Td (common ) Tj ET Q q 0 0 0 rg BT 126.98 473.90 Td (shares ) Tj ET Q q 0 0 0 rg BT 154.91 473.90 Td (traded ) Tj ET Q q 0 0 0 rg BT 182.83 473.90 Td (on ) Tj ET Q q 0 0 0 rg BT 195.77 473.90 Td (the ) Tj ET Q q 0 0 0 rg BT 210.93 473.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 255.54 473.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 285.69 473.90 Td (Select ) Tj ET Q q 0 0 0 rg BT 313.07 473.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 344.88 473.90 Td (and ) Tj ET Q q 0 0 0 rg BT 362.26 473.90 Td (the ) Tj ET Q q 0 0 0 rg BT 377.42 473.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 422.03 473.90 Td (Small-Cap ) Tj ET Q q 0 0 0 rg BT 467.74 473.90 Td (Market. ) Tj ET Q q 0 0 0 rg BT 501.84 473.90 Td (The ) Tj ET Q q 0 0 0 rg BT 520.33 473.90 Td (NASDAQ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 80.17 461.90 Td (Select ) Tj ET Q q 0 0 0 rg BT 107.56 461.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 139.40 461.90 Td (bank ) Tj ET Q q 0 0 0 rg BT 161.79 461.90 Td (stocks ) Tj ET Q q 0 0 0 rg BT 189.75 461.90 Td (index ) Tj ET Q q 0 0 0 rg BT 214.92 461.90 Td (comprises ) Tj ET Q q 0 0 0 rg BT 258.43 461.90 Td (all ) Tj ET Q q 0 0 0 rg BT 271.38 461.90 Td (banks ) Tj ET Q q 0 0 0 rg BT 297.66 461.90 Td (traded ) Tj ET Q q 0 0 0 rg BT 325.61 461.90 Td (on ) Tj ET Q q 0 0 0 rg BT 338.56 461.90 Td (the ) Tj ET Q q 0 0 0 rg BT 353.74 461.90 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 398.36 461.90 Td (Global ) Tj ET Q q 0 0 0 rg BT 428.54 461.90 Td (Select ) Tj ET Q q 0 0 0 rg BT 455.93 461.90 Td (Market ) Tj ET Q q 0 0 0 rg BT 487.76 461.90 Td (and ) Tj ET Q q 0 0 0 rg BT 505.15 461.90 Td (the ) Tj ET Q q 0 0 0 rg BT 520.33 461.90 Td (NASDAQ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.90 Td (Small-Cap ) Tj ET Q q 0 0 0 rg BT 95.27 449.90 Td (Market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 428.90 Td (This ) Tj ET Q q 0 0 0 rg BT 70.82 428.90 Td (graph ) Tj ET Q q 0 0 0 rg BT 96.63 428.90 Td (and ) Tj ET Q q 0 0 0 rg BT 114.12 428.90 Td (other ) Tj ET Q q 0 0 0 rg BT 137.71 428.90 Td (information ) Tj ET Q q 0 0 0 rg BT 187.96 428.90 Td (furnished ) Tj ET Q q 0 0 0 rg BT 228.77 428.90 Td (in ) Tj ET Q q 0 0 0 rg BT 239.60 428.90 Td (the ) Tj ET Q q 0 0 0 rg BT 254.86 428.90 Td (section ) Tj ET Q q 0 0 0 rg BT 286.22 428.90 Td (titled ) Tj ET Q q 0 0 0 rg BT 309.82 428.90 Td (Performance ) Tj ET Q q 0 0 0 rg BT 368.39 428.90 Td (Graph ) Tj ET Q q 0 0 0 rg BT 400.86 428.90 Td (under ) Tj ET Q q 0 0 0 rg BT 426.67 428.90 Td (this ) Tj ET Q q 0 0 0 rg BT 444.16 428.90 Td (Part ) Tj ET Q q 0 0 0 rg BT 463.31 428.90 Td (II, ) Tj ET Q q 0 0 0 rg BT 475.52 428.90 Td (Item5 ) Tj ET Q q 0 0 0 rg BT 504.39 428.90 Td (of ) Tj ET Q q 0 0 0 rg BT 515.76 428.90 Td (this ) Tj ET Q q 0 0 0 rg BT 532.58 428.90 Td (Annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.90 Td (Report ) Tj ET Q q 0 0 0 rg BT 79.58 416.90 Td (on ) Tj ET Q q 0 0 0 rg BT 91.94 416.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 115.97 416.90 Td (10-K ) Tj ET Q q 0 0 0 rg BT 138.89 416.90 Td (shall ) Tj ET Q q 0 0 0 rg BT 160.14 416.90 Td (not ) Tj ET Q q 0 0 0 rg BT 175.28 416.90 Td (be ) Tj ET Q q 0 0 0 rg BT 187.08 416.90 Td (deemed ) Tj ET Q q 0 0 0 rg BT 220.53 416.90 Td (to ) Tj ET Q q 0 0 0 rg BT 230.67 416.90 Td (be ) Tj ET Q q 0 0 0 rg BT 242.48 416.90 Td (soliciting ) Tj ET Q q 0 0 0 rg BT 290.94 416.90 Td (materials ) Tj ET Q q 0 0 0 rg BT 329.95 416.90 Td (or ) Tj ET Q q 0 0 0 rg BT 340.64 416.90 Td (to ) Tj ET Q q 0 0 0 rg BT 350.78 416.90 Td (be ) Tj ET Q q 0 0 0 rg BT 362.58 416.90 Td (filed ) Tj ET Q q 0 0 0 rg BT 392.15 416.90 Td (with ) Tj ET Q q 0 0 0 rg BT 412.29 416.90 Td (the ) Tj ET Q q 0 0 0 rg BT 426.87 416.90 Td (SEC ) Tj ET Q q 0 0 0 rg BT 447.57 416.90 Td (or ) Tj ET Q q 0 0 0 rg BT 458.26 416.90 Td (subject ) Tj ET Q q 0 0 0 rg BT 488.95 416.90 Td (to ) Tj ET Q q 0 0 0 rg BT 499.09 416.90 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 545.33 416.90 Td (14A) Tj ET Q q 0 0 0 rg BT 562.00 416.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 404.90 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 404.90 Td (14C, ) Tj ET Q q 0 0 0 rg BT 82.50 404.90 Td (or ) Tj ET Q q 0 0 0 rg BT 93.33 404.90 Td (to ) Tj ET Q q 0 0 0 rg BT 103.61 404.90 Td (the ) Tj ET Q q 0 0 0 rg BT 118.33 404.90 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 158.04 404.90 Td (of ) Tj ET Q q 0 0 0 rg BT 168.87 404.90 Td (Section18 ) Tj ET Q q 0 0 0 rg BT 213.87 404.90 Td (of ) Tj ET Q q 0 0 0 rg BT 224.70 404.90 Td (the ) Tj ET Q q 0 0 0 rg BT 239.41 404.90 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 280.79 404.90 Td (Act, ) Tj ET Q q 0 0 0 rg BT 300.22 404.90 Td (as ) Tj ET Q q 0 0 0 rg BT 311.05 404.90 Td (amended.) Tj ET Q /GS0 gs q 501.00 0 0 291.00 55.50 108.90 cm /I21 Do Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 91.39999999999998 m 272.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 91.39999999999998 m 276.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 91.39999999999998 m 320.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 91.39999999999998 m 324.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324.5 91.39999999999998 m 368.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 91.39999999999998 m 372.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 91.39999999999998 m 417.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 91.39999999999998 m 421.5 91.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 91.39999999999998 m 465.5 91.39999999999998 l s 0 0 0 RG 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0 rg BT 531.10 70.13 Td (176.17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 58.13 Td (NASDAQ Bank Index) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.10 58.02 Td (100.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 58.02 Td (74.57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.10 58.02 Td (100.48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.10 58.02 Td (137.27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.10 58.02 Td (153.50) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.10 58.13 Td (156.89) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 79 0 obj <> endobj 80 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (39) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Appr) Tj ET Q q 0 0 0 rg BT 69.63 742.10 Td (oximate 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rg BT 445.72 723.10 Td (common ) Tj ET Q q 0 0 0 rg BT 483.22 723.10 Td (stock.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 704.10 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 93.05 704.10 Td (on ) Tj ET Q q 0 0 0 rg BT 105.55 704.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 144.16 704.10 Td (Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.42 685.10 Td (Company) Tj ET Q q 0 0 0 rg BT 110.08 685.10 Td (s ) Tj ET Q q 0 0 0 rg BT 116.84 685.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 144.15 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.35 685.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 195.42 685.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 235.50 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.58 685.10 Td (first ) Tj ET Q q 0 0 0 rg BT 269.56 685.10 Td (semi-annual ) Tj ET Q q 0 0 0 rg BT 321.30 685.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 359.17 685.10 Td (on ) Tj ET Q q 0 0 0 rg BT 372.03 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.12 685.10 Td (Company) Tj ET Q q 0 0 0 rg BT 428.78 685.10 Td (s ) Tj ET Q q 0 0 0 rg BT 435.54 685.10 Td (common ) Tj ET Q q 0 0 0 rg BT 473.41 685.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 497.39 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 508.03 685.10 Td (January ) Tj ET Q q 0 0 0 rg BT 542.00 685.10 Td (2000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.61 673.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 110.21 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.16 673.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 156.54 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 164.15 673.10 Td (semi-annual ) Tj ET Q q 0 0 0 rg BT 216.20 673.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 254.36 673.10 Td (until ) Tj ET Q q 0 0 0 rg BT 275.87 673.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 315.13 673.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 357.19 673.10 Td (were ) Tj ET Q q 0 0 0 rg BT 379.79 673.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 420.17 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 431.12 673.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 454.29 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.90 673.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 497.34 673.10 Td (The ) Tj ET Q q 0 0 0 rg BT 516.06 673.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 553.67 673.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 91.98 661.10 Td (is ) Tj ET Q q 0 0 0 rg BT 101.74 661.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 133.15 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.02 661.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 182.11 661.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 229.63 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.16 661.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 294.69 661.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 325.00 661.10 Td (under ) Tj ET Q q 0 0 0 rg BT 350.85 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.16 661.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 391.47 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.89 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.20 661.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 465.87 661.10 Td (5.00% ) Tj ET Q q 0 0 0 rg BT 494.79 661.10 Td (Non-Cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 90.43 649.10 Td (Convertible ) Tj ET Q q 0 0 0 rg BT 140.32 649.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 180.18 649.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 208.13 649.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 235.24 649.10 Td (C ) Tj ET Q q 0 0 0 rg BT 244.58 649.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 262.80 649.10 Td ("Series ) Tj ET Q q 0 0 0 rg BT 293.99 649.10 Td (C ) Tj ET Q q 0 0 0 rg BT 303.33 649.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 343.19 649.10 Td (Stock"\), ) Tj ET Q q 0 0 0 rg BT 378.55 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.44 649.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 418.33 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 429.33 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.21 649.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 491.46 649.10 Td (Fixed-to-Floating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (Non-Cumulative ) Tj ET Q q 0 0 0 rg BT 119.17 637.10 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 158.90 637.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 198.06 637.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 225.30 637.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 251.70 637.10 Td (D ) Tj ET Q q 0 0 0 rg BT 260.89 637.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 278.40 637.10 Td ("Series ) Tj ET Q q 0 0 0 rg BT 308.88 637.10 Td (D ) Tj ET Q q 0 0 0 rg BT 318.07 637.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 357.23 637.10 Td (Stock"\), ) Tj ET Q q 0 0 0 rg BT 391.88 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.06 637.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 430.24 637.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.53 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.71 637.10 Td (Company) Tj ET Q q 0 0 0 rg BT 496.38 637.10 Td (s ) Tj ET Q q 0 0 0 rg BT 502.09 637.10 Td (T) Tj ET Q q 0 0 0 rg BT 507.85 637.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 524.81 637.10 Td (Preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 91.40 625.10 Td (of) Tj ET Q q 0 0 0 rg BT 99.55 625.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 129.29 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.69 625.10 Td (under ) Tj ET Q q 0 0 0 rg BT 170.43 625.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 199.59 625.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 236.54 625.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 278.49 625.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.24 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.42 625.10 Td (Company) Tj ET Q q 0 0 0 rg BT 344.09 625.10 Td (s ) Tj ET Q q 0 0 0 rg BT 349.95 625.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 390.24 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.64 625.10 Td (term ) Tj ET Q q 0 0 0 rg BT 426.94 625.10 Td (facilities. ) Tj ET Q q 0 0 0 rg BT 465.83 625.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 492.79 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.97 625.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 531.16 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 541.45 625.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 85.30 613.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 122.27 613.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 154.24 613.10 Td (into ) Tj ET Q q 0 0 0 rg BT 172.34 613.10 Td (on ) Tj ET Q q 0 0 0 rg BT 184.89 613.10 Td (December ) Tj ET Q q 0 0 0 rg BT 228.52 613.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 243.56 613.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 266.11 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.09 613.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 337.86 613.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 376.50 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 386.82 613.10 Td (December ) Tj ET Q q 0 0 0 rg BT 430.45 613.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 455.49 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.26 613.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 511.69 613.10 Td (is ) Tj ET Q q 0 0 0 rg BT 520.90 613.10 Td (prohibited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.60 601.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 100.97 601.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 142.02 601.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.17 601.10 Td (any ) Tj ET Q q 0 0 0 rg BT 170.77 601.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 197.92 601.10 Td (interests, ) Tj ET Q q 0 0 0 rg BT 235.91 601.10 Td (including ) Tj ET Q q 0 0 0 rg BT 275.84 601.10 Td (its ) Tj ET Q q 0 0 0 rg BT 287.45 601.10 Td (common ) Tj ET Q q 0 0 0 rg BT 324.60 601.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 347.87 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.46 601.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 403.26 601.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 429.02 601.10 Td (if ) Tj ET Q q 0 0 0 rg BT 437.29 601.10 Td (such ) Tj ET Q q 0 0 0 rg BT 457.78 601.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 498.26 601.10 Td (would ) Tj ET Q q 0 0 0 rg BT 525.42 601.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 549.79 601.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 589.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.67 589.10 Td (be ) Tj ET Q q 0 0 0 rg BT 113.60 589.10 Td (in ) Tj ET Q q 0 0 0 rg BT 123.88 589.10 Td (default ) Tj ET Q q 0 0 0 rg BT 154.15 589.10 Td (under ) Tj ET Q q 0 0 0 rg BT 179.41 589.10 Td (its ) Tj ET Q q 0 0 0 rg BT 191.36 589.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 228.29 589.10 Td (or ) Tj ET Q q 0 0 0 rg BT 239.12 589.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 269.38 589.10 Td (a ) Tj ET Q q 0 0 0 rg BT 276.31 589.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 306.02 589.10 Td (threshold.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 570.10 Td (The following is a summary of the cash dividends paid in 2015 and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.89 570.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.89 570.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 547.60 160.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 547.60 17.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 547.60 159.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 547.60 16.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 547.60 160.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 523.60 160.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 523.60 17.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 523.60 159.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 523.60 16.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 523.60 160.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 499.60 160.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 499.60 17.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 499.60 159.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 499.60 16.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 499.60 160.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 475.60 160.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 475.60 17.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 475.60 159.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 475.60 16.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 475.60 160.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 559.6 m 210.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 547.6 m 210.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 559.6 m 227.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 547.6 m 227.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 559.6 m 386.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 547.6 m 386.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 559.6 m 402.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 547.6 m 402.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 559.6 m 562.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 547.6 m 562.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 547.6 m 210.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 547.6 m 227.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 547.6 m 386.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 547.6 m 402.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 547.6 m 562.5 547.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 451.6 m 210.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 451.6 m 227.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 451.6 m 386.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 451.6 m 402.5 451.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 451.6 m 562.5 451.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 551.68 Td (Record Date) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 551.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.00 551.68 Td (PayableDate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 551.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.80 551.68 Td (DividendperShare) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 538.86 Td (November 12, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 538.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 538.86 Td (November 27, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 538.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 538.86 Td ($0.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 526.86 Td (August 6, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 526.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 526.86 Td (August 20, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 526.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 526.86 Td ($0.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 514.86 Td (May 7, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 514.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 514.86 Td (May 21, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 514.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 514.86 Td ($0.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 502.86 Td (February 5, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 502.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 502.86 Td (February 19, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 502.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 502.86 Td ($0.11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 490.86 Td (November 6, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 490.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 490.86 Td (November 20, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 490.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 490.86 Td ($0.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 478.86 Td (August 7, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.00 478.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 478.86 Td (August 21, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.00 478.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 478.86 Td ($0.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 466.86 Td (May 8, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 466.86 Td (May 22, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 466.86 Td ($0.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 454.86 Td (February 6, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.00 454.86 Td (February 20, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 454.86 Td ($0.10) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.30 Td (On ) Tj ET Q q 0 0 0 rg BT 64.11 424.30 Td (January ) Tj ET Q q 0 0 0 rg BT 97.10 424.30 Td (28, ) Tj ET Q q 0 0 0 rg BT 111.49 424.30 Td (2016, ) Tj ET Q q 0 0 0 rg BT 135.74 424.30 Td (W) Tj ET Q q 0 0 0 rg BT 144.78 424.30 Td (intrust ) Tj ET Q q 0 0 0 rg BT 172.23 424.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 211.33 424.30 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 261.54 424.30 Td (announced ) Tj ET Q q 0 0 0 rg BT 306.75 424.30 Td (that ) Tj ET Q q 0 0 0 rg BT 323.63 424.30 Td (the ) Tj ET Q q 0 0 0 rg BT 337.74 424.30 Td (Company) Tj ET Q q 0 0 0 rg BT 379.40 424.30 Td (s ) Tj ET Q q 0 0 0 rg BT 385.19 424.30 Td (Board ) Tj ET Q q 0 0 0 rg BT 411.51 424.30 Td (of ) Tj ET Q q 0 0 0 rg BT 421.73 424.30 Td (Directors ) Tj ET Q q 0 0 0 rg BT 460.83 424.30 Td (approved ) Tj ET Q q 0 0 0 rg BT 499.93 424.30 Td (a ) Tj ET Q q 0 0 0 rg BT 506.25 424.30 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 544.24 424.30 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.30 Td (dividend ) Tj ET Q q 0 0 0 rg BT 87.23 412.30 Td (of ) Tj ET Q q 0 0 0 rg BT 97.80 412.30 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 122.54 412.30 Td (per ) Tj ET Q q 0 0 0 rg BT 137.55 412.30 Td (share ) Tj ET Q q 0 0 0 rg BT 160.89 412.30 Td (of ) Tj ET Q q 0 0 0 rg BT 171.46 412.30 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 220.36 412.30 Td (common ) Tj ET Q q 0 0 0 rg BT 257.59 412.30 Td (stock. ) Tj ET Q q 0 0 0 rg BT 283.28 412.30 Td (The ) Tj ET Q q 0 0 0 rg BT 301.06 412.30 Td (dividend ) Tj ET Q q 0 0 0 rg BT 338.30 412.30 Td (was ) Tj ET Q q 0 0 0 rg BT 356.09 412.30 Td (paid ) Tj ET Q q 0 0 0 rg BT 375.54 412.30 Td (on ) Tj ET Q q 0 0 0 rg BT 387.78 412.30 Td (February ) Tj ET Q q 0 0 0 rg BT 426.12 412.30 Td (25, ) Tj ET Q q 0 0 0 rg BT 440.86 412.30 Td (2016 ) Tj ET Q q 0 0 0 rg BT 463.10 412.30 Td (to ) Tj ET Q q 0 0 0 rg BT 473.11 412.30 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 525.89 412.30 Td (of ) Tj ET Q q 0 0 0 rg BT 536.46 412.30 Td (record ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.30 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 400.30 Td (of ) Tj ET Q q 0 0 0 rg BT 71.66 400.30 Td (February ) Tj ET Q q 0 0 0 rg BT 110.26 400.30 Td (1) Tj ET Q q 0 0 0 rg BT 114.89 400.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 124.89 400.30 Td (2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 381.30 Td (Because ) Tj ET Q q 0 0 0 rg BT 86.62 381.30 Td (the ) Tj ET Q q 0 0 0 rg BT 102.15 381.30 Td (Company) Tj ET Q q 0 0 0 rg BT 143.81 381.30 Td (s ) Tj ET Q q 0 0 0 rg BT 151.01 381.30 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 204.86 381.30 Td (net ) Tj ET Q q 0 0 0 rg BT 220.39 381.30 Td (income ) Tj ET Q q 0 0 0 rg BT 253.13 381.30 Td (consists ) Tj ET Q q 0 0 0 rg BT 288.11 381.30 Td (lar) Tj ET Q q 0 0 0 rg BT 298.47 381.30 Td (gely ) Tj ET Q q 0 0 0 rg BT 319.00 381.30 Td (of ) Tj ET Q q 0 0 0 rg BT 330.64 381.30 Td (net ) Tj ET Q q 0 0 0 rg BT 346.16 381.30 Td (income ) Tj ET Q q 0 0 0 rg BT 378.90 381.30 Td (of ) Tj ET Q q 0 0 0 rg BT 390.54 381.30 Td (the ) Tj ET Q q 0 0 0 rg BT 406.07 381.30 Td (banks ) Tj ET Q q 0 0 0 rg BT 432.71 381.30 Td (and ) Tj ET Q q 0 0 0 rg BT 450.45 381.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 480.96 381.30 Td (wealth ) Tj ET Q q 0 0 0 rg BT 510.93 381.30 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 369.30 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 101.46 369.30 Td (the ) Tj ET Q q 0 0 0 rg BT 115.41 369.30 Td (Company) Tj ET Q q 0 0 0 rg BT 157.08 369.30 Td (s ) Tj ET Q q 0 0 0 rg BT 162.71 369.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 190.00 369.30 Td (to ) Tj ET Q q 0 0 0 rg BT 199.52 369.30 Td (pay ) Tj ET Q q 0 0 0 rg BT 215.70 369.30 Td (dividends ) Tj ET Q q 0 0 0 rg BT 256.32 369.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 295.27 369.30 Td (depends ) Tj ET Q q 0 0 0 rg BT 329.77 369.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 351.51 369.30 Td (its ) Tj ET Q q 0 0 0 rg BT 362.70 369.30 Td (receipt ) Tj ET Q q 0 0 0 rg BT 391.64 369.30 Td (of ) Tj ET Q q 0 0 0 rg BT 401.71 369.30 Td (dividends ) Tj ET Q q 0 0 0 rg BT 442.34 369.30 Td (from ) Tj ET Q q 0 0 0 rg BT 463.52 369.30 Td (these ) Tj ET Q q 0 0 0 rg BT 485.80 369.30 Td (entities. ) Tj ET Q q 0 0 0 rg BT 518.80 369.30 Td (The ) Tj ET Q q 0 0 0 rg BT 536.09 369.30 Td (banks) Tj ET Q q 0 0 0 rg BT 562.00 369.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 357.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.71 357.30 Td (to ) Tj ET Q q 0 0 0 rg BT 89.64 357.30 Td (pay ) Tj ET Q q 0 0 0 rg BT 107.24 357.30 Td (dividends ) Tj ET Q q 0 0 0 rg BT 149.28 357.30 Td (is ) Tj ET Q q 0 0 0 rg BT 159.11 357.30 Td (regulated ) Tj ET Q q 0 0 0 rg BT 199.47 357.30 Td (by ) Tj ET Q q 0 0 0 rg BT 212.62 357.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 248.00 357.30 Td (statutes. ) Tj ET Q q 0 0 0 rg BT 283.65 357.30 Td (See ) Tj ET Q q 0 0 0 rg BT 301.25 357.30 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 356.62 357.30 Td (and ) Tj ET Q q 0 0 0 rg BT 374.21 357.30 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 421.25 357.30 Td (- ) Tj ET Q q 0 0 0 rg BT 427.74 357.30 Td (Payment ) Tj ET Q q 0 0 0 rg BT 465.89 357.30 Td (of ) Tj ET Q q 0 0 0 rg BT 477.38 357.30 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 521.64 357.30 Td (and ) Tj ET Q q 0 0 0 rg BT 539.24 357.30 Td (Share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 345.30 Td (Repurchases ) Tj ET Q q 0 0 0 rg BT 106.37 345.30 Td (in ) Tj ET Q q 0 0 0 rg BT 115.55 345.30 Td (Item ) Tj ET Q q 0 0 0 rg BT 135.28 345.30 Td (1 ) Tj ET Q q 0 0 0 rg BT 141.67 345.30 Td (of ) Tj ET Q q 0 0 0 rg BT 151.40 345.30 Td (this ) Tj ET Q q 0 0 0 rg BT 166.94 345.30 Td (Annual ) Tj ET Q q 0 0 0 rg BT 197.78 345.30 Td (Report ) Tj ET Q q 0 0 0 rg BT 226.40 345.30 Td (on ) Tj ET Q q 0 0 0 rg BT 237.79 345.30 Td (Form ) Tj ET Q q 0 0 0 rg BT 260.86 345.30 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 285.31 345.30 Td (During ) Tj ET Q q 0 0 0 rg BT 315.04 345.30 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.94 345.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.94 345.30 Td ( ) Tj ET Q q 0 0 0 rg BT 360.34 345.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.18 345.30 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.18 345.30 Td (, ) Tj ET Q q 0 0 0 rg BT 400.08 345.30 Td (the ) Tj ET Q q 0 0 0 rg BT 413.69 345.30 Td (banks ) Tj ET Q q 0 0 0 rg BT 438.42 345.30 Td (and ) Tj ET Q q 0 0 0 rg BT 454.26 345.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 482.86 345.30 Td (wealth ) Tj ET Q q 0 0 0 rg BT 510.91 345.30 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 333.30 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 99.72 333.30 Td (paid ) Tj ET Q q 0 0 0 rg BT 119.43 333.30 Td ($22.2 ) Tj ET Q q 0 0 0 rg BT 144.43 333.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 178.33 333.30 Td ($77.0 ) Tj ET Q q 0 0 0 rg BT 203.33 333.30 Td (million ) Tj ET Q q 0 0 0 rg BT 234.72 333.30 Td (and ) Tj ET Q q 0 0 0 rg BT 251.66 333.30 Td ($1) Tj ET Q q 0 0 0 rg BT 261.28 333.30 Td (12.8 ) Tj ET Q q 0 0 0 rg BT 281.28 333.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 315.18 333.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 362.84 333.30 Td (, ) Tj ET Q q 0 0 0 rg BT 367.84 333.30 Td (in ) Tj ET Q q 0 0 0 rg BT 378.12 333.30 Td (dividends ) Tj ET Q q 0 0 0 rg BT 419.50 333.30 Td (to ) Tj ET Q q 0 0 0 rg BT 429.78 333.30 Td (the ) Tj ET Q q 0 0 0 rg BT 444.50 333.30 Td (Company) Tj ET Q q 0 0 0 rg BT 482.73 333.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 314.30 Td (Reference ) Tj ET Q q 0 0 0 rg BT 92.99 314.30 Td (is ) Tj ET Q q 0 0 0 rg BT 102.12 314.30 Td (also ) Tj ET Q q 0 0 0 rg BT 120.70 314.30 Td (made ) Tj ET Q q 0 0 0 rg BT 144.82 314.30 Td (to ) Tj ET Q q 0 0 0 rg BT 155.06 314.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 176.96 314.30 Td (18 ) Tj ET Q q 0 0 0 rg BT 189.43 314.30 Td (to ) Tj ET Q q 0 0 0 rg BT 199.67 314.30 Td (the ) Tj ET Q q 0 0 0 rg BT 214.35 314.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 269.59 314.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 309.27 314.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 355.61 314.30 Td (and ) Tj ET Q q 0 0 0 rg BT 372.52 314.30 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 416.64 314.30 Td (and ) Tj ET Q q 0 0 0 rg BT 433.54 314.30 Td (Capital ) Tj ET Q q 0 0 0 rg BT 464.89 314.30 Td (Resources ) Tj ET Q q 0 0 0 rg BT 512.89 314.30 Td (contained ) Tj ET Q q 0 0 0 rg BT 554.23 314.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 302.30 Td (Item ) Tj ET Q q 0 0 0 rg BT 71.20 302.30 Td (8 ) Tj ET Q q 0 0 0 rg BT 79.08 302.30 Td (of ) Tj ET Q q 0 0 0 rg BT 90.29 302.30 Td (this ) Tj ET Q q 0 0 0 rg BT 106.98 302.30 Td (Annual ) Tj ET Q q 0 0 0 rg BT 139.30 302.30 Td (Report ) Tj ET Q q 0 0 0 rg BT 169.39 302.30 Td (on ) Tj ET Q q 0 0 0 rg BT 182.27 302.30 Td (Form ) Tj ET Q q 0 0 0 rg BT 206.82 302.30 Td (10-K ) Tj ET Q q 0 0 0 rg BT 230.25 302.30 Td (for ) Tj ET Q q 0 0 0 rg BT 244.79 302.30 Td (a ) Tj ET Q q 0 0 0 rg BT 252.11 302.30 Td (description ) Tj ET Q q 0 0 0 rg BT 299.42 302.30 Td (of ) Tj ET Q q 0 0 0 rg BT 310.63 302.30 Td (the ) Tj ET Q q 0 0 0 rg BT 325.72 302.30 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 373.03 302.30 Td (on ) Tj ET Q q 0 0 0 rg BT 385.91 302.30 Td (the ) Tj ET Q q 0 0 0 rg BT 401.01 302.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 429.44 302.30 Td (of ) Tj ET Q q 0 0 0 rg BT 440.65 302.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 470.73 302.30 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 520.82 302.30 Td (to ) Tj ET Q q 0 0 0 rg BT 531.48 302.30 Td (transfer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 290.30 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.72 290.30 Td (to ) Tj ET Q q 0 0 0 rg BT 85.00 290.30 Td (the ) Tj ET Q q 0 0 0 rg BT 99.72 290.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 141.10 290.30 Td (in ) Tj ET Q q 0 0 0 rg BT 151.38 290.30 Td (the ) Tj ET Q q 0 0 0 rg BT 166.10 290.30 Td (form ) Tj ET Q q 0 0 0 rg BT 188.04 290.30 Td (of ) Tj ET Q q 0 0 0 rg BT 198.87 290.30 Td (dividends.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 271.30 Td (Issuer ) Tj ET Q q 0 0 0 rg BT 76.94 271.30 Td (Pur) Tj ET Q q 0 0 0 rg BT 91.57 271.30 Td (chases ) Tj ET Q q 0 0 0 rg BT 120.73 271.30 Td (of ) Tj ET Q q 0 0 0 rg BT 131.01 271.30 Td (Equity ) Tj ET Q q 0 0 0 rg BT 159.61 271.30 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.30 Td (No ) Tj ET Q q 0 0 0 rg BT 65.51 253.30 Td (purchases ) Tj ET Q q 0 0 0 rg BT 108.22 253.30 Td (of ) Tj ET Q q 0 0 0 rg BT 119.83 253.30 Td (the ) Tj ET Q q 0 0 0 rg BT 135.33 253.30 Td (Company) Tj ET Q q 0 0 0 rg BT 177.00 253.30 Td (s ) Tj ET Q q 0 0 0 rg BT 184.17 253.30 Td (common ) Tj ET Q q 0 0 0 rg BT 222.45 253.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 250.73 253.30 Td (were ) Tj ET Q q 0 0 0 rg BT 273.44 253.30 Td (made ) Tj ET Q q 0 0 0 rg BT 298.38 253.30 Td (by ) Tj ET Q q 0 0 0 rg BT 311.66 253.30 Td (or ) Tj ET Q q 0 0 0 rg BT 323.27 253.30 Td (on ) Tj ET Q q 0 0 0 rg BT 336.56 253.30 Td (behalf ) Tj ET Q q 0 0 0 rg BT 364.83 253.30 Td (of ) Tj ET Q q 0 0 0 rg BT 376.44 253.30 Td (the ) Tj ET Q q 0 0 0 rg BT 391.94 253.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 434.11 253.30 Td (or ) Tj ET Q q 0 0 0 rg BT 445.73 253.30 Td (any ) Tj ET Q q 0 0 0 rg BT 463.45 253.30 Td (af) Tj ET Q q 0 0 0 rg BT 475.47 253.30 Td (filiated ) Tj ET Q q 0 0 0 rg BT 507.08 253.30 Td (purchaser ) Tj ET Q q 0 0 0 rg BT 553.67 253.30 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.30 Td (defined ) Tj ET Q q 0 0 0 rg BT 82.25 241.30 Td (in ) Tj ET Q q 0 0 0 rg BT 92.29 241.30 Td (Rule ) Tj ET Q q 0 0 0 rg BT 113.44 241.30 Td (10b-18\(a\)\(3\) ) Tj ET Q q 0 0 0 rg BT 166.79 241.30 Td (under ) Tj ET Q q 0 0 0 rg BT 191.82 241.30 Td (the ) Tj ET Q q 0 0 0 rg BT 206.30 241.30 Td (Securities ) Tj ET Q q 0 0 0 rg BT 248.00 241.30 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 289.19 241.30 Td (Act ) Tj ET Q q 0 0 0 rg BT 305.89 241.30 Td (of ) Tj ET Q q 0 0 0 rg BT 316.48 241.30 Td (1934, ) Tj ET Q q 0 0 0 rg BT 341.25 241.30 Td (as ) Tj ET Q q 0 0 0 rg BT 351.84 241.30 Td (amended, ) Tj ET Q q 0 0 0 rg BT 392.70 241.30 Td (during ) Tj ET Q q 0 0 0 rg BT 421.07 241.30 Td (the ) Tj ET Q q 0 0 0 rg BT 435.55 241.30 Td (year ) Tj ET Q q 0 0 0 rg BT 455.02 241.30 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.16 241.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.51 241.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 241.30 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.30 Td (There ) Tj ET Q q 0 0 0 rg BT 75.82 229.30 Td (is ) Tj ET Q q 0 0 0 rg BT 84.99 229.30 Td (currently ) Tj ET Q q 0 0 0 rg BT 123.58 229.30 Td (no ) Tj ET Q q 0 0 0 rg BT 136.08 229.30 Td (authorization ) Tj ET Q q 0 0 0 rg BT 191.34 229.30 Td (to ) Tj ET Q q 0 0 0 rg BT 201.62 229.30 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 247.42 229.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 274.91 229.30 Td (of ) Tj ET Q q 0 0 0 rg BT 285.74 229.30 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 334.91 229.30 Td (common ) Tj ET Q q 0 0 0 rg BT 372.40 229.30 Td (stock.) Tj ET Q endstream endobj 81 0 obj <> endobj 82 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (40) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 739.23 Td (ITEM6.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.00 739.23 Td (SELECTED FINANCIAL DATA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.00 734.00 Td ( ) Tj ET Q 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 687.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 687.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 687.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 687.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 687.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 687.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 687.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 687.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 687.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 687.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 687.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 665.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 665.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 665.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 665.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 665.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 665.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 665.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 665.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 665.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 665.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 665.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 643.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 643.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 643.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 643.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 643.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 643.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 643.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 643.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 643.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 643.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 643.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 621.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 621.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 621.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 621.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 621.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 621.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 621.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 621.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 621.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 621.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 621.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 599.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 599.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 599.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 599.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 599.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 599.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 599.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 599.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 599.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 599.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 599.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 577.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 577.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 577.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 577.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 577.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 577.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 577.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 577.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 577.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 577.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 577.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 555.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 555.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 555.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 555.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 555.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 555.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 555.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 555.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 555.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 555.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 555.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 533.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 533.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 533.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 533.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 533.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 533.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 533.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 533.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 533.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 533.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 533.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 511.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 511.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 511.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 511.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 511.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 511.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 511.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 511.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 511.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 511.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 511.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 489.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 489.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 489.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 489.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 489.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 489.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 489.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 489.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 489.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 489.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 489.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 467.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 467.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 467.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 467.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 467.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 467.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 467.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 467.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 467.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 467.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 467.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 445.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 445.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 445.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 445.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 445.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 445.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 445.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 445.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 445.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 445.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 445.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 423.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 423.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 423.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 423.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 423.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 423.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 423.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 423.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 423.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 423.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 423.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 401.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 401.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 401.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 401.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 401.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 401.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 401.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 401.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 401.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 401.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 401.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 379.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 379.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 379.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 379.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 379.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 379.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 379.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 379.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 379.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 379.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 379.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 357.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 357.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 357.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 357.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 357.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 357.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 357.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 357.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 357.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 357.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 357.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 335.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 335.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 335.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 335.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 335.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 335.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 335.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 335.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 335.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 335.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 335.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 313.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 313.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 313.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 313.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 313.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 313.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 313.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 313.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 313.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 313.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 313.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 291.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 291.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 291.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 291.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 291.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 291.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 291.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 291.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 291.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 291.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 291.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 261.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 261.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 261.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 261.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 261.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 261.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 261.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 261.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 261.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 261.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 261.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 239.50 207.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 239.50 4.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 239.50 57.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 239.50 4.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 239.50 57.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 239.50 4.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 239.50 57.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 239.50 4.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 239.50 57.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 239.50 4.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 239.50 57.00 -12.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 216.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 216.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 216.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 216.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 216.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 216.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 216.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 216.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 216.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 216.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 216.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 50.50 194.50 207.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 257.50 194.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 261.50 194.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 318.50 194.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 322.50 194.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 379.50 194.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 383.50 194.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 440.50 194.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 444.50 194.50 57.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 501.50 194.50 4.00 -11.00 re f /GS0 gs 0.7490196078431373 0.8941176470588236 1 rg /GS0 gs 505.50 194.50 57.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 711.5 m 257.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 711.5 m 261.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 711.5 m 318.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 699.5 m 318.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 711.5 m 322.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 699.5 m 322.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 711.5 m 379.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 699.5 m 379.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 711.5 m 383.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 699.5 m 383.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 711.5 m 440.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 699.5 m 440.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 711.5 m 444.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 699.5 m 444.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 711.5 m 501.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 699.5 m 501.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 711.5 m 505.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 699.5 m 505.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 711.5 m 562.5 711.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 699.5 m 562.5 699.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 687.5 m 257.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 687.5 m 261.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 687.5 m 318.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 687.5 m 322.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 687.5 m 379.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 687.5 m 383.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 687.5 m 440.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 687.5 m 444.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 687.5 m 501.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 687.5 m 505.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 687.5 m 562.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 621.5 m 257.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 621.5 m 261.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 621.5 m 318.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 621.5 m 322.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 621.5 m 379.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 621.5 m 383.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 621.5 m 440.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 621.5 m 444.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 621.5 m 501.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 621.5 m 505.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 621.5 m 562.5 621.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 555.5 m 257.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 555.5 m 261.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 555.5 m 318.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 555.5 m 322.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 555.5 m 379.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 555.5 m 383.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 555.5 m 440.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 555.5 m 444.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 555.5 m 501.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 555.5 m 505.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 555.5 m 562.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 401.5 m 257.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 401.5 m 261.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 401.5 m 318.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 401.5 m 322.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 401.5 m 379.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 401.5 m 383.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 401.5 m 440.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 401.5 m 444.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 401.5 m 501.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 401.5 m 505.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 401.5 m 562.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 183.5 m 257.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 183.5 m 261.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 183.5 m 318.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 183.5 m 322.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 183.5 m 379.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 183.5 m 383.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 183.5 m 440.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 183.5 m 444.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 183.5 m 501.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 183.5 m 505.5 183.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 183.5 m 562.5 183.5 l s BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 703.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 373.35 703.55 Td (Years Ended December31,) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 691.55 Td (\(Dollars in thousands, except per share data\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 282.50 691.56 Td (2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 343.50 691.55 Td (2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.50 691.55 Td (2013) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 465.50 691.55 Td (2012) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 526.60 691.55 Td (2011) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 680.26 Td (Selected Financial Condition Data \(at end of year\):) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 669.15 Td (Total assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 264.00 669.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 279.50 669.26 Td (22,917,166) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 325.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 341.65 669.15 Td (20,010,727) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 386.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.65 669.15 Td (18,097,783) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 447.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.65 669.15 Td (17,519,613) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 508.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 669.15 Td (15,893,808) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 658.15 Td (Total loans, excluding loans held-for-sale and covered loans) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 279.50 658.26 Td (17,118,117) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 341.65 658.15 Td (14,409,398) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.65 658.15 Td (12,896,602) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.65 658.15 Td (11,828,943) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 658.15 Td (10,521,377) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 647.15 Td (Total deposits) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 279.50 647.26 Td (18,639,634) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 341.65 647.15 Td (16,281,844) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.65 647.15 Td (14,668,789) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.65 647.15 Td (14,428,544) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 647.15 Td (12,307,267) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 636.15 Td (Junior subordinated debentures) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 288.25 636.26 Td (268,566) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 350.40 636.15 Td (249,493) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 411.40 636.15 Td (249,493) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 636.15 Td (249,493) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 636.15 Td (249,493) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 625.15 Td (Total shareholders equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 283.00 625.26 Td (2,352,274) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 345.15 625.15 Td (2,069,822) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.15 625.15 Td (1,900,589) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 467.15 625.15 Td (1,804,705) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 625.15 Td (1,543,533) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 614.26 Td (Selected Statements of Income Data:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 603.15 Td (Net interest income) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 264.00 603.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 288.25 603.26 Td (641,529) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 325.00 603.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 350.40 603.15 Td (598,575) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 386.00 603.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 411.40 603.15 Td (550,627) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 447.00 603.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 603.15 Td (519,516) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 508.00 603.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 603.15 Td (461,377) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 592.15 Td (Net revenue ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 94.76 595.32 Td (\(1\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 288.25 592.26 Td (913,126) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 350.40 592.15 Td (813,815) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 411.40 592.15 Td (773,024) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 592.15 Td (745,608) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 592.15 Td (651,075) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 581.15 Td (Net income) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 288.25 581.26 Td (156,749) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 350.40 581.15 Td (151,398) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 411.40 581.15 Td (137,210) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 581.15 Td (111,196) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 581.15 Td (77,575) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 570.15 Td (Net income per common share Basic) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 570.26 Td (3.05) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 570.15 Td (3.12) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 570.15 Td (3.33) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 570.15 Td (2.81) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 570.15 Td (2.08) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 559.15 Td (Net income per common share Diluted) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 559.26 Td (2.93) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 559.15 Td (2.98) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 559.15 Td (2.75) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 559.15 Td (2.31) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 559.15 Td (1.67) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 548.26 Td (Selected Financial Ratios and OtherData:) Tj ET Q BT /F4 7.00 Tf ET q 0 0 0 rg BT 53.00 537.14 Td (Performance Ratios:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 526.15 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 103.97 526.15 Td (gin ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 114.66 529.32 Td (\(2\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 526.26 Td (3.36) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 311.00 526.26 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 526.15 Td (3.53) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 373.15 526.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 526.15 Td (3.50) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 434.15 526.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 526.15 Td (3.49) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 495.15 526.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 526.15 Td (3.42) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 526.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 515.15 Td (Non-interest income to average assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 515.26 Td (1.29) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 515.15 Td (1.15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 515.15 Td (1.27) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 515.15 Td (1.37) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 515.15 Td (1.27) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 504.15 Td (Non-interest expense to average assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 504.26 Td (2.99) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 504.15 Td (2.92) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 504.15 Td (2.88) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 504.15 Td (2.96) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 504.15 Td (2.82) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 493.15 Td (Net overhead ratio ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 112.84 496.32 Td (\(2\)\(3\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 493.26 Td (1.70) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 493.15 Td (1.77) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 493.15 Td (1.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 493.15 Td (1.59) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 493.15 Td (1.55) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 482.15 Td (Ef) Tj ET Q q 0 0 0 rg BT 65.48 482.15 Td (ficiency ratio ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 104.35 485.32 Td (\(2\)\(4\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 295.25 482.26 Td (68.49) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 357.40 482.15 Td (66.89) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.40 482.15 Td (64.57) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 479.40 482.15 Td (65.85) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 482.15 Td (64.58) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 471.15 Td (Return on average assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 471.26 Td (0.75) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 471.15 Td (0.81) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 471.15 Td (0.79) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 471.15 Td (0.67) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 471.15 Td (0.52) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 460.15 Td (Return on average common equity ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 157.55 463.32 Td (\(2\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 460.26 Td (7.15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 460.15 Td (7.77) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 460.15 Td (7.56) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 460.15 Td (6.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 460.15 Td (5.12) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 449.15 Td (Return on average tangible common equity ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 181.85 452.32 Td (\(2\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 449.26 Td (9.44) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 357.40 449.15 Td (10.14) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 449.15 Td (9.93) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 449.15 Td (8.70) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 449.15 Td (6.70) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 438.15 Td (Average total assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 264.00 438.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 279.50 438.26 Td (21,009,773) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 325.00 438.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 341.65 438.15 Td (18,699,458) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 386.00 438.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.65 438.15 Td (17,468,249) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 447.00 438.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.65 438.15 Td (16,529,617) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 508.00 438.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 438.15 Td (14,920,160) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 427.15 Td (Average total shareholders equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 283.00 427.26 Td (2,232,989) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 345.15 427.15 Td (1,993,959) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.15 427.15 Td (1,856,706) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 467.15 427.15 Td (1,696,276) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 427.15 Td (1,484,720) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 416.15 Td (Average loans to average deposits ratio \(excluding covered loans\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 416.26 Td (92.0) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 311.00 416.26 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 416.15 Td (89.9) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 373.15 416.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 416.15 Td (88.9) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 434.15 416.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 416.15 Td (87.8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 495.15 416.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 416.15 Td (88.3) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 416.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 405.15 Td (Average loans to average deposits ratio \(including covered loans\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 405.26 Td (93.1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 405.15 Td (91.7) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 405.15 Td (92.1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 405.15 Td (92.6) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 405.15 Td (92.8) Tj ET Q BT /F4 7.00 Tf ET q 0 0 0 rg BT 53.00 394.14 Td (Common Share Data at end of year:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 383.15 Td (Market price per common share) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 264.00 383.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 295.25 383.26 Td (48.52) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 325.00 383.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 357.40 383.15 Td (46.76) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 386.00 383.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.40 383.15 Td (46.12) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 447.00 383.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 479.40 383.15 Td (36.70) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 508.00 383.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 383.15 Td (28.05) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 372.15 Td (Book value per common share ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 146.28 375.32 Td (\(2\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 264.00 372.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 295.25 372.26 Td (43.42) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 325.00 372.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 357.40 372.15 Td (41.52) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 386.00 372.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.40 372.15 Td (38.47) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 447.00 372.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 479.40 372.15 Td (37.78) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 508.00 372.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 372.15 Td (34.23) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 361.15 Td (T) Tj ET Q q 0 0 0 rg BT 62.79 361.15 Td (angible common book value per share ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 171.25 364.32 Td (\(2\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 264.00 361.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 295.25 361.26 Td (33.17) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 325.00 361.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 357.40 361.15 Td (32.45) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 386.00 361.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.40 361.15 Td (29.93) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 447.00 361.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 479.40 361.15 Td (29.28) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 508.00 361.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 361.15 Td (26.72) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 350.15 Td (Common shares outstanding) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 279.50 350.26 Td (48,383,279) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 341.65 350.15 Td (46,805,055) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.65 350.15 Td (46,116,583) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.65 350.15 Td (36,858,355) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 350.15 Td (35,978,349) Tj ET Q BT /F4 7.00 Tf ET q 0 0 0 rg BT 53.00 339.14 Td (Other Data at end of year: ) Tj ET Q BT /F4 7.00 Tf ET BT /F4 4.55 Tf ET q 0 0 0 rg BT 129.60 342.31 Td (\(7\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 328.15 Td (Leverage Ratio) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 302.25 328.26 Td (9.1) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 311.00 328.26 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 328.15 Td (10.2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 373.15 328.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 328.15 Td (10.5) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 434.15 328.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 328.15 Td (10.0) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 495.15 328.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.40 328.15 Td (9.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 328.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 317.15 Td (Tier 1 capital to risk-weighted assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 317.26 Td (10.0) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 317.15 Td (11.6) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 317.15 Td (12.2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 317.15 Td (12.1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 317.15 Td (11.8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 306.15 Td (Common equity Tier 1 capital to risk-weighted assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 302.25 306.26 Td (8.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 364.30 306.15 Td (N/A) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.30 306.15 Td (N/A) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 486.30 306.15 Td (N/A) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.30 306.15 Td (N/A) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 295.15 Td (Total capital to risk-weighted assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 295.26 Td (12.2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 295.15 Td (13.0) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 295.15 Td (12.9) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 295.15 Td (13.1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 295.15 Td (13.0) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 284.15 Td (T) Tj ET Q q 0 0 0 rg BT 62.79 284.15 Td (angible Common Equity ratio \(TCE\) ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 167.58 287.32 Td (\(2\)\(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 302.25 284.26 Td (7.2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 364.40 284.15 Td (7.8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.40 284.15 Td (7.8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 486.40 284.15 Td (7.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.40 284.15 Td (7.5) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 272.55 Td (T) Tj ET Q q 0 0 0 rg BT 62.79 272.55 Td (angible Common Equity ratio, assuming full conversion of ) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 265.55 Td (preferred stock ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 102.92 268.72 Td (\(2\)\(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 302.25 265.56 Td (7.7) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 364.40 265.55 Td (8.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.40 265.55 Td (8.5) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 486.40 265.55 Td (8.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.40 265.55 Td (7.8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 254.15 Td (Allowance for credit losses ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 137.14 257.32 Td (\(5\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 264.00 254.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 288.25 254.26 Td (106,349) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 325.00 254.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.90 254.15 Td (92,480) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 386.00 254.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 414.90 254.15 Td (97,641) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 447.00 254.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 254.15 Td (121,988) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 508.00 254.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 254.15 Td (123,612) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 243.15 Td (Non-performing loans) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.75 243.26 Td (84,057) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.90 243.15 Td (78,677) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 411.40 243.15 Td (103,334) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 243.15 Td (118,083) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 243.15 Td (120,084) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 231.55 Td (Allowance for credit losses) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 135.39 234.72 Td (\(5\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 140.70 231.55 Td ( to total loans, excluding covered loans) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 231.56 Td (0.62) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 311.00 231.56 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 231.55 Td (0.64) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 373.15 231.55 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 231.55 Td (0.76) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 434.15 231.55 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 231.55 Td (1.03) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 495.15 231.55 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 231.55 Td (1.17) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 231.55 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 220.15 Td (Non-performing loans to total loans, excluding covered loans) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 298.75 220.26 Td (0.49) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.90 220.15 Td (0.55) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 421.90 220.15 Td (0.80) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.90 220.15 Td (1.00) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 220.15 Td (1.14) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 209.15 Td (Number of:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 71.00 198.15 Td (Bank subsidiaries) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 304.00 198.26 Td (15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.15 198.15 Td (15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 427.15 198.15 Td (15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 488.15 198.15 Td (15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 198.15 Td (15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 71.00 187.15 Td (Banking offices) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 300.50 187.26 Td (152) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 362.65 187.15 Td (140) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 187.15 Td (124) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.65 187.15 Td (111) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 187.15 Td (99) Tj ET Q BT /F1 10.00 Tf ET BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 174.40 Td (\(1\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 174.40 Td (Net ) Tj ET Q q 0 0 0 rg BT 93.56 174.40 Td (r) Tj ET Q q 0 0 0 rg BT 96.38 174.40 Td (evenue ) Tj ET Q q 0 0 0 rg BT 120.58 174.40 Td (includes ) Tj ET Q q 0 0 0 rg BT 149.24 174.40 Td (net ) Tj ET Q q 0 0 0 rg BT 161.01 174.40 Td (inter) Tj ET Q q 0 0 0 rg BT 175.82 174.40 Td (est ) Tj ET Q q 0 0 0 rg BT 186.71 174.40 Td (income ) Tj ET Q q 0 0 0 rg BT 211.81 174.40 Td (and ) Tj ET Q q 0 0 0 rg BT 225.81 174.40 Td (non-inter) Tj ET Q q 0 0 0 rg BT 255.29 174.40 Td (est ) Tj ET Q q 0 0 0 rg BT 266.18 174.40 Td (income) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 164.80 Td (\(2\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 164.80 Td (See ) Tj ET Q q 0 0 0 rg BT 93.73 164.80 Td (Item7, ) Tj ET Q q 0 0 0 rg BT 118.13 164.80 Td (Management) Tj ET Q q 0 0 0 rg BT 165.98 164.80 Td (s ) Tj ET Q q 0 0 0 rg BT 171.28 164.80 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 208.57 164.80 Td (and ) Tj ET Q q 0 0 0 rg BT 222.60 164.80 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 251.89 164.80 Td (of ) Tj ET Q q 0 0 0 rg BT 260.29 164.80 Td (Financial ) Tj ET Q q 0 0 0 rg BT 293.58 164.80 Td (Condition ) Tj ET Q q 0 0 0 rg BT 327.77 164.80 Td (and ) Tj ET Q q 0 0 0 rg BT 341.95 164.80 Td (Results ) Tj ET Q q 0 0 0 rg BT 367.24 164.80 Td (of ) Tj ET Q q 0 0 0 rg BT 375.65 164.80 Td (OperationsNon-GAAP) Tj ET Q q 0 0 0 rg BT 455.05 164.80 Td ( ) Tj ET Q q 0 0 0 rg BT 457.24 164.80 Td (Financial ) Tj ET Q q 0 0 0 rg BT 490.52 164.80 Td (Measur) Tj ET Q q 0 0 0 rg BT 514.67 164.80 Td (es/Ratios, ) Tj ET Q q 0 0 0 rg BT 552.63 164.80 Td (for ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 155.20 Td (a ) Tj ET Q q 0 0 0 rg BT 86.45 155.20 Td (r) Tj ET Q q 0 0 0 rg BT 89.27 155.20 Td (econciliation ) Tj ET Q q 0 0 0 rg BT 133.03 155.20 Td (of ) Tj ET Q q 0 0 0 rg BT 141.25 155.20 Td (this ) Tj ET Q q 0 0 0 rg BT 154.81 155.20 Td (performance ) Tj ET Q q 0 0 0 rg BT 197.69 155.20 Td (measur) Tj ET Q q 0 0 0 rg BT 220.95 155.20 Td (e/ratio ) Tj ET Q q 0 0 0 rg BT 244.28 155.20 Td (to ) Tj ET Q q 0 0 0 rg BT 252.50 155.20 Td (GAAP) Tj ET Q q 0 0 0 rg BT 271.91 155.20 Td (.) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 145.60 Td (\(3\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 145.60 Td (The ) Tj ET Q q 0 0 0 rg BT 94.55 145.60 Td (net ) Tj ET Q q 0 0 0 rg BT 106.42 145.60 Td (over) Tj ET Q q 0 0 0 rg BT 120.49 145.60 Td (head ) Tj ET Q q 0 0 0 rg BT 138.15 145.60 Td (ratio ) Tj ET Q q 0 0 0 rg BT 155.81 145.60 Td (is ) Tj ET Q q 0 0 0 rg BT 163.24 145.60 Td (calculated ) Tj ET Q q 0 0 0 rg BT 198.66 145.60 Td (by ) Tj ET Q q 0 0 0 rg BT 208.31 145.60 Td (netting ) Tj ET Q q 0 0 0 rg BT 232.63 145.60 Td (total ) Tj ET Q q 0 0 0 rg BT 249.40 145.60 Td (non-inter) Tj ET Q q 0 0 0 rg BT 278.88 145.60 Td (est ) Tj ET Q q 0 0 0 rg BT 289.87 145.60 Td (expense ) Tj ET Q q 0 0 0 rg BT 317.28 145.60 Td (and ) Tj ET Q q 0 0 0 rg BT 331.38 145.60 Td (total ) Tj ET Q q 0 0 0 rg BT 348.15 145.60 Td (non-inter) Tj ET Q q 0 0 0 rg BT 377.63 145.60 Td (est ) Tj ET Q q 0 0 0 rg BT 388.62 145.60 Td (income, ) Tj ET Q q 0 0 0 rg BT 415.82 145.60 Td (annualizing ) Tj ET Q q 0 0 0 rg BT 455.70 145.60 Td (this ) Tj ET Q q 0 0 0 rg BT 469.36 145.60 Td (amount, ) Tj ET Q q 0 0 0 rg BT 497.46 145.60 Td (and ) Tj ET Q q 0 0 0 rg BT 511.56 145.60 Td (dividing ) Tj ET Q q 0 0 0 rg BT 539.88 145.60 Td (by ) Tj ET Q q 0 0 0 rg BT 549.53 145.60 Td (that ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 136.00 Td (period) Tj ET Q q 0 0 0 rg BT 102.97 136.00 Td (s ) Tj ET Q q 0 0 0 rg BT 108.08 136.00 Td (total ) Tj ET Q q 0 0 0 rg BT 124.75 136.00 Td (average ) Tj ET Q q 0 0 0 rg BT 152.52 136.00 Td (assets. ) Tj ET Q q 0 0 0 rg BT 175.49 136.00 Td (A) Tj ET Q q 0 0 0 rg BT 180.23 136.00 Td ( ) Tj ET Q q 0 0 0 rg BT 182.23 136.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 202.45 136.00 Td (ratio ) Tj ET Q q 0 0 0 rg BT 220.01 136.00 Td (indicates ) Tj ET Q q 0 0 0 rg BT 250.89 136.00 Td (a ) Tj ET Q q 0 0 0 rg BT 256.89 136.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 279.78 136.00 Td (degr) Tj ET Q q 0 0 0 rg BT 294.15 136.00 Td (ee ) Tj ET Q q 0 0 0 rg BT 303.25 136.00 Td (of ) Tj ET Q q 0 0 0 rg BT 311.47 136.00 Td (efficiency) Tj ET Q q 0 0 0 rg BT 341.67 136.00 Td (.) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 126.40 Td (\(4\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 126.40 Td (The ) Tj ET Q q 0 0 0 rg BT 94.95 126.40 Td (efficiency ) Tj ET Q q 0 0 0 rg BT 128.10 126.40 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.16 126.40 Td (is ) Tj ET Q q 0 0 0 rg BT 154.00 126.40 Td (calculated ) Tj ET Q q 0 0 0 rg BT 189.82 126.40 Td (by ) Tj ET Q q 0 0 0 rg BT 199.88 126.40 Td (dividing ) Tj ET Q q 0 0 0 rg BT 228.60 126.40 Td (total ) Tj ET Q q 0 0 0 rg BT 245.77 126.40 Td (non-inter) Tj ET Q q 0 0 0 rg BT 275.25 126.40 Td (est ) Tj ET Q q 0 0 0 rg BT 286.64 126.40 Td (expense ) Tj ET Q q 0 0 0 rg BT 314.46 126.40 Td (by ) Tj ET Q q 0 0 0 rg BT 324.51 126.40 Td (tax-equivalent ) Tj ET Q q 0 0 0 rg BT 372.77 126.40 Td (net ) Tj ET Q q 0 0 0 rg BT 385.05 126.40 Td (r) Tj ET Q q 0 0 0 rg BT 387.86 126.40 Td (evenue ) Tj ET Q q 0 0 0 rg BT 412.57 126.40 Td (\(less ) Tj ET Q q 0 0 0 rg BT 429.74 126.40 Td (securities ) Tj ET Q q 0 0 0 rg BT 462.90 126.40 Td (gains ) Tj ET Q q 0 0 0 rg BT 482.74 126.40 Td (or ) Tj ET Q q 0 0 0 rg BT 492.35 126.40 Td (losses\). ) Tj ET Q q 0 0 0 rg BT 518.45 126.40 Td (A) Tj ET Q q 0 0 0 rg BT 523.20 126.40 Td ( ) Tj ET Q q 0 0 0 rg BT 525.70 126.40 Td (lower ) Tj ET Q q 0 0 0 rg BT 546.42 126.40 Td (ratio ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 116.80 Td (indicates ) Tj ET Q q 0 0 0 rg BT 111.33 116.80 Td (mor) Tj ET Q q 0 0 0 rg BT 123.93 116.80 Td (e ) Tj ET Q q 0 0 0 rg BT 129.48 116.80 Td (efficient ) Tj ET Q q 0 0 0 rg BT 157.24 116.80 Td (r) Tj ET Q q 0 0 0 rg BT 160.06 116.80 Td (evenue ) Tj ET Q q 0 0 0 rg BT 184.26 116.80 Td (generation.) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 107.20 Td (\(5\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 107.20 Td (The ) Tj ET Q q 0 0 0 rg BT 94.39 107.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 129.22 107.20 Td (for ) Tj ET Q q 0 0 0 rg BT 140.50 107.20 Td (cr) Tj ET Q q 0 0 0 rg BT 146.86 107.20 Td (edit ) Tj ET Q q 0 0 0 rg BT 160.80 107.20 Td (losses ) Tj ET Q q 0 0 0 rg BT 181.86 107.20 Td (includes ) Tj ET Q q 0 0 0 rg BT 210.46 107.20 Td (both ) Tj ET Q q 0 0 0 rg BT 226.62 107.20 Td (the ) Tj ET Q q 0 0 0 rg BT 238.34 107.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 273.17 107.20 Td (for ) Tj ET Q q 0 0 0 rg BT 284.44 107.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 300.61 107.20 Td (losses ) Tj ET Q q 0 0 0 rg BT 321.66 107.20 Td (and ) Tj ET Q q 0 0 0 rg BT 335.61 107.20 Td (the ) Tj ET Q q 0 0 0 rg BT 347.32 107.20 Td (allowance ) Tj ET Q q 0 0 0 rg BT 382.15 107.20 Td (for ) Tj ET Q q 0 0 0 rg BT 393.43 107.20 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 425.14 107.20 Td (lending-r) Tj ET Q q 0 0 0 rg BT 454.62 107.20 Td (elated ) Tj ET Q q 0 0 0 rg BT 476.11 107.20 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 522.27 107.20 Td (but ) Tj ET Q q 0 0 0 rg BT 534.43 107.20 Td (excludes ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 97.60 Td (the ) Tj ET Q q 0 0 0 rg BT 92.22 97.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 127.11 97.60 Td (for ) Tj ET Q q 0 0 0 rg BT 138.44 97.60 Td (cover) Tj ET Q q 0 0 0 rg BT 155.91 97.60 Td (ed ) Tj ET Q q 0 0 0 rg BT 165.46 97.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 181.68 97.60 Td (losses.) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 88.00 Td (\(6\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 88.00 Td (T) Tj ET Q q 0 0 0 rg BT 84.16 88.00 Td (otal ) Tj ET Q q 0 0 0 rg BT 98.61 88.00 Td (shar) Tj ET Q q 0 0 0 rg BT 112.54 88.00 Td (eholders) Tj ET Q q 0 0 0 rg BT 141.87 88.00 Td ( ) Tj ET Q q 0 0 0 rg BT 143.87 88.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 165.41 88.00 Td (minus ) Tj ET Q q 0 0 0 rg BT 186.53 88.00 Td (pr) Tj ET Q q 0 0 0 rg BT 193.34 88.00 Td (eferr) Tj ET Q q 0 0 0 rg BT 208.60 88.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 218.15 88.00 Td (stock ) Tj ET Q q 0 0 0 rg BT 236.59 88.00 Td (and ) Tj ET Q q 0 0 0 rg BT 250.59 88.00 Td (total ) Tj ET Q q 0 0 0 rg BT 267.25 88.00 Td (intangible ) Tj ET Q q 0 0 0 rg BT 301.70 88.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 322.81 88.00 Td (divided ) Tj ET Q q 0 0 0 rg BT 348.36 88.00 Td (by ) Tj ET Q q 0 0 0 rg BT 357.91 88.00 Td (total ) Tj ET Q q 0 0 0 rg BT 374.57 88.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 395.69 88.00 Td (minus ) Tj ET Q q 0 0 0 rg BT 416.80 88.00 Td (total ) Tj ET Q q 0 0 0 rg BT 433.47 88.00 Td (intangible ) Tj ET Q q 0 0 0 rg BT 467.91 88.00 Td (assets.) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 78.40 Td (\(7\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 78.40 Td (Asset ) Tj ET Q q 0 0 0 rg BT 99.34 78.40 Td (quality ) Tj ET Q q 0 0 0 rg BT 123.56 78.40 Td (ratios ) Tj ET Q q 0 0 0 rg BT 144.23 78.40 Td (exclude ) Tj ET Q q 0 0 0 rg BT 170.65 78.40 Td (cover) Tj ET Q q 0 0 0 rg BT 188.12 78.40 Td (ed ) Tj ET Q q 0 0 0 rg BT 197.67 78.40 Td (loans.) Tj ET Q endstream endobj 83 0 obj <> endobj 84 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (41) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 739.23 Td (ITEM7.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.00 739.23 Td (MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 109.00 729.23 Td (OPERATIONS) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 704.00 Td (Forwar) Tj ET Q q 0 0 0 rg BT 80.19 704.00 Td (d ) Tj ET Q q 0 0 0 rg BT 87.69 704.00 Td (Looking ) Tj ET Q q 0 0 0 rg BT 122.97 704.00 Td (Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 683.00 Td (This ) Tj ET Q q 0 0 0 rg BT 70.23 683.00 Td (document ) Tj ET Q q 0 0 0 rg BT 112.11 683.00 Td (contains ) Tj ET Q q 0 0 0 rg BT 147.89 683.00 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 215.88 683.00 Td (statements ) Tj ET Q q 0 0 0 rg BT 260.54 683.00 Td (within ) Tj ET Q q 0 0 0 rg BT 288.54 683.00 Td (the ) Tj ET Q q 0 0 0 rg BT 303.21 683.00 Td (meaning ) Tj ET Q q 0 0 0 rg BT 340.09 683.00 Td (of ) Tj ET Q q 0 0 0 rg BT 350.88 683.00 Td (federal ) Tj ET Q q 0 0 0 rg BT 381.08 683.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 421.29 683.00 Td (laws. ) Tj ET Q q 0 0 0 rg BT 444.57 683.00 Td (Forward-looking ) Tj ET Q q 0 0 0 rg BT 514.79 683.00 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 671.00 Td (can ) Tj ET Q q 0 0 0 rg BT 67.47 671.00 Td (be ) Tj ET Q q 0 0 0 rg BT 80.51 671.00 Td (identified ) Tj ET Q q 0 0 0 rg BT 122.42 671.00 Td (through ) Tj ET Q q 0 0 0 rg BT 157.13 671.00 Td (the ) Tj ET Q q 0 0 0 rg BT 172.94 671.00 Td (use ) Tj ET Q q 0 0 0 rg BT 189.86 671.00 Td (of ) Tj ET Q q 0 0 0 rg BT 201.79 671.00 Td (words ) Tj ET Q q 0 0 0 rg BT 229.83 671.00 Td (such ) Tj ET Q q 0 0 0 rg BT 251.75 671.00 Td (as ) Tj ET Q q 0 0 0 rg BT 263.68 671.00 Td (intend, ) Tj ET Q q 0 0 0 rg BT 303.64 671.00 Td (plan, ) Tj ET Q q 0 0 0 rg BT 335.83 671.00 Td (project, ) Tj ET Q q 0 0 0 rg BT 378.57 671.00 Td (expect, ) Tj ET Q q 0 0 0 rg BT 419.63 671.00 Td (anticipate, ) Tj ET Q q 0 0 0 rg BT 473.47 671.00 Td (believe, ) Tj ET Q q 0 0 0 rg BT 517.32 671.00 Td (estimate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 659.00 Td (contemplate, ) Tj ET Q q 0 0 0 rg BT 113.02 659.00 Td (possible, ) Tj ET Q q 0 0 0 rg BT 159.96 659.00 Td (will, ) Tj ET Q q 0 0 0 rg BT 189.68 659.00 Td (may) Tj ET Q q 0 0 0 rg BT 210.68 659.00 Td (, ) Tj ET Q q 0 0 0 rg BT 220.40 659.00 Td (should, ) Tj ET Q q 0 0 0 rg BT 261.23 659.00 Td (would ) Tj ET Q q 0 0 0 rg BT 297.89 659.00 Td (and ) Tj ET Q q 0 0 0 rg BT 315.10 659.00 Td (could. ) Tj ET Q q 0 0 0 rg BT 351.48 659.00 Td (Forward-looking ) Tj ET Q q 0 0 0 rg BT 422.03 659.00 Td (statements ) Tj ET Q q 0 0 0 rg BT 467.02 659.00 Td (and ) Tj ET Q q 0 0 0 rg BT 484.24 659.00 Td (information ) Tj ET Q q 0 0 0 rg BT 534.23 659.00 Td (are ) Tj ET Q q 0 0 0 rg BT 549.22 659.00 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 647.00 Td (historical ) Tj ET Q q 0 0 0 rg BT 90.41 647.00 Td (facts, ) Tj ET Q q 0 0 0 rg BT 114.99 647.00 Td (are ) Tj ET Q q 0 0 0 rg BT 130.40 647.00 Td (premised ) Tj ET Q q 0 0 0 rg BT 170.25 647.00 Td (on ) Tj ET Q q 0 0 0 rg BT 183.45 647.00 Td (many ) Tj ET Q q 0 0 0 rg BT 208.87 647.00 Td (factors ) Tj ET Q q 0 0 0 rg BT 239.27 647.00 Td (and ) Tj ET Q q 0 0 0 rg BT 256.91 647.00 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 312.06 647.00 Td (and ) Tj ET Q q 0 0 0 rg BT 329.70 647.00 Td (represent ) Tj ET Q q 0 0 0 rg BT 369.54 647.00 Td (only ) Tj ET Q q 0 0 0 rg BT 390.52 647.00 Td (management) Tj ET Q q 0 0 0 rg BT 444.39 647.00 Td (s ) Tj ET Q q 0 0 0 rg BT 451.48 647.00 Td (expectations, ) Tj ET Q q 0 0 0 rg BT 507.16 647.00 Td (estimates ) Tj ET Q q 0 0 0 rg BT 547.57 647.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 635.00 Td (projections ) Tj ET Q q 0 0 0 rg BT 96.59 635.00 Td (regarding ) Tj ET Q q 0 0 0 rg BT 137.06 635.00 Td (future ) Tj ET Q q 0 0 0 rg BT 163.10 635.00 Td (events. ) Tj ET Q q 0 0 0 rg BT 193.30 635.00 Td (Similarly) Tj ET Q q 0 0 0 rg BT 229.87 635.00 Td (, ) Tj ET Q q 0 0 0 rg BT 234.53 635.00 Td (these ) Tj ET Q q 0 0 0 rg BT 257.24 635.00 Td (statements ) Tj ET Q q 0 0 0 rg BT 301.60 635.00 Td (are ) Tj ET Q q 0 0 0 rg BT 315.97 635.00 Td (not ) Tj ET Q q 0 0 0 rg BT 330.90 635.00 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 375.82 635.00 Td (of ) Tj ET Q q 0 0 0 rg BT 386.30 635.00 Td (future ) Tj ET Q q 0 0 0 rg BT 412.34 635.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 465.02 635.00 Td (and ) Tj ET Q q 0 0 0 rg BT 481.61 635.00 Td (involve ) Tj ET Q q 0 0 0 rg BT 513.76 635.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 543.12 635.00 Td (risks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 623.00 Td (and ) Tj ET Q q 0 0 0 rg BT 67.18 623.00 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 121.01 623.00 Td (that ) Tj ET Q q 0 0 0 rg BT 138.75 623.00 Td (are ) Tj ET Q q 0 0 0 rg BT 153.70 623.00 Td (dif) Tj ET Q q 0 0 0 rg BT 164.63 623.00 Td (ficult ) Tj ET Q q 0 0 0 rg BT 188.48 623.00 Td (to ) Tj ET Q q 0 0 0 rg BT 199.00 623.00 Td (predict, ) Tj ET Q q 0 0 0 rg BT 232.00 623.00 Td (which ) Tj ET Q q 0 0 0 rg BT 259.19 623.00 Td (may ) Tj ET Q q 0 0 0 rg BT 279.15 623.00 Td (include, ) Tj ET Q q 0 0 0 rg BT 313.82 623.00 Td (but ) Tj ET Q q 0 0 0 rg BT 329.34 623.00 Td (are ) Tj ET Q q 0 0 0 rg BT 344.29 623.00 Td (not ) Tj ET Q q 0 0 0 rg BT 359.82 623.00 Td (limited ) Tj ET Q q 0 0 0 rg BT 390.89 623.00 Td (to, ) Tj ET Q q 0 0 0 rg BT 403.91 623.00 Td (those ) Tj ET Q q 0 0 0 rg BT 427.76 623.00 Td (listed ) Tj ET Q q 0 0 0 rg BT 452.17 623.00 Td (below ) Tj ET Q q 0 0 0 rg BT 479.35 623.00 Td (and ) Tj ET Q q 0 0 0 rg BT 496.53 623.00 Td (the ) Tj ET Q q 0 0 0 rg BT 511.49 623.00 Td (Risk ) Tj ET Q q 0 0 0 rg BT 532.58 623.00 Td (Factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 609.80 Td (discussed ) Tj ET Q q 0 0 0 rg BT 90.89 609.80 Td (under ) Tj ET Q q 0 0 0 rg BT 116.22 609.80 Td (Item1A) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 149.27 609.80 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.08 609.80 Td (on ) Tj ET Q q 0 0 0 rg BT 164.64 609.80 Td (page ) Tj ET Q q 0 0 0 rg BT 186.08 609.80 Td (22 ) Tj ET Q q 0 0 0 rg BT 198.64 609.80 Td (of ) Tj ET Q q 0 0 0 rg BT 209.53 609.80 Td (this ) Tj ET Q q 0 0 0 rg BT 225.97 609.80 Td (Annual ) Tj ET Q q 0 0 0 rg BT 257.97 609.80 Td (Report ) Tj ET Q q 0 0 0 rg BT 287.75 609.80 Td (on ) Tj ET Q q 0 0 0 rg BT 300.31 609.80 Td (Form ) Tj ET Q q 0 0 0 rg BT 324.54 609.80 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 350.15 609.80 Td (as ) Tj ET Q q 0 0 0 rg BT 361.04 609.80 Td (well ) Tj ET Q q 0 0 0 rg BT 380.82 609.80 Td (as ) Tj ET Q q 0 0 0 rg BT 391.71 609.80 Td (other ) Tj ET Q q 0 0 0 rg BT 414.81 609.80 Td (risks ) Tj ET Q q 0 0 0 rg BT 436.26 609.80 Td (and ) Tj ET Q q 0 0 0 rg BT 453.26 609.80 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 506.91 609.80 Td (set ) Tj ET Q q 0 0 0 rg BT 520.58 609.80 Td (forth ) Tj ET Q q 0 0 0 rg BT 542.58 609.80 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 597.80 Td (time ) Tj ET Q q 0 0 0 rg BT 70.31 597.80 Td (to ) Tj ET Q q 0 0 0 rg BT 80.62 597.80 Td (time ) Tj ET Q q 0 0 0 rg BT 100.92 597.80 Td (in ) Tj ET Q q 0 0 0 rg BT 111.23 597.80 Td (the ) Tj ET Q q 0 0 0 rg BT 125.98 597.80 Td (Company) Tj ET Q q 0 0 0 rg BT 167.64 597.80 Td (s ) Tj ET Q q 0 0 0 rg BT 174.07 597.80 Td (other ) Tj ET Q q 0 0 0 rg BT 197.15 597.80 Td (filings ) Tj ET Q q 0 0 0 rg BT 225.23 597.80 Td (with ) Tj ET Q q 0 0 0 rg BT 245.54 597.80 Td (the ) Tj ET Q q 0 0 0 rg BT 260.29 597.80 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 283.48 597.80 Td (The ) Tj ET Q q 0 0 0 rg BT 301.56 597.80 Td (Company ) Tj ET Q q 0 0 0 rg BT 342.98 597.80 Td (intends ) Tj ET Q q 0 0 0 rg BT 374.40 597.80 Td (such ) Tj ET Q q 0 0 0 rg BT 395.26 597.80 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 463.33 597.80 Td (statements ) Tj ET Q q 0 0 0 rg BT 508.07 597.80 Td (to ) Tj ET Q q 0 0 0 rg BT 518.38 597.80 Td (be ) Tj ET Q q 0 0 0 rg BT 530.35 597.80 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 585.80 Td (by ) Tj ET Q q 0 0 0 rg BT 62.66 585.80 Td (the ) Tj ET Q q 0 0 0 rg BT 77.54 585.80 Td (safe ) Tj ET Q q 0 0 0 rg BT 96.30 585.80 Td (harbor ) Tj ET Q q 0 0 0 rg BT 125.05 585.80 Td (provisions ) Tj ET Q q 0 0 0 rg BT 169.38 585.80 Td (for ) Tj ET Q q 0 0 0 rg BT 183.71 585.80 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 251.90 585.80 Td (statements ) Tj ET Q q 0 0 0 rg BT 296.77 585.80 Td (contained ) Tj ET Q q 0 0 0 rg BT 338.31 585.80 Td (in ) Tj ET Q q 0 0 0 rg BT 348.75 585.80 Td (the ) Tj ET Q q 0 0 0 rg BT 363.62 585.80 Td (Private ) Tj ET Q q 0 0 0 rg BT 394.61 585.80 Td (Securities ) Tj ET Q q 0 0 0 rg BT 436.70 585.80 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 478.80 585.80 Td (Reform ) Tj ET Q q 0 0 0 rg BT 511.42 585.80 Td (Act ) Tj ET Q q 0 0 0 rg BT 528.52 585.80 Td (of ) Tj ET Q q 0 0 0 rg BT 539.51 585.80 Td (1995, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 573.80 Td (and ) Tj ET Q q 0 0 0 rg BT 67.26 573.80 Td (is ) Tj ET Q q 0 0 0 rg BT 76.75 573.80 Td (including ) Tj ET Q q 0 0 0 rg BT 117.34 573.80 Td (this ) Tj ET Q q 0 0 0 rg BT 134.61 573.80 Td (statement ) Tj ET Q q 0 0 0 rg BT 175.75 573.80 Td (for ) Tj ET Q q 0 0 0 rg BT 190.23 573.80 Td (purposes ) Tj ET Q q 0 0 0 rg BT 228.60 573.80 Td (of ) Tj ET Q q 0 0 0 rg BT 239.75 573.80 Td (invoking ) Tj ET Q q 0 0 0 rg BT 278.13 573.80 Td (these ) Tj ET Q q 0 0 0 rg BT 301.49 573.80 Td (safe ) Tj ET Q q 0 0 0 rg BT 320.41 573.80 Td (harbor ) Tj ET Q q 0 0 0 rg BT 349.33 573.80 Td (provisions. ) Tj ET Q q 0 0 0 rg BT 396.32 573.80 Td (Such ) Tj ET Q q 0 0 0 rg BT 419.14 573.80 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 487.50 573.80 Td (statements ) Tj ET Q q 0 0 0 rg BT 532.53 573.80 Td (may ) Tj ET Q q 0 0 0 rg BT 552.57 573.80 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 561.80 Td (deemed ) Tj ET Q q 0 0 0 rg BT 83.92 561.80 Td (to ) Tj ET Q q 0 0 0 rg BT 94.53 561.80 Td (include, ) Tj ET Q q 0 0 0 rg BT 129.29 561.80 Td (among ) Tj ET Q q 0 0 0 rg BT 159.33 561.80 Td (other ) Tj ET Q q 0 0 0 rg BT 182.71 561.80 Td (things, ) Tj ET Q q 0 0 0 rg BT 212.48 561.80 Td (statements ) Tj ET Q q 0 0 0 rg BT 257.52 561.80 Td (relating ) Tj ET Q q 0 0 0 rg BT 290.89 561.80 Td (to ) Tj ET Q q 0 0 0 rg BT 301.49 561.80 Td (the ) Tj ET Q q 0 0 0 rg BT 316.54 561.80 Td (Company) Tj ET Q q 0 0 0 rg BT 358.20 561.80 Td (s ) Tj ET Q q 0 0 0 rg BT 364.92 561.80 Td (future ) Tj ET Q q 0 0 0 rg BT 391.63 561.80 Td (financial ) Tj ET Q q 0 0 0 rg BT 429.43 561.80 Td (performance, ) Tj ET Q q 0 0 0 rg BT 485.28 561.80 Td (the ) Tj ET Q q 0 0 0 rg BT 500.33 561.80 Td (performance ) Tj ET Q q 0 0 0 rg BT 553.68 561.80 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.80 Td (its ) Tj ET Q q 0 0 0 rg BT 62.66 549.80 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.09 549.80 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 123.80 549.80 Td (the ) Tj ET Q q 0 0 0 rg BT 139.23 549.80 Td (expected ) Tj ET Q q 0 0 0 rg BT 177.98 549.80 Td (amount ) Tj ET Q q 0 0 0 rg BT 211.19 549.80 Td (of ) Tj ET Q q 0 0 0 rg BT 222.73 549.80 Td (future ) Tj ET Q q 0 0 0 rg BT 249.83 549.80 Td (credit ) Tj ET Q q 0 0 0 rg BT 275.80 549.80 Td (reserves ) Tj ET Q q 0 0 0 rg BT 311.78 549.80 Td (and ) Tj ET Q q 0 0 0 rg BT 329.43 549.80 Td (char) Tj ET Q q 0 0 0 rg BT 346.46 549.80 Td (ge-of) Tj ET Q q 0 0 0 rg BT 367.37 549.80 Td (fs, ) Tj ET Q q 0 0 0 rg BT 380.31 549.80 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 432.40 549.80 Td (trends, ) Tj ET Q q 0 0 0 rg BT 462.55 549.80 Td (growth ) Tj ET Q q 0 0 0 rg BT 494.09 549.80 Td (plans, ) Tj ET Q q 0 0 0 rg BT 520.92 549.80 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 537.80 Td (developments, ) Tj ET Q q 0 0 0 rg BT 110.22 537.80 Td (securities ) Tj ET Q q 0 0 0 rg BT 150.17 537.80 Td (that ) Tj ET Q q 0 0 0 rg BT 167.34 537.80 Td (the ) Tj ET Q q 0 0 0 rg BT 181.74 537.80 Td (Company ) Tj ET Q q 0 0 0 rg BT 222.81 537.80 Td (may ) Tj ET Q q 0 0 0 rg BT 242.20 537.80 Td (of) Tj ET Q q 0 0 0 rg BT 250.35 537.80 Td (fer ) Tj ET Q q 0 0 0 rg BT 263.63 537.80 Td (from ) Tj ET Q q 0 0 0 rg BT 285.25 537.80 Td (time ) Tj ET Q q 0 0 0 rg BT 305.20 537.80 Td (to ) Tj ET Q q 0 0 0 rg BT 315.16 537.80 Td (time, ) Tj ET Q q 0 0 0 rg BT 337.61 537.80 Td (and ) Tj ET Q q 0 0 0 rg BT 354.23 537.80 Td (management) Tj ET Q q 0 0 0 rg BT 408.10 537.80 Td (s ) Tj ET Q q 0 0 0 rg BT 414.17 537.80 Td (long-term ) Tj ET Q q 0 0 0 rg BT 455.79 537.80 Td (performance ) Tj ET Q q 0 0 0 rg BT 508.49 537.80 Td (goals, ) Tj ET Q q 0 0 0 rg BT 534.28 537.80 Td (as ) Tj ET Q q 0 0 0 rg BT 544.79 537.80 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 525.80 Td (as ) Tj ET Q q 0 0 0 rg BT 61.18 525.80 Td (statements ) Tj ET Q q 0 0 0 rg BT 106.24 525.80 Td (relating ) Tj ET Q q 0 0 0 rg BT 139.64 525.80 Td (to ) Tj ET Q q 0 0 0 rg BT 150.26 525.80 Td (the ) Tj ET Q q 0 0 0 rg BT 165.33 525.80 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 212.05 525.80 Td (ef) Tj ET Q q 0 0 0 rg BT 219.64 525.80 Td (fects ) Tj ET Q q 0 0 0 rg BT 241.37 525.80 Td (on ) Tj ET Q q 0 0 0 rg BT 254.22 525.80 Td (financial ) Tj ET Q q 0 0 0 rg BT 292.05 525.80 Td (condition ) Tj ET Q q 0 0 0 rg BT 332.67 525.80 Td (and ) Tj ET Q q 0 0 0 rg BT 349.96 525.80 Td (results ) Tj ET Q q 0 0 0 rg BT 378.92 525.80 Td (of ) Tj ET Q q 0 0 0 rg BT 390.10 525.80 Td (operations ) Tj ET Q q 0 0 0 rg BT 434.61 525.80 Td (from ) Tj ET Q q 0 0 0 rg BT 456.89 525.80 Td (expected ) Tj ET Q q 0 0 0 rg BT 495.28 525.80 Td (developments ) Tj ET Q q 0 0 0 rg BT 553.67 525.80 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.60 Td (events, ) Tj ET Q q 0 0 0 rg BT 82.38 512.60 Td (the ) Tj ET Q q 0 0 0 rg BT 98.92 512.60 Td (Company) Tj ET Q q 0 0 0 rg BT 140.59 512.60 Td (s ) Tj ET Q q 0 0 0 rg BT 148.81 512.60 Td (business ) Tj ET Q q 0 0 0 rg BT 187.03 512.60 Td (and ) Tj ET Q q 0 0 0 rg BT 205.80 512.60 Td (growth ) Tj ET Q q 0 0 0 rg BT 238.46 512.60 Td (strategies, ) Tj ET Q q 0 0 0 rg BT 283.05 512.60 Td (including) Tj ET Q BT /F1 11.00 Tf ET q 0 0 0 rg BT 320.83 512.60 Td ( ) Tj ET Q q 0 0 0 rg BT 325.59 512.60 Td (f) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.25 512.60 Td (uture ) Tj ET Q q 0 0 0 rg BT 354.13 512.60 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 406.23 512.60 Td (of ) Tj ET Q q 0 0 0 rg BT 418.90 512.60 Td (banks, ) Tj ET Q q 0 0 0 rg BT 449.06 512.60 Td (specialty ) Tj ET Q q 0 0 0 rg BT 488.93 512.60 Td (finance ) Tj ET Q q 0 0 0 rg BT 522.68 512.60 Td (or ) Tj ET Q q 0 0 0 rg BT 535.34 512.60 Td (wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.60 Td (management ) Tj ET Q q 0 0 0 rg BT 103.32 500.60 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 150.28 500.60 Td (internal ) Tj ET Q q 0 0 0 rg BT 183.06 500.60 Td (growth ) Tj ET Q q 0 0 0 rg BT 213.62 500.60 Td (and ) Tj ET Q q 0 0 0 rg BT 230.30 500.60 Td (plans ) Tj ET Q q 0 0 0 rg BT 253.64 500.60 Td (to ) Tj ET Q q 0 0 0 rg BT 263.66 500.60 Td (form ) Tj ET Q q 0 0 0 rg BT 285.33 500.60 Td (additional ) Tj ET Q q 0 0 0 rg BT 327.55 500.60 Td (de ) Tj ET Q q 0 0 0 rg BT 339.23 500.60 Td (novo ) Tj ET Q q 0 0 0 rg BT 361.46 500.60 Td (banks ) Tj ET Q q 0 0 0 rg BT 387.03 500.60 Td (or ) Tj ET Q q 0 0 0 rg BT 397.59 500.60 Td (branch ) Tj ET Q q 0 0 0 rg BT 427.04 500.60 Td (of) Tj ET Q q 0 0 0 rg BT 435.19 500.60 Td (fices. ) Tj ET Q q 0 0 0 rg BT 458.31 500.60 Td (Actual ) Tj ET Q q 0 0 0 rg BT 487.20 500.60 Td (results ) Tj ET Q q 0 0 0 rg BT 515.54 500.60 Td (could ) Tj ET Q q 0 0 0 rg BT 539.99 500.60 Td (dif) Tj ET Q q 0 0 0 rg BT 550.92 500.60 Td (fer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.60 Td (materially ) Tj ET Q q 0 0 0 rg BT 93.04 488.60 Td (from ) Tj ET Q q 0 0 0 rg BT 114.98 488.60 Td (those ) Tj ET Q q 0 0 0 rg BT 138.58 488.60 Td (addressed ) Tj ET Q q 0 0 0 rg BT 180.51 488.60 Td (in ) Tj ET Q q 0 0 0 rg BT 190.79 488.60 Td (the ) Tj ET Q q 0 0 0 rg BT 205.51 488.60 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 273.54 488.60 Td (statements ) Tj ET Q q 0 0 0 rg BT 318.26 488.60 Td (as ) Tj ET Q q 0 0 0 rg BT 329.09 488.60 Td (a ) Tj ET Q q 0 0 0 rg BT 336.03 488.60 Td (result ) Tj ET Q q 0 0 0 rg BT 360.74 488.60 Td (of ) Tj ET Q q 0 0 0 rg BT 371.57 488.60 Td (numerous ) Tj ET Q q 0 0 0 rg BT 413.51 488.60 Td (factors, ) Tj ET Q q 0 0 0 rg BT 445.72 488.60 Td (including ) Tj ET Q q 0 0 0 rg BT 485.99 488.60 Td (the ) Tj ET Q q 0 0 0 rg BT 500.71 488.60 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 455.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 455.60 Td (negative ) Tj ET Q q 0 0 0 rg BT 106.75 455.60 Td (economic ) Tj ET Q q 0 0 0 rg BT 148.30 455.60 Td (conditions ) Tj ET Q q 0 0 0 rg BT 192.64 455.60 Td (that ) Tj ET Q q 0 0 0 rg BT 210.32 455.60 Td (adversely ) Tj ET Q q 0 0 0 rg BT 251.31 455.60 Td (af) Tj ET Q q 0 0 0 rg BT 258.90 455.60 Td (fect ) Tj ET Q q 0 0 0 rg BT 276.56 455.60 Td (the ) Tj ET Q q 0 0 0 rg BT 291.46 455.60 Td (economy) Tj ET Q q 0 0 0 rg BT 327.46 455.60 Td (, ) Tj ET Q q 0 0 0 rg BT 332.64 455.60 Td (housing ) Tj ET Q q 0 0 0 rg BT 366.99 455.60 Td (prices, ) Tj ET Q q 0 0 0 rg BT 396.04 455.60 Td (the ) Tj ET Q q 0 0 0 rg BT 410.94 455.60 Td (job ) Tj ET Q q 0 0 0 rg BT 426.40 455.60 Td (market ) Tj ET Q q 0 0 0 rg BT 456.84 455.60 Td (and ) Tj ET Q q 0 0 0 rg BT 473.95 455.60 Td (other ) Tj ET Q q 0 0 0 rg BT 497.18 455.60 Td (factors ) Tj ET Q q 0 0 0 rg BT 527.07 455.60 Td (that ) Tj ET Q q 0 0 0 rg BT 544.74 455.60 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 443.60 Td (af) Tj ET Q q 0 0 0 rg BT 77.79 443.60 Td (fect ) Tj ET Q q 0 0 0 rg BT 95.27 443.60 Td (the ) Tj ET Q q 0 0 0 rg BT 109.99 443.60 Td (Company) Tj ET Q q 0 0 0 rg BT 151.66 443.60 Td (s ) Tj ET Q q 0 0 0 rg BT 158.05 443.60 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 194.44 443.60 Td (and ) Tj ET Q q 0 0 0 rg BT 211.38 443.60 Td (the ) Tj ET Q q 0 0 0 rg BT 226.09 443.60 Td (performance ) Tj ET Q q 0 0 0 rg BT 279.12 443.60 Td (of ) Tj ET Q q 0 0 0 rg BT 289.95 443.60 Td (its ) Tj ET Q q 0 0 0 rg BT 301.89 443.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 321.61 443.60 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 365.50 443.60 Td (particularly ) Tj ET Q q 0 0 0 rg BT 414.09 443.60 Td (in ) Tj ET Q q 0 0 0 rg BT 424.37 443.60 Td (the ) Tj ET Q q 0 0 0 rg BT 439.08 443.60 Td (markets ) Tj ET Q q 0 0 0 rg BT 473.24 443.60 Td (in ) Tj ET Q q 0 0 0 rg BT 483.52 443.60 Td (which ) Tj ET Q q 0 0 0 rg BT 510.45 443.60 Td (it ) Tj ET Q q 0 0 0 rg BT 518.51 443.60 Td (operates;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 431.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 431.60 Td (the ) Tj ET Q q 0 0 0 rg BT 85.10 431.60 Td (extent ) Tj ET Q q 0 0 0 rg BT 112.23 431.60 Td (of ) Tj ET Q q 0 0 0 rg BT 123.24 431.60 Td (defaults ) Tj ET Q q 0 0 0 rg BT 157.59 431.60 Td (and ) Tj ET Q q 0 0 0 rg BT 174.71 431.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 201.29 431.60 Td (on ) Tj ET Q q 0 0 0 rg BT 213.98 431.60 Td (the ) Tj ET Q q 0 0 0 rg BT 228.89 431.60 Td (Company) Tj ET Q q 0 0 0 rg BT 270.55 431.60 Td (s ) Tj ET Q q 0 0 0 rg BT 277.13 431.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 297.04 431.60 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 337.22 431.60 Td (which ) Tj ET Q q 0 0 0 rg BT 364.35 431.60 Td (may ) Tj ET Q q 0 0 0 rg BT 384.25 431.60 Td (require ) Tj ET Q q 0 0 0 rg BT 415.25 431.60 Td (further ) Tj ET Q q 0 0 0 rg BT 445.15 431.60 Td (increases ) Tj ET Q q 0 0 0 rg BT 484.48 431.60 Td (in ) Tj ET Q q 0 0 0 rg BT 494.95 431.60 Td (its ) Tj ET Q q 0 0 0 rg BT 507.08 431.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 550.30 431.60 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 419.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 95.46 419.60 Td (losses;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 407.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 407.60 Td (estimates ) Tj ET Q q 0 0 0 rg BT 110.62 407.60 Td (of ) Tj ET Q q 0 0 0 rg BT 122.16 407.60 Td (fair ) Tj ET Q q 0 0 0 rg BT 139.24 407.60 Td (value ) Tj ET Q q 0 0 0 rg BT 164.11 407.60 Td (of ) Tj ET Q q 0 0 0 rg BT 175.64 407.60 Td (certain ) Tj ET Q q 0 0 0 rg BT 206.05 407.60 Td (of ) Tj ET Q q 0 0 0 rg BT 217.59 407.60 Td (the ) Tj ET Q q 0 0 0 rg BT 233.02 407.60 Td (Company) Tj ET Q q 0 0 0 rg BT 274.68 407.60 Td (s ) Tj ET Q q 0 0 0 rg BT 281.78 407.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 308.32 407.60 Td (and ) Tj ET Q q 0 0 0 rg BT 325.97 407.60 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 368.89 407.60 Td (which ) Tj ET Q q 0 0 0 rg BT 396.54 407.60 Td (could ) Tj ET Q q 0 0 0 rg BT 421.96 407.60 Td (change ) Tj ET Q q 0 0 0 rg BT 453.49 407.60 Td (in ) Tj ET Q q 0 0 0 rg BT 464.47 407.60 Td (value ) Tj ET Q q 0 0 0 rg BT 489.34 407.60 Td (significantly ) Tj ET Q q 0 0 0 rg BT 542.53 407.60 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 395.60 Td (period ) Tj ET Q q 0 0 0 rg BT 98.25 395.60 Td (to ) Tj ET Q q 0 0 0 rg BT 108.53 395.60 Td (period;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 383.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 383.60 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 383.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 122.40 383.60 Td (success ) Tj ET Q q 0 0 0 rg BT 154.89 383.60 Td (and ) Tj ET Q q 0 0 0 rg BT 171.83 383.60 Td (economic ) Tj ET Q q 0 0 0 rg BT 213.20 383.60 Td (viability ) Tj ET Q q 0 0 0 rg BT 249.03 383.60 Td (of ) Tj ET Q q 0 0 0 rg BT 259.86 383.60 Td (the ) Tj ET Q q 0 0 0 rg BT 274.57 383.60 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 317.62 383.60 Td (of ) Tj ET Q q 0 0 0 rg BT 328.45 383.60 Td (our ) Tj ET Q q 0 0 0 rg BT 344.28 383.60 Td (commercial ) Tj ET Q q 0 0 0 rg BT 393.97 383.60 Td (loans;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 371.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 371.60 Td (commercial ) Tj ET Q q 0 0 0 rg BT 119.90 371.60 Td (real ) Tj ET Q q 0 0 0 rg BT 137.38 371.60 Td (estate ) Tj ET Q q 0 0 0 rg BT 162.65 371.60 Td (market ) Tj ET Q q 0 0 0 rg BT 192.91 371.60 Td (conditions ) Tj ET Q q 0 0 0 rg BT 237.07 371.60 Td (in ) Tj ET Q q 0 0 0 rg BT 247.35 371.60 Td (the ) Tj ET Q q 0 0 0 rg BT 262.07 371.60 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 297.90 371.60 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 351.49 371.60 Td (area ) Tj ET Q q 0 0 0 rg BT 370.64 371.60 Td (and ) Tj ET Q q 0 0 0 rg BT 387.58 371.60 Td (southern ) Tj ET Q q 0 0 0 rg BT 424.34 371.60 Td (W) Tj ET Q q 0 0 0 rg BT 433.37 371.60 Td (isconsin;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 359.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 359.60 Td (the ) Tj ET Q q 0 0 0 rg BT 84.58 359.60 Td (extent ) Tj ET Q q 0 0 0 rg BT 111.17 359.60 Td (of ) Tj ET Q q 0 0 0 rg BT 121.66 359.60 Td (commercial ) Tj ET Q q 0 0 0 rg BT 171.01 359.60 Td (and ) Tj ET Q q 0 0 0 rg BT 187.61 359.60 Td (consumer ) Tj ET Q q 0 0 0 rg BT 228.64 359.60 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 285.78 359.60 Td (and ) Tj ET Q q 0 0 0 rg BT 302.38 359.60 Td (declines ) Tj ET Q q 0 0 0 rg BT 337.30 359.60 Td (in ) Tj ET Q q 0 0 0 rg BT 347.24 359.60 Td (real ) Tj ET Q q 0 0 0 rg BT 364.38 359.60 Td (estate ) Tj ET Q q 0 0 0 rg BT 389.30 359.60 Td (values, ) Tj ET Q q 0 0 0 rg BT 419.51 359.60 Td (which ) Tj ET Q q 0 0 0 rg BT 446.10 359.60 Td (may ) Tj ET Q q 0 0 0 rg BT 465.48 359.60 Td (require ) Tj ET Q q 0 0 0 rg BT 495.95 359.60 Td (further ) Tj ET Q q 0 0 0 rg BT 525.32 359.60 Td (increases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 347.60 Td (in ) Tj ET Q q 0 0 0 rg BT 80.48 347.60 Td (the ) Tj ET Q q 0 0 0 rg BT 95.20 347.60 Td (Company) Tj ET Q q 0 0 0 rg BT 136.86 347.60 Td (s ) Tj ET Q q 0 0 0 rg BT 143.25 347.60 Td (allowance ) Tj ET Q q 0 0 0 rg BT 186.28 347.60 Td (for ) Tj ET Q q 0 0 0 rg BT 200.44 347.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 220.16 347.60 Td (and ) Tj ET Q q 0 0 0 rg BT 237.10 347.60 Td (lease ) Tj ET Q q 0 0 0 rg BT 259.58 347.60 Td (losses;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 335.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 335.60 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 113.78 335.60 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 165.73 335.60 Td (in ) Tj ET Q q 0 0 0 rg BT 176.01 335.60 Td (our ) Tj ET Q q 0 0 0 rg BT 191.84 335.60 Td (analytical ) Tj ET Q q 0 0 0 rg BT 233.20 335.60 Td (and ) Tj ET Q q 0 0 0 rg BT 250.14 335.60 Td (forecasting ) Tj ET Q q 0 0 0 rg BT 297.07 335.60 Td (models ) Tj ET Q q 0 0 0 rg BT 328.45 335.60 Td (used ) Tj ET Q q 0 0 0 rg BT 349.28 335.60 Td (to ) Tj ET Q q 0 0 0 rg BT 359.56 335.60 Td (manage ) Tj ET Q q 0 0 0 rg BT 393.15 335.60 Td (our ) Tj ET Q q 0 0 0 rg BT 408.98 335.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 428.70 335.60 Td (portfolio;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 323.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 323.60 Td (changes ) Tj ET Q q 0 0 0 rg BT 104.60 323.60 Td (in ) Tj ET Q q 0 0 0 rg BT 114.57 323.60 Td (the ) Tj ET Q q 0 0 0 rg BT 128.97 323.60 Td (level ) Tj ET Q q 0 0 0 rg BT 150.60 323.60 Td (and ) Tj ET Q q 0 0 0 rg BT 167.22 323.60 Td (volatility ) Tj ET Q q 0 0 0 rg BT 205.52 323.60 Td (of ) Tj ET Q q 0 0 0 rg BT 216.04 323.60 Td (interest ) Tj ET Q q 0 0 0 rg BT 247.67 323.60 Td (rates, ) Tj ET Q q 0 0 0 rg BT 271.23 323.60 Td (the ) Tj ET Q q 0 0 0 rg BT 285.64 323.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 314.48 323.60 Td (markets ) Tj ET Q q 0 0 0 rg BT 348.32 323.60 Td (and ) Tj ET Q q 0 0 0 rg BT 364.95 323.60 Td (other ) Tj ET Q q 0 0 0 rg BT 387.69 323.60 Td (market ) Tj ET Q q 0 0 0 rg BT 417.64 323.60 Td (indices ) Tj ET Q q 0 0 0 rg BT 448.16 323.60 Td (that ) Tj ET Q q 0 0 0 rg BT 465.34 323.60 Td (may ) Tj ET Q q 0 0 0 rg BT 484.75 323.60 Td (af) Tj ET Q q 0 0 0 rg BT 492.34 323.60 Td (fect, ) Tj ET Q q 0 0 0 rg BT 512.01 323.60 Td (among ) Tj ET Q q 0 0 0 rg BT 541.42 323.60 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 311.60 Td (things, ) Tj ET Q q 0 0 0 rg BT 99.65 311.60 Td (the ) Tj ET Q q 0 0 0 rg BT 114.37 311.60 Td (Company) Tj ET Q q 0 0 0 rg BT 156.03 311.60 Td (s ) Tj ET Q q 0 0 0 rg BT 162.42 311.60 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 198.81 311.60 Td (and ) Tj ET Q q 0 0 0 rg BT 215.75 311.60 Td (the ) Tj ET Q q 0 0 0 rg BT 230.47 311.60 Td (value ) Tj ET Q q 0 0 0 rg BT 254.62 311.60 Td (of ) Tj ET Q q 0 0 0 rg BT 265.45 311.60 Td (its ) Tj ET Q q 0 0 0 rg BT 277.40 311.60 Td (assets ) Tj ET Q q 0 0 0 rg BT 303.23 311.60 Td (and ) Tj ET Q q 0 0 0 rg BT 320.17 311.60 Td (liabilities;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 299.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 299.60 Td (competitive ) Tj ET Q q 0 0 0 rg BT 120.63 299.60 Td (pressures ) Tj ET Q q 0 0 0 rg BT 161.07 299.60 Td (in ) Tj ET Q q 0 0 0 rg BT 172.08 299.60 Td (the ) Tj ET Q q 0 0 0 rg BT 187.52 299.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 225.73 299.60 Td (services ) Tj ET Q q 0 0 0 rg BT 261.16 299.60 Td (business ) Tj ET Q q 0 0 0 rg BT 298.28 299.60 Td (which ) Tj ET Q q 0 0 0 rg BT 325.94 299.60 Td (may ) Tj ET Q q 0 0 0 rg BT 346.39 299.60 Td (af) Tj ET Q q 0 0 0 rg BT 353.98 299.60 Td (fect ) Tj ET Q q 0 0 0 rg BT 372.19 299.60 Td (the ) Tj ET Q q 0 0 0 rg BT 387.63 299.60 Td (pricing ) Tj ET Q q 0 0 0 rg BT 419.18 299.60 Td (of ) Tj ET Q q 0 0 0 rg BT 430.74 299.60 Td (the ) Tj ET Q q 0 0 0 rg BT 446.18 299.60 Td (Company) Tj ET Q q 0 0 0 rg BT 487.85 299.60 Td (s ) Tj ET Q q 0 0 0 rg BT 494.97 299.60 Td (loan ) Tj ET Q q 0 0 0 rg BT 515.41 299.60 Td (and ) Tj ET Q q 0 0 0 rg BT 533.07 299.60 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 287.60 Td (products ) Tj ET Q q 0 0 0 rg BT 106.45 287.60 Td (as ) Tj ET Q q 0 0 0 rg BT 116.59 287.60 Td (well ) Tj ET Q q 0 0 0 rg BT 135.62 287.60 Td (as ) Tj ET Q q 0 0 0 rg BT 145.76 287.60 Td (its ) Tj ET Q q 0 0 0 rg BT 157.02 287.60 Td (services ) Tj ET Q q 0 0 0 rg BT 191.04 287.60 Td (\(including ) Tj ET Q q 0 0 0 rg BT 233.95 287.60 Td (wealth ) Tj ET Q q 0 0 0 rg BT 262.42 287.60 Td (management ) Tj ET Q q 0 0 0 rg BT 315.32 287.60 Td (services\), ) Tj ET Q q 0 0 0 rg BT 355.17 287.60 Td (which ) Tj ET Q q 0 0 0 rg BT 381.42 287.60 Td (may ) Tj ET Q q 0 0 0 rg BT 400.45 287.60 Td (result ) Tj ET Q q 0 0 0 rg BT 424.48 287.60 Td (in ) Tj ET Q q 0 0 0 rg BT 434.07 287.60 Td (loss ) Tj ET Q q 0 0 0 rg BT 451.44 287.60 Td (of ) Tj ET Q q 0 0 0 rg BT 461.58 287.60 Td (market ) Tj ET Q q 0 0 0 rg BT 491.16 287.60 Td (share ) Tj ET Q q 0 0 0 rg BT 514.07 287.60 Td (and ) Tj ET Q q 0 0 0 rg BT 530.32 287.60 Td (reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 275.60 Td (income ) Tj ET Q q 0 0 0 rg BT 102.13 275.60 Td (from ) Tj ET Q q 0 0 0 rg BT 124.07 275.60 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 161.85 275.60 Td (loans, ) Tj ET Q q 0 0 0 rg BT 187.96 275.60 Td (advisory ) Tj ET Q q 0 0 0 rg BT 224.90 275.60 Td (fees ) Tj ET Q q 0 0 0 rg BT 243.50 275.60 Td (and ) Tj ET Q q 0 0 0 rg BT 260.43 275.60 Td (income ) Tj ET Q q 0 0 0 rg BT 292.37 275.60 Td (from ) Tj ET Q q 0 0 0 rg BT 314.31 275.60 Td (other ) Tj ET Q q 0 0 0 rg BT 337.35 275.60 Td (products;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 263.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 263.60 Td (failure ) Tj ET Q q 0 0 0 rg BT 98.54 263.60 Td (to ) Tj ET Q q 0 0 0 rg BT 108.57 263.60 Td (identify ) Tj ET Q q 0 0 0 rg BT 141.92 263.60 Td (and ) Tj ET Q q 0 0 0 rg BT 158.61 263.60 Td (complete ) Tj ET Q q 0 0 0 rg BT 197.51 263.60 Td (favorable ) Tj ET Q q 0 0 0 rg BT 237.51 263.60 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 287.53 263.60 Td (in ) Tj ET Q q 0 0 0 rg BT 297.56 263.60 Td (the ) Tj ET Q q 0 0 0 rg BT 312.02 263.60 Td (future ) Tj ET Q q 0 0 0 rg BT 338.15 263.60 Td (or ) Tj ET Q q 0 0 0 rg BT 348.73 263.60 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 396.51 263.60 Td (dif) Tj ET Q q 0 0 0 rg BT 407.44 263.60 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 441.90 263.60 Td (or ) Tj ET Q q 0 0 0 rg BT 452.48 263.60 Td (developments ) Tj ET Q q 0 0 0 rg BT 510.27 263.60 Td (related ) Tj ET Q q 0 0 0 rg BT 539.72 263.60 Td (to ) Tj ET Q q 0 0 0 rg BT 549.74 263.60 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 251.60 Td (integration ) Tj ET Q q 0 0 0 rg BT 116.02 251.60 Td (of ) Tj ET Q q 0 0 0 rg BT 126.85 251.60 Td (the ) Tj ET Q q 0 0 0 rg BT 141.57 251.60 Td (Company) Tj ET Q q 0 0 0 rg BT 183.23 251.60 Td (s ) Tj ET Q q 0 0 0 rg BT 189.62 251.60 Td (recent ) Tj ET Q q 0 0 0 rg BT 216.55 251.60 Td (or ) Tj ET Q q 0 0 0 rg BT 227.38 251.60 Td (future ) Tj ET Q q 0 0 0 rg BT 253.75 251.60 Td (acquisitions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 239.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 239.60 Td (unexpected ) Tj ET Q q 0 0 0 rg BT 119.37 239.60 Td (dif) Tj ET Q q 0 0 0 rg BT 130.30 239.60 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 166.15 239.60 Td (and ) Tj ET Q q 0 0 0 rg BT 184.23 239.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 211.76 239.60 Td (related ) Tj ET Q q 0 0 0 rg BT 242.60 239.60 Td (to ) Tj ET Q q 0 0 0 rg BT 254.02 239.60 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 314.88 239.60 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 368.79 239.60 Td (including ) Tj ET Q q 0 0 0 rg BT 410.20 239.60 Td (those ) Tj ET Q q 0 0 0 rg BT 434.95 239.60 Td (resulting ) Tj ET Q q 0 0 0 rg BT 473.59 239.60 Td (from ) Tj ET Q q 0 0 0 rg BT 496.66 239.60 Td (our ) Tj ET Q q 0 0 0 rg BT 513.63 239.60 Td (loss-sharing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 227.60 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 126.56 227.60 Td (with ) Tj ET Q q 0 0 0 rg BT 146.84 227.60 Td (the ) Tj ET Q q 0 0 0 rg BT 161.56 227.60 Td (FDIC;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 215.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 215.60 Td (any ) Tj ET Q q 0 0 0 rg BT 87.14 215.60 Td (negative ) Tj ET Q q 0 0 0 rg BT 123.51 215.60 Td (perception ) Tj ET Q q 0 0 0 rg BT 168.21 215.60 Td (of ) Tj ET Q q 0 0 0 rg BT 179.04 215.60 Td (the ) Tj ET Q q 0 0 0 rg BT 193.76 215.60 Td (Company) Tj ET Q q 0 0 0 rg BT 235.42 215.60 Td (s ) Tj ET Q q 0 0 0 rg BT 241.82 215.60 Td (reputation ) Tj ET Q q 0 0 0 rg BT 284.86 215.60 Td (or ) Tj ET Q q 0 0 0 rg BT 295.69 215.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 333.17 215.60 Td (strength;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 203.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 203.60 Td (ability ) Tj ET Q q 0 0 0 rg BT 98.25 203.60 Td (of ) Tj ET Q q 0 0 0 rg BT 109.08 203.60 Td (the ) Tj ET Q q 0 0 0 rg BT 123.80 203.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 165.19 203.60 Td (to ) Tj ET Q q 0 0 0 rg BT 175.46 203.60 Td (raise ) Tj ET Q q 0 0 0 rg BT 196.84 203.60 Td (additional ) Tj ET Q q 0 0 0 rg BT 239.33 203.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 268.48 203.60 Td (on ) Tj ET Q q 0 0 0 rg BT 280.98 203.60 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 325.67 203.60 Td (terms ) Tj ET Q q 0 0 0 rg BT 350.39 203.60 Td (when ) Tj ET Q q 0 0 0 rg BT 374.55 203.60 Td (needed;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 191.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 191.60 Td (disruption ) Tj ET Q q 0 0 0 rg BT 113.26 191.60 Td (in ) Tj ET Q q 0 0 0 rg BT 123.53 191.60 Td (capital ) Tj ET Q q 0 0 0 rg BT 152.69 191.60 Td (markets, ) Tj ET Q q 0 0 0 rg BT 189.34 191.60 Td (which ) Tj ET Q q 0 0 0 rg BT 216.28 191.60 Td (may ) Tj ET Q q 0 0 0 rg BT 236.00 191.60 Td (lower ) Tj ET Q q 0 0 0 rg BT 261.26 191.60 Td (fair ) Tj ET Q q 0 0 0 rg BT 277.64 191.60 Td (values ) Tj ET Q q 0 0 0 rg BT 305.69 191.60 Td (for ) Tj ET Q q 0 0 0 rg BT 319.85 191.60 Td (the ) Tj ET Q q 0 0 0 rg BT 334.57 191.60 Td (Company) Tj ET Q q 0 0 0 rg BT 376.23 191.60 Td (s ) Tj ET Q q 0 0 0 rg BT 382.62 191.60 Td (investment ) Tj ET Q q 0 0 0 rg BT 429.00 191.60 Td (portfolio;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 179.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 179.60 Td (ability ) Tj ET Q q 0 0 0 rg BT 98.79 179.60 Td (of ) Tj ET Q q 0 0 0 rg BT 110.16 179.60 Td (the ) Tj ET Q q 0 0 0 rg BT 125.41 179.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 167.33 179.60 Td (to ) Tj ET Q q 0 0 0 rg BT 178.15 179.60 Td (use ) Tj ET Q q 0 0 0 rg BT 194.52 179.60 Td (technology ) Tj ET Q q 0 0 0 rg BT 241.99 179.60 Td (to ) Tj ET Q q 0 0 0 rg BT 252.80 179.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 286.39 179.60 Td (products ) Tj ET Q q 0 0 0 rg BT 323.86 179.60 Td (and ) Tj ET Q q 0 0 0 rg BT 341.34 179.60 Td (services ) Tj ET Q q 0 0 0 rg BT 376.58 179.60 Td (that ) Tj ET Q q 0 0 0 rg BT 394.61 179.60 Td (will ) Tj ET Q q 0 0 0 rg BT 413.21 179.60 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 442.35 179.60 Td (customer ) Tj ET Q q 0 0 0 rg BT 482.05 179.60 Td (demands ) Tj ET Q q 0 0 0 rg BT 520.63 179.60 Td (and ) Tj ET Q q 0 0 0 rg BT 538.11 179.60 Td (create ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 167.60 Td (ef) Tj ET Q q 0 0 0 rg BT 77.79 167.60 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 118.60 167.60 Td (in ) Tj ET Q q 0 0 0 rg BT 128.88 167.60 Td (operations ) Tj ET Q q 0 0 0 rg BT 173.03 167.60 Td (and ) Tj ET Q q 0 0 0 rg BT 189.97 167.60 Td (to ) Tj ET Q q 0 0 0 rg BT 200.25 167.60 Td (manage ) Tj ET Q q 0 0 0 rg BT 233.84 167.60 Td (risks ) Tj ET Q q 0 0 0 rg BT 255.23 167.60 Td (associated ) Tj ET Q q 0 0 0 rg BT 298.83 167.60 Td (therewith;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 155.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 155.60 Td (adverse ) Tj ET Q q 0 0 0 rg BT 103.24 155.60 Td (ef) Tj ET Q q 0 0 0 rg BT 110.83 155.60 Td (fects ) Tj ET Q q 0 0 0 rg BT 132.20 155.60 Td (on ) Tj ET Q q 0 0 0 rg BT 144.70 155.60 Td (our ) Tj ET Q q 0 0 0 rg BT 160.53 155.60 Td (information ) Tj ET Q q 0 0 0 rg BT 210.24 155.60 Td (technology ) Tj ET Q q 0 0 0 rg BT 257.18 155.60 Td (systems ) Tj ET Q q 0 0 0 rg BT 291.35 155.60 Td (resulting ) Tj ET Q q 0 0 0 rg BT 328.84 155.60 Td (from ) Tj ET Q q 0 0 0 rg BT 350.78 155.60 Td (failures, ) Tj ET Q q 0 0 0 rg BT 385.77 155.60 Td (human ) Tj ET Q q 0 0 0 rg BT 415.48 155.60 Td (error ) Tj ET Q q 0 0 0 rg BT 437.41 155.60 Td (or ) Tj ET Q q 0 0 0 rg BT 448.24 155.60 Td (tampering;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 143.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 143.60 Td (adverse ) Tj ET Q q 0 0 0 rg BT 103.19 143.60 Td (ef) Tj ET Q q 0 0 0 rg BT 110.78 143.60 Td (fects ) Tj ET Q q 0 0 0 rg BT 132.11 143.60 Td (of ) Tj ET Q q 0 0 0 rg BT 142.90 143.60 Td (failures ) Tj ET Q q 0 0 0 rg BT 175.34 143.60 Td (by ) Tj ET Q q 0 0 0 rg BT 187.79 143.60 Td (our ) Tj ET Q q 0 0 0 rg BT 203.58 143.60 Td (vendors ) Tj ET Q q 0 0 0 rg BT 237.69 143.60 Td (to ) Tj ET Q q 0 0 0 rg BT 247.93 143.60 Td (provide ) Tj ET Q q 0 0 0 rg BT 280.93 143.60 Td (agreed ) Tj ET Q q 0 0 0 rg BT 310.03 143.60 Td (upon ) Tj ET Q q 0 0 0 rg BT 332.48 143.60 Td (services ) Tj ET Q q 0 0 0 rg BT 367.15 143.60 Td (in ) Tj ET Q q 0 0 0 rg BT 377.38 143.60 Td (the ) Tj ET Q q 0 0 0 rg BT 392.05 143.60 Td (manner ) Tj ET Q q 0 0 0 rg BT 424.49 143.60 Td (and ) Tj ET Q q 0 0 0 rg BT 441.39 143.60 Td (at ) Tj ET Q q 0 0 0 rg BT 451.06 143.60 Td (the ) Tj ET Q q 0 0 0 rg BT 465.73 143.60 Td (cost ) Tj ET Q q 0 0 0 rg BT 484.29 143.60 Td (agreed, ) Tj ET Q q 0 0 0 rg BT 515.89 143.60 Td (particularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 131.60 Td (our ) Tj ET Q q 0 0 0 rg BT 86.03 131.60 Td (information ) Tj ET Q q 0 0 0 rg BT 135.74 131.60 Td (technology ) Tj ET Q q 0 0 0 rg BT 182.68 131.60 Td (vendors;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 119.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 119.60 Td (increased ) Tj ET Q q 0 0 0 rg BT 110.45 119.60 Td (costs ) Tj ET Q q 0 0 0 rg BT 132.95 119.60 Td (as ) Tj ET Q q 0 0 0 rg BT 143.78 119.60 Td (a ) Tj ET Q q 0 0 0 rg BT 150.72 119.60 Td (result ) Tj ET Q q 0 0 0 rg BT 175.44 119.60 Td (of ) Tj ET Q q 0 0 0 rg BT 186.27 119.60 Td (protecting ) Tj ET Q q 0 0 0 rg BT 229.31 119.60 Td (our ) Tj ET Q q 0 0 0 rg BT 245.14 119.60 Td (customers ) Tj ET Q q 0 0 0 rg BT 288.19 119.60 Td (from ) Tj ET Q q 0 0 0 rg BT 310.13 119.60 Td (the ) Tj ET Q q 0 0 0 rg BT 324.84 119.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 354.56 119.60 Td (of ) Tj ET Q q 0 0 0 rg BT 365.39 119.60 Td (stolen ) Tj ET Q q 0 0 0 rg BT 391.77 119.60 Td (debit ) Tj ET Q q 0 0 0 rg BT 414.27 119.60 Td (card ) Tj ET Q q 0 0 0 rg BT 433.97 119.60 Td (information;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 107.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 107.60 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 107.22 107.60 Td (and ) Tj ET Q q 0 0 0 rg BT 123.16 107.60 Td (completeness ) Tj ET Q q 0 0 0 rg BT 178.53 107.60 Td (of ) Tj ET Q q 0 0 0 rg BT 188.37 107.60 Td (information ) Tj ET Q q 0 0 0 rg BT 237.08 107.60 Td (the ) Tj ET Q q 0 0 0 rg BT 250.79 107.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 291.18 107.60 Td (receives ) Tj ET Q q 0 0 0 rg BT 325.44 107.60 Td (about ) Tj ET Q q 0 0 0 rg BT 349.15 107.60 Td (customers ) Tj ET Q q 0 0 0 rg BT 391.20 107.60 Td (and ) Tj ET Q q 0 0 0 rg BT 407.14 107.60 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 465.28 107.60 Td (to ) Tj ET Q q 0 0 0 rg BT 474.56 107.60 Td (make ) Tj ET Q q 0 0 0 rg BT 497.72 107.60 Td (credit ) Tj ET Q q 0 0 0 rg BT 521.98 107.60 Td (decisions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 95.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 95.60 Td (ability ) Tj ET Q q 0 0 0 rg BT 97.96 95.60 Td (of ) Tj ET Q q 0 0 0 rg BT 108.49 95.60 Td (the ) Tj ET Q q 0 0 0 rg BT 122.91 95.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 164.00 95.60 Td (to ) Tj ET Q q 0 0 0 rg BT 173.99 95.60 Td (attract ) Tj ET Q q 0 0 0 rg BT 201.17 95.60 Td (and ) Tj ET Q q 0 0 0 rg BT 217.81 95.60 Td (retain ) Tj ET Q q 0 0 0 rg BT 242.78 95.60 Td (senior ) Tj ET Q q 0 0 0 rg BT 269.43 95.60 Td (management ) Tj ET Q q 0 0 0 rg BT 322.72 95.60 Td (experienced ) Tj ET Q q 0 0 0 rg BT 373.22 95.60 Td (in ) Tj ET Q q 0 0 0 rg BT 383.21 95.60 Td (the ) Tj ET Q q 0 0 0 rg BT 397.63 95.60 Td (banking ) Tj ET Q q 0 0 0 rg BT 432.05 95.60 Td (and ) Tj ET Q q 0 0 0 rg BT 448.69 95.60 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.88 95.60 Td (services ) Tj ET Q q 0 0 0 rg BT 520.29 95.60 Td (industries;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 83.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 83.60 Td (environmental ) Tj ET Q q 0 0 0 rg BT 130.46 83.60 Td (liability ) Tj ET Q q 0 0 0 rg BT 164.07 83.60 Td (risk ) Tj ET Q q 0 0 0 rg BT 181.57 83.60 Td (associated ) Tj ET Q q 0 0 0 rg BT 225.16 83.60 Td (with ) Tj ET Q q 0 0 0 rg BT 245.44 83.60 Td (lending ) Tj ET Q q 0 0 0 rg BT 277.93 83.60 Td (activities;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 71.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 71.60 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 71.60 Td (impact ) Tj ET Q q 0 0 0 rg BT 114.63 71.60 Td (of ) Tj ET Q q 0 0 0 rg BT 125.46 71.60 Td (any ) Tj ET Q q 0 0 0 rg BT 142.40 71.60 Td (claims ) Tj ET Q q 0 0 0 rg BT 171.00 71.60 Td (or ) Tj ET Q q 0 0 0 rg BT 181.83 71.60 Td (legal ) Tj ET Q q 0 0 0 rg BT 203.76 71.60 Td (actions ) Tj ET Q q 0 0 0 rg BT 234.59 71.60 Td (to ) Tj ET Q q 0 0 0 rg BT 244.87 71.60 Td (which ) Tj ET Q q 0 0 0 rg BT 271.81 71.60 Td (the ) Tj ET Q q 0 0 0 rg BT 286.52 71.60 Td (Company ) Tj ET Q q 0 0 0 rg BT 327.91 71.60 Td (is ) Tj ET Q q 0 0 0 rg BT 337.08 71.60 Td (subject, ) Tj ET Q q 0 0 0 rg BT 370.41 71.60 Td (including ) Tj ET Q q 0 0 0 rg BT 410.68 71.60 Td (any ) Tj ET Q q 0 0 0 rg BT 427.62 71.60 Td (ef) Tj ET Q q 0 0 0 rg BT 435.20 71.60 Td (fect ) Tj ET Q q 0 0 0 rg BT 452.69 71.60 Td (on ) Tj ET Q q 0 0 0 rg BT 465.19 71.60 Td (our ) Tj ET Q q 0 0 0 rg BT 481.02 71.60 Td (reputation;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 59.60 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 59.60 Td (losses ) Tj ET Q q 0 0 0 rg BT 96.33 59.60 Td (incurred ) Tj ET Q q 0 0 0 rg BT 131.89 59.60 Td (in ) Tj ET Q q 0 0 0 rg BT 141.91 59.60 Td (connection ) Tj ET Q q 0 0 0 rg BT 188.02 59.60 Td (with ) Tj ET Q q 0 0 0 rg BT 208.04 59.60 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 257.47 59.60 Td (and ) Tj ET Q q 0 0 0 rg BT 274.15 59.60 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 339.71 59.60 Td (payments ) Tj ET Q q 0 0 0 rg BT 380.27 59.60 Td (related ) Tj ET Q q 0 0 0 rg BT 409.72 59.60 Td (to ) Tj ET Q q 0 0 0 rg BT 419.74 59.60 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 463.63 59.60 Td (and ) Tj ET Q q 0 0 0 rg BT 480.31 59.60 Td (increases ) Tj ET Q q 0 0 0 rg BT 519.20 59.60 Td (in ) Tj ET Q q 0 0 0 rg BT 529.21 59.60 Td (reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 47.60 Td (associated ) Tj ET Q q 0 0 0 rg BT 113.79 47.60 Td (therewith;) Tj ET Q endstream endobj 85 0 obj <> endobj 86 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (42) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.29 742.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 101.73 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.94 742.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 154.36 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 164.57 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 170.88 742.10 Td (result ) Tj ET Q q 0 0 0 rg BT 194.98 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.18 742.10 Td (technological ) Tj ET Q q 0 0 0 rg BT 260.93 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 295.01 742.10 Td (allowing ) Tj ET Q q 0 0 0 rg BT 331.88 742.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 376.53 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.18 742.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 424.71 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 444.91 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 481.77 742.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 531.41 742.10 Td (without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 730.10 Td (use ) Tj ET Q q 0 0 0 rg BT 100.75 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.58 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 118.52 730.10 Td (bank;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 718.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 128.53 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.36 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 162.41 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 199.89 718.10 Td (institutions;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 706.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 123.52 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.45 706.10 Td (delayed ) Tj ET Q q 0 0 0 rg BT 174.05 706.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 204.32 706.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 239.58 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.86 706.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 284.57 706.10 Td (new ) Tj ET Q q 0 0 0 rg BT 303.74 706.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 341.77 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.71 706.10 Td (de ) Tj ET Q q 0 0 0 rg BT 370.65 706.10 Td (novo ) Tj ET Q q 0 0 0 rg BT 393.15 706.10 Td (banks;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 694.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 694.10 Td (examinations ) Tj ET Q q 0 0 0 rg BT 126.02 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.96 694.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 187.66 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 200.16 694.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 214.88 694.10 Td (authorities;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 682.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 682.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 104.91 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.19 682.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 161.56 682.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 204.33 682.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 226.26 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.20 682.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 303.46 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.40 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.12 682.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 364.83 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 377.33 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.05 682.10 Td (Company) Tj ET Q q 0 0 0 rg BT 433.71 682.10 Td (s ) Tj ET Q q 0 0 0 rg BT 440.10 682.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 477.58 682.10 Td (statements;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 670.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 112.97 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.80 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.52 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 179.90 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.18 670.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 221.54 670.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 262.93 670.10 Td (from ) Tj ET Q q 0 0 0 rg BT 284.87 670.10 Td (its ) Tj ET Q q 0 0 0 rg BT 296.82 670.10 Td (subsidiaries;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 76.34 658.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 112.46 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.95 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.87 658.10 Td (Company) Tj ET Q q 0 0 0 rg BT 177.53 658.10 Td (s ) Tj ET Q q 0 0 0 rg BT 183.13 658.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 225.93 658.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 254.29 658.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 280.71 658.10 Td (including ) Tj ET Q q 0 0 0 rg BT 320.19 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 330.22 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 336.37 658.10 Td (result ) Tj ET Q q 0 0 0 rg BT 360.29 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.33 658.10 Td (further ) Tj ET Q q 0 0 0 rg BT 399.24 658.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 433.71 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.19 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.11 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 480.48 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.51 658.10 Td (its ) Tj ET Q q 0 0 0 rg BT 501.66 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 520.59 658.10 Td (portfolios, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 81.03 646.10 Td (otherwise;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 634.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 113.63 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 124.29 634.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 167.72 634.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 204.76 634.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 253.18 634.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 287.72 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 297.83 634.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 340.71 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.37 634.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 388.69 634.10 Td (services ) Tj ET Q q 0 0 0 rg BT 423.23 634.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 468.32 634.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 496.20 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.75 634.10 Td (products ) Tj ET Q q 0 0 0 rg BT 547.52 634.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 622.10 Td (services ) Tj ET Q q 0 0 0 rg BT 104.91 622.10 Td (of) Tj ET Q q 0 0 0 rg BT 113.06 622.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 136.09 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 148.59 622.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 186.07 622.10 Td (services ) Tj ET Q q 0 0 0 rg BT 220.78 622.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 268.54 622.10 Td (including ) Tj ET Q q 0 0 0 rg BT 308.82 622.10 Td (those ) Tj ET Q q 0 0 0 rg BT 332.43 622.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 369.92 622.10 Td (from ) Tj ET Q q 0 0 0 rg BT 391.86 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.58 622.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 457.41 622.10 Td (Act;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 77.14 610.10 Td (lowering ) Tj ET Q q 0 0 0 rg BT 115.19 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.02 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 141.85 610.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.11 610.10 Td (rating;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 598.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 598.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 104.91 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.19 598.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 135.47 598.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 175.73 598.10 Td (policy;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 586.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 586.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 117.89 586.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 141.14 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.72 586.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 186.52 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.55 586.10 Td (market ) Tj ET Q q 0 0 0 rg BT 228.57 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 245.15 586.10 Td (products ) Tj ET Q q 0 0 0 rg BT 282.84 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.87 586.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 339.89 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.58 586.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 403.61 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 416.87 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 433.45 586.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 462.25 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.28 586.10 Td (profitably ) Tj ET Q q 0 0 0 rg BT 515.97 586.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 548.64 586.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 574.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 110.46 574.10 Td (business ) Tj ET Q q 0 0 0 rg BT 146.86 574.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 184.35 574.10 Td (from ) Tj ET Q q 0 0 0 rg BT 206.29 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.01 574.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 271.84 574.10 Td (Act;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 562.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 562.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 109.29 562.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 130.62 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 140.28 562.10 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 190.20 562.10 Td (heightened ) Tj ET Q q 0 0 0 rg BT 235.41 562.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 277.84 562.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 305.82 562.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 359.36 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.13 562.10 Td (other ) Tj ET Q q 0 0 0 rg BT 397.01 562.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 417.23 562.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 459.66 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 478.77 562.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 512.31 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.42 562.10 Td (regulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.14 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.86 550.10 Td (current ) Tj ET Q q 0 0 0 rg BT 132.67 550.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 176.26 550.10 Td (environment, ) Tj ET Q q 0 0 0 rg BT 231.81 550.10 Td (including ) Tj ET Q q 0 0 0 rg BT 272.08 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.80 550.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 337.63 550.10 Td (Act;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 538.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 538.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 114.63 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.46 538.10 Td (heightened ) Tj ET Q q 0 0 0 rg BT 171.83 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 200.98 538.10 Td (requirements;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 526.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 526.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 109.35 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.62 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.34 526.10 Td (Company) Tj ET Q q 0 0 0 rg BT 176.01 526.10 Td (s ) Tj ET Q q 0 0 0 rg BT 182.40 526.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 207.68 526.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 248.50 526.10 Td (premiums, ) Tj ET Q q 0 0 0 rg BT 293.49 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.32 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.04 526.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 360.97 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.80 526.10 Td (special ) Tj ET Q q 0 0 0 rg BT 402.06 526.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 452.89 526.10 Td (by ) Tj ET Q q 0 0 0 rg BT 465.39 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.11 526.10 Td (FDIC;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 514.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 514.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 127.68 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 138.51 514.10 Td (fraud ) Tj ET Q q 0 0 0 rg BT 162.11 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 182.39 514.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 213.20 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.48 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.20 514.10 Td (Company) Tj ET Q q 0 0 0 rg BT 279.86 514.10 Td (s ) Tj ET Q q 0 0 0 rg BT 286.25 514.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 324.86 514.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 356.78 514.10 Td (business;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 502.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 94.70 502.10 Td (downgrades ) Tj ET Q q 0 0 0 rg BT 144.75 502.10 Td (among ) Tj ET Q q 0 0 0 rg BT 173.70 502.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 222.63 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.80 502.10 Td (life ) Tj ET Q q 0 0 0 rg BT 253.86 502.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 293.90 502.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 333.41 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 350.13 502.10 Td (could ) Tj ET Q q 0 0 0 rg BT 374.08 502.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 417.46 502.10 Td (af) Tj ET Q q 0 0 0 rg BT 425.05 502.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 441.77 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.72 502.10 Td (value ) Tj ET Q q 0 0 0 rg BT 479.11 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 489.17 502.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 528.10 502.10 Td (securing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 490.10 Td (Company) Tj ET Q q 0 0 0 rg BT 126.58 490.10 Td (s ) Tj ET Q q 0 0 0 rg BT 132.97 490.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 171.58 490.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 203.50 490.10 Td (loans;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 478.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.92 478.10 Td (Company) Tj ET Q q 0 0 0 rg BT 126.58 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 132.97 478.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 161.03 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 171.30 478.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 203.80 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 224.08 478.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 266.56 478.10 Td (under ) Tj ET Q q 0 0 0 rg BT 291.83 478.10 Td (its ) Tj ET Q q 0 0 0 rg BT 303.78 478.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 329.04 478.10 Td (facility; ) Tj ET Q q 0 0 0 rg BT 362.64 478.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.20 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 466.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 120.45 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.26 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.52 466.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 170.66 466.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 203.96 466.10 Td (which ) Tj ET Q q 0 0 0 rg BT 231.43 466.10 Td (may ) Tj ET Q q 0 0 0 rg BT 251.69 466.10 Td (have ) Tj ET Q q 0 0 0 rg BT 273.60 466.10 Td (an ) Tj ET Q q 0 0 0 rg BT 286.07 466.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 319.65 466.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 349.90 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 362.93 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.19 466.10 Td (Company) Tj ET Q q 0 0 0 rg BT 419.85 466.10 Td (s ) Tj ET Q q 0 0 0 rg BT 426.78 466.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 456.47 466.10 Td (management ) Tj ET Q q 0 0 0 rg BT 510.59 466.10 Td (business ) Tj ET Q q 0 0 0 rg BT 547.52 466.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.20 454.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 112.68 454.10 Td (operation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 94.64 433.10 Td (there ) Tj ET Q q 0 0 0 rg BT 117.35 433.10 Td (can ) Tj ET Q q 0 0 0 rg BT 133.95 433.10 Td (be ) Tj ET Q q 0 0 0 rg BT 146.11 433.10 Td (no ) Tj ET Q q 0 0 0 rg BT 158.83 433.10 Td (assurances ) Tj ET Q q 0 0 0 rg BT 204.32 433.10 Td (that ) Tj ET Q q 0 0 0 rg BT 222.03 433.10 Td (future ) Tj ET Q q 0 0 0 rg BT 248.63 433.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 275.23 433.10 Td (results ) Tj ET Q q 0 0 0 rg BT 304.06 433.10 Td (will ) Tj ET Q q 0 0 0 rg BT 322.34 433.10 Td (correspond ) Tj ET Q q 0 0 0 rg BT 369.50 433.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.00 433.10 Td (these ) Tj ET Q q 0 0 0 rg BT 403.27 433.10 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 471.53 433.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 518.77 433.10 Td (The ) Tj ET Q q 0 0 0 rg BT 537.04 433.10 Td (reader ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.67 421.10 Td (cautioned ) Tj ET Q q 0 0 0 rg BT 99.54 421.10 Td (not ) Tj ET Q q 0 0 0 rg BT 114.32 421.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.09 421.10 Td (place ) Tj ET Q q 0 0 0 rg BT 147.19 421.10 Td (undue ) Tj ET Q q 0 0 0 rg BT 173.62 421.10 Td (reliance ) Tj ET Q q 0 0 0 rg BT 207.26 421.10 Td (on ) Tj ET Q q 0 0 0 rg BT 219.26 421.10 Td (any ) Tj ET Q q 0 0 0 rg BT 235.70 421.10 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 303.23 421.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 343.55 421.10 Td (made ) Tj ET Q q 0 0 0 rg BT 367.21 421.10 Td (by ) Tj ET Q q 0 0 0 rg BT 379.20 421.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.42 421.10 Td (Company) Tj ET Q q 0 0 0 rg BT 431.66 421.10 Td (. ) Tj ET Q q 0 0 0 rg BT 435.71 421.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 454.93 421.10 Td (such ) Tj ET Q q 0 0 0 rg BT 475.26 421.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 515.58 421.10 Td (speaks ) Tj ET Q q 0 0 0 rg BT 544.24 421.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.00 409.10 Td (of ) Tj ET Q q 0 0 0 rg BT 72.00 409.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.89 409.10 Td (date ) Tj ET Q q 0 0 0 rg BT 106.22 409.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.10 409.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 162.09 409.10 Td (was ) Tj ET Q q 0 0 0 rg BT 180.32 409.10 Td (made ) Tj ET Q q 0 0 0 rg BT 204.64 409.10 Td (or ) Tj ET Q q 0 0 0 rg BT 215.64 409.10 Td (as ) Tj ET Q q 0 0 0 rg BT 226.65 409.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.65 409.10 Td (such ) Tj ET Q q 0 0 0 rg BT 258.65 409.10 Td (date ) Tj ET Q q 0 0 0 rg BT 277.97 409.10 Td (that ) Tj ET Q q 0 0 0 rg BT 295.64 409.10 Td (may ) Tj ET Q q 0 0 0 rg BT 315.53 409.10 Td (be ) Tj ET Q q 0 0 0 rg BT 327.64 409.10 Td (referenced ) Tj ET Q q 0 0 0 rg BT 372.49 409.10 Td (within ) Tj ET Q q 0 0 0 rg BT 400.72 409.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.61 409.10 Td (statement. ) Tj ET Q q 0 0 0 rg BT 458.90 409.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.12 409.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 518.68 409.10 Td (undertakes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (no ) Tj ET Q q 0 0 0 rg BT 62.36 397.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 105.28 397.10 Td (to ) Tj ET Q q 0 0 0 rg BT 115.42 397.10 Td (update ) Tj ET Q q 0 0 0 rg BT 144.44 397.10 Td (any ) Tj ET Q q 0 0 0 rg BT 161.25 397.10 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 229.15 397.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 269.83 397.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.98 397.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 307.87 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.46 397.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 352.03 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.73 397.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 421.73 397.10 Td (after ) Tj ET Q q 0 0 0 rg BT 442.41 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.99 397.10 Td (date ) Tj ET Q q 0 0 0 rg BT 476.01 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.71 397.10 Td (this ) Tj ET Q q 0 0 0 rg BT 503.00 397.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 534.80 397.10 Td (Report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 385.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 86.67 385.10 Td (10-K. ) Tj ET Q q 0 0 0 rg BT 112.23 385.10 Td (Persons ) Tj ET Q q 0 0 0 rg BT 145.84 385.10 Td (are ) Tj ET Q q 0 0 0 rg BT 160.55 385.10 Td (advised, ) Tj ET Q q 0 0 0 rg BT 196.10 385.10 Td (however) Tj ET Q q 0 0 0 rg BT 230.13 385.10 Td (, ) Tj ET Q q 0 0 0 rg BT 235.13 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.41 385.10 Td (consult ) Tj ET Q q 0 0 0 rg BT 276.80 385.10 Td (further ) Tj ET Q q 0 0 0 rg BT 306.50 385.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 353.44 385.10 Td (management ) Tj ET Q q 0 0 0 rg BT 407.03 385.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 435.08 385.10 Td (on ) Tj ET Q q 0 0 0 rg BT 447.58 385.10 Td (related ) Tj ET Q q 0 0 0 rg BT 477.29 385.10 Td (subjects ) Tj ET Q q 0 0 0 rg BT 512.01 385.10 Td (in ) Tj ET Q q 0 0 0 rg BT 522.29 385.10 Td (its ) Tj ET Q q 0 0 0 rg BT 534.24 385.10 Td (reports ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 70.83 373.10 Td (with ) Tj ET Q q 0 0 0 rg BT 91.10 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.82 373.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 147.75 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.69 373.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 206.62 373.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 259.68 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.62 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.90 373.10 Td (its ) Tj ET Q q 0 0 0 rg BT 298.85 373.10 Td (press ) Tj ET Q q 0 0 0 rg BT 321.90 373.10 Td (releases.) 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Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (OPERA) Tj ET Q q 0 0 0 rg BT 84.26 664.25 Td (TING SUMMAR) Tj ET Q q 0 0 0 rg BT 158.07 664.25 Td (Y) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 643.25 Td (intrust) Tj ET Q q 0 0 0 rg BT 87.37 643.25 Td (s ) Tj ET Q q 0 0 0 rg BT 93.76 643.25 Td (key ) Tj ET Q q 0 0 0 rg BT 110.70 643.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 150.41 643.25 Td (of ) Tj ET Q q 0 0 0 rg BT 161.24 643.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 211.51 643.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.45 643.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 261.48 643.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 284.53 643.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 319.23 643.25 Td (are ) Tj ET Q q 0 0 0 rg BT 333.94 643.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 362.55 643.25 Td (in ) Tj ET Q q 0 0 0 rg BT 372.83 643.25 Td (the ) Tj ET Q q 0 0 0 rg BT 387.55 643.25 Td (following ) Tj ET Q q 0 0 0 rg BT 428.94 643.25 Td (table:) Tj ET Q 0.8 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1 rg /GS0 gs 232.50 567.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 567.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 567.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 567.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 567.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 567.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 567.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 567.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 567.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 539.75 178.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 539.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 539.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 539.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 539.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 539.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 539.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 539.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 539.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 539.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 539.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 509.75 178.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 509.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 509.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 509.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 509.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 509.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 509.75 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 481.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 481.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 441.75 178.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 441.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 441.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 441.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 441.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 441.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 441.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 441.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 441.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 441.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 441.75 58.00 -13.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 232.50 365.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 365.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 365.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 365.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 365.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 365.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 365.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 365.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 365.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 339.75 178.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 339.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 339.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 339.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 339.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 339.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 339.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 339.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 339.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 339.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 339.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 299.75 178.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 299.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 299.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 299.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 299.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 299.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 299.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 299.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 299.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 299.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 299.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 259.75 178.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 259.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 259.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 259.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 259.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 259.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 259.75 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 259.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 259.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 259.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 259.75 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 233.75 178.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 233.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 233.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 233.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 233.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 233.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.50 233.75 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 233.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 233.75 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 233.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 233.75 58.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 632.75 m 228.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 632.75 m 232.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 632.75 m 298.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 604.75 m 298.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 632.75 m 302.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 604.75 m 302.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 632.75 m 368.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 604.75 m 368.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 632.75 m 372.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 604.75 m 372.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 632.75 m 438.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 604.75 m 438.5 604.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 632.75 m 442.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 632.75 m 500.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 632.75 m 504.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 632.75 m 562.5 632.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 592.75 m 228.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 592.75 m 232.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 592.75 m 298.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 592.75 m 302.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 592.75 m 368.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 592.75 m 372.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 592.75 m 438.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 592.75 m 442.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 592.75 m 500.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 592.75 m 504.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 592.75 m 562.5 592.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 205.75 m 228.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 205.75 m 232.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 205.75 m 298.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 205.75 m 302.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 205.75 m 368.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 205.75 m 372.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372.5 205.75 m 438.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 205.75 m 442.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 205.75 m 500.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 205.75 m 504.5 205.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 205.75 m 562.5 205.75 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 609.00 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.30 616.98 Td (Y) Tj ET Q q 0 0 0 rg BT 318.19 616.98 Td (ears Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.75 608.98 Td (December) Tj ET Q q 0 0 0 rg BT 346.25 608.98 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.25 624.83 Td (%or) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.95 616.83 Td (BasisPoint) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.85 608.83 Td (\(bp\)change) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 525.30 624.70 Td (%or) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.85 616.70 Td (BasisPoint) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 608.70 Td (\(bp\)change) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 596.70 Td (\(Dollars in thousands, except per share data\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.00 596.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.00 596.01 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 596.01 Td (2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 449.65 596.83 Td (2014to2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.85 596.70 Td (2013to2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 583.32 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.00 583.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.50 583.48 Td (156,749) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.00 583.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 583.32 Td (151,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.00 583.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 583.32 Td (137,210) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.50 583.48 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.80 583.32 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 570.37 Td (Net income per common share Diluted) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 570.48 Td (2.93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 570.37 Td (2.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 570.37 Td (2.75) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 570.48 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 570.37 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 557.42 Td (Net revenue ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 104.08 561.95 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.50 557.43 Td (913,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 557.42 Td (813,815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 557.42 Td (773,024) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 557.43 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 557.42 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 543.32 Td (Net interest income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.50 543.48 Td (641,529) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 543.32 Td (598,575) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 543.32 Td (550,627) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.50 543.48 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 543.32 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 529.42 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 117.24 529.42 Td (gin ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 132.52 533.95 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 529.43 Td (3.36) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.00 529.43 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 529.42 Td (3.53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.65 529.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 529.42 Td (3.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 529.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.85 529.43 Td (\(17\) bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.25 529.42 Td (3 bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 514.42 Td (Net overhead ratio ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 129.91 518.95 Td (\(2\) \(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 514.43 Td (1.70) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 514.42 Td (1.77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 514.42 Td (1.60) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 514.43 Td (\(7\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.00 514.42 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 499.42 Td (Ef) Tj ET Q q 0 0 0 rg BT 62.26 499.42 Td (ficiency ratio ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 117.79 503.95 Td (\(2\) \(4\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.50 499.43 Td (68.49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 499.42 Td (66.89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 499.42 Td (64.57) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.50 499.43 Td (160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.50 499.42 Td (232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 485.32 Td (Return on average assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 485.48 Td (0.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 485.32 Td (0.81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 485.32 Td (0.79) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 485.48 Td (\(6\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 485.32 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 471.42 Td (Return on average common equity) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 191.29 475.95 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 471.43 Td (7.15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 471.42 Td (7.77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 471.42 Td (7.56) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.65 471.43 Td (\(62\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.00 471.42 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 456.42 Td (Return on average tangible common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 446.42 Td (equity) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 78.00 450.95 Td ( \(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 446.43 Td (9.44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 446.42 Td (10.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 446.42 Td (9.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.65 446.43 Td (\(70\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.00 446.42 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 432.48 Td (At end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 419.32 Td (Total assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.00 419.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.00 419.48 Td (22,917,166) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.00 419.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.60 419.32 Td (20,010,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.00 419.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.60 419.32 Td (18,097,783) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 419.48 Td (15%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.80 419.32 Td (11%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 405.42 Td (Total loans, excluding loans held-for-sale,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 395.42 Td (excluding covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.00 395.43 Td (17,118,117) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.60 395.42 Td (14,409,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.60 395.42 Td (12,896,602) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 395.43 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.00 395.42 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 380.42 Td (Total loans, including loans held-for-sale,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 370.42 Td (excluding covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.00 370.43 Td (17,506,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.60 370.42 Td (14,760,688) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.60 370.42 Td (13,230,929) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 370.43 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.00 370.42 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 356.32 Td (Total deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.00 356.48 Td (18,639,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.60 356.32 Td (16,281,844) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.60 356.32 Td (14,668,789) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 356.48 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.00 356.32 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 343.32 Td (Total shareholders equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 248.00 343.48 Td (2,352,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.60 343.32 Td (2,069,822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.60 343.32 Td (1,900,589) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 343.48 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 343.32 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 329.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 329.42 Td (angible common equity ratio \(TCE\) ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 204.21 333.95 Td (\(2\)\(6\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 275.50 329.43 Td (7.2) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.00 329.43 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 329.42 Td (7.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.65 329.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 329.42 Td (7.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 329.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.85 329.43 Td (\(60\) bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.25 329.42 Td (0 bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 314.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 314.42 Td (angible common equity ratio, assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 304.42 Td (full conversion of preferred stock ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 189.34 308.49 Td (\(2\)\(6\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 275.50 304.43 Td (7.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 304.42 Td (8.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 304.42 Td (8.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.85 304.43 Td (\(70\) bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.40 304.42 Td (\(10\) bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 289.42 Td (Book value per common share ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 177.69 293.95 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 235.00 289.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.50 289.43 Td (43.42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.00 289.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 289.42 Td (41.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.00 289.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 289.42 Td (38.47) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.50 289.43 Td (5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.30 289.42 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 274.42 Td (T) Tj ET Q q 0 0 0 rg BT 58.41 274.42 Td (angible common book value per common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 264.42 Td (share) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 76.60 268.49 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.50 264.43 Td (33.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 264.42 Td (32.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 264.42 Td (29.93) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.50 264.43 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 264.42 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 250.32 Td (Market price per common share) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.50 250.48 Td (48.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 250.32 Td (46.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 250.32 Td (46.12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.50 250.48 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.50 250.32 Td (1) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 53.00 237.31 Td (Excluding covered loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 223.42 Td (Allowance for credit losses to total loans) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 216.29 227.95 Td (\(5\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 223.43 Td (0.62) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 288.00 223.43 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 223.42 Td (0.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.65 223.42 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 223.42 Td (0.76) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.65 223.42 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.35 223.43 Td (\(2\) bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.40 223.42 Td (\(12\) bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 209.32 Td (Non-performing loans to total loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 270.50 209.48 Td (0.49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 209.32 Td (0.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 209.32 Td (0.80) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.35 209.48 Td (\(6\) bp) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.40 209.32 Td (\(25\) bp) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 194.25 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 194.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 96.84 194.25 Td (r) Tj ET Q q 0 0 0 rg BT 100.36 194.25 Td (evenue ) Tj ET Q q 0 0 0 rg BT 130.61 194.25 Td (is ) Tj ET Q q 0 0 0 rg BT 139.78 194.25 Td (net ) Tj ET Q q 0 0 0 rg BT 154.50 194.25 Td (inter) Tj ET Q q 0 0 0 rg BT 173.01 194.25 Td (est ) Tj ET Q q 0 0 0 rg BT 186.62 194.25 Td (income ) Tj ET Q q 0 0 0 rg BT 218.00 194.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 237.17 194.25 Td (non-inter) Tj ET Q q 0 0 0 rg BT 274.01 194.25 Td (est ) Tj ET Q q 0 0 0 rg BT 287.62 194.25 Td (income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 182.25 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 182.25 Td (See ) Tj ET Q q 0 0 0 rg BT 96.83 182.25 Td (Non-GAAP) Tj ET Q q 0 0 0 rg BT 147.75 182.25 Td ( ) Tj ET Q q 0 0 0 rg BT 150.25 182.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 191.64 182.25 Td (Measur) Tj ET Q q 0 0 0 rg BT 221.82 182.25 Td (es/Ratios ) Tj ET Q q 0 0 0 rg BT 266.54 182.25 Td (for ) Tj ET Q q 0 0 0 rg BT 280.71 182.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 324.33 182.25 Td (information ) Tj ET Q q 0 0 0 rg BT 374.05 182.25 Td (on ) Tj ET Q q 0 0 0 rg BT 386.55 182.25 Td (this ) Tj ET Q q 0 0 0 rg BT 403.50 182.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 457.10 182.25 Td (measur) Tj ET Q q 0 0 0 rg BT 486.17 182.25 Td (e/ratio.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 170.25 Td (\(3\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 170.25 Td (The ) Tj ET Q q 0 0 0 rg BT 97.95 170.25 Td (net ) Tj ET Q q 0 0 0 rg BT 112.67 170.25 Td (over) Tj ET Q q 0 0 0 rg BT 130.26 170.25 Td (head ) Tj ET Q q 0 0 0 rg BT 152.20 170.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 174.15 170.25 Td (is ) Tj ET Q q 0 0 0 rg BT 183.32 170.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 227.47 170.25 Td (by ) Tj ET Q q 0 0 0 rg BT 239.41 170.25 Td (netting ) Tj ET Q q 0 0 0 rg BT 269.69 170.25 Td (total ) Tj ET Q q 0 0 0 rg BT 290.52 170.25 Td (non-inter) Tj ET Q q 0 0 0 rg BT 327.37 170.25 Td (est ) Tj ET Q q 0 0 0 rg BT 340.98 170.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 375.12 170.25 Td (and ) Tj ET Q q 0 0 0 rg BT 392.63 170.25 Td (total ) Tj ET Q q 0 0 0 rg BT 413.46 170.25 Td (non-inter) Tj ET Q q 0 0 0 rg BT 450.31 170.25 Td (est ) Tj ET Q q 0 0 0 rg BT 463.92 170.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 497.80 170.25 Td (annualizing ) Tj ET Q q 0 0 0 rg BT 547.52 170.25 Td (this ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 158.25 Td (amount, ) Tj ET Q q 0 0 0 rg BT 115.45 158.25 Td (and ) Tj ET Q q 0 0 0 rg BT 132.95 158.25 Td (dividing ) Tj ET Q q 0 0 0 rg BT 168.22 158.25 Td (by ) Tj ET Q q 0 0 0 rg BT 180.16 158.25 Td (that ) Tj ET Q q 0 0 0 rg BT 198.22 158.25 Td (period) Tj ET Q q 0 0 0 rg BT 226.37 158.25 Td (s ) Tj ET Q q 0 0 0 rg BT 232.76 158.25 Td (total ) Tj ET Q q 0 0 0 rg BT 253.59 158.25 Td (average ) Tj ET Q q 0 0 0 rg BT 288.30 158.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 317.01 158.25 Td (A) Tj ET Q q 0 0 0 rg BT 322.94 158.25 Td ( ) Tj ET Q q 0 0 0 rg BT 325.44 158.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 350.72 158.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 372.67 158.25 Td (indicates ) Tj ET Q q 0 0 0 rg BT 411.27 158.25 Td (a ) Tj ET Q q 0 0 0 rg BT 418.77 158.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 447.38 158.25 Td (degr) Tj ET Q q 0 0 0 rg BT 465.34 158.25 Td (ee ) Tj ET Q q 0 0 0 rg BT 476.71 158.25 Td (of ) Tj ET Q q 0 0 0 rg BT 486.99 158.25 Td (efficiency) Tj ET Q q 0 0 0 rg BT 524.75 158.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 146.25 Td (\(4\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 146.25 Td (The ) Tj ET Q q 0 0 0 rg BT 97.20 146.25 Td (efficiency ) Tj ET Q q 0 0 0 rg BT 137.25 146.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 158.45 146.25 Td (is ) Tj ET Q q 0 0 0 rg BT 166.87 146.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 210.26 146.25 Td (by ) Tj ET Q q 0 0 0 rg BT 221.45 146.25 Td (dividing ) Tj ET Q q 0 0 0 rg BT 255.97 146.25 Td (total ) Tj ET Q q 0 0 0 rg BT 276.06 146.25 Td (non-inter) Tj ET Q q 0 0 0 rg BT 312.90 146.25 Td (est ) Tj ET Q q 0 0 0 rg BT 325.76 146.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 359.15 146.25 Td (by ) Tj ET Q q 0 0 0 rg BT 370.34 146.25 Td (tax-equivalent ) Tj ET Q q 0 0 0 rg BT 429.28 146.25 Td (net ) Tj ET Q q 0 0 0 rg BT 443.25 146.25 Td (r) Tj ET Q q 0 0 0 rg BT 446.77 146.25 Td (evenues ) Tj ET Q q 0 0 0 rg BT 480.16 146.25 Td (\(less ) Tj ET Q q 0 0 0 rg BT 500.24 146.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 540.31 146.25 Td (gains ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 134.25 Td (or ) Tj ET Q q 0 0 0 rg BT 91.84 134.25 Td (losses\). ) Tj ET Q q 0 0 0 rg BT 123.88 134.25 Td (A) Tj ET Q q 0 0 0 rg BT 129.81 134.25 Td ( ) Tj ET Q q 0 0 0 rg BT 132.31 134.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 157.59 134.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 179.54 134.25 Td (indicates ) Tj ET Q q 0 0 0 rg BT 218.14 134.25 Td (mor) Tj ET Q q 0 0 0 rg BT 233.88 134.25 Td (e ) Tj ET Q q 0 0 0 rg BT 240.82 134.25 Td (efficient ) Tj ET Q q 0 0 0 rg BT 275.53 134.25 Td (r) Tj ET Q q 0 0 0 rg BT 279.05 134.25 Td (evenue ) Tj ET Q q 0 0 0 rg BT 309.30 134.25 Td (generation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 122.25 Td (\(5\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 122.25 Td (The ) Tj ET Q q 0 0 0 rg BT 99.69 122.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 145.04 122.25 Td (for ) Tj ET Q q 0 0 0 rg BT 160.95 122.25 Td (cr) Tj ET Q q 0 0 0 rg BT 168.91 122.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 188.14 122.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 216.28 122.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 253.84 122.25 Td (both ) Tj ET Q q 0 0 0 rg BT 275.86 122.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.32 122.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 337.67 122.25 Td (for ) Tj ET Q q 0 0 0 rg BT 353.58 122.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 375.60 122.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 403.73 122.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.97 122.25 Td (the ) Tj ET Q q 0 0 0 rg BT 439.43 122.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 484.78 122.25 Td (for ) Tj ET Q q 0 0 0 rg BT 500.69 122.25 Td (lending-r) Tj ET Q q 0 0 0 rg BT 537.54 122.25 Td (elated ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 110.25 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 138.22 110.25 Td (but ) Tj ET Q q 0 0 0 rg BT 153.50 110.25 Td (excludes ) Tj ET Q q 0 0 0 rg BT 190.42 110.25 Td (the ) Tj ET Q q 0 0 0 rg BT 205.14 110.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 248.74 110.25 Td (for ) Tj ET Q q 0 0 0 rg BT 262.91 110.25 Td (cover) Tj ET Q q 0 0 0 rg BT 284.75 110.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 296.69 110.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 316.96 110.25 Td (losses.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 98.25 Td (\(6\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 98.25 Td (T) Tj ET Q q 0 0 0 rg BT 85.09 98.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 103.14 98.25 Td (shar) Tj ET Q q 0 0 0 rg BT 120.55 98.25 Td (eholders' ) Tj ET Q q 0 0 0 rg BT 159.61 98.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 186.53 98.25 Td (minus ) Tj ET Q q 0 0 0 rg BT 212.91 98.25 Td (pr) Tj ET Q q 0 0 0 rg BT 221.43 98.25 Td (eferr) Tj ET Q q 0 0 0 rg BT 240.50 98.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 252.43 98.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 275.46 98.25 Td (and ) Tj ET Q q 0 0 0 rg BT 292.95 98.25 Td (total ) Tj ET Q q 0 0 0 rg BT 313.77 98.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 356.81 98.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 383.18 98.25 Td (divided ) Tj ET Q q 0 0 0 rg BT 415.10 98.25 Td (by ) Tj ET Q q 0 0 0 rg BT 427.03 98.25 Td (total ) Tj ET Q q 0 0 0 rg BT 447.85 98.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 474.23 98.25 Td (minus ) Tj ET Q q 0 0 0 rg BT 500.61 98.25 Td (total ) Tj ET Q q 0 0 0 rg BT 521.43 98.25 Td (intangible ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 86.25 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 65.25 Td (Please ) Tj ET Q q 0 0 0 rg BT 77.76 65.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 98.85 65.25 Td (to ) Tj ET Q q 0 0 0 rg BT 108.84 65.25 Td (the ) Tj ET Q q 0 0 0 rg BT 123.28 65.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 178.27 65.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 209.93 65.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.48 65.25 Td (Operations ) Tj ET Q q 0 0 0 rg BT 266.57 65.25 Td (section ) Tj ET Q q 0 0 0 rg BT 297.11 65.25 Td (later ) Tj ET Q q 0 0 0 rg BT 317.09 65.25 Td (in ) Tj ET Q q 0 0 0 rg BT 327.09 65.25 Td (this ) Tj ET Q q 0 0 0 rg BT 343.75 65.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 387.64 65.25 Td (for ) Tj ET Q q 0 0 0 rg BT 401.52 65.25 Td (an ) Tj ET Q q 0 0 0 rg BT 413.17 65.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 447.61 65.25 Td (of ) Tj ET Q q 0 0 0 rg BT 458.15 65.25 Td (the ) Tj ET Q q 0 0 0 rg BT 472.59 65.25 Td (Company) Tj ET Q q 0 0 0 rg BT 514.25 65.25 Td (s ) Tj ET Q q 0 0 0 rg BT 520.36 65.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 53.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 53.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.88 53.25 Td (past ) Tj ET Q q 0 0 0 rg BT 97.49 53.25 Td (three ) Tj ET Q q 0 0 0 rg BT 119.97 53.25 Td (years.) Tj ET Q endstream endobj 89 0 obj <> endobj 90 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (44) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (NON-GAAP) Tj ET Q q 0 0 0 rg BT 103.33 742.25 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 161.95 742.25 Td ( MEASURES/RA) Tj ET Q q 0 0 0 rg BT 236.49 742.25 Td (TIOS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 713.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.08 713.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 114.49 713.25 Td (and ) Tj ET Q q 0 0 0 rg BT 131.46 713.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 170.65 713.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 204.29 713.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.97 713.25 Td (W) Tj ET Q q 0 0 0 rg BT 224.01 713.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 252.10 713.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 288.51 713.25 Td (to ) Tj ET Q q 0 0 0 rg BT 298.82 713.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 338.56 713.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 376.06 713.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 422.47 713.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 464.44 713.25 Td (\(GAAP\) ) Tj ET Q q 0 0 0 rg BT 509.73 713.25 Td (in ) Tj ET Q q 0 0 0 rg BT 520.05 713.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.80 713.25 Td (United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 701.25 Td (States ) Tj ET Q q 0 0 0 rg BT 76.68 701.25 Td (and ) Tj ET Q q 0 0 0 rg BT 93.91 701.25 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 137.25 701.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 175.58 701.25 Td (in ) Tj ET Q q 0 0 0 rg BT 186.15 701.25 Td (the ) Tj ET Q q 0 0 0 rg BT 201.16 701.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 236.17 701.25 Td (industry) Tj ET Q q 0 0 0 rg BT 268.30 701.25 Td (. ) Tj ET Q q 0 0 0 rg BT 273.60 701.25 Td (However) Tj ET Q q 0 0 0 rg BT 309.85 701.25 Td (, ) Tj ET Q q 0 0 0 rg BT 315.14 701.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 345.14 701.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 390.32 701.25 Td ( ) Tj ET Q q 0 0 0 rg BT 393.12 701.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 446.43 701.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 486.44 701.25 Td (and ) Tj ET Q q 0 0 0 rg BT 503.67 701.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 528.68 701.25 Td (are ) Tj ET Q q 0 0 0 rg BT 543.68 701.25 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 689.25 Td (by ) Tj ET Q q 0 0 0 rg BT 63.81 689.25 Td (management ) Tj ET Q q 0 0 0 rg BT 118.70 689.25 Td (to ) Tj ET Q q 0 0 0 rg BT 130.29 689.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 167.41 689.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.65 689.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 222.77 689.25 Td (the ) Tj ET Q q 0 0 0 rg BT 238.80 689.25 Td (Company) Tj ET Q q 0 0 0 rg BT 280.46 689.25 Td (s ) Tj ET Q q 0 0 0 rg BT 288.16 689.25 Td (performance. ) Tj ET Q q 0 0 0 rg BT 344.72 689.25 Td (These ) Tj ET Q q 0 0 0 rg BT 372.40 689.25 Td (include ) Tj ET Q q 0 0 0 rg BT 405.64 689.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 483.30 689.25 Td (net ) Tj ET Q q 0 0 0 rg BT 499.33 689.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.57 689.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 94.44 677.25 Td (its ) Tj ET Q q 0 0 0 rg BT 107.22 677.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 151.10 677.25 Td (components\), ) Tj ET Q q 0 0 0 rg BT 208.59 677.25 Td (net ) Tj ET Q q 0 0 0 rg BT 224.14 677.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 256.90 677.25 Td (mar) Tj ET Q q 0 0 0 rg BT 272.27 677.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 288.38 677.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 332.82 677.25 Td (its ) Tj ET Q q 0 0 0 rg BT 345.60 677.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 389.48 677.25 Td (components\), ) Tj ET Q q 0 0 0 rg BT 446.97 677.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.52 677.25 Td (ef) Tj ET Q q 0 0 0 rg BT 470.11 677.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 505.64 677.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 529.80 677.25 Td (tangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.25 Td (common ) Tj ET Q q 0 0 0 rg BT 87.45 665.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 114.90 665.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 138.18 665.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 172.85 665.25 Td (common ) Tj ET Q q 0 0 0 rg BT 210.30 665.25 Td (book ) Tj ET Q q 0 0 0 rg BT 232.76 665.25 Td (value ) Tj ET Q q 0 0 0 rg BT 256.87 665.25 Td (per ) Tj ET Q q 0 0 0 rg BT 272.09 665.25 Td (share ) Tj ET Q q 0 0 0 rg BT 295.65 665.25 Td (and ) Tj ET Q q 0 0 0 rg BT 312.54 665.25 Td (return ) Tj ET Q q 0 0 0 rg BT 338.88 665.25 Td (on ) Tj ET Q q 0 0 0 rg BT 351.33 665.25 Td (average ) Tj ET Q q 0 0 0 rg BT 384.87 665.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 419.54 665.25 Td (common ) Tj ET Q q 0 0 0 rg BT 456.99 665.25 Td (equity) Tj ET Q q 0 0 0 rg BT 481.34 665.25 Td (. ) Tj ET Q q 0 0 0 rg BT 486.29 665.25 Td (In ) Tj ET Q q 0 0 0 rg BT 497.08 665.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 534.81 665.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 90.74 653.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 130.93 653.25 Td (and ) Tj ET Q q 0 0 0 rg BT 148.35 653.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 173.55 653.25 Td (are ) Tj ET Q q 0 0 0 rg BT 188.74 653.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 225.04 653.25 Td (for ) Tj ET Q q 0 0 0 rg BT 239.69 653.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 286.55 653.25 Td (and ) Tj ET Q q 0 0 0 rg BT 303.97 653.25 Td (non-operating ) Tj ET Q q 0 0 0 rg BT 363.04 653.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 421.56 653.25 Td (char) Tj ET Q q 0 0 0 rg BT 438.59 653.25 Td (ges. ) Tj ET Q q 0 0 0 rg BT 457.19 653.25 Td (These ) Tj ET Q q 0 0 0 rg BT 484.04 653.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 524.79 653.25 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.25 641.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 92.29 641.25 Td (include ) Tj ET Q q 0 0 0 rg BT 124.54 641.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 165.12 641.25 Td (net ) Tj ET Q q 0 0 0 rg BT 180.15 641.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 214.90 641.25 Td (the ) Tj ET Q q 0 0 0 rg BT 229.93 641.25 Td (ef) Tj ET Q q 0 0 0 rg BT 237.52 641.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 272.54 641.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 296.18 641.25 Td (the ) Tj ET Q q 0 0 0 rg BT 311.22 641.25 Td (net ) Tj ET Q q 0 0 0 rg BT 326.25 641.25 Td (overhead ) Tj ET Q q 0 0 0 rg BT 365.71 641.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 389.35 641.25 Td (return ) Tj ET Q q 0 0 0 rg BT 416.05 641.25 Td (on ) Tj ET Q q 0 0 0 rg BT 428.86 641.25 Td (average ) Tj ET Q q 0 0 0 rg BT 462.76 641.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 491.41 641.25 Td (return ) Tj ET Q q 0 0 0 rg BT 518.10 641.25 Td (on ) Tj ET Q q 0 0 0 rg BT 530.92 641.25 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 629.25 Td (common ) Tj ET Q q 0 0 0 rg BT 87.22 629.25 Td (equity) Tj ET Q q 0 0 0 rg BT 111.56 629.25 Td (, ) Tj ET Q q 0 0 0 rg BT 116.29 629.25 Td (return ) Tj ET Q q 0 0 0 rg BT 142.39 629.25 Td (on ) Tj ET Q q 0 0 0 rg BT 154.61 629.25 Td (average ) Tj ET Q q 0 0 0 rg BT 187.92 629.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 222.36 629.25 Td (common ) Tj ET Q q 0 0 0 rg BT 259.58 629.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 286.80 629.25 Td (and ) Tj ET Q q 0 0 0 rg BT 303.46 629.25 Td (net ) Tj ET Q q 0 0 0 rg BT 317.90 629.25 Td (income ) Tj ET Q q 0 0 0 rg BT 349.56 629.25 Td (per ) Tj ET Q q 0 0 0 rg BT 364.55 629.25 Td (diluted ) Tj ET Q q 0 0 0 rg BT 394.55 629.25 Td (common ) Tj ET Q q 0 0 0 rg BT 431.77 629.25 Td (share. ) Tj ET Q q 0 0 0 rg BT 457.59 629.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 512.02 629.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 547.00 629.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 617.25 Td (these ) Tj ET Q q 0 0 0 rg BT 73.26 617.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 113.18 617.25 Td (and ) Tj ET Q q 0 0 0 rg BT 130.33 617.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 155.26 617.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 188.53 617.25 Td (users ) Tj ET Q q 0 0 0 rg BT 211.79 617.25 Td (of ) Tj ET Q q 0 0 0 rg BT 222.83 617.25 Td (the ) Tj ET Q q 0 0 0 rg BT 237.77 617.25 Td (Company) Tj ET Q q 0 0 0 rg BT 279.43 617.25 Td (s ) Tj ET Q q 0 0 0 rg BT 286.04 617.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 323.73 617.25 Td (information ) Tj ET Q q 0 0 0 rg BT 373.66 617.25 Td (a ) Tj ET Q q 0 0 0 rg BT 380.81 617.25 Td (more ) Tj ET Q q 0 0 0 rg BT 404.07 617.25 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 452.33 617.25 Td (view ) Tj ET Q q 0 0 0 rg BT 474.48 617.25 Td (of ) Tj ET Q q 0 0 0 rg BT 485.52 617.25 Td (the ) Tj ET Q q 0 0 0 rg BT 500.45 617.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 553.69 617.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 605.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.86 605.25 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 132.26 605.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 159.24 605.25 Td (and ) Tj ET Q q 0 0 0 rg BT 177.32 605.25 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 243.72 605.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 284.58 605.25 Td (and ) Tj ET Q q 0 0 0 rg BT 302.66 605.25 Td (of ) Tj ET Q q 0 0 0 rg BT 314.64 605.25 Td (the ) Tj ET Q q 0 0 0 rg BT 330.50 605.25 Td (Company) Tj ET Q q 0 0 0 rg BT 372.17 605.25 Td (s ) Tj ET Q q 0 0 0 rg BT 379.71 605.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 421.12 605.25 Td (ef) Tj ET Q q 0 0 0 rg BT 428.71 605.25 Td (ficiency) Tj ET Q q 0 0 0 rg BT 460.26 605.25 Td (. ) Tj ET Q q 0 0 0 rg BT 466.40 605.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 492.82 605.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 531.45 605.25 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 593.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 95.26 593.25 Td (may ) Tj ET Q q 0 0 0 rg BT 114.98 593.25 Td (define ) Tj ET Q q 0 0 0 rg BT 142.47 593.25 Td (or ) Tj ET Q q 0 0 0 rg BT 153.30 593.25 Td (calculate ) Tj ET Q q 0 0 0 rg BT 191.32 593.25 Td (these ) Tj ET Q q 0 0 0 rg BT 214.37 593.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 254.08 593.25 Td (and ) Tj ET Q q 0 0 0 rg BT 271.02 593.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 295.73 593.25 Td (dif) Tj ET Q q 0 0 0 rg BT 306.66 593.25 Td (ferently) Tj ET Q q 0 0 0 rg BT 337.10 593.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.89 572.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 138.68 572.25 Td (yields ) Tj ET Q q 0 0 0 rg BT 165.26 572.25 Td (on ) Tj ET Q q 0 0 0 rg BT 177.96 572.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 207.85 572.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 229.98 572.25 Td (categories ) Tj ET Q q 0 0 0 rg BT 273.20 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 290.33 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 305.24 572.25 Td (net ) Tj ET Q q 0 0 0 rg BT 320.15 572.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 352.28 572.25 Td (mar) Tj ET Q q 0 0 0 rg BT 367.64 572.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 383.11 572.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.14 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.04 572.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 450.62 572.25 Td (and ) Tj ET Q q 0 0 0 rg BT 467.75 572.25 Td (its ) Tj ET Q q 0 0 0 rg BT 479.89 572.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 514.80 572.25 Td (subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 560.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.37 560.25 Td (a ) Tj ET Q q 0 0 0 rg BT 69.18 560.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 90.44 560.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 166.66 560.25 Td (\(FTE\) ) Tj ET Q q 0 0 0 rg BT 202.35 560.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 227.22 560.25 Td (In ) Tj ET Q q 0 0 0 rg BT 237.92 560.25 Td (this ) Tj ET Q q 0 0 0 rg BT 254.74 560.25 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 299.92 560.25 Td ( ) Tj ET Q q 0 0 0 rg BT 302.29 560.25 Td (presentation, ) Tj ET Q q 0 0 0 rg BT 356.04 560.25 Td (net ) Tj ET Q q 0 0 0 rg BT 370.62 560.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 402.43 560.25 Td (income ) Tj ET Q q 0 0 0 rg BT 434.23 560.25 Td (is ) Tj ET Q q 0 0 0 rg BT 443.27 560.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 478.97 560.25 Td (to ) Tj ET Q q 0 0 0 rg BT 489.12 560.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 517.02 560.25 Td (tax-exempt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 548.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.27 548.25 Td (income ) Tj ET Q q 0 0 0 rg BT 114.54 548.25 Td (on ) Tj ET Q q 0 0 0 rg BT 127.38 548.25 Td (an ) Tj ET Q q 0 0 0 rg BT 139.65 548.25 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 184.14 548.25 Td (before-tax ) Tj ET Q q 0 0 0 rg BT 228.06 548.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 253.19 548.25 Td (This ) Tj ET Q q 0 0 0 rg BT 273.80 548.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 309.95 548.25 Td (ensures ) Tj ET Q q 0 0 0 rg BT 342.78 548.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 401.15 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 412.32 548.25 Td (net ) Tj ET Q q 0 0 0 rg BT 427.37 548.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 459.64 548.25 Td (income ) Tj ET Q q 0 0 0 rg BT 491.91 548.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 521.96 548.25 Td (from ) Tj ET Q q 0 0 0 rg BT 544.24 548.25 Td (both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 536.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 81.61 536.25 Td (and ) Tj ET Q q 0 0 0 rg BT 98.79 536.25 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 146.52 536.25 Td (sources. ) Tj ET Q q 0 0 0 rg BT 181.75 536.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 198.93 536.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 231.10 536.25 Td (income ) Tj ET Q q 0 0 0 rg BT 263.28 536.25 Td (on ) Tj ET Q q 0 0 0 rg BT 276.02 536.25 Td (a ) Tj ET Q q 0 0 0 rg BT 283.20 536.25 Td (FTE ) Tj ET Q q 0 0 0 rg BT 303.72 536.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 326.46 536.25 Td (is ) Tj ET Q q 0 0 0 rg BT 335.87 536.25 Td (also ) Tj ET Q q 0 0 0 rg BT 354.72 536.25 Td (used ) Tj ET Q q 0 0 0 rg BT 375.80 536.25 Td (in ) Tj ET Q q 0 0 0 rg BT 386.32 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 401.27 536.25 Td (calculation ) Tj ET Q q 0 0 0 rg BT 447.88 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 458.96 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 473.91 536.25 Td (Company) Tj ET Q q 0 0 0 rg BT 515.58 536.25 Td (s ) Tj ET Q q 0 0 0 rg BT 522.21 536.25 Td (ef) Tj ET Q q 0 0 0 rg BT 529.80 536.25 Td (ficiency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.25 Td (ratio. ) Tj ET Q q 0 0 0 rg BT 74.10 524.25 Td (The ) Tj ET Q q 0 0 0 rg BT 93.18 524.25 Td (ef) Tj ET Q q 0 0 0 rg BT 100.77 524.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 136.50 524.25 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 160.86 524.25 Td (which ) Tj ET Q q 0 0 0 rg BT 188.83 524.25 Td (is ) Tj ET Q q 0 0 0 rg BT 199.03 524.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 243.09 524.25 Td (by ) Tj ET Q q 0 0 0 rg BT 256.62 524.25 Td (dividing ) Tj ET Q q 0 0 0 rg BT 293.49 524.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 344.78 524.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 380.52 524.25 Td (by ) Tj ET Q q 0 0 0 rg BT 394.05 524.25 Td (total ) Tj ET Q q 0 0 0 rg BT 415.36 524.25 Td (taxable-equivalent ) Tj ET Q q 0 0 0 rg BT 492.74 524.25 Td (net ) Tj ET Q q 0 0 0 rg BT 508.49 524.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 543.67 524.25 Td (\(less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.34 512.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 114.03 512.25 Td (or ) Tj ET Q q 0 0 0 rg BT 124.94 512.25 Td (losses\), ) Tj ET Q q 0 0 0 rg BT 157.24 512.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 197.03 512.25 Td (how ) Tj ET Q q 0 0 0 rg BT 216.83 512.25 Td (much ) Tj ET Q q 0 0 0 rg BT 241.63 512.25 Td (it ) Tj ET Q q 0 0 0 rg BT 249.76 512.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 272.34 512.25 Td (to ) Tj ET Q q 0 0 0 rg BT 282.70 512.25 Td (produce ) Tj ET Q q 0 0 0 rg BT 317.49 512.25 Td (one ) Tj ET Q q 0 0 0 rg BT 334.50 512.25 Td (dollar ) Tj ET Q q 0 0 0 rg BT 360.41 512.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.32 512.25 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 408.04 512.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 450.06 512.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 473.75 512.25 Td (or ) Tj ET Q q 0 0 0 rg BT 484.66 512.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 511.13 512.25 Td (are ) Tj ET Q q 0 0 0 rg BT 525.91 512.25 Td (excluded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.99 500.25 Td (this ) Tj ET Q q 0 0 0 rg BT 88.98 500.25 Td (calculation ) Tj ET Q q 0 0 0 rg BT 135.40 500.25 Td (to ) Tj ET Q q 0 0 0 rg BT 145.73 500.25 Td (better ) Tj ET Q q 0 0 0 rg BT 171.04 500.25 Td (match ) Tj ET Q q 0 0 0 rg BT 198.02 500.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 232.22 500.25 Td (from ) Tj ET Q q 0 0 0 rg BT 254.20 500.25 Td (daily ) Tj ET Q q 0 0 0 rg BT 276.75 500.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 320.95 500.25 Td (to ) Tj ET Q q 0 0 0 rg BT 331.28 500.25 Td (operational ) Tj ET Q q 0 0 0 rg BT 378.81 500.25 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 419.96 500.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 474.71 500.25 Td (considers ) Tj ET Q q 0 0 0 rg BT 515.02 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.79 500.25 Td (tangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.25 Td (common ) Tj ET Q q 0 0 0 rg BT 87.06 488.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 114.13 488.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 134.52 488.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.03 488.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 185.31 488.25 Td (book ) Tj ET Q q 0 0 0 rg BT 207.38 488.25 Td (value ) Tj ET Q q 0 0 0 rg BT 231.11 488.25 Td (per ) Tj ET Q q 0 0 0 rg BT 245.94 488.25 Td (common ) Tj ET Q q 0 0 0 rg BT 283.01 488.25 Td (share ) Tj ET Q q 0 0 0 rg BT 306.18 488.25 Td (as ) Tj ET Q q 0 0 0 rg BT 316.58 488.25 Td (useful ) Tj ET Q q 0 0 0 rg BT 343.08 488.25 Td (measurements ) Tj ET Q q 0 0 0 rg BT 402.36 488.25 Td (of ) Tj ET Q q 0 0 0 rg BT 412.75 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 427.04 488.25 Td (Company) Tj ET Q q 0 0 0 rg BT 468.71 488.25 Td (s ) Tj ET Q q 0 0 0 rg BT 474.67 488.25 Td (equity) Tj ET Q q 0 0 0 rg BT 499.01 488.25 Td (. ) Tj ET Q q 0 0 0 rg BT 503.58 488.25 Td ( ) Tj ET Q q 0 0 0 rg BT 505.50 488.25 Td (The ) Tj ET Q q 0 0 0 rg BT 523.12 488.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.25 Td (references ) Tj ET Q q 0 0 0 rg BT 93.42 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.99 476.25 Td (return ) Tj ET Q q 0 0 0 rg BT 134.21 476.25 Td (on ) Tj ET Q q 0 0 0 rg BT 146.56 476.25 Td (average ) Tj ET Q q 0 0 0 rg BT 180.00 476.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 214.56 476.25 Td (common ) Tj ET Q q 0 0 0 rg BT 251.90 476.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 279.24 476.25 Td (as ) Tj ET Q q 0 0 0 rg BT 289.92 476.25 Td (a ) Tj ET Q q 0 0 0 rg BT 296.71 476.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 352.37 476.25 Td (of ) Tj ET Q q 0 0 0 rg BT 363.05 476.25 Td (profitability) Tj ET Q q 0 0 0 rg BT 410.17 476.25 Td (. ) Tj ET Q q 0 0 0 rg BT 415.01 476.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 469.57 476.25 Td (considers ) Tj ET Q q 0 0 0 rg BT 509.68 476.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 549.79 476.25 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 464.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 85.24 464.25 Td (which ) Tj ET Q q 0 0 0 rg BT 112.98 464.25 Td (is ) Tj ET Q q 0 0 0 rg BT 122.96 464.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 159.58 464.25 Td (net ) Tj ET Q q 0 0 0 rg BT 175.10 464.25 Td (income ) Tj ET Q q 0 0 0 rg BT 207.84 464.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 250.58 464.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 297.77 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 315.51 464.25 Td (non-operating ) Tj ET Q q 0 0 0 rg BT 374.91 464.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 433.76 464.25 Td (char) Tj ET Q q 0 0 0 rg BT 450.79 464.25 Td (ges, ) Tj ET Q q 0 0 0 rg BT 469.92 464.25 Td (as ) Tj ET Q q 0 0 0 rg BT 481.56 464.25 Td (a ) Tj ET Q q 0 0 0 rg BT 489.30 464.25 Td (useful ) Tj ET Q q 0 0 0 rg BT 517.05 464.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 553.67 464.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 90.30 452.25 Td (performance. ) Tj ET Q q 0 0 0 rg BT 145.86 452.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.84 452.25 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 197.04 452.25 Td (related ) Tj ET Q q 0 0 0 rg BT 226.78 452.25 Td (char) Tj ET Q q 0 0 0 rg BT 243.80 452.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 259.67 452.25 Td (are ) Tj ET Q q 0 0 0 rg BT 274.41 452.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 308.04 452.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 330.58 452.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 366.43 452.25 Td (by ) Tj ET Q q 0 0 0 rg BT 378.97 452.25 Td (the ) Tj ET Q q 0 0 0 rg BT 393.72 452.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 435.15 452.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.01 452.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.99 452.25 Td (result ) Tj ET Q q 0 0 0 rg BT 477.74 452.25 Td (of ) Tj ET Q q 0 0 0 rg BT 488.61 452.25 Td (an ) Tj ET Q q 0 0 0 rg BT 500.58 452.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 547.00 452.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.49 440.25 Td (not ) Tj ET Q q 0 0 0 rg BT 79.55 440.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 117.37 440.25 Td (to ) Tj ET Q q 0 0 0 rg BT 127.43 440.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 164.15 440.25 Td (in ) Tj ET Q q 0 0 0 rg BT 174.21 440.25 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 220.94 440.25 Td (periods. ) Tj ET Q q 0 0 0 rg BT 255.16 440.25 Td (Non-operating ) Tj ET Q q 0 0 0 rg BT 315.76 440.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 373.58 440.25 Td (char) Tj ET Q q 0 0 0 rg BT 390.61 440.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 406.22 440.25 Td (are ) Tj ET Q q 0 0 0 rg BT 420.72 440.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 450.20 440.25 Td (salary ) Tj ET Q q 0 0 0 rg BT 476.36 440.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.09 440.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 534.24 440.25 Td (benefit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 428.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.59 428.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 108.50 428.25 Td (that ) Tj ET Q q 0 0 0 rg BT 126.08 428.25 Td (are ) Tj ET Q q 0 0 0 rg BT 140.88 428.25 Td (not ) Tj ET Q q 0 0 0 rg BT 156.25 428.25 Td (related ) Tj ET Q q 0 0 0 rg BT 186.04 428.25 Td (to ) Tj ET Q q 0 0 0 rg BT 196.41 428.25 Td (current ) Tj ET Q q 0 0 0 rg BT 227.31 428.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 267.67 428.25 Td (services ) Tj ET Q q 0 0 0 rg BT 302.47 428.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 340.60 428.25 Td (by ) Tj ET Q q 0 0 0 rg BT 353.19 428.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 398.55 428.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.47 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.27 428.25 Td (Company) Tj ET Q q 0 0 0 rg BT 462.51 428.25 Td (. ) Tj ET Q q 0 0 0 rg BT 467.42 428.25 Td (The ) Tj ET Q q 0 0 0 rg BT 485.55 428.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 527.03 428.25 Td (excludes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 96.67 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.89 416.25 Td (non-operating ) Tj ET Q q 0 0 0 rg BT 172.78 416.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 231.10 416.25 Td (char) Tj ET Q q 0 0 0 rg BT 248.13 416.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 264.25 416.25 Td (from ) Tj ET Q q 0 0 0 rg BT 286.47 416.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 322.58 416.25 Td (net ) Tj ET Q q 0 0 0 rg BT 337.58 416.25 Td (income ) Tj ET Q q 0 0 0 rg BT 369.80 416.25 Td (as ) Tj ET Q q 0 0 0 rg BT 380.92 416.25 Td (well ) Tj ET Q q 0 0 0 rg BT 400.92 416.25 Td (as ) Tj ET Q q 0 0 0 rg BT 412.04 416.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 442.03 416.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 482.58 416.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 522.57 416.25 Td (and ) Tj ET Q q 0 0 0 rg BT 539.80 416.25 Td (ratios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 404.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 74.72 404.25 Td (above ) Tj ET Q q 0 0 0 rg BT 101.09 404.25 Td (to ) Tj ET Q q 0 0 0 rg BT 111.37 404.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 144.42 404.25 Td (better ) Tj ET Q q 0 0 0 rg BT 169.68 404.25 Td (comparability ) Tj ET Q q 0 0 0 rg BT 227.72 404.25 Td (between ) Tj ET Q q 0 0 0 rg BT 263.54 404.25 Td (periods.) Tj ET Q endstream endobj 91 0 obj <> endobj 92 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (45) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.70 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.75 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 133.33 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 169.26 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 176.85 742.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 234.98 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.47 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 276.83 742.10 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 322.01 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 325.17 742.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 378.85 742.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 419.21 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.80 742.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 462.18 742.10 Td (used ) Tj ET Q q 0 0 0 rg BT 483.66 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 496.82 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.19 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 554.23 742.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 86.47 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.06 730.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 140.53 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.91 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 197.57 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 204.62 730.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 258.30 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.24 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.61 730.10 Td (most ) Tj ET Q q 0 0 0 rg BT 307.21 730.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 340.91 730.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 390.71 730.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 417.57 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.72 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 458.86 730.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 499.22 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.04 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.41 730.10 Td (last ) Tj ET Q q 0 0 0 rg BT 546.46 730.10 Td (five ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (years.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 666.00 217.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 666.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 666.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 666.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 666.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 666.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 666.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 666.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 666.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 666.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 666.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 645.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 645.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 645.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 645.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 645.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 645.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 645.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 645.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 645.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 645.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 645.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 625.00 217.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 625.00 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 625.00 55.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 625.00 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 625.00 55.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 625.00 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 625.00 55.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 625.00 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 625.00 55.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 625.00 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 625.00 55.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 606.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 606.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 606.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 606.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 606.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 606.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 606.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 606.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 606.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 606.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 606.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 584.00 217.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 584.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 584.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 584.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 584.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 584.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 584.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 584.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 584.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 584.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 584.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 561.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 561.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 561.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 561.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 561.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 561.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 561.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 561.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 561.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 561.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 561.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 540.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 540.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 540.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 540.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 540.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 540.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 540.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 540.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 540.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 540.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 540.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 511.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 511.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 511.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 511.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 511.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 511.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 511.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 511.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 511.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 511.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 511.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 482.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 482.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 482.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 482.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 482.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 482.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 482.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 482.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 482.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 482.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 482.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 462.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 462.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 462.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 462.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 462.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 462.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 462.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 462.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 462.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 462.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 462.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 442.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 442.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 442.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 442.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 442.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 442.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 442.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 442.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 442.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 442.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 442.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 422.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 422.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 422.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 422.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 422.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 422.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 422.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 422.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 422.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 422.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 422.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 402.00 217.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 402.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 402.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 402.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 402.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 402.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 402.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 402.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 402.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 402.00 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 402.00 55.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 382.00 217.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 382.00 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 382.00 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 382.00 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 382.00 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 382.00 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 382.00 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 382.00 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 382.00 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 382.00 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 382.00 55.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 354.00 217.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 354.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 354.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 354.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 354.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 354.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 354.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 354.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 354.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 354.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 354.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 332.00 217.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 332.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 332.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 332.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 332.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 332.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 332.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 332.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 332.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 332.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 332.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 310.00 217.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 310.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 310.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 310.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 310.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 310.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 310.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 310.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 310.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 310.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 310.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 288.00 217.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 288.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 288.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 288.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 288.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 288.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 288.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 288.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 288.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 288.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 288.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 266.00 217.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 266.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 266.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 266.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 266.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 266.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 266.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 266.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 266.00 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 266.00 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 266.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 244.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 244.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 244.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 244.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 244.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 244.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 244.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 244.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 244.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 244.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 244.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 222.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 222.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 222.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 222.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 222.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 222.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 222.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 222.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 222.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 222.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 222.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 200.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 200.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 200.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 200.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 200.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 200.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 200.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 200.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 200.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 200.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 200.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 178.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 178.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 178.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 178.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 178.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 178.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 178.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 178.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 178.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 178.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 178.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 156.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 156.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 156.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 156.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 156.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 156.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 156.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 156.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 156.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 156.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 156.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 134.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 134.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 134.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 134.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 134.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 134.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 134.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 134.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 134.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 134.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 134.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 112.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 112.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 112.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 112.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 112.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 112.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 112.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 112.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 112.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 112.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 112.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 90.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 90.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 90.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 90.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 90.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 90.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 90.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 90.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 90.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 90.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 90.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 68.00 217.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 267.50 68.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 271.50 68.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 326.50 68.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 330.50 68.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 385.50 68.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 389.50 68.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 444.50 68.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 448.50 68.00 55.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 503.50 68.00 4.00 -11.00 re f /GS0 gs 1 1 1 rg /GS0 gs 507.50 68.00 55.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 698 m 267.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 698 m 271.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 698 m 326.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 688 m 326.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 698 m 330.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 688 m 330.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 698 m 385.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 688 m 385.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 698 m 389.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 688 m 389.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 698 m 444.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 688 m 444.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 698 m 448.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 688 m 448.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 698 m 503.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 688 m 503.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 698 m 507.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 688 m 507.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 698 m 562.5 698 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 688 m 562.5 688 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 676 m 267.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 676 m 271.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 676 m 326.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 676 m 330.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 676 m 385.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 676 m 389.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 676 m 444.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 676 m 448.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 676 m 503.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 676 m 507.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 676 m 562.5 676 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 616 m 326.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 616 m 330.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 616 m 385.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 616 m 389.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 616 m 444.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 616 m 448.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 616 m 503.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 616 m 507.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 616 m 562.5 616 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 596 m 326.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 596 m 330.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 596 m 385.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 596 m 389.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 596 m 444.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 596 m 448.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 596 m 503.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 596 m 507.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 596 m 562.5 596 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 584 m 326.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 584 m 330.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 584 m 385.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 584 m 389.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 584 m 444.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 584 m 448.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 584 m 503.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 584 m 507.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 584 m 562.5 584 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 572 m 326.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 572 m 330.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 572 m 385.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 572 m 389.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 572 m 444.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 572 m 448.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 572 m 503.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 572 m 507.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 572 m 562.5 572 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 432 m 326.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 432 m 330.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 432 m 385.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 432 m 389.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 432 m 444.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 432 m 448.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 432 m 503.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 432 m 507.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 432 m 562.5 432 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 422 m 326.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 422 m 330.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 422 m 385.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 422 m 389.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 422 m 444.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 422 m 448.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 422 m 503.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 422 m 507.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 422 m 562.5 422 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 402 m 326.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 402 m 330.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 402 m 385.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 402 m 389.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 402 m 444.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 402 m 448.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 402 m 503.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 402 m 507.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 402 m 562.5 402 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 392 m 326.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 392 m 330.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 392 m 385.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 392 m 389.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 392 m 444.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 392 m 448.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 392 m 503.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 392 m 507.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 392 m 562.5 392 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 332 m 326.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 332 m 444.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 332 m 448.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 332 m 503.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 332 m 507.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 332 m 562.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 321 m 326.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 332 m 330.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 321 m 330.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 332 m 385.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 321 m 385.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 332 m 389.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 321 m 389.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 332 m 444.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 321 m 444.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 332 m 448.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 321 m 448.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 332 m 503.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 321 m 503.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 332 m 507.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 321 m 507.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 332 m 562.5 332 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 321 m 562.5 321 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 299 m 326.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 288 m 326.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 299 m 330.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 288 m 330.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 299 m 385.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 288 m 385.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 299 m 389.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 288 m 389.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 299 m 444.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 288 m 444.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 299 m 448.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 288 m 448.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 299 m 503.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 288 m 503.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 299 m 507.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 288 m 507.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 299 m 562.5 299 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 288 m 562.5 288 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 255 m 267.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 255 m 271.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 255 m 326.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 255 m 330.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 255 m 385.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 255 m 389.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 255 m 444.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 255 m 448.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 255 m 503.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 255 m 507.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 255 m 562.5 255 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 45.5 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 45.5 m BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 690.65 Td () Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 376.30 690.76 Td (Years Ended December31,) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 680.05 Td (\(Dollars and shares in thousands, except per share data\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.50 680.06 Td (2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 346.95 680.05 Td (2014 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 362.70 683.22 Td (\(1\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.95 680.05 Td (2013 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 421.70 683.22 Td (\(1\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.95 680.05 Td (2012 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 480.70 683.22 Td (\(1\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.10 680.05 Td (201) Tj ET Q q 0 0 0 rg BT 534.34 680.05 Td (1 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 539.59 683.22 Td (\(1\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 668.76 Td (Calculation of Net Interest Margin and Efficiency Ratio) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 658.76 Td (\(A\) Interest Income \(GAAP\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 658.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 658.76 Td (718,464) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 658.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 658.65 Td (671,267) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 658.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 658.65 Td (630,709) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 658.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 658.65 Td (627,021) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 658.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 658.65 Td (605,793) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 647.65 Td (Taxable-equivalent adjustment:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 89.00 637.65 Td ( -Loans) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 637.76 Td (1,431) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 637.65 Td (1,128) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 427.65 637.65 Td (842) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 486.65 637.65 Td (576) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 545.65 637.65 Td (458) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 89.00 627.65 Td ( -Liquidity management assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 627.76 Td (3,221) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 627.65 Td (2,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.40 627.65 Td (1,407) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 627.65 Td (1,363) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 627.65 Td (1,224) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 89.00 617.70 Td ( -Other earning assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 312.00 617.81 Td (57) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 372.15 617.70 Td (41) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.15 617.70 Td (11) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 493.65 617.70 Td (8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 617.70 Td (12) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 608.65 Td (Interest Income FTE) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 608.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 608.76 Td (723,173) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 608.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 608.65 Td (674,436) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 608.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 608.65 Td (632,969) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 608.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 608.65 Td (628,968) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 608.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 608.65 Td (607,487) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 598.76 Td (\(B\) Interest Expense \(GAAP\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 299.75 598.76 Td (76,935) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 359.90 598.65 Td (72,692) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.90 598.65 Td (80,082) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 598.65 Td (107,505) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 598.65 Td (144,416) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 588.65 Td (Net interest income FTE) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 588.06 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 588.06 Td (646,238) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 588.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 588.05 Td (601,744) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 588.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 588.05 Td (552,887) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 588.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 588.05 Td (521,463) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 588.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 588.05 Td (463,071) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 576.76 Td (\(C\) Net Interest Income \(GAAP\) \(A minus B\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 576.06 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 576.06 Td (641,529) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 576.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 576.05 Td (598,575) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 576.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 576.05 Td (550,627) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 576.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 576.05 Td (519,516) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 576.05 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.40 576.05 Td (461,377) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 564.76 Td (\(D\) Net interest margin \(GAAP-derived\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 564.76 Td (3.34) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 564.76 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 564.65 Td (3.51) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 564.65 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 564.65 Td (3.49) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 564.65 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 564.65 Td (3.47) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 564.65 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 564.65 Td (3.41) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 564.65 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 553.65 Td (Net interest margin FTE) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 553.76 Td (3.36) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 553.65 Td (3.53) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 553.65 Td (3.50) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 553.65 Td (3.49) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 553.65 Td (3.42) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 543.76 Td (\(E\) Efficiency ratio \(GAAP-derived\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 543.76 Td (68.84) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 543.65 Td (67.15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.40 543.65 Td (64.76) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 543.65 Td (66.02) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 543.65 Td (64.75) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 532.65 Td (Efficiency ratio FTE) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 532.76 Td (68.49) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 532.65 Td (66.89) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.40 532.65 Td (64.57) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 532.65 Td (65.85) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 532.65 Td (64.58) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 522.65 Td (Efficiency ratio - Adjusted for acquisition and non-operating) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 515.65 Td (compensation charges) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 515.06 Td (67.01) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 515.05 Td (66.89) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.40 515.05 Td (64.57) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 515.05 Td (65.85) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 515.05 Td (64.58) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 503.76 Td (\(F\) Net overhead ratio \(GAAP\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 503.76 Td (1.70) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 503.65 Td (1.77) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 503.65 Td (1.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 503.65 Td (1.59) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 503.65 Td (1.55) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 493.65 Td (Net Overhead Ratio - Adjusted for acquisition and non-operating) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 68.00 486.65 Td (compensation charges) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 486.06 Td (1.63) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 486.05 Td (1.77) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 486.05 Td (1.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 486.05 Td (1.59) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 486.05 Td (1.55) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 474.76 Td (Calculation of Tangible Common Equity ratio \(at period end\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 464.65 Td (Total shareholders' equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 464.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.00 464.76 Td (2,352,274) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 464.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.15 464.65 Td (2,069,822) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 464.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.15 464.65 Td (1,900,589) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 464.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 469.15 464.65 Td (1,804,705) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 464.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 464.65 Td (1,543,533) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 454.65 Td (\(G\) Less: Convertible preferred stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 293.90 454.76 Td (\(126,287) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 454.76 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 354.05 454.70 Td (\(126,467) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 454.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.05 454.70 Td (\(126,477) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 454.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.05 454.70 Td (\(176,406) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 454.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 454.70 Td (\(49,768) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 454.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 444.65 Td (Less: Non-convertible preferred stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 293.90 444.76 Td (\(125,000) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 444.76 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 372.15 444.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.15 444.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 490.15 444.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 444.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 434.65 Td (Less: Intangible assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 293.90 434.76 Td (\(495,970) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 434.76 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 354.05 434.70 Td (\(424,445) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 434.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.05 434.70 Td (\(393,760) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 434.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.05 434.70 Td (\(366,348) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 434.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.05 434.70 Td (\(327,538) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 434.65 Td (\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 424.76 Td (\(H\) Total tangible common shareholders equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 424.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.00 424.76 Td (1,605,017) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 424.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.15 424.65 Td (1,518,910) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 424.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.15 424.65 Td (1,380,352) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 424.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 469.15 424.65 Td (1,261,951) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 424.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 424.65 Td (1,166,227) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 414.65 Td (Total assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 414.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 287.50 414.76 Td (22,917,166) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 414.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 347.65 414.65 Td (20,010,727) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 414.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.65 414.65 Td (18,097,783) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 414.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 465.65 414.65 Td (17,519,613) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 414.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 414.65 Td (15,893,808) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 404.65 Td (Less: Intangible assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 293.90 404.76 Td (\(495,970) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 404.76 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 354.05 404.70 Td (\(424,445) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 404.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.05 404.70 Td (\(393,760) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 404.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.05 404.70 Td (\(366,348) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 404.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.05 404.70 Td (\(327,538) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 404.65 Td (\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 394.76 Td (\(I\) Total tangible assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 394.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 287.50 394.76 Td (22,421,196) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 394.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 347.65 394.65 Td (19,586,282) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 394.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.65 394.65 Td (17,704,023) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 394.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 465.65 394.65 Td (17,153,265) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 394.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 394.65 Td (15,566,270) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 384.76 Td (Tangible common equity ratio \(H/I\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 310.25 384.76 Td (7.2) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 384.76 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 370.40 384.65 Td (7.8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 384.65 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 429.40 384.65 Td (7.8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 384.65 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 488.40 384.65 Td (7.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 384.65 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.40 384.65 Td (7.5) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 384.65 Td (%) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 374.76 Td (Tangible common equity ratio, assuming full conversion of preferred) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 367.76 Td (stock \(\(H-G\)/I\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 310.25 369.06 Td (7.7) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 370.40 369.05 Td (8.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 429.40 369.05 Td (8.5) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 488.40 369.05 Td (8.4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.40 369.05 Td (7.8) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 357.76 Td (Calculation of book value per common share) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 346.65 Td (Total shareholders equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 346.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.00 346.76 Td (2,352,274) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 346.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.15 346.65 Td (2,069,822) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 346.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.15 346.65 Td (1,900,589) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 346.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 469.15 346.65 Td (1,804,705) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 346.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 346.65 Td (1,543,533) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 335.65 Td (Less: Preferred stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 293.90 335.76 Td (\(251,287) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 335.76 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 354.05 335.70 Td (\(126,467) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 335.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.05 335.70 Td (\(126,477) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 335.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.05 335.70 Td (\(176,406) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 335.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 335.70 Td (\(49,768) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 335.65 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 324.65 Td (\(J\) Total common equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 324.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.00 324.76 Td (2,100,987) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 324.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.15 324.65 Td (1,943,355) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 324.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.15 324.65 Td (1,774,112) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 324.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 469.15 324.65 Td (1,628,299) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 324.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 324.65 Td (1,493,765) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 313.65 Td (Actual common shares outstanding) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 299.75 313.76 Td (48,383) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 359.90 313.65 Td (46,805) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.90 313.65 Td (46,117) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 477.90 313.65 Td (36,858) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 313.65 Td (35,978) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 302.65 Td (Add: TEU conversion shares) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 312.00 302.76 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 372.15 302.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.15 302.65 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 302.65 Td (6,241) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 302.65 Td (7,666) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 291.76 Td (\(K\) Common shares used for book value calculation) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 299.75 291.76 Td (48,383) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 359.90 291.65 Td (46,805) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.90 291.65 Td (46,117) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 477.90 291.65 Td (43,099) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 291.65 Td (43,644) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 280.76 Td (Book value per common share \(J/K\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 280.76 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 280.76 Td (43.42) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 280.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 280.65 Td (41.52) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 280.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.40 280.65 Td (38.47) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 280.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 280.65 Td (37.78) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 280.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 280.65 Td (34.23) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 269.76 Td (Tangible common book value per share \(H/K\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 269.76 Td (33.17) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 269.65 Td (32.45) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.40 269.65 Td (29.93) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 269.65 Td (29.28) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 269.65 Td (26.72) Tj ET Q endstream endobj 93 0 obj <> endobj 94 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 549.50 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 549.50 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 549.50 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 549.50 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 549.50 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 527.50 217.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 527.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 527.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 527.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 527.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 527.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 527.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 527.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 527.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 527.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 527.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 496.50 217.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 496.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 496.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 496.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 496.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 496.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 496.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 496.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 496.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 496.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 496.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 467.50 217.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 467.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 467.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 467.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 467.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 467.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 467.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 467.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 467.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 467.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 467.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 443.50 217.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 443.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 443.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 443.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 443.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 443.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 443.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 443.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 443.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 443.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 443.50 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 412.50 217.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 412.50 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 412.50 55.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 412.50 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 412.50 55.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 412.50 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 412.50 55.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 412.50 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 412.50 55.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 412.50 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 412.50 55.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 382.50 217.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 382.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 382.50 55.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 382.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 382.50 55.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 382.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 382.50 55.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 382.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 382.50 55.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 382.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 382.50 55.00 -19.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 743.5 m 267.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 743.5 m 271.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 743.5 m 326.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 732.5 m 326.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 743.5 m 330.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 732.5 m 330.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 743.5 m 385.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 732.5 m 385.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 743.5 m 389.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 732.5 m 389.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 743.5 m 444.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 732.5 m 444.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 743.5 m 448.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 732.5 m 448.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 743.5 m 503.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 732.5 m 503.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 743.5 m 507.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 732.5 m 507.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 743.5 m 562.5 743.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 732.5 m 562.5 732.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 720.5 m 267.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 720.5 m 271.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 720.5 m 326.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 720.5 m 330.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 720.5 m 385.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 720.5 m 389.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 720.5 m 444.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 720.5 m 448.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 720.5 m 503.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 720.5 m 507.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 720.5 m 562.5 720.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 687.5 m 326.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 687.5 m 330.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 687.5 m 385.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 687.5 m 389.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 687.5 m 444.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 687.5 m 448.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 687.5 m 503.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 687.5 m 507.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 687.5 m 562.5 687.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 593.5 m 326.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 593.5 m 330.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 593.5 m 385.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 593.5 m 389.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 593.5 m 444.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 593.5 m 448.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 593.5 m 503.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 593.5 m 507.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 593.5 m 562.5 593.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 560.5 m 326.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 560.5 m 330.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 560.5 m 385.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 560.5 m 389.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 560.5 m 444.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 560.5 m 448.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 560.5 m 503.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 560.5 m 507.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 560.5 m 562.5 560.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 538.5 m 326.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 538.5 m 330.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 538.5 m 385.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 538.5 m 389.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 538.5 m 444.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 538.5 m 448.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 538.5 m 503.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 538.5 m 507.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 538.5 m 562.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 431.5 m 326.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 431.5 m 330.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 431.5 m 385.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 431.5 m 389.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 431.5 m 444.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 431.5 m 448.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 431.5 m 503.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 431.5 m 507.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 431.5 m 562.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 363.5 m 267.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 363.5 m 271.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 363.5 m 326.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 363.5 m 330.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 363.5 m 385.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 363.5 m 389.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 363.5 m 444.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 363.5 m 448.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 363.5 m 503.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 363.5 m 507.5 363.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 363.5 m 562.5 363.5 l s BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 736.15 Td () Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 376.30 736.26 Td (Years Ended December31,) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 724.55 Td (\(Dollars and shares in thousands, except per share data\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.50 724.56 Td (2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 346.95 724.55 Td (2014 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 362.70 727.72 Td (\(1\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.95 724.55 Td (2013 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 421.70 727.72 Td (\(1\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.95 724.55 Td (2012 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 480.70 727.72 Td (\(1\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.10 724.55 Td (201) Tj ET Q q 0 0 0 rg BT 534.34 724.55 Td (1 ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 539.59 727.72 Td (\(1\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 713.26 Td (Calculation of return on average assets) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 702.15 Td (\(L\) Net income) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 702.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 702.26 Td (156,749) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 702.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 702.15 Td (151,398) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 702.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 702.15 Td (137,210) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 702.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 702.15 Td (111,196) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 702.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 702.15 Td (77,575) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 691.15 Td (Add: Acquisition and non-operating compensation charges, net of tax) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 691.26 Td (8,987) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 372.15 691.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.15 691.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 490.15 691.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 691.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 680.15 Td (\(M\) Operating net income) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 680.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 680.26 Td (165,736) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 680.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 680.15 Td (151,398) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 680.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 680.15 Td (137,210) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 680.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 680.15 Td (111,196) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 680.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 680.15 Td (77,575) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 669.15 Td (\(N\) Total average assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 669.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 287.50 669.26 Td (21,009,773) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 347.65 669.15 Td (18,699,458) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.65 669.15 Td (17,468,249) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 465.65 669.15 Td (16,529,617) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 669.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 524.65 669.15 Td (14,920,160) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 658.26 Td (Return on average assets, annualized \(L/N\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 658.26 Td (0.75) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 658.26 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 658.15 Td (0.81) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 658.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 658.15 Td (0.79) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 658.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 658.15 Td (0.67) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 658.15 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 658.15 Td (0.52) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 658.15 Td (%) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 647.26 Td (Return on average assets, adjusted for acquisition and non-operating) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 640.26 Td (compensation charges \(M/N\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 641.56 Td (0.79) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 641.55 Td (0.81) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 641.55 Td (0.79) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 641.55 Td (0.67) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 641.55 Td (0.52) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 630.26 Td (Calculation of return on average common equity) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 619.15 Td (\(O\) Net income applicable to common shares) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 619.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 619.26 Td (145,880) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 619.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 619.15 Td (145,075) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 619.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 619.15 Td (128,815) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 619.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 619.15 Td (102,103) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 619.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 619.15 Td (73,447) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 608.15 Td (\(P\) Add: Acquisition and non-operating compensation charges, net of tax) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 608.26 Td (8,987) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 372.15 608.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.15 608.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 490.15 608.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 608.15 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 597.15 Td (\(Q\) Add: After-tax intangible asset amortization) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 597.26 Td (2,879) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 597.15 Td (2,881) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.40 597.15 Td (2,828) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.40 597.15 Td (2,668) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 597.15 Td (2,076) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 586.15 Td (\(R\) Tangible operating net income applicable to common shares) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 586.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 586.26 Td (157,746) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 586.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 586.15 Td (147,956) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 586.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 586.15 Td (131,643) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 586.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 586.15 Td (104,771) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 586.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 586.15 Td (75,523) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 575.15 Td (Total average shareholders' equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 575.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.00 575.26 Td (2,232,989) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 575.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.15 575.15 Td (1,993,959) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 575.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.15 575.15 Td (1,856,706) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 575.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 469.15 575.15 Td (1,696,276) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 575.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 575.15 Td (1,484,720) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 564.15 Td (Less: Average preferred stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 293.90 564.26 Td (\(191,416) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 564.26 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 354.05 564.20 Td (\(126,471) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 564.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.05 564.20 Td (\(153,724) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 564.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.05 564.20 Td (\(149,373) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 564.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 564.20 Td (\(49,701) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 564.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 553.15 Td (\(S\) Total average common shareholders' equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 553.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.00 553.26 Td (2,041,573) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 553.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.15 553.15 Td (1,867,488) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 553.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.15 553.15 Td (1,702,982) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 553.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 469.15 553.15 Td (1,546,903) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 553.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 553.15 Td (1,435,019) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 542.15 Td (Less: Average intangible assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 293.90 542.26 Td (\(466,225) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 542.26 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 354.05 542.20 Td (\(408,642) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 542.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.05 542.20 Td (\(376,762) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 542.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.05 542.20 Td (\(342,969) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 542.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.05 542.20 Td (\(307,298) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 542.15 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 531.15 Td (\(T\) Total average tangible common shareholders equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 531.26 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.00 531.26 Td (1,575,348) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 531.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.15 531.15 Td (1,458,846) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 531.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.15 531.15 Td (1,326,220) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 531.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 469.15 531.15 Td (1,203,934) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 531.15 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 528.15 531.15 Td (1,127,721) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 520.26 Td (Return on average common equity \(O/S\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 519.56 Td (7.15) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 319.00 519.56 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 519.55 Td (7.77) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 379.15 519.55 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 519.55 Td (7.56) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 438.15 519.55 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 519.55 Td (6.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 497.15 519.55 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 519.55 Td (5.12) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 519.55 Td (%) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 508.26 Td (Return on average common equity, adjusted for acquisition and non-) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 501.26 Td (operating compensation charges \(\(O+P\)/S\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 500.56 Td (7.59) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 500.55 Td (7.77) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 500.55 Td (7.56) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 500.55 Td (6.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 500.55 Td (5.12) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 489.26 Td (Return on average tangible common equity \(\(O+Q\)/T\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 488.56 Td (9.44) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 488.55 Td (10.14) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 488.55 Td (9.93) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 488.55 Td (8.70) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 488.55 Td (6.70) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 477.26 Td (Return on average tangible common equity, adjusted for acquisition) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 470.26 Td (and non-operating compensation charges \(R/T\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 471.56 Td (10.01) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 363.40 471.55 Td (10.14) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 471.55 Td (9.93) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 471.55 Td (8.70) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 471.55 Td (6.70) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 460.26 Td (Calculation of net income per common share - diluted) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 448.15 Td (\(U\) Net income applicable to common shares - Diluted) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 447.56 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 447.56 Td (152,194) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 447.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 447.55 Td (151,398) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 447.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 447.55 Td (137,140) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 447.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 447.55 Td (111,058) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 447.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 447.55 Td (73,447) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 436.15 Td (Add: Acquisition and non-operating compensation charges, net of tax) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.25 435.56 Td (8,987) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 372.15 435.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.15 435.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 490.15 435.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.15 435.55 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 424.15 Td (\(V\) Net income applicable to common shares - Diluted, adjusted for) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 417.15 Td (acquisition and non-operating compensation charges) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 416.56 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 296.25 416.56 Td (161,186) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 416.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 356.40 416.55 Td (151,398) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 416.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.40 416.55 Td (137,140) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 416.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 474.40 416.55 Td (111,058) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 416.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 416.55 Td (73,447) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 405.15 Td (Weighted average common shares and effect of dilutive potential common) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 398.15 Td (shares \(W\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 299.75 398.56 Td (51,937) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 359.90 398.55 Td (50,845) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.90 398.55 Td (49,948) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 477.90 398.55 Td (48,034) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 398.55 Td (43,991) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 387.26 Td (Net income per common share - Diluted \(U/W\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 274.00 386.56 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 386.56 Td (2.93) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 333.00 386.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 386.55 Td (2.98) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 392.00 386.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 386.55 Td (2.75) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 451.00 386.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 386.55 Td (2.31) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.00 386.55 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 386.55 Td (1.67) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 375.26 Td (Net income per common share - Diluted, adjusted for acquisition and) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 368.26 Td (non-operating compensation charges \(V/W\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 306.75 367.56 Td (3.10) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 366.90 367.55 Td (2.98) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.90 367.55 Td (2.75) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.90 367.55 Td (2.31) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 367.55 Td (1.67) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 340.00 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 340.00 Td (The Company considers acquisition and non-operating compensation char) Tj ET Q q 0 0 0 rg BT 385.33 340.00 Td (ges incurr) Tj ET Q q 0 0 0 rg BT 425.79 340.00 Td (ed prior to 2015 to be ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 328.00 Td (insignificant.) Tj ET Q endstream endobj 95 0 obj <> endobj 96 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (47) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (OVER) Tj ET Q q 0 0 0 rg BT 78.54 742.25 Td (VIEW) Tj ET Q q 0 0 0 rg BT 106.14 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 108.09 742.25 Td (AND STRA) Tj ET Q q 0 0 0 rg BT 158.19 742.25 Td (TEGY) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 72.50 721.25 Td (Highlights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.86 700.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.05 700.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 146.34 700.25 Td (net ) Tj ET Q q 0 0 0 rg BT 160.86 700.25 Td (income ) Tj ET Q q 0 0 0 rg BT 192.61 700.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.25 700.25 Td ($156.7 ) Tj ET Q q 0 0 0 rg BT 233.06 700.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.95 700.25 Td ( ) Tj ET Q q 0 0 0 rg BT 264.26 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 278.23 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.75 700.25 Td (year ) Tj ET Q q 0 0 0 rg BT 312.27 700.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.91 700.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.91 700.25 Td ( ) Tj ET Q q 0 0 0 rg BT 345.22 700.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 386.95 700.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.04 700.25 Td ($151.4 ) Tj ET Q q 0 0 0 rg BT 426.85 700.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.74 700.25 Td ( ) Tj ET Q q 0 0 0 rg BT 458.05 700.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.80 700.25 Td ($137.2 ) Tj ET Q q 0 0 0 rg BT 504.61 700.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.50 700.25 Td ( ) Tj ET Q q 0 0 0 rg BT 535.81 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 549.78 700.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (years ) Tj ET Q q 0 0 0 rg BT 73.79 688.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.81 688.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.81 688.25 Td ( ) Tj ET Q q 0 0 0 rg BT 107.50 688.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.63 688.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.63 688.25 Td (, ) Tj ET Q q 0 0 0 rg BT 149.83 688.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 197.49 688.25 Td (. ) Tj ET Q q 0 0 0 rg BT 202.48 688.25 Td (The ) Tj ET Q q 0 0 0 rg BT 220.72 688.25 Td (results ) Tj ET Q q 0 0 0 rg BT 249.52 688.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.88 688.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.88 688.25 Td ( ) Tj ET Q q 0 0 0 rg BT 286.57 688.25 Td (demonstrate ) Tj ET Q q 0 0 0 rg BT 338.13 688.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 380.26 688.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 420.71 688.25 Td (strengths ) Tj ET Q q 0 0 0 rg BT 459.51 688.25 Td (including ) Tj ET Q q 0 0 0 rg BT 499.98 688.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 527.67 688.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 547.58 688.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 80.88 676.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 111.20 676.25 Td (driving ) Tj ET Q q 0 0 0 rg BT 142.08 676.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 169.62 676.25 Td (net ) Tj ET Q q 0 0 0 rg BT 183.82 676.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 215.25 676.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 249.17 676.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 288.92 676.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 328.67 676.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 362.88 676.25 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 399.02 676.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 426.56 676.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 444.65 676.25 Td (from ) Tj ET Q q 0 0 0 rg BT 466.08 676.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 499.71 676.25 Td (call ) Tj ET Q q 0 0 0 rg BT 516.14 676.25 Td (options ) Tj ET Q q 0 0 0 rg BT 547.58 676.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 89.16 664.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 121.09 664.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 138.57 664.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 165.52 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 182.46 664.25 Td (stable ) Tj ET Q q 0 0 0 rg BT 208.28 664.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 233.54 664.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 263.82 664.25 Td (metrics. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.10 643.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.55 643.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 149.86 643.25 Td (its ) Tj ET Q q 0 0 0 rg BT 161.86 643.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 181.63 643.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 221.68 643.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 263.67 643.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 297.88 643.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 324.04 643.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.04 643.25 Td ($14.4 ) Tj ET Q q 0 0 0 rg BT 371.09 643.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.20 643.25 Td ( ) Tj ET Q q 0 0 0 rg BT 399.76 643.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.53 643.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 468.17 643.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.17 643.25 Td ( ) Tj ET Q q 0 0 0 rg BT 490.73 643.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.06 643.25 Td ($17.1 ) Tj ET Q q 0 0 0 rg BT 526.12 643.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.23 643.25 Td ( ) Tj ET Q q 0 0 0 rg BT 554.79 643.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.52 631.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.52 631.25 Td (. ) Tj ET Q q 0 0 0 rg BT 131.36 631.25 Td (This ) Tj ET Q q 0 0 0 rg BT 150.58 631.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 184.77 631.25 Td (was ) Tj ET Q q 0 0 0 rg BT 201.77 631.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 240.42 631.25 Td (a ) Tj ET Q q 0 0 0 rg BT 246.30 631.25 Td (result ) Tj ET Q q 0 0 0 rg BT 269.95 631.25 Td (of ) Tj ET Q q 0 0 0 rg BT 279.73 631.25 Td (the ) Tj ET Q q 0 0 0 rg BT 293.38 631.25 Td (Company) Tj ET Q q 0 0 0 rg BT 335.05 631.25 Td (s ) Tj ET Q q 0 0 0 rg BT 340.38 631.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 389.02 631.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 422.67 631.25 Td (initiative, ) Tj ET Q q 0 0 0 rg BT 462.16 631.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 491.93 631.25 Td (in ) Tj ET Q q 0 0 0 rg BT 501.15 631.25 Td (the ) Tj ET Q q 0 0 0 rg BT 514.81 631.25 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (real ) Tj ET Q q 0 0 0 rg BT 67.23 619.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 92.24 619.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.92 619.25 Td (life ) Tj ET Q q 0 0 0 rg BT 124.49 619.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 165.05 619.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 203.40 619.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 235.07 619.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 282.29 619.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 323.42 619.25 Td (and ) Tj ET Q q 0 0 0 rg BT 340.10 619.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 390.12 619.25 Td (during ) Tj ET Q q 0 0 0 rg BT 418.47 619.25 Td (the ) Tj ET Q q 0 0 0 rg BT 432.94 619.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 463.07 619.25 Td (The ) Tj ET Q q 0 0 0 rg BT 480.86 619.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 521.99 619.25 Td (is ) Tj ET Q q 0 0 0 rg BT 530.90 619.25 Td (focused ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (on ) Tj ET Q q 0 0 0 rg BT 61.38 607.25 Td (making ) Tj ET Q q 0 0 0 rg BT 92.75 607.25 Td (new ) Tj ET Q q 0 0 0 rg BT 110.79 607.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 135.78 607.25 Td (including ) Tj ET Q q 0 0 0 rg BT 174.93 607.25 Td (in ) Tj ET Q q 0 0 0 rg BT 184.09 607.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.68 607.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 246.26 607.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.07 607.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 310.65 607.25 Td (real ) Tj ET Q q 0 0 0 rg BT 327.01 607.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 351.16 607.25 Td (sector) Tj ET Q q 0 0 0 rg BT 374.63 607.25 Td (, ) Tj ET Q q 0 0 0 rg BT 378.51 607.25 Td (where ) Tj ET Q q 0 0 0 rg BT 404.32 607.25 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 458.47 607.25 Td (that ) Tj ET Q q 0 0 0 rg BT 474.84 607.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 495.65 607.25 Td (our ) Tj ET Q q 0 0 0 rg BT 510.36 607.25 Td (underwriting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 90.28 595.25 Td (exist. ) Tj ET Q q 0 0 0 rg BT 114.17 595.25 Td ( ) Tj ET Q q 0 0 0 rg BT 116.68 595.25 Td (For ) Tj ET Q q 0 0 0 rg BT 133.09 595.25 Td (more ) Tj ET Q q 0 0 0 rg BT 156.14 595.25 Td (information ) Tj ET Q q 0 0 0 rg BT 205.86 595.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 246.69 595.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 281.41 595.25 Td (in ) Tj ET Q q 0 0 0 rg BT 291.69 595.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.42 595.25 Td (Company) Tj ET Q q 0 0 0 rg BT 348.09 595.25 Td (s ) Tj ET Q q 0 0 0 rg BT 354.49 595.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 374.21 595.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 414.22 595.25 Td (see ) Tj ET Q q 0 0 0 rg BT 429.50 595.25 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 471.45 595.25 Td (of ) Tj ET Q q 0 0 0 rg BT 482.29 595.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 522.01 595.25 Td (Condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td ( ) Tj ET Q q 0 0 0 rg BT 57.80 583.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 90.58 583.25 Td (Earning ) Tj ET Q q 0 0 0 rg BT 124.41 583.25 Td (Assets ) Tj ET Q q 0 0 0 rg BT 157.76 583.25 Td (and ) Tj ET Q q 0 0 0 rg BT 174.99 583.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 197.22 583.25 Td (4 ) Tj ET Q q 0 0 0 rg BT 205.02 583.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 241.13 583.25 Td (of ) Tj ET Q q 0 0 0 rg BT 252.26 583.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.27 583.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 322.84 583.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 362.84 583.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 409.52 583.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 450.63 583.25 Td (under ) Tj ET Q q 0 0 0 rg BT 476.20 583.25 Td (Item8 ) Tj ET Q q 0 0 0 rg BT 504.82 583.25 Td (of ) Tj ET Q q 0 0 0 rg BT 515.94 583.25 Td (this ) Tj ET Q q 0 0 0 rg BT 532.57 583.25 Td (Annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 79.72 571.25 Td (on ) Tj ET Q q 0 0 0 rg BT 92.22 571.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 116.39 571.25 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 105.41 550.25 Td (considers ) Tj ET Q q 0 0 0 rg BT 146.38 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 161.80 550.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 215.54 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.07 550.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 265.81 550.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 302.91 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 313.89 550.25 Td (be ) Tj ET Q q 0 0 0 rg BT 326.54 550.25 Td (important ) Tj ET Q q 0 0 0 rg BT 368.62 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 379.61 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 395.03 550.25 Td (management ) Tj ET Q q 0 0 0 rg BT 449.32 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.86 550.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 480.86 550.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 530.19 550.25 Td (, ) Tj ET Q q 0 0 0 rg BT 535.90 550.25 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 75.57 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.85 538.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 132.81 538.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 175.31 538.25 Td (its ) Tj ET Q q 0 0 0 rg BT 187.82 538.25 Td (practice ) Tj ET Q q 0 0 0 rg BT 222.53 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.93 538.25 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 284.77 538.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 333.37 538.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 367.54 538.25 Td (capacity ) Tj ET Q q 0 0 0 rg BT 403.92 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 414.77 538.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 448.38 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 463.67 538.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 505.62 538.25 Td (with ) Tj ET Q q 0 0 0 rg BT 526.47 538.25 Td (adequate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 85.19 526.25 Td (for ) Tj ET Q q 0 0 0 rg BT 98.14 526.25 Td (its ) Tj ET Q q 0 0 0 rg BT 108.89 526.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 142.96 526.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 188.41 526.25 Td (In ) Tj ET Q q 0 0 0 rg BT 198.04 526.25 Td (this ) Tj ET Q q 0 0 0 rg BT 213.78 526.25 Td (regard, ) Tj ET Q q 0 0 0 rg BT 243.11 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 256.62 526.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 296.81 526.25 Td (benefited ) Tj ET Q q 0 0 0 rg BT 335.30 526.25 Td (from ) Tj ET Q q 0 0 0 rg BT 356.04 526.25 Td (its ) Tj ET Q q 0 0 0 rg BT 366.78 526.25 Td (strong ) Tj ET Q q 0 0 0 rg BT 393.08 526.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 423.26 526.25 Td (base, ) Tj ET Q q 0 0 0 rg BT 444.82 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 450.56 526.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 475.19 526.25 Td (short-term ) Tj ET Q q 0 0 0 rg BT 518.14 526.25 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 88.10 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 105.65 514.25 Td (its ) Tj ET Q q 0 0 0 rg BT 118.21 514.25 Td (access ) Tj ET Q q 0 0 0 rg BT 146.85 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 157.74 514.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 191.95 514.25 Td (from ) Tj ET Q q 0 0 0 rg BT 214.50 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 222.05 514.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 252.92 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 264.36 514.25 Td (external ) Tj ET Q q 0 0 0 rg BT 299.67 514.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 333.88 514.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 366.98 514.25 Td (including ) Tj ET Q q 0 0 0 rg BT 407.86 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 423.19 514.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 460.17 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 471.61 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 486.93 514.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 514.48 514.25 Td (D ) Tj ET Q q 0 0 0 rg BT 524.81 514.25 Td (Preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 75.12 502.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 89.11 502.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 121.44 502.25 Td (below\) ) Tj ET Q q 0 0 0 rg BT 151.54 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 161.66 502.25 Td (2015. ) Tj ET Q q 0 0 0 rg BT 186.50 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 188.32 502.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.66 502.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 259.08 502.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.08 502.25 Td (, ) Tj ET Q q 0 0 0 rg BT 283.92 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.47 502.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 339.70 502.25 Td (had ) Tj ET Q q 0 0 0 rg BT 356.47 502.25 Td (overnight ) Tj ET Q q 0 0 0 rg BT 397.14 502.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 422.81 502.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 447.37 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 464.15 502.25 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 529.23 502.25 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 490.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 96.11 490.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.94 490.25 Td ($883.6 ) Tj ET Q q 0 0 0 rg BT 136.94 490.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.83 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 168.33 490.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 210.25 490.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.53 490.25 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 240.53 490.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.65 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 269.15 490.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.86 490.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 337.45 490.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.45 490.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 469.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.67 469.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 145.77 469.25 Td (net ) Tj ET Q q 0 0 0 rg BT 160.10 469.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 191.66 469.25 Td (income ) Tj ET Q q 0 0 0 rg BT 223.21 469.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.66 469.25 Td ($641.5 ) Tj ET Q q 0 0 0 rg BT 263.28 469.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.17 469.25 Td ( ) Tj ET Q q 0 0 0 rg BT 294.29 469.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.18 469.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.18 469.25 Td ( ) Tj ET Q q 0 0 0 rg BT 326.30 469.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 367.85 469.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.74 469.25 Td ($598.6 ) Tj ET Q q 0 0 0 rg BT 407.36 469.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.25 469.25 Td ( ) Tj ET Q q 0 0 0 rg BT 438.37 469.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.93 469.25 Td ($550.6 ) Tj ET Q q 0 0 0 rg BT 484.55 469.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.44 469.25 Td ( ) Tj ET Q q 0 0 0 rg BT 515.56 469.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.46 469.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.46 469.25 Td ( ) Tj ET Q q 0 0 0 rg BT 547.58 469.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 457.25 Td (, ) Tj ET Q q 0 0 0 rg BT 75.63 457.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 123.29 457.25 Td (. ) Tj ET Q q 0 0 0 rg BT 128.69 457.25 Td (The ) Tj ET Q q 0 0 0 rg BT 147.36 457.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 176.04 457.25 Td (level ) Tj ET Q q 0 0 0 rg BT 198.60 457.25 Td (of ) Tj ET Q q 0 0 0 rg BT 210.06 457.25 Td (net ) Tj ET Q q 0 0 0 rg BT 225.40 457.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 257.96 457.25 Td (income ) Tj ET Q q 0 0 0 rg BT 290.52 457.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 328.63 457.25 Td (in ) Tj ET Q q 0 0 0 rg BT 339.53 457.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 362.66 457.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 405.21 457.25 Td (to ) Tj ET Q q 0 0 0 rg BT 416.12 457.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 439.24 457.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 474.03 457.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 514.37 457.25 Td (from ) Tj ET Q q 0 0 0 rg BT 536.93 457.25 Td (a ) Tj ET Q q 0 0 0 rg BT 544.50 457.25 Td ($2.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 78.31 445.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 113.27 445.25 Td (in ) Tj ET Q q 0 0 0 rg BT 123.24 445.25 Td (the ) Tj ET Q q 0 0 0 rg BT 137.66 445.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 170.39 445.25 Td (of ) Tj ET Q q 0 0 0 rg BT 180.92 445.25 Td (average ) Tj ET Q q 0 0 0 rg BT 214.21 445.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 240.01 445.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 281.65 445.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 315.49 445.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 341.14 445.25 Td (The ) Tj ET Q q 0 0 0 rg BT 358.89 445.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 393.84 445.25 Td (in ) Tj ET Q q 0 0 0 rg BT 403.82 445.25 Td (average ) Tj ET Q q 0 0 0 rg BT 437.10 445.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 462.91 445.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 504.55 445.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 538.39 445.25 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (was ) Tj ET Q q 0 0 0 rg BT 68.99 433.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 105.74 433.25 Td (of) Tj ET Q q 0 0 0 rg BT 113.89 433.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 131.76 433.25 Td (by ) Tj ET Q q 0 0 0 rg BT 145.20 433.25 Td (a ) Tj ET Q q 0 0 0 rg BT 153.07 433.25 Td (20 ) Tj ET Q q 0 0 0 rg BT 166.50 433.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 189.94 433.25 Td (point ) Tj ET Q q 0 0 0 rg BT 213.93 433.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 246.23 433.25 Td (in ) Tj ET Q q 0 0 0 rg BT 257.45 433.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.10 433.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 296.53 433.25 Td (on ) Tj ET Q q 0 0 0 rg BT 309.96 433.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 343.38 433.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 370.14 433.25 Td (as ) Tj ET Q q 0 0 0 rg BT 381.91 433.25 Td (well ) Tj ET Q q 0 0 0 rg BT 402.56 433.25 Td (as ) Tj ET Q q 0 0 0 rg BT 414.32 433.25 Td (an ) Tj ET Q q 0 0 0 rg BT 427.20 433.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 463.38 433.25 Td (in ) Tj ET Q q 0 0 0 rg BT 474.60 433.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 523.58 433.25 Td (under ) Tj ET Q q 0 0 0 rg BT 549.78 433.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.00 421.25 Td (term ) Tj ET Q q 0 0 0 rg BT 117.74 421.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 142.92 421.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 173.65 421.25 Td (in ) Tj ET Q q 0 0 0 rg BT 183.85 421.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 206.26 421.25 Td (and ) Tj ET Q q 0 0 0 rg BT 223.12 421.25 Td (an ) Tj ET Q q 0 0 0 rg BT 234.97 421.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 270.14 421.25 Td (in ) Tj ET Q q 0 0 0 rg BT 280.34 421.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 328.30 421.25 Td (from ) Tj ET Q q 0 0 0 rg BT 350.16 421.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.79 421.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 401.08 421.25 Td (of ) Tj ET Q q 0 0 0 rg BT 411.83 421.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 465.90 421.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 485.54 421.25 Td (and ) Tj ET Q q 0 0 0 rg BT 502.39 421.25 Td (the ) Tj ET Q q 0 0 0 rg BT 517.02 421.25 Td (completion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 409.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 409.25 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 115.81 409.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 148.85 409.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 193.01 409.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 239.38 409.25 Td (in ) Tj ET Q q 0 0 0 rg BT 249.66 409.25 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 102.80 388.25 Td (income ) Tj ET Q q 0 0 0 rg BT 135.05 388.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.07 388.25 Td ($271.6 ) Tj ET Q q 0 0 0 rg BT 195.39 388.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.28 388.25 Td ( ) Tj ET Q q 0 0 0 rg BT 227.09 388.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.68 388.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.68 388.25 Td (, ) Tj ET Q q 0 0 0 rg BT 263.00 388.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 306.91 388.25 Td ($56.4 ) Tj ET Q q 0 0 0 rg BT 332.22 388.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 366.43 388.25 Td (or ) Tj ET Q q 0 0 0 rg BT 377.57 388.25 Td (26%, ) Tj ET Q q 0 0 0 rg BT 401.21 388.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 443.45 388.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.04 388.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.04 388.25 Td (. ) Tj ET Q q 0 0 0 rg BT 479.15 388.25 Td (The ) Tj ET Q q 0 0 0 rg BT 497.52 388.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 533.08 388.25 Td (in ) Tj ET Q q 0 0 0 rg BT 543.68 388.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.35 376.25 Td (income ) Tj ET Q q 0 0 0 rg BT 114.70 376.25 Td (in ) Tj ET Q q 0 0 0 rg BT 125.39 376.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 148.30 376.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 190.64 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 201.33 376.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 224.25 376.25 Td (was ) Tj ET Q q 0 0 0 rg BT 242.71 376.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 282.84 376.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 331.29 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 341.98 376.25 Td (an ) Tj ET Q q 0 0 0 rg BT 354.33 376.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 390.00 376.25 Td (in ) Tj ET Q q 0 0 0 rg BT 400.69 376.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 441.37 376.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 476.50 376.25 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 517.45 376.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 545.92 376.25 Td (fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.25 Td (from ) Tj ET Q q 0 0 0 rg BT 72.13 364.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 106.46 364.25 Td (call ) Tj ET Q q 0 0 0 rg BT 123.59 364.25 Td (options, ) Tj ET Q q 0 0 0 rg BT 158.22 364.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 186.46 364.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 205.25 364.25 Td (from ) Tj ET Q q 0 0 0 rg BT 227.38 364.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 266.72 364.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 298.84 364.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 316.52 364.25 Td (swap ) Tj ET Q q 0 0 0 rg BT 339.76 364.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 358.55 364.25 Td (and ) Tj ET Q q 0 0 0 rg BT 375.68 364.25 Td (an ) Tj ET Q q 0 0 0 rg BT 387.80 364.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 423.25 364.25 Td (in ) Tj ET Q q 0 0 0 rg BT 433.71 364.25 Td (service ) Tj ET Q q 0 0 0 rg BT 464.72 364.25 Td (char) Tj ET Q q 0 0 0 rg BT 481.75 364.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 497.77 364.25 Td (on ) Tj ET Q q 0 0 0 rg BT 510.46 364.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 545.92 364.25 Td (\(see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.25 Td ("Non-Interest ) Tj ET Q q 0 0 0 rg BT 107.12 352.25 Td (Income" ) Tj ET Q q 0 0 0 rg BT 143.69 352.25 Td (section ) Tj ET Q q 0 0 0 rg BT 174.51 352.25 Td (later ) Tj ET Q q 0 0 0 rg BT 194.78 352.25 Td (in ) Tj ET Q q 0 0 0 rg BT 205.05 352.25 Td (this ) Tj ET Q q 0 0 0 rg BT 222.00 352.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 242.83 352.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 250.33 352.25 Td (for ) Tj ET Q q 0 0 0 rg BT 264.49 352.25 Td (further ) Tj ET Q q 0 0 0 rg BT 294.19 352.25 Td (detail\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 102.02 331.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 136.25 331.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.50 331.25 Td ($628.4 ) Tj ET Q q 0 0 0 rg BT 195.03 331.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.92 331.25 Td ( ) Tj ET Q q 0 0 0 rg BT 225.95 331.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.76 331.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.76 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 260.29 331.25 Td (increasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.41 331.25 Td ($81.6 ) Tj ET Q q 0 0 0 rg BT 327.94 331.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.83 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 361.36 331.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.72 331.25 Td (15%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.05 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 394.58 331.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 436.04 331.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.85 331.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.85 331.25 Td (. ) Tj ET Q q 0 0 0 rg BT 470.23 331.25 Td (The ) Tj ET Q q 0 0 0 rg BT 487.81 331.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 522.59 331.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.78 319.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.78 319.25 Td ( ) Tj ET Q q 0 0 0 rg BT 81.78 319.25 Td (was ) Tj ET Q q 0 0 0 rg BT 99.33 319.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 138.55 319.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 186.08 319.25 Td (to ) Tj ET Q q 0 0 0 rg BT 195.86 319.25 Td ($14.0 ) Tj ET Q q 0 0 0 rg BT 220.36 319.25 Td (million ) Tj ET Q q 0 0 0 rg BT 251.26 319.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.04 319.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 306.92 319.25 Td (and ) Tj ET Q q 0 0 0 rg BT 323.36 319.25 Td (non-operating ) Tj ET Q q 0 0 0 rg BT 381.45 319.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 439.00 319.25 Td (char) Tj ET Q q 0 0 0 rg BT 456.02 319.25 Td (ges, ) Tj ET Q q 0 0 0 rg BT 473.85 319.25 Td ($42.0 ) Tj ET Q q 0 0 0 rg BT 498.35 319.25 Td (million ) Tj ET Q q 0 0 0 rg BT 529.25 319.25 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (in ) Tj ET Q q 0 0 0 rg BT 59.40 307.25 Td (salaries ) Tj ET Q q 0 0 0 rg BT 91.00 307.25 Td (and ) Tj ET Q q 0 0 0 rg BT 107.06 307.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 147.55 307.25 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 183.32 307.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 222.70 307.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 266.53 307.25 Td (and ) Tj ET Q q 0 0 0 rg BT 282.58 307.25 Td (occupancy) Tj ET Q q 0 0 0 rg BT 324.69 307.25 Td (, ) Tj ET Q q 0 0 0 rg BT 328.81 307.25 Td (data ) Tj ET Q q 0 0 0 rg BT 347.08 307.25 Td (processing ) Tj ET Q q 0 0 0 rg BT 391.47 307.25 Td (and ) Tj ET Q q 0 0 0 rg BT 407.52 307.25 Td (professional ) Tj ET Q q 0 0 0 rg BT 458.02 307.25 Td (fees, ) Tj ET Q q 0 0 0 rg BT 478.24 307.25 Td (and ) Tj ET Q q 0 0 0 rg BT 494.29 307.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 521.46 307.25 Td (marketing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 91.83 295.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 128.38 295.25 Td (of) Tj ET Q q 0 0 0 rg BT 136.53 295.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 154.20 295.25 Td (by ) Tj ET Q q 0 0 0 rg BT 167.43 295.25 Td (a ) Tj ET Q q 0 0 0 rg BT 175.10 295.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 216.09 295.25 Td (in ) Tj ET Q q 0 0 0 rg BT 227.10 295.25 Td (OREO ) Tj ET Q q 0 0 0 rg BT 257.55 295.25 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 299.14 295.25 Td (The ) Tj ET Q q 0 0 0 rg BT 317.92 295.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 353.90 295.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.91 295.25 Td (salaries ) Tj ET Q q 0 0 0 rg BT 398.13 295.25 Td (and ) Tj ET Q q 0 0 0 rg BT 415.80 295.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 457.90 295.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 492.78 295.25 Td (was, ) Tj ET Q q 0 0 0 rg BT 514.07 295.25 Td (specifically) Tj ET Q q 0 0 0 rg BT 559.51 295.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 97.73 283.25 Td (to ) Tj ET Q q 0 0 0 rg BT 107.70 283.25 Td (a ) Tj ET Q q 0 0 0 rg BT 114.33 283.25 Td ($17.2 ) Tj ET Q q 0 0 0 rg BT 139.02 283.25 Td (million ) Tj ET Q q 0 0 0 rg BT 170.11 283.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 205.05 283.25 Td (in ) Tj ET Q q 0 0 0 rg BT 215.02 283.25 Td (salaries ) Tj ET Q q 0 0 0 rg BT 247.20 283.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 284.39 283.25 Td (from ) Tj ET Q q 0 0 0 rg BT 306.02 283.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 348.20 283.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 393.16 283.25 Td (from ) Tj ET Q q 0 0 0 rg BT 414.79 283.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 464.76 283.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.39 283.25 Td (lar) Tj ET Q q 0 0 0 rg BT 491.75 283.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 506.71 283.25 Td (staf) Tj ET Q q 0 0 0 rg BT 520.97 283.25 Td (fing ) Tj ET Q q 0 0 0 rg BT 539.27 283.25 Td (as ) Tj ET Q q 0 0 0 rg BT 549.79 283.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 92.14 271.25 Td (grew) Tj ET Q q 0 0 0 rg BT 111.48 271.25 Td (, ) Tj ET Q q 0 0 0 rg BT 117.22 271.25 Td (a ) Tj ET Q q 0 0 0 rg BT 124.91 271.25 Td ($16.5 ) Tj ET Q q 0 0 0 rg BT 150.66 271.25 Td (million ) Tj ET Q q 0 0 0 rg BT 182.80 271.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 218.80 271.25 Td (in ) Tj ET Q q 0 0 0 rg BT 229.83 271.25 Td (commissions ) Tj ET Q q 0 0 0 rg BT 285.30 271.25 Td (and ) Tj ET Q q 0 0 0 rg BT 302.99 271.25 Td (incentive ) Tj ET Q q 0 0 0 rg BT 342.89 271.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 401.68 271.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 442.14 271.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 490.93 271.25 Td (to ) Tj ET Q q 0 0 0 rg BT 501.95 271.25 Td (the ) Tj ET Q q 0 0 0 rg BT 517.42 271.25 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.25 Td (long-term ) Tj ET Q q 0 0 0 rg BT 91.93 259.25 Td (incentive ) Tj ET Q q 0 0 0 rg BT 131.08 259.25 Td (program, ) Tj ET Q q 0 0 0 rg BT 169.96 259.25 Td (and ) Tj ET Q q 0 0 0 rg BT 186.90 259.25 Td (an ) Tj ET Q q 0 0 0 rg BT 198.84 259.25 Td ($8.3 ) Tj ET Q q 0 0 0 rg BT 218.84 259.25 Td (million ) Tj ET Q q 0 0 0 rg BT 250.23 259.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 285.48 259.25 Td (in ) Tj ET Q q 0 0 0 rg BT 295.76 259.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 337.13 259.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 371.29 259.25 Td (due ) Tj ET Q q 0 0 0 rg BT 388.23 259.25 Td (to ) Tj ET Q q 0 0 0 rg BT 398.51 259.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 426.55 259.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 467.37 259.25 Td (costs. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.61 238.25 Td (Current ) Tj ET Q q 0 0 0 rg BT 103.90 238.25 Td (Economic ) Tj ET Q q 0 0 0 rg BT 148.07 238.25 Td (Environment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.22 217.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 109.77 217.25 Td (environment ) Tj ET Q q 0 0 0 rg BT 162.99 217.25 Td (in ) Tj ET Q q 0 0 0 rg BT 173.45 217.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 196.13 217.25 Td (was ) Tj ET Q q 0 0 0 rg BT 214.35 217.25 Td (characterized ) Tj ET Q q 0 0 0 rg BT 270.32 217.25 Td (by ) Tj ET Q q 0 0 0 rg BT 283.00 217.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 325.11 217.25 Td (low ) Tj ET Q q 0 0 0 rg BT 342.78 217.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 374.89 217.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 396.45 217.25 Td (and ) Tj ET Q q 0 0 0 rg BT 413.56 217.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 455.67 217.25 Td (competition ) Tj ET Q q 0 0 0 rg BT 506.12 217.25 Td (as ) Tj ET Q q 0 0 0 rg BT 517.13 217.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 543.14 217.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 100.70 205.25 Td (improvements ) Tj ET Q q 0 0 0 rg BT 160.31 205.25 Td (in ) Tj ET Q q 0 0 0 rg BT 170.48 205.25 Td (their ) Tj ET Q q 0 0 0 rg BT 191.21 205.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.58 205.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 268.75 205.25 Td (allowing ) Tj ET Q q 0 0 0 rg BT 306.15 205.25 Td (them ) Tj ET Q q 0 0 0 rg BT 328.54 205.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.72 205.25 Td (be ) Tj ET Q q 0 0 0 rg BT 350.55 205.25 Td (more ) Tj ET Q q 0 0 0 rg BT 373.50 205.25 Td (active ) Tj ET Q q 0 0 0 rg BT 399.77 205.25 Td (in ) Tj ET Q q 0 0 0 rg BT 409.94 205.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.56 205.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 456.95 205.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 489.44 205.25 Td (The ) Tj ET Q q 0 0 0 rg BT 507.38 205.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 548.66 205.25 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.25 Td (employed ) Tj ET Q q 0 0 0 rg BT 91.93 193.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 121.64 193.25 Td (strategies ) Tj ET Q q 0 0 0 rg BT 161.90 193.25 Td (to ) Tj ET Q q 0 0 0 rg BT 172.18 193.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 205.77 193.25 Td (net ) Tj ET Q q 0 0 0 rg BT 220.49 193.25 Td (income ) Tj ET Q q 0 0 0 rg BT 252.42 193.25 Td (in ) Tj ET Q q 0 0 0 rg BT 262.70 193.25 Td (the ) Tj ET Q q 0 0 0 rg BT 277.42 193.25 Td (current ) Tj ET Q q 0 0 0 rg BT 308.23 193.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 325.72 193.25 Td (environment, ) Tj ET Q q 0 0 0 rg BT 381.26 193.25 Td (including ) Tj ET Q q 0 0 0 rg BT 421.53 193.25 Td (those ) Tj ET Q q 0 0 0 rg BT 445.14 193.25 Td (discussed ) Tj ET Q q 0 0 0 rg BT 485.97 193.25 Td (below) Tj ET Q q 0 0 0 rg BT 509.76 193.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.39 172.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 85.45 172.25 Td (est ) Tj ET Q q 0 0 0 rg BT 99.06 172.25 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.97 151.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 111.27 151.25 Td (has ) Tj ET Q q 0 0 0 rg BT 128.02 151.25 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 170.30 151.25 Td (its ) Tj ET Q q 0 0 0 rg BT 183.17 151.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 217.13 151.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 237.77 151.25 Td (pipeline ) Tj ET Q q 0 0 0 rg BT 273.40 151.25 Td (and ) Tj ET Q q 0 0 0 rg BT 291.26 151.25 Td (external ) Tj ET Q q 0 0 0 rg BT 326.88 151.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 358.63 151.25 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 414.82 151.25 Td (to ) Tj ET Q q 0 0 0 rg BT 426.02 151.25 Td (grow ) Tj ET Q q 0 0 0 rg BT 449.99 151.25 Td (its ) Tj ET Q q 0 0 0 rg BT 462.86 151.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 496.26 151.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 523.01 151.25 Td (base. ) Tj ET Q q 0 0 0 rg BT 546.45 151.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.73 139.25 Td ( ) Tj ET Q q 0 0 0 rg BT 92.57 139.25 Td (has ) Tj ET Q q 0 0 0 rg BT 107.74 139.25 Td (also ) Tj ET Q q 0 0 0 rg BT 125.68 139.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 166.96 139.25 Td (its ) Tj ET Q q 0 0 0 rg BT 178.25 139.25 Td (ef) Tj ET Q q 0 0 0 rg BT 185.83 139.25 Td (forts ) Tj ET Q q 0 0 0 rg BT 206.00 139.25 Td (to ) Tj ET Q q 0 0 0 rg BT 215.62 139.25 Td (shift ) Tj ET Q q 0 0 0 rg BT 235.24 139.25 Td (a ) Tj ET Q q 0 0 0 rg BT 241.52 139.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 271.11 139.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 301.84 139.25 Td (of ) Tj ET Q q 0 0 0 rg BT 312.01 139.25 Td (its ) Tj ET Q q 0 0 0 rg BT 323.30 139.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 354.02 139.25 Td (base ) Tj ET Q q 0 0 0 rg BT 373.63 139.25 Td (to ) Tj ET Q q 0 0 0 rg BT 383.25 139.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 432.85 139.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 464.68 139.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 501.80 139.25 Td ( ) Tj ET Q q 0 0 0 rg BT 503.50 139.25 Td (These ) Tj ET Q q 0 0 0 rg BT 529.22 139.25 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.25 Td (as ) Tj ET Q q 0 0 0 rg BT 61.64 127.25 Td (a ) Tj ET Q q 0 0 0 rg BT 69.38 127.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 115.99 127.25 Td (of ) Tj ET Q q 0 0 0 rg BT 127.62 127.25 Td (total ) Tj ET Q q 0 0 0 rg BT 148.70 127.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 184.79 127.25 Td (were ) Tj ET Q q 0 0 0 rg BT 207.52 127.25 Td (26% ) Tj ET Q q 0 0 0 rg BT 229.16 127.25 Td (on ) Tj ET Q q 0 0 0 rg BT 242.46 127.25 Td (December ) Tj ET Q q 0 0 0 rg BT 286.85 127.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 302.66 127.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 325.96 127.25 Td (as ) Tj ET Q q 0 0 0 rg BT 337.60 127.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 380.33 127.25 Td (to ) Tj ET Q q 0 0 0 rg BT 391.41 127.25 Td (22% ) Tj ET Q q 0 0 0 rg BT 413.05 127.25 Td (on ) Tj ET Q q 0 0 0 rg BT 426.35 127.25 Td (December ) Tj ET Q q 0 0 0 rg BT 470.74 127.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 486.55 127.25 Td (2014. ) Tj ET Q q 0 0 0 rg BT 512.35 127.25 Td (In ) Tj ET Q q 0 0 0 rg BT 523.99 127.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 549.79 127.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.83 115.25 Td (net ) Tj ET Q q 0 0 0 rg BT 111.29 115.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 142.97 115.25 Td (mar) Tj ET Q q 0 0 0 rg BT 158.33 115.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 173.36 115.25 Td (declined ) Tj ET Q q 0 0 0 rg BT 209.47 115.25 Td (to ) Tj ET Q q 0 0 0 rg BT 219.50 115.25 Td (3.36% ) Tj ET Q q 0 0 0 rg BT 247.57 115.25 Td (as ) Tj ET Q q 0 0 0 rg BT 258.15 115.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 299.82 115.25 Td (to ) Tj ET Q q 0 0 0 rg BT 309.84 115.25 Td (3.53% ) Tj ET Q q 0 0 0 rg BT 337.91 115.25 Td (in ) Tj ET Q q 0 0 0 rg BT 347.94 115.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 370.18 115.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 409.64 115.25 Td (as ) Tj ET Q q 0 0 0 rg BT 420.21 115.25 Td (a ) Tj ET Q q 0 0 0 rg BT 426.90 115.25 Td (result ) Tj ET Q q 0 0 0 rg BT 451.36 115.25 Td (of ) Tj ET Q q 0 0 0 rg BT 461.94 115.25 Td (a ) Tj ET Q q 0 0 0 rg BT 468.62 115.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 508.63 115.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.65 115.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 538.11 115.25 Td (yields ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.25 Td (due ) Tj ET Q q 0 0 0 rg BT 66.66 103.25 Td (to ) Tj ET Q q 0 0 0 rg BT 76.66 103.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 107.21 103.25 Td (pressures, ) Tj ET Q q 0 0 0 rg BT 149.14 103.25 Td (run-of) Tj ET Q q 0 0 0 rg BT 173.95 103.25 Td (f ) Tj ET Q q 0 0 0 rg BT 179.50 103.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.05 103.25 Td (the ) Tj ET Q q 0 0 0 rg BT 204.49 103.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 238.36 103.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 257.80 103.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 297.51 103.25 Td (an ) Tj ET Q q 0 0 0 rg BT 309.17 103.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 344.15 103.25 Td (in ) Tj ET Q q 0 0 0 rg BT 354.15 103.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 401.92 103.25 Td (under ) Tj ET Q q 0 0 0 rg BT 426.91 103.25 Td (the ) Tj ET Q q 0 0 0 rg BT 441.35 103.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 488.15 103.25 Td (term ) Tj ET Q q 0 0 0 rg BT 508.70 103.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 533.69 103.25 Td (facility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.32 91.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 82.85 91.25 Td (as ) Tj ET Q q 0 0 0 rg BT 93.72 91.25 Td (well ) Tj ET Q q 0 0 0 rg BT 113.48 91.25 Td (as ) Tj ET Q q 0 0 0 rg BT 124.35 91.25 Td (the ) Tj ET Q q 0 0 0 rg BT 139.10 91.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 175.52 91.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.38 91.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 240.58 91.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 260.33 91.25 Td (and ) Tj ET Q q 0 0 0 rg BT 277.31 91.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.06 91.25 Td (completion ) Tj ET Q q 0 0 0 rg BT 339.59 91.25 Td (of ) Tj ET Q q 0 0 0 rg BT 350.46 91.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.21 91.25 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 405.52 91.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 438.59 91.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 482.79 91.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 529.20 91.25 Td (in ) Tj ET Q q 0 0 0 rg BT 539.52 91.25 Td (2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.25 Td (However) Tj ET Q q 0 0 0 rg BT 86.25 79.25 Td (, ) Tj ET Q q 0 0 0 rg BT 90.93 79.25 Td (as ) Tj ET Q q 0 0 0 rg BT 101.45 79.25 Td (a ) Tj ET Q q 0 0 0 rg BT 108.07 79.25 Td (result ) Tj ET Q q 0 0 0 rg BT 132.47 79.25 Td (of ) Tj ET Q q 0 0 0 rg BT 142.98 79.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.38 79.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 187.89 79.25 Td (in ) Tj ET Q q 0 0 0 rg BT 197.85 79.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 230.02 79.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 255.53 79.25 Td (and ) Tj ET Q q 0 0 0 rg BT 272.15 79.25 Td (improvement ) Tj ET Q q 0 0 0 rg BT 327.66 79.25 Td (in ) Tj ET Q q 0 0 0 rg BT 337.62 79.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 370.91 79.25 Td (mix, ) Tj ET Q q 0 0 0 rg BT 391.15 79.25 Td (the ) Tj ET Q q 0 0 0 rg BT 405.55 79.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 446.62 79.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 486.55 79.25 Td (net ) Tj ET Q q 0 0 0 rg BT 500.95 79.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.57 79.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 67.25 Td ($43.0 ) Tj ET Q q 0 0 0 rg BT 87.50 67.25 Td (million ) Tj ET Q q 0 0 0 rg BT 118.89 67.25 Td (in ) Tj ET Q q 0 0 0 rg BT 129.17 67.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 151.67 67.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 193.59 67.25 Td (to ) Tj ET Q q 0 0 0 rg BT 203.87 67.25 Td (2014.) Tj ET Q endstream endobj 97 0 obj <> endobj 98 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (48) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.19 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.73 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 122.71 742.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 163.79 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 174.89 742.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 208.17 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.15 742.10 Td (writing ) Tj ET Q q 0 0 0 rg BT 248.69 742.10 Td (call ) Tj ET Q q 0 0 0 rg BT 264.77 742.10 Td (options ) Tj ET Q q 0 0 0 rg BT 295.86 742.10 Td (against ) Tj ET Q q 0 0 0 rg BT 325.84 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 354.69 742.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 374.00 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 379.76 742.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 410.83 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.56 742.10 Td (Agency ) Tj ET Q q 0 0 0 rg BT 459.30 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 498.71 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.14 742.10 Td (economically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 76.42 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.17 730.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 131.47 730.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 170.13 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.10 730.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 218.50 730.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 233.25 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 265.22 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.54 730.10 Td (compensate ) Tj ET Q q 0 0 0 rg BT 325.28 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 339.48 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 354.23 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 386.20 730.10 Td (mar) Tj ET Q q 0 0 0 rg BT 401.57 730.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 416.89 730.10 Td (compression. ) Tj ET Q q 0 0 0 rg BT 472.47 730.10 Td (In ) Tj ET Q q 0 0 0 rg BT 483.34 730.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 508.38 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 730.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.36 718.10 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 121.36 718.10 Td (million ) Tj ET Q q 0 0 0 rg BT 152.75 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 163.03 718.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 181.63 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 194.13 718.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 228.28 718.10 Td (call ) Tj ET Q q 0 0 0 rg BT 245.21 718.10 Td (options. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.25 700.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 109.71 700.10 Td (for ) Tj ET Q q 0 0 0 rg BT 124.30 700.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.66 700.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 157.36 700.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 175.27 700.10 Td (environment, ) Tj ET Q q 0 0 0 rg BT 231.24 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.38 700.10 Td (Company) Tj ET Q q 0 0 0 rg BT 284.62 700.10 Td (, ) Tj ET Q q 0 0 0 rg BT 290.04 700.10 Td (having ) Tj ET Q q 0 0 0 rg BT 320.19 700.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.33 700.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 363.80 700.10 Td (and ) Tj ET Q q 0 0 0 rg BT 381.17 700.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 415.76 700.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 441.46 700.10 Td (to ) Tj ET Q q 0 0 0 rg BT 452.16 700.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 472.86 700.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 502.99 700.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 543.68 700.10 Td (until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 83.23 688.10 Td (, ) Tj ET Q q 0 0 0 rg BT 88.03 688.10 Td ( ) Tj ET Q q 0 0 0 rg BT 90.33 688.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 135.93 688.10 Td ($862.7 ) Tj ET Q q 0 0 0 rg BT 165.73 688.10 Td (million ) Tj ET Q q 0 0 0 rg BT 196.92 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.55 688.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 247.62 688.10 Td (from ) Tj ET Q q 0 0 0 rg BT 269.35 688.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 320.23 688.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 341.41 688.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 396.46 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.54 688.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 474.38 688.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 529.44 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 539.51 688.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 564.51 688.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.03 676.10 Td (more ) Tj ET Q q 0 0 0 rg BT 88.71 676.10 Td (information ) Tj ET Q q 0 0 0 rg BT 138.06 676.10 Td (see ) Tj ET Q q 0 0 0 rg BT 152.96 676.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 174.53 676.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 181.67 676.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 232.68 676.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 278.68 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.15 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.50 676.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 358.41 676.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 397.76 676.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 443.77 676.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 484.22 676.10 Td (under ) Tj ET Q q 0 0 0 rg BT 509.13 676.10 Td (Item8 ) Tj ET Q q 0 0 0 rg BT 537.09 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.55 676.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 81.94 664.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 111.66 664.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.16 664.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 148.33 664.10 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.39 646.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.12 646.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 141.84 646.10 Td (back ) Tj ET Q q 0 0 0 rg BT 168.00 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.62 646.10 Td (back ) Tj ET Q q 0 0 0 rg BT 204.78 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.05 646.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 254.88 646.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 297.70 646.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 350.81 646.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 390.86 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 423.13 646.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 440.96 646.10 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 470.75 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 481.37 646.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 513.07 646.10 Td (floating ) Tj ET Q q 0 0 0 rg BT 547.02 646.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.10 634.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 123.09 634.10 Td (related ) Tj ET Q q 0 0 0 rg BT 152.95 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.39 634.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 202.71 634.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 228.98 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.65 634.10 Td (In ) Tj ET Q q 0 0 0 rg BT 242.64 634.10 Td (these ) Tj ET Q q 0 0 0 rg BT 265.85 634.10 Td (arrangements, ) Tj ET Q q 0 0 0 rg BT 324.88 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 339.76 634.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 381.31 634.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 409.52 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.62 634.10 Td (floating ) Tj ET Q q 0 0 0 rg BT 450.39 634.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 468.04 634.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 487.92 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 498.36 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 505.46 634.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 544.78 634.10 Td (who ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (prefers ) Tj ET Q q 0 0 0 rg BT 80.27 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.57 622.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 107.52 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.48 622.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 137.54 622.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 157.54 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.88 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 165.29 622.10 Td (o ) Tj ET Q q 0 0 0 rg BT 172.80 622.10 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 230.85 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.58 622.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 263.10 622.10 Td (management ) Tj ET Q q 0 0 0 rg BT 316.70 622.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 350.87 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.72 622.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 391.44 622.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 429.49 622.10 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 475.05 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.79 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 531.19 622.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 557.58 622.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 72.94 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 93.12 610.10 Td (its ) Tj ET Q q 0 0 0 rg BT 104.96 610.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 144.00 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 154.17 610.10 Td (ef) Tj ET Q q 0 0 0 rg BT 161.76 610.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 199.13 610.10 Td (convert ) Tj ET Q q 0 0 0 rg BT 231.51 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.12 610.10 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 290.85 610.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 325.45 610.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 342.83 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 362.44 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.61 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.44 610.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 402.38 610.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 422.26 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.65 610.10 Td (However) Tj ET Q q 0 0 0 rg BT 460.90 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 465.79 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 475.96 610.10 Td (order ) Tj ET Q q 0 0 0 rg BT 499.45 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 509.62 610.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 549.79 610.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 98.27 598.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 138.05 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 151.74 598.10 Td (these ) Tj ET Q q 0 0 0 rg BT 175.97 598.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 227.42 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 245.54 598.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 283.66 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.12 598.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 327.67 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 335.80 598.10 Td (floating ) Tj ET Q q 0 0 0 rg BT 370.58 598.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 391.76 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.66 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 450.23 598.10 Td (simultaneously ) Tj ET Q q 0 0 0 rg BT 514.47 598.10 Td (executes ) Tj ET Q q 0 0 0 rg BT 552.58 598.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 586.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 90.64 586.10 Td (mirror) Tj ET Q q 0 0 0 rg BT 115.99 586.10 Td (-image ) Tj ET Q q 0 0 0 rg BT 146.25 586.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 169.31 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 189.58 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.52 586.10 Td (third ) Tj ET Q q 0 0 0 rg BT 217.91 586.10 Td (party) Tj ET Q q 0 0 0 rg BT 237.81 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 242.81 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.31 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 247.81 586.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Non-Inter) Tj ET Q q 0 0 0 rg BT 89.07 568.10 Td (est ) Tj ET Q q 0 0 0 rg BT 102.68 568.10 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.87 550.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 108.94 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 123.14 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 130.11 550.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 155.43 550.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 172.95 550.10 Td (environment, ) Tj ET Q q 0 0 0 rg BT 228.53 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.29 550.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 284.71 550.10 Td (has ) Tj ET Q q 0 0 0 rg BT 300.58 550.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 343.66 550.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.63 550.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 393.15 550.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 409.57 550.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 448.20 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.51 550.10 Td (of) Tj ET Q q 0 0 0 rg BT 466.66 550.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 483.64 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.40 550.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 534.81 550.10 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.61 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.43 538.10 Td (net ) Tj ET Q q 0 0 0 rg BT 92.26 538.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 124.30 538.10 Td (mar) Tj ET Q q 0 0 0 rg BT 139.66 538.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 155.05 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 165.43 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 172.48 538.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 197.87 538.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 215.46 538.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 268.61 538.10 Td (caused ) Tj ET Q q 0 0 0 rg BT 298.42 538.10 Td (by ) Tj ET Q q 0 0 0 rg BT 311.03 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.85 538.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 364.56 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.49 538.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 410.30 538.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 427.90 538.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 467.72 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.77 538.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 504.03 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.97 538.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 553.67 538.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 72.60 526.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 89.64 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 112.81 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.30 526.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 171.62 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 173.22 526.10 Td (As ) Tj ET Q q 0 0 0 rg BT 186.39 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.78 526.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 254.92 526.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 279.47 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.75 526.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 334.69 526.10 Td (held ) Tj ET Q q 0 0 0 rg BT 353.96 526.10 Td (four ) Tj ET Q q 0 0 0 rg BT 372.68 526.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 404.17 526.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 421.21 526.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 437.14 526.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 483.07 526.10 Td (with ) Tj ET Q q 0 0 0 rg BT 502.90 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 509.40 526.10 Td (total ) Tj ET Q q 0 0 0 rg BT 529.22 526.10 Td (notional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.41 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.50 514.10 Td ($446.5 ) Tj ET Q q 0 0 0 rg BT 112.76 514.10 Td (million ) Tj ET Q q 0 0 0 rg BT 143.40 514.10 Td (which ) Tj ET Q q 0 0 0 rg BT 169.60 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 183.56 514.10 Td (not ) Tj ET Q q 0 0 0 rg BT 198.10 514.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 242.62 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 252.71 514.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 298.33 514.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 327.86 514.10 Td (but ) Tj ET Q q 0 0 0 rg BT 342.40 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 356.36 514.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 401.43 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.97 514.10 Td (be ) Tj ET Q q 0 0 0 rg BT 422.16 514.10 Td (an ) Tj ET Q q 0 0 0 rg BT 433.36 514.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 473.99 514.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 499.62 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 513.04 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.01 514.10 Td (potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (rise ) Tj ET Q q 0 0 0 rg BT 66.88 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 77.09 502.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 108.96 502.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 132.77 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 135.21 502.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 170.96 502.10 Td (these ) Tj ET Q q 0 0 0 rg BT 193.95 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 208.59 502.10 Td (not ) Tj ET Q q 0 0 0 rg BT 223.80 502.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 270.11 502.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 302.82 502.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 352.47 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.68 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.33 502.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 393.65 502.10 Td (value ) Tj ET Q q 0 0 0 rg BT 417.74 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.51 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.16 502.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 463.36 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 478.01 502.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 515.42 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 525.63 502.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 564.51 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.94 490.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 86.05 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.88 490.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 142.37 490.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 188.85 490.10 Td ($934,000 ) Tj ET Q q 0 0 0 rg BT 228.96 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.34 490.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 270.28 490.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 296.78 490.10 Td (related ) Tj ET Q q 0 0 0 rg BT 326.59 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.98 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.81 490.10 Td (mark ) Tj ET Q q 0 0 0 rg BT 374.96 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 385.35 490.10 Td (market ) Tj ET Q q 0 0 0 rg BT 415.73 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.67 490.10 Td (these ) Tj ET Q q 0 0 0 rg BT 449.82 490.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 481.87 490.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 499.46 490.10 Td (caps. ) Tj ET Q q 0 0 0 rg BT 522.34 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 524.95 490.10 Td (For ) Tj ET Q q 0 0 0 rg BT 541.45 490.10 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (information ) Tj ET Q q 0 0 0 rg BT 99.71 478.10 Td (see ) Tj ET Q q 0 0 0 rg BT 114.97 478.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 136.90 478.10 Td (20 ) Tj ET Q q 0 0 0 rg BT 149.40 478.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 198.54 478.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 238.24 478.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 292.39 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.22 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.93 478.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 373.20 478.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 412.91 478.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 459.28 478.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 500.09 478.10 Td (under ) Tj ET Q q 0 0 0 rg BT 525.36 478.10 Td (Item8 ) Tj ET Q q 0 0 0 rg BT 553.68 478.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (this ) Tj ET Q q 0 0 0 rg BT 66.40 466.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 98.33 466.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 128.05 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 140.55 466.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 164.72 466.10 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.55 448.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 100.99 448.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 118.99 448.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 172.54 448.10 Td (impacts ) Tj ET Q q 0 0 0 rg BT 206.65 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.87 448.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 272.64 448.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.09 448.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 308.65 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 319.99 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.21 448.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 382.80 448.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 423.57 448.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 458.79 448.10 Td (business ) Tj ET Q q 0 0 0 rg BT 495.69 448.10 Td (which ) Tj ET Q q 0 0 0 rg BT 523.14 448.10 Td (generated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 88.27 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.33 436.10 Td ($1) Tj ET Q q 0 0 0 rg BT 108.96 436.10 Td (15.0 ) Tj ET Q q 0 0 0 rg BT 129.18 436.10 Td (million ) Tj ET Q q 0 0 0 rg BT 160.81 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 171.31 436.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 194.04 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.21 436.10 Td ($91.6 ) Tj ET Q q 0 0 0 rg BT 236.44 436.10 Td (million ) Tj ET Q q 0 0 0 rg BT 268.06 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 278.57 436.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 303.80 436.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 355.95 436.10 Td (13% ) Tj ET Q q 0 0 0 rg BT 377.01 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.07 436.10 Td (total ) Tj ET Q q 0 0 0 rg BT 408.57 436.10 Td (net ) Tj ET Q q 0 0 0 rg BT 423.52 436.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 457.90 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.40 436.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 491.13 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.30 436.10 Td (1) Tj ET Q q 0 0 0 rg BT 512.93 436.10 Td (1% ) Tj ET Q q 0 0 0 rg BT 528.99 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 539.50 436.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 564.50 436.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.07 424.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 125.47 424.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 159.31 424.10 Td (is ) Tj ET Q q 0 0 0 rg BT 168.17 424.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 207.57 424.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 251.41 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.93 424.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 285.23 424.10 Td (on ) Tj ET Q q 0 0 0 rg BT 297.42 424.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 319.04 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.56 424.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 369.51 424.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 392.81 424.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 435.54 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 449.39 424.10 Td (new ) Tj ET Q q 0 0 0 rg BT 468.24 424.10 Td (home ) Tj ET Q q 0 0 0 rg BT 492.65 424.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 534.26 424.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.78 424.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (as ) Tj ET Q q 0 0 0 rg BT 59.97 412.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 99.37 412.10 Td (refinancing. ) Tj ET Q q 0 0 0 rg BT 149.04 412.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 189.55 412.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 223.41 412.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 256.69 412.10 Td (is ) Tj ET Q q 0 0 0 rg BT 265.00 412.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 299.95 412.10 Td (of) Tj ET Q q 0 0 0 rg BT 308.10 412.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 324.18 412.10 Td (by ) Tj ET Q q 0 0 0 rg BT 335.82 412.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 394.66 412.10 Td (commission ) Tj ET Q q 0 0 0 rg BT 444.63 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.71 412.10 Td (overhead ) Tj ET Q q 0 0 0 rg BT 498.99 412.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 523.13 412.10 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 99.89 400.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.21 400.10 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 148.83 400.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.94 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.05 400.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.60 400.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 213.22 400.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.33 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.44 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 251.33 400.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 273.45 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.00 400.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 314.61 400.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 362.27 400.10 Td (. ) Tj ET Q q 0 0 0 rg BT 366.89 400.10 Td (In ) Tj ET Q q 0 0 0 rg BT 377.33 400.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 401.94 400.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 461.82 400.10 Td (61% ) Tj ET Q q 0 0 0 rg BT 482.26 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.70 400.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 542.59 400.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 94.25 388.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 137.94 388.10 Td (with ) Tj ET Q q 0 0 0 rg BT 158.31 388.10 Td (new ) Tj ET Q q 0 0 0 rg BT 177.56 388.10 Td (home ) Tj ET Q q 0 0 0 rg BT 202.38 388.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 244.40 388.10 Td (while ) Tj ET Q q 0 0 0 rg BT 269.21 388.10 Td (39% ) Tj ET Q q 0 0 0 rg BT 290.13 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.06 388.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 351.43 388.10 Td (were ) Tj ET Q q 0 0 0 rg BT 373.45 388.10 Td (related ) Tj ET Q q 0 0 0 rg BT 403.25 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 413.62 388.10 Td (refinancing ) Tj ET Q q 0 0 0 rg BT 461.74 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.67 388.10 Td (mortgages. ) Tj ET Q q 0 0 0 rg BT 519.42 388.10 Td ( ) Tj ET Q q 0 0 0 rg BT 521.44 388.10 Td (Assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.76 376.10 Td (housing ) Tj ET Q q 0 0 0 rg BT 98.96 376.10 Td (market ) Tj ET Q q 0 0 0 rg BT 129.27 376.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 170.13 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.45 376.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 216.31 376.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.29 376.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 265.26 376.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 286.68 376.10 Td (rise, ) Tj ET Q q 0 0 0 rg BT 306.16 376.10 Td (we ) Tj ET Q q 0 0 0 rg BT 320.36 376.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 348.99 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 355.97 376.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 384.05 376.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 429.89 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.76 376.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 491.07 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 501.39 376.10 Td (be ) Tj ET Q q 0 0 0 rg BT 513.37 376.10 Td (attributed ) Tj ET Q q 0 0 0 rg BT 554.23 376.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (new ) Tj ET Q q 0 0 0 rg BT 69.16 364.10 Td (home ) Tj ET Q q 0 0 0 rg BT 93.88 364.10 Td (purchases. ) Tj ET Q q 0 0 0 rg BT 138.31 364.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Non-Inter) Tj ET Q q 0 0 0 rg BT 89.07 346.10 Td (est ) Tj ET Q q 0 0 0 rg BT 102.68 346.10 Td (Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 105.42 328.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 141.40 328.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 176.83 328.10 Td (management ) Tj ET Q q 0 0 0 rg BT 231.14 328.10 Td (is ) Tj ET Q q 0 0 0 rg BT 241.03 328.10 Td (important ) Tj ET Q q 0 0 0 rg BT 283.13 328.10 Td (amid ) Tj ET Q q 0 0 0 rg BT 306.34 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.78 328.10 Td (low ) Tj ET Q q 0 0 0 rg BT 340.00 328.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 372.65 328.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 390.86 328.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 444.62 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.27 328.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 503.25 328.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 554.24 328.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (enhance ) Tj ET Q q 0 0 0 rg BT 85.53 316.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 132.65 316.10 Td (. ) Tj ET Q q 0 0 0 rg BT 137.92 316.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.69 316.10 Td (Cost ) Tj ET Q q 0 0 0 rg BT 161.80 316.10 Td (control ) Tj ET Q q 0 0 0 rg BT 192.90 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.11 316.10 Td (an ) Tj ET Q q 0 0 0 rg BT 222.32 316.10 Td (ef) Tj ET Q q 0 0 0 rg BT 229.91 316.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 258.22 316.10 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 314.86 316.10 Td (should ) Tj ET Q q 0 0 0 rg BT 344.30 316.10 Td (position ) Tj ET Q q 0 0 0 rg BT 379.30 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.29 316.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 435.95 316.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 492.03 316.10 Td (as ) Tj ET Q q 0 0 0 rg BT 503.13 316.10 Td (it ) Tj ET Q q 0 0 0 rg BT 511.46 316.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 552.56 316.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.59 304.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 111.59 304.10 Td (. ) Tj ET Q q 0 0 0 rg BT 116.35 304.10 Td ( ) Tj ET Q q 0 0 0 rg BT 118.61 304.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 173.07 304.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 213.65 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.69 304.10 Td (be ) Tj ET Q q 0 0 0 rg BT 235.39 304.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 281.53 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 291.56 304.10 Td (its ) Tj ET Q q 0 0 0 rg BT 303.27 304.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 342.18 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.21 304.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 382.80 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.50 304.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 422.86 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.90 304.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 469.02 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.50 304.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 530.33 304.10 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.71 292.10 Td (infrastructure ) Tj ET Q q 0 0 0 rg BT 141.07 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.35 292.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 182.72 292.10 Td (its ) Tj ET Q q 0 0 0 rg BT 194.67 292.10 Td (presence ) Tj ET Q q 0 0 0 rg BT 232.15 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 242.43 292.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 276.59 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.53 292.10 Td (complimentary ) Tj ET Q q 0 0 0 rg BT 356.57 292.10 Td (markets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Potentially ) Tj ET Q q 0 0 0 rg BT 96.75 274.10 Td (impacting ) Tj ET Q q 0 0 0 rg BT 140.16 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.80 274.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 175.32 274.10 Td (control ) Tj ET Q q 0 0 0 rg BT 207.07 274.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 248.25 274.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 290.00 274.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 319.80 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.43 274.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 377.74 274.10 Td (anticipates ) Tj ET Q q 0 0 0 rg BT 423.92 274.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 465.09 274.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 488.51 274.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 526.92 274.10 Td (from ) Tj ET Q q 0 0 0 rg BT 549.78 274.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 89.52 262.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 133.48 262.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 186.88 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.52 262.10 Td (which ) Tj ET Q q 0 0 0 rg BT 224.83 262.10 Td (we ) Tj ET Q q 0 0 0 rg BT 239.35 262.10 Td (operate. ) Tj ET Q q 0 0 0 rg BT 273.93 262.10 Td (W) Tj ET Q q 0 0 0 rg BT 282.57 262.10 Td (e ) Tj ET Q q 0 0 0 rg BT 289.87 262.10 Td (have ) Tj ET Q q 0 0 0 rg BT 311.61 262.10 Td (already ) Tj ET Q q 0 0 0 rg BT 343.90 262.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 395.06 262.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 434.57 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.22 262.10 Td (compliance-related ) Tj ET Q q 0 0 0 rg BT 524.70 262.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 547.56 262.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (we ) Tj ET Q q 0 0 0 rg BT 63.31 250.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 91.06 250.10 Td (that ) Tj ET Q q 0 0 0 rg BT 107.70 250.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 155.45 250.10 Td (with ) Tj ET Q q 0 0 0 rg BT 174.88 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.74 250.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 238.91 250.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 255.00 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.09 250.10 Td (its ) Tj ET Q q 0 0 0 rg BT 282.19 250.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 339.39 250.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 385.48 250.10 Td (will ) Tj ET Q q 0 0 0 rg BT 402.69 250.10 Td (require ) Tj ET Q q 0 0 0 rg BT 432.65 250.10 Td (us ) Tj ET Q q 0 0 0 rg BT 443.20 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 452.63 250.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 478.17 250.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 522.03 250.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (management ) Tj ET Q q 0 0 0 rg BT 103.59 238.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 141.08 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.02 238.10 Td (resources.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 60.19 217.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 77.69 217.10 Td (Quality) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.00 199.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 115.03 199.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 140.24 199.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 170.47 199.10 Td (metrics ) Tj ET Q q 0 0 0 rg BT 202.35 199.10 Td (remained ) Tj ET Q q 0 0 0 rg BT 242.01 199.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 282.22 199.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 307.99 199.10 Td (in ) Tj ET Q q 0 0 0 rg BT 318.22 199.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 340.67 199.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 382.55 199.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.78 199.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 417.73 199.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.00 199.10 Td (The ) Tj ET Q q 0 0 0 rg BT 438.00 199.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 479.34 199.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 520.12 199.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.35 199.10 Td (actively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (address ) Tj ET Q q 0 0 0 rg BT 83.06 187.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 149.45 187.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 175.85 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.37 187.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 228.09 187.10 Td (disciplined ) Tj ET Q q 0 0 0 rg BT 275.05 187.10 Td (in ) Tj ET Q q 0 0 0 rg BT 285.90 187.10 Td (its ) Tj ET Q q 0 0 0 rg BT 298.42 187.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 338.14 187.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.99 187.10 Td (grow ) Tj ET Q q 0 0 0 rg BT 372.61 187.10 Td (without ) Tj ET Q q 0 0 0 rg BT 406.24 187.10 Td (sacrificing ) Tj ET Q q 0 0 0 rg BT 451.52 187.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 474.03 187.10 Td (quality) Tj ET Q q 0 0 0 rg BT 501.15 187.10 Td (. ) Tj ET Q q 0 0 0 rg BT 506.73 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 509.80 187.10 Td (Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 90.76 175.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 125.41 175.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 151.72 175.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 183.05 175.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 226.03 175.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 261.23 175.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 285.88 175.10 Td (as ) Tj ET Q q 0 0 0 rg BT 297.76 175.10 Td (those ) Tj ET Q q 0 0 0 rg BT 322.42 175.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 347.08 175.10 Td (are ) Tj ET Q q 0 0 0 rg BT 362.84 175.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 400.82 175.10 Td (through ) Tj ET Q q 0 0 0 rg BT 435.48 175.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 496.25 175.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 547.57 175.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 88.58 163.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 126.07 163.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 151.34 163.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 177.73 163.10 Td (are ) Tj ET Q q 0 0 0 rg BT 192.44 163.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 223.26 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.54 163.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 299.36 163.10 Td (by ) Tj ET Q q 0 0 0 rg BT 311.86 163.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.57 163.10 Td (FDIC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.83 145.10 Td (particular:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 134.30 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 122.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 122.30 Td (The ) Tj ET Q q 0 0 0 rg BT 92.93 122.30 Td (Company) Tj ET Q q 0 0 0 rg BT 134.60 122.30 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.52 122.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.52 122.30 Td ( ) Tj ET Q q 0 0 0 rg BT 162.56 122.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 202.37 122.30 Td (for ) Tj ET Q q 0 0 0 rg BT 216.07 122.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 240.87 122.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 269.29 122.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 310.76 122.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 344.44 122.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 370.09 122.30 Td (totaled ) Tj ET Q q 0 0 0 rg BT 399.33 122.30 Td ($33.7 ) Tj ET Q q 0 0 0 rg BT 423.87 122.30 Td (million, ) Tj ET Q q 0 0 0 rg BT 457.30 122.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 498.75 122.30 Td (to ) Tj ET Q q 0 0 0 rg BT 508.57 122.30 Td ($22.9 ) Tj ET Q q 0 0 0 rg BT 533.10 122.30 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 110.30 Td (in ) Tj ET Q q 0 0 0 rg BT 85.42 110.30 Td (2014 ) Tj ET Q q 0 0 0 rg BT 107.71 110.30 Td (and ) Tj ET Q q 0 0 0 rg BT 124.44 110.30 Td ($46.0 ) Tj ET Q q 0 0 0 rg BT 149.23 110.30 Td (million ) Tj ET Q q 0 0 0 rg BT 180.41 110.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.48 110.30 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.48 110.30 Td (. ) Tj ET Q q 0 0 0 rg BT 215.27 110.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 232.00 110.30 Td (char) Tj ET Q q 0 0 0 rg BT 249.02 110.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 269.94 110.30 Td (fs, ) Tj ET Q q 0 0 0 rg BT 281.95 110.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 323.68 110.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 357.61 110.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 383.51 110.30 Td (decreased ) Tj ET Q q 0 0 0 rg BT 425.21 110.30 Td (to ) Tj ET Q q 0 0 0 rg BT 435.28 110.30 Td ($19.2 ) Tj ET Q q 0 0 0 rg BT 460.07 110.30 Td (million ) Tj ET Q q 0 0 0 rg BT 491.25 110.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.32 110.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.32 110.30 Td ( ) Tj ET Q q 0 0 0 rg BT 523.61 110.30 Td (\(of ) Tj ET Q q 0 0 0 rg BT 537.56 110.30 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 98.30 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 95.45 98.30 Td (million ) Tj ET Q q 0 0 0 rg BT 126.94 98.30 Td (related ) Tj ET Q q 0 0 0 rg BT 156.74 98.30 Td (to ) Tj ET Q q 0 0 0 rg BT 167.12 98.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 216.91 98.30 Td (and ) Tj ET Q q 0 0 0 rg BT 233.95 98.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 283.75 98.30 Td (real ) Tj ET Q q 0 0 0 rg BT 301.33 98.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 326.70 98.30 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 356.23 98.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 398.26 98.30 Td (to ) Tj ET Q q 0 0 0 rg BT 408.63 98.30 Td ($27.2 ) Tj ET Q q 0 0 0 rg BT 433.73 98.30 Td (million ) Tj ET Q q 0 0 0 rg BT 465.22 98.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.60 98.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.60 98.30 Td ( ) Tj ET Q q 0 0 0 rg BT 498.20 98.30 Td (\(of ) Tj ET Q q 0 0 0 rg BT 512.46 98.30 Td (which ) Tj ET Q q 0 0 0 rg BT 539.50 98.30 Td ($17.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 86.30 Td (million ) Tj ET Q q 0 0 0 rg BT 106.66 86.30 Td (related ) Tj ET Q q 0 0 0 rg BT 136.27 86.30 Td (to ) Tj ET Q q 0 0 0 rg BT 146.47 86.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 196.08 86.30 Td (and ) Tj ET Q q 0 0 0 rg BT 212.93 86.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 262.54 86.30 Td (real ) Tj ET Q q 0 0 0 rg BT 279.94 86.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 305.12 86.30 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 331.97 86.30 Td (and ) Tj ET Q q 0 0 0 rg BT 348.83 86.30 Td ($56.1 ) Tj ET Q q 0 0 0 rg BT 373.74 86.30 Td (million ) Tj ET Q q 0 0 0 rg BT 405.05 86.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.24 86.30 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.24 86.30 Td ( ) Tj ET Q q 0 0 0 rg BT 437.65 86.30 Td (\(of ) Tj ET Q q 0 0 0 rg BT 451.73 86.30 Td (which ) Tj ET Q q 0 0 0 rg BT 478.58 86.30 Td ($42.7 ) Tj ET Q q 0 0 0 rg BT 503.50 86.30 Td (million ) Tj ET Q q 0 0 0 rg BT 534.80 86.30 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 74.30 Td (to ) Tj ET Q q 0 0 0 rg BT 85.63 74.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 135.33 74.30 Td (and ) Tj ET Q q 0 0 0 rg BT 152.26 74.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 201.96 74.30 Td (real ) Tj ET Q q 0 0 0 rg BT 219.45 74.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 244.71 74.30 Td (loans\).) Tj ET Q endstream endobj 99 0 obj <> endobj 100 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (49) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 94.12 742.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 141.92 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 185.67 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 200.55 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 220.99 742.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 250.60 742.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 293.25 742.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 328.12 742.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 354.95 742.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 395.92 742.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.92 742.10 Td ($105.4 ) Tj ET Q q 0 0 0 rg BT 437.64 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.53 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 469.75 742.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.19 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.49 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.49 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 730.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 117.12 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 130.01 730.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 166.22 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.01 730.10 Td ($13.7 ) Tj ET Q q 0 0 0 rg BT 203.97 730.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 238.82 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 250.60 730.10 Td (15%, ) Tj ET Q q 0 0 0 rg BT 274.89 730.10 Td (when ) Tj ET Q q 0 0 0 rg BT 300.01 730.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 342.89 730.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.12 730.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.12 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 379.32 730.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.78 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 452.32 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.32 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 478.27 730.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 539.49 730.10 Td ($43.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 718.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 108.66 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 118.91 718.10 Td (42%, ) Tj ET Q q 0 0 0 rg BT 141.67 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.92 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.06 718.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 208.51 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 222.09 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 241.23 718.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 269.54 718.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 310.90 718.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 344.46 718.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 369.99 718.10 Td (was ) Tj ET Q q 0 0 0 rg BT 387.47 718.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 430.48 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 450.18 718.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 499.30 718.10 Td (real ) Tj ET Q q 0 0 0 rg BT 516.21 718.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 540.89 718.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.29 706.10 Td (another ) Tj ET Q q 0 0 0 rg BT 124.77 706.10 Td ($36.1 ) Tj ET Q q 0 0 0 rg BT 149.77 706.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 183.67 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 194.50 706.10 Td (34%, ) Tj ET Q q 0 0 0 rg BT 217.83 706.10 Td (was ) Tj ET Q q 0 0 0 rg BT 235.88 706.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 279.47 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 299.75 706.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 349.45 706.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 375.56 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 682.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 93.29 682.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 134.58 682.10 Td (has ) Tj ET Q q 0 0 0 rg BT 150.30 682.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 194.91 682.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 233.41 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.58 682.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 293.18 682.10 Td (real ) Tj ET Q q 0 0 0 rg BT 310.56 682.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 337.69 682.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.08 682.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 408.56 682.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.56 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 433.46 682.10 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 453.36 682.10 Td (billion, ) Tj ET Q q 0 0 0 rg BT 484.37 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 495.09 682.10 Td (32%, ) Tj ET Q q 0 0 0 rg BT 518.32 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.05 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 544.77 682.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 670.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 116.69 670.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 159.98 670.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 195.47 670.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 222.93 670.10 Td (was ) Tj ET Q q 0 0 0 rg BT 242.33 670.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 293.37 670.10 Td (real ) Tj ET Q q 0 0 0 rg BT 312.21 670.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 341.32 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 362.95 670.10 Td (more ) Tj ET Q q 0 0 0 rg BT 387.34 670.10 Td (than ) Tj ET Q q 0 0 0 rg BT 408.41 670.10 Td (91% ) Tj ET Q q 0 0 0 rg BT 430.59 670.10 Td (located ) Tj ET Q q 0 0 0 rg BT 463.31 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 474.93 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 492.11 670.10 Td (market ) Tj ET Q q 0 0 0 rg BT 523.73 670.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 546.44 670.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 658.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 124.73 658.10 Td (real ) Tj ET Q q 0 0 0 rg BT 141.91 658.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 166.86 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 186.26 658.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 225.94 658.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 267.56 658.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 310.28 658.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 335.23 658.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 372.96 658.10 Td (\("PCI"\) ) Tj ET Q q 0 0 0 rg BT 405.54 658.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 431.33 658.10 Td (was ) Tj ET Q q 0 0 0 rg BT 449.07 658.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 492.91 658.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.43 658.10 Td ($437.1 ) Tj ET Q q 0 0 0 rg BT 533.11 658.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 646.10 Td (related ) Tj ET Q q 0 0 0 rg BT 105.55 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.33 646.10 Td (land, ) Tj ET Q q 0 0 0 rg BT 139.05 646.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 183.70 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.13 646.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 251.33 646.10 Td (construction, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.26 646.10 Td ($863.0 ) Tj ET Q q 0 0 0 rg BT 336.76 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.65 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.65 646.10 Td (related ) Tj ET Q q 0 0 0 rg BT 398.86 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.63 646.10 Td (of) Tj ET Q q 0 0 0 rg BT 417.78 646.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 435.77 646.10 Td (buildings ) Tj ET Q q 0 0 0 rg BT 475.99 646.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.60 646.10 Td ($868.4 ) Tj ET Q q 0 0 0 rg BT 533.10 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.99 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 634.10 Td (related ) Tj ET Q q 0 0 0 rg BT 104.86 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 114.94 634.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 137.78 634.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.70 634.10 Td ($727.6 ) Tj ET Q q 0 0 0 rg BT 193.50 634.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.39 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 224.69 634.10 Td (related ) Tj ET Q q 0 0 0 rg BT 254.20 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.28 634.10 Td (industrial ) Tj ET Q q 0 0 0 rg BT 304.36 634.10 Td (use, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.49 634.10 Td ($742.3 ) Tj ET Q q 0 0 0 rg BT 352.30 634.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.19 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 383.49 634.10 Td (related ) Tj ET Q q 0 0 0 rg BT 413.00 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 423.08 634.10 Td (multi-family ) Tj ET Q q 0 0 0 rg BT 475.93 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 499.34 634.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.09 634.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 535.89 634.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 622.10 Td (related ) Tj ET Q q 0 0 0 rg BT 105.00 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 115.23 622.10 Td (mixed ) Tj ET Q q 0 0 0 rg BT 142.68 622.10 Td (use ) Tj ET Q q 0 0 0 rg BT 158.46 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.35 622.10 Td (other ) Tj ET Q q 0 0 0 rg BT 198.35 622.10 Td (use ) Tj ET Q q 0 0 0 rg BT 214.13 622.10 Td (types. ) Tj ET Q q 0 0 0 rg BT 240.19 622.10 Td (In ) Tj ET Q q 0 0 0 rg BT 250.97 622.10 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 292.29 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.96 622.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 356.61 622.10 Td (real ) Tj ET Q q 0 0 0 rg BT 374.05 622.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 399.26 622.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 431.98 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.64 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 487.98 622.10 Td (does ) Tj ET Q q 0 0 0 rg BT 508.76 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 523.99 622.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 541.99 622.10 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.62 610.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 136.10 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.48 610.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 171.30 610.10 Td (market ) Tj ET Q q 0 0 0 rg BT 201.12 610.10 Td (statistical ) Tj ET Q q 0 0 0 rg BT 240.93 610.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 262.14 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 271.97 610.10 Td (lar) Tj ET Q q 0 0 0 rg BT 282.33 610.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 293.82 610.10 Td (part ) Tj ET Q q 0 0 0 rg BT 311.42 610.10 Td (because ) Tj ET Q q 0 0 0 rg BT 345.11 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.38 610.10 Td (Company) Tj ET Q q 0 0 0 rg BT 401.05 610.10 Td (s ) Tj ET Q q 0 0 0 rg BT 406.99 610.10 Td (market ) Tj ET Q q 0 0 0 rg BT 436.80 610.10 Td (area ) Tj ET Q q 0 0 0 rg BT 455.50 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 464.22 610.10 Td (diverse ) Tj ET Q q 0 0 0 rg BT 495.14 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.63 610.10 Td (covers ) Tj ET Q q 0 0 0 rg BT 539.78 610.10 Td (many ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 598.10 Td (communities, ) Tj ET Q q 0 0 0 rg BT 132.18 598.10 Td (each ) Tj ET Q q 0 0 0 rg BT 153.17 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.18 598.10 Td (which ) Tj ET Q q 0 0 0 rg BT 191.29 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 200.63 598.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 239.95 598.10 Td (dif) Tj ET Q q 0 0 0 rg BT 250.88 598.10 Td (ferently ) Tj ET Q q 0 0 0 rg BT 284.65 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 297.32 598.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 338.87 598.10 Td (forces ) Tj ET Q q 0 0 0 rg BT 365.97 598.10 Td (af) Tj ET Q q 0 0 0 rg BT 373.56 598.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 404.00 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.89 598.10 Td (Company) Tj ET Q q 0 0 0 rg BT 460.55 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 467.12 598.10 Td (general ) Tj ET Q q 0 0 0 rg BT 499.21 598.10 Td (market ) Tj ET Q q 0 0 0 rg BT 529.65 598.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 550.88 598.10 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 586.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 98.46 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.97 586.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 139.68 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.30 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.80 586.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 195.95 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 206.02 586.10 Td (real ) Tj ET Q q 0 0 0 rg BT 223.29 586.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 248.33 586.10 Td (valuations ) Tj ET Q q 0 0 0 rg BT 291.72 586.10 Td (can ) Tj ET Q q 0 0 0 rg BT 307.88 586.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 327.94 586.10 Td (meaningfully ) Tj ET Q q 0 0 0 rg BT 383.54 586.10 Td (among ) Tj ET Q q 0 0 0 rg BT 413.04 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.54 586.10 Td (dif) Tj ET Q q 0 0 0 rg BT 438.47 586.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 464.07 586.10 Td (types ) Tj ET Q q 0 0 0 rg BT 487.46 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.08 586.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 547.56 586.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 574.10 Td (other ) Tj ET Q q 0 0 0 rg BT 99.66 574.10 Td (real ) Tj ET Q q 0 0 0 rg BT 118.41 574.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 144.94 574.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 169.81 574.10 Td (made ) Tj ET Q q 0 0 0 rg BT 195.23 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 208.99 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.97 574.10 Td (Company) Tj ET Q q 0 0 0 rg BT 263.21 574.10 Td (. ) Tj ET Q q 0 0 0 rg BT 269.20 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 288.51 574.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 331.16 574.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 352.14 574.10 Td (its ) Tj ET Q q 0 0 0 rg BT 365.35 574.10 Td (multi-chartered ) Tj ET Q q 0 0 0 rg BT 430.75 574.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 469.50 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.70 574.10 Td (local ) Tj ET Q q 0 0 0 rg BT 510.90 574.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 562.10 Td (knowledge ) Tj ET Q q 0 0 0 rg BT 121.33 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.22 562.10 Td (analyze ) Tj ET Q q 0 0 0 rg BT 163.86 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.40 562.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 213.60 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.93 562.10 Td (local ) Tj ET Q q 0 0 0 rg BT 249.47 562.10 Td (market ) Tj ET Q q 0 0 0 rg BT 279.34 562.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 323.11 562.10 Td (at ) Tj ET Q q 0 0 0 rg BT 332.43 562.10 Td (each ) Tj ET Q q 0 0 0 rg BT 352.86 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.29 562.10 Td (its ) Tj ET Q q 0 0 0 rg BT 374.85 562.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 402.32 562.10 Td (As ) Tj ET Q q 0 0 0 rg BT 415.54 562.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.98 562.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 484.17 562.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.17 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 508.78 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.10 562.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 550.10 Td (had ) Tj ET Q q 0 0 0 rg BT 92.42 550.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.80 550.10 Td ($26.6 ) Tj ET Q q 0 0 0 rg BT 177.93 550.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.82 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.45 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.41 550.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 286.35 550.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 336.18 550.10 Td (real ) Tj ET Q q 0 0 0 rg BT 353.79 550.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 379.19 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 402.92 550.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 454.98 550.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 515.36 550.10 Td (0.5% ) Tj ET Q q 0 0 0 rg BT 538.82 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 550.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 538.10 Td (total ) Tj ET Q q 0 0 0 rg BT 95.62 538.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 145.32 538.10 Td (real ) Tj ET Q q 0 0 0 rg BT 162.81 538.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 188.07 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 207.79 538.10 Td (portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 514.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 80.76 514.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 98.32 514.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 164.19 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 187.86 514.10 Td (\(loans ) Tj ET Q q 0 0 0 rg BT 214.86 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 227.42 514.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 277.18 514.10 Td (status ) Tj ET Q q 0 0 0 rg BT 302.52 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.52 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 343.18 514.10 Td (more ) Tj ET Q q 0 0 0 rg BT 366.29 514.10 Td (than ) Tj ET Q q 0 0 0 rg BT 386.07 514.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 398.63 514.10 Td (days ) Tj ET Q q 0 0 0 rg BT 419.52 514.10 Td (past ) Tj ET Q q 0 0 0 rg BT 438.19 514.10 Td (due ) Tj ET Q q 0 0 0 rg BT 455.19 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.19 514.10 Td (still ) Tj ET Q q 0 0 0 rg BT 489.76 514.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 526.74 514.10 Td (interest\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 502.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 117.89 502.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 152.65 502.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 179.37 502.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.90 502.10 Td ($84.1 ) Tj ET Q q 0 0 0 rg BT 227.51 502.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.40 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 259.51 502.10 Td (\(of ) Tj ET Q q 0 0 0 rg BT 274.28 502.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.83 502.10 Td ($26.6 ) Tj ET Q q 0 0 0 rg BT 327.44 502.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.33 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 361.94 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.38 502.10 Td (32%) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 391.71 502.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.32 502.10 Td (was ) Tj ET Q q 0 0 0 rg BT 415.98 502.10 Td (related ) Tj ET Q q 0 0 0 rg BT 446.29 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.18 502.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 507.49 502.10 Td (real ) Tj ET Q q 0 0 0 rg BT 525.58 502.10 Td (estate\) ) Tj ET Q q 0 0 0 rg BT 554.79 502.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 490.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 133.93 490.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.93 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 158.93 490.10 Td (an ) Tj ET Q q 0 0 0 rg BT 170.87 490.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 206.13 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 216.96 490.10 Td ($5.4 ) Tj ET Q q 0 0 0 rg BT 236.96 490.10 Td (million ) Tj ET Q q 0 0 0 rg BT 268.35 490.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 310.27 490.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.55 490.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 379.13 490.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.13 490.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 93.89 466.10 Td (Company) Tj ET Q q 0 0 0 rg BT 135.56 466.10 Td (s ) Tj ET Q q 0 0 0 rg BT 142.45 466.10 Td (other ) Tj ET Q q 0 0 0 rg BT 165.99 466.10 Td (real ) Tj ET Q q 0 0 0 rg BT 183.98 466.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 209.74 466.10 Td (owned, ) Tj ET Q q 0 0 0 rg BT 241.90 466.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 284.33 466.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 318.97 466.10 Td (other ) Tj ET Q q 0 0 0 rg BT 342.52 466.10 Td (real ) Tj ET Q q 0 0 0 rg BT 360.50 466.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 386.26 466.10 Td (owned, ) Tj ET Q q 0 0 0 rg BT 418.42 466.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 460.83 466.10 Td (by ) Tj ET Q q 0 0 0 rg BT 473.83 466.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 494.33 466.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 528.72 466.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 466.10 Td ($43.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.24 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.32 454.10 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.50 454.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.50 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 159.08 454.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.59 454.10 Td ($45.6 ) Tj ET Q q 0 0 0 rg BT 205.16 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.06 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 236.13 454.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.42 454.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 303.58 454.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.58 454.10 Td (. ) Tj ET Q q 0 0 0 rg BT 328.01 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 345.63 454.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 382.12 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 391.97 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 414.59 454.10 Td (real ) Tj ET Q q 0 0 0 rg BT 431.66 454.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 456.49 454.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 485.23 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 493.97 454.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 533.26 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 539.78 454.10 Td (result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.43 442.10 Td (disposals ) Tj ET Q q 0 0 0 rg BT 125.85 442.10 Td (during ) Tj ET Q q 0 0 0 rg BT 154.71 442.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 179.76 442.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.05 442.10 Td ($43.9 ) Tj ET Q q 0 0 0 rg BT 223.30 442.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.19 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 254.94 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.02 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 289.32 442.10 Td (real ) Tj ET Q q 0 0 0 rg BT 307.05 442.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 332.56 442.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 361.97 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 373.05 442.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.13 442.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 442.96 442.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.96 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 465.71 442.10 Td (was ) Tj ET Q q 0 0 0 rg BT 484.01 442.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 528.42 442.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 442.10 Td ($29.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.24 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.91 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.90 430.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 167.77 430.10 Td (real ) Tj ET Q q 0 0 0 rg BT 185.42 430.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 210.85 430.10 Td (property) Tj ET Q q 0 0 0 rg BT 244.08 430.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.24 430.10 Td ($1) Tj ET Q q 0 0 0 rg BT 258.87 430.10 Td (1.3 ) Tj ET Q q 0 0 0 rg BT 274.04 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.93 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 305.59 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.59 430.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 360.91 430.10 Td (real ) Tj ET Q q 0 0 0 rg BT 378.56 430.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 403.99 430.10 Td (property ) Tj ET Q q 0 0 0 rg BT 440.53 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.64 430.10 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 477.80 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.69 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 509.36 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.35 430.10 Td (residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 418.10 Td (real ) Tj ET Q q 0 0 0 rg BT 92.84 418.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 118.10 418.10 Td (development ) Tj ET Q q 0 0 0 rg BT 172.25 418.10 Td (property) Tj ET Q q 0 0 0 rg BT 205.48 418.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.08 397.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.08 397.10 Td (, ) Tj ET Q q 0 0 0 rg BT 106.32 397.10 Td (management ) Tj ET Q q 0 0 0 rg BT 160.16 397.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 202.34 397.10 Td (its ) Tj ET Q q 0 0 0 rg BT 214.53 397.10 Td (ef) Tj ET Q q 0 0 0 rg BT 222.12 397.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 243.20 397.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.72 397.10 Td (aggressively ) Tj ET Q q 0 0 0 rg BT 306.46 397.10 Td (resolve ) Tj ET Q q 0 0 0 rg BT 338.08 397.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 374.15 397.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 398.01 397.10 Td (through ) Tj ET Q q 0 0 0 rg BT 431.86 397.10 Td (liquidation, ) Tj ET Q q 0 0 0 rg BT 480.44 397.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 506.50 397.10 Td (than ) Tj ET Q q 0 0 0 rg BT 526.46 397.10 Td (retention ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.67 385.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 84.11 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 94.78 385.10 Td (real ) Tj ET Q q 0 0 0 rg BT 112.10 385.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 137.20 385.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 173.96 385.10 Td (as ) Tj ET Q q 0 0 0 rg BT 184.63 385.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 224.16 385.10 Td (through ) Tj ET Q q 0 0 0 rg BT 257.60 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.16 385.10 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 319.47 385.10 Td (process. ) Tj ET Q q 0 0 0 rg BT 354.30 385.10 Td (Since ) Tj ET Q q 0 0 0 rg BT 378.85 385.10 Td (2009, ) Tj ET Q q 0 0 0 rg BT 403.69 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.24 385.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 459.46 385.10 Td (has ) Tj ET Q q 0 0 0 rg BT 475.13 385.10 Td (attempted ) Tj ET Q q 0 0 0 rg BT 516.89 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.01 385.10 Td (liquidate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.49 373.10 Td (many ) Tj ET Q q 0 0 0 rg BT 86.86 373.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 153.34 373.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 177.60 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.20 373.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 221.69 373.10 Td (as ) Tj ET Q q 0 0 0 rg BT 233.18 373.10 Td (possible. ) Tj ET Q q 0 0 0 rg BT 271.61 373.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 326.97 373.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 362.90 373.10 Td (these ) Tj ET Q q 0 0 0 rg BT 386.60 373.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 418.08 373.10 Td (will ) Tj ET Q q 0 0 0 rg BT 436.80 373.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 461.06 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.43 373.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 518.48 373.10 Td (well ) Tj ET Q q 0 0 0 rg BT 538.85 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 373.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (future ) Tj ET Q q 0 0 0 rg BT 76.41 361.10 Td (by ) Tj ET Q q 0 0 0 rg BT 88.94 361.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 130.35 361.10 Td (some ) Tj ET Q q 0 0 0 rg BT 153.99 361.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 197.06 361.10 Td (for ) Tj ET Q q 0 0 0 rg BT 211.25 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.00 361.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 267.41 361.10 Td (from ) Tj ET Q q 0 0 0 rg BT 289.38 361.10 Td (further ) Tj ET Q q 0 0 0 rg BT 319.12 361.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 358.86 361.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 412.48 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.44 361.10 Td (permitting ) Tj ET Q q 0 0 0 rg BT 473.63 361.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 528.36 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 538.67 361.10 Td (spend ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (less ) Tj ET Q q 0 0 0 rg BT 68.22 349.10 Td (time ) Tj ET Q q 0 0 0 rg BT 89.21 349.10 Td (on ) Tj ET Q q 0 0 0 rg BT 102.42 349.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 145.64 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.18 349.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 193.72 349.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 218.05 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.71 349.10 Td (more ) Tj ET Q q 0 0 0 rg BT 259.47 349.10 Td (time ) Tj ET Q q 0 0 0 rg BT 280.46 349.10 Td (on ) Tj ET Q q 0 0 0 rg BT 293.68 349.10 Td (growing ) Tj ET Q q 0 0 0 rg BT 330.22 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.66 349.10 Td (Company) Tj ET Q q 0 0 0 rg BT 387.32 349.10 Td (s ) Tj ET Q q 0 0 0 rg BT 394.43 349.10 Td (core ) Tj ET Q q 0 0 0 rg BT 414.85 349.10 Td (business ) Tj ET Q q 0 0 0 rg BT 451.96 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.62 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.05 349.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 529.92 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 541.46 349.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 105.27 337.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 146.09 337.10 Td (by ) Tj ET Q q 0 0 0 rg BT 158.59 337.10 Td (this ) Tj ET Q q 0 0 0 rg BT 175.54 337.10 Td (volatile ) Tj ET Q q 0 0 0 rg BT 208.03 337.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 249.40 337.10 Td (environment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 105.19 316.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 146.51 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.28 316.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 183.03 316.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 228.23 316.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 266.22 316.10 Td (toward ) Tj ET Q q 0 0 0 rg BT 296.98 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.18 316.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 344.06 316.10 Td (identification, ) Tj ET Q q 0 0 0 rg BT 402.87 316.10 Td (management ) Tj ET Q q 0 0 0 rg BT 456.95 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.38 316.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 517.36 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.68 316.10 Td (problem ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 76.11 304.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.44 304.10 Td (The ) Tj ET Q q 0 0 0 rg BT 96.49 304.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 137.88 304.10 Td (has ) Tj ET Q q 0 0 0 rg BT 153.72 304.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 203.97 304.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 233.68 304.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 257.29 304.10 Td (by ) Tj ET Q q 0 0 0 rg BT 269.80 304.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 311.19 304.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 352.57 304.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 402.84 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 413.12 304.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 456.17 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 466.45 304.10 Td (better ) Tj ET Q q 0 0 0 rg BT 491.72 304.10 Td (align ) Tj ET Q q 0 0 0 rg BT 514.22 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.94 304.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 553.67 304.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (their ) Tj ET Q q 0 0 0 rg BT 70.40 292.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 93.57 292.10 Td (with ) Tj ET Q q 0 0 0 rg BT 113.42 292.10 Td (their ) Tj ET Q q 0 0 0 rg BT 133.82 292.10 Td (current ) Tj ET Q q 0 0 0 rg BT 164.20 292.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 191.83 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.67 292.10 Td (pay) Tj ET Q q 0 0 0 rg BT 215.46 292.10 Td (. ) Tj ET Q q 0 0 0 rg BT 219.58 292.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.65 292.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 289.80 292.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.80 292.10 Td (, ) Tj ET Q q 0 0 0 rg BT 314.37 292.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.20 292.10 Td ($51.9 ) Tj ET Q q 0 0 0 rg BT 398.77 292.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.66 292.10 Td ( ) Tj ET Q q 0 0 0 rg BT 429.73 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 439.58 292.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 462.76 292.10 Td (had ) Tj ET Q q 0 0 0 rg BT 479.27 292.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 503.56 292.10 Td (modified, ) Tj ET Q q 0 0 0 rg BT 544.23 292.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td ($42.7 ) Tj ET Q q 0 0 0 rg BT 75.74 280.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.63 280.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.88 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.45 280.10 Td (these ) Tj ET Q q 0 0 0 rg BT 143.24 280.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 182.58 280.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 206.93 280.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 252.95 280.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.97 280.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 301.64 280.10 Td (status. ) Tj ET Q q 0 0 0 rg BT 330.16 280.10 Td (See ) Tj ET Q q 0 0 0 rg BT 347.84 280.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 370.52 280.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 378.76 280.10 Td ( ) Tj ET Q q 0 0 0 rg BT 386.29 280.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 432.84 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 447.75 280.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 471.54 280.10 Td (Losses, ) Tj ET Q q 0 0 0 rg BT 503.78 280.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 550.34 280.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 79.70 268.10 Td (on ) Tj ET Q q 0 0 0 rg BT 92.17 268.10 Td (Lending-Related ) Tj ET Q q 0 0 0 rg BT 161.84 268.10 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 220.99 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.90 268.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 276.47 268.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 303.38 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.19 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.88 268.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 384.13 268.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 423.81 268.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 470.17 268.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 510.96 268.10 Td (under ) Tj ET Q q 0 0 0 rg BT 536.20 268.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 557.00 268.10 Td (8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 256.10 Td (this ) Tj ET Q q 0 0 0 rg BT 77.23 256.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 109.17 256.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 138.88 256.10 Td (on ) Tj ET Q q 0 0 0 rg BT 151.38 256.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 175.55 256.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 198.60 256.10 Td (for ) Tj ET Q q 0 0 0 rg BT 212.76 256.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 255.25 256.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 299.42 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.25 256.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 360.51 256.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.01 235.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.37 235.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 132.71 235.10 Td (into ) Tj ET Q q 0 0 0 rg BT 149.74 235.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 192.85 235.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 232.08 235.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 250.77 235.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 267.78 235.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 314.78 235.10 Td (with ) Tj ET Q q 0 0 0 rg BT 334.03 235.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 371.60 235.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.85 235.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.53 235.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 424.33 235.10 Td (course ) Tj ET Q q 0 0 0 rg BT 451.89 235.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.69 235.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 499.44 235.10 Td (The ) Tj ET Q q 0 0 0 rg BT 516.46 235.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 235.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 84.51 223.10 Td (is ) Tj ET Q q 0 0 0 rg BT 94.05 223.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 134.12 223.10 Td (not ) Tj ET Q q 0 0 0 rg BT 149.77 223.10 Td (to ) Tj ET Q q 0 0 0 rg BT 160.41 223.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 186.04 223.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 228.35 223.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 251.76 223.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 269.62 223.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 314.14 223.10 Td (on ) Tj ET Q q 0 0 0 rg BT 327.01 223.10 Td (its ) Tj ET Q q 0 0 0 rg BT 339.33 223.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 372.73 223.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 396.14 223.10 Td (in ) Tj ET Q q 0 0 0 rg BT 406.79 223.10 Td (order ) Tj ET Q q 0 0 0 rg BT 430.76 223.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.40 223.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 477.04 223.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 509.34 223.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 527.20 223.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 547.57 223.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (consequently ) Tj ET Q q 0 0 0 rg BT 105.67 211.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 126.36 211.10 Td (most ) Tj ET Q q 0 0 0 rg BT 148.71 211.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.95 211.10 Td (such ) Tj ET Q q 0 0 0 rg BT 181.19 211.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 225.75 211.10 Td (into ) Tj ET Q q 0 0 0 rg BT 244.22 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.34 211.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 302.79 211.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 335.75 211.10 Td (These ) Tj ET Q q 0 0 0 rg BT 362.53 211.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 410.97 211.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 444.43 211.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 481.20 211.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.89 211.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 530.90 211.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 81.49 199.10 Td (representations ) Tj ET Q q 0 0 0 rg BT 146.31 199.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 195.02 199.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 222.06 199.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 276.06 199.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 297.56 199.10 Td (documentation, ) Tj ET Q q 0 0 0 rg BT 363.78 199.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 405.26 199.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.99 199.10 Td (insurability) Tj ET Q q 0 0 0 rg BT 468.89 199.10 Td (. ) Tj ET Q q 0 0 0 rg BT 475.67 199.10 Td (Investors ) Tj ET Q q 0 0 0 rg BT 516.62 199.10 Td (request ) Tj ET Q q 0 0 0 rg BT 549.78 199.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.94 187.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.77 187.10 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 143.92 187.10 Td (them ) Tj ET Q q 0 0 0 rg BT 165.97 187.10 Td (against ) Tj ET Q q 0 0 0 rg BT 196.34 187.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 222.29 187.10 Td (on ) Tj ET Q q 0 0 0 rg BT 234.34 187.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 263.59 187.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 286.75 187.10 Td (or ) Tj ET Q q 0 0 0 rg BT 297.13 187.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.96 187.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 352.31 187.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 375.47 187.10 Td (which ) Tj ET Q q 0 0 0 rg BT 401.96 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.23 187.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 454.39 187.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 485.31 187.10 Td (do ) Tj ET Q q 0 0 0 rg BT 497.36 187.10 Td (not ) Tj ET Q q 0 0 0 rg BT 512.19 187.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 544.24 187.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 93.74 175.10 Td (representations. ) Tj ET Q q 0 0 0 rg BT 158.83 175.10 Td (An ) Tj ET Q q 0 0 0 rg BT 173.70 175.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 209.10 175.10 Td (in ) Tj ET Q q 0 0 0 rg BT 219.53 175.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 254.95 175.10 Td (for ) Tj ET Q q 0 0 0 rg BT 269.25 175.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 287.46 175.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 353.43 175.10 Td (can ) Tj ET Q q 0 0 0 rg BT 369.95 175.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 414.25 175.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 444.11 175.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 484.52 175.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 519.39 175.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 553.68 175.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 92.17 163.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 128.21 163.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 165.09 163.10 Td ( ) Tj ET Q q 0 0 0 rg BT 167.11 163.10 Td (The ) Tj ET Q q 0 0 0 rg BT 184.84 163.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 218.12 163.10 Td (for ) Tj ET Q q 0 0 0 rg BT 231.96 163.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 272.46 163.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 298.52 163.10 Td (on ) Tj ET Q q 0 0 0 rg BT 310.70 163.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 356.18 163.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.80 163.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 438.29 163.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 466.57 163.10 Td (for ) Tj ET Q q 0 0 0 rg BT 480.41 163.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 524.24 163.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.61 151.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 118.33 151.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 137.50 151.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.77 151.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 186.38 151.10 Td (was ) Tj ET Q q 0 0 0 rg BT 204.43 151.10 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 224.43 151.10 Td (million ) Tj ET Q q 0 0 0 rg BT 255.83 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.76 151.10 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 292.76 151.10 Td (million ) Tj ET Q q 0 0 0 rg BT 324.16 151.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.87 151.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 392.46 151.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.46 151.10 Td ( ) Tj ET Q q 0 0 0 rg BT 414.96 151.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.89 151.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.89 151.10 Td (, ) Tj ET Q q 0 0 0 rg BT 456.89 151.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 504.56 151.10 Td (. ) Tj ET Q q 0 0 0 rg BT 509.56 151.10 Td ( ) Tj ET Q q 0 0 0 rg BT 512.06 151.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (Community Banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (Through ) Tj ET Q q 0 0 0 rg BT 86.34 109.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.58 109.10 Td (community ) Tj ET Q q 0 0 0 rg BT 149.03 109.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 183.15 109.10 Td (franchise, ) Tj ET Q q 0 0 0 rg BT 224.20 109.10 Td (we ) Tj ET Q q 0 0 0 rg BT 237.77 109.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 270.22 109.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 304.34 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.68 109.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 357.57 109.10 Td (services ) Tj ET Q q 0 0 0 rg BT 391.68 109.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 430.80 109.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.48 109.10 Td (individuals, ) Tj ET Q q 0 0 0 rg BT 489.33 109.10 Td (small ) Tj ET Q q 0 0 0 rg BT 512.90 109.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.58 109.10 Td (mid-sized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 97.20 97.10 Td (local ) Tj ET Q q 0 0 0 rg BT 119.11 97.10 Td (governmental ) Tj ET Q q 0 0 0 rg BT 176.57 97.10 Td (units ) Tj ET Q q 0 0 0 rg BT 198.50 97.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.41 97.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 265.67 97.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 294.25 97.10 Td (residing ) Tj ET Q q 0 0 0 rg BT 328.95 97.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 368.64 97.10 Td (in ) Tj ET Q q 0 0 0 rg BT 378.89 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.59 97.10 Td (local ) Tj ET Q q 0 0 0 rg BT 415.50 97.10 Td (areas ) Tj ET Q q 0 0 0 rg BT 438.51 97.10 Td (we ) Tj ET Q q 0 0 0 rg BT 452.65 97.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 485.94 97.10 Td (Profitability ) Tj ET Q q 0 0 0 rg BT 536.75 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.56 97.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 88.60 85.10 Td (is ) Tj ET Q q 0 0 0 rg BT 97.22 85.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 136.38 85.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 163.88 85.10 Td (by ) Tj ET Q q 0 0 0 rg BT 175.83 85.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.11 85.10 Td (net ) Tj ET Q q 0 0 0 rg BT 205.28 85.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 236.66 85.10 Td (income ) Tj ET Q q 0 0 0 rg BT 268.04 85.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.43 85.10 Td (mar) Tj ET Q q 0 0 0 rg BT 299.80 85.10 Td (gin, ) Tj ET Q q 0 0 0 rg BT 317.03 85.10 Td (our ) Tj ET Q q 0 0 0 rg BT 332.31 85.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 365.37 85.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 382.88 85.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.27 85.10 Td (related ) Tj ET Q q 0 0 0 rg BT 428.42 85.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 452.87 85.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.04 85.10 Td (level ) Tj ET Q q 0 0 0 rg BT 488.42 85.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.70 85.10 Td (non-performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.58 73.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.48 73.10 Td (other ) Tj ET Q q 0 0 0 rg BT 113.50 73.10 Td (real ) Tj ET Q q 0 0 0 rg BT 130.95 73.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 156.18 73.10 Td (owned, ) Tj ET Q q 0 0 0 rg BT 187.81 73.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.49 73.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 234.95 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.75 73.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.98 73.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 320.67 73.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 354.78 73.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.68 73.10 Td (our ) Tj ET Q q 0 0 0 rg BT 387.48 73.10 Td (history ) Tj ET Q q 0 0 0 rg BT 417.73 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.52 73.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 468.76 73.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 503.44 73.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 547.56 73.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (establishing ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 100.27 61.10 Td (de ) Tj ET Q q 0 0 0 rg BT 112.21 61.10 Td (novo) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.65 61.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.15 61.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 162.48 61.10 Td ( ) Tj ET Q endstream endobj 101 0 obj <> endobj 102 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (50) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.61 742.10 Td (inter) Tj ET Q q 0 0 0 rg BT 85.12 742.10 Td (est ) Tj ET Q q 0 0 0 rg BT 98.95 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 130.55 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.27 742.10 Td (mar) Tj ET Q q 0 0 0 rg BT 164.01 742.10 Td (gin) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.79 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 181.81 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 200.08 742.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 234.45 742.10 Td (source ) Tj ET Q q 0 0 0 rg BT 263.27 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.32 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 290.37 742.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 324.73 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 334.12 742.10 Td (net ) Tj ET Q q 0 0 0 rg BT 349.06 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 381.21 742.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 415.87 742.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 433.03 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 465.18 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 497.33 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 506.72 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.66 742.10 Td (dif) Tj ET Q q 0 0 0 rg BT 532.59 742.10 Td (ference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (between ) Tj ET Q q 0 0 0 rg BT 85.84 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 117.80 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 149.76 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.72 730.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 185.34 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 197.87 730.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 230.38 730.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 258.73 730.10 Td (such ) Tj ET Q q 0 0 0 rg BT 279.58 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 290.44 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.07 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.04 730.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 373.82 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.79 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 422.74 730.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 457.48 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 470.00 730.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 509.74 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.04 730.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 540.90 730.10 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 79.13 718.10 Td (including ) Tj ET Q q 0 0 0 rg BT 120.19 718.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 156.27 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.00 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 197.84 718.10 Td (borrowings. ) Tj ET Q q 0 0 0 rg BT 249.19 718.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 266.92 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 299.65 718.10 Td (income ) Tj ET Q q 0 0 0 rg BT 332.38 718.10 Td (can ) Tj ET Q q 0 0 0 rg BT 349.55 718.10 Td (change ) Tj ET Q q 0 0 0 rg BT 381.16 718.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 434.45 718.10 Td (from ) Tj ET Q q 0 0 0 rg BT 457.18 718.10 Td (period ) Tj ET Q q 0 0 0 rg BT 486.02 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.09 718.10 Td (period ) Tj ET Q q 0 0 0 rg BT 525.94 718.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.00 718.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (general ) Tj ET Q q 0 0 0 rg BT 82.17 706.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 108.24 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.31 706.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 151.49 706.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 175.61 706.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 215.00 706.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 264.95 706.10 Td (patterns, ) Tj ET Q q 0 0 0 rg BT 301.85 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.81 706.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 335.11 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.18 706.10 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 411.67 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 437.75 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.93 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.89 706.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 488.19 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.26 706.10 Td (interest-bearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 694.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 117.20 694.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 149.69 694.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 184.97 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.90 694.10 Td (borrowings.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (Funding ) Tj ET Q q 0 0 0 rg BT 85.60 673.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 101.76 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.47 673.10 Td (r) Tj ET Q q 0 0 0 rg BT 121.99 673.10 Td (elated ) Tj ET Q q 0 0 0 rg BT 148.14 673.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.64 673.10 Td ( ) Tj ET Q q 0 0 0 rg BT 172.24 673.10 Td (The ) Tj ET Q q 0 0 0 rg BT 189.50 673.10 Td (most ) Tj ET Q q 0 0 0 rg BT 210.66 673.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 254.59 673.10 Td (source ) Tj ET Q q 0 0 0 rg BT 282.41 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.45 673.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 325.28 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.77 673.10 Td (community ) Tj ET Q q 0 0 0 rg BT 382.04 673.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 415.97 673.10 Td (is ) Tj ET Q q 0 0 0 rg BT 424.36 673.10 Td (core ) Tj ET Q q 0 0 0 rg BT 443.28 673.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 480.28 673.10 Td (which ) Tj ET Q q 0 0 0 rg BT 506.43 673.10 Td (are ) Tj ET Q q 0 0 0 rg BT 520.36 673.10 Td (comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.35 661.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 110.14 661.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 142.15 661.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 179.45 661.10 Td (non-brokered ) Tj ET Q q 0 0 0 rg BT 235.34 661.10 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 300.11 661.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 346.01 661.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 385.51 661.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 417.54 661.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 452.34 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.80 661.10 Td (domestic ) Tj ET Q q 0 0 0 rg BT 506.93 661.10 Td (time ) Tj ET Q q 0 0 0 rg BT 526.72 661.10 Td (deposits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.40 649.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 98.46 649.10 Td (network ) Tj ET Q q 0 0 0 rg BT 134.07 649.10 Td (is ) Tj ET Q q 0 0 0 rg BT 143.59 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.66 649.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 197.05 649.10 Td (source ) Tj ET Q q 0 0 0 rg BT 226.00 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.18 649.10 Td (core ) Tj ET Q q 0 0 0 rg BT 257.23 649.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 295.36 649.10 Td (which ) Tj ET Q q 0 0 0 rg BT 322.65 649.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 362.70 649.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 386.09 649.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 411.70 649.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 443.99 649.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 465.71 649.10 Td (than ) Tj ET Q q 0 0 0 rg BT 485.78 649.10 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 528.61 649.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 553.68 649.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 99.36 637.10 Td (maturities. ) Tj ET Q q 0 0 0 rg BT 144.57 637.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 195.07 637.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 230.01 637.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 280.50 637.10 Td (has ) Tj ET Q q 0 0 0 rg BT 296.55 637.10 Td (been ) Tj ET Q q 0 0 0 rg BT 318.14 637.10 Td (bolstered ) Tj ET Q q 0 0 0 rg BT 357.52 637.10 Td (in ) Tj ET Q q 0 0 0 rg BT 368.02 637.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 395.16 637.10 Td (years ) Tj ET Q q 0 0 0 rg BT 418.98 637.10 Td (as ) Tj ET Q q 0 0 0 rg BT 430.03 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.97 637.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 486.57 637.10 Td (funded ) Tj ET Q q 0 0 0 rg BT 517.06 637.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 544.78 637.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.57 625.10 Td (with ) Tj ET Q q 0 0 0 rg BT 100.59 625.10 Td (a ) Tj ET Q q 0 0 0 rg BT 107.27 625.10 Td (more ) Tj ET Q q 0 0 0 rg BT 130.06 625.10 Td (desirable ) Tj ET Q q 0 0 0 rg BT 168.39 625.10 Td (blend ) Tj ET Q q 0 0 0 rg BT 192.85 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.42 625.10 Td (funds. ) Tj ET Q q 0 0 0 rg BT 229.89 625.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 279.79 625.10 Td (, ) Tj ET Q q 0 0 0 rg BT 284.53 625.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 334.54 625.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 366.77 625.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 401.79 625.10 Td (have ) Tj ET Q q 0 0 0 rg BT 422.90 625.10 Td (grown ) Tj ET Q q 0 0 0 rg BT 450.70 625.10 Td (as ) Tj ET Q q 0 0 0 rg BT 461.27 625.10 Td (a ) Tj ET Q q 0 0 0 rg BT 467.95 625.10 Td (result ) Tj ET Q q 0 0 0 rg BT 492.41 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.98 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.44 625.10 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.70 613.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 134.41 613.10 Td (initiative ) Tj ET Q q 0 0 0 rg BT 172.46 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.40 613.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 212.45 613.10 Td (term ) Tj ET Q q 0 0 0 rg BT 233.27 613.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 279.63 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.46 613.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 325.74 613.10 Td (have ) Tj ET Q q 0 0 0 rg BT 347.11 613.10 Td (been ) Tj ET Q q 0 0 0 rg BT 368.49 613.10 Td (running ) Tj ET Q q 0 0 0 rg BT 402.10 613.10 Td (of) Tj ET Q q 0 0 0 rg BT 410.25 613.10 Td (f ) Tj ET Q q 0 0 0 rg BT 416.08 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.02 613.10 Td (renewing ) Tj ET Q q 0 0 0 rg BT 472.72 613.10 Td (at ) Tj ET Q q 0 0 0 rg BT 482.44 613.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 507.71 613.10 Td (rates.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 74.44 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.01 592.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 151.13 592.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 175.59 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.38 592.10 Td (other ) Tj ET Q q 0 0 0 rg BT 217.28 592.10 Td (r) Tj ET Q q 0 0 0 rg BT 220.80 592.10 Td (eal ) Tj ET Q q 0 0 0 rg BT 235.81 592.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 261.92 592.10 Td (owned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.03 592.10 Td (. ) Tj ET Q q 0 0 0 rg BT 293.12 592.10 Td (The ) Tj ET Q q 0 0 0 rg BT 311.45 592.10 Td (level ) Tj ET Q q 0 0 0 rg BT 333.68 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.80 592.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 410.90 592.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 434.80 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.03 592.10 Td (other ) Tj ET Q q 0 0 0 rg BT 475.36 592.10 Td (real ) Tj ET Q q 0 0 0 rg BT 493.14 592.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 518.69 592.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 548.14 592.10 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 101.89 580.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 131.00 580.10 Td (our ) Tj ET Q q 0 0 0 rg BT 146.23 580.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 195.90 580.10 Td (as ) Tj ET Q q 0 0 0 rg BT 206.13 580.10 Td (these ) Tj ET Q q 0 0 0 rg BT 228.57 580.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 251.58 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.92 580.10 Td (other ) Tj ET Q q 0 0 0 rg BT 290.37 580.10 Td (real ) Tj ET Q q 0 0 0 rg BT 307.25 580.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 331.91 580.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 360.47 580.10 Td (do ) Tj ET Q q 0 0 0 rg BT 372.37 580.10 Td (not ) Tj ET Q q 0 0 0 rg BT 387.05 580.10 Td (accrue ) Tj ET Q q 0 0 0 rg BT 415.03 580.10 Td (any ) Tj ET Q q 0 0 0 rg BT 431.37 580.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 465.21 580.10 Td (can ) Tj ET Q q 0 0 0 rg BT 480.98 580.10 Td (be ) Tj ET Q q 0 0 0 rg BT 492.32 580.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 522.54 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.22 580.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.25 580.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 568.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 67.41 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 83.88 568.10 Td (write-downs ) Tj ET Q q 0 0 0 rg BT 135.91 568.10 Td (due ) Tj ET Q q 0 0 0 rg BT 152.38 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.20 568.10 Td (deteriorating ) Tj ET Q q 0 0 0 rg BT 215.32 568.10 Td (market ) Tj ET Q q 0 0 0 rg BT 245.12 568.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 288.82 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.30 568.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 344.54 568.10 Td (result ) Tj ET Q q 0 0 0 rg BT 368.79 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 378.60 568.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 420.63 568.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 442.10 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.57 568.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 503.93 568.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 544.57 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.45 568.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.08 556.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 122.34 556.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 152.62 556.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 192.32 556.10 Td (have ) Tj ET Q q 0 0 0 rg BT 213.70 556.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 254.53 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 264.80 556.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 291.73 556.10 Td (years. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.69 535.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 126.17 535.10 Td (r) Tj ET Q q 0 0 0 rg BT 129.69 535.10 Td (evenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.44 535.10 Td (. ) Tj ET Q q 0 0 0 rg BT 162.19 535.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 180.00 535.10 Td (community ) Tj ET Q q 0 0 0 rg BT 227.81 535.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 262.28 535.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 301.18 535.10 Td (is ) Tj ET Q q 0 0 0 rg BT 310.10 535.10 Td (also ) Tj ET Q q 0 0 0 rg BT 328.47 535.10 Td (influenced ) Tj ET Q q 0 0 0 rg BT 372.92 535.10 Td (by ) Tj ET Q q 0 0 0 rg BT 385.18 535.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.65 535.10 Td (level ) Tj ET Q q 0 0 0 rg BT 421.34 535.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.92 535.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 450.28 535.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 491.40 535.10 Td (by ) Tj ET Q q 0 0 0 rg BT 503.65 535.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.12 535.10 Td (origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.98 523.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 103.29 523.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 146.59 523.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.69 523.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.56 523.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 193.75 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.74 523.10 Td (such ) Tj ET Q q 0 0 0 rg BT 223.72 523.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 267.03 523.10 Td (into ) Tj ET Q q 0 0 0 rg BT 284.24 523.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.11 523.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 340.30 523.10 Td (market ) Tj ET Q q 0 0 0 rg BT 369.71 523.10 Td (by ) Tj ET Q q 0 0 0 rg BT 381.25 523.10 Td (W) Tj ET Q q 0 0 0 rg BT 390.29 523.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 417.50 523.10 Td (Mortgage. ) Tj ET Q q 0 0 0 rg BT 460.41 523.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.60 523.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 518.14 523.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (an ) Tj ET Q q 0 0 0 rg BT 61.88 511.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 97.08 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.85 511.10 Td ($23.4 ) Tj ET Q q 0 0 0 rg BT 132.79 511.10 Td (million ) Tj ET Q q 0 0 0 rg BT 164.13 511.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.35 511.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 214.56 511.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 249.22 511.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 283.30 511.10 Td (in ) Tj ET Q q 0 0 0 rg BT 293.53 511.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 315.97 511.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 357.83 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.06 511.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 390.50 511.10 Td (as ) Tj ET Q q 0 0 0 rg BT 401.27 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 408.15 511.10 Td (result ) Tj ET Q q 0 0 0 rg BT 432.81 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.59 511.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 471.58 511.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 517.90 511.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 554.23 511.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 75.00 499.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 116.38 499.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 166.65 499.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.36 499.10 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 216.36 499.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.48 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.98 499.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.91 499.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 281.91 499.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.03 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 310.53 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 320.81 499.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 343.31 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.24 499.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 385.24 499.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 432.91 499.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Expansion ) Tj ET Q q 0 0 0 rg BT 94.10 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.77 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 137.87 478.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.15 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 185.04 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 186.92 478.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 204.36 478.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 243.46 478.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 280.32 478.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 332.73 478.10 Td (has ) Tj ET Q q 0 0 0 rg BT 347.95 478.10 Td (been ) Tj ET Q q 0 0 0 rg BT 368.71 478.10 Td (af) Tj ET Q q 0 0 0 rg BT 376.30 478.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 402.61 478.10 Td (by ) Tj ET Q q 0 0 0 rg BT 414.50 478.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 436.38 478.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 479.36 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 499.03 478.10 Td (growing ) Tj ET Q q 0 0 0 rg BT 534.24 478.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (share ) Tj ET Q q 0 0 0 rg BT 75.50 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 87.69 466.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 124.87 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.71 466.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 171.72 466.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 223.90 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.74 466.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 284.91 466.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 315.15 466.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 351.77 466.10 Td (new ) Tj ET Q q 0 0 0 rg BT 372.83 466.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 404.44 466.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 443.28 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.12 466.10 Td (building ) Tj ET Q q 0 0 0 rg BT 499.86 466.10 Td (an ) Tj ET Q q 0 0 0 rg BT 513.70 466.10 Td (experienced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.18 454.10 Td (team. ) Tj ET Q q 0 0 0 rg BT 129.20 454.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 147.84 454.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 185.91 454.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 239.53 454.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 279.82 454.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 312.33 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.64 454.10 Td (improved ) Tj ET Q q 0 0 0 rg BT 369.05 454.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 419.91 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.33 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 447.75 454.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 483.06 454.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 533.37 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.79 454.10 Td (they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (mature, ) Tj ET Q q 0 0 0 rg BT 82.07 442.10 Td (of) Tj ET Q q 0 0 0 rg BT 90.22 442.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 106.46 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 118.26 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.29 442.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 154.09 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.22 442.10 Td (establishing ) Tj ET Q q 0 0 0 rg BT 213.80 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.04 442.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 269.61 442.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 294.75 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.99 442.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 345.01 442.10 Td (new ) Tj ET Q q 0 0 0 rg BT 363.47 442.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 392.49 442.10 Td (facilities. ) Tj ET Q q 0 0 0 rg BT 431.22 442.10 Td (From ) Tj ET Q q 0 0 0 rg BT 454.69 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 469.83 442.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 517.43 442.10 Td (it ) Tj ET Q q 0 0 0 rg BT 524.79 442.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (takes ) Tj ET Q q 0 0 0 rg BT 73.00 430.10 Td (over ) Tj ET Q q 0 0 0 rg BT 93.22 430.10 Td (13 ) Tj ET Q q 0 0 0 rg BT 105.67 430.10 Td (months ) Tj ET Q q 0 0 0 rg BT 137.57 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 151.69 430.10 Td (new ) Tj ET Q q 0 0 0 rg BT 170.80 430.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 196.58 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.81 430.10 Td (achieve ) Tj ET Q q 0 0 0 rg BT 239.80 430.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 287.23 430.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 337.45 430.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 381.56 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 394.01 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.68 430.10 Td (number ) Tj ET Q q 0 0 0 rg BT 441.68 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.57 430.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 487.14 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 497.92 430.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 527.58 430.10 Td (facilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (added.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.40 397.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 112.78 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.06 397.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 157.24 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.64 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.92 397.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 219.20 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.60 397.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 273.65 397.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 312.26 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.65 397.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 358.38 397.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 387.28 397.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.78 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.06 397.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 467.01 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.41 397.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 521.46 397.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 550.36 397.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 86.09 385.10 Td (many ) Tj ET Q q 0 0 0 rg BT 110.53 385.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 142.45 385.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 190.75 385.10 Td (our ) Tj ET Q q 0 0 0 rg BT 206.30 385.10 Td (perceived ) Tj ET Q q 0 0 0 rg BT 247.38 385.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 275.14 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.14 385.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 312.35 385.10 Td (an ) Tj ET Q q 0 0 0 rg BT 324.00 385.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 361.75 385.10 Td (return ) Tj ET Q q 0 0 0 rg BT 387.84 385.10 Td (on ) Tj ET Q q 0 0 0 rg BT 400.06 385.10 Td (our ) Tj ET Q q 0 0 0 rg BT 415.61 385.10 Td (invested ) Tj ET Q q 0 0 0 rg BT 451.15 385.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 480.01 385.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 507.78 385.10 Td (lar) Tj ET Q q 0 0 0 rg BT 518.14 385.10 Td (gely ) Tj ET Q q 0 0 0 rg BT 537.58 385.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 385.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (then ) Tj ET Q q 0 0 0 rg BT 70.25 373.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 104.95 373.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 124.09 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.46 373.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 160.71 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.18 373.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 211.21 373.10 Td (mar) Tj ET Q q 0 0 0 rg BT 226.58 373.10 Td (gins, ) Tj ET Q q 0 0 0 rg BT 248.78 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.03 373.10 Td (general ) Tj ET Q q 0 0 0 rg BT 296.49 373.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 338.40 373.10 Td (climate ) Tj ET Q q 0 0 0 rg BT 370.86 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.33 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.58 373.10 Td (level ) Tj ET Q q 0 0 0 rg BT 426.05 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.41 373.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 488.21 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 499.03 373.10 Td (a ) Tj ET Q q 0 0 0 rg BT 506.50 373.10 Td (given ) Tj ET Q q 0 0 0 rg BT 531.75 373.10 Td (market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (While ) Tj ET Q q 0 0 0 rg BT 76.09 361.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 118.29 361.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 149.94 361.10 Td (from ) Tj ET Q q 0 0 0 rg BT 171.03 361.10 Td (2007 ) Tj ET Q q 0 0 0 rg BT 192.69 361.10 Td (through ) Tj ET Q q 0 0 0 rg BT 225.45 361.10 Td (2009 ) Tj ET Q q 0 0 0 rg BT 247.10 361.10 Td (had ) Tj ET Q q 0 0 0 rg BT 263.20 361.10 Td (been ) Tj ET Q q 0 0 0 rg BT 283.73 361.10 Td (at ) Tj ET Q q 0 0 0 rg BT 292.60 361.10 Td (a ) Tj ET Q q 0 0 0 rg BT 298.70 361.10 Td (level ) Tj ET Q q 0 0 0 rg BT 319.79 361.10 Td (below ) Tj ET Q q 0 0 0 rg BT 345.88 361.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 373.07 361.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 404.16 361.10 Td (in ) Tj ET Q q 0 0 0 rg BT 413.59 361.10 Td (our ) Tj ET Q q 0 0 0 rg BT 428.58 361.10 Td (history) Tj ET Q q 0 0 0 rg BT 455.71 361.10 Td (, ) Tj ET Q q 0 0 0 rg BT 459.86 361.10 Td (we ) Tj ET Q q 0 0 0 rg BT 473.18 361.10 Td (resumed ) Tj ET Q q 0 0 0 rg BT 508.71 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.58 361.10 Td (formation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.62 349.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 102.91 349.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 140.73 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.47 349.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 207.53 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.15 349.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 260.44 349.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 286.06 349.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 318.35 349.10 Td (in ) Tj ET Q q 0 0 0 rg BT 328.42 349.10 Td (2010. ) Tj ET Q q 0 0 0 rg BT 353.21 349.10 Td (See ) Tj ET Q q 0 0 0 rg BT 369.94 349.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 413.90 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.53 349.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 446.82 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.55 349.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 485.84 349.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 532.02 349.10 Td (activity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 337.10 Td (Recent ) Tj ET Q q 0 0 0 rg BT 109.15 337.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 158.13 337.10 Td (T) Tj ET Q q 0 0 0 rg BT 163.89 337.10 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 215.81 337.10 Td (section ) Tj ET Q q 0 0 0 rg BT 246.64 337.10 Td (below) Tj ET Q q 0 0 0 rg BT 270.42 337.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.90 316.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 98.24 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.58 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.37 316.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 156.14 316.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 203.02 316.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 232.97 316.10 Td (before ) Tj ET Q q 0 0 0 rg BT 262.07 316.10 Td (we ) Tj ET Q q 0 0 0 rg BT 277.30 316.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 309.18 316.10 Td (in ) Tj ET Q q 0 0 0 rg BT 320.52 316.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 364.64 316.10 Td (through ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 399.31 316.10 Td (de ) Tj ET Q q 0 0 0 rg BT 412.32 316.10 Td (novo) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.76 316.10 Td ( ) Tj ET Q q 0 0 0 rg BT 435.32 316.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 474.43 316.10 Td (we ) Tj ET Q q 0 0 0 rg BT 489.66 316.10 Td (must ) Tj ET Q q 0 0 0 rg BT 512.67 316.10 Td (first ) Tj ET Q q 0 0 0 rg BT 532.35 316.10 Td (make ) Tj ET Q q 0 0 0 rg BT 557.57 316.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (determination ) Tj ET Q q 0 0 0 rg BT 108.35 304.10 Td (that ) Tj ET Q q 0 0 0 rg BT 126.15 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.18 304.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 184.54 304.10 Td (fulfills ) Tj ET Q q 0 0 0 rg BT 214.01 304.10 Td (our ) Tj ET Q q 0 0 0 rg BT 230.15 304.10 Td (objective ) Tj ET Q q 0 0 0 rg BT 269.61 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.75 304.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 324.66 304.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 374.11 304.10 Td (value ) Tj ET Q q 0 0 0 rg BT 398.58 304.10 Td (through ) Tj ET Q q 0 0 0 rg BT 432.50 304.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 470.30 304.10 Td (future ) Tj ET Q q 0 0 0 rg BT 496.98 304.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 533.67 304.10 Td (growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.05 292.10 Td (enhancement ) Tj ET Q q 0 0 0 rg BT 120.42 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 130.36 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.19 292.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 173.57 292.10 Td (franchise ) Tj ET Q q 0 0 0 rg BT 211.83 292.10 Td (value ) Tj ET Q q 0 0 0 rg BT 235.10 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.04 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.87 292.10 Td (Company) Tj ET Q q 0 0 0 rg BT 297.11 292.10 Td (. ) Tj ET Q q 0 0 0 rg BT 301.22 292.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 340.00 292.10 Td (, ) Tj ET Q q 0 0 0 rg BT 344.11 292.10 Td (we ) Tj ET Q q 0 0 0 rg BT 357.38 292.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 387.87 292.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 406.98 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.37 292.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 446.31 292.10 Td (market ) Tj ET Q q 0 0 0 rg BT 475.69 292.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 521.46 292.10 Td (expansion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (through ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 84.23 280.10 Td (de ) Tj ET Q q 0 0 0 rg BT 96.78 280.10 Td (novo) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.22 280.10 Td ( ) Tj ET Q q 0 0 0 rg BT 119.34 280.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 150.79 280.10 Td (is ) Tj ET Q q 0 0 0 rg BT 160.57 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.13 280.10 Td (better ) Tj ET Q q 0 0 0 rg BT 194.01 280.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 236.56 280.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 283.56 280.10 Td (than ) Tj ET Q q 0 0 0 rg BT 303.90 280.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 344.78 280.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 371.23 280.10 Td (because ) Tj ET Q q 0 0 0 rg BT 405.99 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.32 280.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 440.55 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.45 280.10 Td (bring ) Tj ET Q q 0 0 0 rg BT 475.67 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 483.23 280.10 Td (de ) Tj ET Q q 0 0 0 rg BT 495.78 280.10 Td (novo ) Tj ET Q q 0 0 0 rg BT 518.90 280.10 Td (location ) Tj ET Q q 0 0 0 rg BT 554.23 280.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 99.71 268.10 Td (is ) Tj ET Q q 0 0 0 rg BT 108.32 268.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 147.46 268.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 199.95 268.10 Td (less ) Tj ET Q q 0 0 0 rg BT 216.89 268.10 Td (than ) Tj ET Q q 0 0 0 rg BT 236.05 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.21 268.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 288.25 268.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 307.41 268.10 Td (for ) Tj ET Q q 0 0 0 rg BT 321.01 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.16 268.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 380.98 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.25 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 397.63 268.10 Td (healthy ) Tj ET Q q 0 0 0 rg BT 429.01 268.10 Td (bank. ) Tj ET Q q 0 0 0 rg BT 452.88 268.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 474.81 268.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 523.42 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.13 268.10 Td (expand ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.91 256.10 Td (unique ) Tj ET Q q 0 0 0 rg BT 88.37 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 110.06 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 116.74 256.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 135.09 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.77 256.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 181.78 256.10 Td (perspective. ) Tj ET Q q 0 0 0 rg BT 232.06 256.10 Td (Both ) Tj ET Q q 0 0 0 rg BT 253.75 256.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 313.21 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.90 256.10 Td (non-FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 407.69 256.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 457.71 256.10 Td (of) Tj ET Q q 0 0 0 rg BT 465.86 256.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 479.20 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 485.88 256.10 Td (unique ) Tj ET Q q 0 0 0 rg BT 515.34 256.10 Td (opportunity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.54 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.63 244.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 121.39 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 132.05 244.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 163.80 244.10 Td (into ) Tj ET Q q 0 0 0 rg BT 182.23 244.10 Td (new ) Tj ET Q q 0 0 0 rg BT 201.77 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.08 244.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 253.62 244.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 288.15 244.10 Td (in ) Tj ET Q q 0 0 0 rg BT 298.81 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 306.12 244.10 Td (non-traditional ) Tj ET Q q 0 0 0 rg BT 368.43 244.10 Td (manner) Tj ET Q q 0 0 0 rg BT 397.86 244.10 Td (. ) Tj ET Q q 0 0 0 rg BT 403.24 244.10 Td (Potential ) Tj ET Q q 0 0 0 rg BT 441.67 244.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 492.31 244.10 Td (are ) Tj ET Q q 0 0 0 rg BT 507.40 244.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 546.92 244.10 Td (in ) Tj ET Q q 0 0 0 rg BT 557.57 244.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 80.57 232.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 113.35 232.10 Td (as ) Tj ET Q q 0 0 0 rg BT 124.48 232.10 Td (a ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 131.72 232.10 Td (de ) Tj ET Q q 0 0 0 rg BT 143.96 232.10 Td (novo) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.39 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 166.19 232.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 196.20 232.10 Td (opportunities, ) Tj ET Q q 0 0 0 rg BT 254.27 232.10 Td (however) Tj ET Q q 0 0 0 rg BT 288.30 232.10 Td (, ) Tj ET Q q 0 0 0 rg BT 293.59 232.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 353.61 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.85 232.10 Td (non-FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 449.20 232.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 499.77 232.10 Td (have ) Tj ET Q q 0 0 0 rg BT 521.45 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.46 232.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.60 220.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 113.42 220.10 Td (enhance ) Tj ET Q q 0 0 0 rg BT 149.00 220.10 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 198.47 220.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 225.45 220.10 Td (Factors ) Tj ET Q q 0 0 0 rg BT 257.71 220.10 Td (including ) Tj ET Q q 0 0 0 rg BT 298.31 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.36 220.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 353.39 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.55 220.10 Td (our ) Tj ET Q q 0 0 0 rg BT 380.71 220.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 407.14 220.10 Td (other ) Tj ET Q q 0 0 0 rg BT 430.51 220.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 472.21 220.10 Td (market ) Tj ET Q q 0 0 0 rg BT 502.80 220.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 549.79 220.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (size ) Tj ET Q q 0 0 0 rg BT 67.74 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 84.37 208.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 109.33 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.85 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.26 208.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 174.76 208.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 217.50 208.10 Td (opportunity ) Tj ET Q q 0 0 0 rg BT 266.35 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.98 208.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 332.38 208.10 Td (landscape ) Tj ET Q q 0 0 0 rg BT 374.00 208.10 Td (all ) Tj ET Q q 0 0 0 rg BT 386.18 208.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 425.58 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.99 208.10 Td (decision ) Tj ET Q q 0 0 0 rg BT 475.50 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.47 208.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 516.54 208.10 Td (via ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 530.95 208.10 Td (de ) Tj ET Q q 0 0 0 rg BT 542.58 208.10 Td (novo) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.83 196.10 Td (or ) Tj ET Q q 0 0 0 rg BT 91.66 196.10 Td (through ) Tj ET Q q 0 0 0 rg BT 125.27 196.10 Td (acquisition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (Specialty Finance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (Through ) Tj ET Q q 0 0 0 rg BT 88.28 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 105.45 154.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 144.83 154.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 178.09 154.10 Td (segment, ) Tj ET Q q 0 0 0 rg BT 217.76 154.10 Td (we ) Tj ET Q q 0 0 0 rg BT 233.26 154.10 Td (of) Tj ET Q q 0 0 0 rg BT 241.41 154.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 256.35 154.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 297.95 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.12 154.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 352.28 154.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 396.11 154.10 Td (for ) Tj ET Q q 0 0 0 rg BT 411.61 154.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 457.67 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.95 154.10 Td (individuals; ) Tj ET Q q 0 0 0 rg BT 527.01 154.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 93.58 142.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 136.34 142.10 Td (value-added, ) Tj ET Q q 0 0 0 rg BT 190.21 142.10 Td (out-sourced ) Tj ET Q q 0 0 0 rg BT 239.91 142.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 299.62 142.10 Td (services; ) Tj ET Q q 0 0 0 rg BT 337.10 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 354.04 142.10 Td (other ) Tj ET Q q 0 0 0 rg BT 377.09 142.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 415.13 142.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 447.06 142.10 Td (businesses. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 93.60 121.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.88 121.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 137.95 121.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 155.45 121.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 197.94 121.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 207.57 121.10 Td (emiums) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.82 100.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 101.76 100.10 Td (driver ) Tj ET Q q 0 0 0 rg BT 127.91 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.52 100.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 188.57 100.10 Td (related ) Tj ET Q q 0 0 0 rg BT 218.05 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.10 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.60 100.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 282.64 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.25 100.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 342.72 100.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 383.32 100.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 425.59 100.10 Td (is ) Tj ET Q q 0 0 0 rg BT 434.54 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.03 100.10 Td (net ) Tj ET Q q 0 0 0 rg BT 463.53 100.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 495.24 100.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 523.61 100.10 Td (that ) Tj ET Q q 0 0 0 rg BT 540.89 100.10 Td (FIFC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.80 88.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 90.29 88.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 122.64 88.10 Td (can ) Tj ET Q q 0 0 0 rg BT 138.89 88.10 Td (produce ) Tj ET Q q 0 0 0 rg BT 173.46 88.10 Td (between ) Tj ET Q q 0 0 0 rg BT 209.14 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.72 88.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 249.98 88.10 Td (on ) Tj ET Q q 0 0 0 rg BT 262.34 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.92 88.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 300.40 88.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 341.63 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.43 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.01 88.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 391.49 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.18 88.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 426.77 88.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 465.22 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.37 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.95 88.10 Td (business ) Tj ET Q q 0 0 0 rg BT 526.21 88.10 Td (unit. ) Tj ET Q q 0 0 0 rg BT 546.46 88.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.60 76.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 140.32 76.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 178.83 76.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 210.66 76.10 Td (business ) Tj ET Q q 0 0 0 rg BT 246.96 76.10 Td (is ) Tj ET Q q 0 0 0 rg BT 256.03 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 262.87 76.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 312.49 76.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 347.67 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.51 76.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 390.80 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 403.21 76.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 426.72 76.10 Td (are ) Tj ET Q q 0 0 0 rg BT 441.33 76.10 Td (influenced ) Tj ET Q q 0 0 0 rg BT 485.94 76.10 Td (by ) Tj ET Q q 0 0 0 rg BT 498.34 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.97 76.10 Td (market ) Tj ET Q q 0 0 0 rg BT 543.13 76.10 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 64.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 81.57 64.10 Td (by ) Tj ET Q q 0 0 0 rg BT 94.46 64.10 Td (our ) Tj ET Q q 0 0 0 rg BT 110.67 64.10 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 163.06 64.10 Td (The ) Tj ET Q q 0 0 0 rg BT 181.49 64.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 218.26 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.47 64.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 253.47 64.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 296.89 64.10 Td (by ) Tj ET Q q 0 0 0 rg BT 309.78 64.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 333.78 64.10 Td (are ) Tj ET Q q 0 0 0 rg BT 348.88 64.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 392.30 64.10 Td (by ) Tj ET Q q 0 0 0 rg BT 405.18 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.28 64.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 446.50 64.10 Td (in ) Tj ET Q q 0 0 0 rg BT 457.16 64.10 Td (order ) Tj ET Q q 0 0 0 rg BT 481.15 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.81 64.10 Td (more ) Tj ET Q q 0 0 0 rg BT 515.24 64.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 537.01 64.10 Td (utilize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (their ) Tj ET Q q 0 0 0 rg BT 71.16 52.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 104.00 52.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 140.15 52.10 Td (as ) Tj ET Q q 0 0 0 rg BT 151.31 52.10 Td (these ) Tj ET Q q 0 0 0 rg BT 174.70 52.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 198.65 52.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 238.69 52.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 272.07 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.13 52.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 313.30 52.10 Td (with ) Tj ET Q q 0 0 0 rg BT 333.91 52.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 362.30 52.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 389.02 52.10 Td (than ) Tj ET Q q 0 0 0 rg BT 409.08 52.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 454.11 52.10 Td (investments.W) Tj ET Q q 0 0 0 rg BT 513.02 52.10 Td (e ) Tj ET Q q 0 0 0 rg BT 520.30 52.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 541.47 52.10 Td (these ) Tj ET Q endstream endobj 103 0 obj <> endobj 104 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (51) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.78 742.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 113.67 742.10 Td (through ) Tj ET Q q 0 0 0 rg BT 147.46 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 163.46 742.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 201.42 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.31 742.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 235.09 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.10 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 273.21 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 282.56 742.10 Td (influenced ) Tj ET Q q 0 0 0 rg BT 327.44 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 340.11 742.10 Td (competitors ) Tj ET Q q 0 0 0 rg BT 390.00 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 400.45 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.35 742.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 438.56 742.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 473.46 742.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 507.79 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.24 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 534.25 742.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (area.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 93.60 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.88 709.10 Td (Life ) Tj ET Q q 0 0 0 rg BT 121.94 709.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 164.43 709.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 174.06 709.10 Td (emiums) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (As ) Tj ET Q q 0 0 0 rg BT 64.06 688.10 Td (with ) Tj ET Q q 0 0 0 rg BT 84.78 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.94 688.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 150.08 688.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 189.13 688.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 221.50 688.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 260.83 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.00 688.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 310.60 688.10 Td (driver ) Tj ET Q q 0 0 0 rg BT 337.42 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.69 688.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 399.40 688.10 Td (related ) Tj ET Q q 0 0 0 rg BT 429.55 688.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.27 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.43 688.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 496.14 688.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.42 688.10 Td (life ) Tj ET Q q 0 0 0 rg BT 523.69 688.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 91.91 676.10 Td (is ) Tj ET Q q 0 0 0 rg BT 100.50 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.63 676.10 Td (net ) Tj ET Q q 0 0 0 rg BT 128.76 676.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 160.11 676.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 188.13 676.10 Td (that ) Tj ET Q q 0 0 0 rg BT 205.04 676.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 228.08 676.10 Td (can ) Tj ET Q q 0 0 0 rg BT 243.87 676.10 Td (produce ) Tj ET Q q 0 0 0 rg BT 278.00 676.10 Td (between ) Tj ET Q q 0 0 0 rg BT 313.23 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.36 676.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 353.17 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 365.08 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.22 676.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 402.24 676.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 443.02 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.38 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.51 676.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 491.53 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.78 676.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 525.92 676.10 Td (allocated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.83 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.09 664.10 Td (business ) Tj ET Q q 0 0 0 rg BT 113.03 664.10 Td (unit. ) Tj ET Q q 0 0 0 rg BT 134.14 664.10 Td (Profitability ) Tj ET Q q 0 0 0 rg BT 185.52 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.90 664.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 237.71 664.10 Td (both ) Tj ET Q q 0 0 0 rg BT 258.54 664.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 308.79 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.27 664.10 Td (life ) Tj ET Q q 0 0 0 rg BT 342.65 664.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 384.01 664.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 427.06 664.10 Td (is ) Tj ET Q q 0 0 0 rg BT 436.78 664.10 Td (also ) Tj ET Q q 0 0 0 rg BT 455.94 664.10 Td (meaningfully ) Tj ET Q q 0 0 0 rg BT 512.30 664.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 552.00 664.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (leveraging ) Tj ET Q q 0 0 0 rg BT 94.95 652.10 Td (information ) Tj ET Q q 0 0 0 rg BT 144.91 652.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 192.09 652.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 229.01 652.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 279.53 652.10 Td (operational ) Tj ET Q q 0 0 0 rg BT 327.26 652.10 Td (ef) Tj ET Q q 0 0 0 rg BT 334.85 652.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 369.80 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.99 652.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 430.83 652.10 Td (average ) Tj ET Q q 0 0 0 rg BT 464.66 652.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 484.63 652.10 Td (size, ) Tj ET Q q 0 0 0 rg BT 505.42 652.10 Td (each ) Tj ET Q q 0 0 0 rg BT 526.49 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.57 652.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 78.61 640.10 Td (us ) Tj ET Q q 0 0 0 rg BT 90.00 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.28 640.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 131.66 640.10 Td (our ) Tj ET Q q 0 0 0 rg BT 147.49 640.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 167.20 640.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 199.70 640.10 Td (without ) Tj ET Q q 0 0 0 rg BT 232.75 640.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 277.47 640.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 306.62 640.10 Td (investment.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.15 619.10 Td (ealth Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 598.10 Td (e ) Tj ET Q q 0 0 0 rg BT 64.49 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 65.90 598.10 Td (of) Tj ET Q q 0 0 0 rg BT 74.05 598.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 86.55 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 92.40 598.10 Td (full ) Tj ET Q q 0 0 0 rg BT 107.70 598.10 Td (range ) Tj ET Q q 0 0 0 rg BT 131.32 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.06 598.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 169.12 598.10 Td (management ) Tj ET Q q 0 0 0 rg BT 221.62 598.10 Td (services ) Tj ET Q q 0 0 0 rg BT 255.24 598.10 Td (including ) Tj ET Q q 0 0 0 rg BT 294.42 598.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 313.61 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.46 598.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 374.75 598.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 410.87 598.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 431.72 598.10 Td (management ) Tj ET Q q 0 0 0 rg BT 484.22 598.10 Td (solutions, ) Tj ET Q q 0 0 0 rg BT 524.25 598.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 93.38 586.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 131.48 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.32 586.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 179.38 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.22 586.10 Td (retirement ) Tj ET Q q 0 0 0 rg BT 241.71 586.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 262.33 586.10 Td (services ) Tj ET Q q 0 0 0 rg BT 297.94 586.10 Td (through ) Tj ET Q q 0 0 0 rg BT 332.45 586.10 Td (three ) Tj ET Q q 0 0 0 rg BT 355.83 586.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 391.99 586.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 442.61 586.10 Td (\(WHI, ) Tj ET Q q 0 0 0 rg BT 471.83 586.10 Td (CTC ) Tj ET Q q 0 0 0 rg BT 494.68 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.52 586.10 Td (Great ) Tj ET Q q 0 0 0 rg BT 538.13 586.10 Td (Lakes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Advisors\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.01 553.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 102.13 553.10 Td (drivers ) Tj ET Q q 0 0 0 rg BT 132.37 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 143.16 553.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 193.40 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.19 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.88 553.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 248.00 553.10 Td (management ) Tj ET Q q 0 0 0 rg BT 301.55 553.10 Td (business ) Tj ET Q q 0 0 0 rg BT 337.91 553.10 Td (can ) Tj ET Q q 0 0 0 rg BT 354.25 553.10 Td (be ) Tj ET Q q 0 0 0 rg BT 366.16 553.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 409.72 553.10 Td (with ) Tj ET Q q 0 0 0 rg BT 429.96 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.64 553.10 Td (level ) Tj ET Q q 0 0 0 rg BT 466.54 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.34 553.10 Td (commission ) Tj ET Q q 0 0 0 rg BT 528.14 553.10 Td (received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (related ) Tj ET Q q 0 0 0 rg BT 80.01 541.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.59 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.61 541.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 136.74 541.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 181.19 541.10 Td (by ) Tj ET Q q 0 0 0 rg BT 194.00 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.02 541.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 251.80 541.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 295.15 541.10 Td (for ) Tj ET Q q 0 0 0 rg BT 309.62 541.10 Td (their ) Tj ET Q q 0 0 0 rg BT 330.75 541.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 368.54 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.78 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.81 541.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 433.61 541.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.74 541.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 470.88 541.10 Td (under ) Tj ET Q q 0 0 0 rg BT 496.45 541.10 Td (management ) Tj ET Q q 0 0 0 rg BT 550.34 541.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.20 529.10 Td (investments, ) Tj ET Q q 0 0 0 rg BT 128.23 529.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 149.42 529.10 Td (management ) Tj ET Q q 0 0 0 rg BT 202.27 529.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.46 529.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 238.00 529.10 Td (units ) Tj ET Q q 0 0 0 rg BT 259.20 529.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 289.82 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 296.02 529.10 Td (management ) Tj ET Q q 0 0 0 rg BT 348.86 529.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 362.83 529.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.24 529.10 Td (advisory) Tj ET Q q 0 0 0 rg BT 410.03 529.10 Td (, ) Tj ET Q q 0 0 0 rg BT 414.29 529.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 473.25 529.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.45 529.10 Td (custodial ) Tj ET Q q 0 0 0 rg BT 527.31 529.10 Td (services. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.30 517.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 86.32 517.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 124.04 517.10 Td (are ) Tj ET Q q 0 0 0 rg BT 138.44 517.10 Td (influenced ) Tj ET Q q 0 0 0 rg BT 182.83 517.10 Td (by ) Tj ET Q q 0 0 0 rg BT 195.01 517.10 Td (a ) Tj ET Q q 0 0 0 rg BT 201.64 517.10 Td (rise ) Tj ET Q q 0 0 0 rg BT 218.27 517.10 Td (or ) Tj ET Q q 0 0 0 rg BT 228.78 517.10 Td (fall ) Tj ET Q q 0 0 0 rg BT 244.30 517.10 Td (in ) Tj ET Q q 0 0 0 rg BT 254.26 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.67 517.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 288.07 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.70 517.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 331.88 517.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 365.72 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.35 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.75 517.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 433.94 517.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 468.88 517.10 Td (or ) Tj ET Q q 0 0 0 rg BT 479.39 517.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 516.00 517.10 Td (in ) Tj ET Q q 0 0 0 rg BT 525.96 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.37 517.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.55 505.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.09 505.10 Td (client ) Tj ET Q q 0 0 0 rg BT 100.52 505.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 137.72 505.10 Td (on ) Tj ET Q q 0 0 0 rg BT 149.94 505.10 Td (which ) Tj ET Q q 0 0 0 rg BT 176.59 505.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.14 505.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 210.45 505.10 Td (are ) Tj ET Q q 0 0 0 rg BT 224.87 505.10 Td (based. ) Tj ET Q q 0 0 0 rg BT 252.20 505.10 Td (The ) Tj ET Q q 0 0 0 rg BT 269.96 505.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 324.40 505.10 Td (received ) Tj ET Q q 0 0 0 rg BT 360.48 505.10 Td (by ) Tj ET Q q 0 0 0 rg BT 372.70 505.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.13 505.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 429.32 505.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 447.09 505.10 Td (are ) Tj ET Q q 0 0 0 rg BT 461.52 505.10 Td (not ) Tj ET Q q 0 0 0 rg BT 476.51 505.10 Td (as ) Tj ET Q q 0 0 0 rg BT 487.06 505.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 519.81 505.10 Td (influenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.18 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.57 493.10 Td (directionality ) Tj ET Q q 0 0 0 rg BT 135.07 493.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.58 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.97 493.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 182.37 493.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.99 493.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 228.16 493.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 262.99 493.10 Td (but ) Tj ET Q q 0 0 0 rg BT 278.95 493.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 305.44 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.84 493.10 Td (desire ) Tj ET Q q 0 0 0 rg BT 347.90 493.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.40 493.10 Td (our ) Tj ET Q q 0 0 0 rg BT 375.91 493.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 419.64 493.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.60 493.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 462.09 493.10 Td (in ) Tj ET Q q 0 0 0 rg BT 473.05 493.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 504.55 493.10 Td (based ) Tj ET Q q 0 0 0 rg BT 530.50 493.10 Td (on ) Tj ET Q q 0 0 0 rg BT 543.68 493.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 90.54 481.10 Td (situations ) Tj ET Q q 0 0 0 rg BT 131.11 481.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.78 481.10 Td (outlooks ) Tj ET Q q 0 0 0 rg BT 184.46 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.03 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.48 481.10 Td (market ) Tj ET Q q 0 0 0 rg BT 239.47 481.10 Td (or ) Tj ET Q q 0 0 0 rg BT 250.04 481.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 290.58 481.10 Td (stocks ) Tj ET Q q 0 0 0 rg BT 317.81 481.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.48 481.10 Td (bonds. ) Tj ET Q q 0 0 0 rg BT 363.11 481.10 Td (Profitability ) Tj ET Q q 0 0 0 rg BT 413.67 481.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.68 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.13 481.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 480.34 481.10 Td (business ) Tj ET Q q 0 0 0 rg BT 516.47 481.10 Td (is ) Tj ET Q q 0 0 0 rg BT 525.37 481.10 Td (impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 469.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 117.23 469.10 Td (which ) Tj ET Q q 0 0 0 rg BT 144.17 469.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 181.65 469.10 Td (over ) Tj ET Q q 0 0 0 rg BT 201.91 469.10 Td (time.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 92.50 448.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 142.77 448.10 Td (Reform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.12 427.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 120.78 427.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 138.79 427.10 Td (contains ) Tj ET Q q 0 0 0 rg BT 175.69 427.10 Td (a ) Tj ET Q q 0 0 0 rg BT 183.70 427.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 247.81 427.10 Td (set ) Tj ET Q q 0 0 0 rg BT 262.49 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.39 427.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 319.63 427.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 358.75 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 370.10 427.10 Td (govern ) Tj ET Q q 0 0 0 rg BT 401.44 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.23 427.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 456.33 427.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.34 427.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 515.13 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.03 427.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 97.28 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.54 415.10 Td (other ) Tj ET Q q 0 0 0 rg BT 137.91 415.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 187.38 415.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.98 415.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.02 415.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 250.82 415.10 Td (markets. ) Tj ET Q q 0 0 0 rg BT 287.80 415.10 Td ( ) Tj ET Q q 0 0 0 rg BT 290.62 415.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 308.99 415.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 344.03 415.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 386.84 415.10 Td (have ) Tj ET Q q 0 0 0 rg BT 408.54 415.10 Td (introduced, ) Tj ET Q q 0 0 0 rg BT 456.63 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.89 415.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 511.14 415.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.74 415.10 Td (introduce, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (new ) Tj ET Q q 0 0 0 rg BT 69.92 403.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 120.11 403.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 170.03 403.10 Td (guidance, ) Tj ET Q q 0 0 0 rg BT 211.88 403.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.58 403.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 282.81 403.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 314.40 403.10 Td (related ) Tj ET Q q 0 0 0 rg BT 344.86 403.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.90 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.37 403.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 422.79 403.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 442.99 403.10 Td ( ) Tj ET Q q 0 0 0 rg BT 446.02 403.10 Td (W) Tj ET Q q 0 0 0 rg BT 454.65 403.10 Td (e ) Tj ET Q q 0 0 0 rg BT 462.35 403.10 Td (are ) Tj ET Q q 0 0 0 rg BT 477.82 403.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 507.73 403.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.77 403.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 549.79 403.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (nature, ) Tj ET Q q 0 0 0 rg BT 80.87 391.10 Td (extent, ) Tj ET Q q 0 0 0 rg BT 111.18 391.10 Td (or ) Tj ET Q q 0 0 0 rg BT 122.89 391.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 153.48 391.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.19 391.10 Td (any ) Tj ET Q q 0 0 0 rg BT 183.01 391.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 226.38 391.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 261.97 391.10 Td (to ) Tj ET Q q 0 0 0 rg BT 273.13 391.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 306.50 391.10 Td (or ) Tj ET Q q 0 0 0 rg BT 318.21 391.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 368.53 391.10 Td (including ) Tj ET Q q 0 0 0 rg BT 409.68 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.28 391.10 Td (interpretation, ) Tj ET Q q 0 0 0 rg BT 485.03 391.10 Td (implementation, ) Tj ET Q q 0 0 0 rg BT 553.67 391.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 102.47 379.10 Td (thereof, ) Tj ET Q q 0 0 0 rg BT 135.79 379.10 Td (which ) Tj ET Q q 0 0 0 rg BT 162.72 379.10 Td (may ) Tj ET Q q 0 0 0 rg BT 182.44 379.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 207.15 379.10 Td (in ) Tj ET Q q 0 0 0 rg BT 217.43 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.14 379.10 Td (future.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.32 358.10 Td (exact ) Tj ET Q q 0 0 0 rg BT 92.19 358.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 122.17 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.28 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.27 358.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 187.70 358.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 231.56 358.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 284.88 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 297.65 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 313.75 358.10 Td (business ) Tj ET Q q 0 0 0 rg BT 350.42 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.63 358.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 412.06 358.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 447.60 358.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 470.38 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.37 358.10 Td (final ) Tj ET Q q 0 0 0 rg BT 506.46 358.10 Td (implementing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 96.77 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.54 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.09 346.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 158.75 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.41 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 185.08 346.10 Td (competitors, ) Tj ET Q q 0 0 0 rg BT 237.12 346.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 282.50 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.28 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 322.16 346.10 Td (market ) Tj ET Q q 0 0 0 rg BT 352.26 346.10 Td (participants. ) Tj ET Q q 0 0 0 rg BT 403.74 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 406.07 346.10 Td (However) Tj ET Q q 0 0 0 rg BT 442.32 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 447.16 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.71 346.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 496.25 346.10 Td (mandated ) Tj ET Q q 0 0 0 rg BT 537.46 346.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 346.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 100.74 334.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 120.06 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 130.77 334.10 Td (well ) Tj ET Q q 0 0 0 rg BT 150.37 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.09 334.10 Td (other ) Tj ET Q q 0 0 0 rg BT 184.02 334.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 219.18 334.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 262.66 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.48 334.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 322.96 334.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 360.05 334.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 399.63 334.10 Td (could ) Tj ET Q q 0 0 0 rg BT 424.23 334.10 Td (have ) Tj ET Q q 0 0 0 rg BT 445.49 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 452.31 334.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 496.91 334.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 526.50 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 538.88 334.10 Td (us ) Tj ET Q q 0 0 0 rg BT 550.16 334.10 Td (by) Tj ET Q q 0 0 0 rg BT 559.51 334.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.70 322.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 102.12 322.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 140.82 322.10 Td (us ) Tj ET Q q 0 0 0 rg BT 151.75 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 161.57 322.10 Td (change ) Tj ET Q q 0 0 0 rg BT 191.93 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 207.31 322.10 Td (business ) Tj ET Q q 0 0 0 rg BT 243.24 322.10 Td (practices; ) Tj ET Q q 0 0 0 rg BT 283.60 322.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 322.29 322.10 Td (us ) Tj ET Q q 0 0 0 rg BT 333.23 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 343.05 322.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 364.53 322.10 Td (more ) Tj ET Q q 0 0 0 rg BT 387.12 322.10 Td (stringent ) Tj ET Q q 0 0 0 rg BT 424.16 322.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 455.35 322.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 491.29 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.77 322.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 543.67 322.10 Td (ratio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (requirements; ) Tj ET Q q 0 0 0 rg BT 107.56 310.10 Td (limiting ) Tj ET Q q 0 0 0 rg BT 141.81 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.73 310.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 185.86 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.22 310.10 Td (pursue ) Tj ET Q q 0 0 0 rg BT 225.46 310.10 Td (business ) Tj ET Q q 0 0 0 rg BT 261.94 310.10 Td (opportunities; ) Tj ET Q q 0 0 0 rg BT 320.07 310.10 Td (imposing ) Tj ET Q q 0 0 0 rg BT 359.88 310.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 402.45 310.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 425.03 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.05 310.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 490.72 310.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 537.75 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 550.33 310.10 Td (us; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (limiting ) Tj ET Q q 0 0 0 rg BT 84.46 298.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 103.36 298.10 Td (we ) Tj ET Q q 0 0 0 rg BT 117.81 298.10 Td (can ) Tj ET Q q 0 0 0 rg BT 134.48 298.10 Td (char) Tj ET Q q 0 0 0 rg BT 151.51 298.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 163.74 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 178.20 298.10 Td (services; ) Tj ET Q q 0 0 0 rg BT 215.98 298.10 Td (impacting ) Tj ET Q q 0 0 0 rg BT 258.76 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.77 298.10 Td (value ) Tj ET Q q 0 0 0 rg BT 298.22 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.35 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 325.47 298.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 354.37 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 365.50 298.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 407.17 298.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 448.28 298.10 Td (af) Tj ET Q q 0 0 0 rg BT 455.87 298.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 486.43 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 502.55 298.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 547.57 298.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.72 286.10 Td (earnings) Tj ET Q q 0 0 0 rg BT 103.19 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.58 286.10 Td (capabilities. ) Tj ET Q q 0 0 0 rg BT 158.00 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.15 286.10 Td (W) Tj ET Q q 0 0 0 rg BT 169.79 286.10 Td (e ) Tj ET Q q 0 0 0 rg BT 177.61 286.10 Td (have ) Tj ET Q q 0 0 0 rg BT 199.88 286.10 Td (already ) Tj ET Q q 0 0 0 rg BT 232.69 286.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 284.39 286.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 329.99 286.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 370.02 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 381.19 286.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 430.67 286.10 Td (related ) Tj ET Q q 0 0 0 rg BT 461.26 286.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 484.65 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 502.48 286.10 Td (we ) Tj ET Q q 0 0 0 rg BT 517.53 286.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 547.02 286.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.05 274.10 Td (with ) Tj ET Q q 0 0 0 rg BT 117.80 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.98 274.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 182.39 274.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 198.80 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.20 274.10 Td (its ) Tj ET Q q 0 0 0 rg BT 226.61 274.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 284.13 274.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 330.53 274.10 Td (will ) Tj ET Q q 0 0 0 rg BT 348.05 274.10 Td (require ) Tj ET Q q 0 0 0 rg BT 378.33 274.10 Td (us ) Tj ET Q q 0 0 0 rg BT 389.19 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.93 274.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 424.78 274.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 468.96 274.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 510.91 274.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 88.35 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.14 262.10 Td (resources. ) Tj ET Q q 0 0 0 rg BT 149.76 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 152.87 262.10 Td (W) Tj ET Q q 0 0 0 rg BT 161.51 262.10 Td (e ) Tj ET Q q 0 0 0 rg BT 169.31 262.10 Td (will ) Tj ET Q q 0 0 0 rg BT 188.22 262.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 226.01 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.15 262.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 272.17 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.74 262.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 318.31 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 336.66 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.24 262.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 418.36 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.04 262.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 474.49 262.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 499.78 262.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 547.57 262.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 83.60 250.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 113.32 250.10 Td (out ) Tj ET Q q 0 0 0 rg BT 128.60 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.43 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.15 250.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 204.98 250.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 221.91 250.10 Td (will ) Tj ET Q q 0 0 0 rg BT 239.97 250.10 Td (have ) Tj ET Q q 0 0 0 rg BT 261.35 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 273.85 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 289.68 250.10 Td (or) Tj ET Q q 0 0 0 rg BT 297.83 250.10 Td (ganization.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (Recent ) Tj ET Q q 0 0 0 rg BT 79.70 229.10 Td (Rules ) Tj ET Q q 0 0 0 rg BT 104.42 229.10 Td (Regar) Tj ET Q q 0 0 0 rg BT 128.49 229.10 Td (ding ) Tj ET Q q 0 0 0 rg BT 148.76 229.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 190.70 229.10 Td (Origination ) Tj ET Q q 0 0 0 rg BT 240.43 229.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.93 229.10 Td (Servicing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.01 208.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 94.94 208.10 Td (has ) Tj ET Q q 0 0 0 rg BT 110.74 208.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 149.86 208.10 Td (that ) Tj ET Q q 0 0 0 rg BT 167.32 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.01 208.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 222.24 208.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 257.48 208.10 Td (is ) Tj ET Q q 0 0 0 rg BT 266.62 208.10 Td (an ) Tj ET Q q 0 0 0 rg BT 278.53 208.10 Td (area ) Tj ET Q q 0 0 0 rg BT 297.64 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.44 208.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 357.56 208.10 Td (focus. ) Tj ET Q q 0 0 0 rg BT 384.19 208.10 Td (In ) Tj ET Q q 0 0 0 rg BT 394.99 208.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 419.96 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.64 208.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 461.57 208.10 Td (released ) Tj ET Q q 0 0 0 rg BT 496.79 208.10 Td (final ) Tj ET Q q 0 0 0 rg BT 517.58 208.10 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 92.52 196.10 Td (a ) Tj ET Q q 0 0 0 rg BT 98.93 196.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 120.34 196.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 150.08 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.38 196.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 200.12 196.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 245.97 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 262.38 196.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 301.01 196.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 338.52 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.27 196.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 393.01 196.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 436.65 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.95 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.14 196.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 511.56 196.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 530.47 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 532.01 196.10 Td (Among ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (other ) Tj ET Q q 0 0 0 rg BT 72.60 184.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 101.60 184.10 Td (these ) Tj ET Q q 0 0 0 rg BT 124.20 184.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 170.68 184.10 Td (require ) Tj ET Q q 0 0 0 rg BT 201.05 184.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 240.87 184.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 271.80 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.63 184.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 308.12 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.61 184.10 Td (verify ) Tj ET Q q 0 0 0 rg BT 350.54 184.10 Td (borrowers' ) Tj ET Q q 0 0 0 rg BT 394.94 184.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 426.98 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.81 184.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 457.74 184.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.23 184.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 511.28 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 517.77 184.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 535.92 184.10 Td (harbor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.32 172.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 108.64 172.10 Td (that ) Tj ET Q q 0 0 0 rg BT 126.29 172.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 148.38 172.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 178.25 172.10 Td (criteria. ) Tj ET Q q 0 0 0 rg BT 211.72 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 214.38 172.10 Td (For ) Tj ET Q q 0 0 0 rg BT 230.93 172.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 275.25 172.10 Td (that ) Tj ET Q q 0 0 0 rg BT 292.90 172.10 Td (do ) Tj ET Q q 0 0 0 rg BT 305.56 172.10 Td (not ) Tj ET Q q 0 0 0 rg BT 321.00 172.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 343.09 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.97 172.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 376.73 172.10 Td (harbor's ) Tj ET Q q 0 0 0 rg BT 411.18 172.10 Td (criteria, ) Tj ET Q q 0 0 0 rg BT 444.65 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.53 172.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 510.48 172.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 527.58 172.10 Td (provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.85 160.10 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 103.78 160.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 137.08 160.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.92 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.32 160.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 205.27 160.10 Td (lender ) Tj ET Q q 0 0 0 rg BT 232.44 160.10 Td (as ) Tj ET Q q 0 0 0 rg BT 242.96 160.10 Td (well ) Tj ET Q q 0 0 0 rg BT 262.36 160.10 Td (as ) Tj ET Q q 0 0 0 rg BT 272.88 160.10 Td (assignees. ) Tj ET Q q 0 0 0 rg BT 315.33 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 317.36 160.10 Td (The ) Tj ET Q q 0 0 0 rg BT 335.09 160.10 Td (CFPB) Tj ET Q q 0 0 0 rg BT 362.33 160.10 Td (s ) Tj ET Q q 0 0 0 rg BT 368.41 160.10 Td (new ) Tj ET Q q 0 0 0 rg BT 387.25 160.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 433.87 160.10 Td (also ) Tj ET Q q 0 0 0 rg BT 452.16 160.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 476.56 160.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 534.28 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 544.80 160.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 148.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 83.14 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.37 148.10 Td (brokers, ) Tj ET Q q 0 0 0 rg BT 135.65 148.10 Td (escrow ) Tj ET Q q 0 0 0 rg BT 166.76 148.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 204.53 148.10 Td (for ) Tj ET Q q 0 0 0 rg BT 218.98 148.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 256.20 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.32 148.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 290.65 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.88 148.10 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 351.48 148.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 392.04 148.10 Td (billing ) Tj ET Q q 0 0 0 rg BT 420.94 148.10 Td (statements, ) Tj ET Q q 0 0 0 rg BT 468.44 148.10 Td (force-placed ) Tj ET Q q 0 0 0 rg BT 521.19 148.10 Td (insurance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.06 136.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 106.34 136.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 144.49 136.10 Td (with ) Tj ET Q q 0 0 0 rg BT 164.89 136.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 195.83 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.22 136.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 251.06 136.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 294.22 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.28 136.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 329.46 136.10 Td (mitigation ) Tj ET Q q 0 0 0 rg BT 373.19 136.10 Td (procedures. ) Tj ET Q q 0 0 0 rg BT 422.18 136.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.61 136.10 Td (W) Tj ET Q q 0 0 0 rg BT 433.25 136.10 Td (e ) Tj ET Q q 0 0 0 rg BT 440.31 136.10 Td (have ) Tj ET Q q 0 0 0 rg BT 461.81 136.10 Td (centralized ) Tj ET Q q 0 0 0 rg BT 508.29 136.10 Td (our ) Tj ET Q q 0 0 0 rg BT 524.24 136.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 96.38 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.32 124.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 152.47 124.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 196.62 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.56 124.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 268.26 124.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 316.85 124.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 357.11 124.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.27 124.10 Td (each ) Tj ET Q q 0 0 0 rg BT 392.08 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.91 124.10 Td (these ) Tj ET Q q 0 0 0 rg BT 425.96 124.10 Td (new ) Tj ET Q q 0 0 0 rg BT 445.11 124.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 499.81 124.10 Td (as ) Tj ET Q q 0 0 0 rg BT 510.64 124.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 554.23 124.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.71 112.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 104.48 112.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.86 112.10 Td (For ) Tj ET Q q 0 0 0 rg BT 123.13 112.10 Td (further ) Tj ET Q q 0 0 0 rg BT 152.71 112.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 196.76 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.47 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.06 112.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 243.88 112.10 Td (related ) Tj ET Q q 0 0 0 rg BT 273.46 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 283.61 112.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 323.75 112.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 370.01 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.83 112.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 425.86 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.68 112.10 Td (our ) Tj ET Q q 0 0 0 rg BT 458.39 112.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 506.86 112.10 Td (see ) Tj ET Q q 0 0 0 rg BT 522.00 112.10 Td (Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (- ) Tj ET Q q 0 0 0 rg BT 55.83 100.10 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 106.11 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.05 100.10 Td (Regulation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.33 79.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 97.10 79.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.88 79.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 143.09 79.10 Td (to ) Tj ET Q q 0 0 0 rg BT 153.86 79.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.08 79.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 203.17 79.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 250.61 79.10 Td (governing ) Tj ET Q q 0 0 0 rg BT 294.15 79.10 Td (our ) Tj ET Q q 0 0 0 rg BT 310.48 79.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 351.25 79.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 390.64 79.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 434.73 79.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 487.70 79.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 521.80 79.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 552.57 79.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (important ) Tj ET Q q 0 0 0 rg BT 90.98 67.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 146.95 67.10 Td (in ) Tj ET Q q 0 0 0 rg BT 156.82 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.14 67.10 Td (operation ) Tj ET Q q 0 0 0 rg BT 211.00 67.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.43 67.10 Td (our ) Tj ET Q q 0 0 0 rg BT 236.85 67.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 275.34 67.10 Td ( ) Tj ET Q q 0 0 0 rg BT 277.44 67.10 Td (In ) Tj ET Q q 0 0 0 rg BT 287.87 67.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 312.46 67.10 Td (for ) Tj ET Q q 0 0 0 rg BT 326.22 67.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 364.69 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.00 67.10 Td (lar) Tj ET Q q 0 0 0 rg BT 389.37 67.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 407.58 67.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 447.44 67.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 478.41 67.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.95 67.10 Td (servicers ) Tj ET Q q 0 0 0 rg BT 532.58 67.10 Td (entered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (into ) Tj ET Q q 0 0 0 rg BT 67.57 55.10 Td (settlements ) Tj ET Q q 0 0 0 rg BT 114.58 55.10 Td (with ) Tj ET Q q 0 0 0 rg BT 134.37 55.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 164.14 55.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.60 55.10 Td (state ) Tj ET Q q 0 0 0 rg BT 200.94 55.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 242.94 55.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 283.27 55.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 323.05 55.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 368.95 55.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.40 55.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 424.07 55.10 Td (practices. ) Tj ET Q q 0 0 0 rg BT 464.12 55.10 Td ( ) Tj ET Q q 0 0 0 rg BT 465.99 55.10 Td (While ) Tj ET Q q 0 0 0 rg BT 492.44 55.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.67 55.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 547.57 55.10 Td (and ) Tj ET Q endstream endobj 105 0 obj <> endobj 106 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (52) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.27 742.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 89.66 742.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 132.82 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.94 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 155.98 742.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 183.59 742.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 224.52 742.10 Td (division ) Tj ET Q q 0 0 0 rg BT 258.81 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 269.19 742.10 Td (Barrington ) Tj ET Q q 0 0 0 rg BT 314.57 742.10 Td (Bank\) ) Tj ET Q q 0 0 0 rg BT 341.07 742.10 Td (were ) Tj ET Q q 0 0 0 rg BT 362.55 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 377.39 742.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 406.10 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.93 742.10 Td (these ) Tj ET Q q 0 0 0 rg BT 438.53 742.10 Td (settlements, ) Tj ET Q q 0 0 0 rg BT 488.08 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.57 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 518.84 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 533.67 742.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.38 730.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 112.40 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 125.00 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.81 730.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 169.37 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.18 730.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 209.00 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.92 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.74 730.10 Td (settlements ) Tj ET Q q 0 0 0 rg BT 282.32 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 302.14 730.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 341.94 730.10 Td (regulators' ) Tj ET Q q 0 0 0 rg BT 386.32 730.10 Td (future ) Tj ET Q q 0 0 0 rg BT 412.79 730.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 443.72 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.75 730.10 Td (expectations ) Tj ET Q q 0 0 0 rg BT 513.33 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.25 730.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 81.38 718.10 Td (generally) Tj ET Q q 0 0 0 rg BT 117.93 718.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (There ) Tj ET Q q 0 0 0 rg BT 76.66 697.10 Td (are ) Tj ET Q q 0 0 0 rg BT 92.21 697.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 135.55 697.10 Td (proposals ) Tj ET Q q 0 0 0 rg BT 177.23 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 188.35 697.10 Td (further ) Tj ET Q q 0 0 0 rg BT 218.91 697.10 Td (amend ) Tj ET Q q 0 0 0 rg BT 248.91 697.10 Td (some ) Tj ET Q q 0 0 0 rg BT 273.36 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 285.04 697.10 Td (these ) Tj ET Q q 0 0 0 rg BT 308.93 697.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 342.27 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.06 697.10 Td (their ) Tj ET Q q 0 0 0 rg BT 381.73 697.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 440.62 697.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 490.90 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.69 697.10 Td (there ) Tj ET Q q 0 0 0 rg BT 532.02 697.10 Td (may ) Tj ET Q q 0 0 0 rg BT 552.58 697.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 92.52 685.10 Td (proposals ) Tj ET Q q 0 0 0 rg BT 133.37 685.10 Td (or ) Tj ET Q q 0 0 0 rg BT 144.23 685.10 Td (final ) Tj ET Q q 0 0 0 rg BT 165.08 685.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 218.15 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 228.45 685.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 250.98 685.10 Td (or ) Tj ET Q q 0 0 0 rg BT 261.83 685.10 Td (beyond. ) Tj ET Q q 0 0 0 rg BT 296.30 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 298.82 685.10 Td (For ) Tj ET Q q 0 0 0 rg BT 315.24 685.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 354.14 685.10 Td (proposals ) Tj ET Q q 0 0 0 rg BT 394.99 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.30 685.10 Td (reform ) Tj ET Q q 0 0 0 rg BT 435.03 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.77 685.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 493.95 685.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 534.24 685.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (may ) Tj ET Q q 0 0 0 rg BT 70.22 673.10 Td (include ) Tj ET Q q 0 0 0 rg BT 102.66 673.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 137.87 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.65 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.87 673.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 208.53 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.87 673.10 Td (Fannie ) Tj ET Q q 0 0 0 rg BT 250.09 673.10 Td (Mae ) Tj ET Q q 0 0 0 rg BT 270.86 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 288.31 673.10 Td (Freddie ) Tj ET Q q 0 0 0 rg BT 321.86 673.10 Td (Mac ) Tj ET Q q 0 0 0 rg BT 342.63 673.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 386.74 673.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 424.73 673.10 Td (winding ) Tj ET Q q 0 0 0 rg BT 460.52 673.10 Td (down ) Tj ET Q q 0 0 0 rg BT 485.74 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 497.08 673.10 Td (operations\), ) Tj ET Q q 0 0 0 rg BT 547.57 673.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 90.26 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.09 661.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 141.36 661.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 161.07 661.10 Td (products ) Tj ET Q q 0 0 0 rg BT 198.01 661.10 Td (available ) Tj ET Q q 0 0 0 rg BT 236.60 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 246.88 661.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 279.37 661.10 Td (Housing ) Tj ET Q q 0 0 0 rg BT 315.21 661.10 Td (Administration ) Tj ET Q q 0 0 0 rg BT 378.26 661.10 Td (programs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (Developments ) Tj ET Q q 0 0 0 rg BT 109.15 640.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 142.19 640.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.47 640.10 Td (Capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.24 619.10 Td (July ) Tj ET Q q 0 0 0 rg BT 80.82 619.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 106.22 619.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.35 619.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 142.04 619.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 172.70 619.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 207.82 619.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 245.16 619.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 285.27 619.10 Td (sweeping ) Tj ET Q q 0 0 0 rg BT 325.95 619.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 369.95 619.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 399.51 619.10 Td (reforms ) Tj ET Q q 0 0 0 rg BT 433.51 619.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.86 619.10 Td (promulgated ) Tj ET Q q 0 0 0 rg BT 504.31 619.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 526.66 619.10 Td (ef) Tj ET Q q 0 0 0 rg BT 534.24 619.10 Td (fecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 85.24 607.10 Td (required ) Tj ET Q q 0 0 0 rg BT 121.58 607.10 Td (by ) Tj ET Q q 0 0 0 rg BT 134.61 607.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.86 607.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 201.10 607.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 218.57 607.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.04 607.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 294.61 607.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.86 607.10 Td (international ) Tj ET Q q 0 0 0 rg BT 363.43 607.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 393.11 607.10 Td (accord ) Tj ET Q q 0 0 0 rg BT 422.78 607.10 Td (known ) Tj ET Q q 0 0 0 rg BT 453.04 607.10 Td (as ) Tj ET Q q 0 0 0 rg BT 464.40 607.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 489.64 607.10 Td (III. ) Tj ET Q q 0 0 0 rg BT 505.16 607.10 Td ( ) Tj ET Q q 0 0 0 rg BT 508.19 607.10 Td (In ) Tj ET Q q 0 0 0 rg BT 519.55 607.10 Td (contrast ) Tj ET Q q 0 0 0 rg BT 554.24 607.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.15 595.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 133.86 595.10 Td (historically) Tj ET Q q 0 0 0 rg BT 178.20 595.10 Td (, ) Tj ET Q q 0 0 0 rg BT 183.20 595.10 Td (which ) Tj ET Q q 0 0 0 rg BT 210.14 595.10 Td (were ) Tj ET Q q 0 0 0 rg BT 232.07 595.10 Td (in ) Tj ET Q q 0 0 0 rg BT 242.35 595.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.07 595.10 Td (form ) Tj ET Q q 0 0 0 rg BT 279.01 595.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.85 595.10 Td (guidelines, ) Tj ET Q q 0 0 0 rg BT 335.95 595.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 360.67 595.10 Td (III ) Tj ET Q q 0 0 0 rg BT 373.16 595.10 Td (was ) Tj ET Q q 0 0 0 rg BT 391.22 595.10 Td (released ) Tj ET Q q 0 0 0 rg BT 426.47 595.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.76 595.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.47 595.10 Td (form ) Tj ET Q q 0 0 0 rg BT 473.42 595.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.25 595.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 531.18 595.10 Td (by ) Tj ET Q q 0 0 0 rg BT 543.69 595.10 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.64 583.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.17 583.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 102.24 583.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 144.65 583.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 182.89 583.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 206.42 583.10 Td (III ) Tj ET Q q 0 0 0 rg BT 217.72 583.10 Td (is ) Tj ET Q q 0 0 0 rg BT 225.70 583.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 268.11 583.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.20 583.10 Td (all ) Tj ET Q q 0 0 0 rg BT 288.51 583.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 324.80 583.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 370.57 583.10 Td (that ) Tj ET Q q 0 0 0 rg BT 386.88 583.10 Td (are ) Tj ET Q q 0 0 0 rg BT 400.40 583.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 430.03 583.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.13 583.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 479.33 583.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 507.29 583.10 Td (requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.42 571.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 120.82 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.91 571.10 Td (state ) Tj ET Q q 0 0 0 rg BT 158.88 571.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 184.86 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.95 571.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 234.60 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.68 571.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 271.55 571.10 Td (associations, ) Tj ET Q q 0 0 0 rg BT 325.02 571.10 Td (as ) Tj ET Q q 0 0 0 rg BT 336.00 571.10 Td (well ) Tj ET Q q 0 0 0 rg BT 355.86 571.10 Td (as ) Tj ET Q q 0 0 0 rg BT 366.84 571.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.27 571.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 399.35 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.44 571.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 449.09 571.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.17 571.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 486.04 571.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 519.24 571.10 Td (companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.05 559.10 Td (than ) Tj ET Q q 0 0 0 rg BT 92.76 559.10 Td (small ) Tj ET Q q 0 0 0 rg BT 121.37 559.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 143.31 559.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 176.36 559.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 226.06 559.10 Td (\(generally ) Tj ET Q q 0 0 0 rg BT 269.10 559.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 291.04 559.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 324.09 559.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 369.36 559.10 Td (with ) Tj ET Q q 0 0 0 rg BT 389.63 559.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 442.68 559.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 468.51 559.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.34 559.10 Td (less ) Tj ET Q q 0 0 0 rg BT 496.84 559.10 Td (than ) Tj ET Q q 0 0 0 rg BT 516.55 559.10 Td ($1 ) Tj ET Q q 0 0 0 rg BT 529.05 559.10 Td (billion\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 74.94 538.10 Td (III ) Tj ET Q q 0 0 0 rg BT 87.65 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 103.16 538.10 Td (only ) Tj ET Q q 0 0 0 rg BT 123.66 538.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 164.14 538.10 Td (most ) Tj ET Q q 0 0 0 rg BT 186.31 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.36 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.30 538.10 Td (required ) Tj ET Q q 0 0 0 rg BT 248.34 538.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 289.96 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 319.33 538.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 344.27 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 355.32 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.38 538.10 Td (January ) Tj ET Q q 0 0 0 rg BT 400.20 538.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 410.42 538.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 435.65 538.10 Td (but ) Tj ET Q q 0 0 0 rg BT 451.15 538.10 Td (it ) Tj ET Q q 0 0 0 rg BT 459.43 538.10 Td (introduced ) Tj ET Q q 0 0 0 rg BT 504.92 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.86 538.10 Td (concept ) Tj ET Q q 0 0 0 rg BT 553.67 538.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 94.75 526.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 124.28 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 130.03 526.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 143.67 526.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 151.75 526.10 Td (Capital, ) Tj ET Q q 0 0 0 rg BT 190.66 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 218.18 526.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 252.93 526.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 293.23 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.65 526.10 Td (common ) Tj ET Q q 0 0 0 rg BT 342.73 526.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 369.42 526.10 Td (related ) Tj ET Q q 0 0 0 rg BT 399.71 526.10 Td (surplus ) Tj ET Q q 0 0 0 rg BT 431.68 526.10 Td (\(net ) Tj ET Q q 0 0 0 rg BT 450.31 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.51 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 467.26 526.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 499.78 526.10 Td (stock\), ) Tj ET Q q 0 0 0 rg BT 529.80 526.10 Td (retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 88.61 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.28 514.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 144.73 514.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 173.47 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 179.22 514.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 192.00 514.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 199.23 514.10 Td (minority ) Tj ET Q q 0 0 0 rg BT 235.91 514.10 Td (interests, ) Tj ET Q q 0 0 0 rg BT 273.96 514.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 304.52 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.53 514.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 343.96 514.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 387.28 514.10 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 439.79 514.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 464.23 514.10 Td (III ) Tj ET Q q 0 0 0 rg BT 476.45 514.10 Td (also ) Tj ET Q q 0 0 0 rg BT 494.79 514.10 Td (established ) Tj ET Q q 0 0 0 rg BT 541.46 514.10 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (stringent ) Tj ET Q q 0 0 0 rg BT 87.46 502.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 118.25 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 132.38 502.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 181.51 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.76 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 203.67 502.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 249.45 502.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 298.95 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 304.71 502.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 317.73 502.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 325.20 502.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 360.99 502.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 370.07 502.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 383.09 502.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 390.56 502.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 419.68 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 429.93 502.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 465.17 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 475.42 502.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 515.12 502.10 Td (Equity\) ) Tj ET Q q 0 0 0 rg BT 547.58 502.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 490.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 70.00 490.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 78.70 490.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 111.55 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 114.43 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 121.10 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 124.80 490.10 Td (number ) Tj ET Q q 0 0 0 rg BT 159.04 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.07 490.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 221.43 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 240.12 490.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 279.36 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 291.12 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 296.88 490.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 311.13 490.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 319.82 490.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 350.17 490.10 Td (will ) Tj ET Q q 0 0 0 rg BT 369.43 490.10 Td (not ) Tj ET Q q 0 0 0 rg BT 385.90 490.10 Td (qualify) Tj ET Q q 0 0 0 rg BT 413.58 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 419.78 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 431.80 490.10 Td (their ) Tj ET Q q 0 0 0 rg BT 453.83 490.10 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 511.95 490.10 Td (will ) Tj ET Q q 0 0 0 rg BT 531.21 490.10 Td (change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Forexample, ) Tj ET Q q 0 0 0 rg BT 104.76 478.10 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 151.19 478.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 189.82 478.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 212.92 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.36 478.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 258.56 478.10 Td (hybrid ) Tj ET Q q 0 0 0 rg BT 286.67 478.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 315.31 478.10 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 366.47 478.10 Td (including ) Tj ET Q q 0 0 0 rg BT 406.25 478.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 426.02 478.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 464.65 478.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 506.91 478.10 Td (will ) Tj ET Q q 0 0 0 rg BT 524.47 478.10 Td (no ) Tj ET Q q 0 0 0 rg BT 536.46 478.10 Td (longer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 80.62 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 91.08 466.10 Td (T) Tj ET Q q 0 0 0 rg BT 96.84 466.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 109.68 466.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 116.98 466.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 145.93 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.55 466.10 Td (any ) Tj ET Q q 0 0 0 rg BT 173.29 466.10 Td (kind, ) Tj ET Q q 0 0 0 rg BT 195.86 466.10 Td (with ) Tj ET Q q 0 0 0 rg BT 215.94 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.45 466.10 Td (exception, ) Tj ET Q q 0 0 0 rg BT 274.12 466.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 304.74 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.81 466.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 344.31 466.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 393.54 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.17 466.10 Td (such ) Tj ET Q q 0 0 0 rg BT 424.80 466.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 473.76 466.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 501.05 466.10 Td (before ) Tj ET Q q 0 0 0 rg BT 528.89 466.10 Td (May ) Tj ET Q q 0 0 0 rg BT 549.51 466.10 Td (10, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (2010, ) Tj ET Q q 0 0 0 rg BT 75.90 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 89.29 454.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 112.13 454.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 146.08 454.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 192.24 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 213.41 454.10 Td (total ) Tj ET Q q 0 0 0 rg BT 234.58 454.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 288.52 454.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 315.25 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.97 454.10 Td (less ) Tj ET Q q 0 0 0 rg BT 345.37 454.10 Td (than ) Tj ET Q q 0 0 0 rg BT 365.98 454.10 Td ($15 ) Tj ET Q q 0 0 0 rg BT 384.38 454.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 413.89 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 425.61 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.34 454.10 Td (December ) Tj ET Q q 0 0 0 rg BT 481.82 454.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 497.71 454.10 Td (2009. ) Tj ET Q q 0 0 0 rg BT 523.61 454.10 Td (For ) Tj ET Q q 0 0 0 rg BT 540.90 454.10 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 98.66 442.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 118.15 442.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 156.50 442.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 195.98 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 212.13 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 234.38 442.10 Td (nonqualifying ) Tj ET Q q 0 0 0 rg BT 292.20 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 320.56 442.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 368.94 442.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 412.87 442.10 Td (included ) Tj ET Q q 0 0 0 rg BT 449.01 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 458.50 442.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 510.63 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 516.39 442.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 528.65 442.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 535.36 442.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.82 430.10 Td (permanently ) Tj ET Q q 0 0 0 rg BT 124.18 430.10 Td (grandfathered ) Tj ET Q q 0 0 0 rg BT 182.09 430.10 Td (under ) Tj ET Q q 0 0 0 rg BT 207.25 430.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 231.86 430.10 Td (III, ) Tj ET Q q 0 0 0 rg BT 246.73 430.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 277.45 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.61 430.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 317.20 430.10 Td (restrictions. ) Tj ET Q q 0 0 0 rg BT 366.52 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.91 430.10 Td (Noncumulative ) Tj ET Q q 0 0 0 rg BT 432.95 430.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 472.54 430.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 511.56 430.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 537.56 430.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (formerly ) Tj ET Q q 0 0 0 rg BT 86.95 418.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 124.46 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 134.76 418.10 Td (simple ) Tj ET Q q 0 0 0 rg BT 163.25 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 169.01 418.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 181.52 418.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 188.49 418.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 219.61 418.10 Td (will ) Tj ET Q q 0 0 0 rg BT 237.13 418.10 Td (not ) Tj ET Q q 0 0 0 rg BT 251.88 418.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 282.17 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 292.47 418.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 331.66 418.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 360.16 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 365.91 418.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 378.43 418.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 385.39 418.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 416.51 418.10 Td (but ) Tj ET Q q 0 0 0 rg BT 431.26 418.10 Td (will ) Tj ET Q q 0 0 0 rg BT 448.78 418.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 479.08 418.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 509.37 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 519.23 418.10 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 406.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 68.81 406.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 76.31 406.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 107.96 406.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 132.68 406.10 Td (III ) Tj ET Q q 0 0 0 rg BT 145.17 406.10 Td (also ) Tj ET Q q 0 0 0 rg BT 163.78 406.10 Td (constrained ) Tj ET Q q 0 0 0 rg BT 212.37 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.09 406.10 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 266.26 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.09 406.10 Td (minority ) Tj ET Q q 0 0 0 rg BT 314.03 406.10 Td (interests, ) Tj ET Q q 0 0 0 rg BT 352.36 406.10 Td (mortgage-servicing ) Tj ET Q q 0 0 0 rg BT 432.61 406.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 460.94 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.88 406.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 513.69 406.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 528.41 406.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 554.24 406.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.05 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 95.89 394.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 130.50 394.10 Td (deductions ) Tj ET Q q 0 0 0 rg BT 176.22 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 198.06 394.10 Td (CommonEquity ) Tj ET Q q 0 0 0 rg BT 266.68 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 272.43 394.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 285.38 394.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 292.78 394.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 321.83 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 332.01 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.63 394.10 Td (event ) Tj ET Q q 0 0 0 rg BT 370.68 394.10 Td (that ) Tj ET Q q 0 0 0 rg BT 388.08 394.10 Td (such ) Tj ET Q q 0 0 0 rg BT 408.81 394.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 434.54 394.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 464.69 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 471.53 394.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 501.13 394.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 546.83 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 557.56 394.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.72 382.10 Td (institution) Tj ET Q q 0 0 0 rg BT 128.06 382.10 Td (s ) Tj ET Q q 0 0 0 rg BT 134.45 382.10 Td (CommonEquity ) Tj ET Q q 0 0 0 rg BT 203.16 382.10 Td (T) Tj ET Q q 0 0 0 rg BT 208.92 382.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 221.96 382.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 229.46 382.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 261.11 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.61 361.10 Td (of ) Tj ET Q q 0 0 0 rg BT 74.44 361.10 Td (January ) Tj ET Q q 0 0 0 rg BT 108.04 361.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 118.04 361.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 143.04 361.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 167.76 361.10 Td (III ) Tj ET Q q 0 0 0 rg BT 180.25 361.10 Td (required: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 340.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 340.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 340.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.17 340.10 Td (new ) Tj ET Q q 0 0 0 rg BT 114.33 340.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 155.72 340.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 176.55 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.38 340.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 227.10 340.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 256.09 340.10 Td (T) Tj ET Q q 0 0 0 rg BT 261.84 340.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 274.89 340.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 282.39 340.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 311.54 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.82 340.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 379.31 340.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 405.14 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.97 340.10 Td (4.5%;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 319.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 319.10 Td (An ) Tj ET Q q 0 0 0 rg BT 100.72 319.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 135.98 319.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.25 319.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.97 319.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 202.36 319.10 Td (required ) Tj ET Q q 0 0 0 rg BT 238.18 319.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 270.67 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.95 319.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 326.04 319.10 Td (T) Tj ET Q q 0 0 0 rg BT 331.80 319.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 344.85 319.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 352.35 319.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 381.50 319.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.78 319.10 Td (6% ) Tj ET Q q 0 0 0 rg BT 407.61 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.44 319.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 475.92 319.10 Td (assets; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 298.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 298.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 96.02 298.10 Td (continuation ) Tj ET Q q 0 0 0 rg BT 149.35 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.03 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.59 298.10 Td (current ) Tj ET Q q 0 0 0 rg BT 208.25 298.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 250.49 298.10 Td (required ) Tj ET Q q 0 0 0 rg BT 287.15 298.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 320.49 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.93 298.10 Td (T) Tj ET Q q 0 0 0 rg BT 337.34 298.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 355.68 298.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 385.68 298.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 394.76 298.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 408.66 298.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 417.00 298.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 436.78 298.10 Td (T) Tj ET Q q 0 0 0 rg BT 442.53 298.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 456.43 298.10 Td (2\) ) Tj ET Q q 0 0 0 rg BT 468.10 298.10 Td (at ) Tj ET Q q 0 0 0 rg BT 478.67 298.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 495.34 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.02 298.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 564.50 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 567.00 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 569.50 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 572.00 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 574.50 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 577.00 298.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 286.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 114.61 286.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 265.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 265.10 Td (A) Tj ET Q q 0 0 0 rg BT 92.67 265.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.17 265.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 136.56 265.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 172.92 265.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 193.75 265.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.40 265.10 Td (T) Tj ET Q q 0 0 0 rg BT 210.16 265.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 223.20 265.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 230.70 265.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 259.85 265.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.13 265.10 Td (total ) Tj ET Q q 0 0 0 rg BT 290.40 265.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 316.23 265.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 340.39 265.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.67 265.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 366.50 265.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.78 265.10 Td (all ) Tj ET Q q 0 0 0 rg BT 389.27 265.10 Td (circumstances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 75.29 244.10 Td (III ) Tj ET Q q 0 0 0 rg BT 88.35 244.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 135.85 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.14 244.10 Td (general ) Tj ET Q q 0 0 0 rg BT 183.63 244.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 221.69 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.09 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.38 244.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 280.34 244.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 323.38 244.10 Td (action ) Tj ET Q q 0 0 0 rg BT 350.88 244.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 397.82 244.10 Td (\(a ) Tj ET Q q 0 0 0 rg BT 408.66 244.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 455.60 244.10 Td (that ) Tj ET Q q 0 0 0 rg BT 473.67 244.10 Td (denominates ) Tj ET Q q 0 0 0 rg BT 527.28 244.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 553.68 244.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (decreasing ) Tj ET Q q 0 0 0 rg BT 94.99 232.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 123.88 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.56 232.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 175.01 232.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 234.46 232.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 277.79 232.10 Td (actions\), ) Tj ET Q q 0 0 0 rg BT 314.19 232.10 Td (while ) Tj ET Q q 0 0 0 rg BT 338.64 232.10 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 394.76 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.21 232.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 449.21 232.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 503.65 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.33 232.10 Td (adding ) Tj ET Q q 0 0 0 rg BT 549.79 232.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 89.05 220.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 117.41 220.10 Td (T) Tj ET Q q 0 0 0 rg BT 123.17 220.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 135.54 220.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 142.37 220.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 170.84 220.10 Td (ratio. ) Tj ET Q q 0 0 0 rg BT 193.50 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.32 220.10 Td (In ) Tj ET Q q 0 0 0 rg BT 205.48 220.10 Td (order ) Tj ET Q q 0 0 0 rg BT 228.40 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.01 220.10 Td (be ) Tj ET Q q 0 0 0 rg BT 249.27 220.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 323.83 220.10 Td (under ) Tj ET Q q 0 0 0 rg BT 348.42 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.47 220.10 Td (new ) Tj ET Q q 0 0 0 rg BT 380.95 220.10 Td (regime, ) Tj ET Q q 0 0 0 rg BT 413.04 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 419.31 220.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 463.35 220.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 505.74 220.10 Td (must ) Tj ET Q q 0 0 0 rg BT 527.01 220.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.16 208.10 Td (CommonEquity ) Tj ET Q q 0 0 0 rg BT 126.08 208.10 Td (T) Tj ET Q q 0 0 0 rg BT 131.83 208.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 145.10 208.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 152.82 208.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 182.19 208.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 203.24 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.29 208.10 Td (6.5% ) Tj ET Q q 0 0 0 rg BT 237.84 208.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.89 208.10 Td (more; ) Tj ET Q q 0 0 0 rg BT 274.94 208.10 Td (an ) Tj ET Q q 0 0 0 rg BT 286.50 208.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 331.80 208.10 Td (T) Tj ET Q q 0 0 0 rg BT 337.55 208.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 350.82 208.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 358.54 208.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 387.91 208.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 408.96 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.01 208.10 Td (8% ) Tj ET Q q 0 0 0 rg BT 436.06 208.10 Td (or ) Tj ET Q q 0 0 0 rg BT 447.11 208.10 Td (more; ) Tj ET Q q 0 0 0 rg BT 473.16 208.10 Td (a ) Tj ET Q q 0 0 0 rg BT 480.12 208.10 Td (T) Tj ET Q q 0 0 0 rg BT 485.53 208.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 503.25 208.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 532.62 208.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 553.67 208.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 70.83 196.10 Td (or ) Tj ET Q q 0 0 0 rg BT 81.66 196.10 Td (more; ) Tj ET Q q 0 0 0 rg BT 107.49 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.42 196.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.36 196.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 167.72 196.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 188.55 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.38 196.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 215.21 196.10 Td (or ) Tj ET Q q 0 0 0 rg BT 226.04 196.10 Td (more.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.50 175.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 97.94 175.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 144.57 175.10 Td (that ) Tj ET Q q 0 0 0 rg BT 161.73 175.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 181.67 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.06 175.10 Td (freedom ) Tj ET Q q 0 0 0 rg BT 231.55 175.10 Td (to ) Tj ET Q q 0 0 0 rg BT 241.49 175.10 Td (make ) Tj ET Q q 0 0 0 rg BT 265.32 175.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 294.14 175.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 346.32 175.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 389.59 175.10 Td (for ) Tj ET Q q 0 0 0 rg BT 403.42 175.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 444.48 175.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.09 175.10 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 510.45 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.95 175.10 Td (stock\) ) Tj ET Q q 0 0 0 rg BT 547.56 175.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 67.10 163.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 121.96 163.10 Td (bonuses ) Tj ET Q q 0 0 0 rg BT 156.85 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.29 163.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 208.26 163.10 Td (of) Tj ET Q q 0 0 0 rg BT 216.41 163.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 241.27 163.10 Td (without ) Tj ET Q q 0 0 0 rg BT 274.49 163.10 Td (restriction ) Tj ET Q q 0 0 0 rg BT 317.70 163.10 Td (must ) Tj ET Q q 0 0 0 rg BT 339.80 163.10 Td (also ) Tj ET Q q 0 0 0 rg BT 358.57 163.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 396.23 163.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 419.72 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.71 163.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 488.35 163.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 514.35 163.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.79 163.10 Td (Common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 78.98 151.10 Td (T) Tj ET Q q 0 0 0 rg BT 84.74 151.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 97.79 151.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 105.29 151.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 153.33 151.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.60 151.10 Td (a ) Tj ET Q q 0 0 0 rg BT 170.54 151.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 199.69 151.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 253.29 151.10 Td (buf) Tj ET Q q 0 0 0 rg BT 266.44 151.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 280.03 151.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.31 151.10 Td (be ) Tj ET Q q 0 0 0 rg BT 302.25 151.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 332.52 151.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.80 151.10 Td (over ) Tj ET Q q 0 0 0 rg BT 363.07 151.10 Td (three ) Tj ET Q q 0 0 0 rg BT 385.55 151.10 Td (years ) Tj ET Q q 0 0 0 rg BT 409.15 151.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 451.65 151.10 Td (in ) Tj ET Q q 0 0 0 rg BT 461.92 151.10 Td (2016. ) Tj ET Q q 0 0 0 rg BT 486.74 151.10 Td (The ) Tj ET Q q 0 0 0 rg BT 504.79 151.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 538.95 151.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 151.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 104.33 139.10 Td (buf) Tj ET Q q 0 0 0 rg BT 117.48 139.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 131.81 139.10 Td (is ) Tj ET Q q 0 0 0 rg BT 141.72 139.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.74 139.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 182.07 139.10 Td (that ) Tj ET Q q 0 0 0 rg BT 200.30 139.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.75 139.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 283.44 139.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 321.67 139.10 Td (a ) Tj ET Q q 0 0 0 rg BT 329.35 139.10 Td (buf) Tj ET Q q 0 0 0 rg BT 342.50 139.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 356.83 139.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.40 139.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 398.28 139.10 Td (that ) Tj ET Q q 0 0 0 rg BT 416.51 139.10 Td (can ) Tj ET Q q 0 0 0 rg BT 433.63 139.10 Td (be ) Tj ET Q q 0 0 0 rg BT 446.30 139.10 Td (used ) Tj ET Q q 0 0 0 rg BT 467.87 139.10 Td (to ) Tj ET Q q 0 0 0 rg BT 478.88 139.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 508.78 139.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 535.91 139.10 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 80.97 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.82 127.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 127.33 127.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.30 127.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 183.70 127.10 Td (stress. ) Tj ET Q q 0 0 0 rg BT 209.95 127.10 Td (Factoring ) Tj ET Q q 0 0 0 rg BT 249.80 127.10 Td (in ) Tj ET Q q 0 0 0 rg BT 259.10 127.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.85 127.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 293.26 127.10 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 333.67 127.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 386.29 127.10 Td (buf) Tj ET Q q 0 0 0 rg BT 399.44 127.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 412.06 127.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 450.24 127.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.98 127.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 504.40 127.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 528.14 127.10 Td (depicted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (above ) Tj ET Q q 0 0 0 rg BT 76.59 115.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.08 115.10 Td (7% ) Tj ET Q q 0 0 0 rg BT 103.13 115.10 Td (for ) Tj ET Q q 0 0 0 rg BT 117.50 115.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 157.44 115.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 186.62 115.10 Td (T) Tj ET Q q 0 0 0 rg BT 192.38 115.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 205.64 115.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 215.86 115.10 Td (8.5% ) Tj ET Q q 0 0 0 rg BT 239.40 115.10 Td (for ) Tj ET Q q 0 0 0 rg BT 253.58 115.10 Td (T) Tj ET Q q 0 0 0 rg BT 259.33 115.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 272.59 115.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 280.31 115.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 309.67 115.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.83 115.10 Td (10.5% ) Tj ET Q q 0 0 0 rg BT 355.37 115.10 Td (for ) Tj ET Q q 0 0 0 rg BT 369.74 115.10 Td (total ) Tj ET Q q 0 0 0 rg BT 390.23 115.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 422.09 115.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.61 115.10 Td (The ) Tj ET Q q 0 0 0 rg BT 442.87 115.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 479.45 115.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 500.49 115.10 Td (is ) Tj ET Q q 0 0 0 rg BT 509.87 115.10 Td (not ) Tj ET Q q 0 0 0 rg BT 525.36 115.10 Td (impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.30 103.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.82 103.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 130.22 103.10 Td (buf) Tj ET Q q 0 0 0 rg BT 143.37 103.10 Td (fer) Tj ET Q q 0 0 0 rg BT 154.06 103.10 Td (, ) Tj ET Q q 0 0 0 rg BT 158.87 103.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.61 103.10 Td (a ) Tj ET Q q 0 0 0 rg BT 182.35 103.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 216.87 103.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 259.73 103.10 Td (may ) Tj ET Q q 0 0 0 rg BT 279.25 103.10 Td (be ) Tj ET Q q 0 0 0 rg BT 290.99 103.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 336.61 103.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 402.76 103.10 Td (while ) Tj ET Q q 0 0 0 rg BT 427.28 103.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 470.13 103.10 Td (out ) Tj ET Q q 0 0 0 rg BT 485.21 103.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.84 103.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 544.23 103.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 91.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 93.87 91.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 147.46 91.10 Td (buf) Tj ET Q q 0 0 0 rg BT 160.61 91.10 Td (fer) Tj ET Q q 0 0 0 rg BT 171.16 91.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (Not ) Tj ET Q q 0 0 0 rg BT 67.21 70.10 Td (only ) Tj ET Q q 0 0 0 rg BT 87.19 70.10 Td (did ) Tj ET Q q 0 0 0 rg BT 102.18 70.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 126.60 70.10 Td (III ) Tj ET Q q 0 0 0 rg BT 138.80 70.10 Td (change ) Tj ET Q q 0 0 0 rg BT 169.32 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.75 70.10 Td (components ) Tj ET Q q 0 0 0 rg BT 234.28 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.92 70.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 305.33 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.87 70.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 347.23 70.10 Td (but, ) Tj ET Q q 0 0 0 rg BT 364.71 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 378.58 70.10 Td (nearly ) Tj ET Q q 0 0 0 rg BT 405.77 70.10 Td (every ) Tj ET Q q 0 0 0 rg BT 430.19 70.10 Td (class ) Tj ET Q q 0 0 0 rg BT 451.83 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.37 70.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 499.56 70.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 527.59 70.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 552.02 70.10 Td (III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 85.40 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.03 58.10 Td (more ) Tj ET Q q 0 0 0 rg BT 116.76 58.10 Td (complex, ) Tj ET Q q 0 0 0 rg BT 156.89 58.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 191.73 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.35 58.10 Td (calibrated ) Tj ET Q q 0 0 0 rg BT 251.96 58.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 299.59 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.11 58.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 337.07 58.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 355.26 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.88 58.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 419.94 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.46 58.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 449.65 58.10 Td (weightings. ) Tj ET Q q 0 0 0 rg BT 499.00 58.10 Td (While ) Tj ET Q q 0 0 0 rg BT 526.62 58.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 552.03 58.10 Td (III ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (would ) Tj ET Q q 0 0 0 rg BT 78.56 46.10 Td (have ) Tj ET Q q 0 0 0 rg BT 100.99 46.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 137.87 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.64 46.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 172.20 46.10 Td (weighting ) Tj ET Q q 0 0 0 rg BT 215.76 46.10 Td (for ) Tj ET Q q 0 0 0 rg BT 230.97 46.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 276.18 46.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 317.51 46.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 342.17 46.10 Td (based ) Tj ET Q q 0 0 0 rg BT 368.50 46.10 Td (on ) Tj ET Q q 0 0 0 rg BT 382.06 46.10 Td (loan-to-value ) Tj ET Q q 0 0 0 rg BT 438.93 46.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 464.70 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 482.70 46.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 513.46 46.10 Td (product ) Tj ET Q q 0 0 0 rg BT 547.57 46.10 Td (and ) Tj ET Q endstream endobj 107 0 obj <> endobj 108 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (53) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 103.99 742.10 Td (characteristics, ) Tj ET Q q 0 0 0 rg BT 166.02 742.10 Td (there ) Tj ET Q q 0 0 0 rg BT 188.34 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 206.24 742.10 Td (concern ) Tj ET Q q 0 0 0 rg BT 240.22 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.34 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.89 742.10 Td (United ) Tj ET Q q 0 0 0 rg BT 294.45 742.10 Td (States ) Tj ET Q q 0 0 0 rg BT 320.67 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 338.01 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.56 742.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 391.56 742.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 446.67 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 460.67 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 478.01 742.10 Td (weighting ) Tj ET Q q 0 0 0 rg BT 520.35 742.10 Td (residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 89.98 730.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 132.19 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.85 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.28 730.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 191.05 730.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 208.27 730.10 Td (weightings ) Tj ET Q q 0 0 0 rg BT 254.37 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 268.25 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 297.67 730.10 Td (types ) Tj ET Q q 0 0 0 rg BT 321.00 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.54 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 371.53 730.10 Td (products ) Tj ET Q q 0 0 0 rg BT 408.18 730.10 Td (would ) Tj ET Q q 0 0 0 rg BT 435.40 730.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 470.37 730.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 492.59 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 502.59 730.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 547.58 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 79.34 718.10 Td (their ) Tj ET Q q 0 0 0 rg BT 100.36 718.10 Td (access ) Tj ET Q q 0 0 0 rg BT 128.59 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.06 718.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 179.51 718.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 206.88 718.10 Td (As ) Tj ET Q q 0 0 0 rg BT 220.68 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 227.81 718.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 255.22 718.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 280.13 718.10 Td (III ) Tj ET Q q 0 0 0 rg BT 292.82 718.10 Td (did ) Tj ET Q q 0 0 0 rg BT 308.29 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 323.76 718.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.35 718.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 349.02 718.10 Td (this ) Tj ET Q q 0 0 0 rg BT 366.17 718.10 Td (change, ) Tj ET Q q 0 0 0 rg BT 399.67 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.81 718.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 451.72 718.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 498.86 718.10 Td (will ) Tj ET Q q 0 0 0 rg BT 517.11 718.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 554.24 718.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 74.72 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 81.66 706.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 99.16 706.10 Td (weight ) Tj ET Q q 0 0 0 rg BT 128.87 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.70 706.10 Td (50% ) Tj ET Q q 0 0 0 rg BT 160.53 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 171.36 706.10 Td (100% ) Tj ET Q q 0 0 0 rg BT 197.19 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 207.47 706.10 Td (their ) Tj ET Q q 0 0 0 rg BT 228.30 706.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 266.89 706.10 Td (from ) Tj ET Q q 0 0 0 rg BT 288.83 706.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 332.98 706.10 Td (mortgages. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 105.13 685.10 Td (there ) Tj ET Q q 0 0 0 rg BT 127.76 685.10 Td (was ) Tj ET Q q 0 0 0 rg BT 145.95 685.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 190.81 685.10 Td (concern ) Tj ET Q q 0 0 0 rg BT 225.10 685.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 249.96 685.10 Td (by ) Tj ET Q q 0 0 0 rg BT 262.60 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.46 685.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 315.08 685.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 350.50 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 360.92 685.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 407.44 685.10 Td (with ) Tj ET Q q 0 0 0 rg BT 427.86 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.72 685.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 467.58 685.10 Td (III ) Tj ET Q q 0 0 0 rg BT 480.21 685.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 528.40 685.10 Td (as ) Tj ET Q q 0 0 0 rg BT 539.37 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 685.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 90.01 673.10 Td (treatment ) Tj ET Q q 0 0 0 rg BT 131.12 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.80 673.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 196.67 673.10 Td (other ) Tj ET Q q 0 0 0 rg BT 220.57 673.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 284.45 673.10 Td (income ) Tj ET Q q 0 0 0 rg BT 317.24 673.10 Td (\(AOCI\). ) Tj ET Q q 0 0 0 rg BT 363.07 673.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 388.63 673.10 Td (III ) Tj ET Q q 0 0 0 rg BT 401.97 673.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 437.53 673.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 482.52 673.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 506.98 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.77 673.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.01 673.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 100.88 661.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 122.77 661.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 163.54 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.34 661.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 195.68 661.10 Td (through ) Tj ET Q q 0 0 0 rg BT 229.80 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.59 661.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 284.70 661.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 314.36 661.10 Td (as ) Tj ET Q q 0 0 0 rg BT 325.70 661.10 Td (opposed ) Tj ET Q q 0 0 0 rg BT 362.05 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.84 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.07 661.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 425.52 661.10 Td (treatment, ) Tj ET Q q 0 0 0 rg BT 468.79 661.10 Td (which ) Tj ET Q q 0 0 0 rg BT 496.24 661.10 Td (neutralized ) Tj ET Q q 0 0 0 rg BT 543.67 661.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 649.10 Td (fects. ) Tj ET Q q 0 0 0 rg BT 82.15 649.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.33 649.10 Td (Recognizing ) Tj ET Q q 0 0 0 rg BT 139.06 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.46 649.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 190.97 649.10 Td (for ) Tj ET Q q 0 0 0 rg BT 205.82 649.10 Td (community ) Tj ET Q q 0 0 0 rg BT 254.56 649.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 283.57 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.97 649.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 319.94 649.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 342.56 649.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 386.84 649.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 424.45 649.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 459.29 649.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 484.69 649.10 Td (III ) Tj ET Q q 0 0 0 rg BT 497.87 649.10 Td (with ) Tj ET Q q 0 0 0 rg BT 518.83 649.10 Td (a ) Tj ET Q q 0 0 0 rg BT 526.46 649.10 Td (one-time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (election ) Tj ET Q q 0 0 0 rg BT 84.76 637.10 Td (for ) Tj ET Q q 0 0 0 rg BT 99.53 637.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 132.08 637.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 179.64 637.10 Td (like ) Tj ET Q q 0 0 0 rg BT 197.74 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.07 637.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 255.07 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.62 637.10 Td (our ) Tj ET Q q 0 0 0 rg BT 289.06 637.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 333.28 637.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 359.72 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 370.61 637.10 Td (opt ) Tj ET Q q 0 0 0 rg BT 386.49 637.10 Td (out ) Tj ET Q q 0 0 0 rg BT 402.38 637.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.82 637.10 Td (including ) Tj ET Q q 0 0 0 rg BT 454.71 637.10 Td (most ) Tj ET Q q 0 0 0 rg BT 477.27 637.10 Td (elements ) Tj ET Q q 0 0 0 rg BT 515.92 637.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.67 637.10 Td (AOCI ) Tj ET Q q 0 0 0 rg BT 554.23 637.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.82 625.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 125.70 625.10 Td ( ) Tj ET Q q 0 0 0 rg BT 128.23 625.10 Td (This ) Tj ET Q q 0 0 0 rg BT 148.73 625.10 Td (opt-out, ) Tj ET Q q 0 0 0 rg BT 182.85 625.10 Td (which ) Tj ET Q q 0 0 0 rg BT 210.01 625.10 Td (was ) Tj ET Q q 0 0 0 rg BT 228.29 625.10 Td (made ) Tj ET Q q 0 0 0 rg BT 252.67 625.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.18 625.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 313.12 625.10 Td (with ) Tj ET Q q 0 0 0 rg BT 333.62 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.57 625.10 Td (filing ) Tj ET Q q 0 0 0 rg BT 372.96 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.02 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.96 625.10 Td (bank's ) Tj ET Q q 0 0 0 rg BT 426.82 625.10 Td (call ) Tj ET Q q 0 0 0 rg BT 443.98 625.10 Td (reports ) Tj ET Q q 0 0 0 rg BT 474.48 625.10 Td (for ) Tj ET Q q 0 0 0 rg BT 488.86 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.81 625.10 Td (first ) Tj ET Q q 0 0 0 rg BT 522.64 625.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 553.68 625.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 74.79 613.10 Td (excludes ) Tj ET Q q 0 0 0 rg BT 112.06 613.10 Td (from ) Tj ET Q q 0 0 0 rg BT 133.78 613.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 177.16 613.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 206.09 613.10 Td (both ) Tj ET Q q 0 0 0 rg BT 226.16 613.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 270.08 613.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 293.48 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.20 613.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 336.38 613.10 Td (on ) Tj ET Q q 0 0 0 rg BT 348.66 613.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 399.54 613.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 420.70 613.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 440.21 613.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 480.25 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.98 613.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 549.79 613.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 73.49 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.31 601.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 116.58 601.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.96 601.10 Td (cash-flow ) Tj ET Q q 0 0 0 rg BT 170.77 601.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 200.92 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.74 601.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 254.00 601.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 301.92 601.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.08 601.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 344.45 601.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 374.59 601.10 Td (post-retirement ) Tj ET Q q 0 0 0 rg BT 438.06 601.10 Td (plans. ) Tj ET Q q 0 0 0 rg BT 463.88 601.10 Td (W) Tj ET Q q 0 0 0 rg BT 472.51 601.10 Td (e ) Tj ET Q q 0 0 0 rg BT 479.33 601.10 Td (made ) Tj ET Q q 0 0 0 rg BT 503.37 601.10 Td (this ) Tj ET Q q 0 0 0 rg BT 520.20 601.10 Td (election ) Tj ET Q q 0 0 0 rg BT 554.23 601.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (avoid ) Tj ET Q q 0 0 0 rg BT 74.87 589.10 Td (variations ) Tj ET Q q 0 0 0 rg BT 116.95 589.10 Td (in ) Tj ET Q q 0 0 0 rg BT 127.38 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.25 589.10 Td (level ) Tj ET Q q 0 0 0 rg BT 164.33 589.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.31 589.10 Td (our ) Tj ET Q q 0 0 0 rg BT 191.29 589.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 220.59 589.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 264.90 589.10 Td (on ) Tj ET Q q 0 0 0 rg BT 277.55 589.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 327.41 589.10 Td (in ) Tj ET Q q 0 0 0 rg BT 337.84 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.71 589.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 369.23 589.10 Td (value ) Tj ET Q q 0 0 0 rg BT 393.54 589.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.52 589.10 Td (our ) Tj ET Q q 0 0 0 rg BT 420.50 589.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 460.92 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.00 589.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 524.53 589.10 Td (portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 577.10 Td (well ) Tj ET Q q 0 0 0 rg BT 80.55 577.10 Td (as ) Tj ET Q q 0 0 0 rg BT 91.38 577.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 126.08 577.10 Td (in ) Tj ET Q q 0 0 0 rg BT 136.36 577.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 166.06 577.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 197.44 577.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 234.92 577.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 275.17 577.10 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 85.97 556.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 132.50 556.10 Td (\(except ) Tj ET Q q 0 0 0 rg BT 164.01 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 177.75 556.10 Td (lar) Tj ET Q q 0 0 0 rg BT 188.12 556.10 Td (ge, ) Tj ET Q q 0 0 0 rg BT 202.14 556.10 Td (internationally ) Tj ET Q q 0 0 0 rg BT 262.53 556.10 Td (active ) Tj ET Q q 0 0 0 rg BT 288.49 556.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 325.55 556.10 Td (institutions\) ) Tj ET Q q 0 0 0 rg BT 375.41 556.10 Td (became ) Tj ET Q q 0 0 0 rg BT 408.03 556.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 438.43 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.29 556.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 472.59 556.10 Td (III ) Tj ET Q q 0 0 0 rg BT 484.66 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 496.75 556.10 Td (January ) Tj ET Q q 0 0 0 rg BT 529.93 556.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 539.51 556.10 Td (2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (There ) Tj ET Q q 0 0 0 rg BT 77.03 544.10 Td (are ) Tj ET Q q 0 0 0 rg BT 92.95 544.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 129.42 544.10 Td (phase-in/phase-out ) Tj ET Q q 0 0 0 rg BT 208.67 544.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 241.82 544.10 Td (for: ) Tj ET Q q 0 0 0 rg BT 259.97 544.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 273.13 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.06 544.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 319.42 544.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 374.23 544.10 Td (buf) Tj ET Q q 0 0 0 rg BT 387.38 544.10 Td (fer; ) Tj ET Q q 0 0 0 rg BT 404.97 544.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 420.91 544.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 465.71 544.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 496.08 544.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 547.57 544.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (deductions; ) Tj ET Q q 0 0 0 rg BT 98.87 532.10 Td (\(iii\)nonqualifying ) Tj ET Q q 0 0 0 rg BT 175.24 532.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 204.66 532.10 Td (instruments; ) Tj ET Q q 0 0 0 rg BT 256.87 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.07 532.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 291.28 532.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 326.25 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.80 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.78 532.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 383.44 532.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 426.18 532.10 Td (action ) Tj ET Q q 0 0 0 rg BT 453.38 532.10 Td (rules. ) Tj ET Q q 0 0 0 rg BT 477.88 532.10 Td (Thephase-in ) Tj ET Q q 0 0 0 rg BT 532.57 532.10 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (commence ) Tj ET Q q 0 0 0 rg BT 95.90 520.10 Td (on ) Tj ET Q q 0 0 0 rg BT 108.50 520.10 Td (January ) Tj ET Q q 0 0 0 rg BT 142.19 520.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 152.29 520.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 174.88 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.91 520.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 221.16 520.10 Td (until ) Tj ET Q q 0 0 0 rg BT 242.09 520.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 267.00 520.10 Td (W) Tj ET Q q 0 0 0 rg BT 275.64 520.10 Td (e ) Tj ET Q q 0 0 0 rg BT 282.67 520.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 314.14 520.10 Td (that ) Tj ET Q q 0 0 0 rg BT 331.72 520.10 Td (we ) Tj ET Q q 0 0 0 rg BT 345.98 520.10 Td (will ) Tj ET Q q 0 0 0 rg BT 364.13 520.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 401.16 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.53 520.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 441.88 520.10 Td (all ) Tj ET Q q 0 0 0 rg BT 454.47 520.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 520.91 520.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.70 508.10 Td (on ) Tj ET Q q 0 0 0 rg BT 117.20 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 124.14 508.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 145.53 508.10 Td (phased-in ) Tj ET Q q 0 0 0 rg BT 186.90 508.10 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.61 487.10 Td (October ) Tj ET Q q 0 0 0 rg BT 95.09 487.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 119.87 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.36 487.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 166.62 487.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 201.11 487.10 Td (published ) Tj ET Q q 0 0 0 rg BT 242.27 487.10 Td (a ) Tj ET Q q 0 0 0 rg BT 248.99 487.10 Td (final ) Tj ET Q q 0 0 0 rg BT 269.59 487.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 287.41 487.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 345.24 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.73 487.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 384.23 487.10 Td (test ) Tj ET Q q 0 0 0 rg BT 400.39 487.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 454.87 487.10 Td (under ) Tj ET Q q 0 0 0 rg BT 479.92 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.41 487.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 545.07 487.10 Td (Act, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.42 475.10 Td (are ) Tj ET Q q 0 0 0 rg BT 90.61 475.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 128.14 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.90 475.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 173.19 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.39 475.10 Td (suf) Tj ET Q q 0 0 0 rg BT 199.43 475.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 233.62 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.93 475.10 Td (a ) Tj ET Q q 0 0 0 rg BT 250.35 475.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 284.55 475.10 Td (or) Tj ET Q q 0 0 0 rg BT 292.70 475.10 Td (ganization's ) Tj ET Q q 0 0 0 rg BT 342.03 475.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 370.66 475.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.42 475.10 Td (support ) Tj ET Q q 0 0 0 rg BT 412.40 475.10 Td (its ) Tj ET Q q 0 0 0 rg BT 423.83 475.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 467.47 475.10 Td (during ) Tj ET Q q 0 0 0 rg BT 495.56 475.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 526.98 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.29 475.10 Td (stress. ) Tj ET Q q 0 0 0 rg BT 564.52 475.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.93 463.10 Td (a ) Tj ET Q q 0 0 0 rg BT 71.18 463.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 93.43 463.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 126.80 463.10 Td (company ) Tj ET Q q 0 0 0 rg BT 166.27 463.10 Td (with ) Tj ET Q q 0 0 0 rg BT 186.86 463.10 Td (between ) Tj ET Q q 0 0 0 rg BT 222.99 463.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 240.81 463.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 269.73 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 286.99 463.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 304.80 463.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 333.73 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 344.32 463.10 Td (total ) Tj ET Q q 0 0 0 rg BT 364.91 463.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 418.26 463.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 446.91 463.10 Td (we ) Tj ET Q q 0 0 0 rg BT 461.38 463.10 Td (were ) Tj ET Q q 0 0 0 rg BT 483.63 463.10 Td (required ) Tj ET Q q 0 0 0 rg BT 519.75 463.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.35 463.10 Td (conduct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 79.32 451.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 104.21 451.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 124.66 451.10 Td (based ) Tj ET Q q 0 0 0 rg BT 150.09 451.10 Td (on ) Tj ET Q q 0 0 0 rg BT 162.76 451.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 202.64 451.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 240.85 451.10 Td (by ) Tj ET Q q 0 0 0 rg BT 253.52 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.40 451.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 301.05 451.10 Td (Reserve, ) Tj ET Q q 0 0 0 rg BT 338.43 451.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 381.09 451.10 Td (in ) Tj ET Q q 0 0 0 rg BT 391.54 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.42 451.10 Td (fall ) Tj ET Q q 0 0 0 rg BT 422.41 451.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.41 451.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 458.58 451.10 Td ( ) Tj ET Q q 0 0 0 rg BT 461.25 451.10 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 505.58 451.10 Td (with ) Tj ET Q q 0 0 0 rg BT 526.03 451.10 Td (our ) Tj ET Q q 0 0 0 rg BT 542.02 451.10 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 74.37 439.10 Td (test, ) Tj ET Q q 0 0 0 rg BT 92.90 439.10 Td (we ) Tj ET Q q 0 0 0 rg BT 106.70 439.10 Td (were ) Tj ET Q q 0 0 0 rg BT 128.28 439.10 Td (also ) Tj ET Q q 0 0 0 rg BT 146.53 439.10 Td (required ) Tj ET Q q 0 0 0 rg BT 181.99 439.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.91 439.10 Td (publicly ) Tj ET Q q 0 0 0 rg BT 226.83 439.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 261.19 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.56 439.10 Td (results ) Tj ET Q q 0 0 0 rg BT 303.81 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.29 439.10 Td (our ) Tj ET Q q 0 0 0 rg BT 329.76 439.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 354.13 439.10 Td (tests. ) Tj ET Q q 0 0 0 rg BT 376.55 439.10 Td ( ) Tj ET Q q 0 0 0 rg BT 378.54 439.10 Td (While ) Tj ET Q q 0 0 0 rg BT 405.12 439.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 449.48 439.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 496.08 439.10 Td (that ) Tj ET Q q 0 0 0 rg BT 513.22 439.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 534.80 439.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 72.48 427.10 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 116.62 427.10 Td (are ) Tj ET Q q 0 0 0 rg BT 131.87 427.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 163.23 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.04 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.30 427.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 214.56 427.10 Td (test ) Tj ET Q q 0 0 0 rg BT 231.48 427.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 289.22 427.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 328.35 427.10 Td (none ) Tj ET Q q 0 0 0 rg BT 350.83 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.19 427.10 Td (our ) Tj ET Q q 0 0 0 rg BT 378.56 427.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 422.71 427.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 449.07 427.10 Td (will ) Tj ET Q q 0 0 0 rg BT 467.67 427.10 Td (be ) Tj ET Q q 0 0 0 rg BT 480.14 427.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 511.50 427.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.32 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.57 427.10 Td (recent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 74.72 415.10 Td (test ) Tj ET Q q 0 0 0 rg BT 91.11 415.10 Td (rules.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Recent ) Tj ET Q q 0 0 0 rg BT 81.38 394.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 132.60 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 138.53 394.10 Td (ransactions ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 370.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 156.94 370.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 198.32 370.10 Td (Shar) Tj ET Q q 0 0 0 rg BT 216.84 370.10 Td (es, ) Tj ET Q q 0 0 0 rg BT 230.17 370.10 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.25 346.10 Td (July ) Tj ET Q q 0 0 0 rg BT 84.94 346.10 Td (24, ) Tj ET Q q 0 0 0 rg BT 100.47 346.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 125.99 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.23 346.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 183.14 346.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 227.82 346.10 Td (its ) Tj ET Q q 0 0 0 rg BT 240.29 346.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 287.20 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.55 346.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 349.36 346.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 389.60 346.10 Td (Shares, ) Tj ET Q q 0 0 0 rg BT 421.78 346.10 Td (Inc ) Tj ET Q q 0 0 0 rg BT 437.58 346.10 Td (\("CFIS"\). ) Tj ET Q q 0 0 0 rg BT 479.05 346.10 Td (CFIS ) Tj ET Q q 0 0 0 rg BT 503.20 346.10 Td (was ) Tj ET Q q 0 0 0 rg BT 521.77 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.02 346.10 Td (parent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (company ) Tj ET Q q 0 0 0 rg BT 90.23 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.14 334.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 153.50 334.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 178.18 334.10 Td (- ) Tj ET Q q 0 0 0 rg BT 184.83 334.10 Td (Wheaton/Glen ) Tj ET Q q 0 0 0 rg BT 246.71 334.10 Td (Ellyn ) Tj ET Q q 0 0 0 rg BT 271.95 334.10 Td (\("CBWGE"\). ) Tj ET Q q 0 0 0 rg BT 328.96 334.10 Td (CBWGE ) Tj ET Q q 0 0 0 rg BT 368.65 334.10 Td (was ) Tj ET Q q 0 0 0 rg BT 387.77 334.10 Td (mer) Tj ET Q q 0 0 0 rg BT 403.14 334.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 421.15 334.10 Td (into ) Tj ET Q q 0 0 0 rg BT 440.29 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.08 334.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 504.23 334.10 Td (wholly-owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 94.53 322.10 Td (Wheaton ) Tj ET Q q 0 0 0 rg BT 134.31 322.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 159.11 322.10 Td (& ) Tj ET Q q 0 0 0 rg BT 170.31 322.10 Td (T) Tj ET Q q 0 0 0 rg BT 176.06 322.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 194.75 322.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 237.33 322.10 Td (\("Wheaton ) Tj ET Q q 0 0 0 rg BT 284.52 322.10 Td (Bank"\). ) Tj ET Q q 0 0 0 rg BT 319.23 322.10 Td (In ) Tj ET Q q 0 0 0 rg BT 331.25 322.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 367.71 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 379.18 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.08 322.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 430.98 322.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 469.10 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.01 322.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 527.58 322.10 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 110.26 310.10 Td ($351 ) Tj ET Q q 0 0 0 rg BT 132.76 310.10 Td (million ) Tj ET Q q 0 0 0 rg BT 164.15 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.98 310.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 203.31 310.10 Td (including ) Tj ET Q q 0 0 0 rg BT 243.58 310.10 Td ($160 ) Tj ET Q q 0 0 0 rg BT 266.08 310.10 Td (million ) Tj ET Q q 0 0 0 rg BT 297.48 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.31 310.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 334.41 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 351.35 310.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 388.29 310.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 448.55 310.10 Td ($290 ) Tj ET Q q 0 0 0 rg BT 471.05 310.10 Td (million ) Tj ET Q q 0 0 0 rg BT 502.44 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.27 310.10 Td (deposits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 286.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 149.72 286.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 180.56 286.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 220.00 286.10 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.38 262.10 Td (July ) Tj ET Q q 0 0 0 rg BT 85.20 262.10 Td (17, ) Tj ET Q q 0 0 0 rg BT 100.86 262.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 126.51 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.89 262.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 183.93 262.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 228.74 262.10 Td (its ) Tj ET Q q 0 0 0 rg BT 241.34 262.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 288.38 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.86 262.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 341.35 262.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 372.84 262.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 412.37 262.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 430.80 262.10 Td (\("Suburban"\). ) Tj ET Q q 0 0 0 rg BT 489.61 262.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 531.09 262.10 Td (was ) Tj ET Q q 0 0 0 rg BT 549.80 262.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 77.80 250.10 Td (company ) Tj ET Q q 0 0 0 rg BT 117.26 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.40 250.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 169.54 250.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 193.46 250.10 Td (& ) Tj ET Q q 0 0 0 rg BT 203.84 250.10 Td (T) Tj ET Q q 0 0 0 rg BT 209.60 250.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 227.41 250.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 269.11 250.10 Td (\("SBT"\). ) Tj ET Q q 0 0 0 rg BT 307.58 250.10 Td (SBT) Tj ET Q q 0 0 0 rg BT 325.74 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.55 250.10 Td (was ) Tj ET Q q 0 0 0 rg BT 346.91 250.10 Td (mer) Tj ET Q q 0 0 0 rg BT 362.28 250.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 379.53 250.10 Td (into ) Tj ET Q q 0 0 0 rg BT 397.90 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.92 250.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 460.31 250.10 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 520.89 250.10 Td (subsidiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (Hinsdale ) Tj ET Q q 0 0 0 rg BT 88.08 238.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 111.73 238.10 Td (& ) Tj ET Q q 0 0 0 rg BT 121.86 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 127.62 238.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 145.16 238.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 186.58 238.10 Td (\("Hinsdale ) Tj ET Q q 0 0 0 rg BT 232.08 238.10 Td (Bank"\). ) Tj ET Q q 0 0 0 rg BT 265.64 238.10 Td (In ) Tj ET Q q 0 0 0 rg BT 276.51 238.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 311.82 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 322.14 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.89 238.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 371.65 238.10 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 411.11 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.87 238.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 467.29 238.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 504.25 238.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td ($495 ) Tj ET Q q 0 0 0 rg BT 72.50 226.10 Td (million ) Tj ET Q q 0 0 0 rg BT 103.89 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.72 226.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 143.05 226.10 Td (including ) Tj ET Q q 0 0 0 rg BT 183.33 226.10 Td ($258 ) Tj ET Q q 0 0 0 rg BT 205.83 226.10 Td (million ) Tj ET Q q 0 0 0 rg BT 237.22 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.05 226.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 274.16 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.09 226.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 328.03 226.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 388.29 226.10 Td ($417 ) Tj ET Q q 0 0 0 rg BT 410.79 226.10 Td (million ) Tj ET Q q 0 0 0 rg BT 442.18 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.01 226.10 Td (deposits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 202.10 Td (North ) Tj ET Q q 0 0 0 rg BT 134.17 202.10 Td (Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (On ) Tj ET Q q 0 0 0 rg BT 65.31 178.10 Td (July ) Tj ET Q q 0 0 0 rg BT 85.07 178.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 95.66 178.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 121.25 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.55 178.10 Td (Company) Tj ET Q q 0 0 0 rg BT 174.79 178.10 Td (, ) Tj ET Q q 0 0 0 rg BT 180.38 178.10 Td (through ) Tj ET Q q 0 0 0 rg BT 214.57 178.10 Td (its ) Tj ET Q q 0 0 0 rg BT 227.11 178.10 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 287.97 178.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 331.94 178.10 Td (W) Tj ET Q q 0 0 0 rg BT 340.98 178.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 369.62 178.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 396.32 178.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 441.06 178.10 Td (its ) Tj ET Q q 0 0 0 rg BT 453.60 178.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 500.57 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.98 178.10 Td (North ) Tj ET Q q 0 0 0 rg BT 538.40 178.10 Td (Bank. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Through ) Tj ET Q q 0 0 0 rg BT 86.46 166.10 Td (this ) Tj ET Q q 0 0 0 rg BT 102.92 166.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 148.82 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.05 166.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 203.96 166.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 240.40 166.10 Td (two ) Tj ET Q q 0 0 0 rg BT 257.42 166.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 291.66 166.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 329.78 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 339.58 166.10 Td (downtown ) Tj ET Q q 0 0 0 rg BT 383.82 166.10 Td (Chicago. ) Tj ET Q q 0 0 0 rg BT 421.66 166.10 Td (In ) Tj ET Q q 0 0 0 rg BT 432.01 166.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 466.80 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 476.60 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.83 166.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 525.07 166.10 Td (facilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.08 154.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 106.83 154.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 144.12 154.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 204.74 154.10 Td ($1) Tj ET Q q 0 0 0 rg BT 214.37 154.10 Td (18 ) Tj ET Q q 0 0 0 rg BT 227.23 154.10 Td (million ) Tj ET Q q 0 0 0 rg BT 258.98 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.18 154.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 298.87 154.10 Td (including ) Tj ET Q q 0 0 0 rg BT 339.51 154.10 Td ($52 ) Tj ET Q q 0 0 0 rg BT 357.37 154.10 Td (million ) Tj ET Q q 0 0 0 rg BT 389.12 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.32 154.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 426.79 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.09 154.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 481.39 154.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 542.01 154.10 Td ($101 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (million ) Tj ET Q q 0 0 0 rg BT 81.39 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.22 142.10 Td (deposits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 118.10 Td (Delavan ) Tj ET Q q 0 0 0 rg BT 144.71 118.10 Td (Bancshar) Tj ET Q q 0 0 0 rg BT 182.67 118.10 Td (es, ) Tj ET Q q 0 0 0 rg BT 196.00 118.10 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.78 94.10 Td (January ) Tj ET Q q 0 0 0 rg BT 98.43 94.10 Td (16, ) Tj ET Q q 0 0 0 rg BT 113.49 94.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 136.04 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.82 94.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.26 94.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 236.47 94.10 Td (its ) Tj ET Q q 0 0 0 rg BT 248.47 94.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 294.91 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.80 94.10 Td (Delavan. ) Tj ET Q q 0 0 0 rg BT 344.17 94.10 Td (Delavan ) Tj ET Q q 0 0 0 rg BT 380.04 94.10 Td (was ) Tj ET Q q 0 0 0 rg BT 398.15 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.92 94.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 440.46 94.10 Td (company ) Tj ET Q q 0 0 0 rg BT 479.67 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.56 94.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 540.90 94.10 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (CBD. ) Tj ET Q q 0 0 0 rg BT 75.62 82.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 125.97 82.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 149.64 82.10 Td (CBD ) Tj ET Q q 0 0 0 rg BT 172.76 82.10 Td (was ) Tj ET Q q 0 0 0 rg BT 190.87 82.10 Td (mer) Tj ET Q q 0 0 0 rg BT 206.24 82.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 223.24 82.10 Td (into ) Tj ET Q q 0 0 0 rg BT 241.35 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.13 82.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 303.27 82.10 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 363.60 82.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 407.09 82.10 Td (T) Tj ET Q q 0 0 0 rg BT 412.50 82.10 Td (own ) Tj ET Q q 0 0 0 rg BT 432.28 82.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 458.45 82.10 Td (In ) Tj ET Q q 0 0 0 rg BT 469.34 82.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 504.68 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.02 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.79 82.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 88.55 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.40 70.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 142.91 70.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 178.96 70.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 238.34 70.10 Td ($224 ) Tj ET Q q 0 0 0 rg BT 259.96 70.10 Td (million ) Tj ET Q q 0 0 0 rg BT 290.48 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.44 70.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 327.89 70.10 Td (including ) Tj ET Q q 0 0 0 rg BT 367.29 70.10 Td ($128 ) Tj ET Q q 0 0 0 rg BT 388.92 70.10 Td (million ) Tj ET Q q 0 0 0 rg BT 419.43 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 429.39 70.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 452.12 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.18 70.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 504.25 70.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td ($170 ) Tj ET Q q 0 0 0 rg BT 72.50 58.10 Td (million ) Tj ET Q q 0 0 0 rg BT 103.89 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.72 58.10 Td (deposits. ) Tj ET Q endstream endobj 109 0 obj <> endobj 110 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (54) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 742.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 130.27 742.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 167.21 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.71 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 215.53 742.10 Td (r) Tj ET Q q 0 0 0 rg BT 219.05 742.10 Td (elated ) Tj ET Q q 0 0 0 rg BT 245.99 742.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 281.26 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.54 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 296.19 742.10 Td (almer ) Tj ET Q q 0 0 0 rg BT 322.02 742.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 345.06 742.10 Td (& ) Tj ET Q q 0 0 0 rg BT 355.34 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 360.35 742.10 Td (rust) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.90 718.10 Td (August ) Tj ET Q q 0 0 0 rg BT 97.23 718.10 Td (8, ) Tj ET Q q 0 0 0 rg BT 108.16 718.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 134.10 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.75 718.10 Td (Company) Tj ET Q q 0 0 0 rg BT 187.99 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 193.93 718.10 Td (through ) Tj ET Q q 0 0 0 rg BT 228.47 718.10 Td (its ) Tj ET Q q 0 0 0 rg BT 241.36 718.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 285.65 718.10 Td (T) Tj ET Q q 0 0 0 rg BT 291.06 718.10 Td (own ) Tj ET Q q 0 0 0 rg BT 311.72 718.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 338.77 718.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 383.85 718.10 Td (its ) Tj ET Q q 0 0 0 rg BT 396.74 718.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 444.06 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 455.82 718.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 486.46 718.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 517.11 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 525.26 718.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 547.57 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 85.45 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.26 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 101.67 706.10 Td (almer ) Tj ET Q q 0 0 0 rg BT 127.10 706.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 150.88 706.10 Td (& ) Tj ET Q q 0 0 0 rg BT 161.14 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 166.89 706.10 Td (rust. ) Tj ET Q q 0 0 0 rg BT 186.87 706.10 Td (Through ) Tj ET Q q 0 0 0 rg BT 223.98 706.10 Td (this ) Tj ET Q q 0 0 0 rg BT 241.10 706.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 289.95 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 295.36 706.10 Td (own ) Tj ET Q q 0 0 0 rg BT 315.25 706.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 339.03 706.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 376.13 706.10 Td (eleven ) Tj ET Q q 0 0 0 rg BT 404.89 706.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 434.77 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 442.92 706.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 464.47 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.58 706.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 542.01 706.10 Td ($355 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (million ) Tj ET Q q 0 0 0 rg BT 81.39 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 91.67 694.10 Td (deposits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 115.83 670.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 137.77 670.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 168.04 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.54 670.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 216.36 670.10 Td (r) Tj ET Q q 0 0 0 rg BT 219.88 670.10 Td (elated ) Tj ET Q q 0 0 0 rg BT 246.82 670.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 282.09 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.37 670.10 Td (THE ) Tj ET Q q 0 0 0 rg BT 313.76 670.10 Td (National ) Tj ET Q q 0 0 0 rg BT 351.27 670.10 Td (Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.46 646.10 Td (July ) Tj ET Q q 0 0 0 rg BT 83.38 646.10 Td (1) Tj ET Q q 0 0 0 rg BT 88.01 646.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 97.75 646.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 122.49 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.95 646.10 Td (Company) Tj ET Q q 0 0 0 rg BT 175.19 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 179.93 646.10 Td (through ) Tj ET Q q 0 0 0 rg BT 213.28 646.10 Td (its ) Tj ET Q q 0 0 0 rg BT 224.97 646.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 268.16 646.10 Td (T) Tj ET Q q 0 0 0 rg BT 273.57 646.10 Td (own ) Tj ET Q q 0 0 0 rg BT 293.04 646.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 318.89 646.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 362.78 646.10 Td (its ) Tj ET Q q 0 0 0 rg BT 374.47 646.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 420.60 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.17 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.63 646.10 Td (Pewaukee, ) Tj ET Q q 0 0 0 rg BT 490.75 646.10 Td (W) Tj ET Q q 0 0 0 rg BT 499.78 646.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 534.80 646.10 Td (branch ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.98 634.10 Td (THE ) Tj ET Q q 0 0 0 rg BT 83.27 634.10 Td (National ) Tj ET Q q 0 0 0 rg BT 120.56 634.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 147.02 634.10 Td (In ) Tj ET Q q 0 0 0 rg BT 158.20 634.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 193.83 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.46 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.54 634.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 254.61 634.10 Td (facility) Tj ET Q q 0 0 0 rg BT 282.28 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 287.42 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 292.83 634.10 Td (own ) Tj ET Q q 0 0 0 rg BT 312.91 634.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 336.87 634.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 374.15 634.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 434.76 634.10 Td ($94 ) Tj ET Q q 0 0 0 rg BT 452.62 634.10 Td (million ) Tj ET Q q 0 0 0 rg BT 484.36 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.55 634.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 524.23 634.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td ($75 ) Tj ET Q q 0 0 0 rg BT 67.50 622.10 Td (million ) Tj ET Q q 0 0 0 rg BT 98.89 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.72 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 133.33 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.27 622.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 210.53 622.10 Td ($36 ) Tj ET Q q 0 0 0 rg BT 228.03 622.10 Td (million ) Tj ET Q q 0 0 0 rg BT 259.42 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.25 622.10 Td (deposits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 115.83 598.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 137.77 598.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 168.04 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.54 598.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 216.36 598.10 Td (r) Tj ET Q q 0 0 0 rg BT 219.88 598.10 Td (elated ) Tj ET Q q 0 0 0 rg BT 246.82 598.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 282.09 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.37 598.10 Td (Urban ) Tj ET Q q 0 0 0 rg BT 320.99 598.10 Td (Partnership ) Tj ET Q q 0 0 0 rg BT 371.26 598.10 Td (Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.63 574.10 Td (May ) Tj ET Q q 0 0 0 rg BT 85.36 574.10 Td (16, ) Tj ET Q q 0 0 0 rg BT 100.27 574.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 125.17 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.79 574.10 Td (Company) Tj ET Q q 0 0 0 rg BT 178.03 574.10 Td (, ) Tj ET Q q 0 0 0 rg BT 182.93 574.10 Td (through ) Tj ET Q q 0 0 0 rg BT 216.45 574.10 Td (its ) Tj ET Q q 0 0 0 rg BT 228.30 574.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 271.81 574.10 Td (Hinsdale ) Tj ET Q q 0 0 0 rg BT 309.77 574.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 335.78 574.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 379.83 574.10 Td (its ) Tj ET Q q 0 0 0 rg BT 391.69 574.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 437.97 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.71 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.33 574.10 Td (Stone ) Tj ET Q q 0 0 0 rg BT 488.51 574.10 Td (Park ) Tj ET Q q 0 0 0 rg BT 509.25 574.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 538.86 574.10 Td (of) Tj ET Q q 0 0 0 rg BT 547.01 574.10 Td (fice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 562.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 96.64 562.10 Td (related ) Tj ET Q q 0 0 0 rg BT 126.34 562.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 161.62 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.45 562.10 Td (Urban ) Tj ET Q q 0 0 0 rg BT 199.94 562.10 Td (Partnership ) Tj ET Q q 0 0 0 rg BT 247.99 562.10 Td (Bank.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 538.10 Td (two ) Tj ET Q q 0 0 0 rg BT 125.28 538.10 Td (affiliated ) Tj ET Q q 0 0 0 rg BT 163.89 538.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 205.83 538.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 247.77 538.10 Td (pr) Tj ET Q q 0 0 0 rg BT 256.29 538.10 Td (emium ) Tj ET Q q 0 0 0 rg BT 285.45 538.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 318.51 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.01 538.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 372.39 538.10 Td (services ) Tj ET Q q 0 0 0 rg BT 407.09 538.10 Td (companies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (On ) Tj ET Q q 0 0 0 rg BT 63.96 514.10 Td (April ) Tj ET Q q 0 0 0 rg BT 87.31 514.10 Td (28, ) Tj ET Q q 0 0 0 rg BT 102.04 514.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 126.78 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.23 514.10 Td (Company) Tj ET Q q 0 0 0 rg BT 179.47 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 184.20 514.10 Td (through ) Tj ET Q q 0 0 0 rg BT 217.55 514.10 Td (its ) Tj ET Q q 0 0 0 rg BT 229.23 514.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 269.69 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 274.42 514.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 297.78 514.10 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 332.50 514.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 376.39 514.10 Td (its ) Tj ET Q q 0 0 0 rg BT 388.07 514.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 434.19 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.76 514.10 Td (100% ) Tj ET Q q 0 0 0 rg BT 470.32 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.89 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.34 514.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 522.56 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 533.13 514.10 Td (each ) Tj ET Q q 0 0 0 rg BT 553.68 514.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Policy ) Tj ET Q q 0 0 0 rg BT 78.01 502.10 Td (Billing ) Tj ET Q q 0 0 0 rg BT 108.25 502.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 144.58 502.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 162.30 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.19 502.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 208.31 502.10 Td (Premium ) Tj ET Q q 0 0 0 rg BT 247.43 502.10 Td (Finance ) Tj ET Q q 0 0 0 rg BT 281.54 502.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 301.76 502.10 Td (two ) Tj ET Q q 0 0 0 rg BT 319.21 502.10 Td (af) Tj ET Q q 0 0 0 rg BT 326.80 502.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 357.58 502.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 397.79 502.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 438.56 502.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 477.12 502.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 510.68 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.57 502.10 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (services ) Tj ET Q q 0 0 0 rg BT 84.71 490.10 Td (companies.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 98.05 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.33 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 115.83 466.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 137.77 466.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 168.04 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.54 466.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 216.36 466.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 242.75 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.25 466.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 300.53 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.81 466.10 Td (Baytr) Tj ET Q q 0 0 0 rg BT 332.66 466.10 Td (ee ) Tj ET Q q 0 0 0 rg BT 344.03 466.10 Td (National ) Tj ET Q q 0 0 0 rg BT 381.54 466.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 404.58 466.10 Td (&T) Tj ET Q q 0 0 0 rg BT 417.37 466.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 435.43 466.10 Td (Company) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (On ) Tj ET Q q 0 0 0 rg BT 63.83 442.10 Td (February ) Tj ET Q q 0 0 0 rg BT 101.54 442.10 Td (28, ) Tj ET Q q 0 0 0 rg BT 115.64 442.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 139.75 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.58 442.10 Td (Company) Tj ET Q q 0 0 0 rg BT 191.81 442.10 Td (, ) Tj ET Q q 0 0 0 rg BT 195.92 442.10 Td (through ) Tj ET Q q 0 0 0 rg BT 228.64 442.10 Td (its ) Tj ET Q q 0 0 0 rg BT 239.69 442.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 282.41 442.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 304.00 442.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 330.61 442.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 353.33 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.26 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 375.02 442.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 391.62 442.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 432.12 442.10 Td (\("Lake ) Tj ET Q q 0 0 0 rg BT 461.12 442.10 Td (Forest ) Tj ET Q q 0 0 0 rg BT 487.73 442.10 Td (Bank"\), ) Tj ET Q q 0 0 0 rg BT 520.36 442.10 Td (completed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (an ) Tj ET Q q 0 0 0 rg BT 62.22 430.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 108.89 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.00 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 127.22 430.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 149.44 430.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 179.43 430.10 Td (from ) Tj ET Q q 0 0 0 rg BT 201.66 430.10 Td (Baytree ) Tj ET Q q 0 0 0 rg BT 235.53 430.10 Td (National ) Tj ET Q q 0 0 0 rg BT 272.75 430.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 296.64 430.10 Td (& ) Tj ET Q q 0 0 0 rg BT 307.00 430.10 Td (T) Tj ET Q q 0 0 0 rg BT 312.76 430.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 330.54 430.10 Td (Company) Tj ET Q q 0 0 0 rg BT 368.78 430.10 Td (. ) Tj ET Q q 0 0 0 rg BT 374.06 430.10 Td (In ) Tj ET Q q 0 0 0 rg BT 385.17 430.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 420.73 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.29 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.29 430.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 481.29 430.10 Td (facility) Tj ET Q q 0 0 0 rg BT 508.96 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 514.25 430.10 Td (Lake ) Tj ET Q q 0 0 0 rg BT 537.02 430.10 Td (Forest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.61 418.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 110.53 418.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 140.23 418.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 166.06 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 183.00 418.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 243.26 418.10 Td ($15 ) Tj ET Q q 0 0 0 rg BT 260.76 418.10 Td (million ) Tj ET Q q 0 0 0 rg BT 292.15 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.98 418.10 Td (deposits.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 389.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 76.39 389.10 Td (Completed ) Tj ET Q q 0 0 0 rg BT 122.77 389.10 Td (T) Tj ET Q q 0 0 0 rg BT 128.51 389.10 Td (ransactions) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 365.10 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 87.49 365.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.77 365.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 124.71 365.10 Td (D ) Tj ET Q q 0 0 0 rg BT 134.43 365.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 144.06 365.10 Td (eferr) Tj ET Q q 0 0 0 rg BT 163.13 365.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 175.06 365.10 Td (Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 341.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.90 341.10 Td (June ) Tj ET Q q 0 0 0 rg BT 81.79 341.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 106.85 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.64 341.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 163.09 341.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 190.65 341.10 Td (and ) Tj ET Q q 0 0 0 rg BT 207.66 341.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 226.89 341.10 Td (5,000,000 ) Tj ET Q q 0 0 0 rg BT 269.46 341.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 297.01 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.91 341.10 Td (fixed-to-floating ) Tj ET Q q 0 0 0 rg BT 376.56 341.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 394.11 341.10 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 459.43 341.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 499.20 341.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 538.40 341.10 Td (stock, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 329.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 76.47 329.10 Td (D, ) Tj ET Q q 0 0 0 rg BT 88.22 329.10 Td (no ) Tj ET Q q 0 0 0 rg BT 100.25 329.10 Td (par ) Tj ET Q q 0 0 0 rg BT 115.05 329.10 Td (value ) Tj ET Q q 0 0 0 rg BT 138.74 329.10 Td (per ) Tj ET Q q 0 0 0 rg BT 153.54 329.10 Td (share ) Tj ET Q q 0 0 0 rg BT 176.67 329.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 194.25 329.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 225.16 329.10 Td (D ) Tj ET Q q 0 0 0 rg BT 234.41 329.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 273.64 329.10 Td (Stock\), ) Tj ET Q q 0 0 0 rg BT 308.72 329.10 Td (with ) Tj ET Q q 0 0 0 rg BT 328.53 329.10 Td (a ) Tj ET Q q 0 0 0 rg BT 335.00 329.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 380.36 329.10 Td (preference ) Tj ET Q q 0 0 0 rg BT 424.57 329.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.93 329.10 Td ($25 ) Tj ET Q q 0 0 0 rg BT 451.96 329.10 Td (per ) Tj ET Q q 0 0 0 rg BT 466.76 329.10 Td (share ) Tj ET Q q 0 0 0 rg BT 489.89 329.10 Td (for ) Tj ET Q q 0 0 0 rg BT 503.58 329.10 Td ($125.0 ) Tj ET Q q 0 0 0 rg BT 533.12 329.10 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.59 317.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.84 317.10 Td (public ) Tj ET Q q 0 0 0 rg BT 95.64 317.10 Td (of) Tj ET Q q 0 0 0 rg BT 103.79 317.10 Td (fering. ) Tj ET Q q 0 0 0 rg BT 132.98 317.10 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 176.90 317.10 Td (on ) Tj ET Q q 0 0 0 rg BT 189.71 317.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.73 317.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 231.98 317.10 Td (D ) Tj ET Q q 0 0 0 rg BT 242.01 317.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 282.02 317.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 307.61 317.10 Td (are ) Tj ET Q q 0 0 0 rg BT 322.63 317.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 356.53 317.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 395.43 317.10 Td (in ) Tj ET Q q 0 0 0 rg BT 406.02 317.10 Td (arrears ) Tj ET Q q 0 0 0 rg BT 436.03 317.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 463.00 317.10 Td (as ) Tj ET Q q 0 0 0 rg BT 474.14 317.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.39 317.10 Td (if ) Tj ET Q q 0 0 0 rg BT 500.31 317.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 536.98 317.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 317.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.39 305.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 124.64 305.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.78 305.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 175.80 305.10 Td (or ) Tj ET Q q 0 0 0 rg BT 186.94 305.10 Td (a ) Tj ET Q q 0 0 0 rg BT 194.19 305.10 Td (duly ) Tj ET Q q 0 0 0 rg BT 214.78 305.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 259.80 305.10 Td (committee ) Tj ET Q q 0 0 0 rg BT 304.82 305.10 Td (thereof ) Tj ET Q q 0 0 0 rg BT 335.94 305.10 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 385.27 305.10 Td (, ) Tj ET Q q 0 0 0 rg BT 390.58 305.10 Td (the ) Tj ET Q q 0 0 0 rg BT 405.61 305.10 Td ("Board"\) ) Tj ET Q q 0 0 0 rg BT 444.35 305.10 Td (at ) Tj ET Q q 0 0 0 rg BT 454.38 305.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.63 305.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 479.43 305.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.57 305.10 Td (6.50% ) Tj ET Q q 0 0 0 rg BT 519.21 305.10 Td (per ) Tj ET Q q 0 0 0 rg BT 534.79 305.10 Td (annum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.74 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.70 293.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 120.77 293.10 Td (preference ) Tj ET Q q 0 0 0 rg BT 164.70 293.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.77 293.10 Td ($25 ) Tj ET Q q 0 0 0 rg BT 191.51 293.10 Td (per ) Tj ET Q q 0 0 0 rg BT 206.02 293.10 Td (share ) Tj ET Q q 0 0 0 rg BT 228.86 293.10 Td (from ) Tj ET Q q 0 0 0 rg BT 250.04 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.00 293.10 Td (original ) Tj ET Q q 0 0 0 rg BT 296.85 293.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 332.47 293.10 Td (date ) Tj ET Q q 0 0 0 rg BT 350.87 293.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 362.89 293.10 Td (but ) Tj ET Q q 0 0 0 rg BT 377.41 293.10 Td (excluding, ) Tj ET Q q 0 0 0 rg BT 421.08 293.10 Td (July ) Tj ET Q q 0 0 0 rg BT 439.50 293.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 453.74 293.10 Td (2025. ) Tj ET Q q 0 0 0 rg BT 477.98 293.10 Td (From ) Tj ET Q q 0 0 0 rg BT 501.39 293.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 520.90 293.10 Td (including\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 281.10 Td (July ) Tj ET Q q 0 0 0 rg BT 69.80 281.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 85.43 281.10 Td (2025, ) Tj ET Q q 0 0 0 rg BT 111.06 281.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 153.07 281.10 Td (on ) Tj ET Q q 0 0 0 rg BT 166.20 281.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.55 281.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 209.11 281.10 Td (D ) Tj ET Q q 0 0 0 rg BT 219.46 281.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 259.79 281.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 285.70 281.10 Td (will ) Tj ET Q q 0 0 0 rg BT 304.38 281.10 Td (be ) Tj ET Q q 0 0 0 rg BT 316.95 281.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 351.17 281.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 390.40 281.10 Td (in ) Tj ET Q q 0 0 0 rg BT 401.30 281.10 Td (arrears, ) Tj ET Q q 0 0 0 rg BT 434.13 281.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 461.42 281.10 Td (as ) Tj ET Q q 0 0 0 rg BT 472.88 281.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.45 281.10 Td (if ) Tj ET Q q 0 0 0 rg BT 499.68 281.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 536.67 281.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.80 281.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 269.10 Td (Board, ) Tj ET Q q 0 0 0 rg BT 79.90 269.10 Td (at ) Tj ET Q q 0 0 0 rg BT 90.09 269.10 Td (a ) Tj ET Q q 0 0 0 rg BT 97.49 269.10 Td (floating ) Tj ET Q q 0 0 0 rg BT 131.56 269.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 149.51 269.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 174.13 269.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.87 269.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.06 269.10 Td (then-applicable ) Tj ET Q q 0 0 0 rg BT 264.66 269.10 Td (three-month ) Tj ET Q q 0 0 0 rg BT 316.49 269.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 349.46 269.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 364.08 269.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 397.04 269.10 Td (in ) Tj ET Q q 0 0 0 rg BT 407.78 269.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.96 269.10 Td (Certificate ) Tj ET Q q 0 0 0 rg BT 468.12 269.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.42 269.10 Td (Designations\) ) Tj ET Q q 0 0 0 rg BT 537.93 269.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 557.57 269.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 257.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 79.59 257.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.42 257.10 Td (4.06% ) Tj ET Q q 0 0 0 rg BT 120.74 257.10 Td (per ) Tj ET Q q 0 0 0 rg BT 137.00 257.10 Td (annum. ) Tj ET Q q 0 0 0 rg BT 169.96 257.10 Td (The ) Tj ET Q q 0 0 0 rg BT 189.00 257.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 227.49 257.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 245.97 257.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.79 257.10 Td (such ) Tj ET Q q 0 0 0 rg BT 279.62 257.10 Td (floating ) Tj ET Q q 0 0 0 rg BT 314.21 257.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 332.69 257.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 371.18 257.10 Td (will ) Tj ET Q q 0 0 0 rg BT 390.23 257.10 Td (be ) Tj ET Q q 0 0 0 rg BT 403.16 257.10 Td (reset ) Tj ET Q q 0 0 0 rg BT 425.53 257.10 Td (quarterly) Tj ET Q q 0 0 0 rg BT 460.98 257.10 Td (. ) Tj ET Q q 0 0 0 rg BT 466.72 257.10 Td (The ) Tj ET Q q 0 0 0 rg BT 485.76 257.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 528.14 257.10 Td (received ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.10 Td (proceeds, ) Tj ET Q q 0 0 0 rg BT 91.88 245.10 Td (after ) Tj ET Q q 0 0 0 rg BT 114.04 245.10 Td (deducting ) Tj ET Q q 0 0 0 rg BT 157.31 245.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 212.81 245.10 Td (discounts, ) Tj ET Q q 0 0 0 rg BT 256.93 245.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 312.99 245.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.27 245.10 Td (related ) Tj ET Q q 0 0 0 rg BT 362.32 245.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 388.66 245.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.83 245.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 462.43 245.10 Td ($120.8 ) Tj ET Q q 0 0 0 rg BT 493.77 245.10 Td (million ) Tj ET Q q 0 0 0 rg BT 526.50 245.10 Td (from ) Tj ET Q q 0 0 0 rg BT 549.78 245.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.10 Td (issuance, ) Tj ET Q q 0 0 0 rg BT 88.88 233.10 Td (which ) Tj ET Q q 0 0 0 rg BT 115.82 233.10 Td (were ) Tj ET Q q 0 0 0 rg BT 137.74 233.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 174.68 233.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.96 233.10 Td (be ) Tj ET Q q 0 0 0 rg BT 196.89 233.10 Td (used ) Tj ET Q q 0 0 0 rg BT 217.72 233.10 Td (for ) Tj ET Q q 0 0 0 rg BT 231.88 233.10 Td (general ) Tj ET Q q 0 0 0 rg BT 263.81 233.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 304.06 233.10 Td (purposes.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 209.10 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 87.49 209.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.77 209.10 Td (Subor) Tj ET Q q 0 0 0 rg BT 121.29 209.10 Td (dinated ) Tj ET Q q 0 0 0 rg BT 153.78 209.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 179.06 209.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 198.22 209.10 Td (2024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.10 Td (On ) Tj ET Q q 0 0 0 rg BT 63.75 185.10 Td (June ) Tj ET Q q 0 0 0 rg BT 83.62 185.10 Td (13, ) Tj ET Q q 0 0 0 rg BT 97.65 185.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 121.68 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.43 185.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 175.85 185.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 219.03 185.10 Td (a ) Tj ET Q q 0 0 0 rg BT 225.00 185.10 Td (public ) Tj ET Q q 0 0 0 rg BT 251.53 185.10 Td (of) Tj ET Q q 0 0 0 rg BT 259.68 185.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 285.09 185.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.95 185.10 Td ($140,000,000 ) Tj ET Q q 0 0 0 rg BT 351.48 185.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 391.88 185.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 428.95 185.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 460.48 185.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.34 185.10 Td (its ) Tj ET Q q 0 0 0 rg BT 481.32 185.10 Td (5.00% ) Tj ET Q q 0 0 0 rg BT 508.68 185.10 Td (Subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 76.73 173.10 Td (due ) Tj ET Q q 0 0 0 rg BT 94.58 173.10 Td (2024. ) Tj ET Q q 0 0 0 rg BT 120.23 173.10 Td (The ) Tj ET Q q 0 0 0 rg BT 139.18 173.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 181.47 173.10 Td (received ) Tj ET Q q 0 0 0 rg BT 218.74 173.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 257.68 173.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 280.52 173.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.70 173.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 331.20 173.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.94 173.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 404.10 173.10 Td ($139.1 ) Tj ET Q q 0 0 0 rg BT 435.00 173.10 Td (million ) Tj ET Q q 0 0 0 rg BT 467.30 173.10 Td (from ) Tj ET Q q 0 0 0 rg BT 490.14 173.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.76 173.10 Td (of) Tj ET Q q 0 0 0 rg BT 513.91 173.10 Td (fering, ) Tj ET Q q 0 0 0 rg BT 543.69 173.10 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 161.10 Td (deducting ) Tj ET Q q 0 0 0 rg BT 92.26 161.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 146.74 161.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 187.35 161.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.61 161.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 259.66 161.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.93 161.10 Td (before ) Tj ET Q q 0 0 0 rg BT 305.29 161.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 346.72 161.10 Td (which ) Tj ET Q q 0 0 0 rg BT 373.98 161.10 Td (were ) Tj ET Q q 0 0 0 rg BT 396.24 161.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 433.50 161.10 Td (to ) Tj ET Q q 0 0 0 rg BT 444.10 161.10 Td (be ) Tj ET Q q 0 0 0 rg BT 456.36 161.10 Td (used ) Tj ET Q q 0 0 0 rg BT 477.52 161.10 Td (for ) Tj ET Q q 0 0 0 rg BT 492.01 161.10 Td (general ) Tj ET Q q 0 0 0 rg BT 524.26 161.10 Td (corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 149.10 Td (purposes.) Tj ET Q endstream endobj 111 0 obj <> endobj 112 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (55) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (SUMMAR) Tj ET Q q 0 0 0 rg BT 95.75 742.25 Td (Y) Tj ET Q q 0 0 0 rg BT 102.60 742.25 Td ( OF) Tj ET Q q 0 0 0 rg BT 118.62 742.25 Td ( CRITICAL) Tj ET Q q 0 0 0 rg BT 170.58 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 172.52 742.25 Td (ACCOUNTING POLICIES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.92 721.25 Td (Company) Tj ET Q q 0 0 0 rg BT 110.59 721.25 Td (s ) Tj ET Q q 0 0 0 rg BT 117.85 721.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 174.00 721.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 214.58 721.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 261.84 721.25 Td (are ) Tj ET Q q 0 0 0 rg BT 277.42 721.25 Td (prepared ) Tj ET Q q 0 0 0 rg BT 315.77 721.25 Td (in ) Tj ET Q q 0 0 0 rg BT 326.92 721.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 375.26 721.25 Td (with ) Tj ET Q q 0 0 0 rg BT 396.41 721.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 436.99 721.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 475.33 721.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 522.58 721.25 Td (principles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (\("GAAP"\) ) Tj ET Q q 0 0 0 rg BT 93.37 709.25 Td (in ) Tj ET Q q 0 0 0 rg BT 102.47 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 116.01 709.25 Td (United ) Tj ET Q q 0 0 0 rg BT 144.54 709.25 Td (States ) Tj ET Q q 0 0 0 rg BT 169.75 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.51 709.25 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 227.37 709.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 264.22 709.25 Td (of ) Tj ET Q q 0 0 0 rg BT 273.87 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.41 709.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 320.94 709.25 Td (industry) Tj ET Q q 0 0 0 rg BT 353.07 709.25 Td (. ) Tj ET Q q 0 0 0 rg BT 356.60 709.25 Td (Application ) Tj ET Q q 0 0 0 rg BT 405.13 709.25 Td (of ) Tj ET Q q 0 0 0 rg BT 414.78 709.25 Td (these ) Tj ET Q q 0 0 0 rg BT 436.65 709.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 477.40 709.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 510.93 709.25 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.77 697.25 Td (make ) Tj ET Q q 0 0 0 rg BT 85.42 697.25 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 128.13 697.25 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 183.07 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.50 697.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 245.16 697.25 Td (that ) Tj ET Q q 0 0 0 rg BT 263.14 697.25 Td (af) Tj ET Q q 0 0 0 rg BT 270.73 697.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 288.71 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 303.92 697.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 340.80 697.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 377.11 697.25 Td (in ) Tj ET Q q 0 0 0 rg BT 387.88 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.09 697.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 441.06 697.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 486.27 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 503.70 697.25 Td (accompanying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (notes. ) Tj ET Q q 0 0 0 rg BT 77.10 685.25 Td (Certain ) Tj ET Q q 0 0 0 rg BT 110.03 685.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 144.63 685.25 Td (and ) Tj ET Q q 0 0 0 rg BT 162.56 685.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 209.92 685.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 252.85 685.25 Td (inherently ) Tj ET Q q 0 0 0 rg BT 296.89 685.25 Td (have ) Tj ET Q q 0 0 0 rg BT 319.26 685.25 Td (a ) Tj ET Q q 0 0 0 rg BT 327.19 685.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 358.44 685.25 Td (reliance ) Tj ET Q q 0 0 0 rg BT 393.57 685.25 Td (on ) Tj ET Q q 0 0 0 rg BT 407.07 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 422.78 685.25 Td (use ) Tj ET Q q 0 0 0 rg BT 439.60 685.25 Td (of ) Tj ET Q q 0 0 0 rg BT 451.42 685.25 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 494.63 685.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 547.57 685.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (judgments, ) Tj ET Q q 0 0 0 rg BT 96.46 673.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.19 673.25 Td (as ) Tj ET Q q 0 0 0 rg BT 123.82 673.25 Td (such ) Tj ET Q q 0 0 0 rg BT 144.44 673.25 Td (have ) Tj ET Q q 0 0 0 rg BT 165.61 673.25 Td (a ) Tj ET Q q 0 0 0 rg BT 172.34 673.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 202.39 673.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 246.36 673.25 Td (that ) Tj ET Q q 0 0 0 rg BT 263.65 673.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 298.15 673.25 Td (in ) Tj ET Q q 0 0 0 rg BT 308.22 673.25 Td (those ) Tj ET Q q 0 0 0 rg BT 331.62 673.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 371.13 673.25 Td (and ) Tj ET Q q 0 0 0 rg BT 387.86 673.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 439.60 673.25 Td (could ) Tj ET Q q 0 0 0 rg BT 464.12 673.25 Td (produce ) Tj ET Q q 0 0 0 rg BT 498.62 673.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 535.89 673.25 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (that ) Tj ET Q q 0 0 0 rg BT 66.46 661.25 Td (are ) Tj ET Q q 0 0 0 rg BT 80.13 661.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 122.14 661.25 Td (dif) Tj ET Q q 0 0 0 rg BT 133.07 661.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 157.85 661.25 Td (than ) Tj ET Q q 0 0 0 rg BT 176.53 661.25 Td (originally ) Tj ET Q q 0 0 0 rg BT 216.88 661.25 Td (reported. ) Tj ET Q q 0 0 0 rg BT 254.16 661.25 Td (Estimates, ) Tj ET Q q 0 0 0 rg BT 297.01 661.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 347.92 661.25 Td (and ) Tj ET Q q 0 0 0 rg BT 363.83 661.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 406.96 661.25 Td (are ) Tj ET Q q 0 0 0 rg BT 420.63 661.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 460.97 661.25 Td (when ) Tj ET Q q 0 0 0 rg BT 484.09 661.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 508.89 661.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.79 661.25 Td (liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.31 649.25 Td (required ) Tj ET Q q 0 0 0 rg BT 99.72 649.25 Td (to ) Tj ET Q q 0 0 0 rg BT 109.60 649.25 Td (be ) Tj ET Q q 0 0 0 rg BT 121.14 649.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 158.22 649.25 Td (at ) Tj ET Q q 0 0 0 rg BT 167.54 649.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 183.52 649.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 209.77 649.25 Td (when ) Tj ET Q q 0 0 0 rg BT 233.53 649.25 Td (a ) Tj ET Q q 0 0 0 rg BT 240.07 649.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 271.05 649.25 Td (in ) Tj ET Q q 0 0 0 rg BT 280.93 649.25 Td (the ) Tj ET Q q 0 0 0 rg BT 295.24 649.25 Td (value ) Tj ET Q q 0 0 0 rg BT 319.00 649.25 Td (of ) Tj ET Q q 0 0 0 rg BT 329.43 649.25 Td (an ) Tj ET Q q 0 0 0 rg BT 340.97 649.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 362.51 649.25 Td (not ) Tj ET Q q 0 0 0 rg BT 377.39 649.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 407.24 649.25 Td (on ) Tj ET Q q 0 0 0 rg BT 419.35 649.25 Td (the ) Tj ET Q q 0 0 0 rg BT 433.66 649.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 470.75 649.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 515.06 649.25 Td (at ) Tj ET Q q 0 0 0 rg BT 524.38 649.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 649.25 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (warrants ) Tj ET Q q 0 0 0 rg BT 87.80 637.25 Td (an ) Tj ET Q q 0 0 0 rg BT 100.62 637.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 150.09 637.25 Td (write-down ) Tj ET Q q 0 0 0 rg BT 199.56 637.25 Td (or ) Tj ET Q q 0 0 0 rg BT 211.26 637.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 251.85 637.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 284.09 637.25 Td (to ) Tj ET Q q 0 0 0 rg BT 295.24 637.25 Td (be ) Tj ET Q q 0 0 0 rg BT 308.06 637.25 Td (established, ) Tj ET Q q 0 0 0 rg BT 358.36 637.25 Td (or ) Tj ET Q q 0 0 0 rg BT 370.07 637.25 Td (when ) Tj ET Q q 0 0 0 rg BT 395.10 637.25 Td (an ) Tj ET Q q 0 0 0 rg BT 407.92 637.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 430.73 637.25 Td (or ) Tj ET Q q 0 0 0 rg BT 442.43 637.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 476.91 637.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 503.06 637.25 Td (to ) Tj ET Q q 0 0 0 rg BT 514.21 637.25 Td (be ) Tj ET Q q 0 0 0 rg BT 527.02 637.25 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 95.67 625.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 119.12 625.25 Td (a ) Tj ET Q q 0 0 0 rg BT 127.01 625.25 Td (future ) Tj ET Q q 0 0 0 rg BT 154.34 625.25 Td (event, ) Tj ET Q q 0 0 0 rg BT 181.95 625.25 Td (are ) Tj ET Q q 0 0 0 rg BT 197.61 625.25 Td (based ) Tj ET Q q 0 0 0 rg BT 223.83 625.25 Td (on ) Tj ET Q q 0 0 0 rg BT 237.29 625.25 Td (information ) Tj ET Q q 0 0 0 rg BT 287.95 625.25 Td (available ) Tj ET Q q 0 0 0 rg BT 327.50 625.25 Td (as ) Tj ET Q q 0 0 0 rg BT 339.28 625.25 Td (of ) Tj ET Q q 0 0 0 rg BT 351.06 625.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.73 625.25 Td (date ) Tj ET Q q 0 0 0 rg BT 386.84 625.25 Td (of ) Tj ET Q q 0 0 0 rg BT 398.63 625.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.30 625.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 452.73 625.25 Td (statements; ) Tj ET Q q 0 0 0 rg BT 501.17 625.25 Td (accordingly) Tj ET Q q 0 0 0 rg BT 547.73 625.25 Td (, ) Tj ET Q q 0 0 0 rg BT 553.68 625.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (information ) Tj ET Q q 0 0 0 rg BT 99.71 613.25 Td (changes, ) Tj ET Q q 0 0 0 rg BT 136.92 613.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.64 613.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 189.12 613.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 233.83 613.25 Td (could ) Tj ET Q q 0 0 0 rg BT 258.54 613.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 286.58 613.25 Td (dif) Tj ET Q q 0 0 0 rg BT 297.50 613.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 323.32 613.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 363.03 613.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.97 613.25 Td (assumptions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 592.25 Td ( ) Tj ET Q q 0 0 0 rg BT 59.23 592.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 99.00 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 109.88 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.65 592.25 Td (Company) Tj ET Q q 0 0 0 rg BT 166.32 592.25 Td (s ) Tj ET Q q 0 0 0 rg BT 172.77 592.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 217.53 592.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 263.96 592.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 297.62 592.25 Td (is ) Tj ET Q q 0 0 0 rg BT 306.84 592.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 347.71 592.25 Td (in ) Tj ET Q q 0 0 0 rg BT 358.05 592.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 380.04 592.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 387.60 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.93 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 412.70 592.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 468.03 592.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 507.80 592.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 554.24 592.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 71.85 580.25 Td (8. ) Tj ET Q q 0 0 0 rg BT 82.63 580.25 Td (These ) Tj ET Q q 0 0 0 rg BT 110.03 580.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 147.16 580.25 Td (along ) Tj ET Q q 0 0 0 rg BT 172.91 580.25 Td (with ) Tj ET Q q 0 0 0 rg BT 194.21 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 209.96 580.25 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 257.92 580.25 Td (presented ) Tj ET Q q 0 0 0 rg BT 299.77 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 311.07 580.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.82 580.25 Td (other ) Tj ET Q q 0 0 0 rg BT 350.89 580.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 389.40 580.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 431.25 580.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 455.89 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.85 580.25 Td (in ) Tj ET Q q 0 0 0 rg BT 485.16 580.25 Td (this ) Tj ET Q q 0 0 0 rg BT 503.13 580.25 Td (Management) Tj ET Q q 0 0 0 rg BT 558.11 580.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 95.66 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 111.47 568.25 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 148.24 568.25 Td (section, ) Tj ET Q q 0 0 0 rg BT 180.83 568.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 213.14 568.25 Td (information ) Tj ET Q q 0 0 0 rg BT 262.12 568.25 Td (on ) Tj ET Q q 0 0 0 rg BT 273.88 568.25 Td (how ) Tj ET Q q 0 0 0 rg BT 292.87 568.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 336.84 568.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 361.94 568.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.14 568.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 417.13 568.25 Td (are ) Tj ET Q q 0 0 0 rg BT 431.10 568.25 Td (valued ) Tj ET Q q 0 0 0 rg BT 459.52 568.25 Td (in ) Tj ET Q q 0 0 0 rg BT 469.06 568.25 Td (the ) Tj ET Q q 0 0 0 rg BT 483.04 568.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 519.79 568.25 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.89 556.25 Td (how ) Tj ET Q q 0 0 0 rg BT 86.56 556.25 Td (those ) Tj ET Q q 0 0 0 rg BT 110.12 556.25 Td (values ) Tj ET Q q 0 0 0 rg BT 138.12 556.25 Td (are ) Tj ET Q q 0 0 0 rg BT 152.78 556.25 Td (determined. ) Tj ET Q q 0 0 0 rg BT 202.71 556.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 257.36 556.25 Td (views ) Tj ET Q q 0 0 0 rg BT 283.14 556.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 313.35 556.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 359.68 556.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 393.23 556.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.46 556.25 Td (be ) Tj ET Q q 0 0 0 rg BT 415.35 556.25 Td (those ) Tj ET Q q 0 0 0 rg BT 438.91 556.25 Td (which ) Tj ET Q q 0 0 0 rg BT 465.80 556.25 Td (are ) Tj ET Q q 0 0 0 rg BT 480.46 556.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 508.47 556.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 552.01 556.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 92.97 544.25 Td (or ) Tj ET Q q 0 0 0 rg BT 103.72 544.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 140.58 544.25 Td (judgments, ) Tj ET Q q 0 0 0 rg BT 187.17 544.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 226.80 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 243.67 544.25 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 298.04 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 314.90 544.25 Td (where ) Tj ET Q q 0 0 0 rg BT 341.76 544.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 376.39 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 386.59 544.25 Td (those ) Tj ET Q q 0 0 0 rg BT 410.12 544.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 449.76 544.25 Td (and ) Tj ET Q q 0 0 0 rg BT 466.62 544.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 518.49 544.25 Td (could ) Tj ET Q q 0 0 0 rg BT 543.13 544.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (a ) Tj ET Q q 0 0 0 rg BT 59.27 532.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 106.31 532.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 138.35 532.25 Td (on ) Tj ET Q q 0 0 0 rg BT 153.18 532.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.22 532.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 210.03 532.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 259.58 532.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 316.61 532.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 357.53 532.25 Td (views ) Tj ET Q q 0 0 0 rg BT 385.69 532.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 418.28 532.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 466.98 532.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 502.91 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 515.52 532.25 Td (include ) Tj ET Q q 0 0 0 rg BT 549.78 532.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (determination ) Tj ET Q q 0 0 0 rg BT 107.87 520.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.52 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.07 520.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 175.93 520.25 Td (for ) Tj ET Q q 0 0 0 rg BT 189.92 520.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 209.46 520.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 238.18 520.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 281.04 520.25 Td (for ) Tj ET Q q 0 0 0 rg BT 295.03 520.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 329.00 520.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 348.55 520.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 374.77 520.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.54 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 406.08 520.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 448.94 520.25 Td (for ) Tj ET Q q 0 0 0 rg BT 462.93 520.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 489.15 520.25 Td (on ) Tj ET Q q 0 0 0 rg BT 501.48 520.25 Td (lending-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 108.44 508.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 131.06 508.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 166.99 508.25 Td (with ) Tj ET Q q 0 0 0 rg BT 186.27 508.25 Td (evidence ) Tj ET Q q 0 0 0 rg BT 223.31 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.15 508.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 257.42 508.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 286.70 508.25 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 339.29 508.25 Td (since ) Tj ET Q q 0 0 0 rg BT 361.35 508.25 Td (origination, ) Tj ET Q q 0 0 0 rg BT 409.24 508.25 Td (estimations ) Tj ET Q q 0 0 0 rg BT 456.29 508.25 Td (of ) Tj ET Q q 0 0 0 rg BT 466.13 508.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 481.51 508.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 507.18 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 520.90 508.25 Td (valuations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (required ) Tj ET Q q 0 0 0 rg BT 86.66 496.25 Td (for ) Tj ET Q q 0 0 0 rg BT 101.67 496.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 151.11 496.25 Td (testing ) Tj ET Q q 0 0 0 rg BT 181.12 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 192.79 496.25 Td (goodwill, ) Tj ET Q q 0 0 0 rg BT 234.19 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.76 496.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 290.31 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 308.10 496.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 355.31 496.25 Td (for ) Tj ET Q q 0 0 0 rg BT 370.32 496.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 413.64 496.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 463.65 496.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.44 496.25 Td (income ) Tj ET Q q 0 0 0 rg BT 514.21 496.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 538.11 496.25 Td (as ) Tj ET Q q 0 0 0 rg BT 549.78 496.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 96.55 484.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 119.76 484.25 Td (that ) Tj ET Q q 0 0 0 rg BT 137.44 484.25 Td (require ) Tj ET Q q 0 0 0 rg BT 168.43 484.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.32 484.25 Td (most ) Tj ET Q q 0 0 0 rg BT 205.45 484.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 248.67 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 265.78 484.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 302.89 484.25 Td (judgments, ) Tj ET Q q 0 0 0 rg BT 349.74 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 366.85 484.25 Td (as ) Tj ET Q q 0 0 0 rg BT 377.86 484.25 Td (such ) Tj ET Q q 0 0 0 rg BT 398.87 484.25 Td (could ) Tj ET Q q 0 0 0 rg BT 423.76 484.25 Td (be ) Tj ET Q q 0 0 0 rg BT 435.88 484.25 Td (most ) Tj ET Q q 0 0 0 rg BT 458.00 484.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 489.00 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 499.46 484.25 Td (revision ) Tj ET Q q 0 0 0 rg BT 534.35 484.25 Td (as ) Tj ET Q q 0 0 0 rg BT 545.36 484.25 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (information ) Tj ET Q q 0 0 0 rg BT 99.71 472.25 Td (becomes ) Tj ET Q q 0 0 0 rg BT 137.20 472.25 Td (available.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 451.25 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 94.71 451.25 Td (for ) Tj ET Q q 0 0 0 rg BT 108.88 451.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 131.94 451.25 Td (Losses, ) Tj ET Q q 0 0 0 rg BT 163.44 451.25 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 208.15 451.25 Td (for ) Tj ET Q q 0 0 0 rg BT 222.32 451.25 Td (Cover) Tj ET Q q 0 0 0 rg BT 246.39 451.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 258.33 451.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 281.39 451.25 Td (Losses ) Tj ET Q q 0 0 0 rg BT 310.56 451.25 Td (and ) Tj ET Q q 0 0 0 rg BT 327.88 451.25 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 372.59 451.25 Td (for ) Tj ET Q q 0 0 0 rg BT 386.76 451.25 Td (Losses ) Tj ET Q q 0 0 0 rg BT 415.94 451.25 Td (on ) Tj ET Q q 0 0 0 rg BT 428.44 451.25 Td (Lending-Related ) Tj ET Q q 0 0 0 rg BT 497.59 451.25 Td (Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.43 430.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 109.84 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 123.38 430.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 142.48 430.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 168.25 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 184.57 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 198.67 430.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 241.09 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 254.63 430.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 288.15 430.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 307.25 430.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 333.03 430.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 371.55 430.25 Td (management) Tj ET Q q 0 0 0 rg BT 425.42 430.25 Td (s ) Tj ET Q q 0 0 0 rg BT 431.19 430.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 466.39 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 476.61 430.25 Td (probable ) Tj ET Q q 0 0 0 rg BT 513.47 430.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 538.12 430.25 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 84.79 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 94.60 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 108.85 418.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 128.09 418.25 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 167.61 418.25 Td (Determining ) Tj ET Q q 0 0 0 rg BT 220.19 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.43 418.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 266.46 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 276.81 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 291.06 418.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 333.62 418.25 Td (for ) Tj ET Q q 0 0 0 rg BT 347.31 418.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 366.56 418.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 392.48 418.25 Td (is ) Tj ET Q q 0 0 0 rg BT 401.17 418.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 446.52 418.25 Td (a ) Tj ET Q q 0 0 0 rg BT 452.99 418.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 482.77 418.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 528.67 418.25 Td (estimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (because ) Tj ET Q q 0 0 0 rg BT 84.09 406.25 Td (it ) Tj ET Q q 0 0 0 rg BT 92.09 406.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 126.74 406.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 171.39 406.25 Td (judgment ) Tj ET Q q 0 0 0 rg BT 211.61 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.49 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.15 406.25 Td (use ) Tj ET Q q 0 0 0 rg BT 258.92 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.70 406.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 309.35 406.25 Td (related ) Tj ET Q q 0 0 0 rg BT 339.00 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 349.22 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 363.88 406.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 380.20 406.25 Td (value ) Tj ET Q q 0 0 0 rg BT 404.29 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 415.07 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 429.73 406.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 475.50 406.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 515.14 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.02 406.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.85 394.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 95.37 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.10 394.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 144.04 394.25 Td (future ) Tj ET Q q 0 0 0 rg BT 170.33 394.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 190.50 394.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 215.13 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 227.54 394.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 265.49 394.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 291.50 394.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 332.23 394.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 358.53 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 370.94 394.25 Td (pools ) Tj ET Q q 0 0 0 rg BT 395.01 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 405.75 394.25 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 463.71 394.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 487.22 394.25 Td (based ) Tj ET Q q 0 0 0 rg BT 512.40 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 524.80 394.25 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 68.12 382.25 Td (experience, ) Tj ET Q q 0 0 0 rg BT 116.49 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 133.49 382.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 189.92 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 200.82 382.25 Td (current ) Tj ET Q q 0 0 0 rg BT 231.69 382.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 273.13 382.25 Td (trends ) Tj ET Q q 0 0 0 rg BT 300.13 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 317.13 382.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 363.86 382.25 Td (all ) Tj ET Q q 0 0 0 rg BT 376.42 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 387.31 382.25 Td (which ) Tj ET Q q 0 0 0 rg BT 414.31 382.25 Td (are ) Tj ET Q q 0 0 0 rg BT 429.08 382.25 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 476.07 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 486.42 382.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 531.19 382.25 Td (change. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (The ) Tj ET Q q 0 0 0 rg BT 66.95 370.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 85.57 370.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 121.96 370.25 Td (also ) Tj ET Q q 0 0 0 rg BT 139.47 370.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 181.41 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.03 370.25 Td (lar) Tj ET Q q 0 0 0 rg BT 205.40 370.25 Td (gest ) Tj ET Q q 0 0 0 rg BT 222.91 370.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 243.75 370.25 Td (type ) Tj ET Q q 0 0 0 rg BT 262.36 370.25 Td (on ) Tj ET Q q 0 0 0 rg BT 273.76 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.38 370.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 339.33 370.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 371.26 370.25 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 395.61 370.25 Td (The ) Tj ET Q q 0 0 0 rg BT 412.56 370.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 452.84 370.25 Td (also ) Tj ET Q q 0 0 0 rg BT 470.35 370.25 Td (maintains ) Tj ET Q q 0 0 0 rg BT 510.64 370.25 Td (an ) Tj ET Q q 0 0 0 rg BT 521.48 370.25 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.03 358.25 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 126.92 358.25 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 186.23 358.25 Td (specifically ) Tj ET Q q 0 0 0 rg BT 234.68 358.25 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 274.82 358.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 294.40 358.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 351.21 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 368.01 358.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 394.82 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 405.51 358.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 433.14 358.25 Td (which ) Tj ET Q q 0 0 0 rg BT 459.95 358.25 Td (relates ) Tj ET Q q 0 0 0 rg BT 488.41 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 498.56 358.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 528.13 358.25 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.21 346.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.10 346.25 Td (is ) Tj ET Q q 0 0 0 rg BT 116.76 346.25 Td (committed ) Tj ET Q q 0 0 0 rg BT 162.53 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 173.31 346.25 Td (lend ) Tj ET Q q 0 0 0 rg BT 193.52 346.25 Td (but ) Tj ET Q q 0 0 0 rg BT 209.29 346.25 Td (for ) Tj ET Q q 0 0 0 rg BT 223.95 346.25 Td (which ) Tj ET Q q 0 0 0 rg BT 251.39 346.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 276.61 346.25 Td (have ) Tj ET Q q 0 0 0 rg BT 298.48 346.25 Td (not ) Tj ET Q q 0 0 0 rg BT 314.26 346.25 Td (yet ) Tj ET Q q 0 0 0 rg BT 329.47 346.25 Td (been ) Tj ET Q q 0 0 0 rg BT 351.34 346.25 Td (disbursed. ) Tj ET Q q 0 0 0 rg BT 395.17 346.25 Td (See ) Tj ET Q q 0 0 0 rg BT 412.61 346.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 435.04 346.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 443.04 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 453.81 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.03 346.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 524.80 346.25 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 96.02 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 105.94 334.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 126.40 334.25 Td (8 ) Tj ET Q q 0 0 0 rg BT 133.54 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.12 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.47 334.25 Td (section ) Tj ET Q q 0 0 0 rg BT 194.94 334.25 Td (titled ) Tj ET Q q 0 0 0 rg BT 217.63 334.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 244.75 334.25 Td (Portfolio ) Tj ET Q q 0 0 0 rg BT 282.45 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 298.55 334.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 322.91 334.25 Td (Quality ) Tj ET Q q 0 0 0 rg BT 359.48 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 369.40 334.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 389.86 334.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 397.00 334.25 Td (for ) Tj ET Q q 0 0 0 rg BT 410.80 334.25 Td (a ) Tj ET Q q 0 0 0 rg BT 417.38 334.25 Td (description ) Tj ET Q q 0 0 0 rg BT 463.95 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.42 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 488.78 334.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 543.69 334.25 Td (used ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.84 322.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 101.87 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 116.15 322.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 158.74 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 172.45 322.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 191.73 322.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 220.18 322.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 262.77 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 276.48 322.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 310.19 322.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 329.46 322.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 355.41 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 371.90 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.18 322.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 428.77 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 442.48 322.25 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 505.07 322.25 Td (commitments.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 301.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.77 301.25 Td (Acquir) Tj ET Q q 0 0 0 rg BT 103.62 301.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 115.56 301.25 Td (with ) Tj ET Q q 0 0 0 rg BT 135.28 301.25 Td (Evidence ) Tj ET Q q 0 0 0 rg BT 174.42 301.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.70 301.25 Td (Cr) Tj ET Q q 0 0 0 rg BT 194.89 301.25 Td (edit ) Tj ET Q q 0 0 0 rg BT 212.39 301.25 Td (Quality ) Tj ET Q q 0 0 0 rg BT 244.88 301.25 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 302.38 301.25 Td (since ) Tj ET Q q 0 0 0 rg BT 325.42 301.25 Td (Origination) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 77.12 280.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 123.13 280.25 Td (guidance ) Tj ET Q q 0 0 0 rg BT 161.36 280.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 204.58 280.25 Td (to ) Tj ET Q q 0 0 0 rg BT 214.49 280.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 280.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 274.29 280.25 Td (with ) Tj ET Q q 0 0 0 rg BT 294.20 280.25 Td (evidence ) Tj ET Q q 0 0 0 rg BT 331.87 280.25 Td (of ) Tj ET Q q 0 0 0 rg BT 342.33 280.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 367.23 280.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 397.14 280.25 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 450.36 280.25 Td (since ) Tj ET Q q 0 0 0 rg BT 473.04 280.25 Td (origination, ) Tj ET Q q 0 0 0 rg BT 521.56 280.25 Td (the ) Tj ET Q q 0 0 0 rg BT 535.91 280.25 Td (excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.32 268.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 80.09 268.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 104.30 268.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 141.83 268.25 Td (at ) Tj ET Q q 0 0 0 rg BT 151.04 268.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 196.92 268.25 Td (over ) Tj ET Q q 0 0 0 rg BT 216.68 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.89 268.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 271.21 268.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 287.08 268.25 Td (value ) Tj ET Q q 0 0 0 rg BT 310.73 268.25 Td (is ) Tj ET Q q 0 0 0 rg BT 319.39 268.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 353.02 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 362.80 268.25 Td (as ) Tj ET Q q 0 0 0 rg BT 373.12 268.25 Td (the ) Tj ET Q q 0 0 0 rg BT 387.33 268.25 Td (accretable ) Tj ET Q q 0 0 0 rg BT 429.85 268.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 451.84 268.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.27 268.25 Td (is ) Tj ET Q q 0 0 0 rg BT 476.93 268.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 522.79 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 532.56 268.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (income ) Tj ET Q q 0 0 0 rg BT 82.00 256.25 Td (over ) Tj ET Q q 0 0 0 rg BT 102.34 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 117.12 256.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 160.23 256.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 201.12 256.25 Td (life ) Tj ET Q q 0 0 0 rg BT 217.02 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.92 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 242.70 256.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 268.88 256.25 Td (using ) Tj ET Q q 0 0 0 rg BT 293.12 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.90 256.25 Td (ef) Tj ET Q q 0 0 0 rg BT 315.49 256.25 Td (fective-interest ) Tj ET Q q 0 0 0 rg BT 378.02 256.25 Td (method. ) Tj ET Q q 0 0 0 rg BT 412.90 256.25 Td (The ) Tj ET Q q 0 0 0 rg BT 431.02 256.25 Td (dif) Tj ET Q q 0 0 0 rg BT 441.94 256.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 473.93 256.25 Td (between ) Tj ET Q q 0 0 0 rg BT 509.81 256.25 Td (contractually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (required ) Tj ET Q q 0 0 0 rg BT 86.50 244.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 128.01 244.25 Td (at ) Tj ET Q q 0 0 0 rg BT 138.42 244.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 185.48 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 203.11 244.25 Td (the ) Tj ET Q q 0 0 0 rg BT 218.51 244.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 239.47 244.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 264.87 244.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 303.59 244.25 Td (to ) Tj ET Q q 0 0 0 rg BT 314.56 244.25 Td (be ) Tj ET Q q 0 0 0 rg BT 327.18 244.25 Td (collected ) Tj ET Q q 0 0 0 rg BT 366.46 244.25 Td (at ) Tj ET Q q 0 0 0 rg BT 376.86 244.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 423.93 244.25 Td (is ) Tj ET Q q 0 0 0 rg BT 433.78 244.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 468.60 244.25 Td (to ) Tj ET Q q 0 0 0 rg BT 479.57 244.25 Td (as ) Tj ET Q q 0 0 0 rg BT 491.08 244.25 Td (the ) Tj ET Q q 0 0 0 rg BT 506.49 244.25 Td (nonaccretable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 232.25 Td (ference. ) Tj ET Q q 0 0 0 rg BT 95.59 232.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 132.77 232.25 Td (in ) Tj ET Q q 0 0 0 rg BT 143.30 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.26 232.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 196.54 232.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 217.05 232.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 242.02 232.25 Td (from ) Tj ET Q q 0 0 0 rg BT 264.20 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 279.16 232.25 Td (date ) Tj ET Q q 0 0 0 rg BT 298.56 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 309.64 232.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 356.27 232.25 Td (will ) Tj ET Q q 0 0 0 rg BT 374.57 232.25 Td (either ) Tj ET Q q 0 0 0 rg BT 400.08 232.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 430.04 232.25 Td (the ) Tj ET Q q 0 0 0 rg BT 445.00 232.25 Td (accretable ) Tj ET Q q 0 0 0 rg BT 488.26 232.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 511.00 232.25 Td (or ) Tj ET Q q 0 0 0 rg BT 522.08 232.25 Td (result ) Tj ET Q q 0 0 0 rg BT 547.04 232.25 Td (in ) Tj ET Q q 0 0 0 rg BT 557.56 232.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.25 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 220.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 78.55 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 88.41 220.25 Td (the ) Tj ET Q q 0 0 0 rg BT 102.71 220.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 142.57 220.25 Td (for ) Tj ET Q q 0 0 0 rg BT 156.32 220.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 181.17 220.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 209.64 220.25 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 257.83 220.25 Td (decreases ) Tj ET Q q 0 0 0 rg BT 298.22 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 308.09 220.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 345.70 220.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 383.33 220.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 403.18 220.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 427.49 220.25 Td (will ) Tj ET Q q 0 0 0 rg BT 445.13 220.25 Td (result ) Tj ET Q q 0 0 0 rg BT 469.43 220.25 Td (in ) Tj ET Q q 0 0 0 rg BT 479.29 220.25 Td (a ) Tj ET Q q 0 0 0 rg BT 485.81 220.25 Td (char) Tj ET Q q 0 0 0 rg BT 502.84 220.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 514.36 220.25 Td (to ) Tj ET Q q 0 0 0 rg BT 524.22 220.25 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.86 208.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 88.83 208.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 114.93 208.25 Td (and ) Tj ET Q q 0 0 0 rg BT 131.57 208.25 Td (a ) Tj ET Q q 0 0 0 rg BT 138.22 208.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 197.63 208.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 232.59 208.25 Td (to ) Tj ET Q q 0 0 0 rg BT 242.57 208.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 285.31 208.25 Td (for ) Tj ET Q q 0 0 0 rg BT 299.17 208.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 318.59 208.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 347.19 208.25 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 395.50 208.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 434.35 208.25 Td (in ) Tj ET Q q 0 0 0 rg BT 444.33 208.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 482.07 208.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 519.82 208.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 539.79 208.25 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (will ) Tj ET Q q 0 0 0 rg BT 68.13 196.25 Td (result ) Tj ET Q q 0 0 0 rg BT 92.92 196.25 Td (in ) Tj ET Q q 0 0 0 rg BT 103.26 196.25 Td (recovery ) Tj ET Q q 0 0 0 rg BT 140.81 196.25 Td (of ) Tj ET Q q 0 0 0 rg BT 151.71 196.25 Td (any ) Tj ET Q q 0 0 0 rg BT 168.72 196.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 213.51 196.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 251.05 196.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 294.16 196.25 Td (for ) Tj ET Q q 0 0 0 rg BT 308.39 196.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 328.18 196.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 357.14 196.25 Td (to ) Tj ET Q q 0 0 0 rg BT 367.49 196.25 Td (the ) Tj ET Q q 0 0 0 rg BT 382.28 196.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 409.28 196.25 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 455.44 196.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.45 196.25 Td (a ) Tj ET Q q 0 0 0 rg BT 479.46 196.25 Td (reclassification ) Tj ET Q q 0 0 0 rg BT 542.56 196.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.25 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 107.65 184.25 Td (dif) Tj ET Q q 0 0 0 rg BT 118.58 184.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 150.12 184.25 Td (to ) Tj ET Q q 0 0 0 rg BT 160.03 184.25 Td (accretable ) Tj ET Q q 0 0 0 rg BT 202.68 184.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 224.80 184.25 Td (for ) Tj ET Q q 0 0 0 rg BT 238.59 184.25 Td (any ) Tj ET Q q 0 0 0 rg BT 255.16 184.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 297.83 184.25 Td (increase. ) Tj ET Q q 0 0 0 rg BT 334.75 184.25 Td (All ) Tj ET Q q 0 0 0 rg BT 349.66 184.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 383.99 184.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.90 184.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 431.57 184.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 463.13 184.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 483.03 184.25 Td (flows, ) Tj ET Q q 0 0 0 rg BT 509.88 184.25 Td (including ) Tj ET Q q 0 0 0 rg BT 549.78 184.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.71 172.25 Td (of ) Tj ET Q q 0 0 0 rg BT 90.54 172.25 Td (prepayments, ) Tj ET Q q 0 0 0 rg BT 146.64 172.25 Td (will ) Tj ET Q q 0 0 0 rg BT 164.69 172.25 Td (result ) Tj ET Q q 0 0 0 rg BT 189.41 172.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.69 172.25 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 266.61 172.25 Td (to/from ) Tj ET Q q 0 0 0 rg BT 299.10 172.25 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 357.12 172.25 Td (dif) Tj ET Q q 0 0 0 rg BT 368.05 172.25 Td (ferences.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 151.25 Td (Estimations ) Tj ET Q q 0 0 0 rg BT 99.73 151.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.00 151.25 Td (Fair ) Tj ET Q q 0 0 0 rg BT 130.28 151.25 Td (V) Tj ET Q q 0 0 0 rg BT 135.28 151.25 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 130.25 Td ( ) Tj ET Q q 0 0 0 rg BT 58.32 130.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 88.85 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 98.83 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 112.70 130.25 Td (Company) Tj ET Q q 0 0 0 rg BT 154.36 130.25 Td (s ) Tj ET Q q 0 0 0 rg BT 159.90 130.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 184.88 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.96 130.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 239.83 130.25 Td (are ) Tj ET Q q 0 0 0 rg BT 253.68 130.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 283.09 130.25 Td (at ) Tj ET Q q 0 0 0 rg BT 291.95 130.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 307.48 130.25 Td (value ) Tj ET Q q 0 0 0 rg BT 330.78 130.25 Td (on ) Tj ET Q q 0 0 0 rg BT 342.43 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 356.29 130.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 410.71 130.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 456.24 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 466.22 130.25 Td (Condition, ) Tj ET Q q 0 0 0 rg BT 510.37 130.25 Td (with ) Tj ET Q q 0 0 0 rg BT 529.80 130.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (in ) Tj ET Q q 0 0 0 rg BT 59.79 118.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 75.68 118.25 Td (value ) Tj ET Q q 0 0 0 rg BT 99.35 118.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 136.34 118.25 Td (either ) Tj ET Q q 0 0 0 rg BT 161.12 118.25 Td (through ) Tj ET Q q 0 0 0 rg BT 194.24 118.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 230.13 118.25 Td (or ) Tj ET Q q 0 0 0 rg BT 240.47 118.25 Td (other ) Tj ET Q q 0 0 0 rg BT 263.03 118.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 325.58 118.25 Td (income ) Tj ET Q q 0 0 0 rg BT 357.02 118.25 Td (in ) Tj ET Q q 0 0 0 rg BT 366.81 118.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 413.79 118.25 Td (with ) Tj ET Q q 0 0 0 rg BT 433.58 118.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 476.68 118.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 522.57 118.25 Td (principles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 90.47 106.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 128.70 106.25 Td (in ) Tj ET Q q 0 0 0 rg BT 139.74 106.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.22 106.25 Td (United ) Tj ET Q q 0 0 0 rg BT 185.70 106.25 Td (States. ) Tj ET Q q 0 0 0 rg BT 215.11 106.25 Td (These ) Tj ET Q q 0 0 0 rg BT 242.25 106.25 Td (include ) Tj ET Q q 0 0 0 rg BT 274.95 106.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.43 106.25 Td (Company) Tj ET Q q 0 0 0 rg BT 332.10 106.25 Td (s ) Tj ET Q q 0 0 0 rg BT 339.25 106.25 Td (trading ) Tj ET Q q 0 0 0 rg BT 370.84 106.25 Td (account ) Tj ET Q q 0 0 0 rg BT 405.20 106.25 Td (securities, ) Tj ET Q q 0 0 0 rg BT 448.72 106.25 Td (available-for) Tj ET Q q 0 0 0 rg BT 499.60 106.25 Td (-sale ) Tj ET Q q 0 0 0 rg BT 521.74 106.25 Td (securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 99.03 94.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 139.46 94.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 163.23 94.25 Td (held-for) Tj ET Q q 0 0 0 rg BT 195.23 94.25 Td (-sale ) Tj ET Q q 0 0 0 rg BT 216.77 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.87 94.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 274.30 94.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 313.61 94.25 Td (rights. ) Tj ET Q q 0 0 0 rg BT 341.36 94.25 Td (The ) Tj ET Q q 0 0 0 rg BT 359.57 94.25 Td (determination ) Tj ET Q q 0 0 0 rg BT 417.77 94.25 Td (of ) Tj ET Q q 0 0 0 rg BT 428.76 94.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 445.30 94.25 Td (value ) Tj ET Q q 0 0 0 rg BT 469.61 94.25 Td (is ) Tj ET Q q 0 0 0 rg BT 478.94 94.25 Td (important ) Tj ET Q q 0 0 0 rg BT 520.49 94.25 Td (for ) Tj ET Q q 0 0 0 rg BT 534.81 94.25 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (other ) Tj ET Q q 0 0 0 rg BT 73.96 82.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 103.20 82.25 Td (including ) Tj ET Q q 0 0 0 rg BT 144.38 82.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 183.35 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 201.20 82.25 Td (other ) Tj ET Q q 0 0 0 rg BT 225.16 82.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 268.56 82.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 297.80 82.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 336.75 82.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 363.77 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.62 82.25 Td (other ) Tj ET Q q 0 0 0 rg BT 405.58 82.25 Td (real ) Tj ET Q q 0 0 0 rg BT 423.97 82.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 450.15 82.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 480.22 82.25 Td (that ) Tj ET Q q 0 0 0 rg BT 498.62 82.25 Td (are ) Tj ET Q q 0 0 0 rg BT 514.24 82.25 Td (periodically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 90.81 70.25 Td (for ) Tj ET Q q 0 0 0 rg BT 104.97 70.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 153.57 70.25 Td (using ) Tj ET Q q 0 0 0 rg BT 177.74 70.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 194.12 70.25 Td (value ) Tj ET Q q 0 0 0 rg BT 218.27 70.25 Td (estimates.) Tj ET Q endstream endobj 113 0 obj <> endobj 114 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (56) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 68.86 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 93.26 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 102.69 742.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 142.64 742.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 175.37 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 186.45 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.42 742.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 234.17 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 244.13 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 271.32 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 283.51 742.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 305.70 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 316.78 742.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 350.64 742.10 Td (could ) Tj ET Q q 0 0 0 rg BT 375.61 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 387.80 742.10 Td (exchanged ) Tj ET Q q 0 0 0 rg BT 433.30 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.83 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 451.02 742.10 Td (current ) Tj ET Q q 0 0 0 rg BT 482.08 742.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 528.71 742.10 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (willing, ) Tj ET Q q 0 0 0 rg BT 82.75 730.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 121.87 730.10 Td (parties, ) Tj ET Q q 0 0 0 rg BT 152.95 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 175.41 730.10 Td (than ) Tj ET Q q 0 0 0 rg BT 194.55 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 204.24 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 210.60 730.10 Td (forced ) Tj ET Q q 0 0 0 rg BT 238.05 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 248.30 730.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 293.55 730.10 Td (sale. ) Tj ET Q q 0 0 0 rg BT 313.51 730.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 331.54 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 355.11 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 363.70 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 388.39 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 400.31 730.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 429.44 730.10 Td (market ) Tj ET Q q 0 0 0 rg BT 459.12 730.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 484.92 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.61 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 505.97 730.10 Td (active ) Tj ET Q q 0 0 0 rg BT 531.76 730.10 Td (market, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 59.89 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 67.56 718.10 Td (market ) Tj ET Q q 0 0 0 rg BT 96.88 718.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 122.32 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 136.09 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 150.42 718.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 190.57 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 198.80 718.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 238.68 718.10 Td (using ) Tj ET Q q 0 0 0 rg BT 261.91 718.10 Td (models ) Tj ET Q q 0 0 0 rg BT 292.36 718.10 Td (employing ) Tj ET Q q 0 0 0 rg BT 336.69 718.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 381.02 718.10 Td (such ) Tj ET Q q 0 0 0 rg BT 400.91 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 410.80 718.10 Td (matrix ) Tj ET Q q 0 0 0 rg BT 438.46 718.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 468.35 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 478.24 718.10 Td (discounting ) Tj ET Q q 0 0 0 rg BT 526.46 718.10 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 72.26 706.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 101.15 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 121.19 706.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 167.89 706.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 221.83 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 244.65 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 256.92 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.63 706.10 Td (models, ) Tj ET Q q 0 0 0 rg BT 309.51 706.10 Td (which ) Tj ET Q q 0 0 0 rg BT 338.44 706.10 Td (include ) Tj ET Q q 0 0 0 rg BT 372.36 706.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 426.30 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 442.45 706.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 476.38 706.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 502.24 706.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 540.62 706.10 Td (rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 102.69 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.73 694.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 143.09 694.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 171.08 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 184.89 694.10 Td (independently ) Tj ET Q q 0 0 0 rg BT 243.14 694.10 Td (verified ) Tj ET Q q 0 0 0 rg BT 275.83 694.10 Td (against ) Tj ET Q q 0 0 0 rg BT 305.76 694.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 350.67 694.10 Td (market ) Tj ET Q q 0 0 0 rg BT 380.03 694.10 Td (data ) Tj ET Q q 0 0 0 rg BT 398.29 694.10 Td (where ) Tj ET Q q 0 0 0 rg BT 424.32 694.10 Td (possible. ) Tj ET Q q 0 0 0 rg BT 461.08 694.10 Td (Where ) Tj ET Q q 0 0 0 rg BT 489.32 694.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 534.24 694.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (data ) Tj ET Q q 0 0 0 rg BT 67.99 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 75.99 682.10 Td (not ) Tj ET Q q 0 0 0 rg BT 90.11 682.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 130.03 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.58 682.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 178.24 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.90 682.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 203.11 682.10 Td (value ) Tj ET Q q 0 0 0 rg BT 226.10 682.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 262.42 682.10 Td (more ) Tj ET Q q 0 0 0 rg BT 284.30 682.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 326.18 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.95 682.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 377.17 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 382.95 682.10 Td (high ) Tj ET Q q 0 0 0 rg BT 402.06 682.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 430.04 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.70 682.10 Td (judgment. ) Tj ET Q q 0 0 0 rg BT 481.31 682.10 Td (In ) Tj ET Q q 0 0 0 rg BT 490.98 682.10 Td (this ) Tj ET Q q 0 0 0 rg BT 506.76 682.10 Td (circumstance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.18 670.10 Td (value ) Tj ET Q q 0 0 0 rg BT 90.14 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 99.12 670.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 139.75 670.10 Td (based ) Tj ET Q q 0 0 0 rg BT 164.82 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 177.13 670.10 Td (management) Tj ET Q q 0 0 0 rg BT 231.00 670.10 Td (s ) Tj ET Q q 0 0 0 rg BT 237.19 670.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 277.27 670.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 317.89 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.42 670.10 Td (value ) Tj ET Q q 0 0 0 rg BT 356.38 670.10 Td (that ) Tj ET Q q 0 0 0 rg BT 373.68 670.10 Td (market ) Tj ET Q q 0 0 0 rg BT 403.75 670.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 452.71 670.10 Td (would ) Tj ET Q q 0 0 0 rg BT 480.01 670.10 Td (assign ) Tj ET Q q 0 0 0 rg BT 507.32 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.40 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.93 670.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 553.67 670.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (liability) Tj ET Q q 0 0 0 rg BT 80.46 658.10 Td (. ) Tj ET Q q 0 0 0 rg BT 85.07 658.10 Td (This ) Tj ET Q q 0 0 0 rg BT 105.12 658.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 144.60 658.10 Td (process ) Tj ET Q q 0 0 0 rg BT 176.87 658.10 Td (takes ) Tj ET Q q 0 0 0 rg BT 199.69 658.10 Td (into ) Tj ET Q q 0 0 0 rg BT 217.52 658.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 273.66 658.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 303.14 658.10 Td (such ) Tj ET Q q 0 0 0 rg BT 323.74 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 334.35 658.10 Td (market ) Tj ET Q q 0 0 0 rg BT 364.38 658.10 Td (illiquidity) Tj ET Q q 0 0 0 rg BT 403.18 658.10 Td (. ) Tj ET Q q 0 0 0 rg BT 407.96 658.10 Td (Imprecision ) Tj ET Q q 0 0 0 rg BT 457.99 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.04 658.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 511.98 658.10 Td (these ) Tj ET Q q 0 0 0 rg BT 534.80 658.10 Td (factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (can ) Tj ET Q q 0 0 0 rg BT 66.76 646.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 96.85 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.95 646.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 144.83 646.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 182.69 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 195.57 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.67 646.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 244.08 646.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 267.51 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 282.06 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 289.38 646.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 330.57 646.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 352.89 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 364.10 646.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 398.09 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 418.75 646.10 Td (related ) Tj ET Q q 0 0 0 rg BT 448.84 646.10 Td (impacts ) Tj ET Q q 0 0 0 rg BT 482.82 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 493.48 646.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 530.24 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 646.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 113.79 634.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 148.98 634.10 Td (See ) Tj ET Q q 0 0 0 rg BT 166.67 634.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 189.37 634.10 Td (21 ) Tj ET Q q 0 0 0 rg BT 202.62 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.66 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.13 634.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 285.16 634.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 325.63 634.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 372.76 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 383.80 634.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 405.38 634.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 413.63 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 428.55 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 436.25 634.10 Td (further ) Tj ET Q q 0 0 0 rg BT 466.71 634.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 511.63 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.22 634.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 634.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (measurements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 99.16 601.10 Td (T) Tj ET Q q 0 0 0 rg BT 103.80 601.10 Td (esting ) Tj ET Q q 0 0 0 rg BT 130.19 601.10 Td (of ) Tj ET Q q 0 0 0 rg BT 140.47 601.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.01 580.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 111.37 580.10 Td (performs ) Tj ET Q q 0 0 0 rg BT 150.93 580.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 200.50 580.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 230.63 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.43 580.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 281.45 580.10 Td (on ) Tj ET Q q 0 0 0 rg BT 294.92 580.10 Td (an ) Tj ET Q q 0 0 0 rg BT 307.82 580.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 337.94 580.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 361.41 580.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.21 580.10 Td (more ) Tj ET Q q 0 0 0 rg BT 397.22 580.10 Td (frequently ) Tj ET Q q 0 0 0 rg BT 441.78 580.10 Td (when ) Tj ET Q q 0 0 0 rg BT 466.91 580.10 Td (events ) Tj ET Q q 0 0 0 rg BT 495.92 580.10 Td (warrant, ) Tj ET Q q 0 0 0 rg BT 532.43 580.10 Td (using ) Tj ET Q q 0 0 0 rg BT 557.56 580.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 94.51 568.10 Td (or ) Tj ET Q q 0 0 0 rg BT 105.15 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.46 568.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 156.97 568.10 Td (approach. ) Tj ET Q q 0 0 0 rg BT 198.25 568.10 Td (V) Tj ET Q q 0 0 0 rg BT 204.37 568.10 Td (aluations ) Tj ET Q q 0 0 0 rg BT 242.78 568.10 Td (are ) Tj ET Q q 0 0 0 rg BT 257.29 568.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 297.92 568.10 Td (in ) Tj ET Q q 0 0 0 rg BT 308.00 568.10 Td (good ) Tj ET Q q 0 0 0 rg BT 330.31 568.10 Td (faith ) Tj ET Q q 0 0 0 rg BT 350.94 568.10 Td (by ) Tj ET Q q 0 0 0 rg BT 363.24 568.10 Td (management ) Tj ET Q q 0 0 0 rg BT 416.64 568.10 Td (through ) Tj ET Q q 0 0 0 rg BT 450.05 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.58 568.10 Td (use ) Tj ET Q q 0 0 0 rg BT 480.21 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.85 568.10 Td (publicly ) Tj ET Q q 0 0 0 rg BT 525.93 568.10 Td (available ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (valuations ) Tj ET Q q 0 0 0 rg BT 94.47 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.16 556.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 156.16 556.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 188.40 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.20 556.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 252.89 556.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 274.02 556.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 295.71 556.10 Td (models ) Tj ET Q q 0 0 0 rg BT 327.96 556.10 Td (using ) Tj ET Q q 0 0 0 rg BT 352.99 556.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 386.90 556.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 425.24 556.10 Td (projections ) Tj ET Q q 0 0 0 rg BT 473.03 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 484.17 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.75 556.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 539.77 556.10 Td (unit) Tj ET Q q 0 0 0 rg BT 558.11 556.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (business ) Tj ET Q q 0 0 0 rg BT 86.39 544.10 Td (plan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (Using ) Tj ET Q q 0 0 0 rg BT 76.00 523.10 Td (a ) Tj ET Q q 0 0 0 rg BT 82.55 523.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 131.86 523.10 Td (approach, ) Tj ET Q q 0 0 0 rg BT 173.12 523.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.44 523.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 225.11 523.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 273.31 523.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 307.64 523.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 343.63 523.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.18 523.10 Td (two-step ) Tj ET Q q 0 0 0 rg BT 386.73 523.10 Td (process. ) Tj ET Q q 0 0 0 rg BT 421.17 523.10 Td (The ) Tj ET Q q 0 0 0 rg BT 438.83 523.10 Td (first ) Tj ET Q q 0 0 0 rg BT 457.05 523.10 Td (step ) Tj ET Q q 0 0 0 rg BT 475.26 523.10 Td (is ) Tj ET Q q 0 0 0 rg BT 484.04 523.10 Td (a ) Tj ET Q q 0 0 0 rg BT 490.59 523.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 539.35 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 523.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.17 511.10 Td (unit) Tj ET Q q 0 0 0 rg BT 107.50 511.10 Td (s ) Tj ET Q q 0 0 0 rg BT 113.90 511.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 130.29 511.10 Td (value ) Tj ET Q q 0 0 0 rg BT 154.46 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.75 511.10 Td (its ) Tj ET Q q 0 0 0 rg BT 176.71 511.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 212.53 511.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 239.20 511.10 Td (If ) Tj ET Q q 0 0 0 rg BT 248.37 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.10 511.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 298.93 511.10 Td (value ) Tj ET Q q 0 0 0 rg BT 323.09 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.94 511.10 Td (a ) Tj ET Q q 0 0 0 rg BT 340.88 511.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 380.05 511.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 398.12 511.10 Td (was ) Tj ET Q q 0 0 0 rg BT 416.18 511.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 463.67 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 473.96 511.10 Td (have ) Tj ET Q q 0 0 0 rg BT 495.35 511.10 Td (been ) Tj ET Q q 0 0 0 rg BT 516.74 511.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 544.80 511.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (its ) Tj ET Q q 0 0 0 rg BT 62.10 499.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 78.63 499.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 105.43 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.30 499.10 Td (second ) Tj ET Q q 0 0 0 rg BT 150.72 499.10 Td (step ) Tj ET Q q 0 0 0 rg BT 169.48 499.10 Td (would ) Tj ET Q q 0 0 0 rg BT 197.13 499.10 Td (have ) Tj ET Q q 0 0 0 rg BT 218.66 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.09 499.10 Td (be ) Tj ET Q q 0 0 0 rg BT 241.18 499.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 285.48 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.91 499.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 331.88 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.74 499.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 379.39 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.37 499.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 439.12 499.10 Td (loss. ) Tj ET Q q 0 0 0 rg BT 459.64 499.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.84 499.10 Td (second ) Tj ET Q q 0 0 0 rg BT 508.26 499.10 Td (step ) Tj ET Q q 0 0 0 rg BT 527.02 499.10 Td (allocates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 487.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 80.11 487.10 Td (value ) Tj ET Q q 0 0 0 rg BT 103.77 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.55 487.10 Td (all ) Tj ET Q q 0 0 0 rg BT 125.56 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.89 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.12 487.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 175.45 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.90 487.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 231.12 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.46 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.68 487.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 294.35 487.10 Td (unit, ) Tj ET Q q 0 0 0 rg BT 314.41 487.10 Td (including ) Tj ET Q q 0 0 0 rg BT 354.19 487.10 Td (any ) Tj ET Q q 0 0 0 rg BT 370.63 487.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 426.50 487.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 468.50 487.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 496.34 487.10 Td (in ) Tj ET Q q 0 0 0 rg BT 506.12 487.10 Td (a ) Tj ET Q q 0 0 0 rg BT 512.57 487.10 Td (hypothetical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 87.99 475.10 Td (price ) Tj ET Q q 0 0 0 rg BT 110.43 475.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 152.32 475.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 186.99 475.10 Td (that ) Tj ET Q q 0 0 0 rg BT 204.44 475.10 Td (would ) Tj ET Q q 0 0 0 rg BT 231.90 475.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 269.88 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.56 475.10 Td (implied ) Tj ET Q q 0 0 0 rg BT 317.56 475.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 333.90 475.10 Td (value ) Tj ET Q q 0 0 0 rg BT 358.01 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.79 475.10 Td (goodwill. ) Tj ET Q q 0 0 0 rg BT 409.31 475.10 Td (If ) Tj ET Q q 0 0 0 rg BT 418.42 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.10 475.10 Td (implied ) Tj ET Q q 0 0 0 rg BT 466.10 475.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 482.44 475.10 Td (value ) Tj ET Q q 0 0 0 rg BT 506.55 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.33 475.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 555.35 475.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (less ) Tj ET Q q 0 0 0 rg BT 67.50 463.10 Td (than ) Tj ET Q q 0 0 0 rg BT 87.22 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.93 463.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 139.41 463.10 Td (goodwill, ) Tj ET Q q 0 0 0 rg BT 179.97 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.68 463.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 236.07 463.10 Td (would ) Tj ET Q q 0 0 0 rg BT 263.57 463.10 Td (record ) Tj ET Q q 0 0 0 rg BT 291.61 463.10 Td (an ) Tj ET Q q 0 0 0 rg BT 303.54 463.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 352.14 463.10 Td (char) Tj ET Q q 0 0 0 rg BT 369.17 463.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 381.11 463.10 Td (for ) Tj ET Q q 0 0 0 rg BT 395.27 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.99 463.10 Td (dif) Tj ET Q q 0 0 0 rg BT 420.91 463.10 Td (ference. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.17 442.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 104.36 442.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 152.08 442.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 185.93 442.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 219.76 442.10 Td (management ) Tj ET Q q 0 0 0 rg BT 272.48 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.89 442.10 Td (make ) Tj ET Q q 0 0 0 rg BT 305.17 442.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 347.34 442.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 390.63 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 400.04 442.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 449.98 442.10 Td (if ) Tj ET Q q 0 0 0 rg BT 457.72 442.10 Td (an ) Tj ET Q q 0 0 0 rg BT 468.79 442.10 Td (indicator ) Tj ET Q q 0 0 0 rg BT 505.95 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.91 442.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (has ) Tj ET Q q 0 0 0 rg BT 65.24 430.10 Td (occurred. ) Tj ET Q q 0 0 0 rg BT 104.62 430.10 Td (Events ) Tj ET Q q 0 0 0 rg BT 133.74 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.08 430.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 179.20 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 196.10 430.10 Td (may ) Tj ET Q q 0 0 0 rg BT 215.22 430.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 267.12 430.10 Td (af) Tj ET Q q 0 0 0 rg BT 274.70 430.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 291.60 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.72 430.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 339.84 430.10 Td (include: ) Tj ET Q q 0 0 0 rg BT 373.96 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 380.30 430.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 424.42 430.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 455.20 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.88 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.00 430.10 Td (Company) Tj ET Q q 0 0 0 rg BT 520.67 430.10 Td (s ) Tj ET Q q 0 0 0 rg BT 526.47 430.10 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (future ) Tj ET Q q 0 0 0 rg BT 76.51 418.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 96.91 418.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 124.27 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.34 418.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 176.75 418.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 212.14 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 222.55 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.40 418.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 273.92 418.10 Td (factor) Tj ET Q q 0 0 0 rg BT 296.84 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 301.97 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 309.05 418.10 Td (sustained, ) Tj ET Q q 0 0 0 rg BT 351.40 418.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 396.24 418.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 427.75 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 438.16 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.01 418.10 Td (Company) Tj ET Q q 0 0 0 rg BT 494.68 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 501.20 418.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 524.95 418.10 Td (price ) Tj ET Q q 0 0 0 rg BT 547.57 418.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (market ) Tj ET Q q 0 0 0 rg BT 79.68 406.10 Td (capitalization, ) Tj ET Q q 0 0 0 rg BT 137.95 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 144.30 406.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 188.42 406.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 220.87 406.10 Td (change ) Tj ET Q q 0 0 0 rg BT 251.10 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 260.79 406.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 282.13 406.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 311.25 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 321.49 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.18 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.31 406.10 Td (business ) Tj ET Q q 0 0 0 rg BT 381.12 406.10 Td (climate. ) Tj ET Q q 0 0 0 rg BT 414.96 406.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 439.64 406.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 468.75 406.10 Td (might ) Tj ET Q q 0 0 0 rg BT 494.00 406.10 Td (include ) Tj ET Q q 0 0 0 rg BT 525.35 406.10 Td (changing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 100.65 394.10 Td (forces, ) Tj ET Q q 0 0 0 rg BT 131.02 394.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 171.11 394.10 Td (behaviors ) Tj ET Q q 0 0 0 rg BT 213.43 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.31 394.10 Td (attrition, ) Tj ET Q q 0 0 0 rg BT 268.91 394.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 303.99 394.10 Td (trends, ) Tj ET Q q 0 0 0 rg BT 334.37 394.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 353.92 394.10 Td (structures, ) Tj ET Q q 0 0 0 rg BT 398.74 394.10 Td (along ) Tj ET Q q 0 0 0 rg BT 424.39 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 445.61 394.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 480.14 394.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 516.36 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 534.24 394.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 96.34 382.10 Td (Adverse ) Tj ET Q q 0 0 0 rg BT 132.46 382.10 Td (change ) Tj ET Q q 0 0 0 rg BT 163.56 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.13 382.10 Td (these ) Tj ET Q q 0 0 0 rg BT 197.47 382.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 227.47 382.10 Td (could ) Tj ET Q q 0 0 0 rg BT 252.48 382.10 Td (have ) Tj ET Q q 0 0 0 rg BT 274.15 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.39 382.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 326.39 382.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 356.40 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 369.19 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.20 382.10 Td (recoverability ) Tj ET Q q 0 0 0 rg BT 442.52 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.64 382.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 496.42 382.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 522.55 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 539.78 382.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 78.32 370.10 Td (material ) Tj ET Q q 0 0 0 rg BT 113.57 370.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 143.29 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 155.79 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.50 370.10 Td (Company) Tj ET Q q 0 0 0 rg BT 212.17 370.10 Td (s ) Tj ET Q q 0 0 0 rg BT 218.56 370.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 271.60 370.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 309.08 370.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (As ) Tj ET Q q 0 0 0 rg BT 66.07 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 79.36 349.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 140.40 349.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 167.86 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.04 349.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 228.88 349.10 Td (had ) Tj ET Q q 0 0 0 rg BT 248.28 349.10 Td (three ) Tj ET Q q 0 0 0 rg BT 273.22 349.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 314.84 349.10 Td (units: ) Tj ET Q q 0 0 0 rg BT 342.02 349.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 394.76 349.10 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 436.11 349.10 Td (Specialty ) Tj ET Q q 0 0 0 rg BT 478.28 349.10 Td (Finance ) Tj ET Q q 0 0 0 rg BT 514.89 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 533.93 349.10 Td (W) Tj ET Q q 0 0 0 rg BT 542.57 349.10 Td (ealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (Management. ) Tj ET Q q 0 0 0 rg BT 107.28 337.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 134.29 337.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.86 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.66 337.10 Td (Company) Tj ET Q q 0 0 0 rg BT 203.32 337.10 Td (s ) Tj ET Q q 0 0 0 rg BT 209.79 337.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 232.36 337.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 270.49 337.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 319.17 337.10 Td (testing, ) Tj ET Q q 0 0 0 rg BT 350.91 337.10 Td (no ) Tj ET Q q 0 0 0 rg BT 363.48 337.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 401.61 337.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 450.29 337.10 Td (was ) Tj ET Q q 0 0 0 rg BT 468.41 337.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 507.64 337.10 Td (for ) Tj ET Q q 0 0 0 rg BT 521.87 337.10 Td (any ) Tj ET Q q 0 0 0 rg BT 538.89 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 337.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.16 325.10 Td (units ) Tj ET Q q 0 0 0 rg BT 111.10 325.10 Td (on ) Tj ET Q q 0 0 0 rg BT 123.60 325.10 Td (their ) Tj ET Q q 0 0 0 rg BT 144.43 325.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 187.46 325.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 216.62 325.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 245.78 325.10 Td (dates.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 94.70 304.10 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.81 283.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.96 283.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 143.11 283.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 186.35 283.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 236.28 283.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.32 283.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 281.68 283.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 303.84 283.10 Td (such ) Tj ET Q q 0 0 0 rg BT 325.43 283.10 Td (as ) Tj ET Q q 0 0 0 rg BT 337.03 283.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 369.72 283.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 387.97 283.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 406.24 283.10 Td (or ) Tj ET Q q 0 0 0 rg BT 417.83 283.10 Td (market ) Tj ET Q q 0 0 0 rg BT 448.86 283.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 469.39 283.10 Td (The ) Tj ET Q q 0 0 0 rg BT 488.20 283.10 Td (Company) Tj ET Q q 0 0 0 rg BT 529.86 283.10 Td (s ) Tj ET Q q 0 0 0 rg BT 537.02 283.10 Td (policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 88.06 271.10 Td (using ) Tj ET Q q 0 0 0 rg BT 112.23 271.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 158.60 271.10 Td (for ) Tj ET Q q 0 0 0 rg BT 172.76 271.10 Td (speculative ) Tj ET Q q 0 0 0 rg BT 220.24 271.10 Td (purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 98.75 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.50 250.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 158.46 250.10 Td (dif) Tj ET Q q 0 0 0 rg BT 169.39 250.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 186.47 250.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 238.55 250.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 282.30 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 294.39 250.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 328.69 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 335.22 250.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 377.29 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 386.05 250.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 430.91 250.10 Td (as ) Tj ET Q q 0 0 0 rg BT 441.33 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 447.86 250.10 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 476.33 250.10 Td (which ) Tj ET Q q 0 0 0 rg BT 502.86 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 511.62 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 518.15 250.10 Td (transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 87.29 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.93 238.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 127.44 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 134.74 238.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 152.60 238.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 196.55 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 217.19 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 224.49 238.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 258.44 238.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 280.74 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 291.93 238.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 325.90 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 337.09 238.10 Td (future ) Tj ET Q q 0 0 0 rg BT 363.83 238.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 402.22 238.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 422.85 238.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 444.04 238.10 Td (at ) Tj ET Q q 0 0 0 rg BT 454.12 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.20 238.10 Td (time ) Tj ET Q q 0 0 0 rg BT 489.83 238.10 Td (it ) Tj ET Q q 0 0 0 rg BT 498.25 238.10 Td (is ) Tj ET Q q 0 0 0 rg BT 507.78 238.10 Td (purchased. ) Tj ET Q q 0 0 0 rg BT 553.67 238.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (order ) Tj ET Q q 0 0 0 rg BT 73.40 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 83.48 226.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 114.11 226.10 Td (as ) Tj ET Q q 0 0 0 rg BT 124.75 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.49 226.10 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 160.17 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 166.91 226.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 209.20 226.10 Td (must ) Tj ET Q q 0 0 0 rg BT 230.95 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 242.69 226.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 287.76 226.10 Td (as ) Tj ET Q q 0 0 0 rg BT 298.39 226.10 Td (such ) Tj ET Q q 0 0 0 rg BT 319.03 226.10 Td (by ) Tj ET Q q 0 0 0 rg BT 331.33 226.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 387.22 226.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 441.73 226.10 Td (must ) Tj ET Q q 0 0 0 rg BT 463.48 226.10 Td (also ) Tj ET Q q 0 0 0 rg BT 481.89 226.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 518.63 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.71 226.10 Td (evaluate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 84.47 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.95 214.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 143.98 214.10 Td (ef) Tj ET Q q 0 0 0 rg BT 151.57 214.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 188.81 214.10 Td (reduces ) Tj ET Q q 0 0 0 rg BT 221.61 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.09 214.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 253.35 214.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 296.71 214.10 Td (with ) Tj ET Q q 0 0 0 rg BT 316.75 214.10 Td (that ) Tj ET Q q 0 0 0 rg BT 334.01 214.10 Td (item. ) Tj ET Q q 0 0 0 rg BT 356.38 214.10 Td (T) Tj ET Q q 0 0 0 rg BT 361.79 214.10 Td (o ) Tj ET Q q 0 0 0 rg BT 369.05 214.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 411.30 214.10 Td (if ) Tj ET Q q 0 0 0 rg BT 419.67 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.37 214.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 468.61 214.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 513.65 214.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 554.23 214.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (be ) Tj ET Q q 0 0 0 rg BT 62.71 202.10 Td (an ) Tj ET Q q 0 0 0 rg BT 75.41 202.10 Td (ef) Tj ET Q q 0 0 0 rg BT 83.00 202.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 113.47 202.10 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 143.12 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.60 202.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 200.76 202.10 Td (must ) Tj ET Q q 0 0 0 rg BT 223.47 202.10 Td (make ) Tj ET Q q 0 0 0 rg BT 248.40 202.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 301.11 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 318.82 202.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 363.75 202.10 Td (about ) Tj ET Q q 0 0 0 rg BT 389.24 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.72 202.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 447.42 202.10 Td (ef) Tj ET Q q 0 0 0 rg BT 455.01 202.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 502.70 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.30 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.79 202.10 Td (hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 90.75 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.17 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.37 190.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 151.33 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.75 190.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 197.85 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.16 190.10 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 253.23 190.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 306.48 190.10 Td (If ) Tj ET Q q 0 0 0 rg BT 316.12 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.32 190.10 Td (Company) Tj ET Q q 0 0 0 rg BT 372.98 190.10 Td (s ) Tj ET Q q 0 0 0 rg BT 379.86 190.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 415.06 190.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 449.69 190.10 Td (were ) Tj ET Q q 0 0 0 rg BT 472.10 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 482.87 190.10 Td (become ) Tj ET Q q 0 0 0 rg BT 516.94 190.10 Td (inef) Tj ET Q q 0 0 0 rg BT 532.31 190.10 Td (fective, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 75.97 178.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 121.93 178.10 Td (would ) Tj ET Q q 0 0 0 rg BT 149.02 178.10 Td (no ) Tj ET Q q 0 0 0 rg BT 161.11 178.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 188.75 178.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 213.06 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.59 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.90 178.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 279.31 178.10 Td (results ) Tj ET Q q 0 0 0 rg BT 307.50 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.93 178.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 361.67 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 372.09 178.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 409.17 178.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 449.03 178.10 Td (could ) Tj ET Q q 0 0 0 rg BT 473.34 178.10 Td (be ) Tj ET Q q 0 0 0 rg BT 484.87 178.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 527.50 178.10 Td (af) Tj ET Q q 0 0 0 rg BT 535.08 178.10 Td (fected.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 157.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 81.93 157.10 Td (T) Tj ET Q q 0 0 0 rg BT 86.57 157.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.13 136.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.61 136.10 Td (is ) Tj ET Q q 0 0 0 rg BT 118.87 136.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 149.78 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 160.15 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.95 136.10 Td (income ) Tj ET Q q 0 0 0 rg BT 206.97 136.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 221.78 136.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 242.70 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.61 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.42 136.10 Td (United ) Tj ET Q q 0 0 0 rg BT 298.22 136.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 327.20 136.10 Td (its ) Tj ET Q q 0 0 0 rg BT 339.23 136.10 Td (states, ) Tj ET Q q 0 0 0 rg BT 366.54 136.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 399.11 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.14 136.10 Td (other ) Tj ET Q q 0 0 0 rg BT 439.27 136.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 491.30 136.10 Td (where ) Tj ET Q q 0 0 0 rg BT 518.32 136.10 Td (it ) Tj ET Q q 0 0 0 rg BT 526.46 136.10 Td (conducts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 89.16 124.10 Td (These ) Tj ET Q q 0 0 0 rg BT 116.02 124.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 137.33 124.10 Td (are ) Tj ET Q q 0 0 0 rg BT 152.51 124.10 Td (complex ) Tj ET Q q 0 0 0 rg BT 189.93 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 207.35 124.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 238.65 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.41 124.10 Td (dif) Tj ET Q q 0 0 0 rg BT 260.34 124.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 286.64 124.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 347.38 124.10 Td (by ) Tj ET Q q 0 0 0 rg BT 360.36 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.56 124.10 Td (taxpayer ) Tj ET Q q 0 0 0 rg BT 412.96 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.38 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.58 124.10 Td (various ) Tj ET Q q 0 0 0 rg BT 478.00 124.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 505.97 124.10 Td (authorities. ) Tj ET Q q 0 0 0 rg BT 553.67 124.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 101.84 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.58 112.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 158.87 112.10 Td (for ) Tj ET Q q 0 0 0 rg BT 174.05 112.10 Td (income ) Tj ET Q q 0 0 0 rg BT 207.01 112.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 233.57 112.10 Td (management ) Tj ET Q q 0 0 0 rg BT 288.18 112.10 Td (must ) Tj ET Q q 0 0 0 rg BT 311.15 112.10 Td (make ) Tj ET Q q 0 0 0 rg BT 336.32 112.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 381.51 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.47 112.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 440.20 112.10 Td (about ) Tj ET Q q 0 0 0 rg BT 465.93 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.67 112.10 Td (application ) Tj ET Q q 0 0 0 rg BT 529.62 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 541.47 112.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 93.37 100.10 Td (complex ) Tj ET Q q 0 0 0 rg BT 130.63 100.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 154.29 100.10 Td (related ) Tj ET Q q 0 0 0 rg BT 184.33 100.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 231.59 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.86 100.10 Td (case ) Tj ET Q q 0 0 0 rg BT 268.89 100.10 Td (law) Tj ET Q q 0 0 0 rg BT 282.68 100.10 Td (. ) Tj ET Q q 0 0 0 rg BT 288.01 100.10 Td (In ) Tj ET Q q 0 0 0 rg BT 299.17 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.22 100.10 Td (process ) Tj ET Q q 0 0 0 rg BT 347.04 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.20 100.10 Td (preparing ) Tj ET Q q 0 0 0 rg BT 399.34 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.39 100.10 Td (Company) Tj ET Q q 0 0 0 rg BT 456.05 100.10 Td (s ) Tj ET Q q 0 0 0 rg BT 462.78 100.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 477.82 100.10 Td (returns, ) Tj ET Q q 0 0 0 rg BT 510.92 100.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (attempts ) Tj ET Q q 0 0 0 rg BT 86.65 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.20 88.10 Td (make ) Tj ET Q q 0 0 0 rg BT 121.63 88.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 167.15 88.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 227.68 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.78 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.77 88.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 268.76 88.10 Td (laws. ) Tj ET Q q 0 0 0 rg BT 292.16 88.10 Td (These ) Tj ET Q q 0 0 0 rg BT 318.81 88.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 379.34 88.10 Td (are ) Tj ET Q q 0 0 0 rg BT 394.32 88.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 425.41 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 435.96 88.10 Td (challenge ) Tj ET Q q 0 0 0 rg BT 477.04 88.10 Td (by ) Tj ET Q q 0 0 0 rg BT 489.81 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.80 88.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 519.79 88.10 Td (authorities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 71.95 76.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 93.89 76.10 Td (or ) Tj ET Q q 0 0 0 rg BT 104.16 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.89 76.10 Td (reinterpretation ) Tj ET Q q 0 0 0 rg BT 177.47 76.10 Td (based ) Tj ET Q q 0 0 0 rg BT 202.18 76.10 Td (on ) Tj ET Q q 0 0 0 rg BT 214.13 76.10 Td (management) Tj ET Q q 0 0 0 rg BT 268.00 76.10 Td (s ) Tj ET Q q 0 0 0 rg BT 273.83 76.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 308.56 76.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 354.94 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.22 76.10 Td (facts ) Tj ET Q q 0 0 0 rg BT 386.04 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.42 76.10 Td (evolving ) Tj ET Q q 0 0 0 rg BT 439.37 76.10 Td (case ) Tj ET Q q 0 0 0 rg BT 458.52 76.10 Td (law) Tj ET Q q 0 0 0 rg BT 472.31 76.10 Td (. ) Tj ET Q q 0 0 0 rg BT 476.75 76.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 530.90 76.10 Td (reviews ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.95 64.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 101.65 64.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 116.37 64.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 154.99 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.92 64.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 219.97 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.80 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.51 64.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 279.67 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.50 64.10 Td (such ) Tj ET Q q 0 0 0 rg BT 311.33 64.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 349.95 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 362.45 64.10 Td (a ) Tj ET Q q 0 0 0 rg BT 369.38 64.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 400.20 64.10 Td (basis.) Tj ET Q endstream endobj 115 0 obj <> endobj 116 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (57) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.74 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 71.70 742.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 110.32 742.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 135.34 742.10 Td (management ) Tj ET Q q 0 0 0 rg BT 188.95 742.10 Td (assesses ) Tj ET Q q 0 0 0 rg BT 224.24 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.98 742.10 Td (reasonableness ) Tj ET Q q 0 0 0 rg BT 301.48 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 312.33 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 324.30 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.88 742.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 361.61 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 376.35 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 393.85 742.10 Td (based ) Tj ET Q q 0 0 0 rg BT 419.14 742.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 441.66 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 453.63 742.10 Td (current ) Tj ET Q q 0 0 0 rg BT 484.47 742.10 Td (best ) Tj ET Q q 0 0 0 rg BT 503.10 742.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 538.94 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 742.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 82.04 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.09 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.92 730.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 157.62 730.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 180.78 730.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 218.92 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 233.20 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.02 730.10 Td (full ) Tj ET Q q 0 0 0 rg BT 264.52 730.10 Td (year) Tj ET Q q 0 0 0 rg BT 281.18 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 286.29 730.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 324.43 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 339.26 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 365.20 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.25 730.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 422.08 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 436.89 730.10 Td (reassessed ) Tj ET Q q 0 0 0 rg BT 481.16 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 493.77 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 500.82 730.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 539.52 730.10 Td (basis, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 58.61 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 95.00 718.10 Td (events ) Tj ET Q q 0 0 0 rg BT 123.05 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 133.88 718.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 193.02 718.10 Td (warrant.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 109.82 694.10 Td (TED RESUL) Tj ET Q q 0 0 0 rg BT 165.31 694.10 Td (TS OF) Tj ET Q q 0 0 0 rg BT 193.56 694.10 Td ( OPERA) Tj ET Q q 0 0 0 rg BT 230.32 694.10 Td (TIONS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.68 673.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.70 673.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 155.51 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.75 673.10 Td (W) Tj ET Q q 0 0 0 rg BT 175.78 673.10 Td (intrust) Tj ET Q q 0 0 0 rg BT 204.12 673.10 Td (s ) Tj ET Q q 0 0 0 rg BT 211.15 673.10 Td (results ) Tj ET Q q 0 0 0 rg BT 240.39 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.85 673.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 296.64 673.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 331.99 673.10 Td (an ) Tj ET Q q 0 0 0 rg BT 344.56 673.10 Td (understanding ) Tj ET Q q 0 0 0 rg BT 404.35 673.10 Td (that ) Tj ET Q q 0 0 0 rg BT 422.48 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.05 673.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 467.07 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.53 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.88 673.10 Td (Company) Tj ET Q q 0 0 0 rg BT 535.55 673.10 Td (s ) Tj ET Q q 0 0 0 rg BT 542.58 673.10 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 99.50 661.10 Td (have ) Tj ET Q q 0 0 0 rg BT 120.67 661.10 Td (been ) Tj ET Q q 0 0 0 rg BT 141.83 661.10 Td (started ) Tj ET Q q 0 0 0 rg BT 170.78 661.10 Td (as ) Tj ET Q q 0 0 0 rg BT 181.39 661.10 Td (de ) Tj ET Q q 0 0 0 rg BT 193.12 661.10 Td (novo ) Tj ET Q q 0 0 0 rg BT 215.41 661.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 241.03 661.10 Td (since ) Tj ET Q q 0 0 0 rg BT 263.86 661.10 Td (December ) Tj ET Q q 0 0 0 rg BT 307.23 661.10 Td (1991. ) Tj ET Q q 0 0 0 rg BT 331.85 661.10 Td (W) Tj ET Q q 0 0 0 rg BT 340.89 661.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 368.74 661.10 Td (has ) Tj ET Q q 0 0 0 rg BT 384.35 661.10 Td (a ) Tj ET Q q 0 0 0 rg BT 391.08 661.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 425.02 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.64 661.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 480.70 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 490.77 661.10 Td (build ) Tj ET Q q 0 0 0 rg BT 513.61 661.10 Td (its ) Tj ET Q q 0 0 0 rg BT 525.35 661.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (base ) Tj ET Q q 0 0 0 rg BT 70.01 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 86.70 649.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 122.82 649.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 147.83 649.10 Td (product ) Tj ET Q q 0 0 0 rg BT 180.63 649.10 Td (penetration ) Tj ET Q q 0 0 0 rg BT 227.85 649.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.87 649.10 Td (each ) Tj ET Q q 0 0 0 rg BT 258.43 649.10 Td (marketplace ) Tj ET Q q 0 0 0 rg BT 309.54 649.10 Td (that ) Tj ET Q q 0 0 0 rg BT 326.78 649.10 Td (it ) Tj ET Q q 0 0 0 rg BT 334.58 649.10 Td (serves. ) Tj ET Q q 0 0 0 rg BT 364.15 649.10 Td (The ) Tj ET Q q 0 0 0 rg BT 381.94 649.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 423.08 649.10 Td (has ) Tj ET Q q 0 0 0 rg BT 438.65 649.10 Td (expanded ) Tj ET Q q 0 0 0 rg BT 479.21 649.10 Td (its ) Tj ET Q q 0 0 0 rg BT 490.90 649.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 525.37 649.10 Td (franchise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (from ) Tj ET Q q 0 0 0 rg BT 72.40 637.10 Td (three ) Tj ET Q q 0 0 0 rg BT 95.35 637.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 121.64 637.10 Td (with ) Tj ET Q q 0 0 0 rg BT 142.38 637.10 Td (five ) Tj ET Q q 0 0 0 rg BT 160.89 637.10 Td (of) Tj ET Q q 0 0 0 rg BT 169.04 637.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 190.87 637.10 Td (in ) Tj ET Q q 0 0 0 rg BT 201.61 637.10 Td (1994 ) Tj ET Q q 0 0 0 rg BT 224.58 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.31 637.10 Td (15 ) Tj ET Q q 0 0 0 rg BT 248.28 637.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 274.57 637.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.31 637.10 Td (152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.31 637.10 Td ( ) Tj ET Q q 0 0 0 rg BT 313.27 637.10 Td (of) Tj ET Q q 0 0 0 rg BT 321.42 637.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 343.26 637.10 Td (at ) Tj ET Q q 0 0 0 rg BT 353.44 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.61 637.10 Td (end ) Tj ET Q q 0 0 0 rg BT 386.01 637.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.30 637.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.30 637.10 Td (. ) Tj ET Q q 0 0 0 rg BT 422.77 637.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 446.85 637.10 Td (has ) Tj ET Q q 0 0 0 rg BT 463.14 637.10 Td (matured ) Tj ET Q q 0 0 0 rg BT 498.87 637.10 Td (from ) Tj ET Q q 0 0 0 rg BT 521.27 637.10 Td (its ) Tj ET Q q 0 0 0 rg BT 533.68 637.10 Td (limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.30 625.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.73 625.10 Td (1991 ) Tj ET Q q 0 0 0 rg BT 127.38 625.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.81 625.10 Td (a ) Tj ET Q q 0 0 0 rg BT 144.90 625.10 Td (company ) Tj ET Q q 0 0 0 rg BT 184.20 625.10 Td (that ) Tj ET Q q 0 0 0 rg BT 201.84 625.10 Td (generated, ) Tj ET Q q 0 0 0 rg BT 245.85 625.10 Td (on ) Tj ET Q q 0 0 0 rg BT 258.50 625.10 Td (a ) Tj ET Q q 0 0 0 rg BT 265.59 625.10 Td (national ) Tj ET Q q 0 0 0 rg BT 300.45 625.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 325.60 625.10 Td ($5.9 ) Tj ET Q q 0 0 0 rg BT 345.75 625.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 374.51 625.10 Td (in ) Tj ET Q q 0 0 0 rg BT 384.94 625.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 423.69 625.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 455.76 625.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 503.38 625.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.81 625.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.81 625.10 Td ( ) Tj ET Q q 0 0 0 rg BT 536.46 625.10 Td (within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.85 613.10 Td (United ) Tj ET Q q 0 0 0 rg BT 92.69 613.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 120.71 613.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.34 613.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 145.09 613.10 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 179.21 613.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 215.26 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 224.67 613.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 248.80 613.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 290.97 613.10 Td ($617.1 ) Tj ET Q q 0 0 0 rg BT 320.10 613.10 Td (million ) Tj ET Q q 0 0 0 rg BT 350.62 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 360.03 613.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 399.42 613.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 448.25 613.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 485.99 613.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 517.04 613.10 Td (receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.15 601.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.15 601.10 Td (. ) Tj ET Q q 0 0 0 rg BT 85.03 601.10 Td (In ) Tj ET Q q 0 0 0 rg BT 95.73 601.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 133.38 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.97 601.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 177.00 601.10 Td (management ) Tj ET Q q 0 0 0 rg BT 230.46 601.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 275.60 601.10 Td (have ) Tj ET Q q 0 0 0 rg BT 296.85 601.10 Td (been ) Tj ET Q q 0 0 0 rg BT 318.11 601.10 Td (building ) Tj ET Q q 0 0 0 rg BT 353.81 601.10 Td (a ) Tj ET Q q 0 0 0 rg BT 360.63 601.10 Td (team ) Tj ET Q q 0 0 0 rg BT 382.44 601.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.14 601.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 443.82 601.10 Td (professionals ) Tj ET Q q 0 0 0 rg BT 498.96 601.10 Td (who ) Tj ET Q q 0 0 0 rg BT 518.56 601.10 Td (are ) Tj ET Q q 0 0 0 rg BT 533.14 601.10 Td (located ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (within ) Tj ET Q q 0 0 0 rg BT 78.06 589.10 Td (a ) Tj ET Q q 0 0 0 rg BT 85.00 589.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 121.38 589.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.21 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.92 589.10 Td (banks. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Earnings Summary) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.22 547.10 Td (income ) Tj ET Q q 0 0 0 rg BT 97.43 547.10 Td (for ) Tj ET Q q 0 0 0 rg BT 110.87 547.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.87 547.10 Td (year ) Tj ET Q q 0 0 0 rg BT 143.85 547.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.51 547.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 227.38 547.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.38 547.10 Td (, ) Tj ET Q q 0 0 0 rg BT 251.66 547.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.65 547.10 Td ($156.7 ) Tj ET Q q 0 0 0 rg BT 309.93 547.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.82 547.10 Td (, ) Tj ET Q q 0 0 0 rg BT 343.10 547.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.21 547.10 Td ($2.93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.71 547.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.49 547.10 Td (per ) Tj ET Q q 0 0 0 rg BT 392.04 547.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 421.59 547.10 Td (common ) Tj ET Q q 0 0 0 rg BT 458.36 547.10 Td (share, ) Tj ET Q q 0 0 0 rg BT 483.74 547.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 524.95 547.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.50 547.10 Td ($151.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 535.10 Td (, ) Tj ET Q q 0 0 0 rg BT 84.32 535.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.57 535.10 Td ($2.98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.07 535.10 Td ( ) Tj ET Q q 0 0 0 rg BT 120.99 535.10 Td (per ) Tj ET Q q 0 0 0 rg BT 136.69 535.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 167.38 535.10 Td (common ) Tj ET Q q 0 0 0 rg BT 205.30 535.10 Td (share, ) Tj ET Q q 0 0 0 rg BT 231.82 535.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.53 535.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.53 535.10 Td (, ) Tj ET Q q 0 0 0 rg BT 267.95 535.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.31 535.10 Td ($137.2 ) Tj ET Q q 0 0 0 rg BT 315.74 535.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.63 535.10 Td (, ) Tj ET Q q 0 0 0 rg BT 350.05 535.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.31 535.10 Td ($2.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.81 535.10 Td ( ) Tj ET Q q 0 0 0 rg BT 386.73 535.10 Td (per ) Tj ET Q q 0 0 0 rg BT 402.42 535.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 433.12 535.10 Td (common ) Tj ET Q q 0 0 0 rg BT 471.04 535.10 Td (share, ) Tj ET Q q 0 0 0 rg BT 497.56 535.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.26 535.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.26 535.10 Td (. ) Tj ET Q q 0 0 0 rg BT 533.69 535.10 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 523.10 Td (, ) Tj ET Q q 0 0 0 rg BT 74.70 523.10 Td (net ) Tj ET Q q 0 0 0 rg BT 89.12 523.10 Td (income ) Tj ET Q q 0 0 0 rg BT 120.76 523.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 160.72 523.10 Td (by ) Tj ET Q q 0 0 0 rg BT 172.92 523.10 Td ($5.3 ) Tj ET Q q 0 0 0 rg BT 192.63 523.10 Td (million ) Tj ET Q q 0 0 0 rg BT 223.72 523.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.36 523.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 276.44 523.10 Td (per ) Tj ET Q q 0 0 0 rg BT 291.42 523.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 321.39 523.10 Td (common ) Tj ET Q q 0 0 0 rg BT 358.59 523.10 Td (share ) Tj ET Q q 0 0 0 rg BT 381.89 523.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 423.51 523.10 Td (by ) Tj ET Q q 0 0 0 rg BT 435.72 523.10 Td ($0.05. ) Tj ET Q q 0 0 0 rg BT 462.92 523.10 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.45 523.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.45 523.10 Td (, ) Tj ET Q q 0 0 0 rg BT 518.16 523.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.58 523.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 89.65 511.10 Td (by ) Tj ET Q q 0 0 0 rg BT 101.55 511.10 Td ($14.2 ) Tj ET Q q 0 0 0 rg BT 125.95 511.10 Td (million ) Tj ET Q q 0 0 0 rg BT 156.74 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.08 511.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 208.86 511.10 Td (per ) Tj ET Q q 0 0 0 rg BT 223.53 511.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 253.20 511.10 Td (common ) Tj ET Q q 0 0 0 rg BT 290.09 511.10 Td (share ) Tj ET Q q 0 0 0 rg BT 313.09 511.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 352.74 511.10 Td (by ) Tj ET Q q 0 0 0 rg BT 364.64 511.10 Td ($0.23. ) Tj ET Q q 0 0 0 rg BT 391.54 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 393.44 511.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 409.78 511.10 Td (income ) Tj ET Q q 0 0 0 rg BT 441.11 511.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 480.77 511.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.44 511.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 512.34 511.10 Td (as ) Tj ET Q q 0 0 0 rg BT 522.57 511.10 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.84 499.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 83.91 499.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 124.19 499.10 Td (as ) Tj ET Q q 0 0 0 rg BT 135.58 499.10 Td (a ) Tj ET Q q 0 0 0 rg BT 143.09 499.10 Td (result ) Tj ET Q q 0 0 0 rg BT 168.37 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.76 499.10 Td (an ) Tj ET Q q 0 0 0 rg BT 192.27 499.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 228.09 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.93 499.10 Td (net ) Tj ET Q q 0 0 0 rg BT 254.21 499.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 286.71 499.10 Td (income ) Tj ET Q q 0 0 0 rg BT 319.21 499.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 347.82 499.10 Td (by ) Tj ET Q q 0 0 0 rg BT 360.89 499.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 392.28 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.13 499.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 436.18 499.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 465.07 499.10 Td (an ) Tj ET Q q 0 0 0 rg BT 477.58 499.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 513.40 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.24 499.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 85.14 487.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 123.60 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.97 487.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 169.44 487.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 188.46 487.10 Td (on ) Tj ET Q q 0 0 0 rg BT 201.39 487.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 235.96 487.10 Td (call ) Tj ET Q q 0 0 0 rg BT 253.32 487.10 Td (options ) Tj ET Q q 0 0 0 rg BT 285.69 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.05 487.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 342.63 487.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 374.99 487.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 392.90 487.10 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 422.77 487.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 459.01 487.10 Td (of) Tj ET Q q 0 0 0 rg BT 467.16 487.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 484.53 487.10 Td (by ) Tj ET Q q 0 0 0 rg BT 497.45 487.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 538.13 487.10 Td (salary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.72 475.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 107.88 475.10 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 144.32 475.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 188.82 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.54 475.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 250.58 475.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 272.87 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.59 475.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 336.31 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 353.03 475.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 395.86 475.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 432.85 475.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 449.58 475.10 Td (income ) Tj ET Q q 0 0 0 rg BT 481.29 475.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 521.33 475.10 Td (in ) Tj ET Q q 0 0 0 rg BT 531.40 475.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 553.68 475.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 92.66 463.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.68 463.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 126.92 463.10 Td (as ) Tj ET Q q 0 0 0 rg BT 138.49 463.10 Td (a ) Tj ET Q q 0 0 0 rg BT 146.17 463.10 Td (result ) Tj ET Q q 0 0 0 rg BT 171.63 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.20 463.10 Td (an ) Tj ET Q q 0 0 0 rg BT 195.87 463.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 231.87 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 242.89 463.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 275.56 463.10 Td (income ) Tj ET Q q 0 0 0 rg BT 308.23 463.10 Td (on ) Tj ET Q q 0 0 0 rg BT 321.47 463.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 345.82 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.50 463.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 414.38 463.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 436.49 463.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 480.00 463.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 521.54 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 532.56 463.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.64 451.10 Td (on ) Tj ET Q q 0 0 0 rg BT 97.08 451.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 132.29 451.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.17 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.82 451.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 204.04 451.10 Td (for ) Tj ET Q q 0 0 0 rg BT 218.13 451.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 243.33 451.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 272.16 451.10 Td (as ) Tj ET Q q 0 0 0 rg BT 282.93 451.10 Td (well ) Tj ET Q q 0 0 0 rg BT 302.58 451.10 Td (as ) Tj ET Q q 0 0 0 rg BT 313.35 451.10 Td (an ) Tj ET Q q 0 0 0 rg BT 325.22 451.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 360.42 451.10 Td (in ) Tj ET Q q 0 0 0 rg BT 370.63 451.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 399.72 451.10 Td (management ) Tj ET Q q 0 0 0 rg BT 453.25 451.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 491.22 451.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 526.98 451.10 Td (of) Tj ET Q q 0 0 0 rg BT 535.13 451.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 552.00 451.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 90.25 439.10 Td (salary ) Tj ET Q q 0 0 0 rg BT 116.63 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.57 439.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 174.94 439.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 205.21 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.14 439.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 267.40 439.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 289.90 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.84 439.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 347.64 439.10 Td (in ) Tj ET Q q 0 0 0 rg BT 357.92 439.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 398.18 439.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 432.90 439.10 Td (revenue.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Net Inter) Tj ET Q q 0 0 0 rg BT 88.97 418.10 Td (est Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.44 397.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 100.99 397.10 Td (source ) Tj ET Q q 0 0 0 rg BT 128.98 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.21 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.32 397.10 Td (Company) Tj ET Q q 0 0 0 rg BT 194.99 397.10 Td (s ) Tj ET Q q 0 0 0 rg BT 200.77 397.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 234.31 397.10 Td (is ) Tj ET Q q 0 0 0 rg BT 242.88 397.10 Td (net ) Tj ET Q q 0 0 0 rg BT 256.99 397.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 288.32 397.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 322.14 397.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 338.48 397.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 369.80 397.10 Td (income ) Tj ET Q q 0 0 0 rg BT 401.13 397.10 Td (is ) Tj ET Q q 0 0 0 rg BT 409.70 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.81 397.10 Td (dif) Tj ET Q q 0 0 0 rg BT 434.74 397.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 466.04 397.10 Td (between ) Tj ET Q q 0 0 0 rg BT 501.25 397.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 397.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.22 385.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 84.10 385.10 Td (on ) Tj ET Q q 0 0 0 rg BT 95.88 385.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 127.65 385.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 155.26 385.10 Td (such ) Tj ET Q q 0 0 0 rg BT 175.38 385.10 Td (as ) Tj ET Q q 0 0 0 rg BT 185.49 385.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 208.38 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.60 385.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 266.65 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.87 385.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 314.08 385.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 348.07 385.10 Td (on ) Tj ET Q q 0 0 0 rg BT 359.85 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.85 385.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 412.85 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.41 385.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 442.52 385.10 Td (those ) Tj ET Q q 0 0 0 rg BT 465.42 385.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 493.03 385.10 Td (including ) Tj ET Q q 0 0 0 rg BT 532.58 385.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 82.09 373.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 116.97 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.51 373.10 Td (other ) Tj ET Q q 0 0 0 rg BT 156.16 373.10 Td (borrowings. ) Tj ET Q q 0 0 0 rg BT 206.17 373.10 Td (The ) Tj ET Q q 0 0 0 rg BT 223.82 373.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 255.92 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.35 373.10 Td (net ) Tj ET Q q 0 0 0 rg BT 280.67 373.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 312.21 373.10 Td (income ) Tj ET Q q 0 0 0 rg BT 343.74 373.10 Td (is ) Tj ET Q q 0 0 0 rg BT 352.52 373.10 Td (af) Tj ET Q q 0 0 0 rg BT 360.10 373.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 386.63 373.10 Td (by ) Tj ET Q q 0 0 0 rg BT 398.74 373.10 Td (both ) Tj ET Q q 0 0 0 rg BT 418.62 373.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 452.93 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 462.81 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.13 373.10 Td (level ) Tj ET Q q 0 0 0 rg BT 498.67 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.10 373.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 540.64 373.10 Td (rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.35 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.47 361.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 115.37 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.72 361.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 185.07 361.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.30 361.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 229.19 361.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 255.43 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.78 361.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 305.12 361.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 338.01 361.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 380.63 361.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 397.98 361.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 430.32 361.10 Td (mar) Tj ET Q q 0 0 0 rg BT 445.68 361.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 461.37 361.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 504.81 361.10 Td (tax-equivalent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (net ) Tj ET Q q 0 0 0 rg BT 64.72 349.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 96.65 349.10 Td (income ) Tj ET Q q 0 0 0 rg BT 128.58 349.10 Td (as ) Tj ET Q q 0 0 0 rg BT 139.41 349.10 Td (a ) Tj ET Q q 0 0 0 rg BT 146.35 349.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 192.15 349.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.98 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.70 349.10 Td (average ) Tj ET Q q 0 0 0 rg BT 251.28 349.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 283.77 349.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 309.60 349.10 Td (during ) Tj ET Q q 0 0 0 rg BT 338.21 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.92 349.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 328.10 Td (ax-equivalent ) Tj ET Q q 0 0 0 rg BT 112.59 328.10 Td (net ) Tj ET Q q 0 0 0 rg BT 127.57 328.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 159.77 328.10 Td (income ) Tj ET Q q 0 0 0 rg BT 191.96 328.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 328.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.50 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 225.27 328.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.24 328.10 Td ($646.2 ) Tj ET Q q 0 0 0 rg BT 285.50 328.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.40 328.10 Td (, ) Tj ET Q q 0 0 0 rg BT 319.66 328.10 Td (up ) Tj ET Q q 0 0 0 rg BT 332.42 328.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.62 328.10 Td ($601.7 ) Tj ET Q q 0 0 0 rg BT 384.89 328.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.78 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.54 328.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.08 328.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.08 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 449.84 328.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.04 328.10 Td ($552.9 ) Tj ET Q q 0 0 0 rg BT 497.31 328.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.20 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.96 328.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 328.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 328.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 102.14 316.10 Td (an ) Tj ET Q q 0 0 0 rg BT 114.30 316.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 149.78 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.83 316.10 Td ($44.5 ) Tj ET Q q 0 0 0 rg BT 186.04 316.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 220.16 316.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.21 316.10 Td (7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.54 316.10 Td (, ) Tj ET Q q 0 0 0 rg BT 249.76 316.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.25 316.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.25 316.10 Td ( ) Tj ET Q q 0 0 0 rg BT 282.97 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.13 316.10 Td (an ) Tj ET Q q 0 0 0 rg BT 312.29 316.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 347.76 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.81 316.10 Td ($48.8 ) Tj ET Q q 0 0 0 rg BT 384.03 316.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 418.14 316.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.19 316.10 Td (9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.52 316.10 Td (, ) Tj ET Q q 0 0 0 rg BT 447.74 316.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.24 316.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.24 316.10 Td (. ) Tj ET Q q 0 0 0 rg BT 483.27 316.10 Td (The ) Tj ET Q q 0 0 0 rg BT 501.53 316.10 Td (table ) Tj ET Q q 0 0 0 rg BT 523.69 316.10 Td (presented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (later ) Tj ET Q q 0 0 0 rg BT 70.57 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 81.15 304.10 Td (this ) Tj ET Q q 0 0 0 rg BT 98.40 304.10 Td (section, ) Tj ET Q q 0 0 0 rg BT 132.03 304.10 Td (titled ) Tj ET Q q 0 0 0 rg BT 155.39 304.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 197.07 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.65 304.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 240.44 304.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 273.23 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.47 304.10 Td (Expense, ) Tj ET Q q 0 0 0 rg BT 334.09 304.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 369.67 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.69 304.10 Td (dollar ) Tj ET Q q 0 0 0 rg BT 410.82 304.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 443.62 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.75 304.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 489.76 304.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.34 304.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 304.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.51 292.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 103.28 292.10 Td (by ) Tj ET Q q 0 0 0 rg BT 115.35 292.10 Td (major ) Tj ET Q q 0 0 0 rg BT 140.74 292.10 Td (category) Tj ET Q q 0 0 0 rg BT 174.52 292.10 Td (, ) Tj ET Q q 0 0 0 rg BT 179.08 292.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 226.69 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.54 292.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 270.81 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 280.66 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.94 292.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 327.00 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.40 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.69 292.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 384.29 292.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 406.90 292.10 Td (category ) Tj ET Q q 0 0 0 rg BT 443.39 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.90 292.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 494.17 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 504.02 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.31 292.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 535.36 292.10 Td (earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.16 280.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 81.20 280.10 Td (with ) Tj ET Q q 0 0 0 rg BT 101.80 280.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 132.95 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 143.55 280.10 Td (that ) Tj ET Q q 0 0 0 rg BT 161.37 280.10 Td (category ) Tj ET Q q 0 0 0 rg BT 198.62 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.78 280.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 235.93 280.10 Td (or ) Tj ET Q q 0 0 0 rg BT 247.09 280.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 287.13 280.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.62 280.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.62 280.10 Td ( ) Tj ET Q q 0 0 0 rg BT 324.45 280.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.71 280.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.71 280.10 Td (. ) Tj ET Q q 0 0 0 rg BT 366.41 280.10 Td (A) Tj ET Q q 0 0 0 rg BT 372.89 280.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 402.36 280.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 435.17 280.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 461.33 280.10 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.91 280.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 522.24 280.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.35 280.10 Td (, ) Tj ET Q q 0 0 0 rg BT 553.68 280.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (13%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.33 268.10 Td (, ) Tj ET Q q 0 0 0 rg BT 73.57 268.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.08 268.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.08 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.82 268.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.99 268.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 144.23 268.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.34 268.10 Td (, ) Tj ET Q q 0 0 0 rg BT 175.58 268.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.65 268.10 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.98 268.10 Td (, ) Tj ET Q q 0 0 0 rg BT 205.21 268.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.73 268.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.73 268.10 Td (. ) Tj ET Q q 0 0 0 rg BT 240.97 268.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 268.14 268.10 Td (are ) Tj ET Q q 0 0 0 rg BT 283.09 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.04 268.10 Td (most ) Tj ET Q q 0 0 0 rg BT 320.22 268.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 365.17 268.10 Td (component ) Tj ET Q q 0 0 0 rg BT 412.34 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.41 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.36 268.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 471.09 268.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 493.26 268.10 Td (base ) Tj ET Q q 0 0 0 rg BT 513.77 268.10 Td (as ) Tj ET Q q 0 0 0 rg BT 524.83 268.10 Td (they ) Tj ET Q q 0 0 0 rg BT 544.79 268.10 Td (earn ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.08 256.10 Td (at ) Tj ET Q q 0 0 0 rg BT 91.95 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 99.03 256.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 127.23 256.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 144.86 256.10 Td (than ) Tj ET Q q 0 0 0 rg BT 164.73 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.59 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 202.79 256.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 235.42 256.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 263.31 256.10 Td (A) Tj ET Q q 0 0 0 rg BT 269.79 256.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 299.08 256.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 325.34 256.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 367.42 256.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 401.72 256.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 427.97 256.10 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.37 256.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 488.52 256.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.64 256.10 Td (, ) Tj ET Q q 0 0 0 rg BT 519.78 256.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.76 256.10 Td (15%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.09 256.10 Td (, ) Tj ET Q q 0 0 0 rg BT 554.24 256.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.96 244.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.36 244.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 110.82 244.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.93 244.10 Td (, ) Tj ET Q q 0 0 0 rg BT 142.39 244.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.68 244.10 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.01 244.10 Td (, ) Tj ET Q q 0 0 0 rg BT 177.47 244.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.21 244.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.21 244.10 Td (. ) Tj ET Q q 0 0 0 rg BT 213.46 244.10 Td (T) Tj ET Q q 0 0 0 rg BT 218.87 244.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 236.83 244.10 Td (average ) Tj ET Q q 0 0 0 rg BT 270.87 244.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 297.44 244.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 339.83 244.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 374.44 244.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 401.01 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 412.30 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 419.70 244.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 465.96 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.25 244.10 Td (total ) Tj ET Q q 0 0 0 rg BT 497.98 244.10 Td (average ) Tj ET Q q 0 0 0 rg BT 532.03 244.10 Td (earning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.81 232.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.72 232.10 Td (83%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.05 232.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.04 232.10 Td (82%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.37 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 141.85 232.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.77 232.10 Td (81%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.10 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.58 232.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.85 232.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.85 232.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.83 232.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.83 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 237.31 232.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.23 232.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.23 232.10 Td (, ) Tj ET Q q 0 0 0 rg BT 279.22 232.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 326.88 232.10 Td (. ) Tj ET Q q 0 0 0 rg BT 331.68 232.10 Td (The ) Tj ET Q q 0 0 0 rg BT 349.71 232.10 Td (average ) Tj ET Q q 0 0 0 rg BT 383.28 232.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 405.76 232.10 Td (on ) Tj ET Q q 0 0 0 rg BT 418.24 232.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 444.33 232.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 486.25 232.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 520.38 232.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 546.47 232.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (4.01%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.83 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.86 220.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.67 220.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.67 220.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.21 220.10 Td (4.23%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.04 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.07 220.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.88 220.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.88 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.91 220.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.38 220.10 Td (4.34%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.21 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 224.24 220.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.05 220.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.05 220.10 Td (, ) Tj ET Q q 0 0 0 rg BT 260.59 220.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 301.93 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 309.40 220.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 346.85 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.21 220.10 Td (22 ) Tj ET Q q 0 0 0 rg BT 371.24 220.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 394.27 220.10 Td (points ) Tj ET Q q 0 0 0 rg BT 421.75 220.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.56 220.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.56 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 455.60 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.07 220.10 Td (a ) Tj ET Q q 0 0 0 rg BT 480.54 220.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 517.98 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.35 220.10 Td (1) Tj ET Q q 0 0 0 rg BT 533.97 220.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 542.01 220.10 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (points ) Tj ET Q q 0 0 0 rg BT 77.10 208.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.52 208.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.52 208.10 Td (. ) Tj ET Q q 0 0 0 rg BT 112.48 208.10 Td (The ) Tj ET Q q 0 0 0 rg BT 130.68 208.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 156.10 208.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 175.96 208.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 202.50 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 212.92 208.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 235.57 208.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 277.65 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 288.07 208.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 310.72 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.81 208.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 350.46 208.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 392.53 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.96 208.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 425.61 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 440.46 208.10 Td (a ) Tj ET Q q 0 0 0 rg BT 447.55 208.10 Td (result ) Tj ET Q q 0 0 0 rg BT 472.42 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.40 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.26 208.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 534.78 208.10 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.57 196.10 Td (both ) Tj ET Q q 0 0 0 rg BT 80.58 196.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 130.03 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.71 196.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 187.81 196.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 218.38 196.10 Td (pressures. ) Tj ET Q q 0 0 0 rg BT 260.33 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 262.40 196.10 Td (The ) Tj ET Q q 0 0 0 rg BT 280.19 196.10 Td (average ) Tj ET Q q 0 0 0 rg BT 313.51 196.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 330.73 196.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 350.19 196.10 Td (on ) Tj ET Q q 0 0 0 rg BT 362.43 196.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 394.10 196.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 426.32 196.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 463.84 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.29 196.10 Td (lar) Tj ET Q q 0 0 0 rg BT 488.66 196.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 507.00 196.10 Td (component ) Tj ET Q q 0 0 0 rg BT 553.67 196.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.60 184.10 Td (Company) Tj ET Q q 0 0 0 rg BT 106.27 184.10 Td (s ) Tj ET Q q 0 0 0 rg BT 112.54 184.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 144.36 184.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 176.73 184.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 218.83 184.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.77 184.10 Td (0.37%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.60 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 264.98 184.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.14 184.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.14 184.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.03 184.10 Td (0.39%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.86 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.24 184.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.40 184.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.40 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 360.79 184.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.61 184.10 Td (0.45%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.44 184.10 Td ( ) Tj ET Q q 0 0 0 rg BT 405.83 184.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.99 184.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.99 184.10 Td (, ) Tj ET Q q 0 0 0 rg BT 440.87 184.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 492.68 184.10 Td (a ) Tj ET Q q 0 0 0 rg BT 499.50 184.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 536.30 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.02 184.10 Td (two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.28 172.10 Td (points ) Tj ET Q q 0 0 0 rg BT 99.02 172.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.08 172.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.08 172.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.36 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.09 172.10 Td (six ) Tj ET Q q 0 0 0 rg BT 162.04 172.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 184.32 172.10 Td (points ) Tj ET Q q 0 0 0 rg BT 211.06 172.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.12 172.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.12 172.10 Td (. ) Tj ET Q q 0 0 0 rg BT 245.74 172.10 Td (The ) Tj ET Q q 0 0 0 rg BT 263.57 172.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 288.62 172.10 Td (level ) Tj ET Q q 0 0 0 rg BT 310.34 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.95 172.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 352.67 172.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 384.94 172.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 420.00 172.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 441.16 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.23 172.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 473.51 172.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 515.22 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.28 172.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 547.57 172.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 72.43 160.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 114.29 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.50 160.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 146.93 160.10 Td (was ) Tj ET Q q 0 0 0 rg BT 164.92 160.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 204.56 160.10 Td (due ) Tj ET Q q 0 0 0 rg BT 221.44 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.65 160.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 273.51 160.10 Td (downward ) Tj ET Q q 0 0 0 rg BT 318.16 160.10 Td (re-pricing ) Tj ET Q q 0 0 0 rg BT 360.02 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.78 160.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 393.75 160.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 428.97 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 439.18 160.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 466.03 160.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 492.07 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 493.96 160.10 Td (As ) Tj ET Q q 0 0 0 rg BT 507.51 160.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.38 160.10 Td (result ) Tj ET Q q 0 0 0 rg BT 539.03 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 160.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 78.88 148.10 Td (net ) Tj ET Q q 0 0 0 rg BT 93.59 148.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 125.53 148.10 Td (mar) Tj ET Q q 0 0 0 rg BT 140.89 148.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 156.17 148.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 198.09 148.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.36 148.10 Td (3.36%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.19 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 236.69 148.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.97 148.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.97 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 269.47 148.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 311.40 148.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.67 148.10 Td (3.53%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.50 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 350.00 148.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.28 148.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.28 148.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 67.63 127.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 100.26 127.10 Td (income ) Tj ET Q q 0 0 0 rg BT 132.89 127.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.53 127.10 Td (net ) Tj ET Q q 0 0 0 rg BT 165.94 127.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 198.57 127.10 Td (mar) Tj ET Q q 0 0 0 rg BT 213.94 127.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 229.91 127.10 Td (were ) Tj ET Q q 0 0 0 rg BT 252.53 127.10 Td (also ) Tj ET Q q 0 0 0 rg BT 271.84 127.10 Td (af) Tj ET Q q 0 0 0 rg BT 279.43 127.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 307.05 127.10 Td (by ) Tj ET Q q 0 0 0 rg BT 320.24 127.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 373.97 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.50 127.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 425.91 127.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 476.88 127.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.85 127.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 521.03 127.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 547.56 127.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 115.48 115.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 155.44 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.50 115.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 203.66 115.10 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 251.12 115.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 278.85 115.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.80 115.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 340.42 115.10 Td (method ) Tj ET Q q 0 0 0 rg BT 373.15 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.21 115.10 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 433.32 115.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 459.39 115.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.56 115.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 516.51 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.58 115.10 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 93.67 103.10 Td (are ) Tj ET Q q 0 0 0 rg BT 107.33 103.10 Td (required ) Tj ET Q q 0 0 0 rg BT 142.10 103.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.33 103.10 Td (be ) Tj ET Q q 0 0 0 rg BT 162.22 103.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 207.53 103.10 Td (at ) Tj ET Q q 0 0 0 rg BT 216.20 103.10 Td (their ) Tj ET Q q 0 0 0 rg BT 235.98 103.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 275.75 103.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 291.08 103.10 Td (value ) Tj ET Q q 0 0 0 rg BT 314.19 103.10 Td (at ) Tj ET Q q 0 0 0 rg BT 322.85 103.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.52 103.10 Td (date ) Tj ET Q q 0 0 0 rg BT 354.63 103.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.41 103.10 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 412.14 103.10 Td (These ) Tj ET Q q 0 0 0 rg BT 437.47 103.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 476.13 103.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 525.36 103.10 Td (represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.25 91.10 Td (dif) Tj ET Q q 0 0 0 rg BT 76.18 91.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 108.62 91.10 Td (between ) Tj ET Q q 0 0 0 rg BT 144.97 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.22 91.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 201.57 91.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 218.48 91.10 Td (value ) Tj ET Q q 0 0 0 rg BT 243.16 91.10 Td (and ) Tj ET Q q 0 0 0 rg BT 260.63 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.88 91.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 312.23 91.10 Td (value ) Tj ET Q q 0 0 0 rg BT 336.91 91.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.27 91.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 374.64 91.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.11 91.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 432.35 91.10 Td (acquired. ) Tj ET Q q 0 0 0 rg BT 472.09 91.10 Td (These ) Tj ET Q q 0 0 0 rg BT 499.00 91.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 549.80 91.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 92.00 79.10 Td (into ) Tj ET Q q 0 0 0 rg BT 109.57 79.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 141.02 79.10 Td (income ) Tj ET Q q 0 0 0 rg BT 172.48 79.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.93 79.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 220.38 79.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 254.61 79.10 Td (based ) Tj ET Q q 0 0 0 rg BT 279.40 79.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 301.41 79.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.65 79.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 355.99 79.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 398.55 79.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 419.45 79.10 Td (of ) Tj ET Q q 0 0 0 rg BT 429.80 79.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.04 79.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 469.38 79.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.84 79.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 525.08 79.10 Td (acquired, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 87.49 67.10 Td (on ) Tj ET Q q 0 0 0 rg BT 99.99 67.10 Td (an ) Tj ET Q q 0 0 0 rg BT 111.93 67.10 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 159.38 67.10 Td (basis.) Tj ET Q endstream endobj 117 0 obj <> endobj 118 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (58) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.48 742.25 Td (verage Balance Sheets, Inter) Tj ET Q q 0 0 0 rg BT 177.38 742.25 Td (est Income and Expense, and Inter) Tj ET Q q 0 0 0 rg BT 324.99 742.25 Td (est Rate ) Tj ET Q q 0 0 0 rg BT 361.27 742.25 Td (Y) Tj ET Q q 0 0 0 rg BT 368.12 742.25 Td (ields and Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.66 721.25 Td (following ) Tj ET Q q 0 0 0 rg BT 108.66 721.25 Td (table ) Tj ET Q q 0 0 0 rg BT 130.20 721.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 147.31 721.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 168.86 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.19 721.25 Td (average ) Tj ET Q q 0 0 0 rg BT 216.39 721.25 Td (balances, ) Tj ET Q q 0 0 0 rg BT 255.42 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.75 721.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 301.30 721.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 330.06 721.25 Td (or ) Tj ET Q q 0 0 0 rg BT 340.50 721.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 359.83 721.25 Td (thereon, ) Tj ET Q q 0 0 0 rg BT 394.42 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 410.97 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 425.30 721.25 Td (ef) Tj ET Q q 0 0 0 rg BT 432.89 721.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 462.20 721.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 493.75 721.25 Td (rate, ) Tj ET Q q 0 0 0 rg BT 513.35 721.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 535.45 721.25 Td (or ) Tj ET Q q 0 0 0 rg BT 545.90 721.25 Td (cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.66 709.25 Td (each ) Tj ET Q q 0 0 0 rg BT 85.98 709.25 Td (major ) Tj ET Q q 0 0 0 rg BT 112.31 709.25 Td (category ) Tj ET Q q 0 0 0 rg BT 149.73 709.25 Td (of ) Tj ET Q q 0 0 0 rg BT 161.06 709.25 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 226.82 709.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 253.15 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 270.59 709.25 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 336.34 709.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 376.56 709.25 Td (for ) Tj ET Q q 0 0 0 rg BT 391.22 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 406.44 709.25 Td (years ) Tj ET Q q 0 0 0 rg BT 430.54 709.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.42 709.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 516.50 709.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.50 709.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.01 709.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.12 697.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.12 697.25 Td (. ) Tj ET Q q 0 0 0 rg BT 92.10 697.25 Td (The ) Tj ET Q q 0 0 0 rg BT 110.32 697.25 Td (yields ) Tj ET Q q 0 0 0 rg BT 136.89 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 154.00 697.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 176.68 697.25 Td (include ) Tj ET Q q 0 0 0 rg BT 208.79 697.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 228.69 697.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 275.24 697.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 294.02 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 311.14 697.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 341.02 697.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 366.46 697.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 413.02 697.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 435.69 697.25 Td (that ) Tj ET Q q 0 0 0 rg BT 453.36 697.25 Td (are ) Tj ET Q q 0 0 0 rg BT 468.25 697.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 514.24 697.25 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.66 685.25 Td (yields. ) Tj ET Q q 0 0 0 rg BT 87.93 685.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 119.80 685.25 Td (income ) Tj ET Q q 0 0 0 rg BT 151.12 685.25 Td (on ) Tj ET Q q 0 0 0 rg BT 163.01 685.25 Td (non-accruing ) Tj ET Q q 0 0 0 rg BT 217.65 685.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 240.64 685.25 Td (is ) Tj ET Q q 0 0 0 rg BT 249.19 685.25 Td (reflected ) Tj ET Q q 0 0 0 rg BT 286.05 685.25 Td (in ) Tj ET Q q 0 0 0 rg BT 295.71 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.81 685.25 Td (year ) Tj ET Q q 0 0 0 rg BT 328.91 685.25 Td (that ) Tj ET Q q 0 0 0 rg BT 345.79 685.25 Td (it ) Tj ET Q q 0 0 0 rg BT 353.23 685.25 Td (is ) Tj ET Q q 0 0 0 rg BT 361.78 685.25 Td (collected, ) Tj ET Q q 0 0 0 rg BT 402.26 685.25 Td (to ) Tj ET Q q 0 0 0 rg BT 411.92 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 426.02 685.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 452.34 685.25 Td (it ) Tj ET Q q 0 0 0 rg BT 459.78 685.25 Td (is ) Tj ET Q q 0 0 0 rg BT 468.33 685.25 Td (not ) Tj ET Q q 0 0 0 rg BT 483.00 685.25 Td (applied ) Tj ET Q q 0 0 0 rg BT 514.32 685.25 Td (to ) Tj ET Q q 0 0 0 rg BT 523.98 685.25 Td (principal. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 72.61 673.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 109.11 673.25 Td (are ) Tj ET Q q 0 0 0 rg BT 123.93 673.25 Td (not ) Tj ET Q q 0 0 0 rg BT 139.32 673.25 Td (material ) Tj ET Q q 0 0 0 rg BT 174.69 673.25 Td (to ) Tj ET Q q 0 0 0 rg BT 185.08 673.25 Td (net ) Tj ET Q q 0 0 0 rg BT 199.91 673.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 231.96 673.25 Td (income ) Tj ET Q q 0 0 0 rg BT 264.00 673.25 Td (or ) Tj ET Q q 0 0 0 rg BT 274.95 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 289.78 673.25 Td (net ) Tj ET Q q 0 0 0 rg BT 304.60 673.25 Td (change ) Tj ET Q q 0 0 0 rg BT 335.53 673.25 Td (in ) Tj ET Q q 0 0 0 rg BT 345.92 673.25 Td (net ) Tj ET Q q 0 0 0 rg BT 360.75 673.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 392.80 673.25 Td (income ) Tj ET Q q 0 0 0 rg BT 424.84 673.25 Td (in ) Tj ET Q q 0 0 0 rg BT 435.23 673.25 Td (any ) Tj ET Q q 0 0 0 rg BT 452.29 673.25 Td (year) Tj ET Q q 0 0 0 rg BT 468.94 673.25 Td (. ) Tj ET Q q 0 0 0 rg BT 474.05 673.25 Td (Non-accrual ) Tj ET Q q 0 0 0 rg BT 526.08 673.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 549.80 673.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (included ) Tj ET Q q 0 0 0 rg BT 86.71 661.25 Td (in ) Tj ET Q q 0 0 0 rg BT 96.76 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.25 661.25 Td (average ) Tj ET Q q 0 0 0 rg BT 144.61 661.25 Td (balances. ) Tj ET Q q 0 0 0 rg BT 183.81 661.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 200.53 661.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 232.24 661.25 Td (income ) Tj ET Q q 0 0 0 rg BT 263.95 661.25 Td (and ) Tj ET Q q 0 0 0 rg BT 280.66 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 295.15 661.25 Td (related ) Tj ET Q q 0 0 0 rg BT 324.63 661.25 Td (net ) Tj ET Q q 0 0 0 rg BT 339.12 661.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 370.83 661.25 Td (mar) Tj ET Q q 0 0 0 rg BT 386.20 661.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 401.25 661.25 Td (have ) Tj ET Q q 0 0 0 rg BT 422.40 661.25 Td (been ) Tj ET Q q 0 0 0 rg BT 443.55 661.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 479.16 661.25 Td (to ) Tj ET Q q 0 0 0 rg BT 489.21 661.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 517.02 661.25 Td (tax-exempt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 83.76 649.25 Td (such ) Tj ET Q q 0 0 0 rg BT 103.91 649.25 Td (as ) Tj ET Q q 0 0 0 rg BT 114.06 649.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 145.32 649.25 Td (on ) Tj ET Q q 0 0 0 rg BT 157.14 649.25 Td (municipal ) Tj ET Q q 0 0 0 rg BT 198.95 649.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 238.54 649.25 Td (and ) Tj ET Q q 0 0 0 rg BT 254.80 649.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 280.23 649.25 Td (on ) Tj ET Q q 0 0 0 rg BT 292.06 649.25 Td (a ) Tj ET Q q 0 0 0 rg BT 298.32 649.25 Td (tax-equivalent ) Tj ET Q q 0 0 0 rg BT 357.34 649.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 381.53 649.25 Td (This ) Tj ET Q q 0 0 0 rg BT 401.13 649.25 Td (table ) Tj ET Q q 0 0 0 rg BT 422.39 649.25 Td (should ) Tj ET Q q 0 0 0 rg BT 450.88 649.25 Td (be ) Tj ET Q q 0 0 0 rg BT 462.14 649.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 495.60 649.25 Td (to ) Tj ET Q q 0 0 0 rg BT 505.20 649.25 Td (in ) Tj ET Q q 0 0 0 rg BT 514.80 649.25 Td (conjunction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 637.25 Td (this ) Tj ET Q q 0 0 0 rg BT 87.23 637.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 121.94 637.25 Td (and ) Tj ET Q q 0 0 0 rg BT 138.88 637.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 183.05 637.25 Td (of ) Tj ET Q q 0 0 0 rg BT 193.88 637.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.60 637.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 246.08 637.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 286.35 637.25 Td (and ) Tj ET Q q 0 0 0 rg BT 303.29 637.25 Td (results ) Tj ET Q q 0 0 0 rg BT 331.90 637.25 Td (of ) Tj ET Q q 0 0 0 rg BT 342.73 637.25 Td (operations.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 593.75 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 593.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 593.75 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 593.75 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 593.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 593.75 36.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 593.75 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 593.75 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 593.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 593.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 593.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 570.75 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 570.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 570.75 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 570.75 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 570.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 570.75 36.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 570.75 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 570.75 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 570.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 570.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 570.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 540.75 119.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 540.75 45.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 540.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 540.75 46.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 540.75 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 540.75 36.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 540.75 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 540.75 35.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 540.75 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 540.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 540.75 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 510.75 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 510.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 510.75 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 510.75 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 510.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 510.75 36.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 510.75 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 510.75 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 510.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 510.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 510.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 486.75 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 486.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 486.75 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 486.75 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 486.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 486.75 36.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 486.75 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 486.75 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 486.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 486.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 486.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 462.75 119.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 462.75 45.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 462.75 41.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 462.75 46.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 462.75 40.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 462.75 36.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 462.75 38.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 462.75 35.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 462.75 40.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 462.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 462.75 40.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 434.75 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 434.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 434.75 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 434.75 46.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 434.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 434.75 36.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 434.75 38.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 434.75 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 434.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 434.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 434.75 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 410.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 410.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 410.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 410.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 410.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 410.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 410.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 410.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 410.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 410.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 410.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 388.75 119.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 388.75 45.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 388.75 41.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 388.75 46.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 388.75 40.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 388.75 36.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 388.75 38.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 388.75 35.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 388.75 40.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 388.75 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 388.75 40.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 360.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 360.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 360.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 360.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 360.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 360.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 360.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 360.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 360.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 360.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 360.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 338.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 338.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 338.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 338.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 338.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 338.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 338.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 338.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 338.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 338.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 338.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 316.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 316.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 316.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 316.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 316.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 316.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 316.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 316.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 316.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 316.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 316.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 294.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 294.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 294.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 294.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 294.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 294.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 294.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 294.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 294.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 294.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 294.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 272.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 272.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 272.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 272.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 272.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 272.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 272.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 272.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 272.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 272.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 272.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 250.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 250.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 250.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 250.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 250.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 250.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 250.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 250.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 250.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 250.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 250.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 228.75 119.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 228.75 45.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 228.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 228.75 46.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 228.75 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 228.75 36.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 228.75 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 228.75 35.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 228.75 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 228.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 228.75 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 199.75 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 199.75 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 199.75 41.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 199.75 46.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 309.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 199.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 199.75 36.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 393.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 199.75 38.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 199.75 35.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 199.75 40.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 199.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 199.75 40.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 626.75 m 214.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 609.75 m 214.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 626.75 m 218.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 609.75 m 218.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 626.75 m 259.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 609.75 m 259.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 626.75 m 263.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 609.75 m 263.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 626.75 m 309.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 609.75 m 309.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 626.75 m 313.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 609.75 m 313.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 626.75 m 353.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 609.75 m 353.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 626.75 m 357.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 609.75 m 357.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 626.75 m 393.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 609.75 m 393.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 626.75 m 397.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 609.75 m 397.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 626.75 m 435.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 609.75 m 435.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 626.75 m 439.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 609.75 m 439.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 626.75 m 474.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 609.75 m 474.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 626.75 m 478.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 609.75 m 478.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 626.75 m 518.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 609.75 m 518.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 626.75 m 522.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 609.75 m 522.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 626.75 m 562.5 626.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 609.75 m 562.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 593.75 m 169.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 593.75 m 214.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 593.75 m 218.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 609.75 m 259.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 593.75 m 259.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 593.75 m 263.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 609.75 m 309.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 593.75 m 309.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 593.75 m 313.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 609.75 m 353.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 593.75 m 353.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 609.75 m 357.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 593.75 m 357.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 609.75 m 393.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 593.75 m 393.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 609.75 m 397.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 593.75 m 397.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 609.75 m 435.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 593.75 m 435.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 593.75 m 439.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 609.75 m 474.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 593.75 m 474.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 609.75 m 478.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 593.75 m 478.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 609.75 m 518.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 593.75 m 518.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 609.75 m 522.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 593.75 m 522.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 609.75 m 562.5 609.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 593.75 m 562.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 593.75 m 518.5 593.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 522.75 m 214.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 522.75 m 218.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 522.75 m 259.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 522.75 m 263.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 522.75 m 309.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 522.75 m 313.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 522.75 m 353.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 522.75 m 357.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 522.75 m 393.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 522.75 m 397.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 522.75 m 435.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 522.75 m 439.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 522.75 m 474.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 522.75 m 478.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 522.75 m 518.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 522.75 m 522.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 522.75 m 562.5 522.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 474.75 m 214.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 474.75 m 218.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 474.75 m 259.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 474.75 m 263.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 474.75 m 309.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 474.75 m 313.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 474.75 m 353.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 474.75 m 357.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 474.75 m 393.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 474.75 m 397.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 474.75 m 435.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 474.75 m 439.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 474.75 m 474.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 474.75 m 478.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 474.75 m 518.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 474.75 m 522.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 474.75 m 562.5 474.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 462.75 m 214.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 462.75 m 218.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 462.75 m 259.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 462.75 m 263.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 462.75 m 309.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 462.75 m 313.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 462.75 m 353.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 462.75 m 357.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 462.75 m 393.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 462.75 m 397.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 462.75 m 435.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 462.75 m 439.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 462.75 m 474.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 462.75 m 478.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 462.75 m 518.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 462.75 m 522.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 462.75 m 562.5 462.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 422.75 m 214.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 422.75 m 218.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 422.75 m 259.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 422.75 m 263.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 422.75 m 309.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 422.75 m 313.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 422.75 m 353.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 422.75 m 357.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 422.75 m 393.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 422.75 m 397.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 422.75 m 435.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 422.75 m 439.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 422.75 m 474.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 422.75 m 478.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 422.75 m 518.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 422.75 m 522.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 422.75 m 562.5 422.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 410.75 m 169.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 410.75 m 214.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 410.75 m 218.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 410.75 m 259.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 410.75 m 263.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 410.75 m 309.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 410.75 m 313.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 410.75 m 353.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 410.75 m 357.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 410.75 m 393.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 410.75 m 397.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 410.75 m 435.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 410.75 m 439.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 410.75 m 474.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 410.75 m 478.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 410.75 m 518.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 410.75 m 522.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 410.75 m 562.5 410.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 327.75 m 214.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 327.75 m 218.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 327.75 m 259.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 327.75 m 263.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 327.75 m 309.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 327.75 m 313.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 327.75 m 353.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 327.75 m 357.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 327.75 m 393.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 327.75 m 397.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 327.75 m 435.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 327.75 m 439.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 327.75 m 474.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 327.75 m 478.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 327.75 m 518.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 327.75 m 522.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 327.75 m 562.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 327.75 m 259.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 327.75 m 309.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 327.75 m 353.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 327.75 m 435.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 327.75 m 474.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 327.75 m 518.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 272.75 m 214.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 272.75 m 218.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 272.75 m 259.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 272.75 m 263.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 272.75 m 309.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 272.75 m 313.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 272.75 m 353.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 272.75 m 357.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 272.75 m 393.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 272.75 m 397.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 272.75 m 435.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 272.75 m 439.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 272.75 m 474.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 272.75 m 478.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 272.75 m 518.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 272.75 m 522.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 272.75 m 562.5 272.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 228.75 m 214.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 228.75 m 218.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 228.75 m 259.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 228.75 m 263.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 228.75 m 309.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 228.75 m 313.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 228.75 m 353.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 228.75 m 357.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 228.75 m 393.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 228.75 m 397.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 228.75 m 435.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 228.75 m 439.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 228.75 m 474.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 228.75 m 478.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 228.75 m 518.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 228.75 m 522.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 228.75 m 562.5 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 210.75 m 214.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 210.75 m 218.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 210.75 m 259.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 210.75 m 263.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 210.75 m 309.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 210.75 m 313.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 210.75 m 353.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 210.75 m 357.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 210.75 m 393.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 210.75 m 397.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 210.75 m 435.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 210.75 m 439.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 210.75 m 474.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 210.75 m 478.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 210.75 m 518.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 210.75 m 522.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 210.75 m 562.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 210.75 m 474.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 210.75 m 518.5 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 188.75 m 214.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 188.75 m 218.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 188.75 m 259.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 188.75 m 263.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 188.75 m 309.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 188.75 m 313.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 188.75 m 353.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 188.75 m 357.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 188.75 m 393.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 188.75 m 397.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 188.75 m 435.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 188.75 m 439.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 188.75 m 474.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 188.75 m 478.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 188.75 m 518.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 188.75 m 522.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 188.75 m 562.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 173.75 m 169.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 173.75 m 214.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 173.75 m 218.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 173.75 m 259.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 173.75 m 263.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 173.75 m 309.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 309.5 173.75 m 313.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 188.75 m 353.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 173.75 m 353.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 173.75 m 357.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 173.75 m 393.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 393.5 173.75 m 397.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 188.75 m 435.5 188.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 173.75 m 435.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 173.75 m 439.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 173.75 m 474.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 173.75 m 478.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 173.75 m 518.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 173.75 m 522.5 173.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 173.75 m 562.5 173.75 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 614.00 Td () Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 214.05 619.51 Td (A) Tj ET Q q 0 0 0 rg BT 218.59 619.51 Td (verage Balance) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 189.70 612.51 Td ( for) Tj ET Q q 0 0 0 rg BT 200.26 612.51 Td ( the year) Tj ET Q q 0 0 0 rg BT 226.18 612.51 Td ( ended December) Tj ET Q q 0 0 0 rg BT 277.76 612.51 Td ( 31,) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 362.40 619.51 Td (Inter) Tj ET Q q 0 0 0 rg BT 377.44 619.51 Td (est ) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 325.55 612.51 Td (for) Tj ET Q q 0 0 0 rg BT 334.36 612.51 Td ( the year) Tj ET Q q 0 0 0 rg BT 360.28 612.51 Td ( ended December) Tj ET Q q 0 0 0 rg BT 411.86 612.51 Td ( 31,) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 484.65 619.51 Td (Y) Tj ET Q q 0 0 0 rg BT 489.45 619.51 Td (ield/Rate ) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 452.05 612.51 Td (for) Tj ET Q q 0 0 0 rg BT 460.86 612.51 Td ( the year) Tj ET Q q 0 0 0 rg BT 486.78 612.51 Td ( ended December) Tj ET Q q 0 0 0 rg BT 538.36 612.51 Td ( 31,) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 597.80 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 184.50 597.81 Td (2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 231.50 597.80 Td (2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.00 597.80 Td (2013) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 326.00 597.81 Td (2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 368.00 597.80 Td (2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.00 597.80 Td (2013) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 449.50 597.81 Td (2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.00 597.80 Td (2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 535.00 597.80 Td (2013) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 586.51 Td (Assets) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 574.40 Td (Interest bearing deposits with banks) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 574.51 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 574.51 Td (524,163) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 574.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 574.40 Td (523,660) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 574.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 574.40 Td (612,205) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 316.00 574.51 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 574.51 Td (1,486) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.00 574.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 574.40 Td (1,472) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.00 574.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.40 574.40 Td (1,644) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 574.51 Td (0.28) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 574.51 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 574.40 Td (0.28) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 574.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 574.40 Td (0.27) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 574.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 563.40 Td (Investment securities) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 562.81 Td (2,371,930) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 562.80 Td (2,142,619) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 562.80 Td (1,846,988) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 331.40 562.81 Td (64,227) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 371.35 562.80 Td (54,951) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 562.80 Td (38,432) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 562.81 Td (2.71) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 562.80 Td (2.56) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 562.80 Td (2.08) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 551.40 Td (Federal Home Loan Bank and Federal) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 544.40 Td (Reserve Bank stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 192.40 544.81 Td (90,004) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 237.40 544.80 Td (81,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 282.75 544.80 Td (78,532) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 544.81 Td (3,232) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 544.80 Td (2,920) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.40 544.80 Td (2,773) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 544.81 Td (3.59) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 544.80 Td (3.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 544.80 Td (3.53) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 533.40 Td (Federal funds sold and securities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 526.40 Td (purchased under resale agreements) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 195.90 526.81 Td (6,409) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 237.40 526.80 Td (14,171) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 282.75 526.80 Td (19,498) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 347.15 526.81 Td (4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 383.65 526.80 Td (25) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 422.15 526.80 Td (27) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 526.81 Td (0.05) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 526.80 Td (0.17) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 526.80 Td (0.14) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 514.80 Td (T) Tj ET Q q 0 0 0 rg BT 56.79 514.80 Td (otal liquidity management assets ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 150.10 517.97 Td (\(1\) \(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 514.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 514.81 Td (2,992,506) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 514.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 514.80 Td (2,761,450) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 514.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 514.80 Td (2,557,223) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 316.00 514.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 331.40 514.81 Td (68,949) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.00 514.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 371.35 514.80 Td (59,368) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.00 514.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 514.80 Td (42,876) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 514.81 Td (2.30) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 514.81 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 514.80 Td (2.15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 514.80 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 514.80 Td (1.68) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 514.80 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 502.80 Td (Other earning assets ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 111.51 505.97 Td (\(1\)\(2\) \(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 192.40 502.81 Td (30,161) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 237.40 502.80 Td (28,699) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 282.75 502.80 Td (26,554) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 340.15 502.81 Td (962) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 380.15 502.80 Td (916) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.65 502.80 Td (816) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 502.81 Td (3.19) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 502.80 Td (3.19) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 502.80 Td (3.07) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 490.80 Td (Loans, net of unearned income ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 141.25 493.97 Td (\(1\)\(3\) \(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 180.10 490.81 Td (16,022,371) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 225.10 490.80 Td (13,958,842) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 270.50 490.80 Td (12,742,202) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 327.85 490.81 Td (641,917) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 367.85 490.80 Td (590,620) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.35 490.80 Td (553,035) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 490.81 Td (4.01) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 490.80 Td (4.23) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 490.80 Td (4.34) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 479.40 Td (Covered loans) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 478.81 Td (186,427) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 478.80 Td (280,946) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 478.80 Td (462,518) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 331.40 478.81 Td (11,345) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 371.35 478.80 Td (23,532) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 478.80 Td (36,242) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 478.81 Td (6.09) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 478.80 Td (8.38) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 478.80 Td (7.84) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 63.00 466.80 Td (T) Tj ET Q q 0 0 0 rg BT 66.79 466.80 Td (otal earning assets ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 119.85 469.97 Td (\(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 466.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 180.10 466.81 Td (19,231,465) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 466.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 225.10 466.80 Td (17,029,937) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 466.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 270.50 466.80 Td (15,788,497) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 316.00 466.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 327.85 466.81 Td (723,173) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.00 466.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 367.85 466.80 Td (674,436) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.00 466.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.35 466.80 Td (632,969) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 466.81 Td (3.76) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 466.81 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 466.80 Td (3.96) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 466.80 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 466.80 Td (4.01) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 466.80 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 455.40 Td (Allowance for loan and covered loan) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 448.45 Td (losses) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 186.55 450.81 Td (\(103,459) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 211.65 450.81 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 231.55 450.80 Td (\(100,586) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 256.65 450.80 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 276.90 450.80 Td (\(124,970) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 302.00 450.80 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 439.40 Td (Cash and due from banks) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 438.81 Td (249,488) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 438.80 Td (234,194) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 438.80 Td (222,453) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 427.40 Td (Other assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 426.81 Td (1,632,279) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 426.80 Td (1,535,913) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 426.80 Td (1,582,269) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.00 426.80 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 525.00 426.80 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 415.40 Td (Total assets) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 414.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 180.10 414.81 Td (21,009,773) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 414.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 225.10 414.80 Td (18,699,458) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 414.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 270.50 414.80 Td (17,468,249) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.00 414.80 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 525.00 414.80 Td () Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 403.51 Td (Liabilities and Shareholders Equity) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 392.40 Td (Deposits interest bearing:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 381.40 Td (NOW and interest bearing demand) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 374.40 Td (deposits) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 375.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 375.81 Td (2,246,451) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 375.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 375.80 Td (2,028,485) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 375.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 375.80 Td (2,049,573) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 316.00 375.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 375.81 Td (3,159) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.00 375.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 375.80 Td (2,472) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.00 375.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.40 375.80 Td (3,009) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 375.81 Td (0.14) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 375.81 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 375.80 Td (0.12) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 375.80 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 375.80 Td (0.15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 375.80 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 364.40 Td (Wealth management deposits) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 364.51 Td (1,456,289) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 364.40 Td (1,227,072) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 364.40 Td (987,885) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 364.51 Td (3,702) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 364.40 Td (1,836) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.65 364.40 Td (706) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 364.51 Td (0.25) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 364.40 Td (0.15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 364.40 Td (0.07) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 353.40 Td (Money market accounts) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 353.51 Td (3,888,781) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 353.40 Td (3,575,605) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 353.40 Td (3,048,045) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 353.51 Td (7,961) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 353.40 Td (7,400) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.40 353.40 Td (7,199) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 353.51 Td (0.20) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 353.40 Td (0.21) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 353.40 Td (0.24) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 342.40 Td (Savings accounts) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 342.51 Td (1,610,603) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 342.40 Td (1,453,559) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 342.40 Td (1,300,681) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 342.51 Td (2,415) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 342.40 Td (2,430) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.40 342.40 Td (2,744) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 342.51 Td (0.15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 342.40 Td (0.17) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 342.40 Td (0.21) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 331.40 Td (Time deposits) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 331.51 Td (4,069,180) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 331.40 Td (4,185,876) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 331.40 Td (4,460,670) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 331.40 331.51 Td (31,626) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 371.35 331.40 Td (34,273) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 331.40 Td (39,533) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 331.51 Td (0.78) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 331.40 Td (0.82) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 331.40 Td (0.89) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 320.40 Td (Total interest bearing deposits) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 320.51 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 180.10 320.51 Td (13,271,304) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 320.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 225.10 320.40 Td (12,470,597) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 320.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 270.50 320.40 Td (11,846,854) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 316.00 320.51 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 331.40 320.51 Td (48,863) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.00 320.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 371.35 320.40 Td (48,411) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.00 320.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 320.40 Td (53,191) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 320.51 Td (0.37) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 320.51 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 320.40 Td (0.39) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 320.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 320.40 Td (0.45) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 320.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 309.40 Td (Federal Home Loan Bank advances) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 309.51 Td (389,426) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 309.40 Td (387,591) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 309.40 Td (423,221) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 309.51 Td (9,110) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 371.35 309.40 Td (10,523) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 309.40 Td (11,014) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 309.51 Td (2.34) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 309.40 Td (2.71) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 309.40 Td (2.60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 298.40 Td (Other borrowings) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 298.51 Td (233,152) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 298.40 Td (132,479) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 298.40 Td (269,311) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 298.51 Td (3,627) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 298.40 Td (1,773) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.40 298.40 Td (4,341) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 298.51 Td (1.56) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 298.40 Td (1.34) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 298.40 Td (1.61) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 287.40 Td (Subordinated notes) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 287.51 Td (140,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 237.40 287.40 Td (77,479) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 282.75 287.40 Td (10,521) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 287.51 Td (7,105) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 287.40 Td (3,906) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 418.65 287.40 Td (167) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 287.51 Td (5.07) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 287.40 Td (5.04) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 287.40 Td (1.57) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 276.40 Td (Junior subordinated notes) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 276.51 Td (258,203) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 276.40 Td (249,493) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 276.40 Td (249,493) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 334.90 276.51 Td (8,230) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 374.90 276.40 Td (8,079) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 276.40 Td (11,369) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 276.51 Td (3.14) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 276.40 Td (3.19) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 276.40 Td (4.49) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 265.40 Td (Total interest-bearing liabilities) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 265.51 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 180.10 265.51 Td (14,292,085) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 265.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 225.10 265.40 Td (13,317,639) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 265.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 270.50 265.40 Td (12,799,400) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 316.00 265.51 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 331.40 265.51 Td (76,935) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.00 265.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 371.35 265.40 Td (72,692) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.00 265.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 409.85 265.40 Td (80,082) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 265.51 Td (0.54) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 265.51 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 265.40 Td (0.55) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 265.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 265.40 Td (0.62) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 265.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 254.40 Td (Non-interest bearing deposits) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 254.51 Td (4,144,378) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 254.40 Td (3,062,338) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 254.40 Td (2,487,761) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 243.40 Td (Other liabilities) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 188.90 243.51 Td (340,321) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 243.40 Td (325,522) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 279.25 243.40 Td (324,382) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 232.40 Td (Equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 232.51 Td (2,232,989) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 232.40 Td (1,993,959) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 232.40 Td (1,856,706) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.00 232.40 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 525.00 232.40 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 221.40 Td (Total liabilities and shareholders) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 214.40 Td (equity) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 214.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 180.10 214.81 Td (21,009,773) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 214.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 225.10 214.80 Td (18,699,458) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 214.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 270.50 214.80 Td (17,468,249) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.00 214.80 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 525.00 214.80 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 203.40 Td (Interest rate spread) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 108.00 206.57 Td (\(4\)\(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 203.51 Td (3.22) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 203.51 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 203.40 Td (3.41) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 203.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 203.40 Td (3.39) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 203.40 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 192.40 Td (Net free funds/contribution) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 129.20 195.57 Td (\(5\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 172.00 192.51 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 183.60 192.51 Td (4,939,380) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 221.00 192.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 228.60 192.40 Td (3,712,298) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 266.00 192.40 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 274.00 192.40 Td (2,989,097) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 192.51 Td (0.14) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 192.40 Td (0.12) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 192.40 Td (0.11) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 177.80 Td (Net interest income/mar) Tj ET Q q 0 0 0 rg BT 120.52 177.80 Td (gin ) Tj ET Q BT /F1 7.00 Tf ET BT /F1 4.55 Tf ET q 0 0 0 rg BT 131.21 180.97 Td (\(6\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 316.00 177.81 Td ($) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 327.85 177.81 Td (646,238) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 360.00 177.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 367.85 177.80 Td (601,744) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.00 177.80 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 406.35 177.80 Td (552,887) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 454.75 177.81 Td (3.36) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 467.00 177.81 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.90 177.80 Td (3.53) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 512.15 177.80 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 177.80 Td (3.50) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 556.15 177.80 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 9.00 Tf ET q 0 0 0 rg BT 62.45 163.45 Td (\(1\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 163.45 Td (Inter) Tj ET Q q 0 0 0 rg BT 97.61 163.45 Td (est ) Tj ET Q q 0 0 0 rg BT 109.99 163.45 Td (income ) Tj ET Q q 0 0 0 rg BT 138.35 163.45 Td (on ) Tj ET Q q 0 0 0 rg BT 149.73 163.45 Td (tax-advantaged ) Tj ET Q q 0 0 0 rg BT 208.09 163.45 Td (loans, ) Tj ET Q q 0 0 0 rg BT 232.22 163.45 Td (trading ) Tj ET Q q 0 0 0 rg BT 261.10 163.45 Td (securities ) Tj ET Q q 0 0 0 rg BT 297.97 163.45 Td (and ) Tj ET Q q 0 0 0 rg BT 313.85 163.45 Td (investment ) Tj ET Q q 0 0 0 rg BT 354.71 163.45 Td (securities ) Tj ET Q q 0 0 0 rg BT 391.58 163.45 Td (r) Tj ET Q q 0 0 0 rg BT 394.75 163.45 Td (eflects ) Tj ET Q q 0 0 0 rg BT 420.12 163.45 Td (a ) Tj ET Q q 0 0 0 rg BT 426.99 163.45 Td (tax-equivalent ) Tj ET Q q 0 0 0 rg BT 480.85 163.45 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 522.72 163.45 Td (based ) Tj ET Q q 0 0 0 rg BT 546.10 163.45 Td (on ) Tj ET Q q 0 0 0 rg BT 557.48 163.45 Td (a ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 152.65 Td (mar) Tj ET Q q 0 0 0 rg BT 94.62 152.65 Td (ginal ) Tj ET Q q 0 0 0 rg BT 115.52 152.65 Td (federal ) Tj ET Q q 0 0 0 rg BT 143.41 152.65 Td (corporate ) Tj ET Q q 0 0 0 rg BT 181.31 152.65 Td (tax ) Tj ET Q q 0 0 0 rg BT 194.70 152.65 Td (rate ) Tj ET Q q 0 0 0 rg BT 211.60 152.65 Td (of ) Tj ET Q q 0 0 0 rg BT 221.00 152.65 Td (35%. ) Tj ET Q q 0 0 0 rg BT 242.15 152.65 Td (The ) Tj ET Q q 0 0 0 rg BT 258.05 152.65 Td (total ) Tj ET Q q 0 0 0 rg BT 276.95 152.65 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 322.35 152.65 Td (for ) Tj ET Q q 0 0 0 rg BT 335.26 152.65 Td (the ) Tj ET Q q 0 0 0 rg BT 348.65 152.65 Td (years ) Tj ET Q q 0 0 0 rg BT 370.55 152.65 Td (ended ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 394.44 152.65 Td (December31, ) Tj ET Q q 0 0 0 rg BT 447.32 152.65 Td (2015) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 465.32 152.65 Td (, ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 469.97 152.65 Td (2014) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 487.97 152.65 Td ( ) Tj ET Q q 0 0 0 rg BT 490.37 152.65 Td (and ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 506.27 152.65 Td (2013) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 524.27 152.65 Td ( ) Tj ET Q q 0 0 0 rg BT 526.67 152.65 Td (wer) Tj ET Q q 0 0 0 rg BT 539.83 152.65 Td (e ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 546.23 152.65 Td ($4.7 ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 141.85 Td (million) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 105.95 141.85 Td (, ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 110.45 141.85 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 128.45 141.85 Td (million) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 153.95 141.85 Td ( ) Tj ET Q q 0 0 0 rg BT 156.20 141.85 Td (and ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 171.95 141.85 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 189.95 141.85 Td (million) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 215.45 141.85 Td (, ) Tj ET Q q 0 0 0 rg BT 219.95 141.85 Td (r) Tj ET Q q 0 0 0 rg BT 223.12 141.85 Td (espectively) Tj ET Q q 0 0 0 rg BT 262.10 141.85 Td (. ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 62.45 131.05 Td (\(2\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 131.05 Td (Other ) Tj ET Q q 0 0 0 rg BT 103.70 131.05 Td (earning ) Tj ET Q q 0 0 0 rg BT 133.94 131.05 Td (assets ) Tj ET Q q 0 0 0 rg BT 157.70 131.05 Td (include ) Tj ET Q q 0 0 0 rg BT 186.44 131.05 Td (br) Tj ET Q q 0 0 0 rg BT 194.11 131.05 Td (okerage ) Tj ET Q q 0 0 0 rg BT 225.34 131.05 Td (customer ) Tj ET Q q 0 0 0 rg BT 260.59 131.05 Td (r) Tj ET Q q 0 0 0 rg BT 263.75 131.05 Td (eceivables ) Tj ET Q q 0 0 0 rg BT 303.48 131.05 Td (and ) Tj ET Q q 0 0 0 rg BT 319.23 131.05 Td (trading ) Tj ET Q q 0 0 0 rg BT 347.98 131.05 Td (account ) Tj ET Q q 0 0 0 rg BT 378.72 131.05 Td (securities.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 62.45 120.25 Td (\(3\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 120.25 Td (Loans, ) Tj ET Q q 0 0 0 rg BT 106.96 120.25 Td (net ) Tj ET Q q 0 0 0 rg BT 120.20 120.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.45 120.25 Td (unearned ) Tj ET Q q 0 0 0 rg BT 165.70 120.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 196.18 120.25 Td (include ) Tj ET Q q 0 0 0 rg BT 224.92 120.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 246.68 120.25 Td (held-for) Tj ET Q q 0 0 0 rg BT 275.49 120.25 Td (-sale ) Tj ET Q q 0 0 0 rg BT 295.24 120.25 Td (and ) Tj ET Q q 0 0 0 rg BT 310.99 120.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 357.23 120.25 Td (loans.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 62.45 109.45 Td (\(4\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 109.45 Td (Inter) Tj ET Q q 0 0 0 rg BT 97.61 109.45 Td (est ) Tj ET Q q 0 0 0 rg BT 109.86 109.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 126.61 109.45 Td (spr) Tj ET Q q 0 0 0 rg BT 137.78 109.45 Td (ead ) Tj ET Q q 0 0 0 rg BT 153.02 109.45 Td (is ) Tj ET Q q 0 0 0 rg BT 161.27 109.45 Td (the ) Tj ET Q q 0 0 0 rg BT 174.52 109.45 Td (differ) Tj ET Q q 0 0 0 rg BT 193.68 109.45 Td (ence ) Tj ET Q q 0 0 0 rg BT 212.42 109.45 Td (between ) Tj ET Q q 0 0 0 rg BT 244.16 109.45 Td (the ) Tj ET Q q 0 0 0 rg BT 257.40 109.45 Td (yield ) Tj ET Q q 0 0 0 rg BT 277.14 109.45 Td (earned ) Tj ET Q q 0 0 0 rg BT 304.38 109.45 Td (on ) Tj ET Q q 0 0 0 rg BT 315.63 109.45 Td (earning ) Tj ET Q q 0 0 0 rg BT 345.88 109.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 369.63 109.45 Td (and ) Tj ET Q q 0 0 0 rg BT 385.38 109.45 Td (the ) Tj ET Q q 0 0 0 rg BT 398.63 109.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 415.37 109.45 Td (paid ) Tj ET Q q 0 0 0 rg BT 433.63 109.45 Td (on ) Tj ET Q q 0 0 0 rg BT 444.88 109.45 Td (inter) Tj ET Q q 0 0 0 rg BT 461.54 109.45 Td (est-bearing ) Tj ET Q q 0 0 0 rg BT 504.78 109.45 Td (liabilities.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 62.45 98.65 Td (\(5\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 98.65 Td (Net ) Tj ET Q q 0 0 0 rg BT 96.35 98.65 Td (fr) Tj ET Q q 0 0 0 rg BT 102.02 98.65 Td (ee ) Tj ET Q q 0 0 0 rg BT 113.41 98.65 Td (funds ) Tj ET Q q 0 0 0 rg BT 136.32 98.65 Td (is ) Tj ET Q q 0 0 0 rg BT 145.72 98.65 Td (the ) Tj ET Q q 0 0 0 rg BT 160.12 98.65 Td (differ) Tj ET Q q 0 0 0 rg BT 179.29 98.65 Td (ence ) Tj ET Q q 0 0 0 rg BT 199.17 98.65 Td (between ) Tj ET Q q 0 0 0 rg BT 232.06 98.65 Td (total ) Tj ET Q q 0 0 0 rg BT 251.97 98.65 Td (average ) Tj ET Q q 0 0 0 rg BT 284.36 98.65 Td (earning ) Tj ET Q q 0 0 0 rg BT 315.76 98.65 Td (assets ) Tj ET Q q 0 0 0 rg BT 340.66 98.65 Td (and ) Tj ET Q q 0 0 0 rg BT 357.56 98.65 Td (total ) Tj ET Q q 0 0 0 rg BT 377.47 98.65 Td (average ) Tj ET Q q 0 0 0 rg BT 409.86 98.65 Td (inter) Tj ET Q q 0 0 0 rg BT 426.52 98.65 Td (est-bearing ) Tj ET Q q 0 0 0 rg BT 470.92 98.65 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 510.57 98.65 Td (The ) Tj ET Q q 0 0 0 rg BT 527.47 98.65 Td (estimated ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 87.85 Td (contribution ) Tj ET Q q 0 0 0 rg BT 127.20 87.85 Td (to ) Tj ET Q q 0 0 0 rg BT 136.45 87.85 Td (net ) Tj ET Q q 0 0 0 rg BT 149.69 87.85 Td (inter) Tj ET Q q 0 0 0 rg BT 166.36 87.85 Td (est ) Tj ET Q q 0 0 0 rg BT 178.61 87.85 Td (mar) Tj ET Q q 0 0 0 rg BT 192.77 87.85 Td (gin ) Tj ET Q q 0 0 0 rg BT 206.52 87.85 Td (fr) Tj ET Q q 0 0 0 rg BT 212.19 87.85 Td (om ) Tj ET Q q 0 0 0 rg BT 225.44 87.85 Td (net ) Tj ET Q q 0 0 0 rg BT 238.69 87.85 Td (fr) Tj ET Q q 0 0 0 rg BT 244.36 87.85 Td (ee ) Tj ET Q q 0 0 0 rg BT 254.60 87.85 Td (funds ) Tj ET Q q 0 0 0 rg BT 276.35 87.85 Td (is ) Tj ET Q q 0 0 0 rg BT 284.60 87.85 Td (calculated ) Tj ET Q q 0 0 0 rg BT 324.34 87.85 Td (using ) Tj ET Q q 0 0 0 rg BT 346.09 87.85 Td (the ) Tj ET Q q 0 0 0 rg BT 359.34 87.85 Td (rate ) Tj ET Q q 0 0 0 rg BT 376.08 87.85 Td (paid ) Tj ET Q q 0 0 0 rg BT 394.33 87.85 Td (for ) Tj ET Q q 0 0 0 rg BT 407.09 87.85 Td (total ) Tj ET Q q 0 0 0 rg BT 425.84 87.85 Td (inter) Tj ET Q q 0 0 0 rg BT 442.50 87.85 Td (est-bearing ) Tj ET Q q 0 0 0 rg BT 485.74 87.85 Td (liabilities.) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 62.45 77.05 Td (\(6\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 77.05 Td (See ) Tj ET Q q 0 0 0 rg BT 95.19 77.05 Td (Supplemental ) Tj ET Q q 0 0 0 rg BT 151.43 77.05 Td (Financial ) Tj ET Q q 0 0 0 rg BT 188.68 77.05 Td (Measur) Tj ET Q q 0 0 0 rg BT 215.84 77.05 Td (es/Ratios ) Tj ET Q q 0 0 0 rg BT 256.10 77.05 Td (for ) Tj ET Q q 0 0 0 rg BT 268.85 77.05 Td (additional ) Tj ET Q q 0 0 0 rg BT 308.10 77.05 Td (information ) Tj ET Q q 0 0 0 rg BT 352.85 77.05 Td (on ) Tj ET Q q 0 0 0 rg BT 364.10 77.05 Td (this ) Tj ET Q q 0 0 0 rg BT 379.36 77.05 Td (performance ) Tj ET Q q 0 0 0 rg BT 427.60 77.05 Td (ratio.) Tj ET Q endstream endobj 119 0 obj <> endobj 120 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (59) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Changes In Inter) Tj ET Q q 0 0 0 rg BT 122.61 742.25 Td (est Income and Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.82 721.25 Td (following ) Tj ET Q q 0 0 0 rg BT 110.98 721.25 Td (table ) Tj ET Q q 0 0 0 rg BT 133.68 721.25 Td (shows ) Tj ET Q q 0 0 0 rg BT 161.96 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.45 721.25 Td (dollar ) Tj ET Q q 0 0 0 rg BT 204.04 721.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 237.31 721.25 Td (of ) Tj ET Q q 0 0 0 rg BT 248.91 721.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 284.39 721.25 Td (in ) Tj ET Q q 0 0 0 rg BT 295.44 721.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 328.14 721.25 Td (income ) Tj ET Q q 0 0 0 rg BT 360.85 721.25 Td (\(on ) Tj ET Q q 0 0 0 rg BT 377.45 721.25 Td (a ) Tj ET Q q 0 0 0 rg BT 385.16 721.25 Td (tax-equivalent ) Tj ET Q q 0 0 0 rg BT 445.63 721.25 Td (basis\) ) Tj ET Q q 0 0 0 rg BT 472.23 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 489.94 721.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 525.42 721.25 Td (by ) Tj ET Q q 0 0 0 rg BT 538.69 721.25 Td (major ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (categories ) Tj ET Q q 0 0 0 rg BT 91.90 709.25 Td (of ) Tj ET Q q 0 0 0 rg BT 101.60 709.25 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 165.72 709.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 190.43 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 206.24 709.25 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 270.36 709.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 308.94 709.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 355.85 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 365.00 709.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 398.58 709.25 Td (in ) Tj ET Q q 0 0 0 rg BT 407.73 709.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 439.09 709.25 Td (or ) Tj ET Q q 0 0 0 rg BT 448.80 709.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 465.15 709.25 Td (for ) Tj ET Q q 0 0 0 rg BT 478.18 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.77 709.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 522.58 709.25 Td (indicated:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 698.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 635.95 187.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 635.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 635.95 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 635.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 635.95 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 635.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 635.95 55.00 -13.00 re f /GS0 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0.9333333333333333 1 rg /GS0 gs 412.50 608.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 608.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 608.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 608.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 608.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 608.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 569.95 187.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 569.95 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 569.95 54.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 569.95 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 569.95 54.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 569.95 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 569.95 55.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 569.95 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 569.95 47.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 569.95 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 569.95 46.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 569.95 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 569.95 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 531.95 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 531.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 531.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 531.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 531.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 531.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 531.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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1 rg /GS0 gs 416.50 421.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 421.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 421.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 421.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 421.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 393.95 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 393.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 393.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 393.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 393.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 393.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 393.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 393.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 365.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 365.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 365.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 365.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 337.95 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 337.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 337.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 337.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 337.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 337.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 337.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 337.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 337.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 337.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 337.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 337.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 337.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 309.95 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 309.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 309.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 309.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 309.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 309.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 309.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 309.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 309.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 309.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 309.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 309.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 309.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 281.95 187.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 281.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 281.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 281.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 281.95 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 281.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 281.95 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 281.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 281.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 281.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 281.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 281.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 281.95 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 687.95 m 237.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 687.95 m 241.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 687.95 m 295.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 675.95 m 295.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 687.95 m 299.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 675.95 m 299.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 687.95 m 353.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 675.95 m 353.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 687.95 m 357.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 675.95 m 357.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 687.95 m 412.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 675.95 m 412.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 687.95 m 416.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 675.95 m 416.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 687.95 m 463.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 675.95 m 463.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 687.95 m 467.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 675.95 m 467.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 687.95 m 513.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 675.95 m 513.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 687.95 m 517.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 675.95 m 517.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 687.95 m 562.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 675.95 m 562.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 663.95 m 295.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 663.95 m 299.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 663.95 m 353.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 663.95 m 357.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 663.95 m 412.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 663.95 m 416.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 663.95 m 463.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 663.95 m 467.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 663.95 m 513.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 663.95 m 517.5 663.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 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267.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 267.95000000000005 m 562.5 267.95000000000005 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 679.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.55 680.03 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 667.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.00 668.03 Td (2015 Compared to 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.20 667.90 Td (2014 Compared to 2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 640.20 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.85 656.03 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.75 648.03 Td (Due to) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.00 640.03 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.85 656.03 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.75 648.03 Td (Due to) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.00 640.03 Td (V) Tj ET Q q 0 0 0 rg BT 318.04 640.03 Td (olume) 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10.00 Tf ET q 0 0 0 rg BT 327.15 599.63 Td (6,494) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 599.63 Td (9,276) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.15 599.52 Td (9,752) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 599.52 Td (6,767) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.10 599.52 Td (16,519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 584.62 Td (Federal Home Loan Bank and Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 574.62 Td (Reserve Bank stock) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 283.30 574.63 Td (\(8) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.65 574.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 574.63 Td (320) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.65 574.63 Td (312) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 574.62 Td (57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 574.62 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 574.62 Td (147) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 560.52 Td (Federal funds sold and securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 550.52 Td (purchased under resale agreements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 278.30 550.63 Td (\(12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.65 550.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 341.30 550.68 Td (\(9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.65 550.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.30 550.68 Td (\(21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 550.63 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.65 550.62 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.30 550.67 Td (\(8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 550.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 550.67 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 550.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 536.52 Td (Total liquidity management assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.00 536.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 269.15 536.63 Td (2,762) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.00 536.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.15 536.63 Td (6,819) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.00 536.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 536.63 Td (9,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 536.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.15 536.52 Td (9,877) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.00 536.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 536.52 Td (6,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 536.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.10 536.52 Td (16,492) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 522.52 Td (Other earning assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.65 522.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.65 522.63 Td (46) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 522.63 Td (46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 522.52 Td (33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 522.52 Td (67) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 522.52 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 508.52 Td (Loans, net of unearned income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 260.80 508.63 Td (\(32,090) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.65 508.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 508.63 Td (83,387) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 508.63 Td (51,297) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.80 508.57 Td (\(14,269) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 508.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.10 508.52 Td (51,854) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.10 508.52 Td (37,585) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 494.52 Td (Covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.80 494.63 Td (\(5,464) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.65 494.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.80 494.68 Td (\(6,723) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.65 494.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.80 494.68 Td (\(12,187) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 494.63 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.15 494.52 Td (2,351) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.80 494.57 Td (\(15,061) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 494.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 494.57 Td (\(12,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 494.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 480.52 Td (Total interest income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.00 480.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 260.80 480.63 Td (\(34,792) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.65 480.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.00 480.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 480.63 Td (83,529) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.00 480.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 480.63 Td (48,737) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 480.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.80 480.57 Td (\(2,008) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 480.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.00 480.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.10 480.52 Td (43,475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 480.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.10 480.52 Td (41,467) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 466.52 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 453.68 Td (Interest Expense:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 453.52 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 440.52 Td (Deposits interest bearing:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 440.52 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 426.52 Td (NOW and interest bearing demand deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 244.00 426.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 276.65 426.63 Td (385) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.00 426.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 426.63 Td (302) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.00 426.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.65 426.63 Td (687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 426.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.30 426.57 Td (\(482) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 426.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.00 426.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.30 426.57 Td (\(55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.65 426.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.00 426.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 426.57 Td (\(537) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 426.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 412.52 Td (Wealth management deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 269.15 412.63 Td (1,006) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 412.63 Td (860) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 412.63 Td (1,866) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.65 412.52 Td (575) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 412.52 Td (555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 412.52 Td (1,130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 398.52 Td (Money market accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 281.65 398.63 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 398.63 Td (561) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.65 398.63 Td (561) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.30 398.57 Td (\(914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 398.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 398.52 Td (1,115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 398.52 Td (201) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 384.52 Td (Savings accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.30 384.63 Td (\(284) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.65 384.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 334.65 384.63 Td (269) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.30 384.68 Td (\(15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 384.63 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.30 384.57 Td (\(592) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.65 384.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.65 384.52 Td (278) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 384.57 Td (\(314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 384.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 370.52 Td (Time deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 265.80 370.63 Td (\(1,505) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 291.65 370.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 323.80 370.68 Td (\(1,142) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.65 370.63 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507.50 537.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 537.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 507.95 130.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 507.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 507.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 507.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 507.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 507.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 507.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 507.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 507.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 507.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 507.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 507.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 507.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 507.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 507.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 477.95 130.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 477.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 477.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 477.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 477.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 477.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 477.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 477.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 477.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 477.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 477.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 477.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 477.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 477.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 477.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 447.95 130.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 447.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 184.50 447.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 447.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 447.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 447.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 447.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 447.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 447.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 447.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 447.95 51.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 447.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 447.95 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 447.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 447.95 51.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 699.95 m 180.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 699.95 m 184.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 699.95 m 235.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 699.95 m 239.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 699.95 m 289.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 699.95 m 293.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 699.95 m 344.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 699.95 m 348.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 699.95 m 398.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 699.95 m 402.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 699.95 m 453.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 699.95 m 457.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 699.95 m 507.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 699.95 m 511.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 699.95 m 562.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 673.95 m 180.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 673.95 m 184.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 686.95 m 235.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 673.95 m 235.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 686.95 m 239.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 673.95 m 239.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 686.95 m 289.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 673.95 m 289.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 686.95 m 293.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 673.95 m 293.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 686.95 m 344.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 673.95 m 344.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 686.95 m 348.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 673.95 m 348.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 686.95 m 398.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 673.95 m 398.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 686.95 m 402.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 673.95 m 402.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 686.95 m 453.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 673.95 m 453.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 686.95 m 457.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 673.95 m 457.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 686.95 m 507.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 673.95 m 507.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 686.95 m 511.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 673.95 m 511.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 686.95 m 562.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 673.95 m 562.5 673.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 643.95 m 235.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 628.95 m 235.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 643.95 m 239.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 628.95 m 239.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 643.95 m 289.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 628.95 m 289.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 643.95 m 293.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 628.95 m 293.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 643.95 m 344.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 628.95 m 344.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 643.95 m 348.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 628.95 m 348.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 643.95 m 398.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 628.95 m 398.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 643.95 m 402.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 628.95 m 402.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 643.95 m 453.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 628.95 m 453.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 643.95 m 457.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 628.95 m 457.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 643.95 m 507.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 628.95 m 507.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 643.95 m 511.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 628.95 m 511.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 643.95 m 562.5 643.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 628.95 m 562.5 628.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 447.95 m 235.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 432.95 m 235.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 447.95 m 239.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 432.95 m 239.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 447.95 m 289.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 432.95 m 289.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 447.95 m 293.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 447.95 m 344.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 432.95 m 344.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 447.95 m 348.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 447.95 m 398.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 432.95 m 398.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 447.95 m 402.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 432.95 m 402.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 447.95 m 453.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 432.95 m 453.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 447.95 m 457.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 447.95 m 507.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 432.95 m 507.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 447.95 m 511.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 432.95 m 511.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 447.95 m 562.5 447.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 432.95 m 562.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 417.95 m 180.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 417.95 m 184.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 432.95 m 235.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 184.5 417.95 m 235.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 432.95 m 239.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 417.95 m 239.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 432.95 m 289.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 417.95 m 289.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 432.95 m 293.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 417.95 m 293.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 432.95 m 344.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 417.95 m 344.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 432.95 m 348.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 417.95 m 348.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 432.95 m 398.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 417.95 m 398.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 432.95 m 402.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 417.95 m 402.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 432.95 m 453.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 417.95 m 453.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 432.95 m 457.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 417.95 m 457.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 432.95 m 507.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 417.95 m 507.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 432.95 m 511.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 417.95 m 511.5 417.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 432.95 m 562.5 432.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 417.95 m 562.5 417.95 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 691.20 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 218.95 691.18 Td (Years ended December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 361.10 691.18 Td (2015comparedto2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.60 691.20 Td (2014comparedto2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 678.20 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 200.50 678.35 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 255.00 678.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 678.21 Td (2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.85 678.18 Td ($ Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 409.35 678.18 Td (%Change) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.75 678.20 Td ($ Change) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.90 678.20 Td (%Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 664.52 Td (Brokerage) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 187.00 663.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.15 663.63 Td (27,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.00 663.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 663.62 Td (30,438) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 663.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 663.62 Td (29,281) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.00 663.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 368.80 663.68 Td (\(3,408) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.65 663.63 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.30 663.68 Td (\(11) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.65 663.63 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.00 663.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 663.62 Td (1,157) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 663.62 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 663.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 649.52 Td (Trust and asset management) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.15 648.63 Td (46,422) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 648.62 Td (40,905) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 648.62 Td (33,761) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 648.63 Td (5,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 648.63 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 648.62 Td (7,144) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 648.62 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 634.52 Td (Total wealth management) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 187.00 633.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.15 633.63 Td (73,452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.00 633.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 633.62 Td (71,343) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 633.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 633.62 Td (63,042) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.00 633.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 633.63 Td (2,109) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.65 633.63 Td (3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 633.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.00 633.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 633.62 Td (8,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 633.62 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 633.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 619.52 Td (Mortgage banking) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.10 618.63 Td (115,011) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 618.62 Td (91,617) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.10 618.62 Td (106,857) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 618.63 Td (23,394) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 618.63 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.80 618.67 Td (\(15,240) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 618.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.95 618.62 Td (\(14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 618.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 604.52 Td (Service charges on deposit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 594.57 Td (accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.15 597.63 Td (27,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 597.62 Td (23,307) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 597.62 Td (20,366) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 597.63 Td (4,077) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 597.63 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 597.62 Td (2,941) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 597.62 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 583.52 Td (Gains \(losses\) on available-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 573.52 Td (for-sale securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 216.65 572.63 Td (323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.30 572.62 Td (\(504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 572.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.80 572.67 Td (\(3,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.65 572.62 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.65 572.63 Td (827) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.30 572.63 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 572.62 Td (2,496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.85 572.62 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 558.52 Td (Fees from covered call options) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.15 557.63 Td (15,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 557.62 Td (7,859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.15 557.62 Td (4,773) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 557.63 Td (7,505) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 557.63 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.15 557.62 Td (3,086) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 557.62 Td (65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 543.52 Td (Trading \(losses\) gains, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.30 542.63 Td (\(247) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.65 542.63 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.80 542.62 Td (\(1,609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.65 542.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.65 542.62 Td (892) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 542.63 Td (1,362) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.30 542.63 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 542.67 Td (\(2,501) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 542.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.85 542.62 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 528.52 Td (Operating lease income, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 209.15 527.63 Td (2,728) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.65 527.62 Td (163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.65 527.62 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 527.63 Td (2,565) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.30 527.63 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 527.62 Td (163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.85 527.62 Td (NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 513.52 Td (Other:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 498.52 Td (Interest rate swap fees) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 209.15 497.63 Td (9,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 497.62 Td (4,469) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.15 497.62 Td (7,629) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 497.63 Td (5,018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.65 497.63 Td (112) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 497.67 Td (\(3,160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 497.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.95 497.62 Td (\(41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 497.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 483.52 Td (BOLI) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 209.15 482.63 Td (4,622) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 482.62 Td (2,700) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.15 482.62 Td (3,446) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 482.63 Td (1,922) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 482.63 Td (71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.30 482.67 Td (\(746) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 482.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.95 482.62 Td (\(22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 482.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 468.52 Td (Administrative services) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 209.15 467.63 Td (4,252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.15 467.62 Td (3,893) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.15 467.62 Td (3,390) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 379.65 467.63 Td (359) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 434.65 467.63 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 467.62 Td (503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.25 467.62 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 453.52 Td (Miscellaneous) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.15 452.63 Td (19,221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 452.62 Td (12,002) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 452.62 Td (15,002) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 372.15 452.63 Td (7,219) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 452.63 Td (60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 452.67 Td (\(3,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 452.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.95 452.62 Td (\(20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 452.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 438.52 Td ( Total Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 187.00 437.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 204.15 437.63 Td (37,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.00 437.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.15 437.62 Td (23,064) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 437.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.15 437.62 Td (29,467) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.00 437.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 437.63 Td (14,518) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 437.63 Td (63) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 437.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.00 437.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 437.67 Td (\(6,403) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 437.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.95 437.62 Td (\(22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 437.62 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 423.52 Td (Total Non-Interest Income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 187.00 422.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.10 422.63 Td (271,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.00 422.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.10 422.62 Td (215,240) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 422.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.10 422.62 Td (222,397) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 351.00 422.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 367.15 422.63 Td (56,357) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.65 422.63 Td (26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.00 422.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.00 422.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.80 422.67 Td (\(7,157) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.65 422.62 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.95 422.62 Td (\(3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 422.62 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.45 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.50 406.45 Td (NMNot Meaningful) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.45 Td (Notable ) Tj ET Q q 0 0 0 rg BT 84.16 385.45 Td (contributions ) Tj ET Q q 0 0 0 rg BT 139.43 385.45 Td (to ) Tj ET Q q 0 0 0 rg BT 149.71 385.45 Td (the ) Tj ET Q q 0 0 0 rg BT 164.42 385.45 Td (change ) Tj ET Q q 0 0 0 rg BT 195.24 385.45 Td (in ) Tj ET Q q 0 0 0 rg BT 205.52 385.45 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 255.78 385.45 Td (income ) Tj ET Q q 0 0 0 rg BT 287.71 385.45 Td (are ) Tj ET Q q 0 0 0 rg BT 302.42 385.45 Td (as ) Tj ET Q q 0 0 0 rg BT 313.25 385.45 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.45 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 364.45 Td (ealth ) Tj ET Q q 0 0 0 rg BT 80.57 364.45 Td (management ) Tj ET Q q 0 0 0 rg BT 134.15 364.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 168.30 364.45 Td (is ) Tj ET Q q 0 0 0 rg BT 177.46 364.45 Td (comprised ) Tj ET Q q 0 0 0 rg BT 221.61 364.45 Td (of ) Tj ET Q q 0 0 0 rg BT 232.44 364.45 Td (the ) Tj ET Q q 0 0 0 rg BT 247.15 364.45 Td (trust ) Tj ET Q q 0 0 0 rg BT 267.43 364.45 Td (and ) Tj ET Q q 0 0 0 rg BT 284.36 364.45 Td (asset ) Tj ET Q q 0 0 0 rg BT 306.30 364.45 Td (management ) Tj ET Q q 0 0 0 rg BT 359.88 364.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 394.03 364.45 Td (of ) Tj ET Q q 0 0 0 rg BT 404.85 364.45 Td (the ) Tj ET Q q 0 0 0 rg BT 419.57 364.45 Td (CTC ) Tj ET Q q 0 0 0 rg BT 441.51 364.45 Td (and ) Tj ET Q q 0 0 0 rg BT 458.45 364.45 Td (Great ) Tj ET Q q 0 0 0 rg BT 483.15 364.45 Td (Lakes ) Tj ET Q q 0 0 0 rg BT 508.97 364.45 Td (Advisors ) Tj ET Q q 0 0 0 rg BT 547.58 364.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.45 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 352.45 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 107.19 352.45 Td (commissions, ) Tj ET Q q 0 0 0 rg BT 164.42 352.45 Td (managed ) Tj ET Q q 0 0 0 rg BT 203.01 352.45 Td (money ) Tj ET Q q 0 0 0 rg BT 232.73 352.45 Td (fees ) Tj ET Q q 0 0 0 rg BT 251.33 352.45 Td (and ) Tj ET Q q 0 0 0 rg BT 268.27 352.45 Td (insurance ) Tj ET Q q 0 0 0 rg BT 309.08 352.45 Td (product ) Tj ET Q q 0 0 0 rg BT 342.13 352.45 Td (commissions ) Tj ET Q q 0 0 0 rg BT 396.86 352.45 Td (at ) Tj ET Q q 0 0 0 rg BT 406.39 352.45 Td (WHI.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.45 Td (Brokerage ) Tj ET Q q 0 0 0 rg BT 93.38 331.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 126.75 331.45 Td (is ) Tj ET Q q 0 0 0 rg BT 135.15 331.45 Td (directly ) Tj ET Q q 0 0 0 rg BT 167.43 331.45 Td (impacted ) Tj ET Q q 0 0 0 rg BT 205.81 331.45 Td (by ) Tj ET Q q 0 0 0 rg BT 217.54 331.45 Td (trading ) Tj ET Q q 0 0 0 rg BT 247.60 331.45 Td (volumes. ) Tj ET Q q 0 0 0 rg BT 285.71 331.45 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.77 331.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.77 331.45 Td (, ) Tj ET Q q 0 0 0 rg BT 320.00 331.45 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 361.71 331.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 395.09 331.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.03 331.45 Td ($27.0 ) Tj ET Q q 0 0 0 rg BT 448.26 331.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 331.45 Td (, ) Tj ET Q q 0 0 0 rg BT 481.38 331.45 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 521.43 331.45 Td (a ) Tj ET Q q 0 0 0 rg BT 527.60 331.45 Td (decrease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.08 319.45 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 79.33 319.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.22 319.45 Td (, ) Tj ET Q q 0 0 0 rg BT 112.47 319.45 Td (or ) Tj ET Q q 0 0 0 rg BT 122.55 319.45 Td (1) Tj ET Q q 0 0 0 rg BT 127.18 319.45 Td (1%, ) Tj ET Q q 0 0 0 rg BT 144.76 319.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 185.94 319.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.47 319.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.47 319.45 Td (. ) Tj ET Q q 0 0 0 rg BT 219.72 319.45 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.80 319.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.80 319.45 Td (, ) Tj ET Q q 0 0 0 rg BT 254.05 319.45 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 295.77 319.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 329.17 319.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.13 319.45 Td ($30.4 ) Tj ET Q q 0 0 0 rg BT 382.38 319.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.27 319.45 Td (, ) Tj ET Q q 0 0 0 rg BT 415.52 319.45 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 455.59 319.45 Td (an ) Tj ET Q q 0 0 0 rg BT 466.77 319.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 501.28 319.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.36 319.45 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 530.61 319.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 319.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.45 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.17 307.45 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.50 307.45 Td (, ) Tj ET Q q 0 0 0 rg BT 79.84 307.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 122.10 307.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.72 307.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.72 307.45 Td (. ) Tj ET Q q 0 0 0 rg BT 157.85 307.45 Td (The ) Tj ET Q q 0 0 0 rg BT 176.24 307.45 Td (decrease ) Tj ET Q q 0 0 0 rg BT 213.49 307.45 Td (in ) Tj ET Q q 0 0 0 rg BT 224.11 307.45 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 266.93 307.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 301.41 307.45 Td (during ) Tj ET Q q 0 0 0 rg BT 330.36 307.45 Td (2015 ) Tj ET Q q 0 0 0 rg BT 353.20 307.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 395.46 307.45 Td (to ) Tj ET Q q 0 0 0 rg BT 406.08 307.45 Td (2014 ) Tj ET Q q 0 0 0 rg BT 428.92 307.45 Td (can ) Tj ET Q q 0 0 0 rg BT 445.63 307.45 Td (be ) Tj ET Q q 0 0 0 rg BT 457.91 307.45 Td (attributed ) Tj ET Q q 0 0 0 rg BT 499.07 307.45 Td (to ) Tj ET Q q 0 0 0 rg BT 509.69 307.45 Td (a ) Tj ET Q q 0 0 0 rg BT 516.97 307.45 Td (decrease ) Tj ET Q q 0 0 0 rg BT 554.22 307.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.45 Td (customer ) Tj ET Q q 0 0 0 rg BT 89.01 295.45 Td (transactional ) Tj ET Q q 0 0 0 rg BT 142.45 295.45 Td (activity ) Tj ET Q q 0 0 0 rg BT 174.79 295.45 Td (and ) Tj ET Q q 0 0 0 rg BT 191.59 295.45 Td (a ) Tj ET Q q 0 0 0 rg BT 198.38 295.45 Td (slightly ) Tj ET Q q 0 0 0 rg BT 230.74 295.45 Td (down ) Tj ET Q q 0 0 0 rg BT 255.31 295.45 Td (market. ) Tj ET Q q 0 0 0 rg BT 287.93 295.45 Td ( ) Tj ET Q q 0 0 0 rg BT 290.11 295.45 Td (The ) Tj ET Q q 0 0 0 rg BT 308.01 295.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 343.12 295.45 Td (in ) Tj ET Q q 0 0 0 rg BT 353.25 295.45 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 395.58 295.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 429.58 295.45 Td (in ) Tj ET Q q 0 0 0 rg BT 439.71 295.45 Td (2014 ) Tj ET Q q 0 0 0 rg BT 462.07 295.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 503.84 295.45 Td (to ) Tj ET Q q 0 0 0 rg BT 513.98 295.45 Td (2013 ) Tj ET Q q 0 0 0 rg BT 536.33 295.45 Td (can ) Tj ET Q q 0 0 0 rg BT 552.56 295.45 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.45 Td (attributed ) Tj ET Q q 0 0 0 rg BT 90.82 283.45 Td (to ) Tj ET Q q 0 0 0 rg BT 101.10 283.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 141.35 283.45 Td (customer ) Tj ET Q q 0 0 0 rg BT 180.51 283.45 Td (trading ) Tj ET Q q 0 0 0 rg BT 211.33 283.45 Td (activity) Tj ET Q q 0 0 0 rg BT 240.67 283.45 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.45 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 262.45 Td (rust ) Tj ET Q q 0 0 0 rg BT 73.10 262.45 Td (and ) Tj ET Q q 0 0 0 rg BT 89.89 262.45 Td (asset ) Tj ET Q q 0 0 0 rg BT 111.67 262.45 Td (management ) Tj ET Q q 0 0 0 rg BT 165.10 262.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 199.09 262.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 262.45 Td ($46.4 ) Tj ET Q q 0 0 0 rg BT 253.50 262.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.39 262.45 Td ( ) Tj ET Q q 0 0 0 rg BT 284.73 262.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.86 262.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.86 262.45 Td (, ) Tj ET Q q 0 0 0 rg BT 319.70 262.45 Td (an ) Tj ET Q q 0 0 0 rg BT 331.49 262.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 366.58 262.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.26 262.45 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 397.11 262.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.00 262.45 Td (, ) Tj ET Q q 0 0 0 rg BT 430.84 262.45 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.52 262.45 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.52 262.45 Td (%, ) Tj ET Q q 0 0 0 rg BT 464.69 262.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 506.46 262.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.59 262.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.59 262.45 Td (. ) Tj ET Q q 0 0 0 rg BT 541.26 262.45 Td (T) Tj ET Q q 0 0 0 rg BT 547.02 262.45 Td (rust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.45 Td (and ) Tj ET Q q 0 0 0 rg BT 67.10 250.45 Td (asset ) Tj ET Q q 0 0 0 rg BT 89.20 250.45 Td (management ) Tj ET Q q 0 0 0 rg BT 142.95 250.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 177.26 250.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.13 250.45 Td ($40.9 ) Tj ET Q q 0 0 0 rg BT 232.29 250.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.18 250.45 Td ( ) Tj ET Q q 0 0 0 rg BT 263.84 250.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.28 250.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.28 250.45 Td (, ) Tj ET Q q 0 0 0 rg BT 299.44 250.45 Td (an ) Tj ET Q q 0 0 0 rg BT 311.54 250.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 346.96 250.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.95 250.45 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 378.11 250.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.00 250.45 Td (, ) Tj ET Q q 0 0 0 rg BT 412.16 250.45 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.15 250.45 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.15 250.45 Td (%, ) Tj ET Q q 0 0 0 rg BT 446.65 250.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 488.73 250.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.17 250.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.17 250.45 Td (. ) Tj ET Q q 0 0 0 rg BT 524.14 250.45 Td (T) Tj ET Q q 0 0 0 rg BT 529.90 250.45 Td (rust ) Tj ET Q q 0 0 0 rg BT 547.56 250.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.45 Td (asset ) Tj ET Q q 0 0 0 rg BT 71.52 238.45 Td (management ) Tj ET Q q 0 0 0 rg BT 124.69 238.45 Td (fees ) Tj ET Q q 0 0 0 rg BT 142.87 238.45 Td (are ) Tj ET Q q 0 0 0 rg BT 157.16 238.45 Td (based ) Tj ET Q q 0 0 0 rg BT 182.01 238.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 221.31 238.45 Td (on ) Tj ET Q q 0 0 0 rg BT 233.39 238.45 Td (the ) Tj ET Q q 0 0 0 rg BT 247.69 238.45 Td (market ) Tj ET Q q 0 0 0 rg BT 277.54 238.45 Td (value ) Tj ET Q q 0 0 0 rg BT 301.27 238.45 Td (of ) Tj ET Q q 0 0 0 rg BT 311.69 238.45 Td (the ) Tj ET Q q 0 0 0 rg BT 325.99 238.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 351.40 238.45 Td (under ) Tj ET Q q 0 0 0 rg BT 376.25 238.45 Td (management ) Tj ET Q q 0 0 0 rg BT 429.42 238.45 Td (or ) Tj ET Q q 0 0 0 rg BT 439.83 238.45 Td (administration. ) Tj ET Q q 0 0 0 rg BT 502.19 238.45 Td (Increased ) Tj ET Q q 0 0 0 rg BT 542.57 238.45 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.45 Td (levels ) Tj ET Q q 0 0 0 rg BT 74.97 226.45 Td (from ) Tj ET Q q 0 0 0 rg BT 96.06 226.45 Td (adding ) Tj ET Q q 0 0 0 rg BT 124.93 226.45 Td (new ) Tj ET Q q 0 0 0 rg BT 143.24 226.45 Td (customers ) Tj ET Q q 0 0 0 rg BT 185.43 226.45 Td (helped ) Tj ET Q q 0 0 0 rg BT 213.74 226.45 Td (drive ) Tj ET Q q 0 0 0 rg BT 235.94 226.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 269.23 226.45 Td (growth ) Tj ET Q q 0 0 0 rg BT 299.21 226.45 Td (in ) Tj ET Q q 0 0 0 rg BT 308.64 226.45 Td (2015 ) Tj ET Q q 0 0 0 rg BT 330.29 226.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 371.36 226.45 Td (to ) Tj ET Q q 0 0 0 rg BT 380.79 226.45 Td (2014. ) Tj ET Q q 0 0 0 rg BT 404.94 226.45 Td ( ) Tj ET Q q 0 0 0 rg BT 406.59 226.45 Td (Higher ) Tj ET Q q 0 0 0 rg BT 436.00 226.45 Td (asset ) Tj ET Q q 0 0 0 rg BT 457.09 226.45 Td (levels ) Tj ET Q q 0 0 0 rg BT 482.07 226.45 Td (from ) Tj ET Q q 0 0 0 rg BT 503.16 226.45 Td (new ) Tj ET Q q 0 0 0 rg BT 521.46 226.45 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.45 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 214.45 Td (new ) Tj ET Q q 0 0 0 rg BT 86.10 214.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 123.58 214.45 Td (advisors ) Tj ET Q q 0 0 0 rg BT 159.41 214.45 Td (along ) Tj ET Q q 0 0 0 rg BT 184.13 214.45 Td (with ) Tj ET Q q 0 0 0 rg BT 204.40 214.45 Td (market ) Tj ET Q q 0 0 0 rg BT 234.67 214.45 Td (appreciation ) Tj ET Q q 0 0 0 rg BT 286.59 214.45 Td (helped ) Tj ET Q q 0 0 0 rg BT 315.74 214.45 Td (drive ) Tj ET Q q 0 0 0 rg BT 338.79 214.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 372.93 214.45 Td (growth ) Tj ET Q q 0 0 0 rg BT 403.76 214.45 Td (in ) Tj ET Q q 0 0 0 rg BT 414.04 214.45 Td (2014 ) Tj ET Q q 0 0 0 rg BT 436.54 214.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 478.47 214.45 Td (to ) Tj ET Q q 0 0 0 rg BT 488.75 214.45 Td (2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.45 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 90.59 193.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 124.51 193.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 157.87 193.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.79 193.45 Td ($1) Tj ET Q q 0 0 0 rg BT 196.42 193.45 Td (15.0 ) Tj ET Q q 0 0 0 rg BT 215.63 193.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.52 193.45 Td ( ) Tj ET Q q 0 0 0 rg BT 246.23 193.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.71 193.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.71 193.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.92 193.45 Td ($91.6 ) Tj ET Q q 0 0 0 rg BT 304.13 193.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.02 193.45 Td ( ) Tj ET Q q 0 0 0 rg BT 334.73 193.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.22 193.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.22 193.45 Td (, ) Tj ET Q q 0 0 0 rg BT 368.43 193.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.58 193.45 Td ($106.9 ) Tj ET Q q 0 0 0 rg BT 413.78 193.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.68 193.45 Td ( ) Tj ET Q q 0 0 0 rg BT 444.38 193.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.87 193.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.87 193.45 Td (, ) Tj ET Q q 0 0 0 rg BT 478.08 193.45 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 518.10 193.45 Td (an ) Tj ET Q q 0 0 0 rg BT 529.25 193.45 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.60 181.45 Td ($23.4 ) Tj ET Q q 0 0 0 rg BT 85.37 181.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.26 181.45 Td (, ) Tj ET Q q 0 0 0 rg BT 119.03 181.45 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.63 181.45 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.63 181.45 Td (%, ) Tj ET Q q 0 0 0 rg BT 152.73 181.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.78 181.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.78 181.45 Td (, ) Tj ET Q q 0 0 0 rg BT 187.55 181.45 Td (and ) Tj ET Q q 0 0 0 rg BT 204.26 181.45 Td (a ) Tj ET Q q 0 0 0 rg BT 210.97 181.45 Td (decrease ) Tj ET Q q 0 0 0 rg BT 247.66 181.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.26 181.45 Td ($15.2 ) Tj ET Q q 0 0 0 rg BT 283.03 181.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.92 181.45 Td (, ) Tj ET Q q 0 0 0 rg BT 316.69 181.45 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.29 181.45 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.29 181.45 Td (%, ) Tj ET Q q 0 0 0 rg BT 350.39 181.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.44 181.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.44 181.45 Td (. ) Tj ET Q q 0 0 0 rg BT 385.21 181.45 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 426.36 181.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 460.84 181.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 494.76 181.45 Td (includes ) Tj ET Q q 0 0 0 rg BT 530.36 181.45 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.45 Td (from ) Tj ET Q q 0 0 0 rg BT 71.78 169.45 Td (activities ) Tj ET Q q 0 0 0 rg BT 110.23 169.45 Td (related ) Tj ET Q q 0 0 0 rg BT 139.78 169.45 Td (to ) Tj ET Q q 0 0 0 rg BT 149.90 169.45 Td (originating, ) Tj ET Q q 0 0 0 rg BT 198.63 169.45 Td (selling ) Tj ET Q q 0 0 0 rg BT 227.64 169.45 Td (and ) Tj ET Q q 0 0 0 rg BT 244.43 169.45 Td (servicing ) Tj ET Q q 0 0 0 rg BT 283.43 169.45 Td (residential ) Tj ET Q q 0 0 0 rg BT 327.42 169.45 Td (real ) Tj ET Q q 0 0 0 rg BT 344.76 169.45 Td (estate ) Tj ET Q q 0 0 0 rg BT 369.87 169.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 393.32 169.45 Td (for ) Tj ET Q q 0 0 0 rg BT 407.33 169.45 Td (the ) Tj ET Q q 0 0 0 rg BT 421.89 169.45 Td (secondary ) Tj ET Q q 0 0 0 rg BT 464.77 169.45 Td (market. ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.38 169.45 Td (A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.88 169.45 Td ( ) Tj ET Q q 0 0 0 rg BT 506.23 169.45 Td (main ) Tj ET Q q 0 0 0 rg BT 528.57 169.45 Td (factor ) Tj ET Q q 0 0 0 rg BT 554.23 169.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.45 Td (the ) Tj ET Q q 0 0 0 rg BT 65.44 157.45 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 106.42 157.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 141.86 157.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 176.73 157.45 Td (recognized ) Tj ET Q q 0 0 0 rg BT 223.81 157.45 Td (by ) Tj ET Q q 0 0 0 rg BT 237.04 157.45 Td (the ) Tj ET Q q 0 0 0 rg BT 252.47 157.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 294.58 157.45 Td (is ) Tj ET Q q 0 0 0 rg BT 304.47 157.45 Td (the ) Tj ET Q q 0 0 0 rg BT 319.91 157.45 Td (volume ) Tj ET Q q 0 0 0 rg BT 353.13 157.45 Td (of ) Tj ET Q q 0 0 0 rg BT 364.68 157.45 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 405.67 157.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 430.00 157.45 Td (originated ) Tj ET Q q 0 0 0 rg BT 473.76 157.45 Td (or ) Tj ET Q q 0 0 0 rg BT 485.31 157.45 Td (purchased ) Tj ET Q q 0 0 0 rg BT 529.07 157.45 Td (for ) Tj ET Q q 0 0 0 rg BT 543.95 157.45 Td (sale. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.45 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.62 145.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 115.48 145.45 Td (originated ) Tj ET Q q 0 0 0 rg BT 158.76 145.45 Td (or ) Tj ET Q q 0 0 0 rg BT 169.84 145.45 Td (purchased ) Tj ET Q q 0 0 0 rg BT 213.12 145.45 Td (for ) Tj ET Q q 0 0 0 rg BT 227.53 145.45 Td (sale ) Tj ET Q q 0 0 0 rg BT 245.82 145.45 Td (were ) Tj ET Q q 0 0 0 rg BT 268.00 145.45 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 288.24 145.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 317.10 145.45 Td (in ) Tj ET Q q 0 0 0 rg BT 327.62 145.45 Td (2015 ) Tj ET Q q 0 0 0 rg BT 350.37 145.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 392.54 145.45 Td (to ) Tj ET Q q 0 0 0 rg BT 403.06 145.45 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 423.31 145.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 452.17 145.45 Td (in ) Tj ET Q q 0 0 0 rg BT 462.69 145.45 Td (2014, ) Tj ET Q q 0 0 0 rg BT 487.94 145.45 Td (and ) Tj ET Q q 0 0 0 rg BT 505.12 145.45 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 525.37 145.45 Td (billion ) Tj ET Q q 0 0 0 rg BT 554.23 145.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.45 Td (2013. ) Tj ET Q q 0 0 0 rg BT 74.79 133.45 Td (The ) Tj ET Q q 0 0 0 rg BT 92.80 133.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 128.01 133.45 Td (in ) Tj ET Q q 0 0 0 rg BT 138.25 133.45 Td (volume ) Tj ET Q q 0 0 0 rg BT 170.71 133.45 Td (is ) Tj ET Q q 0 0 0 rg BT 179.85 133.45 Td (the ) Tj ET Q q 0 0 0 rg BT 194.53 133.45 Td (result ) Tj ET Q q 0 0 0 rg BT 219.21 133.45 Td (of ) Tj ET Q q 0 0 0 rg BT 230.00 133.45 Td (a ) Tj ET Q q 0 0 0 rg BT 236.90 133.45 Td (more ) Tj ET Q q 0 0 0 rg BT 259.91 133.45 Td (favorable ) Tj ET Q q 0 0 0 rg BT 300.13 133.45 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 340.36 133.45 Td (banking ) Tj ET Q q 0 0 0 rg BT 375.04 133.45 Td (environment ) Tj ET Q q 0 0 0 rg BT 428.04 133.45 Td (during ) Tj ET Q q 0 0 0 rg BT 456.61 133.45 Td (2015 ) Tj ET Q q 0 0 0 rg BT 479.08 133.45 Td (as ) Tj ET Q q 0 0 0 rg BT 489.87 133.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 531.76 133.45 Td (to ) Tj ET Q q 0 0 0 rg BT 542.00 133.45 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.45 Td (and ) Tj ET Q q 0 0 0 rg BT 67.02 121.45 Td (2013. ) Tj ET Q q 0 0 0 rg BT 92.11 121.45 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 133.57 121.45 Td (revenue ) Tj ET Q q 0 0 0 rg BT 167.80 121.45 Td (is ) Tj ET Q q 0 0 0 rg BT 177.05 121.45 Td (also ) Tj ET Q q 0 0 0 rg BT 195.75 121.45 Td (impacted ) Tj ET Q q 0 0 0 rg BT 234.98 121.45 Td (by ) Tj ET Q q 0 0 0 rg BT 247.57 121.45 Td (changes ) Tj ET Q q 0 0 0 rg BT 282.36 121.45 Td (in ) Tj ET Q q 0 0 0 rg BT 292.72 121.45 Td (the ) Tj ET Q q 0 0 0 rg BT 307.52 121.45 Td (fair ) Tj ET Q q 0 0 0 rg BT 323.98 121.45 Td (value ) Tj ET Q q 0 0 0 rg BT 348.22 121.45 Td (of ) Tj ET Q q 0 0 0 rg BT 359.14 121.45 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 386.74 121.45 Td (as ) Tj ET Q q 0 0 0 rg BT 397.65 121.45 Td (the ) Tj ET Q q 0 0 0 rg BT 412.45 121.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 453.92 121.45 Td (does ) Tj ET Q q 0 0 0 rg BT 474.84 121.45 Td (not ) Tj ET Q q 0 0 0 rg BT 490.20 121.45 Td (hedge ) Tj ET Q q 0 0 0 rg BT 516.66 121.45 Td (this ) Tj ET Q q 0 0 0 rg BT 533.69 121.45 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.45 Td (in ) Tj ET Q q 0 0 0 rg BT 60.45 109.45 Td (fair ) Tj ET Q q 0 0 0 rg BT 76.99 109.45 Td (value. ) Tj ET Q q 0 0 0 rg BT 103.81 109.45 Td ( ) Tj ET Q q 0 0 0 rg BT 106.29 109.45 Td (The ) Tj ET Q q 0 0 0 rg BT 124.50 109.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 166.06 109.45 Td (typically ) Tj ET Q q 0 0 0 rg BT 203.71 109.45 Td (originates ) Tj ET Q q 0 0 0 rg BT 245.81 109.45 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 286.25 109.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 310.02 109.45 Td (held-for) Tj ET Q q 0 0 0 rg BT 342.03 109.45 Td (-sale ) Tj ET Q q 0 0 0 rg BT 363.57 109.45 Td (with ) Tj ET Q q 0 0 0 rg BT 384.02 109.45 Td (associated ) Tj ET Q q 0 0 0 rg BT 427.78 109.45 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 455.46 109.45 Td (either ) Tj ET Q q 0 0 0 rg BT 480.89 109.45 Td (retained ) Tj ET Q q 0 0 0 rg BT 515.76 109.45 Td (or ) Tj ET Q q 0 0 0 rg BT 526.76 109.45 Td (released. ) Tj ET Q q 0 0 0 rg BT 564.51 109.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.45 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 97.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.43 97.45 Td (records ) Tj ET Q q 0 0 0 rg BT 141.36 97.45 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 168.88 97.45 Td (at ) Tj ET Q q 0 0 0 rg BT 178.59 97.45 Td (fair ) Tj ET Q q 0 0 0 rg BT 194.97 97.45 Td (value ) Tj ET Q q 0 0 0 rg BT 219.13 97.45 Td (on ) Tj ET Q q 0 0 0 rg BT 231.63 97.45 Td (a ) Tj ET Q q 0 0 0 rg BT 238.56 97.45 Td (recurring ) Tj ET Q q 0 0 0 rg BT 277.71 97.45 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.45 Td (Service ) Tj ET Q q 0 0 0 rg BT 82.28 76.45 Td (char) Tj ET Q q 0 0 0 rg BT 99.31 76.45 Td (ges ) Tj ET Q q 0 0 0 rg BT 114.93 76.45 Td (on ) Tj ET Q q 0 0 0 rg BT 127.22 76.45 Td (deposit ) Tj ET Q q 0 0 0 rg BT 158.40 76.45 Td (accounts ) Tj ET Q q 0 0 0 rg BT 195.68 76.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.19 76.45 Td ($27.4 ) Tj ET Q q 0 0 0 rg BT 249.98 76.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.88 76.45 Td ( ) Tj ET Q q 0 0 0 rg BT 281.17 76.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.24 76.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.24 76.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.04 76.45 Td ($23.3 ) Tj ET Q q 0 0 0 rg BT 340.83 76.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.72 76.45 Td ( ) Tj ET Q q 0 0 0 rg BT 372.01 76.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.09 76.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.09 76.45 Td ( ) Tj ET Q q 0 0 0 rg BT 404.38 76.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.11 76.45 Td ($20.4 ) Tj ET Q q 0 0 0 rg BT 445.91 76.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.80 76.45 Td ( ) Tj ET Q q 0 0 0 rg BT 477.09 76.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.17 76.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.17 76.45 Td (, ) Tj ET Q q 0 0 0 rg BT 511.96 76.45 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 552.56 76.45 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.65 64.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.87 64.45 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.87 64.45 Td (% ) Tj ET Q q 0 0 0 rg BT 118.09 64.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.76 64.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.76 64.45 Td ( ) Tj ET Q q 0 0 0 rg BT 151.66 64.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.99 64.45 Td (14%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.32 64.45 Td ( ) Tj ET Q q 0 0 0 rg BT 190.21 64.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.88 64.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.88 64.45 Td (. ) Tj ET Q q 0 0 0 rg BT 226.07 64.45 Td (The ) Tj ET Q q 0 0 0 rg BT 244.51 64.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 280.15 64.45 Td (in ) Tj ET Q q 0 0 0 rg BT 290.83 64.45 Td (recent ) Tj ET Q q 0 0 0 rg BT 318.14 64.45 Td (years ) Tj ET Q q 0 0 0 rg BT 342.13 64.45 Td (is ) Tj ET Q q 0 0 0 rg BT 351.70 64.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 391.80 64.45 Td (a ) Tj ET Q q 0 0 0 rg BT 399.13 64.45 Td (result ) Tj ET Q q 0 0 0 rg BT 424.24 64.45 Td (of ) Tj ET Q q 0 0 0 rg BT 435.47 64.45 Td (higher ) Tj ET Q q 0 0 0 rg BT 463.91 64.45 Td (account ) Tj ET Q q 0 0 0 rg BT 497.89 64.45 Td (analysis ) Tj ET Q q 0 0 0 rg BT 533.00 64.45 Td (fees ) Tj ET Q q 0 0 0 rg BT 552.00 64.45 Td (on ) Tj ET Q endstream endobj 123 0 obj <> endobj 124 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (61) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 81.65 742.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 119.41 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 146.61 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 168.26 742.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 208.78 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 219.88 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 227.08 742.10 Td (result ) Tj ET Q q 0 0 0 rg BT 252.07 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.17 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.15 742.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 325.50 742.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 375.46 742.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 410.45 742.10 Td (initiative ) Tj ET Q q 0 0 0 rg BT 448.76 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 459.86 742.10 Td (well ) Tj ET Q q 0 0 0 rg BT 479.84 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 490.94 742.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 533.70 742.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 730.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 82.86 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 95.36 730.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 126.74 730.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 164.23 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 186.17 730.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 223.09 730.10 Td (institutions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.45 709.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.25 709.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.02 709.10 Td ($323,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.52 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.43 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.66 709.10 Td (net ) Tj ET Q q 0 0 0 rg BT 223.79 709.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 247.81 709.10 Td (on ) Tj ET Q q 0 0 0 rg BT 260.71 709.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 311.59 709.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 333.38 709.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 374.05 709.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.73 709.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.73 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 407.64 709.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 449.97 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.66 709.10 Td (net ) Tj ET Q q 0 0 0 rg BT 475.78 709.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 502.58 709.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.82 709.10 Td ($504,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.32 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 554.23 709.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.81 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.05 697.10 Td (net ) Tj ET Q q 0 0 0 rg BT 105.08 697.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 131.78 697.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.92 697.10 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 163.22 697.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.11 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 194.92 697.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.51 697.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.51 697.10 Td (. ) Tj ET Q q 0 0 0 rg BT 230.61 697.10 Td (The ) Tj ET Q q 0 0 0 rg BT 248.97 697.10 Td (net ) Tj ET Q q 0 0 0 rg BT 263.99 697.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 287.91 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 298.49 697.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 321.30 697.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 361.32 697.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 386.33 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.92 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.94 697.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 430.29 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.43 697.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 513.65 697.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 554.22 697.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.19 685.10 Td (were ) Tj ET Q q 0 0 0 rg BT 88.81 685.10 Td (held ) Tj ET Q q 0 0 0 rg BT 108.23 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 118.20 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.61 685.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 179.38 685.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 230.26 685.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 251.34 685.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 291.29 685.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 330.98 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 333.02 685.10 Td (The ) Tj ET Q q 0 0 0 rg BT 350.76 685.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 391.84 685.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 429.01 685.10 Td (fewer ) Tj ET Q q 0 0 0 rg BT 453.97 685.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 480.05 685.10 Td (on ) Tj ET Q q 0 0 0 rg BT 492.25 685.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 543.13 685.10 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.33 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 100.67 673.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 123.23 673.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 165.22 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.56 673.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 198.12 673.10 Td (due ) Tj ET Q q 0 0 0 rg BT 215.12 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 225.46 673.10 Td (other) Tj ET Q q 0 0 0 rg BT 245.81 673.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 313.34 673.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 362.00 673.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 399.54 673.10 Td (on ) Tj ET Q q 0 0 0 rg BT 412.10 673.10 Td (one ) Tj ET Q q 0 0 0 rg BT 429.10 673.10 Td (security ) Tj ET Q q 0 0 0 rg BT 463.32 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 473.66 673.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 496.22 673.10 Td (as ) Tj ET Q q 0 0 0 rg BT 507.12 673.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.12 673.10 Td (result ) Tj ET Q q 0 0 0 rg BT 538.90 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 673.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (V) Tj ET Q q 0 0 0 rg BT 55.93 661.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 83.42 661.10 Td (Rule. ) Tj ET Q q 0 0 0 rg BT 107.30 661.10 Td ( ) Tj ET Q q 0 0 0 rg BT 109.62 661.10 Td (The ) Tj ET Q q 0 0 0 rg BT 127.67 661.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 169.06 661.10 Td (did ) Tj ET Q q 0 0 0 rg BT 184.34 661.10 Td (not ) Tj ET Q q 0 0 0 rg BT 199.61 661.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 240.98 661.10 Td (any ) Tj ET Q q 0 0 0 rg BT 257.92 661.10 Td (other) Tj ET Q q 0 0 0 rg BT 278.26 661.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 345.73 661.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 394.33 661.10 Td (char) Tj ET Q q 0 0 0 rg BT 411.36 661.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 427.19 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.47 661.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 459.97 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.90 661.10 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (Fees ) Tj ET Q q 0 0 0 rg BT 71.60 640.10 Td (from ) Tj ET Q q 0 0 0 rg BT 94.30 640.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 129.22 640.10 Td (call ) Tj ET Q q 0 0 0 rg BT 146.92 640.10 Td (option ) Tj ET Q q 0 0 0 rg BT 175.74 640.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 226.78 640.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.26 640.10 Td ($15.4 ) Tj ET Q q 0 0 0 rg BT 283.02 640.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.92 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 315.18 640.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.23 640.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.23 640.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 640.10 Td ($7.9 ) Tj ET Q q 0 0 0 rg BT 372.77 640.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.66 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.93 640.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.97 640.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.97 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 439.24 640.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.95 640.10 Td ($4.8 ) Tj ET Q q 0 0 0 rg BT 477.72 640.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.61 640.10 Td ( ) Tj ET Q q 0 0 0 rg BT 509.88 640.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.92 640.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.92 640.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.45 640.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.66 628.10 Td (has ) Tj ET Q q 0 0 0 rg BT 105.77 628.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 142.53 628.10 Td (written ) Tj ET Q q 0 0 0 rg BT 172.63 628.10 Td (call ) Tj ET Q q 0 0 0 rg BT 188.84 628.10 Td (options ) Tj ET Q q 0 0 0 rg BT 220.06 628.10 Td (with ) Tj ET Q q 0 0 0 rg BT 239.62 628.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 263.61 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.71 628.10 Td (less ) Tj ET Q q 0 0 0 rg BT 290.49 628.10 Td (than ) Tj ET Q q 0 0 0 rg BT 309.48 628.10 Td (three ) Tj ET Q q 0 0 0 rg BT 331.24 628.10 Td (months ) Tj ET Q q 0 0 0 rg BT 362.46 628.10 Td (against ) Tj ET Q q 0 0 0 rg BT 392.56 628.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 421.54 628.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 440.97 628.10 Td (T) Tj ET Q q 0 0 0 rg BT 446.73 628.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 477.93 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.14 628.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 524.23 628.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (held ) Tj ET Q q 0 0 0 rg BT 69.69 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 79.95 616.10 Td (its ) Tj ET Q q 0 0 0 rg BT 91.87 616.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 129.34 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 143.48 616.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 179.84 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.76 616.10 Td (other ) Tj ET Q q 0 0 0 rg BT 219.78 616.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 260.31 616.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 314.99 616.10 Td (has ) Tj ET Q q 0 0 0 rg BT 330.79 616.10 Td (ef) Tj ET Q q 0 0 0 rg BT 338.38 616.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 375.83 616.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 407.73 616.10 Td (into ) Tj ET Q q 0 0 0 rg BT 425.77 616.10 Td (these ) Tj ET Q q 0 0 0 rg BT 448.79 616.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 499.03 616.10 Td (with ) Tj ET Q q 0 0 0 rg BT 519.28 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.97 616.10 Td (goal ) Tj ET Q q 0 0 0 rg BT 553.67 616.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (economically ) Tj ET Q q 0 0 0 rg BT 106.05 604.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 140.45 604.10 Td (security ) Tj ET Q q 0 0 0 rg BT 174.29 604.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 212.59 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.22 604.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 272.49 604.10 Td (its ) Tj ET Q q 0 0 0 rg BT 284.13 604.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 314.07 604.10 Td (return ) Tj ET Q q 0 0 0 rg BT 340.14 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 352.32 604.10 Td (its ) Tj ET Q q 0 0 0 rg BT 363.95 604.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 410.02 604.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 447.20 604.10 Td (by ) Tj ET Q q 0 0 0 rg BT 459.38 604.10 Td (using ) Tj ET Q q 0 0 0 rg BT 483.23 604.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 501.52 604.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 542.56 604.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (these ) Tj ET Q q 0 0 0 rg BT 72.31 592.10 Td (options ) Tj ET Q q 0 0 0 rg BT 103.52 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.06 592.10 Td (compensate ) Tj ET Q q 0 0 0 rg BT 162.03 592.10 Td (for ) Tj ET Q q 0 0 0 rg BT 175.45 592.10 Td (net ) Tj ET Q q 0 0 0 rg BT 189.43 592.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 220.63 592.10 Td (mar) Tj ET Q q 0 0 0 rg BT 235.99 592.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 250.53 592.10 Td (compression. ) Tj ET Q q 0 0 0 rg BT 305.21 592.10 Td (These ) Tj ET Q q 0 0 0 rg BT 330.85 592.10 Td (option ) Tj ET Q q 0 0 0 rg BT 358.17 592.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 407.70 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 421.67 592.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 458.98 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.52 592.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 503.05 592.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 532.58 592.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 66.93 580.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 83.87 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.25 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.97 580.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 144.66 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.82 580.10 Td (total ) Tj ET Q q 0 0 0 rg BT 178.53 580.10 Td (return ) Tj ET Q q 0 0 0 rg BT 204.35 580.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 247.39 580.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.10 580.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 299.60 580.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 328.75 580.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 374.57 580.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 414.27 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.65 580.10 Td (do ) Tj ET Q q 0 0 0 rg BT 442.59 580.10 Td (not ) Tj ET Q q 0 0 0 rg BT 457.31 580.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 487.58 580.10 Td (as ) Tj ET Q q 0 0 0 rg BT 497.85 580.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 527.56 580.10 Td (pursuant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.97 568.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 108.03 568.10 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 149.81 568.10 Td (Fees ) Tj ET Q q 0 0 0 rg BT 171.32 568.10 Td (from ) Tj ET Q q 0 0 0 rg BT 193.95 568.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 228.78 568.10 Td (call ) Tj ET Q q 0 0 0 rg BT 246.40 568.10 Td (options ) Tj ET Q q 0 0 0 rg BT 279.04 568.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 319.98 568.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 360.38 568.10 Td (as ) Tj ET Q q 0 0 0 rg BT 371.90 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.52 568.10 Td (result ) Tj ET Q q 0 0 0 rg BT 404.93 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.45 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 419.63 568.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 449.49 568.10 Td (call ) Tj ET Q q 0 0 0 rg BT 467.11 568.10 Td (options ) Tj ET Q q 0 0 0 rg BT 499.74 568.10 Td (against ) Tj ET Q q 0 0 0 rg BT 531.26 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 538.88 568.10 Td (lar) Tj ET Q q 0 0 0 rg BT 549.25 568.10 Td (ger ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 83.18 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.70 556.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 141.22 556.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 182.17 556.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 220.35 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.32 556.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 260.05 556.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 303.24 556.10 Td (received ) Tj ET Q q 0 0 0 rg BT 340.29 556.10 Td (by ) Tj ET Q q 0 0 0 rg BT 353.48 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.88 556.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 410.96 556.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.92 556.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.92 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 445.11 556.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 487.72 556.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.69 556.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.69 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 521.88 556.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 556.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 556.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (There ) Tj ET Q q 0 0 0 rg BT 75.82 544.10 Td (were ) Tj ET Q q 0 0 0 rg BT 97.74 544.10 Td (no ) Tj ET Q q 0 0 0 rg BT 110.24 544.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 159.41 544.10 Td (call ) Tj ET Q q 0 0 0 rg BT 176.34 544.10 Td (option ) Tj ET Q q 0 0 0 rg BT 204.40 544.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 242.99 544.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.71 544.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 311.29 544.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.29 544.10 Td (,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.29 544.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 394.88 544.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.88 544.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.38 544.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.21 544.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 486.79 544.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.79 544.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.47 523.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.28 523.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.07 523.10 Td ($247,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.57 523.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.49 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.75 523.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 233.99 523.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 259.81 523.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.51 523.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.51 523.10 Td (, ) Tj ET Q q 0 0 0 rg BT 293.94 523.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 324.18 523.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 350.00 523.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.25 523.10 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 379.68 523.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.57 523.10 Td ( ) Tj ET Q q 0 0 0 rg BT 410.49 523.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.20 523.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.20 523.10 Td (, ) Tj ET Q q 0 0 0 rg BT 444.62 523.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.98 523.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 491.23 523.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 514.26 523.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.52 523.10 Td ($892,000) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.45 511.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.45 511.10 Td (. ) Tj ET Q q 0 0 0 rg BT 85.63 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 88.11 511.10 Td (T) Tj ET Q q 0 0 0 rg BT 93.87 511.10 Td (rading ) Tj ET Q q 0 0 0 rg BT 122.09 511.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 145.88 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.99 511.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 189.56 511.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 227.21 511.10 Td (by ) Tj ET Q q 0 0 0 rg BT 239.88 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.78 511.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 296.34 511.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 336.23 511.10 Td (result ) Tj ET Q q 0 0 0 rg BT 361.12 511.10 Td (from ) Tj ET Q q 0 0 0 rg BT 383.23 511.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 399.79 511.10 Td (value ) Tj ET Q q 0 0 0 rg BT 424.12 511.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 474.57 511.10 Td (related ) Tj ET Q q 0 0 0 rg BT 504.45 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.90 511.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.01 511.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 96.52 499.10 Td (not ) Tj ET Q q 0 0 0 rg BT 111.95 499.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 157.37 499.10 Td (as ) Tj ET Q q 0 0 0 rg BT 168.35 499.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 201.26 499.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 241.13 499.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 273.21 499.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 290.85 499.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 307.37 499.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 356.69 499.10 Td (that ) Tj ET Q q 0 0 0 rg BT 374.33 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.20 499.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 430.74 499.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 450.61 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.04 499.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 494.78 499.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.87 499.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 544.50 499.10 Td (risk, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (specifically ) Tj ET Q q 0 0 0 rg BT 99.20 487.10 Td (in ) Tj ET Q q 0 0 0 rg BT 110.08 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.41 487.10 Td (event ) Tj ET Q q 0 0 0 rg BT 150.17 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 161.61 487.10 Td (future ) Tj ET Q q 0 0 0 rg BT 188.59 487.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 228.35 487.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.23 487.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 284.00 487.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 316.54 487.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 340.80 487.10 Td (The ) Tj ET Q q 0 0 0 rg BT 359.45 487.10 Td (change ) Tj ET Q q 0 0 0 rg BT 390.88 487.10 Td (in ) Tj ET Q q 0 0 0 rg BT 401.76 487.10 Td (value ) Tj ET Q q 0 0 0 rg BT 426.53 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.96 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.29 487.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 470.27 487.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 517.25 487.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 549.79 487.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (present ) Tj ET Q q 0 0 0 rg BT 80.99 475.10 Td (value ) Tj ET Q q 0 0 0 rg BT 104.75 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.19 475.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 152.84 475.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 172.72 475.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 197.05 475.10 Td (over ) Tj ET Q q 0 0 0 rg BT 216.93 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.26 475.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 273.91 475.10 Td (life ) Tj ET Q q 0 0 0 rg BT 289.35 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.79 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.11 475.10 Td (caps. ) Tj ET Q q 0 0 0 rg BT 336.34 475.10 Td (These ) Tj ET Q q 0 0 0 rg BT 362.33 475.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 399.97 475.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 419.85 475.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 444.18 475.10 Td (are ) Tj ET Q q 0 0 0 rg BT 458.50 475.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 490.60 475.10 Td (from ) Tj ET Q q 0 0 0 rg BT 512.15 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.47 475.10 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (path ) Tj ET Q q 0 0 0 rg BT 69.72 463.10 Td (for ) Tj ET Q q 0 0 0 rg BT 83.88 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.82 463.10 Td (a ) Tj ET Q q 0 0 0 rg BT 107.75 463.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 143.57 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.40 463.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 193.01 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.84 463.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 247.99 463.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 279.93 463.10 Td (rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 92.56 442.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 115.12 442.10 Td (income ) Tj ET Q q 0 0 0 rg BT 147.13 442.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 176.92 442.10 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.92 442.10 Td (2.7 ) Tj ET Q q 0 0 0 rg BT 196.99 442.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.88 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 228.46 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.81 442.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 261.38 442.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 303.38 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.74 442.10 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.74 442.10 Td (163,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.24 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 353.81 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 364.16 442.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 389.05 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 407.17 442.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 442.50 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 452.85 442.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 475.43 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 484.67 442.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 524.46 442.10 Td (related ) Tj ET Q q 0 0 0 rg BT 554.24 442.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.83 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 91.11 430.10 Td (business ) Tj ET Q q 0 0 0 rg BT 127.50 430.10 Td (from ) Tj ET Q q 0 0 0 rg BT 149.44 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.16 430.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 211.24 430.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 242.06 430.10 Td (divisions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.87 409.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 100.75 409.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 124.18 409.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 139.28 409.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 173.81 409.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.91 409.10 Td ($9.5 ) Tj ET Q q 0 0 0 rg BT 224.30 409.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.19 409.10 Td ( ) Tj ET Q q 0 0 0 rg BT 256.08 409.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.74 409.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.74 409.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.13 409.10 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 312.52 409.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.41 409.10 Td ( ) Tj ET Q q 0 0 0 rg BT 344.29 409.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.96 409.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.96 409.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.85 409.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.17 409.10 Td ($7.6 ) Tj ET Q q 0 0 0 rg BT 415.56 409.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.45 409.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.34 409.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 409.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.00 409.10 Td (. ) Tj ET Q q 0 0 0 rg BT 483.39 409.10 Td ( ) Tj ET Q q 0 0 0 rg BT 486.28 409.10 Td (Swap ) Tj ET Q q 0 0 0 rg BT 511.39 409.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 526.48 409.10 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (result ) Tj ET Q q 0 0 0 rg BT 74.36 397.10 Td (from ) Tj ET Q q 0 0 0 rg BT 95.95 397.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 127.53 397.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 144.66 397.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 179.02 397.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 228.93 397.10 Td (related ) Tj ET Q q 0 0 0 rg BT 258.28 397.10 Td (to ) Tj ET Q q 0 0 0 rg BT 268.20 397.10 Td (both ) Tj ET Q q 0 0 0 rg BT 288.13 397.10 Td (customer) Tj ET Q q 0 0 0 rg BT 324.58 397.10 Td (-based ) Tj ET Q q 0 0 0 rg BT 352.83 397.10 Td (trades ) Tj ET Q q 0 0 0 rg BT 378.85 397.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.43 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.80 397.10 Td (related ) Tj ET Q q 0 0 0 rg BT 439.15 397.10 Td (matched ) Tj ET Q q 0 0 0 rg BT 475.16 397.10 Td (trades ) Tj ET Q q 0 0 0 rg BT 501.19 397.10 Td (with ) Tj ET Q q 0 0 0 rg BT 521.11 397.10 Td (inter) Tj ET Q q 0 0 0 rg BT 539.24 397.10 Td (-bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (dealer ) Tj ET Q q 0 0 0 rg BT 76.77 385.10 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 138.08 385.10 Td (The ) Tj ET Q q 0 0 0 rg BT 155.97 385.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 189.96 385.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 236.17 385.10 Td (on ) Tj ET Q q 0 0 0 rg BT 248.51 385.10 Td (this ) Tj ET Q q 0 0 0 rg BT 265.30 385.10 Td (customer) Tj ET Q q 0 0 0 rg BT 301.76 385.10 Td (-based ) Tj ET Q q 0 0 0 rg BT 330.20 385.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 362.54 385.10 Td (is ) Tj ET Q q 0 0 0 rg BT 371.55 385.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 408.89 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.01 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.57 385.10 Td (pace ) Tj ET Q q 0 0 0 rg BT 454.23 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.90 385.10 Td (or) Tj ET Q q 0 0 0 rg BT 473.05 385.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 497.05 385.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 516.61 385.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 549.79 385.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (shape ) Tj ET Q q 0 0 0 rg BT 75.26 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.08 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.79 373.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 123.27 373.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 147.97 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.90 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.60 373.10 Td (customers) Tj ET Q q 0 0 0 rg BT 222.74 373.10 Td ( ) Tj ET Q q 0 0 0 rg BT 225.23 373.10 Td (expectations ) Tj ET Q q 0 0 0 rg BT 277.70 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.52 373.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 320.44 373.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 344.13 373.10 Td (The ) Tj ET Q q 0 0 0 rg BT 362.17 373.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 397.41 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 407.68 373.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 430.72 373.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 445.42 373.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 479.56 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 489.82 373.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 512.31 373.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.23 373.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 73.37 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.19 361.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 114.56 361.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 155.15 361.10 Td (results ) Tj ET Q q 0 0 0 rg BT 184.63 361.10 Td (from ) Tj ET Q q 0 0 0 rg BT 207.44 361.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 240.25 361.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 258.61 361.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 294.20 361.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 345.34 361.10 Td (related ) Tj ET Q q 0 0 0 rg BT 375.91 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.07 361.10 Td (both ) Tj ET Q q 0 0 0 rg BT 408.22 361.10 Td (customer) Tj ET Q q 0 0 0 rg BT 444.67 361.10 Td (-based ) Tj ET Q q 0 0 0 rg BT 474.15 361.10 Td (trades ) Tj ET Q q 0 0 0 rg BT 501.40 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 519.21 361.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.80 361.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (matched ) Tj ET Q q 0 0 0 rg BT 86.37 349.10 Td (trades ) Tj ET Q q 0 0 0 rg BT 112.75 349.10 Td (with ) Tj ET Q q 0 0 0 rg BT 133.03 349.10 Td (inter) Tj ET Q q 0 0 0 rg BT 151.15 349.10 Td (-bank ) Tj ET Q q 0 0 0 rg BT 176.42 349.10 Td (dealer ) Tj ET Q q 0 0 0 rg BT 203.34 349.10 Td (counterparties. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.09 328.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 101.73 328.10 Td (life ) Tj ET Q q 0 0 0 rg BT 117.04 328.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 157.34 328.10 Td (\(BOLI\) ) Tj ET Q q 0 0 0 rg BT 198.19 328.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 239.03 328.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 288.78 328.10 Td (income ) Tj ET Q q 0 0 0 rg BT 320.20 328.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.51 328.10 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 349.99 328.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.88 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 380.86 328.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.63 328.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.63 328.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.11 328.10 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 434.59 328.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.48 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 465.46 328.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.22 328.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.22 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.21 328.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.63 328.10 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 533.11 328.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.05 316.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.05 316.10 Td (. ) Tj ET Q q 0 0 0 rg BT 82.73 316.10 Td (This ) Tj ET Q q 0 0 0 rg BT 101.78 316.10 Td (income ) Tj ET Q q 0 0 0 rg BT 132.48 316.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 168.74 316.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 210.55 316.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 259.60 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 268.65 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.13 316.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 301.17 316.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 340.20 316.10 Td (value ) Tj ET Q q 0 0 0 rg BT 363.13 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 372.73 316.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 397.33 316.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 432.11 316.10 Td (The ) Tj ET Q q 0 0 0 rg BT 448.93 316.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 489.09 316.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 521.47 316.10 Td (purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 75.71 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 85.87 304.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 133.80 304.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 167.85 304.10 Td (term ) Tj ET Q q 0 0 0 rg BT 188.55 304.10 Td (life ) Tj ET Q q 0 0 0 rg BT 204.26 304.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 244.96 304.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 283.44 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.15 304.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 334.84 304.10 Td (of) Tj ET Q q 0 0 0 rg BT 342.99 304.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 367.58 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.40 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.57 304.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 429.72 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.32 304.10 Td (mortality ) Tj ET Q q 0 0 0 rg BT 483.36 304.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 500.74 304.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 544.22 304.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (death ) Tj ET Q q 0 0 0 rg BT 73.19 292.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 106.38 292.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 143.46 292.10 Td (for ) Tj ET Q q 0 0 0 rg BT 156.66 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 165.97 292.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 205.82 292.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 257.35 292.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 294.98 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.95 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 320.26 292.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 365.67 292.10 Td (with ) Tj ET Q q 0 0 0 rg BT 384.99 292.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 413.72 292.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 448.56 292.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 505.64 292.10 Td (arrangements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.26 280.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.86 280.10 Td (has ) Tj ET Q q 0 0 0 rg BT 122.90 280.10 Td (also ) Tj ET Q q 0 0 0 rg BT 140.72 280.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 176.88 280.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 218.58 280.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 243.62 280.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 276.44 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 286.48 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.41 280.10 Td (result ) Tj ET Q q 0 0 0 rg BT 324.34 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.38 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.31 280.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 393.91 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.95 280.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 432.87 280.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 460.28 280.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.54 280.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 518.14 280.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 69.77 268.10 Td (million ) Tj ET Q q 0 0 0 rg BT 100.93 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 110.97 268.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 136.57 268.10 Td (death ) Tj ET Q q 0 0 0 rg BT 160.49 268.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 194.41 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 204.46 268.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 229.06 268.10 Td (The ) Tj ET Q q 0 0 0 rg BT 246.88 268.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 266.91 268.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 306.94 268.10 Td (value ) Tj ET Q q 0 0 0 rg BT 330.86 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.46 268.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 367.05 268.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.53 268.10 Td ($136.2 ) Tj ET Q q 0 0 0 rg BT 426.30 268.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.19 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 457.46 268.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.94 268.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 525.29 268.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.29 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.56 268.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td ($121.4 ) Tj ET Q q 0 0 0 rg BT 80.00 256.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.89 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.39 256.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.11 256.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 179.69 256.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.69 256.10 Td (, ) Tj ET Q q 0 0 0 rg BT 204.69 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.63 256.10 Td (is ) Tj ET Q q 0 0 0 rg BT 230.80 256.10 Td (included ) Tj ET Q q 0 0 0 rg BT 267.73 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 278.01 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 301.06 256.10 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (Administrative ) Tj ET Q q 0 0 0 rg BT 112.78 235.10 Td (services ) Tj ET Q q 0 0 0 rg BT 147.77 235.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 182.20 235.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 223.85 235.10 Td (by ) Tj ET Q q 0 0 0 rg BT 236.43 235.10 Td (T) Tj ET Q q 0 0 0 rg BT 242.19 235.10 Td (ricom ) Tj ET Q q 0 0 0 rg BT 268.30 235.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.64 235.10 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 306.92 235.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.81 235.10 Td ( ) Tj ET Q q 0 0 0 rg BT 338.60 235.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.16 235.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.16 235.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.45 235.10 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 394.74 235.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.63 235.10 Td ( ) Tj ET Q q 0 0 0 rg BT 426.41 235.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.98 235.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.98 235.10 Td ( ) Tj ET Q q 0 0 0 rg BT 459.76 235.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.99 235.10 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 497.27 235.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.16 235.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.95 235.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 235.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 235.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (This ) Tj ET Q q 0 0 0 rg BT 70.45 223.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 104.76 223.10 Td (comprises ) Tj ET Q q 0 0 0 rg BT 147.98 223.10 Td (income ) Tj ET Q q 0 0 0 rg BT 180.08 223.10 Td (from ) Tj ET Q q 0 0 0 rg BT 202.19 223.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 262.07 223.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 299.45 223.10 Td (such ) Tj ET Q q 0 0 0 rg BT 320.45 223.10 Td (as ) Tj ET Q q 0 0 0 rg BT 331.45 223.10 Td (data ) Tj ET Q q 0 0 0 rg BT 350.77 223.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 396.21 223.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.21 223.10 Td (payrolls, ) Tj ET Q q 0 0 0 rg BT 444.60 223.10 Td (billing ) Tj ET Q q 0 0 0 rg BT 473.38 223.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.49 223.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 510.93 223.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 86.59 211.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.26 211.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 139.24 211.10 Td (staf) Tj ET Q q 0 0 0 rg BT 153.50 211.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 171.49 211.10 Td (service ) Tj ET Q q 0 0 0 rg BT 201.69 211.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 229.68 211.10 Td (located ) Tj ET Q q 0 0 0 rg BT 260.44 211.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 306.21 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.32 211.10 Td (United ) Tj ET Q q 0 0 0 rg BT 349.42 211.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 377.56 211.10 Td (T) Tj ET Q q 0 0 0 rg BT 383.31 211.10 Td (ricom ) Tj ET Q q 0 0 0 rg BT 408.52 211.10 Td (also ) Tj ET Q q 0 0 0 rg BT 426.52 211.10 Td (earns ) Tj ET Q q 0 0 0 rg BT 449.50 211.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 480.82 211.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.15 211.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 511.24 211.10 Td (income ) Tj ET Q q 0 0 0 rg BT 542.56 211.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 91.76 199.10 Td (high-yielding, ) Tj ET Q q 0 0 0 rg BT 151.01 199.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 195.54 199.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 233.39 199.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 277.34 199.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 317.98 199.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.63 199.10 Td (this ) Tj ET Q q 0 0 0 rg BT 345.95 199.10 Td (same ) Tj ET Q q 0 0 0 rg BT 369.37 199.10 Td (client ) Tj ET Q q 0 0 0 rg BT 394.45 199.10 Td (base, ) Tj ET Q q 0 0 0 rg BT 417.59 199.10 Td (which ) Tj ET Q q 0 0 0 rg BT 444.90 199.10 Td (is ) Tj ET Q q 0 0 0 rg BT 454.44 199.10 Td (included ) Tj ET Q q 0 0 0 rg BT 491.74 199.10 Td (in ) Tj ET Q q 0 0 0 rg BT 502.39 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.48 199.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.57 199.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (income ) Tj ET Q q 0 0 0 rg BT 81.93 187.10 Td (category) Tj ET Q q 0 0 0 rg BT 115.71 187.10 Td (. ) Tj ET Q q 0 0 0 rg BT 120.53 187.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.57 187.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 177.72 187.10 Td (in ) Tj ET Q q 0 0 0 rg BT 188.00 187.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 214.92 187.10 Td (years ) Tj ET Q q 0 0 0 rg BT 238.52 187.10 Td (are ) Tj ET Q q 0 0 0 rg BT 253.23 187.10 Td (a ) Tj ET Q q 0 0 0 rg BT 260.17 187.10 Td (result ) Tj ET Q q 0 0 0 rg BT 284.88 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.71 187.10 Td (an ) Tj ET Q q 0 0 0 rg BT 307.65 187.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 342.91 187.10 Td (in ) Tj ET Q q 0 0 0 rg BT 353.18 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.90 187.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 400.40 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.04 187.10 Td (T) Tj ET Q q 0 0 0 rg BT 416.80 187.10 Td (ricom) Tj ET Q q 0 0 0 rg BT 442.91 187.10 Td (s ) Tj ET Q q 0 0 0 rg BT 449.30 187.10 Td (client ) Tj ET Q q 0 0 0 rg BT 474.01 187.10 Td (billings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Miscellaneous ) Tj ET Q q 0 0 0 rg BT 112.02 166.10 Td (other ) Tj ET Q q 0 0 0 rg BT 136.82 166.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 188.84 166.10 Td (income ) Tj ET Q q 0 0 0 rg BT 222.53 166.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.99 166.10 Td ($19.2 ) Tj ET Q q 0 0 0 rg BT 280.75 166.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.64 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 313.90 166.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.93 166.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.93 166.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.68 166.10 Td ($12.0 ) Tj ET Q q 0 0 0 rg BT 379.44 166.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.33 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 412.58 166.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.62 166.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.62 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 448.87 166.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.57 166.10 Td ($15.0 ) Tj ET Q q 0 0 0 rg BT 494.32 166.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.21 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 527.47 166.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 166.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 166.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (Miscellaneous ) Tj ET Q q 0 0 0 rg BT 110.20 154.10 Td (income ) Tj ET Q q 0 0 0 rg BT 142.07 154.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 177.82 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.48 154.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 236.56 154.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 257.60 154.10 Td (income ) Tj ET Q q 0 0 0 rg BT 289.47 154.10 Td (from ) Tj ET Q q 0 0 0 rg BT 311.34 154.10 Td (other ) Tj ET Q q 0 0 0 rg BT 334.32 154.10 Td (investments, ) Tj ET Q q 0 0 0 rg BT 387.03 154.10 Td (service ) Tj ET Q q 0 0 0 rg BT 417.78 154.10 Td (char) Tj ET Q q 0 0 0 rg BT 434.80 154.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 450.57 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.44 154.10 Td (other ) Tj ET Q q 0 0 0 rg BT 490.42 154.10 Td (fees. ) Tj ET Q q 0 0 0 rg BT 511.28 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 529.26 154.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.57 142.10 Td (miscellaneous ) Tj ET Q q 0 0 0 rg BT 120.00 142.10 Td (other ) Tj ET Q q 0 0 0 rg BT 143.34 142.10 Td (income ) Tj ET Q q 0 0 0 rg BT 175.56 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 190.01 142.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 212.80 142.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 255.01 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.58 142.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 288.36 142.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 328.36 142.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 362.81 142.10 Td (from ) Tj ET Q q 0 0 0 rg BT 385.03 142.10 Td ($4.1 ) Tj ET Q q 0 0 0 rg BT 405.32 142.10 Td (million ) Tj ET Q q 0 0 0 rg BT 437.00 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.57 142.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 473.13 142.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 498.70 142.10 Td (indemnification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 72.09 130.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 125.28 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.38 130.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 162.53 130.10 Td (million ) Tj ET Q q 0 0 0 rg BT 194.07 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 204.51 130.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 232.71 130.10 Td (net ) Tj ET Q q 0 0 0 rg BT 247.58 130.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 271.34 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 283.99 130.10 Td (partnership ) Tj ET Q q 0 0 0 rg BT 331.63 130.10 Td (investments. ) Tj ET Q q 0 0 0 rg BT 384.37 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 402.57 130.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 439.64 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 450.07 130.10 Td (miscellaneous ) Tj ET Q q 0 0 0 rg BT 509.37 130.10 Td (other ) Tj ET Q q 0 0 0 rg BT 532.57 130.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.68 118.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 87.70 118.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 130.14 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.93 118.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 163.95 118.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 198.62 118.10 Td (from ) Tj ET Q q 0 0 0 rg BT 221.08 118.10 Td ($5.1 ) Tj ET Q q 0 0 0 rg BT 241.60 118.10 Td (million ) Tj ET Q q 0 0 0 rg BT 273.51 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 284.30 118.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 312.87 118.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 338.67 118.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 405.00 118.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 427.46 118.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 481.01 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.47 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 505.92 118.10 Td ($615,000 ) Tj ET Q q 0 0 0 rg BT 546.44 118.10 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.70 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.98 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 96.92 106.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 118.86 106.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 148.56 106.10 Td (sale. ) Tj ET Q endstream endobj 125 0 obj <> endobj 126 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (62) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Non-Inter) Tj ET Q q 0 0 0 rg BT 92.59 742.25 Td (est Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 721.25 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 721.25 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 721.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 166.64 721.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 216.90 721.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 251.61 721.25 Td (by ) Tj ET Q q 0 0 0 rg BT 264.11 721.25 Td (category ) Tj ET Q q 0 0 0 rg BT 301.03 721.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.19 721.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.19 721.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.19 721.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.19 721.25 Td ( ) Tj ET Q q 0 0 0 rg BT 362.69 721.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.63 721.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.63 721.25 Td (:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 710.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 675.95 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 675.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 675.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 675.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 675.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 675.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 675.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 675.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 675.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 675.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 675.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 675.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 675.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 675.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 675.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 647.95 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 647.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 647.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 647.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 647.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 647.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 647.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 591.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 591.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 591.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 591.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 563.95 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 563.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 563.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 563.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 563.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 563.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 563.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 563.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 563.95 48.00 -14.00 re f /GS0 gs 0.8 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 451.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 451.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 451.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 451.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 451.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 451.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 451.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 451.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 451.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 451.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 451.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 451.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 451.95 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 423.95 159.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 423.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 213.50 423.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 423.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 423.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 423.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 423.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 423.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 423.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 423.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 423.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 423.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 465.50 423.95 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 513.50 423.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 423.95 45.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 699.95 m 209.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 699.95 m 213.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 699.95 m 260.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 699.95 m 264.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 699.95 m 311.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 699.95 m 315.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 699.95 m 358.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 699.95 m 362.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 699.95 m 410.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 699.95 m 414.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 699.95 m 461.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 699.95 m 465.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 699.95 m 513.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 699.95 m 517.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 699.95 m 562.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 675.95 m 209.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 675.95 m 213.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 687.95 m 260.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 675.95 m 260.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 687.95 m 264.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 675.95 m 264.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 687.95 m 311.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 675.95 m 311.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 687.95 m 315.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 675.95 m 315.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 687.95 m 358.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 675.95 m 358.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 687.95 m 362.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 675.95 m 362.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 687.95 m 410.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 675.95 m 410.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 687.95 m 414.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 675.95 m 414.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 687.95 m 461.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 675.95 m 461.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 687.95 m 465.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 675.95 m 465.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 687.95 m 513.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 675.95 m 513.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 687.95 m 517.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 675.95 m 517.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 687.95 m 562.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 675.95 m 562.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 619.95 m 260.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 619.95 m 264.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 619.95 m 311.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 619.95 m 315.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 619.95 m 358.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 619.95 m 362.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 619.95 m 410.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 619.95 m 414.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 619.95 m 461.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 619.95 m 465.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 619.95 m 513.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 619.95 m 517.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 619.95 m 562.5 619.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 423.95 m 260.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 409.95 m 260.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 423.95 m 264.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 409.95 m 264.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 423.95 m 311.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 409.95 m 311.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 423.95 m 315.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 409.95 m 315.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 423.95 m 358.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 409.95 m 358.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 423.95 m 362.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 409.95 m 362.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 423.95 m 410.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 409.95 m 410.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 423.95 m 414.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 409.95 m 414.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 423.95 m 461.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 409.95 m 461.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 423.95 m 465.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 409.95 m 465.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 423.95 m 513.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 409.95 m 513.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 423.95 m 517.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 409.95 m 517.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 423.95 m 562.5 423.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 409.95 m 562.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 395.95 m 209.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 395.95 m 213.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 395.95 m 260.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 395.95 m 264.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 395.95 m 311.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 395.95 m 315.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 395.95 m 358.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 395.95 m 362.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 395.95 m 410.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 395.95 m 414.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 395.95 m 461.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 395.95 m 465.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 465.5 395.95 m 513.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 513.5 395.95 m 517.5 395.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 395.95 m 562.5 395.95 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 691.21 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.80 691.35 Td (Years ended December31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.20 691.35 Td (2015comparedto2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.85 691.21 Td (2014comparedto2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 679.21 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.50 679.35 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.50 679.21 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 327.50 679.21 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.85 679.35 Td ($ Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 417.10 679.35 Td (%Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.85 679.21 Td ($ Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.85 679.21 Td (%Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 667.21 Td (Salaries and employee benefits:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 653.21 Td (Salaries) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.00 652.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.75 652.40 Td (197,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 652.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.75 652.41 Td (177,811) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 652.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 652.41 Td (170,123) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 652.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 652.40 Td (19,664) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 652.40 Td (11) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 652.40 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 652.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 652.41 Td (7,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 652.41 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 652.41 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 639.21 Td (Commissions and incentive compensation) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.75 638.40 Td (120,138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.75 638.41 Td (103,185) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 638.41 Td (87,837) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 638.40 Td (16,953) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 638.40 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 638.41 Td (15,348) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 638.41 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 625.21 Td (Benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 624.40 Td (64,467) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 624.41 Td (54,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 624.41 Td (50,834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 624.40 Td (9,957) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 624.40 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 624.41 Td (3,676) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 624.41 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.00 611.21 Td (Total salaries and employee benefits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.00 610.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.75 610.40 Td (382,080) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 610.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.75 610.41 Td (335,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 610.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 610.41 Td (308,794) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 610.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 610.40 Td (46,574) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 610.40 Td (14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 610.40 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 610.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 610.41 Td (26,712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 610.41 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 610.41 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 597.21 Td (Equipment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 596.40 Td (32,812) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 596.41 Td (29,609) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 596.41 Td (26,450) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 596.40 Td (3,203) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 596.40 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 596.41 Td (3,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 596.41 Td (12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 583.21 Td (Equipment on operating lease) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.75 582.40 Td (1,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 294.50 582.41 Td (142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 582.41 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 582.40 Td (1,684) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 582.40 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 582.41 Td (142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.45 582.41 Td (NM) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 569.21 Td (Occupancy, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 568.40 Td (48,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 568.41 Td (42,889) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 568.41 Td (36,633) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 568.40 Td (5,991) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 568.40 Td (14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 568.41 Td (6,256) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 568.41 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 555.21 Td (Data processing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 554.40 Td (26,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 554.41 Td (19,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 554.41 Td (18,672) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 554.40 Td (7,604) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 554.40 Td (39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 554.41 Td (664) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 554.41 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 541.21 Td (Advertising and marketing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 540.40 Td (21,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 540.41 Td (13,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 540.41 Td (11,051) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 540.40 Td (8,353) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 540.40 Td (62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 540.41 Td (2,520) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 540.41 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 527.21 Td (Professional fees) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 526.40 Td (18,225) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 526.41 Td (15,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 526.41 Td (14,922) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 526.40 Td (2,651) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 526.40 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 526.41 Td (652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 526.41 Td (4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 513.21 Td (Amortization of other intangible assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.75 512.40 Td (4,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 512.41 Td (4,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 512.41 Td (4,627) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.00 512.40 Td (\(71) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 512.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 444.50 512.40 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 512.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.00 512.41 Td (65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 512.41 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 499.21 Td (FDIC insurance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 498.40 Td (12,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 498.41 Td (12,168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 498.41 Td (12,728) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 498.40 Td (218) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.50 498.40 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 498.41 Td (\(560) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 498.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 498.41 Td (\(4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 498.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 485.21 Td (OREO expenses, net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.75 484.40 Td (4,483) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 484.41 Td (9,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 484.41 Td (5,834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 383.75 484.40 Td (\(4,884) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 484.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 484.40 Td (\(52) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 484.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 484.41 Td (3,533) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 484.41 Td (61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 471.21 Td (Other:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 457.21 Td (Commissions 3rd party brokers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.75 456.40 Td (5,474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 456.41 Td (6,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 456.41 Td (5,078) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 390.50 456.40 Td (\(907) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 456.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.00 456.40 Td (\(14) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 456.40 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 456.41 Td (1,303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 456.41 Td (26) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 443.21 Td (Postage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.75 442.40 Td (7,030) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.75 442.41 Td (6,045) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.75 442.41 Td (5,591) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 393.50 442.40 Td (985) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 442.40 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 442.41 Td (454) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 442.41 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 429.21 Td (Miscellaneous) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 428.40 Td (61,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 428.41 Td (51,567) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 428.41 Td (52,171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 428.40 Td (10,171) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 428.40 Td (20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 428.41 Td (\(604) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 428.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 428.41 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 428.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.00 415.21 Td (Total other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.00 414.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.25 414.40 Td (74,242) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 414.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 283.25 414.41 Td (63,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 414.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 330.25 414.41 Td (62,840) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 414.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 414.40 Td (10,249) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 414.40 Td (16) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 414.40 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 414.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 489.75 414.41 Td (1,153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 414.41 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 414.41 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 401.21 Td (Total Non-Interest Expense) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.00 400.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 227.75 400.40 Td (628,419) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.00 400.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.75 400.41 Td (546,847) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 400.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 325.75 400.41 Td (502,551) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 365.00 400.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.25 400.40 Td (81,572) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.00 400.40 Td (15) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.00 400.40 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 400.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 485.25 400.41 Td (44,296) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 400.41 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 400.41 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 384.45 Td (NMNot Meaningful) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 363.45 Td (Notable ) Tj ET Q q 0 0 0 rg BT 84.16 363.45 Td (contributions ) Tj ET Q q 0 0 0 rg BT 139.43 363.45 Td (to ) Tj ET Q q 0 0 0 rg BT 149.71 363.45 Td (the ) Tj ET Q q 0 0 0 rg BT 164.42 363.45 Td (change ) Tj ET Q q 0 0 0 rg BT 195.24 363.45 Td (in ) Tj ET Q q 0 0 0 rg BT 205.52 363.45 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 255.78 363.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 290.49 363.45 Td (are ) Tj ET Q q 0 0 0 rg BT 305.20 363.45 Td (as ) Tj ET Q q 0 0 0 rg BT 316.03 363.45 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 342.45 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 84.41 342.45 Td (and ) Tj ET Q q 0 0 0 rg BT 101.60 342.45 Td (employee ) Tj ET Q q 0 0 0 rg BT 143.23 342.45 Td (benefits ) Tj ET Q q 0 0 0 rg BT 177.64 342.45 Td (is ) Tj ET Q q 0 0 0 rg BT 187.06 342.45 Td (the ) Tj ET Q q 0 0 0 rg BT 202.03 342.45 Td (lar) Tj ET Q q 0 0 0 rg BT 212.40 342.45 Td (gest ) Tj ET Q q 0 0 0 rg BT 231.26 342.45 Td (component ) Tj ET Q q 0 0 0 rg BT 278.45 342.45 Td (of ) Tj ET Q q 0 0 0 rg BT 289.53 342.45 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 340.05 342.45 Td (expense, ) Tj ET Q q 0 0 0 rg BT 377.51 342.45 Td (accounting ) Tj ET Q q 0 0 0 rg BT 424.14 342.45 Td (for ) Tj ET Q q 0 0 0 rg BT 438.55 342.45 Td (61% ) Tj ET Q q 0 0 0 rg BT 459.63 342.45 Td (of ) Tj ET Q q 0 0 0 rg BT 470.72 342.45 Td (the ) Tj ET Q q 0 0 0 rg BT 485.69 342.45 Td (total ) Tj ET Q q 0 0 0 rg BT 506.22 342.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.75 342.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.75 342.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 342.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 330.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.74 330.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.74 330.45 Td (. ) Tj ET Q q 0 0 0 rg BT 93.53 330.45 Td (For ) Tj ET Q q 0 0 0 rg BT 110.72 330.45 Td (the ) Tj ET Q q 0 0 0 rg BT 126.24 330.45 Td (year ) Tj ET Q q 0 0 0 rg BT 146.74 330.45 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.92 330.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 233.30 330.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.30 330.45 Td (, ) Tj ET Q q 0 0 0 rg BT 259.09 330.45 Td (salaries ) Tj ET Q q 0 0 0 rg BT 292.38 330.45 Td (and ) Tj ET Q q 0 0 0 rg BT 310.11 330.45 Td (employee ) Tj ET Q q 0 0 0 rg BT 352.28 330.45 Td (benefits ) Tj ET Q q 0 0 0 rg BT 387.23 330.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.74 330.45 Td ($382.1 ) Tj ET Q q 0 0 0 rg BT 448.54 330.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.43 330.45 Td ( ) Tj ET Q q 0 0 0 rg BT 480.73 330.45 Td (and ) Tj ET Q q 0 0 0 rg BT 498.47 330.45 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.52 330.45 Td ($46.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 318.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 318.45 Td (, ) Tj ET Q q 0 0 0 rg BT 83.49 318.45 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.93 318.45 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.93 318.45 Td (%, ) Tj ET Q q 0 0 0 rg BT 116.86 318.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 158.38 318.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.26 318.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.26 318.45 Td (. ) Tj ET Q q 0 0 0 rg BT 192.71 318.45 Td (This ) Tj ET Q q 0 0 0 rg BT 212.59 318.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 247.45 318.45 Td (can ) Tj ET Q q 0 0 0 rg BT 263.43 318.45 Td (be ) Tj ET Q q 0 0 0 rg BT 274.97 318.45 Td (attributed ) Tj ET Q q 0 0 0 rg BT 315.39 318.45 Td (to ) Tj ET Q q 0 0 0 rg BT 325.27 318.45 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 344.88 318.45 Td (million ) Tj ET Q q 0 0 0 rg BT 375.87 318.45 Td (in ) Tj ET Q q 0 0 0 rg BT 385.75 318.45 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 431.73 318.45 Td (and ) Tj ET Q q 0 0 0 rg BT 448.27 318.45 Td (non-operating ) Tj ET Q q 0 0 0 rg BT 506.47 318.45 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 306.45 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 306.45 Td (ges, ) Tj ET Q q 0 0 0 rg BT 84.69 306.45 Td (a ) Tj ET Q q 0 0 0 rg BT 90.96 306.45 Td ($17.2 ) Tj ET Q q 0 0 0 rg BT 115.29 306.45 Td (million ) Tj ET Q q 0 0 0 rg BT 146.01 306.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 180.59 306.45 Td (in ) Tj ET Q q 0 0 0 rg BT 190.20 306.45 Td (salaries ) Tj ET Q q 0 0 0 rg BT 222.01 306.45 Td (resulting ) Tj ET Q q 0 0 0 rg BT 258.84 306.45 Td (from ) Tj ET Q q 0 0 0 rg BT 280.11 306.45 Td (annual ) Tj ET Q q 0 0 0 rg BT 308.59 306.45 Td (salary ) Tj ET Q q 0 0 0 rg BT 334.30 306.45 Td (increases, ) Tj ET Q q 0 0 0 rg BT 375.28 306.45 Td (additional ) Tj ET Q q 0 0 0 rg BT 417.10 306.45 Td (employees ) Tj ET Q q 0 0 0 rg BT 461.69 306.45 Td (from ) Tj ET Q q 0 0 0 rg BT 482.96 306.45 Td (various ) Tj ET Q q 0 0 0 rg BT 514.23 306.45 Td (acquisitions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 294.45 Td (and ) Tj ET Q q 0 0 0 rg BT 65.73 294.45 Td (lar) Tj ET Q q 0 0 0 rg BT 76.10 294.45 Td (ger ) Tj ET Q q 0 0 0 rg BT 90.16 294.45 Td (staf) Tj ET Q q 0 0 0 rg BT 104.41 294.45 Td (fing ) Tj ET Q q 0 0 0 rg BT 121.81 294.45 Td (as ) Tj ET Q q 0 0 0 rg BT 131.44 294.45 Td (the ) Tj ET Q q 0 0 0 rg BT 144.94 294.45 Td (company ) Tj ET Q q 0 0 0 rg BT 182.89 294.45 Td (grows, ) Tj ET Q q 0 0 0 rg BT 211.13 294.45 Td (a ) Tj ET Q q 0 0 0 rg BT 216.86 294.45 Td ($16.6 ) Tj ET Q q 0 0 0 rg BT 240.65 294.45 Td (million ) Tj ET Q q 0 0 0 rg BT 270.83 294.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 304.88 294.45 Td (in ) Tj ET Q q 0 0 0 rg BT 313.95 294.45 Td (commissions ) Tj ET Q q 0 0 0 rg BT 367.46 294.45 Td (and ) Tj ET Q q 0 0 0 rg BT 383.19 294.45 Td (incentive ) Tj ET Q q 0 0 0 rg BT 421.14 294.45 Td (compensation ) Tj ET Q q 0 0 0 rg BT 477.97 294.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 516.47 294.45 Td (attributable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 282.45 Td (to ) Tj ET Q q 0 0 0 rg BT 60.04 282.45 Td (higher ) Tj ET Q q 0 0 0 rg BT 87.85 282.45 Td (expenses ) Tj ET Q q 0 0 0 rg BT 126.21 282.45 Td (on ) Tj ET Q q 0 0 0 rg BT 138.48 282.45 Td (variable ) Tj ET Q q 0 0 0 rg BT 172.94 282.45 Td (pay ) Tj ET Q q 0 0 0 rg BT 189.64 282.45 Td (based ) Tj ET Q q 0 0 0 rg BT 214.68 282.45 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 270.80 282.45 Td (and ) Tj ET Q q 0 0 0 rg BT 287.50 282.45 Td (an ) Tj ET Q q 0 0 0 rg BT 299.20 282.45 Td ($8.3 ) Tj ET Q q 0 0 0 rg BT 318.97 282.45 Td (million ) Tj ET Q q 0 0 0 rg BT 350.12 282.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 385.14 282.45 Td (in ) Tj ET Q q 0 0 0 rg BT 395.18 282.45 Td (employee ) Tj ET Q q 0 0 0 rg BT 436.32 282.45 Td (benefits ) Tj ET Q q 0 0 0 rg BT 470.23 282.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 509.71 282.45 Td (due ) Tj ET Q q 0 0 0 rg BT 526.41 282.45 Td (to ) Tj ET Q q 0 0 0 rg BT 536.45 282.45 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 270.45 Td (insurance ) Tj ET Q q 0 0 0 rg BT 90.21 270.45 Td (costs. ) Tj ET Q q 0 0 0 rg BT 114.60 270.45 Td (For ) Tj ET Q q 0 0 0 rg BT 130.38 270.45 Td (the ) Tj ET Q q 0 0 0 rg BT 144.49 270.45 Td (year ) Tj ET Q q 0 0 0 rg BT 163.59 270.45 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.36 270.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 247.34 270.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.34 270.45 Td (, ) Tj ET Q q 0 0 0 rg BT 271.73 270.45 Td (salaries ) Tj ET Q q 0 0 0 rg BT 303.61 270.45 Td (and ) Tj ET Q q 0 0 0 rg BT 319.94 270.45 Td (employee ) Tj ET Q q 0 0 0 rg BT 360.70 270.45 Td (benefits ) Tj ET Q q 0 0 0 rg BT 394.25 270.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.35 270.45 Td ($335.5 ) Tj ET Q q 0 0 0 rg BT 452.74 270.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.64 270.45 Td ( ) Tj ET Q q 0 0 0 rg BT 483.53 270.45 Td (and ) Tj ET Q q 0 0 0 rg BT 499.86 270.45 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 270.45 Td ($26.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 258.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 258.45 Td (, ) Tj ET Q q 0 0 0 rg BT 83.33 258.45 Td (or ) Tj ET Q q 0 0 0 rg BT 93.59 258.45 Td (9%, ) Tj ET Q q 0 0 0 rg BT 111.36 258.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 152.72 258.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.43 258.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.43 258.45 Td (. ) Tj ET Q q 0 0 0 rg BT 186.72 258.45 Td (This ) Tj ET Q q 0 0 0 rg BT 206.44 258.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 241.13 258.45 Td (can ) Tj ET Q q 0 0 0 rg BT 256.94 258.45 Td (be ) Tj ET Q q 0 0 0 rg BT 268.31 258.45 Td (attributed ) Tj ET Q q 0 0 0 rg BT 308.57 258.45 Td (to ) Tj ET Q q 0 0 0 rg BT 318.28 258.45 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 258.45 Td ($7.7 ) Tj ET Q q 0 0 0 rg BT 344.09 258.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.98 258.45 Td ( ) Tj ET Q q 0 0 0 rg BT 374.92 258.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 409.60 258.45 Td (in ) Tj ET Q q 0 0 0 rg BT 419.32 258.45 Td (salaries ) Tj ET Q q 0 0 0 rg BT 451.24 258.45 Td (resulting ) Tj ET Q q 0 0 0 rg BT 488.17 258.45 Td (from ) Tj ET Q q 0 0 0 rg BT 509.54 258.45 Td (annual ) Tj ET Q q 0 0 0 rg BT 538.13 258.45 Td (salary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 246.45 Td (increases, ) Tj ET Q q 0 0 0 rg BT 93.66 246.45 Td (additional ) Tj ET Q q 0 0 0 rg BT 138.16 246.45 Td (employees ) Tj ET Q q 0 0 0 rg BT 185.44 246.45 Td (from ) Tj ET Q q 0 0 0 rg BT 209.39 246.45 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 261.68 246.45 Td (and ) Tj ET Q q 0 0 0 rg BT 280.63 246.45 Td (lar) Tj ET Q q 0 0 0 rg BT 291.00 246.45 Td (ger ) Tj ET Q q 0 0 0 rg BT 308.28 246.45 Td (staf) Tj ET Q q 0 0 0 rg BT 322.53 246.45 Td (fing ) Tj ET Q q 0 0 0 rg BT 343.16 246.45 Td (as ) Tj ET Q q 0 0 0 rg BT 356.00 246.45 Td (the ) Tj ET Q q 0 0 0 rg BT 372.73 246.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 416.13 246.45 Td (grows, ) Tj ET Q q 0 0 0 rg BT 447.59 246.45 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.54 246.45 Td ($15.3 ) Tj ET Q q 0 0 0 rg BT 483.55 246.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.44 246.45 Td ( ) Tj ET Q q 0 0 0 rg BT 516.96 246.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 554.22 246.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 234.45 Td (commissions ) Tj ET Q q 0 0 0 rg BT 104.27 234.45 Td (and ) Tj ET Q q 0 0 0 rg BT 120.75 234.45 Td (incentive ) Tj ET Q q 0 0 0 rg BT 159.44 234.45 Td (compensation ) Tj ET Q q 0 0 0 rg BT 217.02 234.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 256.27 234.45 Td (attributable ) Tj ET Q q 0 0 0 rg BT 303.85 234.45 Td (to ) Tj ET Q q 0 0 0 rg BT 313.67 234.45 Td (the ) Tj ET Q q 0 0 0 rg BT 327.92 234.45 Td (Company's ) Tj ET Q q 0 0 0 rg BT 374.54 234.45 Td (long-term ) Tj ET Q q 0 0 0 rg BT 416.02 234.45 Td (incentive ) Tj ET Q q 0 0 0 rg BT 454.71 234.45 Td (program ) Tj ET Q q 0 0 0 rg BT 490.62 234.45 Td (and ) Tj ET Q q 0 0 0 rg BT 507.10 234.45 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.58 234.45 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 533.12 234.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 222.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.25 222.45 Td (in ) Tj ET Q q 0 0 0 rg BT 95.53 222.45 Td (employee ) Tj ET Q q 0 0 0 rg BT 136.90 222.45 Td (benefits ) Tj ET Q q 0 0 0 rg BT 171.06 222.45 Td (\(primarily ) Tj ET Q q 0 0 0 rg BT 214.10 222.45 Td (health ) Tj ET Q q 0 0 0 rg BT 241.04 222.45 Td (plan ) Tj ET Q q 0 0 0 rg BT 260.75 222.45 Td (and ) Tj ET Q q 0 0 0 rg BT 277.69 222.45 Td (payroll ) Tj ET Q q 0 0 0 rg BT 308.52 222.45 Td (taxes ) Tj ET Q q 0 0 0 rg BT 331.56 222.45 Td (related\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 201.45 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 96.13 201.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 130.59 201.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.05 201.45 Td ($32.8 ) Tj ET Q q 0 0 0 rg BT 184.79 201.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.69 201.45 Td ( ) Tj ET Q q 0 0 0 rg BT 215.94 201.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.96 201.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.96 201.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.71 201.45 Td ($29.6 ) Tj ET Q q 0 0 0 rg BT 275.46 201.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.35 201.45 Td ( ) Tj ET Q q 0 0 0 rg BT 306.60 201.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.63 201.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.63 201.45 Td ( ) Tj ET Q q 0 0 0 rg BT 338.87 201.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.56 201.45 Td ($26.5 ) Tj ET Q q 0 0 0 rg BT 380.31 201.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.20 201.45 Td ( ) Tj ET Q q 0 0 0 rg BT 411.45 201.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.48 201.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.48 201.45 Td (, ) Tj ET Q q 0 0 0 rg BT 446.23 201.45 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 486.78 201.45 Td (an ) Tj ET Q q 0 0 0 rg BT 498.47 201.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 533.47 201.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.05 201.45 Td (1) Tj ET Q q 0 0 0 rg BT 548.68 201.45 Td (1%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 189.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.70 189.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.70 189.45 Td ( ) Tj ET Q q 0 0 0 rg BT 81.62 189.45 Td (and ) Tj ET Q q 0 0 0 rg BT 97.99 189.45 Td (an ) Tj ET Q q 0 0 0 rg BT 109.35 189.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 144.02 189.45 Td (of ) Tj ET Q q 0 0 0 rg BT 154.28 189.45 Td (12% ) Tj ET Q q 0 0 0 rg BT 174.53 189.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.23 189.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.23 189.45 Td (. ) Tj ET Q q 0 0 0 rg BT 208.51 189.45 Td (The ) Tj ET Q q 0 0 0 rg BT 225.98 189.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 260.66 189.45 Td (in ) Tj ET Q q 0 0 0 rg BT 270.36 189.45 Td (equipment ) Tj ET Q q 0 0 0 rg BT 314.50 189.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 348.63 189.45 Td (in ) Tj ET Q q 0 0 0 rg BT 358.33 189.45 Td (2015 ) Tj ET Q q 0 0 0 rg BT 380.25 189.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 419.39 189.45 Td (related ) Tj ET Q q 0 0 0 rg BT 448.51 189.45 Td (to ) Tj ET Q q 0 0 0 rg BT 458.21 189.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 497.89 189.45 Td (software ) Tj ET Q q 0 0 0 rg BT 534.24 189.45 Td (license ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 177.45 Td (fees, ) Tj ET Q q 0 0 0 rg BT 71.85 177.45 Td (the ) Tj ET Q q 0 0 0 rg BT 87.32 177.45 Td (impact ) Tj ET Q q 0 0 0 rg BT 117.78 177.45 Td (of ) Tj ET Q q 0 0 0 rg BT 129.37 177.45 Td (recent ) Tj ET Q q 0 0 0 rg BT 157.04 177.45 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 208.07 177.45 Td (and ) Tj ET Q q 0 0 0 rg BT 225.76 177.45 Td (higher ) Tj ET Q q 0 0 0 rg BT 254.56 177.45 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 307.23 177.45 Td (as ) Tj ET Q q 0 0 0 rg BT 318.81 177.45 Td (a ) Tj ET Q q 0 0 0 rg BT 326.50 177.45 Td (result ) Tj ET Q q 0 0 0 rg BT 351.97 177.45 Td (of ) Tj ET Q q 0 0 0 rg BT 363.55 177.45 Td (equipment ) Tj ET Q q 0 0 0 rg BT 409.01 177.45 Td (purchases. ) Tj ET Q q 0 0 0 rg BT 453.96 177.45 Td (The ) Tj ET Q q 0 0 0 rg BT 472.76 177.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 508.76 177.45 Td (in ) Tj ET Q q 0 0 0 rg BT 519.79 177.45 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 165.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 85.24 165.45 Td (in ) Tj ET Q q 0 0 0 rg BT 96.06 165.45 Td (2014 ) Tj ET Q q 0 0 0 rg BT 119.10 165.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 161.56 165.45 Td (to ) Tj ET Q q 0 0 0 rg BT 172.37 165.45 Td (2013 ) Tj ET Q q 0 0 0 rg BT 195.41 165.45 Td (was ) Tj ET Q q 0 0 0 rg BT 214.00 165.45 Td (a ) Tj ET Q q 0 0 0 rg BT 221.47 165.45 Td (result ) Tj ET Q q 0 0 0 rg BT 246.73 165.45 Td (of ) Tj ET Q q 0 0 0 rg BT 258.10 165.45 Td (both ) Tj ET Q q 0 0 0 rg BT 278.91 165.45 Td (additional ) Tj ET Q q 0 0 0 rg BT 321.94 165.45 Td (equipment ) Tj ET Q q 0 0 0 rg BT 367.19 165.45 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 419.64 165.45 Td (related ) Tj ET Q q 0 0 0 rg BT 449.88 165.45 Td (to ) Tj ET Q q 0 0 0 rg BT 460.70 165.45 Td (the ) Tj ET Q q 0 0 0 rg BT 475.95 165.45 Td (increasing ) Tj ET Q q 0 0 0 rg BT 520.08 165.45 Td (number ) Tj ET Q q 0 0 0 rg BT 553.67 165.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 153.45 Td (facilities ) Tj ET Q q 0 0 0 rg BT 86.72 153.45 Td (due ) Tj ET Q q 0 0 0 rg BT 103.45 153.45 Td (to ) Tj ET Q q 0 0 0 rg BT 113.51 153.45 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 159.68 153.45 Td (activity ) Tj ET Q q 0 0 0 rg BT 191.96 153.45 Td (and ) Tj ET Q q 0 0 0 rg BT 208.69 153.45 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 261.51 153.45 Td (and ) Tj ET Q q 0 0 0 rg BT 278.23 153.45 Td (repair ) Tj ET Q q 0 0 0 rg BT 303.84 153.45 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 344.73 153.45 Td ( ) Tj ET Q q 0 0 0 rg BT 347.02 153.45 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 393.19 153.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 427.68 153.45 Td (includes ) Tj ET Q q 0 0 0 rg BT 463.30 153.45 Td (furniture, ) Tj ET Q q 0 0 0 rg BT 503.07 153.45 Td (equipment ) Tj ET Q q 0 0 0 rg BT 547.57 153.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 141.45 Td (computer ) Tj ET Q q 0 0 0 rg BT 90.26 141.45 Td (software, ) Tj ET Q q 0 0 0 rg BT 129.69 141.45 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 181.61 141.45 Td (and ) Tj ET Q q 0 0 0 rg BT 198.55 141.45 Td (repairs ) Tj ET Q q 0 0 0 rg BT 228.26 141.45 Td (and ) Tj ET Q q 0 0 0 rg BT 245.20 141.45 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 298.22 141.45 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 117.45 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 96.49 117.45 Td (on ) Tj ET Q q 0 0 0 rg BT 109.10 117.45 Td (operating ) Tj ET Q q 0 0 0 rg BT 149.47 117.45 Td (lease ) Tj ET Q q 0 0 0 rg BT 172.07 117.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 206.88 117.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.70 117.45 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 256.81 117.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.70 117.45 Td ( ) Tj ET Q q 0 0 0 rg BT 288.31 117.45 Td (in ) Tj ET Q q 0 0 0 rg BT 298.70 117.45 Td (2015, ) Tj ET Q q 0 0 0 rg BT 323.81 117.45 Td (an ) Tj ET Q q 0 0 0 rg BT 335.86 117.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 371.22 117.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.16 117.45 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 402.27 117.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.16 117.45 Td ( ) Tj ET Q q 0 0 0 rg BT 433.77 117.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 475.80 117.45 Td (to ) Tj ET Q q 0 0 0 rg BT 486.19 117.45 Td (2014. ) Tj ET Q q 0 0 0 rg BT 511.11 117.45 Td (The ) Tj ET Q q 0 0 0 rg BT 529.26 117.45 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 105.45 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 105.45 Td (2015 ) Tj ET Q q 0 0 0 rg BT 82.78 105.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 124.70 105.45 Td (to ) Tj ET Q q 0 0 0 rg BT 134.98 105.45 Td (2014 ) Tj ET Q q 0 0 0 rg BT 157.48 105.45 Td (was ) Tj ET Q q 0 0 0 rg BT 175.53 105.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 215.24 105.45 Td (related ) Tj ET Q q 0 0 0 rg BT 244.95 105.45 Td (to ) Tj ET Q q 0 0 0 rg BT 255.22 105.45 Td (growth ) Tj ET Q q 0 0 0 rg BT 286.05 105.45 Td (in ) Tj ET Q q 0 0 0 rg BT 296.33 105.45 Td (business ) Tj ET Q q 0 0 0 rg BT 332.72 105.45 Td (from ) Tj ET Q q 0 0 0 rg BT 354.66 105.45 Td (the ) Tj ET Q q 0 0 0 rg BT 369.38 105.45 Td (Company's ) Tj ET Q q 0 0 0 rg BT 416.46 105.45 Td (leasing ) Tj ET Q q 0 0 0 rg BT 447.29 105.45 Td (divisions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 81.45 Td (Occupancy ) Tj ET Q q 0 0 0 rg BT 96.94 81.45 Td (expense ) Tj ET Q q 0 0 0 rg BT 131.10 81.45 Td (for ) Tj ET Q q 0 0 0 rg BT 144.72 81.45 Td (the ) Tj ET Q q 0 0 0 rg BT 158.90 81.45 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.96 81.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.96 81.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.42 81.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.42 81.45 Td ( ) Tj ET Q q 0 0 0 rg BT 228.37 81.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.77 81.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.77 81.45 Td ( ) Tj ET Q q 0 0 0 rg BT 266.73 81.45 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.24 81.45 Td ($48.9 ) Tj ET Q q 0 0 0 rg BT 308.70 81.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.59 81.45 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.05 81.45 Td ($42.9 ) Tj ET Q q 0 0 0 rg BT 366.51 81.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.40 81.45 Td ( ) Tj ET Q q 0 0 0 rg BT 397.36 81.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.76 81.45 Td ($36.6 ) Tj ET Q q 0 0 0 rg BT 438.22 81.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.11 81.45 Td (, ) Tj ET Q q 0 0 0 rg BT 471.57 81.45 Td (respectively) Tj ET Q q 0 0 0 rg BT 519.23 81.45 Td (, ) Tj ET Q q 0 0 0 rg BT 523.69 81.45 Td (reflecting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 69.45 Td (increases ) Tj ET Q q 0 0 0 rg BT 89.32 69.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.32 69.45 Td (14%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.65 69.45 Td ( ) Tj ET Q q 0 0 0 rg BT 121.32 69.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.77 69.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.77 69.45 Td ( ) Tj ET Q q 0 0 0 rg BT 154.44 69.45 Td (and ) Tj ET Q q 0 0 0 rg BT 171.55 69.45 Td (17% ) Tj ET Q q 0 0 0 rg BT 192.55 69.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.00 69.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.00 69.45 Td (. ) Tj ET Q q 0 0 0 rg BT 227.98 69.45 Td (The ) Tj ET Q q 0 0 0 rg BT 246.19 69.45 Td (increases ) Tj ET Q q 0 0 0 rg BT 285.51 69.45 Td (in ) Tj ET Q q 0 0 0 rg BT 295.96 69.45 Td (2015 ) Tj ET Q q 0 0 0 rg BT 318.63 69.45 Td (and ) Tj ET Q q 0 0 0 rg BT 335.74 69.45 Td (2014 ) Tj ET Q q 0 0 0 rg BT 358.41 69.45 Td (were ) Tj ET Q q 0 0 0 rg BT 380.51 69.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 420.39 69.45 Td (the ) Tj ET Q q 0 0 0 rg BT 435.28 69.45 Td (result ) Tj ET Q q 0 0 0 rg BT 460.17 69.45 Td (of ) Tj ET Q q 0 0 0 rg BT 471.17 69.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 511.59 69.45 Td (rent ) Tj ET Q q 0 0 0 rg BT 529.81 69.45 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.45 Td (on ) Tj ET Q q 0 0 0 rg BT 63.39 57.45 Td (leased ) Tj ET Q q 0 0 0 rg BT 91.77 57.45 Td (properties ) Tj ET Q q 0 0 0 rg BT 135.14 57.45 Td (as ) Tj ET Q q 0 0 0 rg BT 146.87 57.45 Td (well ) Tj ET Q q 0 0 0 rg BT 167.47 57.45 Td (as ) Tj ET Q q 0 0 0 rg BT 179.19 57.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 220.34 57.45 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 273.15 57.45 Td (and ) Tj ET Q q 0 0 0 rg BT 290.98 57.45 Td (property ) Tj ET Q q 0 0 0 rg BT 328.25 57.45 Td (taxes ) Tj ET Q q 0 0 0 rg BT 352.19 57.45 Td (on ) Tj ET Q q 0 0 0 rg BT 365.58 57.45 Td (owned ) Tj ET Q q 0 0 0 rg BT 395.63 57.45 Td (locations ) Tj ET Q q 0 0 0 rg BT 435.12 57.45 Td (including ) Tj ET Q q 0 0 0 rg BT 476.29 57.45 Td (those ) Tj ET Q q 0 0 0 rg BT 500.79 57.45 Td (obtained ) Tj ET Q q 0 0 0 rg BT 538.61 57.45 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 57.45 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 45.45 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.92 45.45 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 149.52 45.45 Td ( ) Tj ET Q q 0 0 0 rg BT 151.86 45.45 Td (In ) Tj ET Q q 0 0 0 rg BT 162.53 45.45 Td (addition, ) Tj ET Q q 0 0 0 rg BT 200.13 45.45 Td (the ) Tj ET Q q 0 0 0 rg BT 214.69 45.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 255.91 45.45 Td (incurred ) Tj ET Q q 0 0 0 rg BT 291.56 45.45 Td (a ) Tj ET Q q 0 0 0 rg BT 298.33 45.45 Td (loss ) Tj ET Q q 0 0 0 rg BT 316.23 45.45 Td (of ) Tj ET Q q 0 0 0 rg BT 326.90 45.45 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 346.73 45.45 Td (million ) Tj ET Q q 0 0 0 rg BT 377.96 45.45 Td (upon ) Tj ET Q q 0 0 0 rg BT 400.29 45.45 Td (entering ) Tj ET Q q 0 0 0 rg BT 435.39 45.45 Td (into ) Tj ET Q q 0 0 0 rg BT 453.29 45.45 Td (a ) Tj ET Q q 0 0 0 rg BT 460.06 45.45 Td (sublease ) Tj ET Q q 0 0 0 rg BT 496.27 45.45 Td (agreement ) Tj ET Q q 0 0 0 rg BT 540.25 45.45 Td (on ) Tj ET Q q 0 0 0 rg BT 552.58 45.45 Td (an ) Tj ET Q endstream endobj 127 0 obj <> endobj 128 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (63) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 83.63 742.10 Td (property ) Tj ET Q q 0 0 0 rg BT 119.48 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 129.22 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.41 742.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 169.81 742.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 200.10 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.40 742.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 232.36 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 242.66 742.10 Td (well ) Tj ET Q q 0 0 0 rg BT 261.85 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 272.14 742.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 311.87 742.10 Td (snow ) Tj ET Q q 0 0 0 rg BT 334.95 742.10 Td (removal ) Tj ET Q q 0 0 0 rg BT 369.68 742.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 391.65 742.10 Td (during ) Tj ET Q q 0 0 0 rg BT 419.72 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.91 742.10 Td (first ) Tj ET Q q 0 0 0 rg BT 451.98 742.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 482.27 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.56 742.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 517.03 742.10 Td (Occupancy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.38 730.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 119.89 730.10 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 171.48 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 183.66 730.10 Td (premises, ) Tj ET Q q 0 0 0 rg BT 223.88 730.10 Td (real ) Tj ET Q q 0 0 0 rg BT 241.04 730.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 265.98 730.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 291.21 730.10 Td (utilities ) Tj ET Q q 0 0 0 rg BT 323.38 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.00 730.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 392.70 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.21 730.10 Td (premises, ) Tj ET Q q 0 0 0 rg BT 443.43 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 453.94 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 473.33 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 483.84 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 498.24 730.10 Td (rent ) Tj ET Q q 0 0 0 rg BT 515.96 730.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 550.34 730.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 77.49 718.10 Td (premises.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Data ) Tj ET Q q 0 0 0 rg BT 70.90 697.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 115.70 697.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 153.82 697.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.06 697.10 Td ($26.9 ) Tj ET Q q 0 0 0 rg BT 207.58 697.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.47 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 238.50 697.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.30 697.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.30 697.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.83 697.10 Td ($19.3 ) Tj ET Q q 0 0 0 rg BT 297.35 697.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.25 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.27 697.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.08 697.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.08 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 360.10 697.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.56 697.10 Td ($18.7 ) Tj ET Q q 0 0 0 rg BT 401.09 697.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.98 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 432.01 697.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.81 697.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.81 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 466.34 697.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 517.79 697.10 Td (an ) Tj ET Q q 0 0 0 rg BT 529.25 697.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.82 685.10 Td (39%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.15 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.65 685.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.92 685.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.92 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 114.41 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.34 685.10 Td (an ) Tj ET Q q 0 0 0 rg BT 143.27 685.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 178.52 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.34 685.10 Td (4% ) Tj ET Q q 0 0 0 rg BT 205.16 685.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.43 685.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.43 685.10 Td (. ) Tj ET Q q 0 0 0 rg BT 240.25 685.10 Td (The ) Tj ET Q q 0 0 0 rg BT 258.29 685.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 290.77 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.60 685.10 Td (data ) Tj ET Q q 0 0 0 rg BT 320.75 685.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 366.01 685.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 404.60 685.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 440.41 685.10 Td (fluctuates ) Tj ET Q q 0 0 0 rg BT 481.77 685.10 Td (based ) Tj ET Q q 0 0 0 rg BT 507.03 685.10 Td (on ) Tj ET Q q 0 0 0 rg BT 519.52 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.23 685.10 Td (overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 79.63 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.26 673.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 107.77 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.51 673.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 153.70 673.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 189.98 673.10 Td (as ) Tj ET Q q 0 0 0 rg BT 199.61 673.10 Td (well ) Tj ET Q q 0 0 0 rg BT 218.13 673.10 Td (as ) Tj ET Q q 0 0 0 rg BT 227.75 673.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 269.04 673.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 306.44 673.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 342.71 673.10 Td (related ) Tj ET Q q 0 0 0 rg BT 371.22 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.29 673.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 401.03 673.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 446.21 673.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 497.77 673.10 Td ( ) Tj ET Q q 0 0 0 rg BT 499.07 673.10 Td (Data ) Tj ET Q q 0 0 0 rg BT 519.25 673.10 Td (processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 87.62 661.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 126.90 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 136.21 661.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 157.73 661.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 198.68 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 207.98 661.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 229.51 661.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 268.24 661.10 Td (due ) Tj ET Q q 0 0 0 rg BT 284.21 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.51 661.10 Td (acquisition-related ) Tj ET Q q 0 0 0 rg BT 369.45 661.10 Td (char) Tj ET Q q 0 0 0 rg BT 386.48 661.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 401.33 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.19 661.10 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 430.21 661.10 Td (million ) Tj ET Q q 0 0 0 rg BT 460.63 661.10 Td (during ) Tj ET Q q 0 0 0 rg BT 488.26 661.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 512.18 661.10 Td (The ) Tj ET Q q 0 0 0 rg BT 529.25 661.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 649.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 82.78 649.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 124.70 649.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.98 649.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 157.48 649.10 Td (was ) Tj ET Q q 0 0 0 rg BT 175.53 649.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 215.24 649.10 Td (due ) Tj ET Q q 0 0 0 rg BT 232.18 649.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.46 649.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 284.39 649.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 315.22 649.10 Td (in ) Tj ET Q q 0 0 0 rg BT 325.50 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.22 649.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 381.61 649.10 Td (during ) Tj ET Q q 0 0 0 rg BT 410.21 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.93 649.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 455.48 649.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (Advertising ) Tj ET Q q 0 0 0 rg BT 99.25 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.73 628.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 158.30 628.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 196.44 628.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.68 628.10 Td ($21.9 ) Tj ET Q q 0 0 0 rg BT 250.22 628.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.11 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.15 628.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.84 628.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.84 628.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.38 628.10 Td ($13.6 ) Tj ET Q q 0 0 0 rg BT 343.91 628.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.80 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.84 628.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.53 628.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.53 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 410.57 628.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.04 628.10 Td ($1) Tj ET Q q 0 0 0 rg BT 436.67 628.10 Td (1.1 ) Tj ET Q q 0 0 0 rg BT 451.21 628.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.10 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 482.13 628.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.83 628.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.83 628.10 Td (. ) Tj ET Q q 0 0 0 rg BT 520.36 628.10 Td (Marketing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 71.99 616.10 Td (are ) Tj ET Q q 0 0 0 rg BT 86.20 616.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 121.51 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.28 616.10 Td (promote ) Tj ET Q q 0 0 0 rg BT 166.60 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.81 616.10 Td (Company) Tj ET Q q 0 0 0 rg BT 222.48 616.10 Td (s ) Tj ET Q q 0 0 0 rg BT 228.36 616.10 Td (brand, ) Tj ET Q q 0 0 0 rg BT 255.63 616.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 304.82 616.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 339.03 616.10 Td (capabilities, ) Tj ET Q q 0 0 0 rg BT 389.06 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.27 616.10 Td (Company) Tj ET Q q 0 0 0 rg BT 444.94 616.10 Td (s ) Tj ET Q q 0 0 0 rg BT 450.82 616.10 Td (MaxSafe) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 486.92 620.63 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.86 616.10 Td ( ) Tj ET Q q 0 0 0 rg BT 493.85 616.10 Td (suite ) Tj ET Q q 0 0 0 rg BT 514.73 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.06 616.10 Td (products, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (community-based ) Tj ET Q q 0 0 0 rg BT 124.53 604.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 164.34 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.00 604.10 Td (attract ) Tj ET Q q 0 0 0 rg BT 202.85 604.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 226.84 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.15 604.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 279.80 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.12 604.10 Td (to ) Tj ET Q q 0 0 0 rg BT 307.77 604.10 Td (announce ) Tj ET Q q 0 0 0 rg BT 348.96 604.10 Td (new ) Tj ET Q q 0 0 0 rg BT 368.50 604.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 398.58 604.10 Td (openings ) Tj ET Q q 0 0 0 rg BT 437.57 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 448.77 604.10 Td (well ) Tj ET Q q 0 0 0 rg BT 468.87 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 480.07 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.17 604.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 538.59 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 604.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.56 592.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 136.32 592.10 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 182.88 592.10 Td (The ) Tj ET Q q 0 0 0 rg BT 200.41 592.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 235.15 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 244.92 592.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 266.90 592.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 308.31 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.07 592.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 340.06 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.48 592.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 378.46 592.10 Td (was ) Tj ET Q q 0 0 0 rg BT 396.00 592.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 435.20 592.10 Td (due ) Tj ET Q q 0 0 0 rg BT 451.62 592.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.38 592.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 499.47 592.10 Td (for ) Tj ET Q q 0 0 0 rg BT 513.11 592.10 Td (community-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.24 580.10 Td (advertisements ) Tj ET Q q 0 0 0 rg BT 141.25 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.73 580.10 Td (sponsorships. ) Tj ET Q q 0 0 0 rg BT 213.79 580.10 Td (The ) Tj ET Q q 0 0 0 rg BT 231.38 580.10 Td (level ) Tj ET Q q 0 0 0 rg BT 252.85 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.21 580.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 305.79 580.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 358.92 580.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 393.73 580.10 Td (on ) Tj ET Q q 0 0 0 rg BT 405.76 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.01 580.10 Td (type ) Tj ET Q q 0 0 0 rg BT 439.27 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.63 580.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 492.21 580.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 532.02 580.10 Td (utilized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.69 568.10 Td (are ) Tj ET Q q 0 0 0 rg BT 91.15 568.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 138.38 568.10 Td (based ) Tj ET Q q 0 0 0 rg BT 163.39 568.10 Td (on ) Tj ET Q q 0 0 0 rg BT 175.64 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.11 568.10 Td (market ) Tj ET Q q 0 0 0 rg BT 220.13 568.10 Td (area, ) Tj ET Q q 0 0 0 rg BT 241.52 568.10 Td (tar) Tj ET Q q 0 0 0 rg BT 251.89 568.10 Td (geted ) Tj ET Q q 0 0 0 rg BT 275.79 568.10 Td (audience, ) Tj ET Q q 0 0 0 rg BT 316.07 568.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 366.09 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.78 568.10 Td (various ) Tj ET Q q 0 0 0 rg BT 414.47 568.10 Td (other ) Tj ET Q q 0 0 0 rg BT 437.27 568.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 469.22 568.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 523.68 568.10 Td (continues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.48 556.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 88.17 556.10 Td (mass ) Tj ET Q q 0 0 0 rg BT 110.87 556.10 Td (market ) Tj ET Q q 0 0 0 rg BT 141.33 556.10 Td (media ) Tj ET Q q 0 0 0 rg BT 168.47 556.10 Td (promotions ) Tj ET Q q 0 0 0 rg BT 216.72 556.10 Td (as ) Tj ET Q q 0 0 0 rg BT 227.75 556.10 Td (well ) Tj ET Q q 0 0 0 rg BT 247.67 556.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.70 556.10 Td (tar) Tj ET Q q 0 0 0 rg BT 269.07 556.10 Td (geted ) Tj ET Q q 0 0 0 rg BT 293.42 556.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 336.67 556.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 377.13 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 387.61 556.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 417.51 556.10 Td (market ) Tj ET Q q 0 0 0 rg BT 447.98 556.10 Td (areas. ) Tj ET Q q 0 0 0 rg BT 473.72 556.10 Td (In ) Tj ET Q q 0 0 0 rg BT 484.75 556.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 507.45 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.58 556.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 549.79 556.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.28 544.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 127.00 544.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 167.15 544.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 213.98 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.81 544.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 273.75 544.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 296.15 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.32 544.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 341.30 544.10 Td (W) Tj ET Q q 0 0 0 rg BT 350.34 544.10 Td (intrust's ) Tj ET Q q 0 0 0 rg BT 383.98 544.10 Td (name ) Tj ET Q q 0 0 0 rg BT 408.03 544.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 455.97 544.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 499.46 544.10 Td (with ) Tj ET Q q 0 0 0 rg BT 519.64 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.25 544.10 Td (overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (goal ) Tj ET Q q 0 0 0 rg BT 69.72 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 80.55 532.10 Td (becoming ) Tj ET Q q 0 0 0 rg BT 122.48 532.10 Td ("Chicago's ) Tj ET Q q 0 0 0 rg BT 168.08 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.84 532.10 Td (W) Tj ET Q q 0 0 0 rg BT 193.88 532.10 Td (isconsin's ) Tj ET Q q 0 0 0 rg BT 234.85 532.10 Td (Bank.") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (Professional ) Tj ET Q q 0 0 0 rg BT 101.28 511.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 119.21 511.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.26 511.10 Td ($18.2 ) Tj ET Q q 0 0 0 rg BT 172.60 511.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.49 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 203.33 511.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.95 511.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.95 511.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.29 511.10 Td ($15.6 ) Tj ET Q q 0 0 0 rg BT 261.63 511.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.52 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 292.36 511.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.97 511.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.97 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 323.81 511.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.09 511.10 Td ($14.9 ) Tj ET Q q 0 0 0 rg BT 364.43 511.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.32 511.10 Td ( ) Tj ET Q q 0 0 0 rg BT 395.16 511.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.77 511.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.77 511.10 Td (. ) Tj ET Q q 0 0 0 rg BT 428.98 511.10 Td (The ) Tj ET Q q 0 0 0 rg BT 446.36 511.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 480.96 511.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.57 511.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 512.41 511.10 Td (as ) Tj ET Q q 0 0 0 rg BT 522.58 511.10 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.29 499.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 82.80 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.75 499.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 122.26 499.10 Td (related ) Tj ET Q q 0 0 0 rg BT 151.98 499.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 191.70 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.99 499.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 242.25 499.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 264.20 499.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 282.81 499.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 318.63 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 328.92 499.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 375.31 499.10 Td (with ) Tj ET Q q 0 0 0 rg BT 395.60 499.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 445.88 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.17 499.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 491.46 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 501.75 499.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 542.01 499.10 Td (audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.19 487.10 Td (tax-related ) Tj ET Q q 0 0 0 rg BT 114.68 487.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 153.14 487.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.61 487.10 Td (The ) Tj ET Q q 0 0 0 rg BT 175.91 487.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 212.41 487.10 Td (in ) Tj ET Q q 0 0 0 rg BT 223.94 487.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 247.68 487.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 290.85 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.38 487.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 326.13 487.10 Td (was ) Tj ET Q q 0 0 0 rg BT 345.43 487.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 386.39 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.35 487.10 Td (result ) Tj ET Q q 0 0 0 rg BT 428.32 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.39 487.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 481.89 487.10 Td (consulting ) Tj ET Q q 0 0 0 rg BT 527.31 487.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 564.51 487.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (Professional ) Tj ET Q q 0 0 0 rg BT 101.94 475.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 120.54 475.10 Td (include ) Tj ET Q q 0 0 0 rg BT 152.47 475.10 Td (legal, ) Tj ET Q q 0 0 0 rg BT 176.90 475.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 199.40 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.34 475.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 231.05 475.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 252.15 475.10 Td (external ) Tj ET Q q 0 0 0 rg BT 286.86 475.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 306.57 475.10 Td (review ) Tj ET Q q 0 0 0 rg BT 336.28 475.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 358.78 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.72 475.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 406.54 475.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 450.14 475.10 Td (exam ) Tj ET Q q 0 0 0 rg BT 474.29 475.10 Td (assessments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (OREO ) Tj ET Q q 0 0 0 rg BT 79.30 454.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 113.58 454.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.21 454.10 Td ($4.5 ) Tj ET Q q 0 0 0 rg BT 150.79 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.68 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.76 454.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.62 454.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.62 454.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.19 454.10 Td ($9.4 ) Tj ET Q q 0 0 0 rg BT 235.77 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.66 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 266.74 454.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.60 454.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.60 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 301.17 454.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.69 454.10 Td ($5.8 ) Tj ET Q q 0 0 0 rg BT 337.27 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.16 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.24 454.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.09 454.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.09 454.10 Td (. ) Tj ET Q q 0 0 0 rg BT 402.67 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.60 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 422.22 454.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 458.71 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.57 454.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 490.65 454.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 532.15 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.01 454.10 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (was ) Tj ET Q q 0 0 0 rg BT 68.85 442.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 109.36 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.87 442.10 Td (result ) Tj ET Q q 0 0 0 rg BT 150.38 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.01 442.10 Td (fewer ) Tj ET Q q 0 0 0 rg BT 188.06 442.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 225.23 442.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 265.74 442.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 316.81 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.43 442.10 Td (OREO ) Tj ET Q q 0 0 0 rg BT 358.95 442.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 402.23 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 419.97 442.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 446.03 442.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 485.42 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.50 442.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 534.79 442.10 Td (OREO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (properties. ) Tj ET Q q 0 0 0 rg BT 95.02 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 113.30 430.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 148.78 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.29 430.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 182.02 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 193.08 430.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 235.24 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.75 430.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 268.48 430.10 Td (was ) Tj ET Q q 0 0 0 rg BT 286.76 430.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 326.70 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.65 430.10 Td (result ) Tj ET Q q 0 0 0 rg BT 366.60 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.66 430.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 405.94 430.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 429.78 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 442.51 430.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 476.88 430.10 Td (OREO ) Tj ET Q q 0 0 0 rg BT 506.84 430.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 529.01 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 539.52 430.10 Td (2013. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (OREO ) Tj ET Q q 0 0 0 rg BT 79.58 418.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 118.04 418.10 Td (include ) Tj ET Q q 0 0 0 rg BT 149.83 418.10 Td (all ) Tj ET Q q 0 0 0 rg BT 162.18 418.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 184.54 418.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 227.99 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 248.12 418.10 Td (obtaining, ) Tj ET Q q 0 0 0 rg BT 290.75 418.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 340.88 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.68 418.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 386.70 418.10 Td (other ) Tj ET Q q 0 0 0 rg BT 409.60 418.10 Td (real ) Tj ET Q q 0 0 0 rg BT 426.95 418.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 452.07 418.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 481.08 418.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 523.43 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 534.11 418.10 Td (well ) Tj ET Q q 0 0 0 rg BT 553.69 418.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 89.71 406.10 Td (adjustments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (Miscellaneous ) Tj ET Q q 0 0 0 rg BT 110.14 385.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 160.29 385.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 194.88 385.10 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.01 385.10 Td ($10.2 ) Tj ET Q q 0 0 0 rg BT 259.89 385.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.78 385.10 Td (, ) Tj ET Q q 0 0 0 rg BT 293.66 385.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.37 385.10 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.70 385.10 Td (, ) Tj ET Q q 0 0 0 rg BT 327.58 385.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.74 385.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.74 385.10 Td ( ) Tj ET Q q 0 0 0 rg BT 360.12 385.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 401.93 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.08 385.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 434.47 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.28 385.10 Td (decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.08 385.10 Td ($604,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.58 385.10 Td (, ) Tj ET Q q 0 0 0 rg BT 535.46 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 546.17 385.10 Td (1%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.92 373.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.92 373.10 Td ( ) Tj ET Q q 0 0 0 rg BT 84.07 373.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 126.63 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.55 373.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 163.20 373.10 Td ( ) Tj ET Q q 0 0 0 rg BT 166.11 373.10 Td (The ) Tj ET Q q 0 0 0 rg BT 184.80 373.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 220.70 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.62 373.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 254.77 373.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 297.33 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.26 373.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 331.40 373.10 Td (was ) Tj ET Q q 0 0 0 rg BT 350.10 373.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 390.45 373.10 Td (a ) Tj ET Q q 0 0 0 rg BT 398.03 373.10 Td (result ) Tj ET Q q 0 0 0 rg BT 423.39 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.87 373.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 463.56 373.10 Td (travel ) Tj ET Q q 0 0 0 rg BT 489.46 373.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.05 373.10 Td (entertainment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 88.93 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.20 361.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 146.79 361.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 169.62 361.10 Td (related ) Tj ET Q q 0 0 0 rg BT 199.65 361.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.26 361.10 Td (postage, ) Tj ET Q q 0 0 0 rg BT 246.14 361.10 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 289.79 361.10 Td (donations ) Tj ET Q q 0 0 0 rg BT 331.51 361.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.78 361.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 389.38 361.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 418.60 361.10 Td (Miscellaneous ) Tj ET Q q 0 0 0 rg BT 479.19 361.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 529.79 361.10 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 84.94 349.10 Td (A) Tj ET Q q 0 0 0 rg BT 91.05 349.10 Td (TM ) Tj ET Q q 0 0 0 rg BT 108.12 349.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 148.79 349.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 207.51 349.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 241.79 349.10 Td (char) Tj ET Q q 0 0 0 rg BT 258.82 349.10 Td (ges, ) Tj ET Q q 0 0 0 rg BT 276.72 349.10 Td (directors) Tj ET Q q 0 0 0 rg BT 314.29 349.10 Td ( ) Tj ET Q q 0 0 0 rg BT 316.36 349.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 337.03 349.10 Td (telephone, ) Tj ET Q q 0 0 0 rg BT 380.48 349.10 Td (travel ) Tj ET Q q 0 0 0 rg BT 405.31 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 421.82 349.10 Td (entertainment, ) Tj ET Q q 0 0 0 rg BT 481.36 349.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 521.19 349.10 Td (insurance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (dues ) Tj ET Q q 0 0 0 rg BT 70.83 337.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.77 337.10 Td (subscriptions, ) Tj ET Q q 0 0 0 rg BT 145.55 337.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 181.37 337.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 201.09 337.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 242.19 337.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 282.45 337.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 308.84 337.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.78 337.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 358.28 337.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 404.66 337.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 427.16 337.10 Td (that ) Tj ET Q q 0 0 0 rg BT 444.65 337.10 Td (are ) Tj ET Q q 0 0 0 rg BT 459.36 337.10 Td (not ) Tj ET Q q 0 0 0 rg BT 474.64 337.10 Td (deferred.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 83.98 316.10 Td (T) Tj ET Q q 0 0 0 rg BT 89.73 316.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.95 295.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.25 295.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 146.63 295.10 Td (income ) Tj ET Q q 0 0 0 rg BT 178.47 295.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 193.09 295.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 227.70 295.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.44 295.10 Td ($95.0 ) Tj ET Q q 0 0 0 rg BT 263.35 295.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.24 295.10 Td ( ) Tj ET Q q 0 0 0 rg BT 294.64 295.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.83 295.10 Td (both ) Tj ET Q q 0 0 0 rg BT 325.01 295.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 347.42 295.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.26 295.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 386.67 295.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.52 295.10 Td ($87.2 ) Tj ET Q q 0 0 0 rg BT 428.42 295.10 Td (million ) Tj ET Q q 0 0 0 rg BT 459.72 295.10 Td (in ) Tj ET Q q 0 0 0 rg BT 469.90 295.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 494.64 295.10 Td (The ) Tj ET Q q 0 0 0 rg BT 512.59 295.10 Td (ef) Tj ET Q q 0 0 0 rg BT 520.18 295.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 549.79 295.10 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 71.66 283.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.88 283.10 Td (37.7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.71 283.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.99 283.10 Td (38.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.82 283.10 Td ( ) Tj ET Q q 0 0 0 rg BT 153.60 283.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.83 283.10 Td (38.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.66 283.10 Td ( ) Tj ET Q q 0 0 0 rg BT 199.44 283.10 Td (in ) Tj ET Q q 0 0 0 rg BT 210.01 283.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 235.29 283.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 258.07 283.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.30 283.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 300.58 283.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 348.24 283.10 Td (. ) Tj ET Q q 0 0 0 rg BT 353.33 283.10 Td (The ) Tj ET Q q 0 0 0 rg BT 371.66 283.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 397.21 283.10 Td (ef) Tj ET Q q 0 0 0 rg BT 404.80 283.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 434.79 283.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 449.79 283.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 467.56 283.10 Td (in ) Tj ET Q q 0 0 0 rg BT 478.12 283.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 500.91 283.10 Td (as ) Tj ET Q q 0 0 0 rg BT 512.02 283.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.23 283.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.71 271.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 87.21 271.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.15 271.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 126.65 271.10 Td (was ) Tj ET Q q 0 0 0 rg BT 144.69 271.10 Td (a ) Tj ET Q q 0 0 0 rg BT 151.63 271.10 Td (result ) Tj ET Q q 0 0 0 rg BT 176.35 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.17 271.10 Td (a ) Tj ET Q q 0 0 0 rg BT 194.11 271.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 219.38 271.10 Td (state ) Tj ET Q q 0 0 0 rg BT 240.20 271.10 Td (income ) Tj ET Q q 0 0 0 rg BT 272.13 271.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 286.84 271.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 304.33 271.10 Td (in ) Tj ET Q q 0 0 0 rg BT 314.60 271.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 345.43 271.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.71 271.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 378.21 271.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.14 271.10 Td (an ) Tj ET Q q 0 0 0 rg BT 407.08 271.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 442.33 271.10 Td (in ) Tj ET Q q 0 0 0 rg BT 452.61 271.10 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 500.09 271.10 Td (income ) Tj ET Q q 0 0 0 rg BT 532.02 271.10 Td (relative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.99 259.10 Td (income ) Tj ET Q q 0 0 0 rg BT 93.63 259.10 Td (before ) Tj ET Q q 0 0 0 rg BT 122.38 259.10 Td (income ) Tj ET Q q 0 0 0 rg BT 155.02 259.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 178.78 259.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.77 259.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 212.98 259.10 Td (as ) Tj ET Q q 0 0 0 rg BT 224.52 259.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 267.16 259.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.14 259.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 301.35 259.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.00 259.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 344.71 259.10 Td (Please ) Tj ET Q q 0 0 0 rg BT 373.47 259.10 Td (refer ) Tj ET Q q 0 0 0 rg BT 395.55 259.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.54 259.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 429.19 259.10 Td (16 ) Tj ET Q q 0 0 0 rg BT 442.40 259.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.39 259.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.81 259.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 524.80 259.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 95.66 247.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.22 247.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 125.32 247.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 132.10 247.10 Td (for ) Tj ET Q q 0 0 0 rg BT 145.54 247.10 Td (further ) Tj ET Q q 0 0 0 rg BT 174.53 247.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 217.98 247.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.20 247.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 268.20 247.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.31 247.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.30 247.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 338.66 247.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 352.66 247.10 Td (position, ) Tj ET Q q 0 0 0 rg BT 389.17 247.10 Td (including ) Tj ET Q q 0 0 0 rg BT 428.72 247.10 Td (a ) Tj ET Q q 0 0 0 rg BT 434.94 247.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 491.69 247.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.80 247.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.80 247.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 529.79 247.10 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 91.93 235.10 Td (at ) Tj ET Q q 0 0 0 rg BT 101.65 235.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.37 235.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 153.86 235.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 168.58 235.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 186.06 235.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.34 235.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.06 235.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 258.14 235.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 284.51 235.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 299.23 235.10 Td (expense.) Tj ET Q endstream endobj 129 0 obj <> endobj 130 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (64) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Operating Segment Results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.78 721.25 Td (described ) Tj ET Q q 0 0 0 rg BT 104.77 721.25 Td (in ) Tj ET Q q 0 0 0 rg BT 115.22 721.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 137.33 721.25 Td (23 ) Tj ET Q q 0 0 0 rg BT 150.00 721.25 Td (to ) Tj ET Q q 0 0 0 rg BT 160.44 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 175.33 721.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 230.77 721.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 270.66 721.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 317.21 721.25 Td (in ) Tj ET Q q 0 0 0 rg BT 327.66 721.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 348.65 721.25 Td (8, ) Tj ET Q q 0 0 0 rg BT 358.82 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 373.71 721.25 Td (Company) Tj ET Q q 0 0 0 rg BT 415.37 721.25 Td (s ) Tj ET Q q 0 0 0 rg BT 421.93 721.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 466.26 721.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 496.71 721.25 Td (of ) Tj ET Q q 0 0 0 rg BT 507.71 721.25 Td (three ) Tj ET Q q 0 0 0 rg BT 530.36 721.25 Td (primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (segments: ) Tj ET Q q 0 0 0 rg BT 92.95 709.25 Td (community ) Tj ET Q q 0 0 0 rg BT 141.46 709.25 Td (banking, ) Tj ET Q q 0 0 0 rg BT 179.14 709.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 217.64 709.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 250.02 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 267.42 709.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 297.03 709.25 Td (management. ) Tj ET Q q 0 0 0 rg BT 353.36 709.25 Td (The ) Tj ET Q q 0 0 0 rg BT 371.87 709.25 Td (Company) Tj ET Q q 0 0 0 rg BT 413.53 709.25 Td (s ) Tj ET Q q 0 0 0 rg BT 420.38 709.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 471.11 709.25 Td (is ) Tj ET Q q 0 0 0 rg BT 480.74 709.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 520.91 709.25 Td (dependent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (on ) Tj ET Q q 0 0 0 rg BT 63.33 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.87 697.25 Td (net ) Tj ET Q q 0 0 0 rg BT 94.42 697.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 127.18 697.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 162.44 697.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 203.54 697.25 Td (for ) Tj ET Q q 0 0 0 rg BT 218.53 697.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 244.62 697.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 274.34 697.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 325.43 697.25 Td (income ) Tj ET Q q 0 0 0 rg BT 358.20 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 375.96 697.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 417.05 697.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 456.48 697.25 Td (of ) Tj ET Q q 0 0 0 rg BT 468.14 697.25 Td (its ) Tj ET Q q 0 0 0 rg BT 480.91 697.25 Td (community ) Tj ET Q q 0 0 0 rg BT 529.79 697.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 87.75 685.25 Td (For ) Tj ET Q q 0 0 0 rg BT 103.57 685.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 141.05 685.25 Td (of ) Tj ET Q q 0 0 0 rg BT 151.31 685.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 183.78 685.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 219.04 685.25 Td (profitability) Tj ET Q q 0 0 0 rg BT 266.16 685.25 Td (, ) Tj ET Q q 0 0 0 rg BT 270.59 685.25 Td (management ) Tj ET Q q 0 0 0 rg BT 323.60 685.25 Td (allocates ) Tj ET Q q 0 0 0 rg BT 360.51 685.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 389.64 685.25 Td (intersegment ) Tj ET Q q 0 0 0 rg BT 443.22 685.25 Td (and ) Tj ET Q q 0 0 0 rg BT 459.59 685.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 486.50 685.25 Td (company ) Tj ET Q q 0 0 0 rg BT 525.09 685.25 Td (balances. ) Tj ET Q q 0 0 0 rg BT 564.51 685.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.73 673.25 Td (allocates ) Tj ET Q q 0 0 0 rg BT 142.24 673.25 Td (a ) Tj ET Q q 0 0 0 rg BT 149.21 673.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 180.63 673.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.48 673.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 229.55 673.25 Td (to ) Tj ET Q q 0 0 0 rg BT 239.86 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.60 673.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 292.68 673.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 324.63 673.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 360.48 673.25 Td (related ) Tj ET Q q 0 0 0 rg BT 390.21 673.25 Td (to ) Tj ET Q q 0 0 0 rg BT 400.52 673.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 424.16 673.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 467.23 673.25 Td (by ) Tj ET Q q 0 0 0 rg BT 479.76 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 494.51 673.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 532.58 673.25 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 86.72 661.25 Td (and ) Tj ET Q q 0 0 0 rg BT 104.55 661.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 124.61 661.25 Td (to ) Tj ET Q q 0 0 0 rg BT 135.79 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.40 661.25 Td (community ) Tj ET Q q 0 0 0 rg BT 200.34 661.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.95 661.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 275.17 661.25 Td ( ) Tj ET Q q 0 0 0 rg BT 278.56 661.25 Td (Similarly) Tj ET Q q 0 0 0 rg BT 315.14 661.25 Td (, ) Tj ET Q q 0 0 0 rg BT 321.03 661.25 Td (for ) Tj ET Q q 0 0 0 rg BT 336.08 661.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 375.03 661.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.75 661.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 429.02 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.63 661.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 496.90 661.25 Td (from ) Tj ET Q q 0 0 0 rg BT 519.74 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 535.35 661.25 Td (wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (management ) Tj ET Q q 0 0 0 rg BT 103.68 649.25 Td (segment, ) Tj ET Q q 0 0 0 rg BT 142.10 649.25 Td (management ) Tj ET Q q 0 0 0 rg BT 195.79 649.25 Td (allocates ) Tj ET Q q 0 0 0 rg BT 233.36 649.25 Td (a ) Tj ET Q q 0 0 0 rg BT 240.40 649.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 271.88 649.25 Td (of ) Tj ET Q q 0 0 0 rg BT 282.81 649.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.62 649.25 Td (net ) Tj ET Q q 0 0 0 rg BT 312.43 649.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 344.46 649.25 Td (income ) Tj ET Q q 0 0 0 rg BT 376.49 649.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 405.73 649.25 Td (by ) Tj ET Q q 0 0 0 rg BT 418.32 649.25 Td (the ) Tj ET Q q 0 0 0 rg BT 433.13 649.25 Td (community ) Tj ET Q q 0 0 0 rg BT 481.28 649.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 516.09 649.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 552.01 649.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 80.95 637.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 117.43 637.25 Td (of ) Tj ET Q q 0 0 0 rg BT 127.82 637.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 170.43 637.25 Td (of ) Tj ET Q q 0 0 0 rg BT 180.82 637.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.10 637.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 223.81 637.25 Td (management ) Tj ET Q q 0 0 0 rg BT 276.96 637.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 312.35 637.25 Td (to ) Tj ET Q q 0 0 0 rg BT 322.19 637.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.46 637.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 365.18 637.25 Td (management ) Tj ET Q q 0 0 0 rg BT 418.33 637.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 456.22 637.25 Td ( ) Tj ET Q q 0 0 0 rg BT 458.28 637.25 Td (Finally) Tj ET Q q 0 0 0 rg BT 485.96 637.25 Td (, ) Tj ET Q q 0 0 0 rg BT 490.52 637.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 528.68 637.25 Td (incurred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 625.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.25 625.25 Td (W) Tj ET Q q 0 0 0 rg BT 83.29 625.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 111.35 625.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 138.83 625.25 Td (company ) Tj ET Q q 0 0 0 rg BT 177.99 625.25 Td (are ) Tj ET Q q 0 0 0 rg BT 192.70 625.25 Td (allocated ) Tj ET Q q 0 0 0 rg BT 231.28 625.25 Td (to ) Tj ET Q q 0 0 0 rg BT 241.56 625.25 Td (each ) Tj ET Q q 0 0 0 rg BT 262.38 625.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 298.20 625.25 Td (based ) Tj ET Q q 0 0 0 rg BT 323.47 625.25 Td (on ) Tj ET Q q 0 0 0 rg BT 335.97 625.25 Td (each ) Tj ET Q q 0 0 0 rg BT 356.79 625.25 Td (segment's ) Tj ET Q q 0 0 0 rg BT 398.31 625.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 455.79 625.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 484.12 625.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.62 604.25 Td (community ) Tj ET Q q 0 0 0 rg BT 115.24 604.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 149.53 604.25 Td (segment) Tj ET Q q 0 0 0 rg BT 185.63 604.25 Td (s ) Tj ET Q q 0 0 0 rg BT 191.60 604.25 Td (net ) Tj ET Q q 0 0 0 rg BT 205.89 604.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.39 604.25 Td (income ) Tj ET Q q 0 0 0 rg BT 268.90 604.25 Td (for ) Tj ET Q q 0 0 0 rg BT 282.63 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 296.92 604.25 Td (year ) Tj ET Q q 0 0 0 rg BT 316.20 604.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.15 604.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 400.30 604.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.30 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 422.37 604.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.66 604.25 Td ($523.1 ) Tj ET Q q 0 0 0 rg BT 481.23 604.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.12 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 512.19 604.25 Td (as ) Tj ET Q q 0 0 0 rg BT 522.59 604.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.10 592.25 Td ($484.5 ) Tj ET Q q 0 0 0 rg BT 89.93 592.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.82 592.25 Td ( ) Tj ET Q q 0 0 0 rg BT 121.15 592.25 Td (for ) Tj ET Q q 0 0 0 rg BT 135.14 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.68 592.25 Td (same ) Tj ET Q q 0 0 0 rg BT 172.55 592.25 Td (period ) Tj ET Q q 0 0 0 rg BT 200.43 592.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.53 592.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.53 592.25 Td (, ) Tj ET Q q 0 0 0 rg BT 235.36 592.25 Td (an ) Tj ET Q q 0 0 0 rg BT 247.12 592.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 282.20 592.25 Td (of ) Tj ET Q q 0 0 0 rg BT 292.86 592.25 Td ($38.6 ) Tj ET Q q 0 0 0 rg BT 317.69 592.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 351.41 592.25 Td (or ) Tj ET Q q 0 0 0 rg BT 362.06 592.25 Td (8%, ) Tj ET Q q 0 0 0 rg BT 380.22 592.25 Td (and ) Tj ET Q q 0 0 0 rg BT 396.98 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.53 592.25 Td (segment) Tj ET Q q 0 0 0 rg BT 447.63 592.25 Td (s ) Tj ET Q q 0 0 0 rg BT 453.85 592.25 Td (net ) Tj ET Q q 0 0 0 rg BT 468.39 592.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 500.15 592.25 Td (income ) Tj ET Q q 0 0 0 rg BT 531.91 592.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.02 592.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.42 580.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.20 580.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.20 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.20 580.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 162.95 580.25 Td ($36.3 ) Tj ET Q q 0 0 0 rg BT 187.45 580.25 Td (million ) Tj ET Q q 0 0 0 rg BT 218.34 580.25 Td (or ) Tj ET Q q 0 0 0 rg BT 228.67 580.25 Td (8%. ) Tj ET Q q 0 0 0 rg BT 246.35 580.25 Td (The ) Tj ET Q q 0 0 0 rg BT 263.90 580.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 302.54 580.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.32 580.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.32 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 334.32 580.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 375.74 580.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.52 580.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.52 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 407.51 580.25 Td (as ) Tj ET Q q 0 0 0 rg BT 417.84 580.25 Td (well ) Tj ET Q q 0 0 0 rg BT 437.06 580.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.39 580.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.39 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 469.39 580.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 510.81 580.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.58 580.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.58 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 542.58 580.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 90.41 568.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 139.14 568.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.11 568.25 Td (an ) Tj ET Q q 0 0 0 rg BT 162.75 568.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 198.69 568.25 Td (in ) Tj ET Q q 0 0 0 rg BT 209.67 568.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 242.85 568.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 269.37 568.25 Td (including ) Tj ET Q q 0 0 0 rg BT 310.34 568.25 Td (those ) Tj ET Q q 0 0 0 rg BT 334.64 568.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 372.26 568.25 Td (in ) Tj ET Q q 0 0 0 rg BT 383.24 568.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 405.87 568.25 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 459.34 568.25 Td ( ) Tj ET Q q 0 0 0 rg BT 462.30 568.25 Td (The ) Tj ET Q q 0 0 0 rg BT 481.04 568.25 Td (community ) Tj ET Q q 0 0 0 rg BT 529.79 568.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.25 Td (segment's ) Tj ET Q q 0 0 0 rg BT 91.42 556.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 131.60 556.25 Td (for ) Tj ET Q q 0 0 0 rg BT 145.66 556.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 170.83 556.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.12 556.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.73 556.25 Td ($29.7 ) Tj ET Q q 0 0 0 rg BT 251.63 556.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.53 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 282.93 556.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.11 556.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.11 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 315.51 556.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 357.33 556.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.51 556.25 Td ($17.7 ) Tj ET Q q 0 0 0 rg BT 392.41 556.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.31 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 423.71 556.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.89 556.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.89 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 456.29 556.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.13 556.25 Td ($45.4 ) Tj ET Q q 0 0 0 rg BT 498.03 556.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.92 556.25 Td ( ) Tj ET Q q 0 0 0 rg BT 529.32 556.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 556.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 556.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.22 544.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 108.66 544.25 Td (for ) Tj ET Q q 0 0 0 rg BT 122.99 544.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.42 544.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 174.98 544.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 215.41 544.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.85 544.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.85 544.25 Td ( ) Tj ET Q q 0 0 0 rg BT 248.52 544.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 290.61 544.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.06 544.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.06 544.25 Td ( ) Tj ET Q q 0 0 0 rg BT 323.73 544.25 Td (as ) Tj ET Q q 0 0 0 rg BT 334.73 544.25 Td (a ) Tj ET Q q 0 0 0 rg BT 341.83 544.25 Td (result ) Tj ET Q q 0 0 0 rg BT 366.72 544.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.72 544.25 Td (an ) Tj ET Q q 0 0 0 rg BT 389.82 544.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 425.25 544.25 Td (in ) Tj ET Q q 0 0 0 rg BT 435.69 544.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 461.97 544.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 504.07 544.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 538.39 544.25 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.25 Td (during ) Tj ET Q q 0 0 0 rg BT 78.50 532.25 Td (2015. ) Tj ET Q q 0 0 0 rg BT 103.22 532.25 Td (The ) Tj ET Q q 0 0 0 rg BT 121.16 532.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 157.97 532.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.14 532.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.14 532.25 Td ( ) Tj ET Q q 0 0 0 rg BT 190.54 532.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 232.36 532.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.53 532.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.53 532.25 Td ( ) Tj ET Q q 0 0 0 rg BT 264.92 532.25 Td (was ) Tj ET Q q 0 0 0 rg BT 282.87 532.25 Td (due ) Tj ET Q q 0 0 0 rg BT 299.70 532.25 Td (to ) Tj ET Q q 0 0 0 rg BT 309.87 532.25 Td (improved ) Tj ET Q q 0 0 0 rg BT 350.59 532.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 375.75 532.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 405.92 532.25 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 433.03 532.25 Td (including ) Tj ET Q q 0 0 0 rg BT 473.20 532.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 507.24 532.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 532.96 532.25 Td (of ) Tj ET Q q 0 0 0 rg BT 543.68 532.25 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (performing ) Tj ET Q q 0 0 0 rg BT 98.44 520.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 125.51 520.25 Td ( ) Tj ET Q q 0 0 0 rg BT 128.96 520.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 182.41 520.25 Td (income ) Tj ET Q q 0 0 0 rg BT 215.30 520.25 Td (for ) Tj ET Q q 0 0 0 rg BT 230.42 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.09 520.25 Td (community ) Tj ET Q q 0 0 0 rg BT 295.10 520.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 330.77 520.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 367.55 520.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 408.76 520.25 Td ($54.9 ) Tj ET Q q 0 0 0 rg BT 434.72 520.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 469.57 520.25 Td (or ) Tj ET Q q 0 0 0 rg BT 481.36 520.25 Td (40%, ) Tj ET Q q 0 0 0 rg BT 505.64 520.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.88 520.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.88 520.25 Td ( ) Tj ET Q q 0 0 0 rg BT 540.34 520.25 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.73 508.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.81 508.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.81 508.25 Td ( ) Tj ET Q q 0 0 0 rg BT 124.11 508.25 Td (and ) Tj ET Q q 0 0 0 rg BT 140.85 508.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 182.57 508.25 Td ($14.2 ) Tj ET Q q 0 0 0 rg BT 207.37 508.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 241.06 508.25 Td (or ) Tj ET Q q 0 0 0 rg BT 251.69 508.25 Td (9%, ) Tj ET Q q 0 0 0 rg BT 269.83 508.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.91 508.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.91 508.25 Td ( ) Tj ET Q q 0 0 0 rg BT 302.21 508.25 Td (when ) Tj ET Q q 0 0 0 rg BT 326.17 508.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 367.90 508.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.98 508.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.98 508.25 Td (. ) Tj ET Q q 0 0 0 rg BT 402.78 508.25 Td ( ) Tj ET Q q 0 0 0 rg BT 404.92 508.25 Td (The ) Tj ET Q q 0 0 0 rg BT 422.77 508.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 457.82 508.25 Td (in ) Tj ET Q q 0 0 0 rg BT 467.90 508.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 490.20 508.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 531.93 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 542.01 508.25 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (was ) Tj ET Q q 0 0 0 rg BT 68.94 496.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 109.55 496.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 158.47 496.25 Td (to ) Tj ET Q q 0 0 0 rg BT 169.64 496.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 198.58 496.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 239.74 496.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 275.34 496.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 314.27 496.25 Td (from ) Tj ET Q q 0 0 0 rg BT 337.10 496.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 366.04 496.25 Td (originations ) Tj ET Q q 0 0 0 rg BT 417.20 496.25 Td (in ) Tj ET Q q 0 0 0 rg BT 428.37 496.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 451.77 496.25 Td (as ) Tj ET Q q 0 0 0 rg BT 463.49 496.25 Td (a ) Tj ET Q q 0 0 0 rg BT 471.32 496.25 Td (result ) Tj ET Q q 0 0 0 rg BT 496.92 496.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.65 496.25 Td (the ) Tj ET Q q 0 0 0 rg BT 524.25 496.25 Td (favorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 89.11 484.25 Td (environment ) Tj ET Q q 0 0 0 rg BT 141.00 484.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.78 484.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 195.88 484.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 213.33 484.25 Td (on ) Tj ET Q q 0 0 0 rg BT 224.68 484.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 257.67 484.25 Td (call ) Tj ET Q q 0 0 0 rg BT 273.45 484.25 Td (options. ) Tj ET Q q 0 0 0 rg BT 306.65 484.25 Td (The ) Tj ET Q q 0 0 0 rg BT 323.54 484.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 359.30 484.25 Td (in ) Tj ET Q q 0 0 0 rg BT 368.43 484.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 389.77 484.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 430.54 484.25 Td (to ) Tj ET Q q 0 0 0 rg BT 439.67 484.25 Td (2013 ) Tj ET Q q 0 0 0 rg BT 461.01 484.25 Td (was ) Tj ET Q q 0 0 0 rg BT 477.91 484.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 516.47 484.25 Td (attributable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.25 Td (to ) Tj ET Q q 0 0 0 rg BT 61.20 472.25 Td (a ) Tj ET Q q 0 0 0 rg BT 69.06 472.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 95.25 472.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 128.67 472.25 Td (of ) Tj ET Q q 0 0 0 rg BT 140.42 472.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 181.61 472.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 206.14 472.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 250.10 472.25 Td (or ) Tj ET Q q 0 0 0 rg BT 261.85 472.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 305.81 472.25 Td (for ) Tj ET Q q 0 0 0 rg BT 320.89 472.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 339.86 472.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 378.28 472.25 Td (in ) Tj ET Q q 0 0 0 rg BT 389.48 472.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 432.31 472.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 473.50 472.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 509.14 472.25 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 546.46 472.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.25 Td (community ) Tj ET Q q 0 0 0 rg BT 98.93 460.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 134.52 460.25 Td (segment) Tj ET Q q 0 0 0 rg BT 170.63 460.25 Td (s ) Tj ET Q q 0 0 0 rg BT 177.90 460.25 Td (net ) Tj ET Q q 0 0 0 rg BT 193.49 460.25 Td (income ) Tj ET Q q 0 0 0 rg BT 226.30 460.25 Td (for ) Tj ET Q q 0 0 0 rg BT 241.34 460.25 Td (the ) Tj ET Q q 0 0 0 rg BT 256.94 460.25 Td (year ) Tj ET Q q 0 0 0 rg BT 277.52 460.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.78 460.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 364.24 460.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.24 460.25 Td ( ) Tj ET Q q 0 0 0 rg BT 387.62 460.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.21 460.25 Td ($101.9 ) Tj ET Q q 0 0 0 rg BT 449.08 460.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.98 460.25 Td (, ) Tj ET Q q 0 0 0 rg BT 483.85 460.25 Td (an ) Tj ET Q q 0 0 0 rg BT 496.67 460.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 532.80 460.25 Td (of ) Tj ET Q q 0 0 0 rg BT 544.51 460.25 Td ($3.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 84.25 448.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 126.53 448.25 Td (to ) Tj ET Q q 0 0 0 rg BT 137.16 448.25 Td (net ) Tj ET Q q 0 0 0 rg BT 152.24 448.25 Td (income ) Tj ET Q q 0 0 0 rg BT 184.53 448.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.71 448.25 Td ($98.7 ) Tj ET Q q 0 0 0 rg BT 221.07 448.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.96 448.25 Td ( ) Tj ET Q q 0 0 0 rg BT 252.82 448.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.45 448.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.45 448.25 Td (. ) Tj ET Q q 0 0 0 rg BT 288.81 448.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 306.10 448.25 Td (income ) Tj ET Q q 0 0 0 rg BT 338.39 448.25 Td (for ) Tj ET Q q 0 0 0 rg BT 352.91 448.25 Td (the ) Tj ET Q q 0 0 0 rg BT 367.98 448.25 Td (year ) Tj ET Q q 0 0 0 rg BT 388.05 448.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.78 448.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 473.72 448.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.72 448.25 Td ( ) Tj ET Q q 0 0 0 rg BT 496.58 448.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.76 448.25 Td ($98.7 ) Tj ET Q q 0 0 0 rg BT 533.12 448.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.25 Td (was ) Tj ET Q q 0 0 0 rg BT 68.05 436.25 Td (an ) Tj ET Q q 0 0 0 rg BT 79.99 436.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 115.24 436.25 Td (of ) Tj ET Q q 0 0 0 rg BT 126.07 436.25 Td ($10.3 ) Tj ET Q q 0 0 0 rg BT 151.07 436.25 Td (million ) Tj ET Q q 0 0 0 rg BT 182.47 436.25 Td (as ) Tj ET Q q 0 0 0 rg BT 193.30 436.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 235.22 436.25 Td (to ) Tj ET Q q 0 0 0 rg BT 245.50 436.25 Td (net ) Tj ET Q q 0 0 0 rg BT 260.21 436.25 Td (income ) Tj ET Q q 0 0 0 rg BT 292.15 436.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.43 436.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.43 436.25 Td ( ) Tj ET Q q 0 0 0 rg BT 324.93 436.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.76 436.25 Td ($88.4 ) Tj ET Q q 0 0 0 rg BT 360.76 436.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 436.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.55 415.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 107.10 415.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 139.53 415.25 Td (segment) Tj ET Q q 0 0 0 rg BT 175.63 415.25 Td (s ) Tj ET Q q 0 0 0 rg BT 182.53 415.25 Td (net ) Tj ET Q q 0 0 0 rg BT 197.75 415.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 230.18 415.25 Td (income ) Tj ET Q q 0 0 0 rg BT 262.62 415.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.84 415.25 Td ($85.3 ) Tj ET Q q 0 0 0 rg BT 318.34 415.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.23 415.25 Td ( ) Tj ET Q q 0 0 0 rg BT 350.24 415.25 Td (for ) Tj ET Q q 0 0 0 rg BT 364.90 415.25 Td (the ) Tj ET Q q 0 0 0 rg BT 380.13 415.25 Td (year ) Tj ET Q q 0 0 0 rg BT 400.34 415.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.22 415.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 486.31 415.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.31 415.25 Td (, ) Tj ET Q q 0 0 0 rg BT 511.81 415.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.24 415.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.25 Td ($82.4 ) Tj ET Q q 0 0 0 rg BT 74.71 403.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.60 403.25 Td ( ) Tj ET Q q 0 0 0 rg BT 105.82 403.25 Td (in ) Tj ET Q q 0 0 0 rg BT 115.81 403.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.24 403.25 Td (same ) Tj ET Q q 0 0 0 rg BT 153.00 403.25 Td (period ) Tj ET Q q 0 0 0 rg BT 180.76 403.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.30 403.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.30 403.25 Td (, ) Tj ET Q q 0 0 0 rg BT 216.02 403.25 Td (an ) Tj ET Q q 0 0 0 rg BT 227.67 403.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 262.64 403.25 Td (of ) Tj ET Q q 0 0 0 rg BT 273.18 403.25 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 292.89 403.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 326.50 403.25 Td (or ) Tj ET Q q 0 0 0 rg BT 337.04 403.25 Td (3%. ) Tj ET Q q 0 0 0 rg BT 355.09 403.25 Td ( ) Tj ET Q q 0 0 0 rg BT 357.14 403.25 Td (The ) Tj ET Q q 0 0 0 rg BT 374.90 403.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 412.65 403.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 444.29 403.25 Td (segment) Tj ET Q q 0 0 0 rg BT 480.40 403.25 Td (s ) Tj ET Q q 0 0 0 rg BT 486.50 403.25 Td (net ) Tj ET Q q 0 0 0 rg BT 500.93 403.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 403.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.48 391.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.52 391.25 Td (year ) Tj ET Q q 0 0 0 rg BT 96.56 391.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.26 391.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 180.16 391.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.16 391.25 Td ( ) Tj ET Q q 0 0 0 rg BT 201.99 391.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 241.56 391.25 Td ($8.5 ) Tj ET Q q 0 0 0 rg BT 260.89 391.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 294.10 391.25 Td (or ) Tj ET Q q 0 0 0 rg BT 304.26 391.25 Td (12%, ) Tj ET Q q 0 0 0 rg BT 326.91 391.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.17 391.25 Td ($73.9 ) Tj ET Q q 0 0 0 rg BT 372.50 391.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.39 391.25 Td ( ) Tj ET Q q 0 0 0 rg BT 403.21 391.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.81 391.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.81 391.25 Td (. ) Tj ET Q q 0 0 0 rg BT 437.01 391.25 Td (The ) Tj ET Q q 0 0 0 rg BT 454.38 391.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 491.74 391.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 522.99 391.25 Td (segment's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 89.57 379.25 Td (for ) Tj ET Q q 0 0 0 rg BT 103.02 379.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 127.58 379.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 153.26 379.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 192.81 379.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.38 379.25 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 221.67 379.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.56 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 252.35 379.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.92 379.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.92 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 283.72 379.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 324.93 379.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.50 379.25 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 353.79 379.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.69 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 384.48 379.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.05 379.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.05 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 415.84 379.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.07 379.25 Td ($637,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.57 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 471.36 379.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.93 379.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.93 379.25 Td (. ) Tj ET Q q 0 0 0 rg BT 505.22 379.25 Td ( ) Tj ET Q q 0 0 0 rg BT 506.89 379.25 Td (The ) Tj ET Q q 0 0 0 rg BT 524.23 379.25 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.38 367.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 89.87 367.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 116.48 367.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 156.96 367.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.46 367.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.46 367.25 Td ( ) Tj ET Q q 0 0 0 rg BT 190.18 367.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.34 367.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.34 367.25 Td ( ) Tj ET Q q 0 0 0 rg BT 230.06 367.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 272.21 367.25 Td (to ) Tj ET Q q 0 0 0 rg BT 282.71 367.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.65 367.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 340.90 367.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 363.06 367.25 Td (year ) Tj ET Q q 0 0 0 rg BT 382.99 367.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 422.93 367.25 Td (due ) Tj ET Q q 0 0 0 rg BT 440.09 367.25 Td (to ) Tj ET Q q 0 0 0 rg BT 450.59 367.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 481.64 367.25 Td (in ) Tj ET Q q 0 0 0 rg BT 492.14 367.25 Td (the ) Tj ET Q q 0 0 0 rg BT 507.08 367.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.02 367.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (within ) Tj ET Q q 0 0 0 rg BT 77.81 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.29 355.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 127.87 355.25 Td (during ) Tj ET Q q 0 0 0 rg BT 156.24 355.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 178.49 355.25 Td (and ) Tj ET Q q 0 0 0 rg BT 195.19 355.25 Td (2014. ) Tj ET Q q 0 0 0 rg BT 219.78 355.25 Td (The ) Tj ET Q q 0 0 0 rg BT 237.59 355.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 275.39 355.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 307.07 355.25 Td (segment) Tj ET Q q 0 0 0 rg BT 343.17 355.25 Td (s ) Tj ET Q q 0 0 0 rg BT 349.32 355.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 399.34 355.25 Td (income ) Tj ET Q q 0 0 0 rg BT 431.03 355.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 355.25 Td ($33.6 ) Tj ET Q q 0 0 0 rg BT 485.26 355.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.15 355.25 Td ( ) Tj ET Q q 0 0 0 rg BT 516.41 355.25 Td (for ) Tj ET Q q 0 0 0 rg BT 530.33 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 355.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.37 343.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.94 343.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.94 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 157.43 343.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 199.35 343.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.61 343.25 Td ($32.5 ) Tj ET Q q 0 0 0 rg BT 234.60 343.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.50 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 265.99 343.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.25 343.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.25 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 298.75 343.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.67 343.25 Td ($30.9 ) Tj ET Q q 0 0 0 rg BT 340.66 343.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.56 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 372.05 343.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.31 343.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.31 343.25 Td (. ) Tj ET Q q 0 0 0 rg BT 407.30 343.25 Td ( ) Tj ET Q q 0 0 0 rg BT 409.61 343.25 Td (The ) Tj ET Q q 0 0 0 rg BT 427.65 343.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 462.90 343.25 Td (in ) Tj ET Q q 0 0 0 rg BT 473.16 343.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 523.42 343.25 Td (income ) Tj ET Q q 0 0 0 rg BT 555.34 343.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (a ) Tj ET Q q 0 0 0 rg BT 55.86 331.25 Td (result ) Tj ET Q q 0 0 0 rg BT 79.50 331.25 Td (of ) Tj ET Q q 0 0 0 rg BT 89.25 331.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 128.42 331.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 165.94 331.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 196.79 331.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 239.29 331.25 Td (originations. ) Tj ET Q q 0 0 0 rg BT 290.98 331.25 Td ( ) Tj ET Q q 0 0 0 rg BT 292.40 331.25 Td (For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.71 331.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.71 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 331.63 331.25 Td (our ) Tj ET Q q 0 0 0 rg BT 346.38 331.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 395.00 331.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 432.52 331.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 463.36 331.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 508.94 331.25 Td (life ) Tj ET Q q 0 0 0 rg BT 523.68 331.25 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 88.05 319.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 119.43 319.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 163.03 319.25 Td (and ) Tj ET Q q 0 0 0 rg BT 179.42 319.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 216.35 319.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 259.38 319.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 290.76 319.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 334.36 319.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 376.84 319.25 Td (for ) Tj ET Q q 0 0 0 rg BT 390.45 319.25 Td (58%, ) Tj ET Q q 0 0 0 rg BT 413.23 319.25 Td (33% ) Tj ET Q q 0 0 0 rg BT 433.51 319.25 Td (and ) Tj ET Q q 0 0 0 rg BT 449.90 319.25 Td (9%, ) Tj ET Q q 0 0 0 rg BT 467.68 319.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 515.34 319.25 Td (, ) Tj ET Q q 0 0 0 rg BT 519.79 319.25 Td (of ) Tj ET Q q 0 0 0 rg BT 530.07 319.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.24 319.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 87.97 307.25 Td (of ) Tj ET Q q 0 0 0 rg BT 98.74 307.25 Td (our ) Tj ET Q q 0 0 0 rg BT 114.50 307.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 152.48 307.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 184.33 307.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 223.16 307.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 240.03 307.25 Td (income ) Tj ET Q q 0 0 0 rg BT 271.90 307.25 Td (of ) Tj ET Q q 0 0 0 rg BT 282.66 307.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.31 307.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 335.29 307.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 367.15 307.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 402.91 307.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.55 307.25 Td ($42.1 ) Tj ET Q q 0 0 0 rg BT 457.49 307.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.38 307.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.31 307.25 Td ($40.6 ) Tj ET Q q 0 0 0 rg BT 516.25 307.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.14 307.25 Td ( ) Tj ET Q q 0 0 0 rg BT 547.57 307.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td ($38.1 ) Tj ET Q q 0 0 0 rg BT 75.00 295.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.89 295.25 Td ( ) Tj ET Q q 0 0 0 rg BT 106.39 295.25 Td (for ) Tj ET Q q 0 0 0 rg BT 120.55 295.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.27 295.25 Td (years ) Tj ET Q q 0 0 0 rg BT 158.87 295.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.24 295.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 243.83 295.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.83 295.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.83 295.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.83 295.25 Td ( ) Tj ET Q q 0 0 0 rg BT 291.33 295.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.27 295.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.27 295.25 Td (, ) Tj ET Q q 0 0 0 rg BT 333.27 295.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 380.93 295.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.56 274.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 96.23 274.25 Td (management ) Tj ET Q q 0 0 0 rg BT 149.33 274.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 184.66 274.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 219.99 274.25 Td (net ) Tj ET Q q 0 0 0 rg BT 234.22 274.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 265.66 274.25 Td (income ) Tj ET Q q 0 0 0 rg BT 297.11 274.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.45 274.25 Td ($17.0 ) Tj ET Q q 0 0 0 rg BT 331.96 274.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.85 274.25 Td ( ) Tj ET Q q 0 0 0 rg BT 362.87 274.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.54 274.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.54 274.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.05 274.25 Td ($16.0 ) Tj ET Q q 0 0 0 rg BT 425.56 274.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.45 274.25 Td ( ) Tj ET Q q 0 0 0 rg BT 456.46 274.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.14 274.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.14 274.25 Td ( ) Tj ET Q q 0 0 0 rg BT 492.15 274.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.60 274.25 Td ($14.1 ) Tj ET Q q 0 0 0 rg BT 533.11 274.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.02 262.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.02 262.25 Td (. ) Tj ET Q q 0 0 0 rg BT 86.88 262.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 102.68 262.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 133.47 262.25 Td (income ) Tj ET Q q 0 0 0 rg BT 164.27 262.25 Td (for ) Tj ET Q q 0 0 0 rg BT 177.29 262.25 Td (this ) Tj ET Q q 0 0 0 rg BT 193.09 262.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 227.78 262.25 Td (is ) Tj ET Q q 0 0 0 rg BT 235.81 262.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 274.38 262.25 Td (comprised ) Tj ET Q q 0 0 0 rg BT 317.40 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 327.08 262.25 Td (an ) Tj ET Q q 0 0 0 rg BT 337.88 262.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 378.67 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.36 262.25 Td (net ) Tj ET Q q 0 0 0 rg BT 401.94 262.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 432.73 262.25 Td (income ) Tj ET Q q 0 0 0 rg BT 463.53 262.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 491.53 262.25 Td (by ) Tj ET Q q 0 0 0 rg BT 502.89 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.47 262.25 Td (community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 85.10 250.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 121.31 250.25 Td (on ) Tj ET Q q 0 0 0 rg BT 134.20 250.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 184.85 250.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 217.72 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 235.04 250.25 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 300.68 250.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 330.22 250.25 Td (management ) Tj ET Q q 0 0 0 rg BT 384.19 250.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 423.74 250.25 Td (account ) Tj ET Q q 0 0 0 rg BT 457.71 250.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 495.02 250.25 Td (on ) Tj ET Q q 0 0 0 rg BT 507.91 250.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 539.68 250.25 Td (at ) Tj ET Q q 0 0 0 rg BT 549.79 250.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 77.47 238.25 Td (W) Tj ET Q q 0 0 0 rg BT 86.11 238.25 Td (ealth ) Tj ET Q q 0 0 0 rg BT 107.30 238.25 Td (management ) Tj ET Q q 0 0 0 rg BT 160.16 238.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 198.58 238.25 Td (account ) Tj ET Q q 0 0 0 rg BT 231.44 238.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 267.63 238.25 Td (on ) Tj ET Q q 0 0 0 rg BT 279.39 238.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 310.04 238.25 Td (at ) Tj ET Q q 0 0 0 rg BT 319.03 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.01 238.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 358.10 238.25 Td (averaged ) Tj ET Q q 0 0 0 rg BT 395.95 238.25 Td ($890.6 ) Tj ET Q q 0 0 0 rg BT 425.22 238.25 Td (million, ) Tj ET Q q 0 0 0 rg BT 458.37 238.25 Td ($832.9 ) Tj ET Q q 0 0 0 rg BT 487.64 238.25 Td (million ) Tj ET Q q 0 0 0 rg BT 518.30 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 534.50 238.25 Td ($782.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (million ) Tj ET Q q 0 0 0 rg BT 81.31 226.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.50 226.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.50 226.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.42 226.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.42 226.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.84 226.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.69 226.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.69 226.25 Td (, ) Tj ET Q q 0 0 0 rg BT 180.61 226.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 228.27 226.25 Td (. ) Tj ET Q q 0 0 0 rg BT 233.01 226.25 Td (This ) Tj ET Q q 0 0 0 rg BT 253.21 226.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 288.95 226.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 326.34 226.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 376.52 226.25 Td (income ) Tj ET Q q 0 0 0 rg BT 408.38 226.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.12 226.25 Td ($75.5 ) Tj ET Q q 0 0 0 rg BT 444.04 226.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.93 226.25 Td ( ) Tj ET Q q 0 0 0 rg BT 475.35 226.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.42 226.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.42 226.25 Td ( ) Tj ET Q q 0 0 0 rg BT 511.84 226.25 Td (as ) Tj ET Q q 0 0 0 rg BT 522.59 226.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.94 214.25 Td ($73.4 ) Tj ET Q q 0 0 0 rg BT 84.60 214.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.50 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 115.66 214.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.48 214.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.48 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 151.65 214.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.25 214.25 Td ($65.6 ) Tj ET Q q 0 0 0 rg BT 192.91 214.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.80 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 223.96 214.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.79 214.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.79 214.25 Td (. ) Tj ET Q q 0 0 0 rg BT 262.29 214.25 Td (This ) Tj ET Q q 0 0 0 rg BT 282.24 214.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 317.15 214.25 Td (is ) Tj ET Q q 0 0 0 rg BT 325.99 214.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 365.36 214.25 Td (due ) Tj ET Q q 0 0 0 rg BT 381.96 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 391.90 214.25 Td (a ) Tj ET Q q 0 0 0 rg BT 398.51 214.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 429.00 214.25 Td (in ) Tj ET Q q 0 0 0 rg BT 438.94 214.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 464.43 214.25 Td (from ) Tj ET Q q 0 0 0 rg BT 486.04 214.25 Td (new ) Tj ET Q q 0 0 0 rg BT 504.86 214.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 547.57 214.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (new ) Tj ET Q q 0 0 0 rg BT 70.48 202.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 109.28 202.25 Td (advisors, ) Tj ET Q q 0 0 0 rg BT 148.93 202.25 Td (as ) Tj ET Q q 0 0 0 rg BT 161.08 202.25 Td (well ) Tj ET Q q 0 0 0 rg BT 182.11 202.25 Td (as ) Tj ET Q q 0 0 0 rg BT 194.26 202.25 Td (an ) Tj ET Q q 0 0 0 rg BT 207.52 202.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 244.09 202.25 Td (in ) Tj ET Q q 0 0 0 rg BT 255.69 202.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 291.18 202.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 331.65 202.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 365.46 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 383.72 202.25 Td (market ) Tj ET Q q 0 0 0 rg BT 415.30 202.25 Td (appreciation. ) Tj ET Q q 0 0 0 rg BT 471.04 202.25 Td (Distribution ) Tj ET Q q 0 0 0 rg BT 523.19 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 535.34 202.25 Td (wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (management ) Tj ET Q q 0 0 0 rg BT 103.49 190.25 Td (services ) Tj ET Q q 0 0 0 rg BT 138.10 190.25 Td (through ) Tj ET Q q 0 0 0 rg BT 171.62 190.25 Td (each ) Tj ET Q q 0 0 0 rg BT 192.33 190.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 214.18 190.25 Td (continues ) Tj ET Q q 0 0 0 rg BT 254.91 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 265.09 190.25 Td (be ) Tj ET Q q 0 0 0 rg BT 276.93 190.25 Td (a ) Tj ET Q q 0 0 0 rg BT 283.77 190.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 307.84 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 318.57 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.19 190.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 374.48 190.25 Td (as ) Tj ET Q q 0 0 0 rg BT 385.22 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.84 190.25 Td (number ) Tj ET Q q 0 0 0 rg BT 432.79 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 443.52 190.25 Td (brokers ) Tj ET Q q 0 0 0 rg BT 475.92 190.25 Td (in ) Tj ET Q q 0 0 0 rg BT 486.10 190.25 Td (its ) Tj ET Q q 0 0 0 rg BT 497.95 190.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 523.68 190.25 Td (continues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.34 178.25 Td (increase. ) Tj ET Q q 0 0 0 rg BT 97.98 178.25 Td (The ) Tj ET Q q 0 0 0 rg BT 116.09 178.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 157.54 178.25 Td (is ) Tj ET Q q 0 0 0 rg BT 166.77 178.25 Td (committed ) Tj ET Q q 0 0 0 rg BT 212.11 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 222.45 178.25 Td (growing ) Tj ET Q q 0 0 0 rg BT 258.35 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.13 178.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 302.35 178.25 Td (management ) Tj ET Q q 0 0 0 rg BT 356.00 178.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 391.89 178.25 Td (in ) Tj ET Q q 0 0 0 rg BT 402.24 178.25 Td (order ) Tj ET Q q 0 0 0 rg BT 425.90 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 436.24 178.25 Td (better ) Tj ET Q q 0 0 0 rg BT 461.57 178.25 Td (service ) Tj ET Q q 0 0 0 rg BT 492.45 178.25 Td (its ) Tj ET Q q 0 0 0 rg BT 504.46 178.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 547.58 178.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (create ) Tj ET Q q 0 0 0 rg BT 75.38 166.25 Td (a ) Tj ET Q q 0 0 0 rg BT 81.34 166.25 Td (more ) Tj ET Q q 0 0 0 rg BT 103.40 166.25 Td (diversified ) Tj ET Q q 0 0 0 rg BT 147.68 166.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 180.84 166.25 Td (stream. ) Tj ET Q q 0 0 0 rg BT 211.41 166.25 Td (The ) Tj ET Q q 0 0 0 rg BT 228.47 166.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 256.65 166.25 Td (management ) Tj ET Q q 0 0 0 rg BT 309.25 166.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 344.09 166.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 378.93 166.25 Td (net ) Tj ET Q q 0 0 0 rg BT 392.66 166.25 Td (income ) Tj ET Q q 0 0 0 rg BT 423.61 166.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.46 166.25 Td ($12.7 ) Tj ET Q q 0 0 0 rg BT 457.48 166.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.37 166.25 Td ( ) Tj ET Q q 0 0 0 rg BT 487.89 166.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.06 166.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.06 166.25 Td ( ) Tj ET Q q 0 0 0 rg BT 522.58 166.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.28 154.25 Td ($12.1 ) Tj ET Q q 0 0 0 rg BT 85.28 154.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.17 154.25 Td ( ) Tj ET Q q 0 0 0 rg BT 116.67 154.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.83 154.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.83 154.25 Td ( ) Tj ET Q q 0 0 0 rg BT 153.33 154.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.27 154.25 Td ($10.7 ) Tj ET Q q 0 0 0 rg BT 195.27 154.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.16 154.25 Td ( ) Tj ET Q q 0 0 0 rg BT 226.66 154.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.82 154.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.82 154.25 Td (.) Tj ET Q endstream endobj 131 0 obj <> endobj 132 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (65) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ANAL) Tj ET Q q 0 0 0 rg BT 77.42 742.25 Td (YSIS OF) Tj ET Q q 0 0 0 rg BT 115.67 742.25 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 174.29 742.25 Td ( CONDITION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 721.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 74.31 721.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 101.55 721.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.89 721.25 Td ($22.9 ) Tj ET Q q 0 0 0 rg BT 151.29 721.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.41 721.25 Td ( ) Tj ET Q q 0 0 0 rg BT 181.32 721.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.44 721.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 252.43 721.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.43 721.25 Td (, ) Tj ET Q q 0 0 0 rg BT 278.84 721.25 Td (representing ) Tj ET Q q 0 0 0 rg BT 332.17 721.25 Td (an ) Tj ET Q q 0 0 0 rg BT 345.52 721.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 382.18 721.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.42 721.25 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 415.82 721.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.94 721.25 Td (, ) Tj ET Q q 0 0 0 rg BT 448.35 721.25 Td (or ) Tj ET Q q 0 0 0 rg BT 460.58 721.25 Td (15%, ) Tj ET Q q 0 0 0 rg BT 485.32 721.25 Td (when ) Tj ET Q q 0 0 0 rg BT 510.89 721.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.22 721.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.42 709.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.42 709.25 Td (. ) Tj ET Q q 0 0 0 rg BT 133.10 709.25 Td (T) Tj ET Q q 0 0 0 rg BT 138.51 709.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 155.84 709.25 Td (funding, ) Tj ET Q q 0 0 0 rg BT 191.79 709.25 Td (which ) Tj ET Q q 0 0 0 rg BT 218.57 709.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 254.23 709.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 291.85 709.25 Td (all ) Tj ET Q q 0 0 0 rg BT 304.19 709.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 327.64 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 344.42 709.25 Td (advances, ) Tj ET Q q 0 0 0 rg BT 385.90 709.25 Td (including ) Tj ET Q q 0 0 0 rg BT 426.02 709.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 458.89 709.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 506.78 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 523.56 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.12 709.25 Td (junior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 104.49 697.25 Td (debentures, ) Tj ET Q q 0 0 0 rg BT 153.14 697.25 Td (was ) Tj ET Q q 0 0 0 rg BT 171.52 697.25 Td ($20.2 ) Tj ET Q q 0 0 0 rg BT 196.86 697.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 225.80 697.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.85 697.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 294.77 697.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.77 697.25 Td ( ) Tj ET Q q 0 0 0 rg BT 317.60 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 334.88 697.25 Td ($17.6 ) Tj ET Q q 0 0 0 rg BT 360.21 697.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 389.16 697.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.21 697.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 458.12 697.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.12 697.25 Td (. ) Tj ET Q q 0 0 0 rg BT 483.46 697.25 Td (See ) Tj ET Q q 0 0 0 rg BT 500.73 697.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 526.89 697.25 Td (3, ) Tj ET Q q 0 0 0 rg BT 537.23 697.25 Td (4, ) Tj ET Q q 0 0 0 rg BT 547.56 697.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (10 ) Tj ET Q q 0 0 0 rg BT 63.20 685.25 Td (through ) Tj ET Q q 0 0 0 rg BT 97.51 685.25 Td (14 ) Tj ET Q q 0 0 0 rg BT 110.72 685.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.25 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 137.67 685.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 193.65 685.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 234.06 685.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 281.15 685.25 Td (in ) Tj ET Q q 0 0 0 rg BT 292.13 685.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 313.66 685.25 Td (8 ) Tj ET Q q 0 0 0 rg BT 321.86 685.25 Td (for ) Tj ET Q q 0 0 0 rg BT 336.72 685.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 379.92 685.25 Td (period-end ) Tj ET Q q 0 0 0 rg BT 426.44 685.25 Td (detail ) Tj ET Q q 0 0 0 rg BT 451.85 685.25 Td (on ) Tj ET Q q 0 0 0 rg BT 465.05 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.47 685.25 Td (Company) Tj ET Q q 0 0 0 rg BT 522.14 685.25 Td (s ) Tj ET Q q 0 0 0 rg BT 529.23 685.25 Td (interest-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 82.49 673.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 108.32 673.25 Td (and ) Tj ET Q q 0 0 0 rg BT 125.25 673.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 158.86 673.25 Td (liabilities.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 71.48 652.25 Td (est-Earning ) Tj ET Q q 0 0 0 rg BT 123.43 652.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 635.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.63 635.25 Td (following ) Tj ET Q q 0 0 0 rg BT 108.59 635.25 Td (table ) Tj ET Q q 0 0 0 rg BT 130.11 635.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 147.19 635.25 Td (forth, ) Tj ET Q q 0 0 0 rg BT 171.21 635.25 Td (by ) Tj ET Q q 0 0 0 rg BT 183.29 635.25 Td (category) Tj ET Q q 0 0 0 rg BT 217.06 635.25 Td (, ) Tj ET Q q 0 0 0 rg BT 221.64 635.25 Td (the ) Tj ET Q q 0 0 0 rg BT 235.94 635.25 Td (composition ) Tj ET Q q 0 0 0 rg BT 287.46 635.25 Td (of ) Tj ET Q q 0 0 0 rg BT 297.87 635.25 Td (average ) Tj ET Q q 0 0 0 rg BT 331.04 635.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 363.10 635.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 388.51 635.25 Td (and ) Tj ET Q q 0 0 0 rg BT 405.03 635.25 Td (the ) Tj ET Q q 0 0 0 rg BT 419.33 635.25 Td (relative ) Tj ET Q q 0 0 0 rg BT 451.39 635.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 496.77 635.25 Td (of ) Tj ET Q q 0 0 0 rg BT 507.18 635.25 Td (each ) Tj ET Q q 0 0 0 rg BT 527.57 635.25 Td (category ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 623.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 623.25 Td (total ) Tj ET Q q 0 0 0 rg BT 80.55 623.25 Td (average ) Tj ET Q q 0 0 0 rg BT 114.14 623.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 146.62 623.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 172.45 623.25 Td (for ) Tj ET Q q 0 0 0 rg BT 186.61 623.25 Td (the ) Tj ET Q q 0 0 0 rg BT 201.33 623.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 233.27 623.25 Td (presented:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 612.45 Td () Tj ET Q 1 1 1 rg /GS0 gs 50.50 589.95 179.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 229.50 589.95 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 233.50 589.95 107.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 340.50 589.95 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 344.50 589.95 107.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 451.50 589.95 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 455.50 589.95 107.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 565.95 179.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 565.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 565.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 565.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 565.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 565.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 565.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 565.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 565.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 565.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 565.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 565.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 565.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 537.95 179.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 537.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 537.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 537.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 537.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 537.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 537.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 537.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 537.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 537.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 537.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 537.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 537.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 509.95 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 509.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 509.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 509.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 509.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 509.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 509.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 509.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 509.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 509.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 509.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 509.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 509.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 480.95 179.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 480.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 480.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 480.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 480.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 480.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 480.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 480.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 480.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 480.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 480.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 480.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 480.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 441.95 179.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 441.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 441.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 441.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 441.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 441.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 441.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 441.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 441.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 441.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 441.95 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 441.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 441.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 412.95 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 412.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 412.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 412.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 412.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 412.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 412.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 412.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 412.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 412.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 412.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 412.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 412.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 382.95 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 382.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 382.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 382.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 382.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 382.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 382.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 382.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 382.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 382.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 382.95 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 382.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 382.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 352.95 179.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 352.95 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 352.95 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 352.95 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 298.50 352.95 42.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 352.95 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 352.95 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 352.95 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 352.95 42.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 352.95 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 352.95 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 352.95 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 352.95 42.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 601.95 m 229.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 601.95 m 233.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 601.95 m 294.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 589.95 m 294.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 601.95 m 298.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 589.95 m 298.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 601.95 m 340.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 589.95 m 340.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 601.95 m 344.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 589.95 m 344.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 601.95 m 405.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 589.95 m 405.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 601.95 m 409.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 589.95 m 409.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 601.95 m 451.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 589.95 m 451.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 601.95 m 455.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 589.95 m 455.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 601.95 m 516.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 589.95 m 516.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 601.95 m 520.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 589.95 m 520.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 601.95 m 562.5 601.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 589.95 m 562.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 589.95 m 294.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 589.95 m 298.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 589.95 m 340.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 589.95 m 344.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 589.95 m 405.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 589.95 m 516.5 589.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 565.95 m 229.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 565.95 m 233.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 577.95 m 294.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 565.95 m 294.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 577.95 m 298.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 565.95 m 298.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 577.95 m 340.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 565.95 m 340.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 577.95 m 344.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 565.95 m 344.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 577.95 m 405.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 565.95 m 405.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 577.95 m 409.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 565.95 m 409.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 577.95 m 451.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 565.95 m 451.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 577.95 m 455.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 565.95 m 455.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 577.95 m 516.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 565.95 m 516.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 577.95 m 520.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 565.95 m 520.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 577.95 m 562.5 577.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 565.95 m 562.5 565.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 466.95 m 294.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 466.95 m 298.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 466.95 m 340.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 466.95 m 344.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 466.95 m 405.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 466.95 m 409.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 466.95 m 451.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 466.95 m 455.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 466.95 m 516.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 466.95 m 520.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 466.95 m 562.5 466.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 427.95 m 294.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 412.95 m 294.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 427.95 m 298.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 412.95 m 298.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 427.95 m 340.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 412.95 m 340.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 427.95 m 344.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 412.95 m 344.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 427.95 m 405.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 412.95 m 405.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 427.95 m 409.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 412.95 m 409.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 427.95 m 451.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 412.95 m 451.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 427.95 m 455.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 412.95 m 455.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 427.95 m 516.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 412.95 m 516.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 427.95 m 520.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 412.95 m 520.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 427.95 m 562.5 427.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 412.95 m 562.5 412.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 382.95 m 294.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 382.95 m 298.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 382.95 m 340.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 382.95 m 344.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 382.95 m 405.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 382.95 m 409.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 382.95 m 451.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 382.95 m 455.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 382.95 m 516.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 382.95 m 520.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 382.95 m 562.5 382.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 367.95 m 294.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 352.95 m 294.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 367.95 m 298.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 352.95 m 298.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 367.95 m 340.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 352.95 m 340.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 367.95 m 344.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 352.95 m 344.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 367.95 m 405.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 352.95 m 405.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 367.95 m 409.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 352.95 m 409.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 367.95 m 451.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 352.95 m 451.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 367.95 m 455.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 352.95 m 455.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 367.95 m 516.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 352.95 m 516.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 367.95 m 520.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 352.95 m 520.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 367.95 m 562.5 367.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 352.95 m 562.5 352.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 327.95 m 229.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 327.95 m 233.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 327.95 m 294.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 327.95 m 298.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 327.95 m 340.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 327.95 m 344.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 327.95 m 405.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 327.95 m 409.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 327.95 m 451.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 327.95 m 455.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 327.95 m 516.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 327.95 m 520.5 327.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 327.95 m 562.5 327.95 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 593.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 351.55 594.03 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 581.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.50 582.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.50 581.90 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.50 581.90 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 569.90 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.90 570.03 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 305.95 570.03 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.60 569.90 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.00 569.90 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.60 569.90 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.00 569.90 Td (Percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 556.52 Td (Loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 542.52 Td (Commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.00 542.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.60 542.63 Td (4,250,698) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 542.63 Td (22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.00 542.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 542.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.60 542.52 Td (3,559,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 542.52 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 542.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 542.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.60 542.52 Td (3,005,880) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 542.52 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 542.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 528.52 Td (Commercial real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.60 528.63 Td (4,990,657) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 528.63 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.60 528.52 Td (4,368,326) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 528.52 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.60 528.52 Td (4,076,844) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 528.52 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 514.52 Td (Home equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 514.63 Td (749,760) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.00 514.63 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 514.52 Td (715,174) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 514.52 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 514.52 Td (753,181) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 514.52 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 500.52 Td (Residential real estate ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 149.24 505.05 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 499.63 Td (899,039) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.00 499.63 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 499.62 Td (745,637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 499.62 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 499.62 Td (772,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 499.62 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 485.52 Td (Premium finance receivables) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.60 485.63 Td (4,973,095) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 485.63 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.60 485.52 Td (4,401,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 485.52 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.60 485.52 Td (3,946,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 485.52 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 471.52 Td (Other loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 471.63 Td (159,122) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.00 471.63 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 471.52 Td (168,812) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 471.52 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 471.52 Td (186,897) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 471.52 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 457.52 Td (T) Tj ET Q q 0 0 0 rg BT 76.41 457.52 Td (otal loans, net of unearned income) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 214.14 462.05 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.72 457.52 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 447.52 Td (excluding covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.00 446.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.60 446.63 Td (16,022,371) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 446.63 Td (83) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.00 446.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 446.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.60 446.62 Td (13,958,842) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 446.62 Td (82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 446.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 446.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.60 446.62 Td (12,742,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 446.62 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 446.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 432.52 Td (Covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 258.15 432.63 Td (186,427) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.00 432.63 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 432.52 Td (280,946) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.65 432.52 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.15 432.52 Td (462,518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 432.52 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.00 417.62 Td (T) Tj ET Q q 0 0 0 rg BT 78.41 417.62 Td (otal average loans ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 153.10 422.15 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.00 417.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.60 417.63 Td (16,208,798) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 417.63 Td (84) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.00 417.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 417.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.60 417.62 Td (14,239,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 417.62 Td (84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 417.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 417.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.60 417.62 Td (13,204,720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 417.62 Td (84) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 417.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 402.62 Td (Liquidity management assets ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 172.14 407.15 Td (\(3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.00 402.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 250.60 402.63 Td (2,992,506) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 402.63 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.00 402.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 402.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.60 402.62 Td (2,761,450) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 402.62 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 402.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 402.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.60 402.62 Td (2,557,223) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 402.62 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 402.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 387.62 Td (Other earning assets ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 136.58 392.15 Td (\(4\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 263.15 387.63 Td (30,161) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 387.63 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 387.62 Td (28,699) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 387.62 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 387.62 Td (26,554) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 387.62 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 373.52 Td (Total average earning assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.00 372.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.60 372.63 Td (19,231,465) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 315.00 372.63 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.00 372.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 372.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.60 372.62 Td (17,029,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 372.62 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 372.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 372.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.60 372.62 Td (15,788,497) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 372.62 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 372.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 358.52 Td (Total average assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.00 357.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.60 357.63 Td (21,009,773) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.00 357.20 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.00 357.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.60 357.62 Td (18,699,458) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.00 357.20 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.00 357.62 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.60 357.62 Td (17,468,249) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.00 357.20 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 343.52 Td (Total average earning assets to total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 333.52 Td (average assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.00 332.20 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.00 332.63 Td (92) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 330.00 332.63 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.00 332.20 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 332.62 Td (91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 332.62 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.00 332.20 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 332.62 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 332.62 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 304.45 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 304.45 Td (Includes ) Tj ET Q q 0 0 0 rg BT 116.83 304.45 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 157.66 304.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 181.83 304.45 Td (held-for) Tj ET Q q 0 0 0 rg BT 213.84 304.45 Td (-sale) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 292.45 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 292.45 Td (Includes ) Tj ET Q q 0 0 0 rg BT 116.83 292.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 141.00 292.45 Td (held-for) Tj ET Q q 0 0 0 rg BT 173.01 292.45 Td (-sale ) Tj ET Q q 0 0 0 rg BT 194.95 292.45 Td (and ) Tj ET Q q 0 0 0 rg BT 212.45 292.45 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 263.83 292.45 Td (loans) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 280.45 Td (\(3\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 280.45 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 119.34 280.45 Td (management ) Tj ET Q q 0 0 0 rg BT 173.21 280.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 199.88 280.45 Td (include ) Tj ET Q q 0 0 0 rg BT 232.09 280.45 Td (investment ) Tj ET Q q 0 0 0 rg BT 277.63 280.45 Td (securities, ) Tj ET Q q 0 0 0 rg BT 321.23 280.45 Td (Federal ) Tj ET Q q 0 0 0 rg BT 355.66 280.45 Td (Home ) Tj ET Q q 0 0 0 rg BT 382.32 280.45 Td (Loan ) Tj ET Q q 0 0 0 rg BT 405.66 280.45 Td (Bank ) Tj ET Q q 0 0 0 rg BT 428.98 280.45 Td (and ) Tj ET Q q 0 0 0 rg BT 446.76 280.45 Td (Federal ) Tj ET Q q 0 0 0 rg BT 481.19 280.45 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 515.61 280.45 Td (Bank ) Tj ET Q q 0 0 0 rg BT 538.93 280.45 Td (stock, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 268.45 Td (inter) Tj ET Q q 0 0 0 rg BT 98.97 268.45 Td (est ) Tj ET Q q 0 0 0 rg BT 112.57 268.45 Td (earning ) Tj ET Q q 0 0 0 rg BT 146.18 268.45 Td (deposits ) Tj ET Q q 0 0 0 rg BT 181.46 268.45 Td (with ) Tj ET Q q 0 0 0 rg BT 201.19 268.45 Td (banks, ) Tj ET Q q 0 0 0 rg BT 229.52 268.45 Td (federal ) Tj ET Q q 0 0 0 rg BT 260.34 268.45 Td (funds ) Tj ET Q q 0 0 0 rg BT 284.51 268.45 Td (sold ) Tj ET Q q 0 0 0 rg BT 303.68 268.45 Td (and ) Tj ET Q q 0 0 0 rg BT 321.18 268.45 Td (securities ) Tj ET Q q 0 0 0 rg BT 362.01 268.45 Td (pur) Tj ET Q q 0 0 0 rg BT 375.53 268.45 Td (chased ) Tj ET Q q 0 0 0 rg BT 405.80 268.45 Td (under ) Tj ET Q q 0 0 0 rg BT 431.63 268.45 Td (r) Tj ET Q q 0 0 0 rg BT 435.15 268.45 Td (esale ) Tj ET Q q 0 0 0 rg BT 458.19 268.45 Td (agr) Tj ET Q q 0 0 0 rg BT 471.71 268.45 Td (eements) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 256.45 Td (\(4\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 256.45 Td (Other ) Tj ET Q q 0 0 0 rg BT 106.28 256.45 Td (earning ) Tj ET Q q 0 0 0 rg BT 139.89 256.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 166.28 256.45 Td (include ) Tj ET Q q 0 0 0 rg BT 198.21 256.45 Td (br) Tj ET Q q 0 0 0 rg BT 206.73 256.45 Td (okerage ) Tj ET Q q 0 0 0 rg BT 241.44 256.45 Td (customer ) Tj ET Q q 0 0 0 rg BT 280.60 256.45 Td (r) Tj ET Q q 0 0 0 rg BT 284.12 256.45 Td (eceivables ) Tj ET Q q 0 0 0 rg BT 328.26 256.45 Td (and ) Tj ET Q q 0 0 0 rg BT 345.76 256.45 Td (trading ) Tj ET Q q 0 0 0 rg BT 377.71 256.45 Td (account ) Tj ET Q q 0 0 0 rg BT 411.87 256.45 Td (securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.45 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 235.45 Td (otal ) Tj ET Q q 0 0 0 rg BT 73.69 235.45 Td (average ) Tj ET Q q 0 0 0 rg BT 108.06 235.45 Td (earning ) Tj ET Q q 0 0 0 rg BT 141.33 235.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 167.95 235.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 208.98 235.45 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 229.77 235.45 Td (billion, ) Tj ET Q q 0 0 0 rg BT 261.67 235.45 Td (or ) Tj ET Q q 0 0 0 rg BT 273.28 235.45 Td (13%, ) Tj ET Q q 0 0 0 rg BT 297.40 235.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.46 235.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.46 235.45 Td ( ) Tj ET Q q 0 0 0 rg BT 331.75 235.45 Td (and ) Tj ET Q q 0 0 0 rg BT 349.47 235.45 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 370.26 235.45 Td (billion, ) Tj ET Q q 0 0 0 rg BT 402.15 235.45 Td (or ) Tj ET Q q 0 0 0 rg BT 413.77 235.45 Td (7%, ) Tj ET Q q 0 0 0 rg BT 432.88 235.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.95 235.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.95 235.45 Td (. ) Tj ET Q q 0 0 0 rg BT 469.01 235.45 Td (A) Tj ET Q q 0 0 0 rg BT 475.49 235.45 Td (verage ) Tj ET Q q 0 0 0 rg BT 505.42 235.45 Td (earning ) Tj ET Q q 0 0 0 rg BT 538.69 235.45 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.45 Td (comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.23 223.45 Td (92%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.56 223.45 Td ( ) Tj ET Q q 0 0 0 rg BT 115.13 223.45 Td (of ) Tj ET Q q 0 0 0 rg BT 126.04 223.45 Td (average ) Tj ET Q q 0 0 0 rg BT 159.69 223.45 Td (total ) Tj ET Q q 0 0 0 rg BT 180.04 223.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 205.94 223.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.29 223.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.29 223.45 Td ( ) Tj ET Q q 0 0 0 rg BT 238.87 223.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 280.86 223.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.22 223.45 Td (91%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.55 223.45 Td ( ) Tj ET Q q 0 0 0 rg BT 312.12 223.45 Td (of ) Tj ET Q q 0 0 0 rg BT 323.02 223.45 Td (average ) Tj ET Q q 0 0 0 rg BT 356.68 223.45 Td (total ) Tj ET Q q 0 0 0 rg BT 377.03 223.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 402.93 223.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.28 223.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.28 223.45 Td ( ) Tj ET Q q 0 0 0 rg BT 435.85 223.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.87 223.45 Td (90%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.20 223.45 Td ( ) Tj ET Q q 0 0 0 rg BT 473.77 223.45 Td (of ) Tj ET Q q 0 0 0 rg BT 484.67 223.45 Td (average ) Tj ET Q q 0 0 0 rg BT 518.33 223.45 Td (total ) Tj ET Q q 0 0 0 rg BT 538.68 223.45 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.28 211.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.28 211.45 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 190.45 Td (Loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.95 190.45 Td ( ) Tj ET Q q 0 0 0 rg BT 79.25 190.45 Td (A) Tj ET Q q 0 0 0 rg BT 85.73 190.45 Td (verage ) Tj ET Q q 0 0 0 rg BT 115.33 190.45 Td (total ) Tj ET Q q 0 0 0 rg BT 136.06 190.45 Td (loans, ) Tj ET Q q 0 0 0 rg BT 162.62 190.45 Td (net ) Tj ET Q q 0 0 0 rg BT 177.79 190.45 Td (of ) Tj ET Q q 0 0 0 rg BT 189.07 190.45 Td (unearned ) Tj ET Q q 0 0 0 rg BT 228.67 190.45 Td (income, ) Tj ET Q q 0 0 0 rg BT 263.56 190.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.72 190.45 Td ($16.2 ) Tj ET Q q 0 0 0 rg BT 319.18 190.45 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.29 190.45 Td ( ) Tj ET Q q 0 0 0 rg BT 348.24 190.45 Td (and ) Tj ET Q q 0 0 0 rg BT 365.64 190.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 406.34 190.45 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 426.80 190.45 Td (billion, ) Tj ET Q q 0 0 0 rg BT 458.36 190.45 Td (or ) Tj ET Q q 0 0 0 rg BT 469.65 190.45 Td (14%, ) Tj ET Q q 0 0 0 rg BT 493.43 190.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.16 190.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.16 190.45 Td ( ) Tj ET Q q 0 0 0 rg BT 527.11 190.45 Td (and ) Tj ET Q q 0 0 0 rg BT 544.50 190.45 Td ($1.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.45 Td (billion, ) Tj ET Q q 0 0 0 rg BT 81.45 178.45 Td (or ) Tj ET Q q 0 0 0 rg BT 92.63 178.45 Td (8%, ) Tj ET Q q 0 0 0 rg BT 111.30 178.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.92 178.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.92 178.45 Td (. ) Tj ET Q q 0 0 0 rg BT 146.63 178.45 Td (A) Tj ET Q q 0 0 0 rg BT 153.11 178.45 Td (verage ) Tj ET Q q 0 0 0 rg BT 182.59 178.45 Td (commercial ) Tj ET Q q 0 0 0 rg BT 232.63 178.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 256.58 178.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.63 178.45 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 306.98 178.45 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.09 178.45 Td ( ) Tj ET Q q 0 0 0 rg BT 335.93 178.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.55 178.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.55 178.45 Td (, ) Tj ET Q q 0 0 0 rg BT 371.89 178.45 Td (and ) Tj ET Q q 0 0 0 rg BT 389.17 178.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 429.76 178.45 Td ($691.3 ) Tj ET Q q 0 0 0 rg BT 460.10 178.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 494.34 178.45 Td (or ) Tj ET Q q 0 0 0 rg BT 505.51 178.45 Td (19%, ) Tj ET Q q 0 0 0 rg BT 529.18 178.45 Td (over ) Tj ET Q q 0 0 0 rg BT 549.79 178.45 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.45 Td (average ) Tj ET Q q 0 0 0 rg BT 83.94 166.45 Td (balance ) Tj ET Q q 0 0 0 rg BT 117.32 166.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.95 166.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.95 166.45 Td (, ) Tj ET Q q 0 0 0 rg BT 153.30 166.45 Td (while ) Tj ET Q q 0 0 0 rg BT 178.37 166.45 Td (average ) Tj ET Q q 0 0 0 rg BT 212.30 166.45 Td (commercial ) Tj ET Q q 0 0 0 rg BT 262.35 166.45 Td (real ) Tj ET Q q 0 0 0 rg BT 280.19 166.45 Td (estate ) Tj ET Q q 0 0 0 rg BT 305.81 166.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 329.77 166.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.83 166.45 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 380.18 166.45 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.29 166.45 Td ( ) Tj ET Q q 0 0 0 rg BT 409.15 166.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.78 166.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.78 166.45 Td (, ) Tj ET Q q 0 0 0 rg BT 445.13 166.45 Td (increasing ) Tj ET Q q 0 0 0 rg BT 489.07 166.45 Td ($622.3 ) Tj ET Q q 0 0 0 rg BT 519.42 166.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 553.67 166.45 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.45 Td (14%, ) Tj ET Q q 0 0 0 rg BT 73.80 154.45 Td (since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.32 154.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.32 154.45 Td (. ) Tj ET Q q 0 0 0 rg BT 122.79 154.45 Td (From ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.43 154.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.43 154.45 Td ( ) Tj ET Q q 0 0 0 rg BT 170.40 154.45 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.15 154.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.15 154.45 Td (, ) Tj ET Q q 0 0 0 rg BT 206.62 154.45 Td (average ) Tj ET Q q 0 0 0 rg BT 240.67 154.45 Td (commercial ) Tj ET Q q 0 0 0 rg BT 290.84 154.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.92 154.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 355.64 154.45 Td ($553.5 ) Tj ET Q q 0 0 0 rg BT 386.11 154.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 420.47 154.45 Td (or ) Tj ET Q q 0 0 0 rg BT 431.77 154.45 Td (18%, ) Tj ET Q q 0 0 0 rg BT 455.57 154.45 Td (while ) Tj ET Q q 0 0 0 rg BT 480.76 154.45 Td (average ) Tj ET Q q 0 0 0 rg BT 514.81 154.45 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.45 Td (real ) Tj ET Q q 0 0 0 rg BT 67.38 142.45 Td (estate ) Tj ET Q q 0 0 0 rg BT 92.54 142.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 116.04 142.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 156.19 142.45 Td (by ) Tj ET Q q 0 0 0 rg BT 168.58 142.45 Td ($291.5 ) Tj ET Q q 0 0 0 rg BT 198.48 142.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 232.26 142.45 Td (or ) Tj ET Q q 0 0 0 rg BT 242.99 142.45 Td (7%. ) Tj ET Q q 0 0 0 rg BT 261.21 142.45 Td (Combined, ) Tj ET Q q 0 0 0 rg BT 307.77 142.45 Td (these ) Tj ET Q q 0 0 0 rg BT 330.71 142.45 Td (categories ) Tj ET Q q 0 0 0 rg BT 373.64 142.45 Td (comprised ) Tj ET Q q 0 0 0 rg BT 417.69 142.45 Td (57% ) Tj ET Q q 0 0 0 rg BT 438.41 142.45 Td (of ) Tj ET Q q 0 0 0 rg BT 449.13 142.45 Td (the ) Tj ET Q q 0 0 0 rg BT 463.74 142.45 Td (average ) Tj ET Q q 0 0 0 rg BT 497.22 142.45 Td (loan ) Tj ET Q q 0 0 0 rg BT 516.83 142.45 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 554.22 142.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 130.45 Td ( ) Tj ET Q q 0 0 0 rg BT 72.88 130.45 Td (and ) Tj ET Q q 0 0 0 rg BT 90.19 130.45 Td (56% ) Tj ET Q q 0 0 0 rg BT 111.40 130.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.05 130.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.05 130.45 Td (. ) Tj ET Q q 0 0 0 rg BT 147.22 130.45 Td (The ) Tj ET Q q 0 0 0 rg BT 165.64 130.45 Td (growth ) Tj ET Q q 0 0 0 rg BT 196.85 130.45 Td (realized ) Tj ET Q q 0 0 0 rg BT 231.36 130.45 Td (in ) Tj ET Q q 0 0 0 rg BT 242.02 130.45 Td (these ) Tj ET Q q 0 0 0 rg BT 265.44 130.45 Td (categories ) Tj ET Q q 0 0 0 rg BT 308.85 130.45 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.39 130.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.39 130.45 Td ( ) Tj ET Q q 0 0 0 rg BT 346.26 130.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.58 130.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.58 130.45 Td ( ) Tj ET Q q 0 0 0 rg BT 386.45 130.45 Td (is ) Tj ET Q q 0 0 0 rg BT 396.00 130.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 436.09 130.45 Td (attributable ) Tj ET Q q 0 0 0 rg BT 484.50 130.45 Td (to ) Tj ET Q q 0 0 0 rg BT 495.15 130.45 Td (the ) Tj ET Q q 0 0 0 rg BT 510.25 130.45 Td (various ) Tj ET Q q 0 0 0 rg BT 542.56 130.45 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.45 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 100.27 118.45 Td (and ) Tj ET Q q 0 0 0 rg BT 117.21 118.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 157.47 118.45 Td (business ) Tj ET Q q 0 0 0 rg BT 193.86 118.45 Td (development ) Tj ET Q q 0 0 0 rg BT 248.01 118.45 Td (ef) Tj ET Q q 0 0 0 rg BT 255.60 118.45 Td (forts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.45 Td (Home ) Tj ET Q q 0 0 0 rg BT 76.85 97.45 Td (equity ) Tj ET Q q 0 0 0 rg BT 104.25 97.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 127.77 97.45 Td (averaged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.26 97.45 Td ($749.8 ) Tj ET Q q 0 0 0 rg BT 196.17 97.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.06 97.45 Td ( ) Tj ET Q q 0 0 0 rg BT 227.47 97.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.66 97.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.66 97.45 Td (, ) Tj ET Q q 0 0 0 rg BT 262.57 97.45 Td (and ) Tj ET Q q 0 0 0 rg BT 279.41 97.45 Td (increased ) Tj ET Q q 0 0 0 rg BT 319.58 97.45 Td ($34.6 ) Tj ET Q q 0 0 0 rg BT 344.48 97.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 378.28 97.45 Td (or ) Tj ET Q q 0 0 0 rg BT 389.02 97.45 Td (5%, ) Tj ET Q q 0 0 0 rg BT 407.26 97.45 Td (when ) Tj ET Q q 0 0 0 rg BT 431.33 97.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 473.16 97.45 Td (to ) Tj ET Q q 0 0 0 rg BT 483.35 97.45 Td (the ) Tj ET Q q 0 0 0 rg BT 497.98 97.45 Td (average ) Tj ET Q q 0 0 0 rg BT 531.47 97.45 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.00 85.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.00 85.45 Td (. ) Tj ET Q q 0 0 0 rg BT 84.71 85.45 Td (Home ) Tj ET Q q 0 0 0 rg BT 111.37 85.45 Td (equity ) Tj ET Q q 0 0 0 rg BT 138.58 85.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 161.91 85.45 Td (averaged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.21 85.45 Td ($715.2 ) Tj ET Q q 0 0 0 rg BT 229.93 85.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.82 85.45 Td ( ) Tj ET Q q 0 0 0 rg BT 261.04 85.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.04 85.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.04 85.45 Td (, ) Tj ET Q q 0 0 0 rg BT 295.76 85.45 Td (and ) Tj ET Q q 0 0 0 rg BT 312.41 85.45 Td (decreased ) Tj ET Q q 0 0 0 rg BT 354.05 85.45 Td ($38.0 ) Tj ET Q q 0 0 0 rg BT 378.76 85.45 Td (million, ) Tj ET Q q 0 0 0 rg BT 412.37 85.45 Td (or ) Tj ET Q q 0 0 0 rg BT 422.92 85.45 Td (5%, ) Tj ET Q q 0 0 0 rg BT 440.97 85.45 Td (when ) Tj ET Q q 0 0 0 rg BT 464.85 85.45 Td (compared ) Tj ET Q q 0 0 0 rg BT 506.49 85.45 Td (to ) Tj ET Q q 0 0 0 rg BT 516.49 85.45 Td (the ) Tj ET Q q 0 0 0 rg BT 530.92 85.45 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.45 Td (balance ) Tj ET Q q 0 0 0 rg BT 83.32 73.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.88 73.45 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.88 73.45 Td (. ) Tj ET Q q 0 0 0 rg BT 119.17 73.45 Td (Unused ) Tj ET Q q 0 0 0 rg BT 152.51 73.45 Td (commitments ) Tj ET Q q 0 0 0 rg BT 209.74 73.45 Td (on ) Tj ET Q q 0 0 0 rg BT 222.52 73.45 Td (home ) Tj ET Q q 0 0 0 rg BT 247.53 73.45 Td (equity ) Tj ET Q q 0 0 0 rg BT 275.31 73.45 Td (lines ) Tj ET Q q 0 0 0 rg BT 296.98 73.45 Td (of ) Tj ET Q q 0 0 0 rg BT 308.10 73.45 Td (credit ) Tj ET Q q 0 0 0 rg BT 333.65 73.45 Td (totaled ) Tj ET Q q 0 0 0 rg BT 363.65 73.45 Td ($855.1 ) Tj ET Q q 0 0 0 rg BT 393.94 73.45 Td (million ) Tj ET Q q 0 0 0 rg BT 425.62 73.45 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.62 73.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 494.49 73.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.49 73.45 Td ( ) Tj ET Q q 0 0 0 rg BT 517.28 73.45 Td (and ) Tj ET Q q 0 0 0 rg BT 534.50 73.45 Td ($744.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.45 Td (million ) Tj ET Q q 0 0 0 rg BT 80.99 61.45 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.31 61.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 148.50 61.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.50 61.45 Td (. ) Tj ET Q q 0 0 0 rg BT 172.95 61.45 Td (The ) Tj ET Q q 0 0 0 rg BT 190.60 61.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 231.59 61.45 Td (has ) Tj ET Q q 0 0 0 rg BT 247.02 61.45 Td (been ) Tj ET Q q 0 0 0 rg BT 268.00 61.45 Td (actively ) Tj ET Q q 0 0 0 rg BT 301.75 61.45 Td (managing ) Tj ET Q q 0 0 0 rg BT 343.29 61.45 Td (its ) Tj ET Q q 0 0 0 rg BT 354.84 61.45 Td (home ) Tj ET Q q 0 0 0 rg BT 379.15 61.45 Td (equity ) Tj ET Q q 0 0 0 rg BT 406.25 61.45 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 443.35 61.45 Td (to ) Tj ET Q q 0 0 0 rg BT 453.23 61.45 Td (ensure ) Tj ET Q q 0 0 0 rg BT 481.43 61.45 Td (that ) Tj ET Q q 0 0 0 rg BT 498.53 61.45 Td (diligent ) Tj ET Q q 0 0 0 rg BT 531.18 61.45 Td (pricing, ) Tj ET Q endstream endobj 133 0 obj <> endobj 134 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (66) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 88.96 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.27 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 129.68 742.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 184.21 742.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 223.17 742.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 260.47 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.12 742.10 Td (exist. ) Tj ET Q q 0 0 0 rg BT 295.17 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 313.58 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 355.33 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 371.53 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 387.18 742.10 Td (sacrificed ) Tj ET Q q 0 0 0 rg BT 428.91 742.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 451.21 742.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 481.86 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 493.05 742.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 524.25 742.10 Td (standards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (when ) Tj ET Q q 0 0 0 rg BT 74.16 730.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 120.54 730.10 Td (new ) Tj ET Q q 0 0 0 rg BT 139.70 730.10 Td (home ) Tj ET Q q 0 0 0 rg BT 164.42 730.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 191.91 730.10 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Residential ) Tj ET Q q 0 0 0 rg BT 97.31 709.10 Td (real ) Tj ET Q q 0 0 0 rg BT 114.62 709.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 139.70 709.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 163.13 709.10 Td (averaged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.54 709.10 Td ($899.0 ) Tj ET Q q 0 0 0 rg BT 231.36 709.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.25 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 262.58 709.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.68 709.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.68 709.10 Td (, ) Tj ET Q q 0 0 0 rg BT 297.50 709.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.26 709.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 354.33 709.10 Td ($153.4 ) Tj ET Q q 0 0 0 rg BT 384.16 709.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 417.87 709.10 Td (or ) Tj ET Q q 0 0 0 rg BT 428.52 709.10 Td (21%, ) Tj ET Q q 0 0 0 rg BT 451.67 709.10 Td (from ) Tj ET Q q 0 0 0 rg BT 473.43 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.97 709.10 Td (average ) Tj ET Q q 0 0 0 rg BT 521.38 709.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 554.23 709.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 697.10 Td (. ) Tj ET Q q 0 0 0 rg BT 74.50 697.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.83 697.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.83 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 109.33 697.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 152.98 697.10 Td (real ) Tj ET Q q 0 0 0 rg BT 169.97 697.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 194.74 697.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 217.84 697.10 Td (averaged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.93 697.10 Td ($745.6 ) Tj ET Q q 0 0 0 rg BT 285.43 697.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.32 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 318.82 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.26 697.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 376.68 697.10 Td ($27.1 ) Tj ET Q q 0 0 0 rg BT 401.18 697.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 434.57 697.10 Td (or ) Tj ET Q q 0 0 0 rg BT 444.90 697.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 462.73 697.10 Td (from ) Tj ET Q q 0 0 0 rg BT 484.17 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.39 697.10 Td (average ) Tj ET Q q 0 0 0 rg BT 531.48 697.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.70 685.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.70 685.10 Td (. ) Tj ET Q q 0 0 0 rg BT 85.91 685.10 Td (This ) Tj ET Q q 0 0 0 rg BT 106.61 685.10 Td (category ) Tj ET Q q 0 0 0 rg BT 143.95 685.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 180.19 685.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 220.88 685.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 244.91 685.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 276.91 685.10 Td (-sale. ) Tj ET Q q 0 0 0 rg BT 301.21 685.10 Td (By ) Tj ET Q q 0 0 0 rg BT 315.80 685.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 345.38 685.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 389.96 685.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 430.64 685.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 454.67 685.10 Td (into ) Tj ET Q q 0 0 0 rg BT 473.14 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.28 685.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 531.74 685.10 Td (market, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.99 673.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 106.65 673.10 Td (eliminates ) Tj ET Q q 0 0 0 rg BT 150.53 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.52 673.10 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 216.04 673.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 233.82 673.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 277.69 673.10 Td (with ) Tj ET Q q 0 0 0 rg BT 298.24 673.10 Td (these ) Tj ET Q q 0 0 0 rg BT 321.56 673.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 347.94 673.10 Td (as ) Tj ET Q q 0 0 0 rg BT 359.05 673.10 Td (they ) Tj ET Q q 0 0 0 rg BT 379.04 673.10 Td (are ) Tj ET Q q 0 0 0 rg BT 394.02 673.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 455.12 673.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 497.33 673.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 520.65 673.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 538.41 673.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.07 661.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 104.14 661.10 Td (a ) Tj ET Q q 0 0 0 rg BT 111.20 661.10 Td (source ) Tj ET Q q 0 0 0 rg BT 139.93 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.89 661.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 201.28 661.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 237.48 661.10 Td (A) Tj ET Q q 0 0 0 rg BT 243.96 661.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 273.23 661.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 313.63 661.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 337.36 661.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 369.37 661.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 390.88 661.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 431.26 661.10 Td (during ) Tj ET Q q 0 0 0 rg BT 460.00 661.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 482.63 661.10 Td (as ) Tj ET Q q 0 0 0 rg BT 493.59 661.10 Td (a ) Tj ET Q q 0 0 0 rg BT 500.66 661.10 Td (result ) Tj ET Q q 0 0 0 rg BT 525.50 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 536.46 661.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 96.38 649.10 Td (volumes ) Tj ET Q q 0 0 0 rg BT 132.77 649.10 Td (due ) Tj ET Q q 0 0 0 rg BT 149.71 649.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.99 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.70 649.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 204.41 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.24 649.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 240.51 649.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 261.89 649.10 Td (on ) Tj ET Q q 0 0 0 rg BT 274.39 649.10 Td (refinancing ) Tj ET Q q 0 0 0 rg BT 322.42 649.10 Td (activity) Tj ET Q q 0 0 0 rg BT 351.76 649.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.48 628.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 85.56 628.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 124.09 628.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 155.94 628.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 203.35 628.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.99 628.10 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 252.92 628.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.03 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.46 628.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.67 628.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.67 628.10 Td (, ) Tj ET Q q 0 0 0 rg BT 316.60 628.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.47 628.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 376.43 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 390.53 628.10 Td (31% ) Tj ET Q q 0 0 0 rg BT 411.29 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.05 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.69 628.10 Td (Company) Tj ET Q q 0 0 0 rg BT 478.36 628.10 Td (s ) Tj ET Q q 0 0 0 rg BT 484.68 628.10 Td (average ) Tj ET Q q 0 0 0 rg BT 518.20 628.10 Td (total ) Tj ET Q q 0 0 0 rg BT 538.40 628.10 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Premium ) Tj ET Q q 0 0 0 rg BT 88.84 616.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 120.44 616.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 167.59 616.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 197.55 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.06 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 214.67 616.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 264.05 616.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 301.22 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.84 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 324.45 616.10 Td (life ) Tj ET Q q 0 0 0 rg BT 339.96 616.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 379.63 616.10 Td (comprising ) Tj ET Q q 0 0 0 rg BT 426.80 616.10 Td (49% ) Tj ET Q q 0 0 0 rg BT 447.31 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.93 616.10 Td (51%, ) Tj ET Q q 0 0 0 rg BT 486.93 616.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 534.59 616.10 Td (, ) Tj ET Q q 0 0 0 rg BT 539.27 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 616.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (average ) Tj ET Q q 0 0 0 rg BT 84.23 604.10 Td (total ) Tj ET Q q 0 0 0 rg BT 105.16 604.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 138.84 604.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.65 604.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.65 604.10 Td (. ) Tj ET Q q 0 0 0 rg BT 179.30 604.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.79 604.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.79 604.10 Td (, ) Tj ET Q q 0 0 0 rg BT 216.44 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.80 604.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 282.15 604.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 320.30 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 337.89 604.10 Td (life ) Tj ET Q q 0 0 0 rg BT 354.36 604.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 392.51 604.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 437.32 604.10 Td (54% ) Tj ET Q q 0 0 0 rg BT 458.80 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.39 604.10 Td (46%, ) Tj ET Q q 0 0 0 rg BT 500.37 604.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 548.03 604.10 Td (, ) Tj ET Q q 0 0 0 rg BT 553.68 604.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 88.05 592.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 119.41 592.10 Td (receivables. ) Tj ET Q q 0 0 0 rg BT 168.83 592.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.10 592.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.10 592.10 Td (, ) Tj ET Q q 0 0 0 rg BT 203.54 592.10 Td (average ) Tj ET Q q 0 0 0 rg BT 236.57 592.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 274.62 592.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 305.99 592.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 352.90 592.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 392.60 592.10 Td ($571.6 ) Tj ET Q q 0 0 0 rg BT 422.04 592.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 455.38 592.10 Td (or ) Tj ET Q q 0 0 0 rg BT 465.65 592.10 Td (13%, ) Tj ET Q q 0 0 0 rg BT 488.42 592.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 529.79 592.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 592.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 592.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.35 580.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 80.35 580.10 Td (, ) Tj ET Q q 0 0 0 rg BT 84.86 580.10 Td (average ) Tj ET Q q 0 0 0 rg BT 117.96 580.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 156.08 580.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 187.52 580.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 234.51 580.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 274.28 580.10 Td ($454.9 ) Tj ET Q q 0 0 0 rg BT 303.79 580.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 337.20 580.10 Td (or ) Tj ET Q q 0 0 0 rg BT 347.54 580.10 Td (12%, ) Tj ET Q q 0 0 0 rg BT 370.39 580.10 Td (from ) Tj ET Q q 0 0 0 rg BT 391.84 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.08 580.10 Td (average ) Tj ET Q q 0 0 0 rg BT 439.18 580.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 471.72 580.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.07 580.10 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 501.58 580.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.70 580.10 Td ( ) Tj ET Q q 0 0 0 rg BT 529.71 580.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 580.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 580.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.45 568.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 104.10 568.10 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.11 568.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.11 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.01 568.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.35 568.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.35 568.10 Td ( ) Tj ET Q q 0 0 0 rg BT 196.25 568.10 Td (was ) Tj ET Q q 0 0 0 rg BT 214.70 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.82 568.10 Td (result ) Tj ET Q q 0 0 0 rg BT 254.94 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.17 568.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 308.50 568.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 359.17 568.10 Td (within ) Tj ET Q q 0 0 0 rg BT 387.63 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.75 568.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 440.64 568.10 Td (due ) Tj ET Q q 0 0 0 rg BT 457.98 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.66 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.78 568.10 Td (ef) Tj ET Q q 0 0 0 rg BT 491.37 568.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 521.47 568.10 Td (marketing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.76 556.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 109.73 556.10 Td (servicing. ) Tj ET Q q 0 0 0 rg BT 152.25 556.10 Td (Approximately ) Tj ET Q q 0 0 0 rg BT 217.11 556.10 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 238.93 556.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 269.36 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.01 556.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 322.43 556.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 356.17 556.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 405.46 556.10 Td (were ) Tj ET Q q 0 0 0 rg BT 429.20 556.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 474.06 556.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.16 556.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.16 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 510.48 556.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.22 556.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 110.26 544.10 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 130.26 544.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 158.87 544.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.15 544.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.15 544.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.31 523.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 98.96 523.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 138.14 523.10 Td (a ) Tj ET Q q 0 0 0 rg BT 145.12 523.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 167.10 523.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 197.41 523.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.28 523.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 244.69 523.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.67 523.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 303.09 523.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 326.74 523.10 Td (to ) Tj ET Q q 0 0 0 rg BT 337.06 523.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 384.04 523.10 Td (as ) Tj ET Q q 0 0 0 rg BT 394.91 523.10 Td (well ) Tj ET Q q 0 0 0 rg BT 414.67 523.10 Td (as ) Tj ET Q q 0 0 0 rg BT 425.54 523.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 458.62 523.10 Td (automobile ) Tj ET Q q 0 0 0 rg BT 506.15 523.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.13 523.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 75.86 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 92.54 511.10 Td (high-yielding ) Tj ET Q q 0 0 0 rg BT 148.67 511.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 192.57 511.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 229.81 511.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 273.13 511.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 313.15 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 323.17 511.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 351.52 511.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.55 511.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.01 511.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 419.35 511.10 Td (staf) Tj ET Q q 0 0 0 rg BT 433.61 511.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 451.97 511.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 486.99 511.10 Td (located ) Tj ET Q q 0 0 0 rg BT 518.11 511.10 Td (throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.08 499.10 Td (United ) Tj ET Q q 0 0 0 rg BT 93.16 499.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 121.41 499.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 164.39 499.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 187.36 499.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 226.42 499.10 Td (have ) Tj ET Q q 0 0 0 rg BT 247.17 499.10 Td (shorter ) Tj ET Q q 0 0 0 rg BT 276.80 499.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 300.88 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.18 499.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 344.59 499.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.89 499.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 396.63 499.10 Td (than ) Tj ET Q q 0 0 0 rg BT 415.71 499.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 455.34 499.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 478.31 499.10 Td (but ) Tj ET Q q 0 0 0 rg BT 492.96 499.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 532.02 499.10 Td (involve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (more ) Tj ET Q q 0 0 0 rg BT 72.21 487.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 96.63 487.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 113.29 487.10 Td (due ) Tj ET Q q 0 0 0 rg BT 129.39 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.83 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.71 487.10 Td (type ) Tj ET Q q 0 0 0 rg BT 171.58 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.68 487.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 214.33 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.32 487.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.19 487.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 279.18 487.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 329.09 487.10 Td (, ) Tj ET Q q 0 0 0 rg BT 333.25 487.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 376.56 487.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 413.21 487.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 455.95 487.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 495.37 487.10 Td (may ) Tj ET Q q 0 0 0 rg BT 514.25 487.10 Td (also ) Tj ET Q q 0 0 0 rg BT 532.02 487.10 Td (involve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 81.18 475.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 107.37 475.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 129.69 475.10 Td (than ) Tj ET Q q 0 0 0 rg BT 150.33 475.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 190.96 475.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 235.48 475.10 Td (with ) Tj ET Q q 0 0 0 rg BT 256.69 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.33 475.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 292.97 475.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 335.29 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.04 475.10 Td (more ) Tj ET Q q 0 0 0 rg BT 371.02 475.10 Td (traditional ) Tj ET Q q 0 0 0 rg BT 415.54 475.10 Td (community ) Tj ET Q q 0 0 0 rg BT 464.52 475.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 491.28 475.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 536.36 475.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 475.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (marketability ) Tj ET Q q 0 0 0 rg BT 105.82 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.65 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.36 463.10 Td (collateral.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Covered ) Tj ET Q q 0 0 0 rg BT 86.08 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 109.39 442.10 Td (averaged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.68 442.10 Td ($186.4 ) Tj ET Q q 0 0 0 rg BT 177.39 442.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.28 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 208.48 442.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.47 442.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.47 442.10 Td (, ) Tj ET Q q 0 0 0 rg BT 243.17 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.81 442.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 301.43 442.10 Td ($94.5 ) Tj ET Q q 0 0 0 rg BT 326.14 442.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 359.73 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 370.27 442.10 Td (34%, ) Tj ET Q q 0 0 0 rg BT 393.30 442.10 Td (when ) Tj ET Q q 0 0 0 rg BT 417.17 442.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 458.80 442.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.78 442.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.78 442.10 Td (. ) Tj ET Q q 0 0 0 rg BT 493.48 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.69 442.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.22 442.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.22 442.10 Td (, ) Tj ET Q q 0 0 0 rg BT 530.93 442.10 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 84.13 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 107.71 430.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.41 430.10 Td ($280.9 ) Tj ET Q q 0 0 0 rg BT 167.39 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.28 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 198.76 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.68 430.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 257.57 430.10 Td ($181.6 ) Tj ET Q q 0 0 0 rg BT 287.55 430.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 321.43 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 332.24 430.10 Td (39%, ) Tj ET Q q 0 0 0 rg BT 355.55 430.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.47 430.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.47 430.10 Td (. ) Tj ET Q q 0 0 0 rg BT 402.45 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.93 430.10 Td (Covered ) Tj ET Q q 0 0 0 rg BT 441.28 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 464.87 430.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 504.00 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 527.59 430.10 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (through ) Tj ET Q q 0 0 0 rg BT 82.84 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.78 418.10 Td (nine ) Tj ET Q q 0 0 0 rg BT 115.72 418.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 174.67 418.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 226.67 418.10 Td (all ) Tj ET Q q 0 0 0 rg BT 238.39 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.45 418.10 Td (which ) Tj ET Q q 0 0 0 rg BT 274.61 418.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 311.31 418.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 332.48 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.99 418.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 366.09 418.10 Td (These ) Tj ET Q q 0 0 0 rg BT 391.69 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 414.53 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 428.46 418.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 458.52 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.02 418.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 485.31 418.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 516.48 418.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.59 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.62 406.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 113.51 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 131.87 406.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 157.46 406.10 Td (has ) Tj ET Q q 0 0 0 rg BT 173.60 406.10 Td (agreed ) Tj ET Q q 0 0 0 rg BT 203.06 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.65 406.10 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 256.45 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.48 406.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 313.17 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 327.65 406.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 348.79 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.93 406.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 386.63 406.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 422.76 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 435.57 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.60 406.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 493.95 406.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 520.37 406.10 Td (foreclosed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (real ) Tj ET Q q 0 0 0 rg BT 67.71 394.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 95.71 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.87 394.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 142.80 394.10 Td (other ) Tj ET Q q 0 0 0 rg BT 166.08 394.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 192.14 394.10 Td (during ) Tj ET Q q 0 0 0 rg BT 220.97 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.92 394.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 279.18 394.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 304.13 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.18 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.13 394.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 348.42 394.10 Td (share ) Tj ET Q q 0 0 0 rg BT 372.25 394.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 422.81 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 441.09 394.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 482.70 394.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 515.42 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.36 394.10 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.96 382.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 107.71 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 118.23 382.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 155.41 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.94 382.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 203.10 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 214.17 382.10 Td (these ) Tj ET Q q 0 0 0 rg BT 237.47 382.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 274.64 382.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 298.49 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 313.44 382.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 333.41 382.10 Td (of) Tj ET Q q 0 0 0 rg BT 341.56 382.10 Td (f ) Tj ET Q q 0 0 0 rg BT 347.63 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.82 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 375.90 382.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 394.20 382.10 Td (sharing ) Tj ET Q q 0 0 0 rg BT 426.39 382.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 474.67 382.10 Td (expire. ) Tj ET Q q 0 0 0 rg BT 504.90 382.10 Td (See ) Tj ET Q q 0 0 0 rg BT 522.08 382.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 544.27 382.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 552.02 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 87.47 370.10 Td (Combinations ) Tj ET Q q 0 0 0 rg BT 145.49 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 159.05 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 165.40 370.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 208.97 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.21 370.10 Td (these ) Tj ET Q q 0 0 0 rg BT 241.66 370.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 293.84 370.10 Td (including ) Tj ET Q q 0 0 0 rg BT 333.52 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.64 370.10 Td (aggregation ) Tj ET Q q 0 0 0 rg BT 396.75 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.99 370.10 Td (these ) Tj ET Q q 0 0 0 rg BT 429.44 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 452.45 370.10 Td (by ) Tj ET Q q 0 0 0 rg BT 464.36 370.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 481.26 370.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 540.36 370.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 100.82 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.54 358.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 141.37 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.31 358.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 205.24 358.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 221.62 358.10 Td (value.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 87.89 337.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 141.74 337.10 Td (Assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.24 337.10 Td ( ) Tj ET Q q 0 0 0 rg BT 171.02 337.10 Td (Funds ) Tj ET Q q 0 0 0 rg BT 197.25 337.10 Td (that ) Tj ET Q q 0 0 0 rg BT 214.02 337.10 Td (are ) Tj ET Q q 0 0 0 rg BT 228.01 337.10 Td (not ) Tj ET Q q 0 0 0 rg BT 242.56 337.10 Td (utilized ) Tj ET Q q 0 0 0 rg BT 274.33 337.10 Td (for ) Tj ET Q q 0 0 0 rg BT 287.76 337.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 306.76 337.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 356.31 337.10 Td (are ) Tj ET Q q 0 0 0 rg BT 370.29 337.10 Td (used ) Tj ET Q q 0 0 0 rg BT 390.40 337.10 Td (to ) Tj ET Q q 0 0 0 rg BT 399.95 337.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 437.26 337.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 482.92 337.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 522.46 337.10 Td (and ) Tj ET Q q 0 0 0 rg BT 538.68 337.10 Td (short- ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (term ) Tj ET Q q 0 0 0 rg BT 70.42 325.10 Td (money ) Tj ET Q q 0 0 0 rg BT 99.74 325.10 Td (market ) Tj ET Q q 0 0 0 rg BT 129.60 325.10 Td (investments, ) Tj ET Q q 0 0 0 rg BT 181.97 325.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.85 325.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 207.84 325.10 Td (as ) Tj ET Q q 0 0 0 rg BT 218.26 325.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 248.12 325.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 272.44 325.10 Td (and ) Tj ET Q q 0 0 0 rg BT 288.97 325.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.85 325.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 335.94 325.10 Td (in ) Tj ET Q q 0 0 0 rg BT 345.82 325.10 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 410.67 325.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 445.54 325.10 Td (with ) Tj ET Q q 0 0 0 rg BT 465.42 325.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 492.88 325.10 Td (A) Tj ET Q q 0 0 0 rg BT 499.36 325.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 528.11 325.10 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.14 313.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 130.53 313.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 174.11 313.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.83 313.10 Td (16%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.16 313.10 Td ( ) Tj ET Q q 0 0 0 rg BT 210.21 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.60 313.10 Td (total ) Tj ET Q q 0 0 0 rg BT 242.42 313.10 Td (average ) Tj ET Q q 0 0 0 rg BT 276.56 313.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 309.60 313.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 335.99 313.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.82 313.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.82 313.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.37 313.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.37 313.10 Td ( ) Tj ET Q q 0 0 0 rg BT 395.43 313.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.92 313.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.92 313.10 Td (. ) Tj ET Q q 0 0 0 rg BT 437.80 313.10 Td (A) Tj ET Q q 0 0 0 rg BT 444.28 313.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 473.98 313.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 510.93 313.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.39 301.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 115.20 301.10 Td ($231.1 ) Tj ET Q q 0 0 0 rg BT 144.76 301.10 Td (million ) Tj ET Q q 0 0 0 rg BT 175.71 301.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.54 301.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.54 301.10 Td ( ) Tj ET Q q 0 0 0 rg BT 207.60 301.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 249.08 301.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.92 301.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.92 301.10 Td (, ) Tj ET Q q 0 0 0 rg BT 283.48 301.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.98 301.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 339.79 301.10 Td ( ) Tj ET Q q 0 0 0 rg BT 341.85 301.10 Td ($204.2 ) Tj ET Q q 0 0 0 rg BT 371.40 301.10 Td (million ) Tj ET Q q 0 0 0 rg BT 402.35 301.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.19 301.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.19 301.10 Td ( ) Tj ET Q q 0 0 0 rg BT 434.25 301.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 475.73 301.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.57 301.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.57 301.10 Td (. ) Tj ET Q q 0 0 0 rg BT 509.98 301.10 Td (The ) Tj ET Q q 0 0 0 rg BT 527.58 301.10 Td (balances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.83 289.10 Td (these ) Tj ET Q q 0 0 0 rg BT 81.88 289.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 106.72 289.10 Td (can ) Tj ET Q q 0 0 0 rg BT 122.10 289.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 158.58 289.10 Td (based ) Tj ET Q q 0 0 0 rg BT 182.85 289.10 Td (on ) Tj ET Q q 0 0 0 rg BT 194.35 289.10 Td (management) Tj ET Q q 0 0 0 rg BT 248.22 289.10 Td (s ) Tj ET Q q 0 0 0 rg BT 253.62 289.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 287.90 289.10 Td (ef) Tj ET Q q 0 0 0 rg BT 295.48 289.10 Td (fort ) Tj ET Q q 0 0 0 rg BT 311.43 289.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.71 289.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 353.30 289.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 388.70 289.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.64 289.10 Td (for ) Tj ET Q q 0 0 0 rg BT 417.80 289.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 438.74 289.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 471.36 289.10 Td (management ) Tj ET Q q 0 0 0 rg BT 523.95 289.10 Td (purposes.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.90 268.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 109.57 268.10 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.96 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 138.53 268.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 163.86 268.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 196.41 268.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 222.31 268.10 Td (include ) Tj ET Q q 0 0 0 rg BT 254.31 268.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 296.85 268.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 336.07 268.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 383.61 268.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.61 268.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 431.50 268.10 Td (account ) Tj ET Q q 0 0 0 rg BT 465.16 268.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 507.99 268.10 Td (In ) Tj ET Q q 0 0 0 rg BT 518.89 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.67 268.10 Td (normal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (course ) Tj ET Q q 0 0 0 rg BT 79.68 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.60 256.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 131.32 256.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 154.89 256.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 194.58 256.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 228.16 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.96 256.10 Td (execution, ) Tj ET Q q 0 0 0 rg BT 288.92 256.10 Td (settlement, ) Tj ET Q q 0 0 0 rg BT 336.10 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 354.13 256.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 395.47 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.39 256.10 Td (various ) Tj ET Q q 0 0 0 rg BT 440.41 256.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 481.76 256.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 535.35 256.10 Td (WHI) Tj ET Q q 0 0 0 rg BT 558.12 256.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 88.98 244.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 129.08 244.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 167.50 244.10 Td (are ) Tj ET Q q 0 0 0 rg BT 182.04 244.10 Td (transacted ) Tj ET Q q 0 0 0 rg BT 224.90 244.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.23 244.10 Td (either ) Tj ET Q q 0 0 0 rg BT 262.32 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 269.08 244.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 289.18 244.10 Td (or ) Tj ET Q q 0 0 0 rg BT 299.84 244.10 Td (mar) Tj ET Q q 0 0 0 rg BT 315.21 244.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 330.31 244.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 355.14 244.10 Td (In ) Tj ET Q q 0 0 0 rg BT 365.80 244.10 Td (mar) Tj ET Q q 0 0 0 rg BT 381.16 244.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 396.27 244.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 448.86 244.10 Td (under ) Tj ET Q q 0 0 0 rg BT 473.96 244.10 Td (an ) Tj ET Q q 0 0 0 rg BT 485.73 244.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 529.69 244.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.80 244.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (out-sourced ) Tj ET Q q 0 0 0 rg BT 100.24 232.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 141.04 232.10 Td (firm, ) Tj ET Q q 0 0 0 rg BT 163.80 232.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 189.60 232.10 Td (is ) Tj ET Q q 0 0 0 rg BT 199.30 232.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 238.43 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.25 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.50 232.10 Td (customer) Tj ET Q q 0 0 0 rg BT 300.75 232.10 Td (, ) Tj ET Q q 0 0 0 rg BT 306.29 232.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 337.65 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.47 232.10 Td (various ) Tj ET Q q 0 0 0 rg BT 380.94 232.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 425.07 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.54 232.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 476.12 232.10 Td (mar) Tj ET Q q 0 0 0 rg BT 491.49 232.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 507.30 232.10 Td (requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 105.73 220.10 Td (by ) Tj ET Q q 0 0 0 rg BT 117.61 220.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 137.26 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.58 220.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 193.22 220.10 Td (in ) Tj ET Q q 0 0 0 rg BT 202.88 220.10 Td (customer) Tj ET Q q 0 0 0 rg BT 239.91 220.10 Td () Tj ET Q q 0 0 0 rg BT 242.69 220.10 Td (s ) Tj ET Q q 0 0 0 rg BT 248.46 220.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 287.82 220.10 Td (In ) Tj ET Q q 0 0 0 rg BT 298.03 220.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 343.78 220.10 Td (with ) Tj ET Q q 0 0 0 rg BT 363.44 220.10 Td (these ) Tj ET Q q 0 0 0 rg BT 385.87 220.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 426.21 220.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 448.08 220.10 Td (executes ) Tj ET Q q 0 0 0 rg BT 484.39 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 500.70 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.80 220.10 Td (out-sourced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (firm ) Tj ET Q q 0 0 0 rg BT 69.89 208.10 Td (clears ) Tj ET Q q 0 0 0 rg BT 95.88 208.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 135.21 208.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 185.64 208.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 218.86 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.31 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.20 208.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 262.42 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.43 208.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 313.86 208.10 Td (not ) Tj ET Q q 0 0 0 rg BT 329.31 208.10 Td (yet ) Tj ET Q q 0 0 0 rg BT 344.20 208.10 Td (purchased, ) Tj ET Q q 0 0 0 rg BT 389.91 208.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 443.14 208.10 Td (all ) Tj ET Q q 0 0 0 rg BT 455.81 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.81 208.10 Td (which ) Tj ET Q q 0 0 0 rg BT 493.92 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 508.80 208.10 Td (transacted ) Tj ET Q q 0 0 0 rg BT 552.01 208.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (a ) Tj ET Q q 0 0 0 rg BT 55.99 196.10 Td (mar) Tj ET Q q 0 0 0 rg BT 71.36 196.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 85.69 196.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 107.25 196.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 137.13 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.46 196.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 188.56 196.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 227.87 196.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 276.36 196.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 297.91 196.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 347.23 196.10 Td (may ) Tj ET Q q 0 0 0 rg BT 366.00 196.10 Td (expose ) Tj ET Q q 0 0 0 rg BT 395.21 196.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 416.76 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 426.09 196.10 Td (of) Tj ET Q q 0 0 0 rg BT 434.24 196.10 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 496.86 196.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 515.92 196.10 Td (particularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.32 184.10 Td (volatile ) Tj ET Q q 0 0 0 rg BT 92.85 184.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 123.72 184.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 160.42 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.74 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.50 184.10 Td (event ) Tj ET Q q 0 0 0 rg BT 209.70 184.10 Td (mar) Tj ET Q q 0 0 0 rg BT 225.07 184.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 240.39 184.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 295.13 184.10 Td (are ) Tj ET Q q 0 0 0 rg BT 309.88 184.10 Td (not ) Tj ET Q q 0 0 0 rg BT 325.20 184.10 Td (suf) Tj ET Q q 0 0 0 rg BT 337.25 184.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 365.33 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.65 184.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 397.08 184.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 421.83 184.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 448.27 184.10 Td (that ) Tj ET Q q 0 0 0 rg BT 465.80 184.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 508.89 184.10 Td (may ) Tj ET Q q 0 0 0 rg BT 528.65 184.10 Td (incur) Tj ET Q q 0 0 0 rg BT 548.65 184.10 Td (. ) Tj ET Q q 0 0 0 rg BT 553.69 184.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.28 172.10 Td (event ) Tj ET Q q 0 0 0 rg BT 87.99 172.10 Td (a ) Tj ET Q q 0 0 0 rg BT 94.49 172.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 133.21 172.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 152.49 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 162.32 172.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 190.49 172.10 Td (its ) Tj ET Q q 0 0 0 rg BT 202.00 172.10 Td (obligations, ) Tj ET Q q 0 0 0 rg BT 250.86 172.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 272.91 172.10 Td (under ) Tj ET Q q 0 0 0 rg BT 297.74 172.10 Td (an ) Tj ET Q q 0 0 0 rg BT 309.24 172.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 352.94 172.10 Td (with ) Tj ET Q q 0 0 0 rg BT 372.78 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.05 172.10 Td (out-sourced ) Tj ET Q q 0 0 0 rg BT 436.32 172.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 476.15 172.10 Td (firm, ) Tj ET Q q 0 0 0 rg BT 497.92 172.10 Td (may ) Tj ET Q q 0 0 0 rg BT 517.20 172.10 Td (be ) Tj ET Q q 0 0 0 rg BT 528.70 172.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.07 160.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 97.90 160.10 Td (or ) Tj ET Q q 0 0 0 rg BT 108.52 160.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 124.70 160.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 161.98 160.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 210.93 160.10 Td (at ) Tj ET Q q 0 0 0 rg BT 220.44 160.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 263.28 160.10 Td (market ) Tj ET Q q 0 0 0 rg BT 293.33 160.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 319.50 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 329.57 160.10 Td (fulfill ) Tj ET Q q 0 0 0 rg BT 354.64 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.15 160.10 Td (customer's ) Tj ET Q q 0 0 0 rg BT 413.79 160.10 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 462.86 160.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 485.14 160.10 Td (seeks ) Tj ET Q q 0 0 0 rg BT 509.09 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.17 160.10 Td (control ) Tj ET Q q 0 0 0 rg BT 549.78 160.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 71.96 148.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 116.13 148.10 Td (with ) Tj ET Q q 0 0 0 rg BT 136.98 148.10 Td (its ) Tj ET Q q 0 0 0 rg BT 149.50 148.10 Td (customers) Tj ET Q q 0 0 0 rg BT 192.64 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.71 148.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 234.88 148.10 Td (by ) Tj ET Q q 0 0 0 rg BT 247.95 148.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 287.68 148.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 331.30 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.15 148.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 380.22 148.10 Td (mar) Tj ET Q q 0 0 0 rg BT 395.58 148.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 411.43 148.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 451.70 148.10 Td (in ) Tj ET Q q 0 0 0 rg BT 462.55 148.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 511.72 148.10 Td (with ) Tj ET Q q 0 0 0 rg BT 532.57 148.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 92.86 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.07 136.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 141.38 136.10 Td (guidelines. ) Tj ET Q q 0 0 0 rg BT 186.62 136.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 208.38 136.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 245.70 136.10 Td (required ) Tj ET Q q 0 0 0 rg BT 280.79 136.10 Td (mar) Tj ET Q q 0 0 0 rg BT 296.15 136.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 310.70 136.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 335.79 136.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 357.55 136.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 376.26 136.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 412.46 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.01 136.10 Td (such ) Tj ET Q q 0 0 0 rg BT 442.11 136.10 Td (guidelines, ) Tj ET Q q 0 0 0 rg BT 487.48 136.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 521.45 136.10 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 124.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 91.67 124.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 134.16 124.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 173.85 124.10 Td (or ) Tj ET Q q 0 0 0 rg BT 184.68 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.96 124.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 224.11 124.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 262.72 124.10 Td (when ) Tj ET Q q 0 0 0 rg BT 286.88 124.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 325.10 124.10 Td (.) Tj ET Q endstream endobj 135 0 obj <> endobj 136 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (67) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Deposits and Other) Tj ET Q q 0 0 0 rg BT 132.60 742.25 Td ( Funding Sour) Tj ET Q q 0 0 0 rg BT 194.12 742.25 Td (ces) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 721.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 74.34 721.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 111.06 721.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.21 721.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 182.23 721.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.23 721.25 Td (, ) Tj ET Q q 0 0 0 rg BT 208.67 721.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.03 721.25 Td ($18.6 ) Tj ET Q q 0 0 0 rg BT 258.47 721.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.58 721.25 Td (, ) Tj ET Q q 0 0 0 rg BT 291.02 721.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 336.05 721.25 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 357.49 721.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 390.04 721.25 Td (or ) Tj ET Q q 0 0 0 rg BT 402.30 721.25 Td (14%, ) Tj ET Q q 0 0 0 rg BT 427.07 721.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 470.43 721.25 Td (to ) Tj ET Q q 0 0 0 rg BT 482.14 721.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.30 721.25 Td ($16.3 ) Tj ET Q q 0 0 0 rg BT 524.73 721.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.85 721.25 Td ( ) Tj ET Q q 0 0 0 rg BT 554.78 721.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.06 709.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.06 709.25 Td (. ) Tj ET Q q 0 0 0 rg BT 132.10 709.25 Td (A) Tj ET Q q 0 0 0 rg BT 138.58 709.25 Td (verage ) Tj ET Q q 0 0 0 rg BT 167.20 709.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 198.07 709.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 234.47 709.25 Td (in ) Tj ET Q q 0 0 0 rg BT 244.22 709.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 266.20 709.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.60 709.25 Td ($17.4 ) Tj ET Q q 0 0 0 rg BT 312.08 709.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.19 709.25 Td (, ) Tj ET Q q 0 0 0 rg BT 342.67 709.25 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 382.96 709.25 Td (an ) Tj ET Q q 0 0 0 rg BT 394.37 709.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 429.10 709.25 Td (of ) Tj ET Q q 0 0 0 rg BT 439.41 709.25 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 458.88 709.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 489.47 709.25 Td (or ) Tj ET Q q 0 0 0 rg BT 499.78 709.25 Td (12%, ) Tj ET Q q 0 0 0 rg BT 522.59 709.25 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 697.25 Td (average ) Tj ET Q q 0 0 0 rg BT 108.58 697.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 145.50 697.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.78 697.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.78 697.25 Td (. ) Tj ET Q q 0 0 0 rg BT 180.78 697.25 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.61 697.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.61 697.25 Td (, ) Tj ET Q q 0 0 0 rg BT 236.61 697.25 Td (average ) Tj ET Q q 0 0 0 rg BT 270.20 697.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 305.47 697.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 345.73 697.25 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 365.73 697.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 396.84 697.25 Td (or ) Tj ET Q q 0 0 0 rg BT 407.67 697.25 Td (8%, ) Tj ET Q q 0 0 0 rg BT 426.00 697.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 467.92 697.25 Td (to ) Tj ET Q q 0 0 0 rg BT 478.20 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.92 697.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 514.86 697.25 Td (year) Tj ET Q q 0 0 0 rg BT 531.51 697.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.31 676.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 103.83 676.25 Td (in ) Tj ET Q q 0 0 0 rg BT 114.38 676.25 Td (year ) Tj ET Q q 0 0 0 rg BT 134.35 676.25 Td (end ) Tj ET Q q 0 0 0 rg BT 151.56 676.25 Td (and ) Tj ET Q q 0 0 0 rg BT 168.76 676.25 Td (average ) Tj ET Q q 0 0 0 rg BT 202.61 676.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 238.15 676.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.70 676.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.70 676.25 Td ( ) Tj ET Q q 0 0 0 rg BT 271.46 676.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.00 676.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.00 676.25 Td ( ) Tj ET Q q 0 0 0 rg BT 314.77 676.25 Td (is ) Tj ET Q q 0 0 0 rg BT 324.20 676.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 364.18 676.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 412.48 676.25 Td (to ) Tj ET Q q 0 0 0 rg BT 423.03 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.01 676.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 485.36 676.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 532.00 676.25 Td (activity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (as ) Tj ET Q q 0 0 0 rg BT 61.16 664.25 Td (well ) Tj ET Q q 0 0 0 rg BT 81.22 664.25 Td (as ) Tj ET Q q 0 0 0 rg BT 92.38 664.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 135.21 664.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 170.82 664.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 214.75 664.25 Td (with ) Tj ET Q q 0 0 0 rg BT 235.36 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 250.41 664.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 291.00 664.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 341.03 664.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 373.86 664.25 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 430.09 664.25 Td (The ) Tj ET Q q 0 0 0 rg BT 448.47 664.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 490.20 664.25 Td (continues ) Tj ET Q q 0 0 0 rg BT 531.35 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 541.97 664.25 Td (see ) Tj ET Q q 0 0 0 rg BT 557.57 664.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 92.46 652.25 Td (shift ) Tj ET Q q 0 0 0 rg BT 113.27 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 124.08 652.25 Td (its ) Tj ET Q q 0 0 0 rg BT 136.57 652.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 168.49 652.25 Td (mix ) Tj ET Q q 0 0 0 rg BT 187.08 652.25 Td (as ) Tj ET Q q 0 0 0 rg BT 198.45 652.25 Td (average ) Tj ET Q q 0 0 0 rg BT 232.57 652.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 283.37 652.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 316.39 652.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 352.21 652.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 393.00 652.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 413.53 652.25 Td (billion, ) Tj ET Q q 0 0 0 rg BT 445.18 652.25 Td (or ) Tj ET Q q 0 0 0 rg BT 456.55 652.25 Td (35% ) Tj ET Q q 0 0 0 rg BT 477.91 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 488.73 652.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 511.76 652.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.22 652.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 75.00 640.25 Td (with ) Tj ET Q q 0 0 0 rg BT 95.28 640.25 Td (period ) Tj ET Q q 0 0 0 rg BT 123.33 640.25 Td (end ) Tj ET Q q 0 0 0 rg BT 140.26 640.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 177.19 640.25 Td (ending ) Tj ET Q q 0 0 0 rg BT 206.90 640.25 Td (at ) Tj ET Q q 0 0 0 rg BT 216.62 640.25 Td (26% ) Tj ET Q q 0 0 0 rg BT 237.45 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 248.28 640.25 Td (total ) Tj ET Q q 0 0 0 rg BT 268.55 640.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 303.83 640.25 Td (at ) Tj ET Q q 0 0 0 rg BT 313.55 640.25 Td (December ) Tj ET Q q 0 0 0 rg BT 357.13 640.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 372.13 640.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 397.13 640.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 439.06 640.25 Td (to ) Tj ET Q q 0 0 0 rg BT 449.34 640.25 Td (22% ) Tj ET Q q 0 0 0 rg BT 470.17 640.25 Td (at ) Tj ET Q q 0 0 0 rg BT 479.88 640.25 Td (December ) Tj ET Q q 0 0 0 rg BT 523.47 640.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 538.47 640.25 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 619.25 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 619.25 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 619.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 166.64 619.25 Td (the ) Tj ET Q q 0 0 0 rg BT 181.35 619.25 Td (composition ) Tj ET Q q 0 0 0 rg BT 233.30 619.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.13 619.25 Td (average ) Tj ET Q q 0 0 0 rg BT 277.71 619.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 312.99 619.25 Td (by ) Tj ET Q q 0 0 0 rg BT 325.49 619.25 Td (product ) Tj ET Q q 0 0 0 rg BT 358.54 619.25 Td (category ) Tj ET Q q 0 0 0 rg BT 395.46 619.25 Td (for ) Tj ET Q q 0 0 0 rg BT 409.62 619.25 Td (each ) Tj ET Q q 0 0 0 rg BT 430.43 619.25 Td (of ) Tj ET Q q 0 0 0 rg BT 441.26 619.25 Td (the ) Tj ET Q q 0 0 0 rg BT 455.98 619.25 Td (last ) Tj ET Q q 0 0 0 rg BT 472.37 619.25 Td (three ) Tj ET Q q 0 0 0 rg BT 494.85 619.25 Td (years:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 608.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 561.95 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 561.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 561.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 561.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 561.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 561.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 561.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 561.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 561.95 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 561.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 561.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 561.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 561.95 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 533.95 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 533.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 533.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 533.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 533.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 533.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 533.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 533.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 533.95 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 533.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 533.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 533.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 533.95 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 505.95 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 505.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 505.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 505.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 505.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 505.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 505.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 505.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 505.95 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 505.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 505.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 505.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 505.95 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 477.95 190.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 477.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 477.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 477.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 477.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 477.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 477.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 477.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 477.95 35.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 477.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 477.95 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 477.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 477.95 35.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 597.95 m 240.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 597.95 m 244.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 597.95 m 306.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 585.95 m 306.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 597.95 m 310.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 585.95 m 310.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 597.95 m 352.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 585.95 m 352.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 597.95 m 356.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 585.95 m 356.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 597.95 m 418.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 585.95 m 418.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 597.95 m 422.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 585.95 m 422.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 597.95 m 457.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 585.95 m 457.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 597.95 m 461.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 585.95 m 461.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 597.95 m 523.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 585.95 m 523.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 597.95 m 527.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 585.95 m 527.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 597.95 m 562.5 597.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 585.95 m 562.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 585.95 m 306.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 573.95 m 306.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 573.95 m 310.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 573.95 m 352.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 573.95 m 356.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 585.95 m 418.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 573.95 m 418.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 573.95 m 422.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 573.95 m 457.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 573.95 m 461.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 585.95 m 523.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 573.95 m 523.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 573.95 m 527.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 573.95 m 562.5 573.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 561.95 m 240.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 561.95 m 244.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 561.95 m 306.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 561.95 m 310.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 561.95 m 352.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 561.95 m 356.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 561.95 m 418.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 561.95 m 422.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 561.95 m 457.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 561.95 m 461.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 561.95 m 523.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 561.95 m 527.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 561.95 m 562.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 561.95 m 418.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 561.95 m 523.5 561.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 463.95 m 240.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 463.95 m 244.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 477.95 m 306.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 463.95 m 306.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 477.95 m 310.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 463.95 m 310.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 477.95 m 352.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 463.95 m 352.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 477.95 m 356.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 463.95 m 356.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 477.95 m 418.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 463.95 m 418.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 477.95 m 422.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 463.95 m 422.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 477.95 m 457.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 463.95 m 457.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 477.95 m 461.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 463.95 m 461.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 477.95 m 523.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 463.95 m 523.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 477.95 m 527.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 463.95 m 527.5 463.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 477.95 m 562.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 463.95 m 562.5 463.95 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 589.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 357.05 590.03 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 577.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.00 578.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.50 577.90 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.50 577.90 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 565.90 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 261.40 566.03 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 317.95 566.03 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.10 565.90 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.50 565.90 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.10 565.90 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.50 565.90 Td (Percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 552.52 Td (Non-interest bearing deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 247.00 552.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 552.63 Td (4,144,378) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.00 552.63 Td (24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.00 552.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 552.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 552.52 Td (3,062,338) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.60 552.52 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 552.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.00 552.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 552.52 Td (2,487,761) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.60 552.52 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 552.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 538.52 Td (NOW and interest bearing demand deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 538.63 Td (2,246,451) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.00 538.63 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 538.52 Td (2,028,485) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.60 538.52 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 538.52 Td (2,049,573) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.60 538.52 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 524.52 Td (Wealth management deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 524.63 Td (1,456,289) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 524.63 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 524.52 Td (1,227,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 524.52 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.15 524.52 Td (987,885) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 524.52 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 510.52 Td (Money market accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 510.63 Td (3,888,781) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.00 510.63 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 510.52 Td (3,575,605) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.60 510.52 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 510.52 Td (3,048,045) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.60 510.52 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 496.52 Td (Savings accounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 496.63 Td (1,610,603) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 496.63 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 496.52 Td (1,453,559) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 496.52 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 496.52 Td (1,300,681) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 496.52 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 482.52 Td (Time certificates of deposit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.65 482.63 Td (4,069,180) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.00 482.63 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 482.52 Td (4,185,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.60 482.52 Td (27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 482.52 Td (4,460,670) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.60 482.52 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 468.52 Td (Total average deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 247.00 468.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.60 468.63 Td (17,415,682) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.00 468.63 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.00 468.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 468.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.60 468.52 Td (15,532,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.60 468.52 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 468.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.00 468.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.60 468.52 Td (14,334,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.60 468.52 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 468.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 443.45 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 443.45 Td (ealth ) Tj ET Q q 0 0 0 rg BT 80.27 443.45 Td (management ) Tj ET Q q 0 0 0 rg BT 133.55 443.45 Td (deposits ) Tj ET Q q 0 0 0 rg BT 168.52 443.45 Td (are ) Tj ET Q q 0 0 0 rg BT 182.92 443.45 Td (funds ) Tj ET Q q 0 0 0 rg BT 207.34 443.45 Td (from ) Tj ET Q q 0 0 0 rg BT 228.97 443.45 Td (the ) Tj ET Q q 0 0 0 rg BT 243.39 443.45 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 285.56 443.45 Td (customers ) Tj ET Q q 0 0 0 rg BT 328.30 443.45 Td (of ) Tj ET Q q 0 0 0 rg BT 338.66 443.45 Td (WHI, ) Tj ET Q q 0 0 0 rg BT 363.35 443.45 Td (the ) Tj ET Q q 0 0 0 rg BT 377.76 443.45 Td (trust ) Tj ET Q q 0 0 0 rg BT 397.73 443.45 Td (and ) Tj ET Q q 0 0 0 rg BT 414.37 443.45 Td (asset ) Tj ET Q q 0 0 0 rg BT 436.00 443.45 Td (management ) Tj ET Q q 0 0 0 rg BT 489.28 443.45 Td (customers ) Tj ET Q q 0 0 0 rg BT 532.03 443.45 Td (of ) Tj ET Q q 0 0 0 rg BT 542.55 443.45 Td (CTC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 431.45 Td (and ) Tj ET Q q 0 0 0 rg BT 68.37 431.45 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 112.28 431.45 Td (customers ) Tj ET Q q 0 0 0 rg BT 156.76 431.45 Td (from ) Tj ET Q q 0 0 0 rg BT 180.13 431.45 Td (unaf) Tj ET Q q 0 0 0 rg BT 197.72 431.45 Td (filiated ) Tj ET Q q 0 0 0 rg BT 229.97 431.45 Td (companies ) Tj ET Q q 0 0 0 rg BT 276.66 431.45 Td (which ) Tj ET Q q 0 0 0 rg BT 305.03 431.45 Td (have ) Tj ET Q q 0 0 0 rg BT 327.84 431.45 Td (been ) Tj ET Q q 0 0 0 rg BT 350.65 431.45 Td (placed ) Tj ET Q q 0 0 0 rg BT 380.68 431.45 Td (into ) Tj ET Q q 0 0 0 rg BT 400.17 431.45 Td (deposit ) Tj ET Q q 0 0 0 rg BT 432.99 431.45 Td (accounts ) Tj ET Q q 0 0 0 rg BT 471.90 431.45 Td (of ) Tj ET Q q 0 0 0 rg BT 484.17 431.45 Td (the ) Tj ET Q q 0 0 0 rg BT 500.31 431.45 Td (banks ) Tj ET Q q 0 0 0 rg BT 527.58 431.45 Td (\(wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 419.45 Td (management ) Tj ET Q q 0 0 0 rg BT 103.03 419.45 Td (deposits ) Tj ET Q q 0 0 0 rg BT 142.20 419.45 Td (in ) Tj ET Q q 0 0 0 rg BT 151.92 419.45 Td (table ) Tj ET Q q 0 0 0 rg BT 173.30 419.45 Td (above\). ) Tj ET Q q 0 0 0 rg BT 204.81 419.45 Td (W) Tj ET Q q 0 0 0 rg BT 213.45 419.45 Td (ealth ) Tj ET Q q 0 0 0 rg BT 234.83 419.45 Td (management ) Tj ET Q q 0 0 0 rg BT 287.86 419.45 Td (deposits ) Tj ET Q q 0 0 0 rg BT 322.59 419.45 Td (consist ) Tj ET Q q 0 0 0 rg BT 352.31 419.45 Td (primarily ) Tj ET Q q 0 0 0 rg BT 391.47 419.45 Td (of ) Tj ET Q q 0 0 0 rg BT 401.75 419.45 Td (money ) Tj ET Q q 0 0 0 rg BT 430.91 419.45 Td (market ) Tj ET Q q 0 0 0 rg BT 460.62 419.45 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 500.05 419.45 Td (Consistent ) Tj ET Q q 0 0 0 rg BT 544.22 419.45 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 407.45 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 95.04 407.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 126.77 407.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 144.04 407.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 161.33 407.45 Td (parameters, ) Tj ET Q q 0 0 0 rg BT 209.99 407.45 Td (these ) Tj ET Q q 0 0 0 rg BT 232.82 407.45 Td (funds ) Tj ET Q q 0 0 0 rg BT 257.33 407.45 Td (have ) Tj ET Q q 0 0 0 rg BT 278.50 407.45 Td (generally ) Tj ET Q q 0 0 0 rg BT 317.99 407.45 Td (been ) Tj ET Q q 0 0 0 rg BT 339.16 407.45 Td (invested ) Tj ET Q q 0 0 0 rg BT 374.78 407.45 Td (in ) Tj ET Q q 0 0 0 rg BT 384.84 407.45 Td (loan ) Tj ET Q q 0 0 0 rg BT 404.35 407.45 Td (production ) Tj ET Q q 0 0 0 rg BT 449.97 407.45 Td (of ) Tj ET Q q 0 0 0 rg BT 460.59 407.45 Td (the ) Tj ET Q q 0 0 0 rg BT 475.09 407.45 Td (banks ) Tj ET Q q 0 0 0 rg BT 500.71 407.45 Td (as ) Tj ET Q q 0 0 0 rg BT 511.33 407.45 Td (well ) Tj ET Q q 0 0 0 rg BT 530.84 407.45 Td (as ) Tj ET Q q 0 0 0 rg BT 541.46 407.45 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 395.45 Td (investments ) Tj ET Q q 0 0 0 rg BT 100.27 395.45 Td (suitable ) Tj ET Q q 0 0 0 rg BT 133.88 395.45 Td (for ) Tj ET Q q 0 0 0 rg BT 148.04 395.45 Td (banks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.45 Td (The ) Tj ET Q q 0 0 0 rg BT 68.72 374.45 Td (following ) Tj ET Q q 0 0 0 rg BT 110.77 374.45 Td (table ) Tj ET Q q 0 0 0 rg BT 133.38 374.45 Td (presents ) Tj ET Q q 0 0 0 rg BT 169.32 374.45 Td (average ) Tj ET Q q 0 0 0 rg BT 203.57 374.45 Td (deposit ) Tj ET Q q 0 0 0 rg BT 235.63 374.45 Td (balances ) Tj ET Q q 0 0 0 rg BT 273.22 374.45 Td (for ) Tj ET Q q 0 0 0 rg BT 288.05 374.45 Td (each ) Tj ET Q q 0 0 0 rg BT 309.54 374.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 332.15 374.45 Td (and ) Tj ET Q q 0 0 0 rg BT 349.76 374.45 Td (the ) Tj ET Q q 0 0 0 rg BT 365.14 374.45 Td (relative ) Tj ET Q q 0 0 0 rg BT 398.30 374.45 Td (percentage ) Tj ET Q q 0 0 0 rg BT 444.77 374.45 Td (of ) Tj ET Q q 0 0 0 rg BT 456.27 374.45 Td (total ) Tj ET Q q 0 0 0 rg BT 477.21 374.45 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 530.92 374.45 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.45 Td (deposits ) Tj ET Q q 0 0 0 rg BT 85.28 362.45 Td (held ) Tj ET Q q 0 0 0 rg BT 105.00 362.45 Td (by ) Tj ET Q q 0 0 0 rg BT 117.50 362.45 Td (each ) Tj ET Q q 0 0 0 rg BT 138.31 362.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 160.25 362.45 Td (during ) Tj ET Q q 0 0 0 rg BT 188.86 362.45 Td (each ) Tj ET Q q 0 0 0 rg BT 209.67 362.45 Td (of ) Tj ET Q q 0 0 0 rg BT 220.50 362.45 Td (the ) Tj ET Q q 0 0 0 rg BT 235.22 362.45 Td (past ) Tj ET Q q 0 0 0 rg BT 253.83 362.45 Td (three ) Tj ET Q q 0 0 0 rg BT 276.31 362.45 Td (years:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 351.65 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 305.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 305.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 305.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 305.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 305.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 305.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 305.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 305.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 305.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 305.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 305.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 305.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 305.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 277.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 277.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 277.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 277.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 277.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 277.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 277.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 277.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 277.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 277.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 277.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 277.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 277.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 249.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 249.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 249.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 249.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 249.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 249.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 249.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 249.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 249.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 249.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 249.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 249.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 249.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 221.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 221.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 221.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 221.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 221.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 221.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 221.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 221.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 221.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 221.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 221.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 221.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 221.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 193.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 193.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 193.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 193.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 193.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 193.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 193.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 193.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 193.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 193.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 193.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 193.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 193.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 165.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 165.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 165.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 165.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 165.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 165.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 165.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 165.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 165.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 165.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 165.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 165.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 165.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 137.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 137.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 137.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 137.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 137.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 137.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 137.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 137.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 137.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 137.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 137.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 137.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 137.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 109.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 109.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 109.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 109.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 109.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 109.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 109.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 109.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 109.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 109.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 109.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 109.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 109.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 81.15 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 81.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 81.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 81.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 81.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 81.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 81.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 81.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 81.15 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 81.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 81.15 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 81.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 81.15 49.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 341.15 m 210.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 341.15 m 214.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 341.15 m 274.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 329.15 m 274.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 341.15 m 278.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 329.15 m 278.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 341.15 m 327.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 329.15 m 327.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 341.15 m 331.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 329.15 m 331.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 341.15 m 391.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 329.15 m 391.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 341.15 m 395.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 329.15 m 395.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 341.15 m 444.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 329.15 m 444.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 341.15 m 448.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 329.15 m 448.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 341.15 m 508.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 329.15 m 508.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 341.15 m 512.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 329.15 m 512.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 341.15 m 561.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 329.15 m 561.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 329.15 m 274.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 329.15 m 278.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 329.15 m 327.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 329.15 m 331.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 329.15 m 391.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 329.15 m 395.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 329.15 m 444.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 329.15 m 448.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 329.15 m 508.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 329.15 m 512.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 329.15 m 561.5 329.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 305.15 m 210.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 305.15 m 214.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 317.15 m 274.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 305.15 m 274.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 317.15 m 278.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 305.15 m 278.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 317.15 m 327.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 305.15 m 327.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 317.15 m 331.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 305.15 m 331.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 317.15 m 391.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 305.15 m 391.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 317.15 m 395.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 305.15 m 395.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 317.15 m 444.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 305.15 m 444.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 317.15 m 448.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 305.15 m 448.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 317.15 m 508.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 305.15 m 508.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 317.15 m 512.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 305.15 m 512.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 317.15 m 561.5 317.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 305.15 m 561.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 305.15 m 210.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 305.15 m 214.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 305.15 m 274.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 305.15 m 278.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 305.15 m 327.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 305.15 m 331.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 305.15 m 391.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 305.15 m 395.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 305.15 m 444.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 305.15 m 448.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 305.15 m 508.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 305.15 m 512.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 305.15 m 561.5 305.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 95.14999999999998 m 274.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 95.14999999999998 m 278.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 95.14999999999998 m 327.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 95.14999999999998 m 331.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 95.14999999999998 m 391.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 95.14999999999998 m 395.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 95.14999999999998 m 444.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 95.14999999999998 m 448.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 95.14999999999998 m 508.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 95.14999999999998 m 512.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 95.14999999999998 m 561.5 95.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 81.14999999999998 m 274.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 81.14999999999998 m 278.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 81.14999999999998 m 327.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 81.14999999999998 m 331.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 81.14999999999998 m 391.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 81.14999999999998 m 395.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 81.14999999999998 m 444.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 81.14999999999998 m 448.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 81.14999999999998 m 508.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 81.14999999999998 m 512.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 81.14999999999998 m 561.5 81.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 67.14999999999998 m 210.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 67.14999999999998 m 214.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 67.14999999999998 m 274.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 67.14999999999998 m 278.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278.5 67.14999999999998 m 327.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 67.14999999999998 m 331.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 67.14999999999998 m 391.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 67.14999999999998 m 395.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 67.14999999999998 m 444.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 67.14999999999998 m 448.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 67.14999999999998 m 508.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 67.14999999999998 m 512.5 67.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 67.14999999999998 m 561.5 67.14999999999998 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 333.10 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 341.55 333.23 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 321.10 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 262.50 321.23 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.50 321.10 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.50 321.10 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 309.10 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.40 309.23 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.45 309.23 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.10 309.10 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.50 309.10 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 465.10 309.10 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 524.50 309.10 Td (Percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 295.72 Td (Wintrust Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 217.00 295.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 295.83 Td (2,871,755) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.00 295.83 Td (17) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 295.83 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.00 295.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.60 295.72 Td (2,350,644) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 295.72 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 295.72 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 295.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 295.72 Td (1,816,775) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 295.72 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 295.72 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 281.72 Td (Lake Forest Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 281.83 Td (1,927,484) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.00 281.83 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.60 281.72 Td (1,819,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 281.72 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 281.72 Td (1,721,068) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 281.72 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 267.72 Td (Hinsdale Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 267.83 Td (1,505,057) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 267.83 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.60 267.72 Td (1,294,351) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 267.72 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 267.72 Td (1,265,361) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 267.72 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 253.72 Td (Town Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 253.83 Td (1,288,312) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 253.83 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 253.72 Td (924,163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 253.72 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 253.72 Td (732,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 253.72 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 239.72 Td (Northbrook Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 239.83 Td (1,235,701) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 239.83 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.60 239.72 Td (1,198,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 239.72 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 239.72 Td (1,380,842) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 239.72 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 225.72 Td (Barrington Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 225.83 Td (1,177,254) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 225.83 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.60 225.72 Td (1,106,884) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 225.72 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 225.72 Td (1,061,249) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 225.72 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 211.72 Td (Old Plank Trail Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 211.83 Td (1,069,543) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 211.83 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.60 211.72 Td (1,002,729) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 211.72 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 211.72 Td (873,408) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 211.72 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 197.72 Td (Libertyville Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 230.60 197.83 Td (1,017,398) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 197.83 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 197.72 Td (996,416) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 197.72 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 197.72 Td (988,953) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 197.72 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 183.72 Td (Village Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.15 183.83 Td (953,194) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 183.83 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 183.72 Td (879,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 183.72 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 183.72 Td (833,258) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 183.72 Td (6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 169.72 Td (Wheaton Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.15 169.83 Td (853,841) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 169.83 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 169.72 Td (678,292) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 169.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 169.72 Td (598,263) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 169.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 155.72 Td (State Bank of the Lakes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.15 155.83 Td (758,243) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 155.83 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 155.72 Td (672,995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 155.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 155.72 Td (604,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 155.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 141.72 Td (Beverly Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.15 141.83 Td (732,054) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 141.83 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 141.72 Td (687,499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 141.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 141.72 Td (642,836) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 141.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 127.72 Td (Crystal Lake Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.15 127.83 Td (705,355) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 127.83 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 127.72 Td (674,941) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 127.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 127.72 Td (620,385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 127.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 113.72 Td (Schaumburg Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.15 113.83 Td (679,260) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 113.83 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 113.72 Td (636,988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 113.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 113.72 Td (617,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 113.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 99.72 Td (St. Charles Bank) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 238.15 99.83 Td (641,231) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.00 99.83 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 99.72 Td (609,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 99.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 99.72 Td (577,760) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 99.72 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 85.72 Td (Total deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 217.00 85.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 225.60 85.83 Td (17,415,682) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.00 85.83 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 85.83 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.00 85.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.60 85.72 Td (15,532,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 85.72 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 85.72 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 85.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.60 85.72 Td (14,334,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.65 85.72 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 85.72 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 71.72 Td (Percentage increase from prior year) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 217.00 71.40 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.00 71.83 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 317.00 71.83 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.00 71.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 71.72 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.65 71.72 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 71.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 71.72 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 71.72 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 137 0 obj <> endobj 138 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (68) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (V) Tj ET Q q 0 0 0 rg BT 56.11 742.10 Td (arious ) Tj ET Q q 0 0 0 rg BT 83.24 742.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 136.21 742.10 Td (most ) Tj ET Q q 0 0 0 rg BT 158.35 742.10 Td (notably ) Tj ET Q q 0 0 0 rg BT 191.04 742.10 Td (those ) Tj ET Q q 0 0 0 rg BT 214.84 742.10 Td (made ) Tj ET Q q 0 0 0 rg BT 239.19 742.10 Td (during ) Tj ET Q q 0 0 0 rg BT 267.99 742.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 290.68 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 303.18 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 308.59 742.10 Td (own ) Tj ET Q q 0 0 0 rg BT 328.51 742.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 354.81 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 369.71 742.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 405.72 742.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 453.96 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 468.31 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.22 742.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 514.80 742.10 Td (fluctuations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.28 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 73.12 730.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 94.97 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.59 730.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 128.79 730.10 Td (These ) Tj ET Q q 0 0 0 rg BT 154.51 730.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 204.13 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 218.18 730.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 258.35 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.97 730.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 289.25 730.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 296.10 730.10 Td (- ) Tj ET Q q 0 0 0 rg BT 301.27 730.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 338.67 730.10 Td (Combinations. ) Tj ET Q q 0 0 0 rg BT 398.99 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 416.38 730.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 462.81 730.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 504.08 730.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 533.69 730.10 Td (growth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (during ) Tj ET Q q 0 0 0 rg BT 78.61 718.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 101.11 718.10 Td (also ) Tj ET Q q 0 0 0 rg BT 119.72 718.10 Td (contributed ) Tj ET Q q 0 0 0 rg BT 167.76 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.04 718.10 Td (these ) Tj ET Q q 0 0 0 rg BT 201.08 718.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 232.47 718.10 Td (fluctuations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.07 697.10 Td (Funding ) Tj ET Q q 0 0 0 rg BT 110.70 697.10 Td (Sour) Tj ET Q q 0 0 0 rg BT 129.22 697.10 Td (ces.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.49 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 145.84 697.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 185.36 697.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 219.88 697.10 Td (are ) Tj ET Q q 0 0 0 rg BT 233.83 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.79 697.10 Td (Company) Tj ET Q q 0 0 0 rg BT 289.45 697.10 Td (s ) Tj ET Q q 0 0 0 rg BT 295.08 697.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 328.48 697.10 Td (source ) Tj ET Q q 0 0 0 rg BT 356.32 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.39 697.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 399.24 697.10 Td (its ) Tj ET Q q 0 0 0 rg BT 410.43 697.10 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 474.92 697.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 502.49 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 697.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.11 697.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.76 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.74 685.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 124.04 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.46 685.10 Td (types ) Tj ET Q q 0 0 0 rg BT 163.78 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.42 685.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 206.84 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.38 685.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 254.36 685.10 Td (is ) Tj ET Q q 0 0 0 rg BT 264.24 685.10 Td (somewhat ) Tj ET Q q 0 0 0 rg BT 307.99 685.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 339.53 685.10 Td (by ) Tj ET Q q 0 0 0 rg BT 352.73 685.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 392.59 685.10 Td (preferences ) Tj ET Q q 0 0 0 rg BT 441.87 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.52 685.10 Td (market ) Tj ET Q q 0 0 0 rg BT 490.49 685.10 Td (competition. ) Tj ET Q q 0 0 0 rg BT 543.25 685.10 Td (As ) Tj ET Q q 0 0 0 rg BT 557.57 685.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 77.24 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 87.54 673.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 122.84 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 133.14 673.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 168.44 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.40 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.14 673.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 236.54 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.40 673.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 274.92 673.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 315.20 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.17 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.91 673.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 384.97 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.83 673.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 434.73 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.47 673.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 490.88 673.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 510.62 673.10 Td (several ) Tj ET Q q 0 0 0 rg BT 541.46 673.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 83.04 661.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 114.95 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.66 661.10 Td (support ) Tj ET Q q 0 0 0 rg BT 156.59 661.10 Td (its ) Tj ET Q q 0 0 0 rg BT 167.96 661.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 200.58 661.10 Td (These ) Tj ET Q q 0 0 0 rg BT 226.39 661.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 258.30 661.10 Td (include ) Tj ET Q q 0 0 0 rg BT 289.67 661.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 333.25 661.10 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 383.23 661.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 406.26 661.10 Td (payable, ) Tj ET Q q 0 0 0 rg BT 441.79 661.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 469.28 661.10 Td (advances, ) Tj ET Q q 0 0 0 rg BT 510.35 661.10 Td (subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (debt, ) Tj ET Q q 0 0 0 rg BT 72.88 649.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 106.57 649.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 155.28 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.88 649.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 199.93 649.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 254.74 649.10 Td (debentures. ) Tj ET Q q 0 0 0 rg BT 303.49 649.10 Td (The ) Tj ET Q q 0 0 0 rg BT 322.19 649.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 364.24 649.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 404.60 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.98 649.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 445.35 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.95 649.10 Td (unique ) Tj ET Q q 0 0 0 rg BT 493.33 649.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 553.67 649.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.82 637.10 Td (source, ) Tj ET Q q 0 0 0 rg BT 101.91 637.10 Td (as ) Tj ET Q q 0 0 0 rg BT 112.74 637.10 Td (well ) Tj ET Q q 0 0 0 rg BT 132.46 637.10 Td (as ) Tj ET Q q 0 0 0 rg BT 143.29 637.10 Td (its ) Tj ET Q q 0 0 0 rg BT 155.24 637.10 Td (asset-liability ) Tj ET Q q 0 0 0 rg BT 211.62 637.10 Td (management ) Tj ET Q q 0 0 0 rg BT 265.21 637.10 Td (position, ) Tj ET Q q 0 0 0 rg BT 302.43 637.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.71 637.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 363.53 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.25 637.10 Td (use ) Tj ET Q q 0 0 0 rg BT 394.08 637.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.91 637.10 Td (such ) Tj ET Q q 0 0 0 rg BT 425.74 637.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 459.35 637.10 Td (sources.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.91 616.10 Td (following ) Tj ET Q q 0 0 0 rg BT 111.16 616.10 Td (table ) Tj ET Q q 0 0 0 rg BT 133.96 616.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 152.32 616.10 Td (forth, ) Tj ET Q q 0 0 0 rg BT 177.63 616.10 Td (by ) Tj ET Q q 0 0 0 rg BT 190.99 616.10 Td (category) Tj ET Q q 0 0 0 rg BT 224.77 616.10 Td (, ) Tj ET Q q 0 0 0 rg BT 230.63 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.21 616.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 299.02 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.71 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.29 616.10 Td (average ) Tj ET Q q 0 0 0 rg BT 360.74 616.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 398.53 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.22 616.10 Td (other ) Tj ET Q q 0 0 0 rg BT 434.14 616.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 468.61 616.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 501.96 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 516.99 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.57 616.10 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (presented:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 593.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 530.80 162.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 530.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 530.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 530.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 530.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 530.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 530.80 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 530.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 530.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 530.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 530.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 530.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 530.80 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 504.80 162.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 504.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 504.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 504.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 504.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 504.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 504.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 504.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 504.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 504.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 504.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 504.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 504.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 477.80 162.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 477.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 477.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 477.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 477.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 477.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 477.80 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 477.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 477.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 477.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 477.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 477.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 477.80 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 451.80 162.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 451.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 451.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 451.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.50 451.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 451.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 451.80 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 451.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 451.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 451.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 451.80 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 451.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 451.80 55.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 582.8 m 212.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 582.8 m 216.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 582.8 m 270.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 569.8 m 270.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 582.8 m 274.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 569.8 m 274.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 582.8 m 328.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 569.8 m 328.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 582.8 m 332.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 569.8 m 332.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 582.8 m 387.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 569.8 m 387.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 582.8 m 391.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 569.8 m 391.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 582.8 m 445.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 569.8 m 445.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 582.8 m 449.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 569.8 m 449.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 582.8 m 503.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 569.8 m 503.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 582.8 m 507.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 569.8 m 507.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 582.8 m 562.5 582.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 569.8 m 562.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 569.8 m 270.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 556.8 m 270.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 569.8 m 274.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 556.8 m 274.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 569.8 m 328.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 556.8 m 328.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 569.8 m 332.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 556.8 m 332.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 569.8 m 387.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 556.8 m 387.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 569.8 m 391.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 556.8 m 391.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 569.8 m 445.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 556.8 m 445.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 569.8 m 449.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 556.8 m 449.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 569.8 m 503.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 556.8 m 503.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 569.8 m 507.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 556.8 m 507.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 569.8 m 562.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 556.8 m 562.5 556.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 530.8 m 212.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 530.8 m 216.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 530.8 m 270.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 530.8 m 274.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 530.8 m 328.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 530.8 m 332.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 530.8 m 387.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 530.8 m 391.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 530.8 m 445.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 530.8 m 449.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 530.8 m 503.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 530.8 m 507.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 530.8 m 562.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 530.8 m 212.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 530.8 m 387.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 530.8 m 503.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 438.8 m 270.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 438.8 m 274.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 438.8 m 328.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 438.8 m 332.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 438.8 m 387.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 438.8 m 391.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 438.8 m 445.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 438.8 m 449.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 438.8 m 503.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 438.8 m 507.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 438.8 m 562.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 425.8 m 212.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 425.8 m 216.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 425.8 m 270.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 425.8 m 274.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 425.8 m 328.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 425.8 m 332.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 425.8 m 387.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 425.8 m 391.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 425.8 m 445.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 425.8 m 449.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 425.8 m 503.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 425.8 m 507.5 425.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 425.8 m 562.5 425.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 574.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 343.05 574.03 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 561.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 264.00 561.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.50 561.05 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.50 561.05 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 548.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 229.05 548.03 Td (Average) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.95 548.03 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.25 548.05 Td (Average) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.00 548.05 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.75 548.05 Td (Average) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.50 548.05 Td (Percent) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 535.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 229.40 535.03 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.95 535.03 Td (ofTotal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.60 535.05 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.55 535.05 Td (ofTotal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.10 535.05 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.05 535.05 Td (ofTotal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 521.37 Td (Notes payable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 219.00 521.53 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 239.15 521.53 Td (40,130) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.00 521.53 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.00 521.53 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 521.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.65 521.37 Td (134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 521.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.65 521.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.00 521.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 521.37 Td (6,032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 521.37 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 521.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 508.37 Td (Federal Home Loan Bank advances) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.15 508.53 Td (389,426) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.00 508.53 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.15 508.37 Td (387,591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 508.37 Td (46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 508.37 Td (423,221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 508.37 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 495.37 Td (Secured borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.15 495.48 Td (118,443) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.00 495.48 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.15 495.37 Td (5,656) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 495.37 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 495.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 495.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 481.37 Td (Subordinated notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.15 481.53 Td (140,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.00 481.53 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.15 481.37 Td (77,479) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 481.37 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 481.37 Td (10,521) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 481.37 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 468.37 Td (Short-term borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 239.15 468.53 Td (55,862) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.00 468.53 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.15 468.37 Td (107,588) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 468.37 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 468.37 Td (234,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 468.37 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 455.37 Td (Junior subordinated debentures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.15 455.53 Td (258,203) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.00 455.53 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.15 455.37 Td (249,493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 455.37 Td (29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 455.37 Td (249,493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 455.37 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 442.37 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 239.15 442.53 Td (18,717) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 313.00 442.53 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.15 442.37 Td (19,101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 442.37 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 442.37 Td (29,126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 442.37 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 429.37 Td (Total other funding sources) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 219.00 429.53 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 226.60 429.53 Td (1,020,781) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 303.00 429.53 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.00 429.53 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.15 429.37 Td (847,042) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.65 429.37 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.65 429.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 429.37 Td (952,546) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 429.37 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 429.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.50 Td (Notes ) Tj ET Q q 0 0 0 rg BT 76.71 403.50 Td (payable ) Tj ET Q q 0 0 0 rg BT 111.18 403.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 148.98 403.50 Td (represent ) Tj ET Q q 0 0 0 rg BT 189.00 403.50 Td (the ) Tj ET Q q 0 0 0 rg BT 204.60 403.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 242.40 403.50 Td (on ) Tj ET Q q 0 0 0 rg BT 255.78 403.50 Td (separate ) Tj ET Q q 0 0 0 rg BT 291.91 403.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 312.51 403.50 Td (agreements ) Tj ET Q q 0 0 0 rg BT 361.42 403.50 Td (with ) Tj ET Q q 0 0 0 rg BT 382.57 403.50 Td (unaf) Tj ET Q q 0 0 0 rg BT 400.16 403.50 Td (filiated ) Tj ET Q q 0 0 0 rg BT 431.86 403.50 Td (banks, ) Tj ET Q q 0 0 0 rg BT 461.07 403.50 Td (which ) Tj ET Q q 0 0 0 rg BT 488.88 403.50 Td (included ) Tj ET Q q 0 0 0 rg BT 526.69 403.50 Td (a ) Tj ET Q q 0 0 0 rg BT 534.51 403.50 Td ($100.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.50 Td (million ) Tj ET Q q 0 0 0 rg BT 82.20 391.50 Td (revolving ) Tj ET Q q 0 0 0 rg BT 123.84 391.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.91 391.50 Td (facility ) Tj ET Q q 0 0 0 rg BT 181.54 391.50 Td (that ) Tj ET Q q 0 0 0 rg BT 199.84 391.50 Td (was ) Tj ET Q q 0 0 0 rg BT 218.71 391.50 Td (replaced ) Tj ET Q q 0 0 0 rg BT 255.88 391.50 Td (in ) Tj ET Q q 0 0 0 rg BT 266.96 391.50 Td (2014 ) Tj ET Q q 0 0 0 rg BT 290.27 391.50 Td (by ) Tj ET Q q 0 0 0 rg BT 303.58 391.50 Td (a ) Tj ET Q q 0 0 0 rg BT 311.33 391.50 Td (separate ) Tj ET Q q 0 0 0 rg BT 347.40 391.50 Td ($150 ) Tj ET Q q 0 0 0 rg BT 370.71 391.50 Td (million ) Tj ET Q q 0 0 0 rg BT 402.91 391.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 423.43 391.50 Td (agreement ) Tj ET Q q 0 0 0 rg BT 468.38 391.50 Td (with ) Tj ET Q q 0 0 0 rg BT 489.47 391.50 Td (unaf) Tj ET Q q 0 0 0 rg BT 507.06 391.50 Td (filiated ) Tj ET Q q 0 0 0 rg BT 538.69 391.50 Td (banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.50 Td (consisting ) Tj ET Q q 0 0 0 rg BT 92.07 379.50 Td (of ) Tj ET Q q 0 0 0 rg BT 101.92 379.50 Td (a ) Tj ET Q q 0 0 0 rg BT 107.87 379.50 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 131.89 379.50 Td (million ) Tj ET Q q 0 0 0 rg BT 162.30 379.50 Td (revolving ) Tj ET Q q 0 0 0 rg BT 202.14 379.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 226.42 379.50 Td (facility ) Tj ET Q q 0 0 0 rg BT 256.25 379.50 Td (and ) Tj ET Q q 0 0 0 rg BT 272.21 379.50 Td (a ) Tj ET Q q 0 0 0 rg BT 278.16 379.50 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 302.18 379.50 Td (million ) Tj ET Q q 0 0 0 rg BT 332.59 379.50 Td (term ) Tj ET Q q 0 0 0 rg BT 352.43 379.50 Td (facility) Tj ET Q q 0 0 0 rg BT 380.10 379.50 Td (. ) Tj ET Q q 0 0 0 rg BT 384.12 379.50 Td (Both ) Tj ET Q q 0 0 0 rg BT 405.08 379.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 423.81 379.50 Td (facilities ) Tj ET Q q 0 0 0 rg BT 459.76 379.50 Td (are ) Tj ET Q q 0 0 0 rg BT 473.48 379.50 Td (available ) Tj ET Q q 0 0 0 rg BT 511.09 379.50 Td (for ) Tj ET Q q 0 0 0 rg BT 524.26 379.50 Td (corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.50 Td (purposes ) Tj ET Q q 0 0 0 rg BT 88.46 367.50 Td (such ) Tj ET Q q 0 0 0 rg BT 109.70 367.50 Td (as ) Tj ET Q q 0 0 0 rg BT 120.94 367.50 Td (to ) Tj ET Q q 0 0 0 rg BT 131.63 367.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 165.09 367.50 Td (capital ) Tj ET Q q 0 0 0 rg BT 194.65 367.50 Td (to ) Tj ET Q q 0 0 0 rg BT 205.34 367.50 Td (fund ) Tj ET Q q 0 0 0 rg BT 226.58 367.50 Td (continued ) Tj ET Q q 0 0 0 rg BT 268.92 367.50 Td (growth ) Tj ET Q q 0 0 0 rg BT 300.16 367.50 Td (at ) Tj ET Q q 0 0 0 rg BT 310.29 367.50 Td (existing ) Tj ET Q q 0 0 0 rg BT 344.86 367.50 Td (bank ) Tj ET Q q 0 0 0 rg BT 367.21 367.50 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 419.84 367.50 Td (possible ) Tj ET Q q 0 0 0 rg BT 455.53 367.50 Td (future ) Tj ET Q q 0 0 0 rg BT 482.31 367.50 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 533.00 367.50 Td (and ) Tj ET Q q 0 0 0 rg BT 550.35 367.50 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.50 Td (other ) Tj ET Q q 0 0 0 rg BT 72.76 355.50 Td (general ) Tj ET Q q 0 0 0 rg BT 104.40 355.50 Td (corporate ) Tj ET Q q 0 0 0 rg BT 144.38 355.50 Td (matters. ) Tj ET Q q 0 0 0 rg BT 178.04 355.50 Td (At ) Tj ET Q q 0 0 0 rg BT 190.25 355.50 Td (December ) Tj ET Q q 0 0 0 rg BT 233.55 355.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 248.27 355.50 Td (2015, ) Tj ET Q q 0 0 0 rg BT 272.99 355.50 Td (the ) Tj ET Q q 0 0 0 rg BT 287.42 355.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 328.52 355.50 Td (had ) Tj ET Q q 0 0 0 rg BT 345.18 355.50 Td (an ) Tj ET Q q 0 0 0 rg BT 356.83 355.50 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 405.72 355.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 438.47 355.50 Td (under ) Tj ET Q q 0 0 0 rg BT 463.45 355.50 Td (the ) Tj ET Q q 0 0 0 rg BT 477.88 355.50 Td (term ) Tj ET Q q 0 0 0 rg BT 498.43 355.50 Td (facility ) Tj ET Q q 0 0 0 rg BT 528.96 355.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 355.50 Td ($67.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 343.50 Td ( ) Tj ET Q q 0 0 0 rg BT 81.35 343.50 Td (compared ) Tj ET Q q 0 0 0 rg BT 123.24 343.50 Td (to ) Tj ET Q q 0 0 0 rg BT 133.48 343.50 Td (no ) Tj ET Q q 0 0 0 rg BT 145.95 343.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 178.94 343.50 Td (at ) Tj ET Q q 0 0 0 rg BT 188.62 343.50 Td (December ) Tj ET Q q 0 0 0 rg BT 232.17 343.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 247.13 343.50 Td (2014. ) Tj ET Q q 0 0 0 rg BT 271.92 343.50 Td (The ) Tj ET Q q 0 0 0 rg BT 289.93 343.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 331.28 343.50 Td (was ) Tj ET Q q 0 0 0 rg BT 349.29 343.50 Td (contractually ) Tj ET Q q 0 0 0 rg BT 403.96 343.50 Td (required ) Tj ET Q q 0 0 0 rg BT 439.73 343.50 Td (to ) Tj ET Q q 0 0 0 rg BT 449.98 343.50 Td (borrow ) Tj ET Q q 0 0 0 rg BT 481.32 343.50 Td (the ) Tj ET Q q 0 0 0 rg BT 496.00 343.50 Td (entire ) Tj ET Q q 0 0 0 rg BT 521.23 343.50 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.69 343.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.50 Td (the ) Tj ET Q q 0 0 0 rg BT 64.31 331.50 Td (term ) Tj ET Q q 0 0 0 rg BT 84.73 331.50 Td (facility ) Tj ET Q q 0 0 0 rg BT 115.14 331.50 Td (on ) Tj ET Q q 0 0 0 rg BT 127.24 331.50 Td (June ) Tj ET Q q 0 0 0 rg BT 147.66 331.50 Td (15, ) Tj ET Q q 0 0 0 rg BT 162.25 331.50 Td (2015 ) Tj ET Q q 0 0 0 rg BT 184.35 331.50 Td (and ) Tj ET Q q 0 0 0 rg BT 200.88 331.50 Td (all ) Tj ET Q q 0 0 0 rg BT 212.97 331.50 Td (such ) Tj ET Q q 0 0 0 rg BT 233.39 331.50 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 281.04 331.50 Td (must ) Tj ET Q q 0 0 0 rg BT 302.58 331.50 Td (be ) Tj ET Q q 0 0 0 rg BT 314.11 331.50 Td (repaid ) Tj ET Q q 0 0 0 rg BT 341.19 331.50 Td (by ) Tj ET Q q 0 0 0 rg BT 353.29 331.50 Td (June ) Tj ET Q q 0 0 0 rg BT 373.71 331.50 Td (15, ) Tj ET Q q 0 0 0 rg BT 388.30 331.50 Td (2020. ) Tj ET Q q 0 0 0 rg BT 412.44 331.50 Td (At ) Tj ET Q q 0 0 0 rg BT 424.53 331.50 Td (December ) Tj ET Q q 0 0 0 rg BT 467.71 331.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 482.30 331.50 Td (2015 ) Tj ET Q q 0 0 0 rg BT 504.39 331.50 Td (and ) Tj ET Q q 0 0 0 rg BT 520.93 331.50 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 65.00 319.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 90.00 319.50 Td (the ) Tj ET Q q 0 0 0 rg BT 104.72 319.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 146.10 319.50 Td (had ) Tj ET Q q 0 0 0 rg BT 163.04 319.50 Td (no ) Tj ET Q q 0 0 0 rg BT 175.54 319.50 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 224.71 319.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 257.74 319.50 Td (on ) Tj ET Q q 0 0 0 rg BT 270.24 319.50 Td (the ) Tj ET Q q 0 0 0 rg BT 284.96 319.50 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 309.96 319.50 Td (million ) Tj ET Q q 0 0 0 rg BT 341.35 319.50 Td (revolving ) Tj ET Q q 0 0 0 rg BT 382.17 319.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 407.44 319.50 Td (facility) Tj ET Q q 0 0 0 rg BT 435.11 319.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.50 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 78.17 298.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 117.42 298.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 150.58 298.50 Td (the ) Tj ET Q q 0 0 0 rg BT 165.40 298.50 Td (banks ) Tj ET Q q 0 0 0 rg BT 191.34 298.50 Td (with ) Tj ET Q q 0 0 0 rg BT 211.72 298.50 Td (access ) Tj ET Q q 0 0 0 rg BT 239.87 298.50 Td (to ) Tj ET Q q 0 0 0 rg BT 250.25 298.50 Td (fixed ) Tj ET Q q 0 0 0 rg BT 273.41 298.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 291.00 298.50 Td (funds ) Tj ET Q q 0 0 0 rg BT 315.83 298.50 Td (which ) Tj ET Q q 0 0 0 rg BT 342.88 298.50 Td (are ) Tj ET Q q 0 0 0 rg BT 357.69 298.50 Td (useful ) Tj ET Q q 0 0 0 rg BT 384.74 298.50 Td (in ) Tj ET Q q 0 0 0 rg BT 395.12 298.50 Td (mitigating ) Tj ET Q q 0 0 0 rg BT 438.84 298.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 470.88 298.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 488.47 298.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 506.08 298.50 Td (and ) Tj ET Q q 0 0 0 rg BT 523.13 298.50 Td (achieving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.50 Td (an ) Tj ET Q q 0 0 0 rg BT 63.56 286.50 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 109.87 286.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 143.42 286.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 162.52 286.50 Td (spread ) Tj ET Q q 0 0 0 rg BT 192.74 286.50 Td (on ) Tj ET Q q 0 0 0 rg BT 206.86 286.50 Td (fixed ) Tj ET Q q 0 0 0 rg BT 231.53 286.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 250.63 286.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 275.86 286.50 Td (or ) Tj ET Q q 0 0 0 rg BT 288.31 286.50 Td (securities. ) Tj ET Q q 0 0 0 rg BT 332.69 286.50 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 362.38 286.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 403.14 286.50 Td (to ) Tj ET Q q 0 0 0 rg BT 415.04 286.50 Td (the ) Tj ET Q q 0 0 0 rg BT 431.37 286.50 Td (banks ) Tj ET Q q 0 0 0 rg BT 458.82 286.50 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.16 286.50 Td ($859.9 ) Tj ET Q q 0 0 0 rg BT 521.78 286.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.67 286.50 Td ( ) Tj ET Q q 0 0 0 rg BT 554.79 286.50 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.50 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.62 274.50 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.62 274.50 Td ( ) Tj ET Q q 0 0 0 rg BT 131.15 274.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.12 274.50 Td ($733.1 ) Tj ET Q q 0 0 0 rg BT 178.16 274.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.05 274.50 Td ( ) Tj ET Q q 0 0 0 rg BT 209.58 274.50 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.33 274.50 Td (December31, ) Tj ET Q q 0 0 0 rg BT 277.95 274.50 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.95 274.50 Td (. ) Tj ET Q q 0 0 0 rg BT 302.98 274.50 Td (See ) Tj ET Q q 0 0 0 rg BT 319.95 274.50 Td (Note ) Tj ET Q q 0 0 0 rg BT 341.92 274.50 Td (1) Tj ET Q q 0 0 0 rg BT 346.55 274.50 Td (1 ) Tj ET Q q 0 0 0 rg BT 354.09 274.50 Td (to ) Tj ET Q q 0 0 0 rg BT 364.40 274.50 Td (the ) Tj ET Q q 0 0 0 rg BT 379.15 274.50 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 434.45 274.50 Td (Financial ) Tj ET Q q 0 0 0 rg BT 474.20 274.50 Td (Statements ) Tj ET Q q 0 0 0 rg BT 520.61 274.50 Td (for ) Tj ET Q q 0 0 0 rg BT 534.81 274.50 Td (further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.50 Td (discussion ) Tj ET Q q 0 0 0 rg BT 94.17 262.50 Td (of ) Tj ET Q q 0 0 0 rg BT 105.00 262.50 Td (the ) Tj ET Q q 0 0 0 rg BT 119.72 262.50 Td (terms ) Tj ET Q q 0 0 0 rg BT 144.43 262.50 Td (of ) Tj ET Q q 0 0 0 rg BT 155.26 262.50 Td (these ) Tj ET Q q 0 0 0 rg BT 178.31 262.50 Td (advances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.50 Td (The ) Tj ET Q q 0 0 0 rg BT 67.46 241.50 Td (average ) Tj ET Q q 0 0 0 rg BT 100.47 241.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 132.92 241.50 Td (of ) Tj ET Q q 0 0 0 rg BT 143.17 241.50 Td (secured ) Tj ET Q q 0 0 0 rg BT 175.62 241.50 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 223.09 241.50 Td (represents ) Tj ET Q q 0 0 0 rg BT 265.54 241.50 Td (a ) Tj ET Q q 0 0 0 rg BT 271.90 241.50 Td (third ) Tj ET Q q 0 0 0 rg BT 292.71 241.50 Td (party ) Tj ET Q q 0 0 0 rg BT 315.17 241.50 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 354.85 241.50 Td (transaction ) Tj ET Q q 0 0 0 rg BT 400.64 241.50 Td (\("Canadian ) Tj ET Q q 0 0 0 rg BT 447.74 241.50 Td (Secured ) Tj ET Q q 0 0 0 rg BT 481.86 241.50 Td (Borrowing"\). ) Tj ET Q q 0 0 0 rg BT 537.02 241.50 Td (Under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.50 Td (the ) Tj ET Q q 0 0 0 rg BT 64.79 229.50 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 105.12 229.50 Td (Secured ) Tj ET Q q 0 0 0 rg BT 139.90 229.50 Td (Borrowing, ) Tj ET Q q 0 0 0 rg BT 188.30 229.50 Td (in ) Tj ET Q q 0 0 0 rg BT 198.65 229.50 Td (December ) Tj ET Q q 0 0 0 rg BT 242.30 229.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 267.37 229.50 Td (the ) Tj ET Q q 0 0 0 rg BT 282.16 229.50 Td (Company) Tj ET Q q 0 0 0 rg BT 320.39 229.50 Td (, ) Tj ET Q q 0 0 0 rg BT 325.46 229.50 Td (through ) Tj ET Q q 0 0 0 rg BT 359.14 229.50 Td (its ) Tj ET Q q 0 0 0 rg BT 371.16 229.50 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 411.62 229.50 Td (, ) Tj ET Q q 0 0 0 rg BT 416.69 229.50 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 440.38 229.50 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 475.44 229.50 Td (sold ) Tj ET Q q 0 0 0 rg BT 494.68 229.50 Td (an ) Tj ET Q q 0 0 0 rg BT 506.68 229.50 Td (undivided ) Tj ET Q q 0 0 0 rg BT 549.25 229.50 Td (co-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.50 Td (ownership ) Tj ET Q q 0 0 0 rg BT 95.74 217.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 129.25 217.50 Td (in ) Tj ET Q q 0 0 0 rg BT 141.11 217.50 Td (all ) Tj ET Q q 0 0 0 rg BT 155.19 217.50 Td (receivables ) Tj ET Q q 0 0 0 rg BT 204.24 217.50 Td (owed ) Tj ET Q q 0 0 0 rg BT 229.98 217.50 Td (to ) Tj ET Q q 0 0 0 rg BT 241.84 217.50 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 267.04 217.50 Td (Canada ) Tj ET Q q 0 0 0 rg BT 301.11 217.50 Td (to ) Tj ET Q q 0 0 0 rg BT 312.96 217.50 Td (an ) Tj ET Q q 0 0 0 rg BT 326.48 217.50 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 367.76 217.50 Td (third ) Tj ET Q q 0 0 0 rg BT 390.73 217.50 Td (party ) Tj ET Q q 0 0 0 rg BT 415.36 217.50 Td (in ) Tj ET Q q 0 0 0 rg BT 427.22 217.50 Td (exchange ) Tj ET Q q 0 0 0 rg BT 469.05 217.50 Td (for ) Tj ET Q q 0 0 0 rg BT 484.79 217.50 Td (a ) Tj ET Q q 0 0 0 rg BT 493.31 217.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 515.16 217.50 Td (payment ) Tj ET Q q 0 0 0 rg BT 553.67 217.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.50 Td (approximately ) Tj ET Q q 0 0 0 rg BT 109.27 205.50 Td (C$150 ) Tj ET Q q 0 0 0 rg BT 137.44 205.50 Td (million ) Tj ET Q q 0 0 0 rg BT 167.84 205.50 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 203.79 205.50 Td (to ) Tj ET Q q 0 0 0 rg BT 213.08 205.50 Td (a ) Tj ET Q q 0 0 0 rg BT 219.02 205.50 Td (receivables ) Tj ET Q q 0 0 0 rg BT 265.50 205.50 Td (purchase ) Tj ET Q q 0 0 0 rg BT 302.55 205.50 Td (agreement ) Tj ET Q q 0 0 0 rg BT 345.69 205.50 Td (\(Receivables ) Tj ET Q q 0 0 0 rg BT 403.28 205.50 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 440.55 205.50 Td (Agreement\). ) Tj ET Q q 0 0 0 rg BT 496.65 205.50 Td (The ) Tj ET Q q 0 0 0 rg BT 513.70 205.50 Td (Receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.50 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 87.11 193.50 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 132.84 193.50 Td (was ) Tj ET Q q 0 0 0 rg BT 149.69 193.50 Td (amended ) Tj ET Q q 0 0 0 rg BT 187.09 193.50 Td (in ) Tj ET Q q 0 0 0 rg BT 196.17 193.50 Td (December ) Tj ET Q q 0 0 0 rg BT 238.55 193.50 Td (2015, ) Tj ET Q q 0 0 0 rg BT 262.35 193.50 Td (ef) Tj ET Q q 0 0 0 rg BT 269.94 193.50 Td (fectively ) Tj ET Q q 0 0 0 rg BT 306.22 193.50 Td (extending ) Tj ET Q q 0 0 0 rg BT 346.96 193.50 Td (the ) Tj ET Q q 0 0 0 rg BT 360.47 193.50 Td (maturity ) Tj ET Q q 0 0 0 rg BT 395.66 193.50 Td (date ) Tj ET Q q 0 0 0 rg BT 413.61 193.50 Td (from ) Tj ET Q q 0 0 0 rg BT 434.35 193.50 Td (December ) Tj ET Q q 0 0 0 rg BT 476.74 193.50 Td (15, ) Tj ET Q q 0 0 0 rg BT 490.54 193.50 Td (2015 ) Tj ET Q q 0 0 0 rg BT 511.84 193.50 Td (to ) Tj ET Q q 0 0 0 rg BT 520.92 193.50 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.50 Td (15, ) Tj ET Q q 0 0 0 rg BT 64.79 181.50 Td (2017. ) Tj ET Q q 0 0 0 rg BT 89.08 181.50 Td (Additionally) Tj ET Q q 0 0 0 rg BT 138.98 181.50 Td (, ) Tj ET Q q 0 0 0 rg BT 143.77 181.50 Td (at ) Tj ET Q q 0 0 0 rg BT 153.28 181.50 Td (that ) Tj ET Q q 0 0 0 rg BT 170.57 181.50 Td (time, ) Tj ET Q q 0 0 0 rg BT 193.14 181.50 Td (the ) Tj ET Q q 0 0 0 rg BT 207.65 181.50 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 247.14 181.50 Td (third ) Tj ET Q q 0 0 0 rg BT 268.32 181.50 Td (party ) Tj ET Q q 0 0 0 rg BT 291.16 181.50 Td (paid ) Tj ET Q q 0 0 0 rg BT 310.67 181.50 Td (an ) Tj ET Q q 0 0 0 rg BT 322.40 181.50 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.68 181.50 Td (C$10 ) Tj ET Q q 0 0 0 rg BT 388.64 181.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.54 181.50 Td (, ) Tj ET Q q 0 0 0 rg BT 422.33 181.50 Td (which ) Tj ET Q q 0 0 0 rg BT 449.06 181.50 Td (increased ) Tj ET Q q 0 0 0 rg BT 489.11 181.50 Td (the ) Tj ET Q q 0 0 0 rg BT 503.62 181.50 Td (total ) Tj ET Q q 0 0 0 rg BT 523.68 181.50 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.50 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.94 169.50 Td (C$160 ) Tj ET Q q 0 0 0 rg BT 90.77 169.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.67 169.50 Td (. ) Tj ET Q q 0 0 0 rg BT 125.33 169.50 Td ( ) Tj ET Q q 0 0 0 rg BT 128.26 169.50 Td (The ) Tj ET Q q 0 0 0 rg BT 146.97 169.50 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 185.67 169.50 Td (received ) Tj ET Q q 0 0 0 rg BT 222.70 169.50 Td (from ) Tj ET Q q 0 0 0 rg BT 245.30 169.50 Td (these ) Tj ET Q q 0 0 0 rg BT 269.01 169.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 319.94 169.50 Td (are ) Tj ET Q q 0 0 0 rg BT 335.31 169.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 373.44 169.50 Td (on ) Tj ET Q q 0 0 0 rg BT 386.60 169.50 Td (the ) Tj ET Q q 0 0 0 rg BT 401.98 169.50 Td (Company) Tj ET Q q 0 0 0 rg BT 443.65 169.50 Td (s ) Tj ET Q q 0 0 0 rg BT 450.70 169.50 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 506.64 169.50 Td (Statements ) Tj ET Q q 0 0 0 rg BT 553.69 169.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.50 Td (Condition ) Tj ET Q q 0 0 0 rg BT 92.47 157.50 Td (as ) Tj ET Q q 0 0 0 rg BT 103.27 157.50 Td (a ) Tj ET Q q 0 0 0 rg BT 110.18 157.50 Td (secured ) Tj ET Q q 0 0 0 rg BT 143.18 157.50 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 187.31 157.50 Td (owed ) Tj ET Q q 0 0 0 rg BT 211.44 157.50 Td (to ) Tj ET Q q 0 0 0 rg BT 221.69 157.50 Td (the ) Tj ET Q q 0 0 0 rg BT 236.37 157.50 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 276.04 157.50 Td (third ) Tj ET Q q 0 0 0 rg BT 297.40 157.50 Td (party ) Tj ET Q q 0 0 0 rg BT 320.41 157.50 Td (and ) Tj ET Q q 0 0 0 rg BT 337.32 157.50 Td (translated ) Tj ET Q q 0 0 0 rg BT 378.66 157.50 Td (to ) Tj ET Q q 0 0 0 rg BT 388.91 157.50 Td (the ) Tj ET Q q 0 0 0 rg BT 403.59 157.50 Td (Company) Tj ET Q q 0 0 0 rg BT 445.26 157.50 Td (s ) Tj ET Q q 0 0 0 rg BT 451.62 157.50 Td (reporting ) Tj ET Q q 0 0 0 rg BT 490.74 157.50 Td (currency ) Tj ET Q q 0 0 0 rg BT 528.18 157.50 Td (as ) Tj ET Q q 0 0 0 rg BT 538.98 157.50 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 157.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.50 Td (respective ) Tj ET Q q 0 0 0 rg BT 92.80 145.50 Td (date. ) Tj ET Q q 0 0 0 rg BT 113.72 145.50 Td (At ) Tj ET Q q 0 0 0 rg BT 125.99 145.50 Td (December ) Tj ET Q q 0 0 0 rg BT 169.34 145.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 184.11 145.50 Td (2015, ) Tj ET Q q 0 0 0 rg BT 208.88 145.50 Td (the ) Tj ET Q q 0 0 0 rg BT 223.36 145.50 Td (translated ) Tj ET Q q 0 0 0 rg BT 264.50 145.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 297.30 145.50 Td (of ) Tj ET Q q 0 0 0 rg BT 307.90 145.50 Td (the ) Tj ET Q q 0 0 0 rg BT 322.39 145.50 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 362.42 145.50 Td (Secured ) Tj ET Q q 0 0 0 rg BT 396.89 145.50 Td (Borrowing ) Tj ET Q q 0 0 0 rg BT 442.49 145.50 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.97 145.50 Td ($1) Tj ET Q q 0 0 0 rg BT 481.60 145.50 Td (15.6 ) Tj ET Q q 0 0 0 rg BT 501.37 145.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.26 145.50 Td ( ) Tj ET Q q 0 0 0 rg BT 532.53 145.50 Td (with ) Tj ET Q q 0 0 0 rg BT 552.58 145.50 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 133.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 99.42 133.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.25 133.50 Td (1.4452%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.08 133.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.50 Td (At ) Tj ET Q q 0 0 0 rg BT 62.28 109.50 Td (December ) Tj ET Q q 0 0 0 rg BT 105.63 109.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 120.41 109.50 Td (2015 ) Tj ET Q q 0 0 0 rg BT 142.69 109.50 Td (and ) Tj ET Q q 0 0 0 rg BT 159.40 109.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 184.17 109.50 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 238.11 109.50 Td (notes ) Tj ET Q q 0 0 0 rg BT 261.49 109.50 Td (totaled ) Tj ET Q q 0 0 0 rg BT 290.98 109.50 Td ($140.0 ) Tj ET Q q 0 0 0 rg BT 320.75 109.50 Td (million. ) Tj ET Q q 0 0 0 rg BT 354.42 109.50 Td (During ) Tj ET Q q 0 0 0 rg BT 385.02 109.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 409.80 109.50 Td (the ) Tj ET Q q 0 0 0 rg BT 424.29 109.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 465.45 109.50 Td (issued ) Tj ET Q q 0 0 0 rg BT 492.73 109.50 Td ($140.0 ) Tj ET Q q 0 0 0 rg BT 522.50 109.50 Td (million ) Tj ET Q q 0 0 0 rg BT 553.67 109.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.50 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 104.54 97.50 Td (notes ) Tj ET Q q 0 0 0 rg BT 128.53 97.50 Td (receiving ) Tj ET Q q 0 0 0 rg BT 168.61 97.50 Td ($139.1 ) Tj ET Q q 0 0 0 rg BT 199.00 97.50 Td (million ) Tj ET Q q 0 0 0 rg BT 230.77 97.50 Td (in ) Tj ET Q q 0 0 0 rg BT 241.43 97.50 Td (net ) Tj ET Q q 0 0 0 rg BT 256.53 97.50 Td (proceeds. ) Tj ET Q q 0 0 0 rg BT 297.24 97.50 Td (The ) Tj ET Q q 0 0 0 rg BT 315.67 97.50 Td (notes ) Tj ET Q q 0 0 0 rg BT 339.66 97.50 Td (have ) Tj ET Q q 0 0 0 rg BT 361.42 97.50 Td (a ) Tj ET Q q 0 0 0 rg BT 368.74 97.50 Td (stated ) Tj ET Q q 0 0 0 rg BT 394.95 97.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 427.26 97.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 445.13 97.50 Td (of ) Tj ET Q q 0 0 0 rg BT 456.34 97.50 Td (5.00% ) Tj ET Q q 0 0 0 rg BT 485.06 97.50 Td (and ) Tj ET Q q 0 0 0 rg BT 502.38 97.50 Td (mature ) Tj ET Q q 0 0 0 rg BT 533.02 97.50 Td (in ) Tj ET Q q 0 0 0 rg BT 543.68 97.50 Td (June ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.50 Td (2024. ) Tj ET Q q 0 0 0 rg BT 75.18 85.50 Td (Previously) Tj ET Q q 0 0 0 rg BT 117.31 85.50 Td (, ) Tj ET Q q 0 0 0 rg BT 122.50 85.50 Td (the ) Tj ET Q q 0 0 0 rg BT 137.40 85.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 178.97 85.50 Td (borrowed ) Tj ET Q q 0 0 0 rg BT 219.98 85.50 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 245.16 85.50 Td (million ) Tj ET Q q 0 0 0 rg BT 276.74 85.50 Td (under ) Tj ET Q q 0 0 0 rg BT 302.19 85.50 Td (three ) Tj ET Q q 0 0 0 rg BT 324.86 85.50 Td (separate ) Tj ET Q q 0 0 0 rg BT 360.30 85.50 Td ($25.0 ) Tj ET Q q 0 0 0 rg BT 385.48 85.50 Td (million ) Tj ET Q q 0 0 0 rg BT 417.06 85.50 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 471.40 85.50 Td (note ) Tj ET Q q 0 0 0 rg BT 491.30 85.50 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 542.02 85.50 Td (Each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.50 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 103.84 73.50 Td (note ) Tj ET Q q 0 0 0 rg BT 123.24 73.50 Td (required ) Tj ET Q q 0 0 0 rg BT 158.73 73.50 Td (annual ) Tj ET Q q 0 0 0 rg BT 187.57 73.50 Td (principal ) Tj ET Q q 0 0 0 rg BT 225.29 73.50 Td (payments ) Tj ET Q q 0 0 0 rg BT 265.80 73.50 Td (of ) Tj ET Q q 0 0 0 rg BT 276.31 73.50 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 295.99 73.50 Td (million ) Tj ET Q q 0 0 0 rg BT 327.07 73.50 Td (beginning ) Tj ET Q q 0 0 0 rg BT 369.24 73.50 Td (in ) Tj ET Q q 0 0 0 rg BT 379.20 73.50 Td (the ) Tj ET Q q 0 0 0 rg BT 393.60 73.50 Td (sixth ) Tj ET Q q 0 0 0 rg BT 415.23 73.50 Td (year ) Tj ET Q q 0 0 0 rg BT 434.62 73.50 Td (of ) Tj ET Q q 0 0 0 rg BT 445.13 73.50 Td (the ) Tj ET Q q 0 0 0 rg BT 459.53 73.50 Td (note ) Tj ET Q q 0 0 0 rg BT 478.93 73.50 Td (and ) Tj ET Q q 0 0 0 rg BT 495.55 73.50 Td (had ) Tj ET Q q 0 0 0 rg BT 512.17 73.50 Td (a ) Tj ET Q q 0 0 0 rg BT 518.79 73.50 Td (term ) Tj ET Q q 0 0 0 rg BT 539.30 73.50 Td (of ) Tj ET Q q 0 0 0 rg BT 549.81 73.50 Td (ten ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.50 Td (years. ) Tj ET Q q 0 0 0 rg BT 76.10 61.50 Td (In ) Tj ET Q q 0 0 0 rg BT 86.93 61.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 111.93 61.50 Td (the ) Tj ET Q q 0 0 0 rg BT 126.65 61.50 Td (remaining ) Tj ET Q q 0 0 0 rg BT 169.69 61.50 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 223.84 61.50 Td (note ) Tj ET Q q 0 0 0 rg BT 243.56 61.50 Td (with ) Tj ET Q q 0 0 0 rg BT 263.84 61.50 Td (a ) Tj ET Q q 0 0 0 rg BT 270.78 61.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 303.81 61.50 Td (of ) Tj ET Q q 0 0 0 rg BT 314.64 61.50 Td ($10.0 ) Tj ET Q q 0 0 0 rg BT 339.64 61.50 Td (million ) Tj ET Q q 0 0 0 rg BT 371.03 61.50 Td (was ) Tj ET Q q 0 0 0 rg BT 389.08 61.50 Td (paid ) Tj ET Q q 0 0 0 rg BT 408.80 61.50 Td (of) Tj ET Q q 0 0 0 rg BT 416.95 61.50 Td (f ) Tj ET Q q 0 0 0 rg BT 422.78 61.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 444.72 61.50 Td (to ) Tj ET Q q 0 0 0 rg BT 455.00 61.50 Td (maturity) Tj ET Q q 0 0 0 rg BT 488.23 61.50 Td (.) Tj ET Q endstream endobj 139 0 obj <> endobj 140 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (69) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Short-term ) Tj ET Q q 0 0 0 rg BT 95.02 742.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 142.26 742.10 Td (include ) Tj ET Q q 0 0 0 rg BT 173.39 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 212.84 742.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 231.20 742.10 Td (under ) Tj ET Q q 0 0 0 rg BT 255.66 742.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 300.66 742.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 347.89 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.02 742.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 393.46 742.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 417.38 742.10 Td (purchased. ) Tj ET Q q 0 0 0 rg BT 461.98 742.10 Td (These ) Tj ET Q q 0 0 0 rg BT 487.55 742.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 534.79 742.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td ($63.9 ) Tj ET Q q 0 0 0 rg BT 73.75 730.10 Td (million ) Tj ET Q q 0 0 0 rg BT 103.89 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.58 730.10 Td ($48.6 ) Tj ET Q q 0 0 0 rg BT 143.34 730.10 Td (million ) Tj ET Q q 0 0 0 rg BT 173.48 730.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.95 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 239.28 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.28 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 260.53 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.22 730.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.22 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 299.98 730.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 347.64 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 351.39 730.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 392.07 730.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 409.99 730.10 Td (under ) Tj ET Q q 0 0 0 rg BT 434.01 730.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 478.57 730.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 525.36 730.10 Td (represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (sweep ) Tj ET Q q 0 0 0 rg BT 76.31 718.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 112.63 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 125.61 718.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 154.14 718.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 196.01 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.11 718.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 250.31 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 269.41 718.10 Td (master ) Tj ET Q q 0 0 0 rg BT 297.39 718.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 342.02 718.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 388.88 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 397.42 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.96 718.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 435.62 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 445.27 718.10 Td (well ) Tj ET Q q 0 0 0 rg BT 463.81 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 473.47 718.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 516.45 718.10 Td (borrowings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.12 706.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 96.13 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.24 706.10 Td (brokers. ) Tj ET Q q 0 0 0 rg BT 146.41 706.10 Td (In ) Tj ET Q q 0 0 0 rg BT 156.42 706.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 180.60 706.10 Td ($180.0 ) Tj ET Q q 0 0 0 rg BT 209.78 706.10 Td (million ) Tj ET Q q 0 0 0 rg BT 240.35 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.36 706.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 293.69 706.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 340.92 706.10 Td (were ) Tj ET Q q 0 0 0 rg BT 362.03 706.10 Td (paid-of) Tj ET Q q 0 0 0 rg BT 390.73 706.10 Td (f. ) Tj ET Q q 0 0 0 rg BT 398.11 706.10 Td (This ) Tj ET Q q 0 0 0 rg BT 417.57 706.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 450.36 706.10 Td (category ) Tj ET Q q 0 0 0 rg BT 486.46 706.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 523.13 706.10 Td (fluctuates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.31 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.84 694.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 127.04 694.10 Td (preferences ) Tj ET Q q 0 0 0 rg BT 175.65 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.63 694.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 215.16 694.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 251.59 694.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 276.90 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.76 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.52 694.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 330.89 694.10 Td (their ) Tj ET Q q 0 0 0 rg BT 351.75 694.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 394.84 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 411.81 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.57 694.10 Td (banks) Tj ET Q q 0 0 0 rg BT 452.49 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 455.02 694.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 495.33 694.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 547.58 694.10 Td (See ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 71.94 682.10 Td (13 ) Tj ET Q q 0 0 0 rg BT 84.44 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.72 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.43 682.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 164.71 682.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 204.42 682.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 250.80 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 264.96 682.10 Td (further ) Tj ET Q q 0 0 0 rg BT 294.67 682.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 338.84 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.67 682.10 Td (these ) Tj ET Q q 0 0 0 rg BT 372.71 682.10 Td (borrowings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.46 658.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.25 658.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.49 658.10 Td ($268.6 ) Tj ET Q q 0 0 0 rg BT 156.90 658.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.79 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 188.70 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.94 658.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 226.74 658.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 281.30 658.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 327.53 658.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 377.10 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 388.34 658.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.58 658.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 458.57 658.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.57 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 481.48 658.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 523.81 658.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.50 658.10 Td ($249.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 82.53 646.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 132.83 646.10 Td (as ) Tj ET Q q 0 0 0 rg BT 144.80 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.77 646.10 Td (December ) Tj ET Q q 0 0 0 rg BT 201.50 646.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.64 646.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.64 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 243.51 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 262.70 646.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 300.22 646.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 338.83 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 352.47 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.33 646.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 402.50 646.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 426.69 646.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 466.97 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.83 646.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 510.35 646.10 Td (subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 96.17 634.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 124.03 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.67 634.10 Td (eleven ) Tj ET Q q 0 0 0 rg BT 163.62 634.10 Td (trusts ) Tj ET Q q 0 0 0 rg BT 188.15 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 201.00 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.08 634.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 257.82 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.12 634.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 299.63 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.71 634.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 347.56 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.75 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.82 634.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 413.32 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.61 634.10 Td (common ) Tj ET Q q 0 0 0 rg BT 468.47 634.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 509.09 634.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 536.95 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.80 634.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (trusts. ) Tj ET Q q 0 0 0 rg BT 75.48 622.10 Td (The ) Tj ET Q q 0 0 0 rg BT 92.43 622.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 124.37 622.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 163.54 622.10 Td ($19.1 ) Tj ET Q q 0 0 0 rg BT 187.44 622.10 Td (million ) Tj ET Q q 0 0 0 rg BT 217.75 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.93 622.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 248.34 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.08 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 263.93 622.10 Td (result ) Tj ET Q q 0 0 0 rg BT 287.55 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.29 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.92 622.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 345.10 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.84 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.46 622.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 408.20 622.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 437.95 622.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 468.13 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 473.89 622.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 490.30 622.10 Td (II ) Tj ET Q q 0 0 0 rg BT 498.37 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.22 622.10 Td (Community ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.66 610.10 Td (Shares ) Tj ET Q q 0 0 0 rg BT 118.77 610.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 157.71 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 163.46 610.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 180.91 610.10 Td (II ) Tj ET Q q 0 0 0 rg BT 190.02 610.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 226.89 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 237.67 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.56 610.10 Td (part ) Tj ET Q q 0 0 0 rg BT 262.56 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.33 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.00 610.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 338.22 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.00 610.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 389.78 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.67 610.10 Td (CFIS, ) Tj ET Q q 0 0 0 rg BT 432.74 610.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 480.40 610.10 Td (. ) Tj ET Q q 0 0 0 rg BT 485.35 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.80 610.10 Td (See ) Tj ET Q q 0 0 0 rg BT 504.68 610.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 526.57 610.10 Td (14 ) Tj ET Q q 0 0 0 rg BT 539.02 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 610.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 105.69 598.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 145.82 598.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 192.62 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 207.20 598.10 Td (further ) Tj ET Q q 0 0 0 rg BT 237.32 598.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 281.91 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.16 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.29 598.10 Td (Company) Tj ET Q q 0 0 0 rg BT 349.96 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 356.77 598.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 383.57 598.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 438.14 598.10 Td (debentures. ) Tj ET Q q 0 0 0 rg BT 486.88 598.10 Td (Starting ) Tj ET Q q 0 0 0 rg BT 521.46 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 532.15 598.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 557.57 598.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 80.77 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.98 586.10 Td (these ) Tj ET Q q 0 0 0 rg BT 113.41 586.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 139.18 586.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 192.72 586.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 237.92 586.10 Td (still ) Tj ET Q q 0 0 0 rg BT 254.80 586.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 292.23 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 302.30 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 308.06 586.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 320.49 586.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 327.37 586.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 370.35 586.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 398.88 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.09 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.19 586.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 463.96 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.28 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.38 586.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 526.26 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 535.92 586.10 Td (excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.22 574.10 Td (those ) Tj ET Q q 0 0 0 rg BT 85.23 574.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 115.32 574.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 163.50 574.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 194.72 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.39 574.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 235.49 574.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 285.31 574.10 Td (was ) Tj ET Q q 0 0 0 rg BT 303.76 574.10 Td (included ) Tj ET Q q 0 0 0 rg BT 341.09 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 351.55 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 357.31 574.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 370.75 574.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 378.65 574.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 410.05 574.10 Td (At ) Tj ET Q q 0 0 0 rg BT 422.95 574.10 Td (December ) Tj ET Q q 0 0 0 rg BT 466.92 574.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 482.32 574.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 507.71 574.10 Td ($65.1 ) Tj ET Q q 0 0 0 rg BT 533.11 574.10 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.04 562.10 Td ($195.4 ) Tj ET Q q 0 0 0 rg BT 97.15 562.10 Td (million ) Tj ET Q q 0 0 0 rg BT 128.64 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 139.58 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.40 562.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 180.89 562.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 235.15 562.10 Td (debentures, ) Tj ET Q q 0 0 0 rg BT 283.57 562.10 Td (net ) Tj ET Q q 0 0 0 rg BT 298.39 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.32 562.10 Td (common ) Tj ET Q q 0 0 0 rg BT 346.92 562.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 389.79 562.10 Td (were ) Tj ET Q q 0 0 0 rg BT 411.82 562.10 Td (included ) Tj ET Q q 0 0 0 rg BT 448.86 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 459.24 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.06 562.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 521.06 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 526.81 562.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 539.96 562.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 547.57 562.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 550.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 68.51 550.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 75.73 550.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 119.03 550.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 150.39 550.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 198.05 550.10 Td (. ) Tj ET Q q 0 0 0 rg BT 202.76 550.10 Td (Starting ) Tj ET Q q 0 0 0 rg BT 236.64 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 248.85 550.10 Td (January ) Tj ET Q q 0 0 0 rg BT 282.16 550.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 291.87 550.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 316.58 550.10 Td (these ) Tj ET Q q 0 0 0 rg BT 339.34 550.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 365.44 550.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 419.30 550.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 464.83 550.10 Td (no ) Tj ET Q q 0 0 0 rg BT 477.04 550.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 504.80 550.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 535.33 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 545.72 550.10 Td (T) Tj ET Q q 0 0 0 rg BT 551.47 550.10 Td (ier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 56.71 538.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 99.52 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 127.88 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.93 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.86 538.10 Td (Company) Tj ET Q q 0 0 0 rg BT 190.09 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 194.31 538.10 Td (however) Tj ET Q q 0 0 0 rg BT 228.33 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 232.55 538.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 262.58 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 272.08 538.10 Td (other ) Tj ET Q q 0 0 0 rg BT 294.34 538.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 342.98 538.10 Td (they ) Tj ET Q q 0 0 0 rg BT 361.91 538.10 Td (could ) Tj ET Q q 0 0 0 rg BT 385.84 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 396.99 538.10 Td (included ) Tj ET Q q 0 0 0 rg BT 433.14 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 442.51 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 448.26 538.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 460.52 538.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 467.24 538.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 498.10 538.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 529.80 538.10 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 526.10 Td (these ) Tj ET Q q 0 0 0 rg BT 85.55 526.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 131.36 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 140.53 526.10 Td (deductible ) Tj ET Q q 0 0 0 rg BT 184.68 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 198.84 526.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 213.56 526.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 254.11 526.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 291.61 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.88 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 308.82 526.10 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 335.85 526.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 363.89 526.10 Td (form ) Tj ET Q q 0 0 0 rg BT 385.83 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.66 526.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 440.25 526.10 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.30 505.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 123.39 505.10 Td (include ) Tj ET Q q 0 0 0 rg BT 155.35 505.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 175.10 505.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 202.64 505.10 Td (by ) Tj ET Q q 0 0 0 rg BT 215.17 505.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.92 505.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 271.34 505.10 Td (in ) Tj ET Q q 0 0 0 rg BT 281.65 505.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 331.40 505.10 Td (with ) Tj ET Q q 0 0 0 rg BT 351.71 505.10 Td (its ) Tj ET Q q 0 0 0 rg BT 363.69 505.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 398.43 505.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 425.96 505.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 444.05 505.10 Td (of) Tj ET Q q 0 0 0 rg BT 452.20 505.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 478.61 505.10 Td (in ) Tj ET Q q 0 0 0 rg BT 488.92 505.10 Td (December ) Tj ET Q q 0 0 0 rg BT 532.54 505.10 Td (2010, ) Tj ET Q q 0 0 0 rg BT 557.57 505.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 91.71 493.10 Td (promissory ) Tj ET Q q 0 0 0 rg BT 139.55 493.10 Td (note ) Tj ET Q q 0 0 0 rg BT 159.61 493.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 191.88 493.10 Td (into ) Tj ET Q q 0 0 0 rg BT 210.28 493.10 Td (in ) Tj ET Q q 0 0 0 rg BT 220.28 493.10 Td (August ) Tj ET Q q 0 0 0 rg BT 252.01 493.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 274.86 493.10 Td (related ) Tj ET Q q 0 0 0 rg BT 304.90 493.10 Td (to ) Tj ET Q q 0 0 0 rg BT 315.52 493.10 Td (an ) Tj ET Q q 0 0 0 rg BT 327.81 493.10 Td (of) Tj ET Q q 0 0 0 rg BT 335.96 493.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 353.79 493.10 Td (building ) Tj ET Q q 0 0 0 rg BT 389.97 493.10 Td (complex ) Tj ET Q q 0 0 0 rg BT 427.24 493.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 456.75 493.10 Td (by ) Tj ET Q q 0 0 0 rg BT 469.59 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.65 493.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 526.38 493.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.67 493.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 87.36 481.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 111.97 481.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 140.47 481.10 Td (by ) Tj ET Q q 0 0 0 rg BT 153.97 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.68 481.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 212.06 481.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.34 481.10 Td (other ) Tj ET Q q 0 0 0 rg BT 247.38 481.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 274.21 481.10 Td (related ) Tj ET Q q 0 0 0 rg BT 304.91 481.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.19 481.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 346.89 481.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 377.04 481.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 406.91 481.10 Td (In ) Tj ET Q q 0 0 0 rg BT 418.74 481.10 Td (December ) Tj ET Q q 0 0 0 rg BT 463.32 481.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 489.32 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.03 481.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 525.75 481.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 554.24 481.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 99.62 469.10 Td (with ) Tj ET Q q 0 0 0 rg BT 119.81 469.10 Td (its ) Tj ET Q q 0 0 0 rg BT 131.67 469.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 166.29 469.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 193.70 469.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 211.67 469.10 Td (of) Tj ET Q q 0 0 0 rg BT 219.82 469.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 246.11 469.10 Td (was ) Tj ET Q q 0 0 0 rg BT 264.07 469.10 Td (paid-of) Tj ET Q q 0 0 0 rg BT 292.77 469.10 Td (f ) Tj ET Q q 0 0 0 rg BT 298.51 469.10 Td (at ) Tj ET Q q 0 0 0 rg BT 308.13 469.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 341.37 469.10 Td (. ) Tj ET Q q 0 0 0 rg BT 345.75 469.10 Td (At ) Tj ET Q q 0 0 0 rg BT 358.16 469.10 Td (December ) Tj ET Q q 0 0 0 rg BT 401.65 469.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 416.56 469.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 441.47 469.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.10 469.10 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 497.38 469.10 Td (promissory ) Tj ET Q q 0 0 0 rg BT 544.79 469.10 Td (note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (related ) Tj ET Q q 0 0 0 rg BT 80.18 457.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.93 457.10 Td (an ) Tj ET Q q 0 0 0 rg BT 103.34 457.10 Td (of) Tj ET Q q 0 0 0 rg BT 111.49 457.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 129.45 457.10 Td (building ) Tj ET Q q 0 0 0 rg BT 165.76 457.10 Td (complex ) Tj ET Q q 0 0 0 rg BT 203.16 457.10 Td (had ) Tj ET Q q 0 0 0 rg BT 220.58 457.10 Td (an ) Tj ET Q q 0 0 0 rg BT 232.99 457.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 282.63 457.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 316.13 457.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.44 457.10 Td ($18.3 ) Tj ET Q q 0 0 0 rg BT 352.91 457.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.80 457.10 Td ( ) Tj ET Q q 0 0 0 rg BT 384.78 457.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 427.17 457.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.92 457.10 Td ($18.8 ) Tj ET Q q 0 0 0 rg BT 463.40 457.10 Td (million ) Tj ET Q q 0 0 0 rg BT 495.26 457.10 Td (at ) Tj ET Q q 0 0 0 rg BT 505.45 457.10 Td (December ) Tj ET Q q 0 0 0 rg BT 549.51 457.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 75.00 445.10 Td (See ) Tj ET Q q 0 0 0 rg BT 91.94 445.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 117.77 445.10 Td (13 ) Tj ET Q q 0 0 0 rg BT 130.27 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.21 445.10 Td (22 ) Tj ET Q q 0 0 0 rg BT 159.71 445.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.99 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.70 445.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 239.98 445.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 279.69 445.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 326.07 445.10 Td (in ) Tj ET Q q 0 0 0 rg BT 336.35 445.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 357.17 445.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 364.67 445.10 Td (for ) Tj ET Q q 0 0 0 rg BT 378.83 445.10 Td (further ) Tj ET Q q 0 0 0 rg BT 408.54 445.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 452.71 445.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.54 445.10 Td (these ) Tj ET Q q 0 0 0 rg BT 486.59 445.10 Td (borrowings.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (Shar) Tj ET Q q 0 0 0 rg BT 68.52 424.10 Td (eholders) Tj ET Q q 0 0 0 rg BT 105.18 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.91 424.10 Td (Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.01 424.10 Td (. ) Tj ET Q q 0 0 0 rg BT 139.04 424.10 Td (T) Tj ET Q q 0 0 0 rg BT 144.45 424.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 162.17 424.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 215.30 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 218.03 424.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 245.75 424.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.03 424.10 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 284.25 424.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.37 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 313.09 424.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.04 424.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 381.85 424.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.85 424.10 Td (, ) Tj ET Q q 0 0 0 rg BT 407.08 424.10 Td (an ) Tj ET Q q 0 0 0 rg BT 419.24 424.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 454.72 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.78 424.10 Td ($282.5 ) Tj ET Q q 0 0 0 rg BT 496.01 424.10 Td (million ) Tj ET Q q 0 0 0 rg BT 527.63 424.10 Td (from ) Tj ET Q q 0 0 0 rg BT 549.79 424.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 109.11 412.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.11 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 132.13 412.10 Td (total ) Tj ET Q q 0 0 0 rg BT 152.92 412.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.27 412.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 184.79 412.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.91 412.10 Td (. ) Tj ET Q q 0 0 0 rg BT 216.21 412.10 Td (The ) Tj ET Q q 0 0 0 rg BT 234.78 412.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 270.55 412.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.35 412.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.35 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 304.38 412.10 Td (was ) Tj ET Q q 0 0 0 rg BT 322.95 412.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 363.18 412.10 Td (a ) Tj ET Q q 0 0 0 rg BT 370.64 412.10 Td (result ) Tj ET Q q 0 0 0 rg BT 395.88 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.23 412.10 Td (net ) Tj ET Q q 0 0 0 rg BT 422.47 412.10 Td (income ) Tj ET Q q 0 0 0 rg BT 454.93 412.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.28 412.10 Td ($156.7 ) Tj ET Q q 0 0 0 rg BT 496.80 412.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.69 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.71 412.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 412.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 412.10 Td (, ) Tj ET Q q 0 0 0 rg BT 564.51 412.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td ($120.8 ) Tj ET Q q 0 0 0 rg BT 80.30 400.10 Td (million ) Tj ET Q q 0 0 0 rg BT 111.99 400.10 Td (from ) Tj ET Q q 0 0 0 rg BT 134.22 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.24 400.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 185.91 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.04 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.06 400.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 239.29 400.10 Td (D ) Tj ET Q q 0 0 0 rg BT 249.31 400.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 289.31 400.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 317.38 400.10 Td (net ) Tj ET Q q 0 0 0 rg BT 332.40 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 343.53 400.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 368.82 400.10 Td ($38.7 ) Tj ET Q q 0 0 0 rg BT 394.12 400.10 Td (million ) Tj ET Q q 0 0 0 rg BT 425.81 400.10 Td (from ) Tj ET Q q 0 0 0 rg BT 448.05 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.06 400.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 499.74 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.86 400.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 538.65 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 400.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 98.25 388.10 Td (common ) Tj ET Q q 0 0 0 rg BT 136.92 388.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 161.70 388.10 Td (related ) Tj ET Q q 0 0 0 rg BT 192.57 388.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.02 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.91 388.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 267.46 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.46 388.10 Td (CFIS ) Tj ET Q q 0 0 0 rg BT 304.25 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.36 388.10 Td (Delavan, ) Tj ET Q q 0 0 0 rg BT 361.85 388.10 Td ($13.8 ) Tj ET Q q 0 0 0 rg BT 388.02 388.10 Td (million ) Tj ET Q q 0 0 0 rg BT 420.58 388.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.69 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.58 388.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 497.13 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.13 388.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 537.79 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 388.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.72 376.10 Td (common ) Tj ET Q q 0 0 0 rg BT 135.85 376.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 160.10 376.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 181.01 376.10 Td (related ) Tj ET Q q 0 0 0 rg BT 211.35 376.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 226.71 376.10 Td (benefit\) ) Tj ET Q q 0 0 0 rg BT 260.94 376.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 298.52 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 309.44 376.10 Td (various ) Tj ET Q q 0 0 0 rg BT 342.02 376.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 366.26 376.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 424.95 376.10 Td (plans, ) Tj ET Q q 0 0 0 rg BT 451.69 376.10 Td (net ) Tj ET Q q 0 0 0 rg BT 467.05 376.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.52 376.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 513.87 376.10 Td (shares, ) Tj ET Q q 0 0 0 rg BT 544.50 376.10 Td ($9.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (million ) Tj ET Q q 0 0 0 rg BT 81.40 364.10 Td (credited ) Tj ET Q q 0 0 0 rg BT 116.11 364.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.40 364.10 Td (surplus ) Tj ET Q q 0 0 0 rg BT 157.80 364.10 Td (for ) Tj ET Q q 0 0 0 rg BT 171.97 364.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 221.69 364.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 279.74 364.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 302.25 364.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.20 364.10 Td ($324,000 ) Tj ET Q q 0 0 0 rg BT 359.21 364.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 370.05 371.03 194.46 -9.09 re f /GS0 gs q 0 0 0 rg BT 370.05 364.10 Td (net ) Tj ET Q q 0 0 0 rg BT 384.78 364.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 428.93 364.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 452.54 364.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.05 364.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 485.33 364.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 506.17 364.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 538.95 364.10 Td (net ) Tj ET Q q 0 0 0 rg BT 553.68 364.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 50.00 359.03 17.42 -9.09 re f /GS0 gs q 0 0 0 rg BT 50.00 352.10 Td (tax, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.42 352.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 103.44 352.10 Td (of) Tj ET Q q 0 0 0 rg BT 111.58 352.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 128.72 352.10 Td (by ) Tj ET Q q 0 0 0 rg BT 141.42 352.10 Td (common ) Tj ET Q q 0 0 0 rg BT 179.12 352.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 202.92 352.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 244.51 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.54 352.10 Td ($21.1 ) Tj ET Q q 0 0 0 rg BT 280.74 352.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 314.83 352.10 Td ($17.6 ) Tj ET Q q 0 0 0 rg BT 340.03 352.10 Td (million ) Tj ET Q q 0 0 0 rg BT 371.62 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.65 352.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 414.22 352.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 451.90 352.10 Td (translation ) Tj ET Q q 0 0 0 rg BT 496.81 352.10 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 549.78 352.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.59 340.10 Td (tax, ) Tj ET Q q 0 0 0 rg BT 77.56 340.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 116.45 340.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 139.82 340.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 180.96 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.55 340.10 Td ($10.9 ) Tj ET Q q 0 0 0 rg BT 216.31 340.10 Td (million ) Tj ET Q q 0 0 0 rg BT 247.46 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.15 340.10 Td ( ) Tj ET Q q 0 0 0 rg BT 266.41 340.10 Td ($8.1 ) Tj ET Q q 0 0 0 rg BT 286.17 340.10 Td (million ) Tj ET Q q 0 0 0 rg BT 317.32 340.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.35 340.10 Td (net ) Tj ET Q q 0 0 0 rg BT 341.83 340.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 385.73 340.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 411.87 340.10 Td (from ) Tj ET Q q 0 0 0 rg BT 433.57 340.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 479.71 340.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 522.23 340.10 Td (net ) Tj ET Q q 0 0 0 rg BT 536.70 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.29 340.10 Td (tax) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 559.51 347.03 2.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 559.51 340.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 50.00 326.03 149.85 -9.09 re f /GS0 gs q 0 0 0 rg BT 50.00 319.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 86.45 319.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.25 319.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 149.37 319.10 Td ( ) Tj ET Q q 0 0 0 rg BT 151.39 319.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 178.40 319.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 199.85 326.03 20.00 -9.09 re f /GS0 gs q 0 0 0 rg BT 199.85 319.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 219.85 326.03 11.81 -9.09 re f /GS0 gs q 0 0 0 rg BT 219.85 319.10 Td ( ) Tj ET Q q 0 0 0 rg BT 221.87 319.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 231.66 326.03 20.00 -9.09 re f /GS0 gs q 0 0 0 rg BT 231.66 319.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 251.66 326.03 23.46 -9.09 re f /GS0 gs q 0 0 0 rg BT 251.66 319.10 Td ( ) Tj ET Q q 0 0 0 rg BT 253.68 319.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.12 319.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 314.35 319.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.80 319.10 Td (result ) Tj ET Q q 0 0 0 rg BT 345.04 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.38 319.10 Td (net ) Tj ET Q q 0 0 0 rg BT 369.62 319.10 Td (income ) Tj ET Q q 0 0 0 rg BT 401.06 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.41 319.10 Td ($151.4 ) Tj ET Q q 0 0 0 rg BT 440.93 319.10 Td (million ) Tj ET Q q 0 0 0 rg BT 471.83 319.10 Td (in ) Tj ET Q q 0 0 0 rg BT 481.63 319.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 506.14 319.10 Td (net ) Tj ET Q q 0 0 0 rg BT 520.38 319.10 Td (unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 73.88 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.98 307.10 Td ($44.1 ) Tj ET Q q 0 0 0 rg BT 110.25 307.10 Td (million ) Tj ET Q q 0 0 0 rg BT 141.91 307.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.69 307.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 201.34 307.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 244.37 307.10 Td (net ) Tj ET Q q 0 0 0 rg BT 259.36 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.46 307.10 Td (tax, ) Tj ET Q q 0 0 0 rg BT 287.95 307.10 Td ($9.9 ) Tj ET Q q 0 0 0 rg BT 308.22 307.10 Td (million ) Tj ET Q q 0 0 0 rg BT 339.88 307.10 Td (from ) Tj ET Q q 0 0 0 rg BT 362.09 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.08 307.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 413.73 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.83 307.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 452.59 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.69 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.68 307.10 Td (Company) Tj ET Q q 0 0 0 rg BT 520.34 307.10 Td (s ) Tj ET Q q 0 0 0 rg BT 527.01 307.10 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 73.50 295.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 93.65 295.10 Td (related ) Tj ET Q q 0 0 0 rg BT 123.24 295.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 137.85 295.10 Td (benefit\) ) Tj ET Q q 0 0 0 rg BT 171.33 295.10 Td (related ) Tj ET Q q 0 0 0 rg BT 200.92 295.10 Td (to ) Tj ET Q q 0 0 0 rg BT 211.08 295.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 261.25 295.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.07 295.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 314.90 295.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.06 295.10 Td (various ) Tj ET Q q 0 0 0 rg BT 356.89 295.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 380.39 295.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 438.32 295.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 461.81 295.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.64 295.10 Td ($7.8 ) Tj ET Q q 0 0 0 rg BT 498.53 295.10 Td (million ) Tj ET Q q 0 0 0 rg BT 529.80 295.10 Td (credited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.05 283.10 Td (surplus ) Tj ET Q q 0 0 0 rg BT 93.21 283.10 Td (for ) Tj ET Q q 0 0 0 rg BT 108.14 283.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 158.62 283.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 217.43 283.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 243.20 283.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 279.79 283.10 Td (of) Tj ET Q q 0 0 0 rg BT 287.94 283.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 305.65 283.10 Td (by ) Tj ET Q q 0 0 0 rg BT 318.92 283.10 Td (common ) Tj ET Q q 0 0 0 rg BT 357.19 283.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 381.57 283.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 423.72 283.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.32 283.10 Td ($18.6 ) Tj ET Q q 0 0 0 rg BT 461.09 283.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 495.76 283.10 Td ($18.6 ) Tj ET Q q 0 0 0 rg BT 521.53 283.10 Td (million ) Tj ET Q q 0 0 0 rg BT 553.69 283.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 82.92 271.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 121.93 271.10 Td (translation ) Tj ET Q q 0 0 0 rg BT 168.18 271.10 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 222.49 271.10 Td (net ) Tj ET Q q 0 0 0 rg BT 238.75 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.11 271.10 Td (tax, ) Tj ET Q q 0 0 0 rg BT 269.87 271.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 310.54 271.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 335.69 271.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 378.61 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.98 271.10 Td ($6.3 ) Tj ET Q q 0 0 0 rg BT 412.52 271.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 447.95 271.10 Td ($549,000 ) Tj ET Q q 0 0 0 rg BT 489.49 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.86 271.10 Td (common ) Tj ET Q q 0 0 0 rg BT 540.89 271.10 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 100.81 259.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 110.81 266.03 332.70 -9.09 re f /GS0 gs q 0 0 0 rg BT 110.81 259.10 Td ( ) Tj ET Q q 0 0 0 rg BT 113.31 259.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.02 259.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 169.41 259.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.35 259.10 Td ($55,000 ) Tj ET Q q 0 0 0 rg BT 221.35 259.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.63 259.10 Td (net ) Tj ET Q q 0 0 0 rg BT 246.34 259.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 290.48 259.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 316.88 259.10 Td (on ) Tj ET Q q 0 0 0 rg BT 329.38 259.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 349.64 259.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 370.47 259.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 403.24 259.10 Td (net ) Tj ET Q q 0 0 0 rg BT 417.96 259.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.79 259.10 Td (tax.) Tj ET Q endstream endobj 141 0 obj <> endobj 142 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (70) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (LOAN POR) Tj ET Q q 0 0 0 rg BT 102.15 742.25 Td (TFOLIO ) Tj ET Q q 0 0 0 rg BT 142.99 742.25 Td (AND ) Tj ET Q q 0 0 0 rg BT 166.61 742.25 Td (ASSET) Tj ET Q q 0 0 0 rg BT 198.11 742.25 Td ( QUALITY) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Loan Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 700.25 Td (following ) Tj ET Q q 0 0 0 rg BT 108.68 700.25 Td (table ) Tj ET Q q 0 0 0 rg BT 130.23 700.25 Td (shows ) Tj ET Q q 0 0 0 rg BT 157.36 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 171.70 700.25 Td (Company) Tj ET Q q 0 0 0 rg BT 213.36 700.25 Td (s ) Tj ET Q q 0 0 0 rg BT 219.38 700.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 238.71 700.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 275.83 700.25 Td (by ) Tj ET Q q 0 0 0 rg BT 287.95 700.25 Td (category ) Tj ET Q q 0 0 0 rg BT 324.50 700.25 Td (as ) Tj ET Q q 0 0 0 rg BT 334.95 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 345.40 700.25 Td (December31 ) Tj ET Q q 0 0 0 rg BT 401.11 700.25 Td (for ) Tj ET Q q 0 0 0 rg BT 414.89 700.25 Td (each ) Tj ET Q q 0 0 0 rg BT 435.32 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 445.78 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.11 700.25 Td (five ) Tj ET Q q 0 0 0 rg BT 477.78 700.25 Td (previous ) Tj ET Q q 0 0 0 rg BT 514.34 700.25 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 538.12 700.25 Td (years:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 689.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 639.95 107.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 639.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 639.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 639.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 639.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 639.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 639.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 639.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 639.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 639.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 639.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 639.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 613.95 107.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 613.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 613.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 613.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 613.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 613.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 613.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 613.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 613.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 613.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 613.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 613.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 587.95 107.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 587.95 47.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 587.95 26.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 587.95 47.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 587.95 26.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 587.95 47.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 587.95 26.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 587.95 47.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 587.95 26.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 587.95 47.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 587.95 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 587.95 26.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 545.95 107.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 545.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 545.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 545.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 545.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 545.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 545.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 545.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 545.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 545.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 545.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 545.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 503.95 107.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 503.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 503.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 503.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 293.50 503.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 503.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 503.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 503.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 451.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 503.95 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 503.95 47.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.50 503.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 536.50 503.95 26.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 678.95 m 157.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.5 678.95 m 161.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 678.95 m 208.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 678.95 m 212.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 678.95 m 238.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 678.95 m 242.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 678.95 m 289.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 665.95 m 289.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 678.95 m 293.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 665.95 m 293.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 678.95 m 319.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 665.95 m 319.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 678.95 m 323.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 665.95 m 323.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 678.95 m 370.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 665.95 m 370.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 678.95 m 374.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 665.95 m 374.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 678.95 m 400.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 665.95 m 400.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 678.95 m 404.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 665.95 m 404.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 678.95 m 451.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 665.95 m 451.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 678.95 m 455.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 665.95 m 455.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 678.95 m 481.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 665.95 m 481.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 678.95 m 485.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 665.95 m 485.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 678.95 m 532.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 665.95 m 532.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 678.95 m 536.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 665.95 m 536.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 678.95 m 562.5 678.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 665.95 m 562.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 665.95 m 208.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 665.95 m 212.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 665.95 m 238.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 665.95 m 242.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 665.95 m 289.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 665.95 m 293.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 665.95 m 319.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 665.95 m 323.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 665.95 m 370.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 665.95 m 374.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 665.95 m 400.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 665.95 m 404.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 665.95 m 451.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 665.95 m 455.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 665.95 m 481.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 665.95 m 485.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 665.95 m 532.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 665.95 m 536.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 665.95 m 562.5 665.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 639.95 m 157.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.5 639.95 m 161.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 639.95 m 208.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 639.95 m 212.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 639.95 m 238.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 639.95 m 242.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 639.95 m 289.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 639.95 m 293.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 639.95 m 319.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 639.95 m 323.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 639.95 m 370.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 639.95 m 374.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 639.95 m 400.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 639.95 m 404.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 639.95 m 451.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 639.95 m 455.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 639.95 m 481.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 639.95 m 485.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 639.95 m 532.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 639.95 m 536.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 639.95 m 562.5 639.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 532.95 m 208.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 532.95 m 212.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 532.95 m 238.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 532.95 m 242.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 532.95 m 289.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 532.95 m 293.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 532.95 m 319.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 532.95 m 323.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 532.95 m 370.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 532.95 m 374.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 532.95 m 400.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 532.95 m 404.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 532.95 m 451.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 532.95 m 455.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 532.95 m 481.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 532.95 m 485.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 532.95 m 532.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 532.95 m 536.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 532.95 m 562.5 532.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 477.95 m 157.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 157.5 477.95 m 161.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 490.95 m 208.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 477.95 m 208.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 490.95 m 212.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 477.95 m 212.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 490.95 m 238.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 477.95 m 238.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 490.95 m 242.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 238.5 477.95 m 242.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 490.95 m 289.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 477.95 m 289.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 490.95 m 293.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 477.95 m 293.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 490.95 m 319.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 293.5 477.95 m 319.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 490.95 m 323.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 477.95 m 323.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 490.95 m 370.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 477.95 m 370.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 490.95 m 374.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 477.95 m 374.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 490.95 m 400.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 477.95 m 400.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 490.95 m 404.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 477.95 m 404.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 490.95 m 451.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 477.95 m 451.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 490.95 m 455.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 451.5 477.95 m 455.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 490.95 m 481.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 477.95 m 481.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 490.95 m 485.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 477.95 m 485.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 490.95 m 532.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 477.95 m 532.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 490.95 m 536.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532.5 477.95 m 536.5 477.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 490.95 m 562.5 490.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 536.5 477.95 m 562.5 477.95 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 670.20 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 191.50 670.18 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.50 670.20 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.50 670.20 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.50 670.20 Td (2012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.60 670.20 Td (2011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 657.20 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 164.00 657.20 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.65 657.18 Td (% of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.00 657.20 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.30 657.20 Td (% of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 657.20 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 657.20 Td (% of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 657.20 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 657.20 Td (% of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.00 657.20 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 657.20 Td (% of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 644.20 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 170.45 644.18 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.25 644.18 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.35 644.20 Td (Amount) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.80 644.20 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.35 644.20 Td (Amount) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.80 644.20 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.35 644.20 Td (Amount) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.80 644.20 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.35 644.20 Td (Amount) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 644.20 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 631.90 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 164.00 631.18 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.25 631.18 Td (4,713,909) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.00 631.18 Td (27) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.00 631.18 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.00 631.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 631.20 Td (3,924,394) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 631.20 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.30 631.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 631.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 631.20 Td (3,253,687) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 631.20 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.30 631.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 631.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.25 631.20 Td (2,914,798) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.30 631.20 Td (24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 474.30 631.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.00 631.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.25 631.20 Td (2,498,313) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 631.20 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 631.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 618.90 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.25 618.18 Td (5,529,289) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.00 618.18 Td (32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 618.20 Td (4,505,753) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 618.20 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 618.20 Td (4,230,035) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 618.20 Td (32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.25 618.20 Td (3,864,118) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.30 618.20 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.25 618.20 Td (3,514,261) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 618.20 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 605.90 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 179.25 605.18 Td (784,675) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 226.00 605.18 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.25 605.20 Td (716,293) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 605.20 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.25 605.20 Td (719,137) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.30 605.20 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.25 605.20 Td (788,474) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.30 605.20 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.25 605.20 Td (862,345) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 605.20 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 592.90 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 179.25 592.18 Td (607,451) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 226.00 592.18 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.25 592.20 Td (483,542) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 592.20 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.25 592.20 Td (434,992) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.30 592.20 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.25 592.20 Td (367,213) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.30 592.20 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.25 592.20 Td (350,289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 592.20 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 579.90 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 571.90 Td (commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.25 571.18 Td (2,374,921) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.00 571.18 Td (14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 571.20 Td (2,350,833) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 571.20 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 571.20 Td (2,167,565) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 571.20 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.25 571.20 Td (1,987,856) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.30 571.20 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.25 571.20 Td (1,412,454) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 571.20 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 558.90 Td (Premiumfinancereceivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 550.90 Td (lifeinsurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 173.25 550.18 Td (2,961,496) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.00 550.18 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 550.20 Td (2,277,571) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 550.20 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.25 550.20 Td (1,923,698) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 550.20 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.25 550.20 Td (1,725,166) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.30 550.20 Td (14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.25 550.20 Td (1,695,225) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 550.20 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 537.90 Td (Other loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 179.25 537.18 Td (146,376) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 226.00 537.18 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.25 537.20 Td (151,012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 537.20 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.25 537.20 Td (167,488) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.30 537.20 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.25 537.20 Td (181,318) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.30 537.20 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.25 537.20 Td (188,490) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 537.20 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 524.90 Td (T) Tj ET Q q 0 0 0 rg BT 63.33 524.90 Td (otalloans,netofunearned) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 516.90 Td (income,excluding ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 508.90 Td (coveredloans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 164.00 508.18 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 169.25 508.18 Td (17,118,117) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.00 508.18 Td (99) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.00 508.18 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.00 508.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.25 508.20 Td (14,409,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 508.20 Td (98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.30 508.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 508.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.25 508.20 Td (12,896,602) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.30 508.20 Td (97) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.30 508.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 508.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.25 508.20 Td (11,828,943) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.30 508.20 Td (96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 474.30 508.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.00 508.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.25 508.20 Td (10,521,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 508.20 Td (94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 508.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 495.90 Td (Covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 179.25 495.18 Td (148,673) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 226.00 495.18 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.25 495.20 Td (226,709) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 495.20 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.25 495.20 Td (346,431) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.30 495.20 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.25 495.20 Td (560,087) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.30 495.20 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.25 495.20 Td (651,368) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 495.20 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 482.90 Td (Total loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 164.00 482.18 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 169.25 482.18 Td (17,266,790) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 218.00 482.18 Td (100) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.00 482.18 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.00 482.20 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.25 482.20 Td (14,636,107) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.30 482.20 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.30 482.20 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 482.20 Td ($) Tj ET Q BT /F1 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 343.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 317.80 179.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 317.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 317.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 317.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 317.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 317.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 317.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 317.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 317.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 317.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 317.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 291.80 179.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 291.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 291.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 291.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 291.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 291.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 291.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 291.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 291.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 291.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 291.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 265.80 179.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 265.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 265.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 265.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 265.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 265.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 265.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 265.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 265.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 265.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 265.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 239.80 179.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 239.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 239.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 239.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 239.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 239.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 239.80 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 239.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 239.80 63.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 239.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 239.80 63.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 684.8 m 229.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 684.8 m 233.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 684.8 m 295.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 684.8 m 299.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 684.8 m 362.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 684.8 m 366.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 684.8 m 428.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 684.8 m 432.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 684.8 m 495.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 684.8 m 499.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 684.8 m 562.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 655.8 m 229.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 655.8 m 233.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 655.8 m 295.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 655.8 m 299.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 655.8 m 362.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 655.8 m 366.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 655.8 m 428.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 655.8 m 432.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 655.8 m 495.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 655.8 m 499.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 655.8 m 562.5 655.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 512.8 m 229.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 499.79999999999995 m 229.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 512.8 m 233.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 499.79999999999995 m 233.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 512.8 m 295.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 499.79999999999995 m 295.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 512.8 m 299.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 499.79999999999995 m 299.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 512.8 m 362.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 499.79999999999995 m 362.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 512.8 m 366.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 499.79999999999995 m 366.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 512.8 m 428.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 499.79999999999995 m 428.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 512.8 m 432.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 499.79999999999995 m 432.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 512.8 m 495.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 499.79999999999995 m 495.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 512.8 m 499.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 499.79999999999995 m 499.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 512.8 m 562.5 512.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 499.79999999999995 m 562.5 499.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 369.79999999999995 m 229.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 369.79999999999995 m 229.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 356.79999999999995 m 229.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 369.79999999999995 m 233.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 369.79999999999995 m 295.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 369.79999999999995 m 299.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 369.79999999999995 m 362.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 369.79999999999995 m 366.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 369.79999999999995 m 428.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 356.79999999999995 m 428.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 369.79999999999995 m 432.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 356.79999999999995 m 432.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 369.79999999999995 m 495.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 356.79999999999995 m 495.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 369.79999999999995 m 499.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 369.79999999999995 m 562.5 369.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 356.79999999999995 m 229.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 343.79999999999995 m 229.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 356.79999999999995 m 233.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 343.79999999999995 m 233.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 356.79999999999995 m 295.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 343.79999999999995 m 295.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 356.79999999999995 m 299.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 343.79999999999995 m 299.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 356.79999999999995 m 362.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 343.79999999999995 m 362.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 356.79999999999995 m 366.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 343.79999999999995 m 366.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 356.79999999999995 m 428.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 343.79999999999995 m 428.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 356.79999999999995 m 432.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 343.79999999999995 m 432.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 356.79999999999995 m 495.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 343.79999999999995 m 495.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 356.79999999999995 m 499.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 343.79999999999995 m 499.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 356.79999999999995 m 562.5 356.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 343.79999999999995 m 562.5 343.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 304.79999999999995 m 295.5 304.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 291.79999999999995 m 295.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 304.79999999999995 m 299.5 304.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 291.79999999999995 m 299.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 304.79999999999995 m 362.5 304.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 291.79999999999995 m 362.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 226.79999999999995 m 229.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 226.79999999999995 m 233.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 239.79999999999995 m 295.5 239.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 226.79999999999995 m 295.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 239.79999999999995 m 299.5 239.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 226.79999999999995 m 299.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 239.79999999999995 m 362.5 239.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 226.79999999999995 m 362.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 226.79999999999995 m 366.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 226.79999999999995 m 428.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 226.79999999999995 m 432.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 226.79999999999995 m 495.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 226.79999999999995 m 499.5 226.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 226.79999999999995 m 562.5 226.79999999999995 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 668.18 Td (As of December) Tj ET Q q 0 0 0 rg BT 107.05 668.18 Td (31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 660.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 250.40 660.03 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 322.15 668.03 Td (% of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.20 660.03 Td (T) Tj ET Q q 0 0 0 rg BT 311.80 660.03 Td (otalBalance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.85 660.03 Td (Non-accrual) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.75 676.03 Td (>90Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.80 668.03 Td (PastDueand) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.05 660.03 Td (Still) Tj ET Q q 0 0 0 rg BT 455.39 660.03 Td (Accruing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.70 676.03 Td (Allowance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.30 668.03 Td (For) Tj ET Q q 0 0 0 rg BT 514.59 668.03 Td (LoanLosses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.90 660.03 Td (Allocation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 647.88 Td (Commercial:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 634.75 Td (Commercial and industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.00 634.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.25 634.05 Td (2,851,354) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.00 634.05 Td (27.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.30 634.05 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.00 634.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.30 634.05 Td (12,416) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.00 634.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.30 634.05 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.00 634.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 634.05 Td (23,457) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 621.75 Td (Franchise) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 621.05 Td (245,228) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 621.05 Td (2.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 621.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 621.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 621.05 Td (3,086) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 608.75 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 608.05 Td (222,806) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 608.05 Td (2.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 608.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 608.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 608.05 Td (1,628) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 595.75 Td (Community Advantage homeowner associations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 595.05 Td (130,986) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 595.05 Td (1.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 595.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 595.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 595.05 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 582.75 Td (Aircraft) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.30 582.05 Td (5,327) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 582.05 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.30 582.05 Td (288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 582.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 582.05 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 569.75 Td (Asset-based lending) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 569.05 Td (742,684) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 569.05 Td (7.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 569.05 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 569.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 569.05 Td (5,859) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 556.75 Td (Tax exempt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 556.05 Td (267,273) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 556.05 Td (2.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 556.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 556.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 556.05 Td (1,759) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 543.75 Td (Leases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 543.05 Td (226,074) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 543.05 Td (2.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 543.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 543.05 Td (535) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 543.05 Td (232) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 530.75 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.30 530.05 Td (3,588) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.00 530.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 530.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 530.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 530.05 Td (20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 517.75 Td (PCI - commercial loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 136.76 521.38 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.30 517.05 Td (18,589) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 517.05 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 517.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 517.05 Td (892) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 517.05 Td (84) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 71.00 504.88 Td (Total commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.00 504.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.25 504.03 Td (4,713,909) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 340.00 504.03 Td (46.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.00 504.03 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.00 504.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 403.30 504.03 Td (12,712) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.00 504.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.30 504.03 Td (1,433) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.00 504.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.30 504.03 Td (36,135) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 491.88 Td (Commercial Real Estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 478.75 Td (Residential construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.00 478.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.30 478.05 Td (70,381) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 478.05 Td (0.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.30 478.05 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.00 478.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.30 478.05 Td (273) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.00 478.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 478.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.00 478.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 478.05 Td (895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 465.75 Td (Commercial construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 465.05 Td (288,279) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 465.05 Td (2.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 465.05 Td (33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 465.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 465.05 Td (3,018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 452.75 Td (Land) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.30 452.05 Td (78,417) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 452.05 Td (0.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 452.05 Td (1,751) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 452.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 452.05 Td (2,467) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 439.75 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 439.05 Td (863,001) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 439.05 Td (8.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 439.05 Td (4,619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 439.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 439.05 Td (5,890) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 426.75 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 426.05 Td (727,648) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 426.05 Td (7.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 426.05 Td (9,564) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 426.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 426.05 Td (6,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 413.75 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 413.05 Td (868,399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 413.05 Td (8.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 413.05 Td (1,760) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 413.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 413.05 Td (5,597) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 400.75 Td (Multi-family) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 400.05 Td (742,349) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 400.05 Td (7.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 400.05 Td (1,954) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 400.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 400.05 Td (7,356) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 387.75 Td (Mixed use and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.25 387.05 Td (1,732,816) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.00 387.05 Td (16.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 387.05 Td (6,691) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 387.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 387.05 Td (11,809) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 374.75 Td (PCI - commercial real estate ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 152.07 378.38 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 374.05 Td (157,999) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 374.05 Td (1.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 374.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.30 374.05 Td (22,111) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 374.05 Td (349) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 71.00 361.88 Td (Total commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.00 361.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.25 361.03 Td (5,529,289) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 340.00 361.03 Td (53.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.00 361.03 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.00 361.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 403.30 361.03 Td (26,645) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.00 361.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.30 361.03 Td (22,111) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.00 361.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.30 361.03 Td (43,758) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 71.00 348.88 Td (Total commercial and commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.00 348.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.25 348.03 Td (10,243,198) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 336.00 348.03 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.00 348.03 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.00 348.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 403.30 348.03 Td (39,357) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.00 348.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.30 348.03 Td (23,544) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 502.00 348.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.30 348.03 Td (79,893) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 335.75 Td (Commercial real estatecollateral location by state:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 322.75 Td (Illinois) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.00 322.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.25 322.05 Td (4,455,287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.00 322.05 Td (80.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.30 322.05 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 309.75 Td (Wisconsin) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 309.05 Td (581,844) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.00 309.05 Td (10.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 71.00 296.88 Td (Total primary markets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.00 296.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.25 296.03 Td (5,037,131) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 340.00 296.03 Td (91.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.00 296.03 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 283.75 Td (Florida) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.30 283.05 Td (55,631) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 283.05 Td (1.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 270.75 Td (California) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.30 270.05 Td (64,018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 270.05 Td (1.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 257.75 Td (Indiana) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 257.05 Td (129,467) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 257.05 Td (2.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 244.75 Td (Other \(no individual state greater than 0.7%\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.30 244.05 Td (243,042) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 244.05 Td (4.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 71.00 231.88 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.00 231.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.25 231.03 Td (5,529,289) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 336.00 231.03 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.00 231.03 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 215.30 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 215.30 Td (PCI ) Tj ET Q q 0 0 0 rg BT 99.70 215.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.50 215.30 Td (r) Tj ET Q q 0 0 0 rg BT 128.02 215.30 Td (epr) Tj ET Q q 0 0 0 rg BT 140.98 215.30 Td (esent ) Tj ET Q q 0 0 0 rg BT 164.67 215.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 189.47 215.30 Td (acquir) Tj ET Q q 0 0 0 rg BT 215.21 215.30 Td (ed ) Tj ET Q q 0 0 0 rg BT 227.79 215.30 Td (with ) Tj ET Q q 0 0 0 rg BT 248.15 215.30 Td (evidence ) Tj ET Q q 0 0 0 rg BT 286.26 215.30 Td (of ) Tj ET Q q 0 0 0 rg BT 297.17 215.30 Td (cr) Tj ET Q q 0 0 0 rg BT 305.13 215.30 Td (edit ) Tj ET Q q 0 0 0 rg BT 323.26 215.30 Td (quality ) Tj ET Q q 0 0 0 rg BT 354.18 215.30 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 410.09 215.30 Td (since ) Tj ET Q q 0 0 0 rg BT 433.77 215.30 Td (origination, ) Tj ET Q q 0 0 0 rg BT 484.41 215.30 Td (in ) Tj ET Q q 0 0 0 rg BT 495.33 215.30 Td (accor) Tj ET Q q 0 0 0 rg BT 517.73 215.30 Td (dance ) Tj ET Q q 0 0 0 rg BT 544.74 215.30 Td (with ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 203.30 Td (ASC ) Tj ET Q q 0 0 0 rg BT 100.73 203.30 Td (310-30. ) Tj ET Q q 0 0 0 rg BT 134.06 203.30 Td (Loan ) Tj ET Q q 0 0 0 rg BT 157.12 203.30 Td (agings ) Tj ET Q q 0 0 0 rg BT 186.29 203.30 Td (ar) Tj ET Q q 0 0 0 rg BT 194.81 203.30 Td (e ) Tj ET Q q 0 0 0 rg BT 201.75 203.30 Td (based ) Tj ET Q q 0 0 0 rg BT 227.58 203.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 250.08 203.30 Td (contractually ) Tj ET Q q 0 0 0 rg BT 305.90 203.30 Td (r) Tj ET Q q 0 0 0 rg BT 309.42 203.30 Td (equir) Tj ET Q q 0 0 0 rg BT 330.16 203.30 Td (ed ) Tj ET Q q 0 0 0 rg BT 342.10 203.30 Td (payments.) 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719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 748.5 m 298.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 719.5 m 298.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 748.5 m 361.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 719.5 m 361.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 748.5 m 365.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 719.5 m 365.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 748.5 m 427.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 719.5 m 427.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 748.5 m 431.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 719.5 m 431.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 748.5 m 494.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 719.5 m 494.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 748.5 m 498.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 719.5 m 498.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 748.5 m 561.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 719.5 m 561.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 576.5 m 228.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 576.5 m 228.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 563.5 m 228.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 576.5 m 232.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 563.5 m 232.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 576.5 m 294.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 563.5 m 294.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 576.5 m 298.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 563.5 m 298.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 576.5 m 361.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 563.5 m 361.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 576.5 m 365.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 563.5 m 365.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 576.5 m 427.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 563.5 m 427.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 576.5 m 431.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 563.5 m 431.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 576.5 m 494.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 563.5 m 494.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 576.5 m 498.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 563.5 m 498.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 576.5 m 561.5 576.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 563.5 m 561.5 563.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 433.5 m 228.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 433.5 m 228.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 433.5 m 232.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 433.5 m 294.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 433.5 m 298.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 433.5 m 361.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 433.5 m 365.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 433.5 m 427.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 433.5 m 431.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 433.5 m 494.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 433.5 m 498.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 433.5 m 561.5 433.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 420.5 m 228.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 407.5 m 228.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 420.5 m 232.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 407.5 m 232.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 420.5 m 294.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 407.5 m 294.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 420.5 m 298.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 407.5 m 298.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 420.5 m 361.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 407.5 m 361.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 420.5 m 365.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 407.5 m 365.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 420.5 m 427.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 407.5 m 427.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 420.5 m 431.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 407.5 m 431.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 420.5 m 494.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 407.5 m 494.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 420.5 m 498.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 407.5 m 498.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 420.5 m 561.5 420.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 407.5 m 561.5 407.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 368.5 m 294.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 355.5 m 294.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 368.5 m 298.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 355.5 m 298.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 368.5 m 361.5 368.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 355.5 m 361.5 355.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 290.5 m 228.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 228.5 290.5 m 232.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 303.5 m 294.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 290.5 m 294.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 303.5 m 298.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 290.5 m 298.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 303.5 m 361.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 298.5 290.5 m 361.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 290.5 m 365.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 290.5 m 427.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 290.5 m 431.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 290.5 m 494.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 290.5 m 498.5 290.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 290.5 m 561.5 290.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 731.88 Td (As of December) Tj ET Q q 0 0 0 rg BT 106.05 731.88 Td (31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 723.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.40 723.73 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 321.15 731.73 Td (% of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.20 723.73 Td (T) Tj ET Q q 0 0 0 rg BT 310.80 723.73 Td (otalBalance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 376.20 723.73 Td (Nonaccrual) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 445.75 739.73 Td (>90Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.80 731.73 Td (PastDueand) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.05 723.73 Td (Still) Tj ET Q q 0 0 0 rg BT 454.39 723.73 Td (Accruing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.70 739.73 Td (Allowance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.30 731.73 Td (For) Tj ET Q q 0 0 0 rg BT 513.59 731.73 Td (LoanLosses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.90 723.73 Td (Allocation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 711.58 Td (Commercial:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 698.45 Td (Commercial and industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.00 697.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 259.25 697.75 Td (2,214,480) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.00 697.75 Td (26.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 697.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.00 697.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.30 697.75 Td (9,132) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.00 697.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 697.75 Td (474) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 697.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 697.75 Td (20,750) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 685.45 Td (Franchise) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 684.75 Td (252,200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 684.75 Td (3.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 684.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 684.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 684.75 Td (1,702) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 672.45 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 671.75 Td (139,003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 671.75 Td (1.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 671.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 671.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.30 671.75 Td (995) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 659.45 Td (Community Advantagehomeowner associations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 658.75 Td (106,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 658.75 Td (1.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 658.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 658.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.30 658.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 646.45 Td (Aircraft) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.30 645.75 Td (8,065) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 645.75 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 645.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 645.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 645.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 633.45 Td (Asset-based lending) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 632.75 Td (806,402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 632.75 Td (9.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 632.75 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 632.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 632.75 Td (7,051) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 620.45 Td (Tax exempt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 619.75 Td (217,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 619.75 Td (2.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 619.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 619.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 619.75 Td (1,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 607.45 Td (Leases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 606.75 Td (160,136) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 606.75 Td (1.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 606.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 606.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 606.75 Td (32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 594.45 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 593.75 Td (11,034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 593.75 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 593.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 593.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 593.75 Td (79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 581.45 Td (PCI - commercial loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 135.76 585.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.30 580.75 Td (9,223) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 580.75 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 580.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 580.75 Td (365) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 580.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 70.00 568.58 Td (Total commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 235.00 567.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.25 567.73 Td (3,924,394) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 567.73 Td (46.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.00 567.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.00 567.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.30 567.73 Td (9,157) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.00 567.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 479.30 567.73 Td (839) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.00 567.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 536.30 567.73 Td (31,699) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 555.58 Td (Commercial Real Estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 542.45 Td (Residential construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.00 541.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 541.75 Td (38,696) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 541.75 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 541.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.00 541.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 541.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.00 541.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 541.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 541.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.30 541.75 Td (609) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 529.45 Td (Commercial construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 528.75 Td (187,766) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 528.75 Td (2.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 528.75 Td (230) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 528.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 528.75 Td (2,780) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 516.45 Td (Land) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 515.75 Td (91,830) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 515.75 Td (1.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.30 515.75 Td (2,656) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 515.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 515.75 Td (2,289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 503.45 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 502.75 Td (705,432) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 502.75 Td (8.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.30 502.75 Td (7,288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 502.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 502.75 Td (4,626) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 490.45 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 489.75 Td (623,970) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 489.75 Td (7.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.30 489.75 Td (2,392) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 489.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 489.75 Td (3,894) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 477.45 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 476.75 Td (731,488) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 476.75 Td (8.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.30 476.75 Td (4,152) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 476.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 476.75 Td (4,991) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 464.45 Td (Multi-family) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 463.75 Td (605,742) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 463.75 Td (7.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 463.75 Td (249) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 463.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 463.75 Td (4,366) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 451.45 Td (Mixed use and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 259.25 450.75 Td (1,465,117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.00 450.75 Td (17.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.30 450.75 Td (9,638) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 450.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 450.75 Td (11,890) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 438.45 Td (PCI - commercial real estate ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 151.07 442.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 437.75 Td (55,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 437.75 Td (0.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 437.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 437.75 Td (10,976) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 437.75 Td (88) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 70.00 425.58 Td (Total commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 235.00 424.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.25 424.73 Td (4,505,753) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 424.73 Td (53.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.00 424.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.00 424.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.30 424.73 Td (26,605) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.00 424.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.30 424.73 Td (10,976) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.00 424.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 536.30 424.73 Td (35,533) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 70.00 412.58 Td (Total commercial and commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 235.00 411.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.25 411.73 Td (8,430,147) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 335.00 411.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.00 411.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.00 411.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.30 411.73 Td (35,762) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.00 411.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.30 411.73 Td (11,815) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.00 411.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 536.30 411.73 Td (67,232) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 399.45 Td (Commercial real estatecollateral location by state:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 386.45 Td (Illinois) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.00 385.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 259.25 385.75 Td (3,686,193) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.00 385.75 Td (81.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 385.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 373.45 Td (Wisconsin) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 372.75 Td (472,985) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 339.00 372.75 Td (10.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 70.00 360.58 Td (Total primary markets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 235.00 359.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.25 359.73 Td (4,159,178) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 359.73 Td (92.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.00 359.73 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 347.45 Td (Florida) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 346.75 Td (79,740) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 346.75 Td (1.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 334.45 Td (California) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 333.75 Td (28,999) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 333.75 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 321.45 Td (Indiana) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 269.30 320.75 Td (91,282) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 320.75 Td (2.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 308.45 Td (Other \(no individual state greater than 0.5%\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.30 307.75 Td (146,554) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 307.75 Td (3.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 70.00 295.58 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 235.00 294.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.25 294.73 Td (4,505,753) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 335.00 294.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.00 294.73 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 279.00 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 279.00 Td (PCI ) Tj ET Q q 0 0 0 rg BT 99.70 279.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.50 279.00 Td (r) Tj ET Q q 0 0 0 rg BT 128.02 279.00 Td (epr) Tj ET Q q 0 0 0 rg BT 140.98 279.00 Td (esent ) Tj ET Q q 0 0 0 rg BT 164.67 279.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 189.47 279.00 Td (acquir) Tj ET Q q 0 0 0 rg BT 215.21 279.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 227.79 279.00 Td (with ) Tj ET Q q 0 0 0 rg BT 248.15 279.00 Td (evidence ) Tj ET Q q 0 0 0 rg BT 286.26 279.00 Td (of ) Tj ET Q q 0 0 0 rg BT 297.17 279.00 Td (cr) Tj ET Q q 0 0 0 rg BT 305.13 279.00 Td (edit ) Tj ET Q q 0 0 0 rg BT 323.26 279.00 Td (quality ) Tj ET Q q 0 0 0 rg BT 354.18 279.00 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 410.09 279.00 Td (since ) Tj ET Q q 0 0 0 rg BT 433.77 279.00 Td (origination, ) Tj ET Q q 0 0 0 rg BT 484.41 279.00 Td (in ) Tj ET Q q 0 0 0 rg BT 495.33 279.00 Td (accor) Tj ET Q q 0 0 0 rg BT 517.73 279.00 Td (dance ) Tj ET Q q 0 0 0 rg BT 544.74 279.00 Td (with ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 267.00 Td (ASC ) Tj ET Q q 0 0 0 rg BT 100.73 267.00 Td (310-30. ) Tj ET Q q 0 0 0 rg BT 134.06 267.00 Td (Loan ) Tj ET Q q 0 0 0 rg BT 157.12 267.00 Td (agings ) Tj ET Q q 0 0 0 rg BT 186.29 267.00 Td (ar) Tj ET Q q 0 0 0 rg BT 194.81 267.00 Td (e ) Tj ET Q q 0 0 0 rg BT 201.75 267.00 Td (based ) Tj ET Q q 0 0 0 rg BT 227.58 267.00 Td (upon ) Tj ET Q q 0 0 0 rg BT 250.08 267.00 Td (contractually ) Tj ET Q q 0 0 0 rg BT 305.90 267.00 Td (r) Tj ET Q q 0 0 0 rg BT 309.42 267.00 Td (equir) Tj ET Q q 0 0 0 rg BT 330.16 267.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 342.10 267.00 Td (payments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 243.00 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 243.00 Td (e ) Tj ET Q q 0 0 0 rg BT 66.46 243.00 Td (make ) Tj ET Q q 0 0 0 rg BT 91.49 243.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 142.07 243.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 166.56 243.00 Td (for ) Tj ET Q q 0 0 0 rg BT 181.60 243.00 Td (many ) Tj ET Q q 0 0 0 rg BT 207.20 243.00 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 248.64 243.00 Td (including ) Tj ET Q q 0 0 0 rg BT 289.79 243.00 Td (working ) Tj ET Q q 0 0 0 rg BT 326.50 243.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 356.53 243.00 Td (lines, ) Tj ET Q q 0 0 0 rg BT 381.30 243.00 Td (which ) Tj ET Q q 0 0 0 rg BT 409.12 243.00 Td (are ) Tj ET Q q 0 0 0 rg BT 424.71 243.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 465.29 243.00 Td (renewable ) Tj ET Q q 0 0 0 rg BT 509.76 243.00 Td (annually ) Tj ET Q q 0 0 0 rg BT 547.57 243.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 231.00 Td (supported ) Tj ET Q q 0 0 0 rg BT 91.69 231.00 Td (by ) Tj ET Q q 0 0 0 rg BT 103.95 231.00 Td (business ) Tj ET Q q 0 0 0 rg BT 140.10 231.00 Td (assets, ) Tj ET Q q 0 0 0 rg BT 168.18 231.00 Td (personal ) Tj ET Q q 0 0 0 rg BT 204.32 231.00 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 249.33 231.00 Td (and ) Tj ET Q q 0 0 0 rg BT 266.02 231.00 Td (additional ) Tj ET Q q 0 0 0 rg BT 308.27 231.00 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 350.22 231.00 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 401.90 231.00 Td (business ) Tj ET Q q 0 0 0 rg BT 438.05 231.00 Td (lending ) Tj ET Q q 0 0 0 rg BT 470.30 231.00 Td (is ) Tj ET Q q 0 0 0 rg BT 479.23 231.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 518.69 231.00 Td (considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 219.00 Td (to ) Tj ET Q q 0 0 0 rg BT 59.61 219.00 Td (involve ) Tj ET Q q 0 0 0 rg BT 91.44 219.00 Td (a ) Tj ET Q q 0 0 0 rg BT 97.72 219.00 Td (slightly ) Tj ET Q q 0 0 0 rg BT 129.56 219.00 Td (higher ) Tj ET Q q 0 0 0 rg BT 156.94 219.00 Td (degree ) Tj ET Q q 0 0 0 rg BT 185.42 219.00 Td (of ) Tj ET Q q 0 0 0 rg BT 195.58 219.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 212.42 219.00 Td (than ) Tj ET Q q 0 0 0 rg BT 231.47 219.00 Td (traditional ) Tj ET Q q 0 0 0 rg BT 274.40 219.00 Td (consumer ) Tj ET Q q 0 0 0 rg BT 315.12 219.00 Td (bank ) Tj ET Q q 0 0 0 rg BT 336.39 219.00 Td (lending. ) Tj ET Q q 0 0 0 rg BT 370.72 219.00 Td (Primarily ) Tj ET Q q 0 0 0 rg BT 410.33 219.00 Td (as ) Tj ET Q q 0 0 0 rg BT 420.49 219.00 Td (a ) Tj ET Q q 0 0 0 rg BT 426.77 219.00 Td (result ) Tj ET Q q 0 0 0 rg BT 450.82 219.00 Td (of ) Tj ET Q q 0 0 0 rg BT 460.98 219.00 Td (growth ) Tj ET Q q 0 0 0 rg BT 491.15 219.00 Td (in ) Tj ET Q q 0 0 0 rg BT 500.76 219.00 Td (the ) Tj ET Q q 0 0 0 rg BT 514.81 219.00 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 207.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 86.46 207.00 Td (in ) Tj ET Q q 0 0 0 rg BT 95.71 207.00 Td (2015, ) Tj ET Q q 0 0 0 rg BT 119.68 207.00 Td (our ) Tj ET Q q 0 0 0 rg BT 134.47 207.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 176.47 207.00 Td (for ) Tj ET Q q 0 0 0 rg BT 189.60 207.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 208.28 207.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 233.64 207.00 Td (in ) Tj ET Q q 0 0 0 rg BT 242.89 207.00 Td (our ) Tj ET Q q 0 0 0 rg BT 257.69 207.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 306.35 207.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 325.03 207.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 361.50 207.00 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.63 207.00 Td ($36.1 ) Tj ET Q q 0 0 0 rg BT 393.60 207.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.49 207.00 Td ( ) Tj ET Q q 0 0 0 rg BT 423.96 207.00 Td (as ) Tj ET Q q 0 0 0 rg BT 433.76 207.00 Td (of ) Tj ET Q q 0 0 0 rg BT 443.55 207.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 501.11 207.00 Td (2015 ) Tj ET Q q 0 0 0 rg BT 522.57 207.00 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.28 195.00 Td ($31.7 ) Tj ET Q q 0 0 0 rg BT 85.28 195.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.17 195.00 Td ( ) Tj ET Q q 0 0 0 rg BT 116.67 195.00 Td (as ) Tj ET Q q 0 0 0 rg BT 127.50 195.00 Td (of ) Tj ET Q q 0 0 0 rg BT 138.33 195.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 196.91 195.00 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 174.00 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.54 174.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 118.73 174.00 Td (real ) Tj ET Q q 0 0 0 rg BT 136.70 174.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 162.46 174.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 186.56 174.00 Td (are ) Tj ET Q q 0 0 0 rg BT 201.75 174.00 Td (generally ) Tj ET Q q 0 0 0 rg BT 241.94 174.00 Td (secured ) Tj ET Q q 0 0 0 rg BT 275.47 174.00 Td (by ) Tj ET Q q 0 0 0 rg BT 288.46 174.00 Td (a ) Tj ET Q q 0 0 0 rg BT 295.89 174.00 Td (first ) Tj ET Q q 0 0 0 rg BT 314.99 174.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 355.74 174.00 Td (lien ) Tj ET Q q 0 0 0 rg BT 373.73 174.00 Td (and ) Tj ET Q q 0 0 0 rg BT 391.15 174.00 Td (assignment ) Tj ET Q q 0 0 0 rg BT 439.14 174.00 Td (of ) Tj ET Q q 0 0 0 rg BT 450.46 174.00 Td (rents ) Tj ET Q q 0 0 0 rg BT 472.89 174.00 Td (on ) Tj ET Q q 0 0 0 rg BT 485.88 174.00 Td (the ) Tj ET Q q 0 0 0 rg BT 501.08 174.00 Td (property) Tj ET Q q 0 0 0 rg BT 534.31 174.00 Td (. ) Tj ET Q q 0 0 0 rg BT 539.80 174.00 Td (Since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 162.00 Td (most ) Tj ET Q q 0 0 0 rg BT 72.14 162.00 Td (of ) Tj ET Q q 0 0 0 rg BT 83.16 162.00 Td (our ) Tj ET Q q 0 0 0 rg BT 99.18 162.00 Td (bank ) Tj ET Q q 0 0 0 rg BT 121.30 162.00 Td (branches ) Tj ET Q q 0 0 0 rg BT 159.53 162.00 Td (are ) Tj ET Q q 0 0 0 rg BT 174.43 162.00 Td (located ) Tj ET Q q 0 0 0 rg BT 205.99 162.00 Td (in ) Tj ET Q q 0 0 0 rg BT 216.46 162.00 Td (the ) Tj ET Q q 0 0 0 rg BT 231.36 162.00 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 267.38 162.00 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 321.17 162.00 Td (area ) Tj ET Q q 0 0 0 rg BT 340.50 162.00 Td (and ) Tj ET Q q 0 0 0 rg BT 357.63 162.00 Td (southern ) Tj ET Q q 0 0 0 rg BT 394.56 162.00 Td (W) Tj ET Q q 0 0 0 rg BT 403.60 162.00 Td (isconsin, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.57 162.00 Td (91.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 162.00 Td ( ) Tj ET Q q 0 0 0 rg BT 470.09 162.00 Td (of ) Tj ET Q q 0 0 0 rg BT 481.11 162.00 Td (our ) Tj ET Q q 0 0 0 rg BT 497.13 162.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 547.01 162.00 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 150.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.34 150.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 95.13 150.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 132.70 150.00 Td (is ) Tj ET Q q 0 0 0 rg BT 141.95 150.00 Td (located ) Tj ET Q q 0 0 0 rg BT 173.40 150.00 Td (in ) Tj ET Q q 0 0 0 rg BT 183.75 150.00 Td (this ) Tj ET Q q 0 0 0 rg BT 200.77 150.00 Td (region. ) Tj ET Q q 0 0 0 rg BT 231.21 150.00 Td (While ) Tj ET Q q 0 0 0 rg BT 258.22 150.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 307.99 150.00 Td (real ) Tj ET Q q 0 0 0 rg BT 325.55 150.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 350.89 150.00 Td (market ) Tj ET Q q 0 0 0 rg BT 381.23 150.00 Td (conditions ) Tj ET Q q 0 0 0 rg BT 425.47 150.00 Td (have ) Tj ET Q q 0 0 0 rg BT 446.93 150.00 Td (improved ) Tj ET Q q 0 0 0 rg BT 487.83 150.00 Td (recently) Tj ET Q q 0 0 0 rg BT 519.38 150.00 Td (, ) Tj ET Q q 0 0 0 rg BT 524.46 150.00 Td (a ) Tj ET Q q 0 0 0 rg BT 531.47 150.00 Td (number ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 138.00 Td (of ) Tj ET Q q 0 0 0 rg BT 61.36 138.00 Td (specific ) Tj ET Q q 0 0 0 rg BT 95.48 138.00 Td (markets ) Tj ET Q q 0 0 0 rg BT 130.17 138.00 Td (continue ) Tj ET Q q 0 0 0 rg BT 167.63 138.00 Td (to ) Tj ET Q q 0 0 0 rg BT 178.44 138.00 Td (be ) Tj ET Q q 0 0 0 rg BT 190.91 138.00 Td (under ) Tj ET Q q 0 0 0 rg BT 216.71 138.00 Td (stress. ) Tj ET Q q 0 0 0 rg BT 244.24 138.00 Td (W) Tj ET Q q 0 0 0 rg BT 252.88 138.00 Td (e ) Tj ET Q q 0 0 0 rg BT 260.35 138.00 Td (have ) Tj ET Q q 0 0 0 rg BT 282.25 138.00 Td (been ) Tj ET Q q 0 0 0 rg BT 304.16 138.00 Td (able ) Tj ET Q q 0 0 0 rg BT 323.84 138.00 Td (to ) Tj ET Q q 0 0 0 rg BT 334.65 138.00 Td (ef) Tj ET Q q 0 0 0 rg BT 342.24 138.00 Td (fectively ) Tj ET Q q 0 0 0 rg BT 380.25 138.00 Td (manage ) Tj ET Q q 0 0 0 rg BT 414.37 138.00 Td (and ) Tj ET Q q 0 0 0 rg BT 431.84 138.00 Td (reduce ) Tj ET Q q 0 0 0 rg BT 461.52 138.00 Td (our ) Tj ET Q q 0 0 0 rg BT 477.88 138.00 Td (total ) Tj ET Q q 0 0 0 rg BT 498.68 138.00 Td (non-performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 126.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.17 126.00 Td (real ) Tj ET Q q 0 0 0 rg BT 118.13 126.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 143.87 126.00 Td (loans. ) Tj ET Q q 0 0 0 rg BT 169.79 126.00 Td (As ) Tj ET Q q 0 0 0 rg BT 183.88 126.00 Td (of ) Tj ET Q q 0 0 0 rg BT 195.18 126.00 Td (December ) Tj ET Q q 0 0 0 rg BT 239.24 126.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 254.71 126.00 Td (2015, ) Tj ET Q q 0 0 0 rg BT 280.19 126.00 Td (our ) Tj ET Q q 0 0 0 rg BT 296.49 126.00 Td (allowance ) Tj ET Q q 0 0 0 rg BT 340.00 126.00 Td (for ) Tj ET Q q 0 0 0 rg BT 354.63 126.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 374.82 126.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 401.69 126.00 Td (related ) Tj ET Q q 0 0 0 rg BT 431.86 126.00 Td (to ) Tj ET Q q 0 0 0 rg BT 442.62 126.00 Td (this ) Tj ET Q q 0 0 0 rg BT 460.04 126.00 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 498.01 126.00 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.65 126.00 Td ($43.8 ) Tj ET Q q 0 0 0 rg BT 533.12 126.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 114.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.92 114.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.20 114.00 Td ($35.5 ) Tj ET Q q 0 0 0 rg BT 127.20 114.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.09 114.00 Td ( ) Tj ET Q q 0 0 0 rg BT 158.59 114.00 Td (as ) Tj ET Q q 0 0 0 rg BT 169.42 114.00 Td (of ) Tj ET Q q 0 0 0 rg BT 180.25 114.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 238.84 114.00 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 93.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.91 93.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.17 93.00 Td (also ) Tj ET Q q 0 0 0 rg BT 127.64 93.00 Td (participates ) Tj ET Q q 0 0 0 rg BT 176.10 93.00 Td (in ) Tj ET Q q 0 0 0 rg BT 186.25 93.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 226.38 93.00 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 271.50 93.00 Td (lending ) Tj ET Q q 0 0 0 rg BT 303.86 93.00 Td (by ) Tj ET Q q 0 0 0 rg BT 316.23 93.00 Td (providing ) Tj ET Q q 0 0 0 rg BT 357.49 93.00 Td (interim ) Tj ET Q q 0 0 0 rg BT 388.73 93.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 422.21 93.00 Td (to ) Tj ET Q q 0 0 0 rg BT 432.36 93.00 Td (unaf) Tj ET Q q 0 0 0 rg BT 449.94 93.00 Td (filiated ) Tj ET Q q 0 0 0 rg BT 480.63 93.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 520.76 93.00 Td (bankers ) Tj ET Q q 0 0 0 rg BT 554.23 93.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 81.00 Td (finance ) Tj ET Q q 0 0 0 rg BT 81.30 81.00 Td (residential ) Tj ET Q q 0 0 0 rg BT 124.82 81.00 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 168.34 81.00 Td (originated ) Tj ET Q q 0 0 0 rg BT 210.76 81.00 Td (by ) Tj ET Q q 0 0 0 rg BT 222.63 81.00 Td (such ) Tj ET Q q 0 0 0 rg BT 242.83 81.00 Td (bankers ) Tj ET Q q 0 0 0 rg BT 275.80 81.00 Td (for ) Tj ET Q q 0 0 0 rg BT 289.33 81.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 306.75 81.00 Td (into ) Tj ET Q q 0 0 0 rg BT 324.18 81.00 Td (the ) Tj ET Q q 0 0 0 rg BT 338.27 81.00 Td (secondary ) Tj ET Q q 0 0 0 rg BT 380.68 81.00 Td (market. ) Tj ET Q q 0 0 0 rg BT 412.68 81.00 Td (The ) Tj ET Q q 0 0 0 rg BT 430.10 81.00 Td (Company) Tj ET Q q 0 0 0 rg BT 471.76 81.00 Td (s ) Tj ET Q q 0 0 0 rg BT 477.52 81.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 500.50 81.00 Td (to ) Tj ET Q q 0 0 0 rg BT 510.15 81.00 Td (the ) Tj ET Q q 0 0 0 rg BT 524.24 81.00 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 69.00 Td (bankers ) Tj ET Q q 0 0 0 rg BT 82.57 69.00 Td (are ) Tj ET Q q 0 0 0 rg BT 96.25 69.00 Td (secured ) Tj ET Q q 0 0 0 rg BT 128.25 69.00 Td (by ) Tj ET Q q 0 0 0 rg BT 139.72 69.00 Td (the ) Tj ET Q q 0 0 0 rg BT 153.41 69.00 Td (business ) Tj ET Q q 0 0 0 rg BT 188.77 69.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 213.57 69.00 Td (of ) Tj ET Q q 0 0 0 rg BT 223.37 69.00 Td (the ) Tj ET Q q 0 0 0 rg BT 237.06 69.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 276.29 69.00 Td (companies ) Tj ET Q q 0 0 0 rg BT 320.52 69.00 Td (as ) Tj ET Q q 0 0 0 rg BT 330.32 69.00 Td (well ) Tj ET Q q 0 0 0 rg BT 349.01 69.00 Td (as ) Tj ET Q q 0 0 0 rg BT 358.81 69.00 Td (the ) Tj ET Q q 0 0 0 rg BT 372.50 69.00 Td (specific ) Tj ET Q q 0 0 0 rg BT 405.06 69.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 444.29 69.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.87 69.00 Td (funded ) Tj ET Q q 0 0 0 rg BT 496.11 69.00 Td (by ) Tj ET Q q 0 0 0 rg BT 507.58 69.00 Td (the ) Tj ET Q q 0 0 0 rg BT 521.26 69.00 Td (Company) Tj ET Q q 0 0 0 rg BT 559.50 69.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.00 Td (after ) Tj ET Q q 0 0 0 rg BT 70.76 57.00 Td (they ) Tj ET Q q 0 0 0 rg BT 90.43 57.00 Td (have ) Tj ET Q q 0 0 0 rg BT 111.76 57.00 Td (been ) Tj ET Q q 0 0 0 rg BT 133.08 57.00 Td (pre-approved ) Tj ET Q q 0 0 0 rg BT 188.84 57.00 Td (for ) Tj ET Q q 0 0 0 rg BT 202.94 57.00 Td (purchase ) Tj ET Q q 0 0 0 rg BT 240.93 57.00 Td (by ) Tj ET Q q 0 0 0 rg BT 253.38 57.00 Td (third ) Tj ET Q q 0 0 0 rg BT 274.71 57.00 Td (party ) Tj ET Q q 0 0 0 rg BT 297.71 57.00 Td (end ) Tj ET Q q 0 0 0 rg BT 314.60 57.00 Td (lenders. ) Tj ET Q q 0 0 0 rg BT 348.25 57.00 Td (The ) Tj ET Q q 0 0 0 rg BT 366.24 57.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 407.58 57.00 Td (may ) Tj ET Q q 0 0 0 rg BT 427.24 57.00 Td (also ) Tj ET Q q 0 0 0 rg BT 445.80 57.00 Td (provide ) Tj ET Q q 0 0 0 rg BT 478.80 57.00 Td (interim ) Tj ET Q q 0 0 0 rg BT 510.13 57.00 Td (financing ) Tj ET Q q 0 0 0 rg BT 550.34 57.00 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 45.00 Td (packages ) Tj ET Q q 0 0 0 rg BT 88.73 45.00 Td (of ) Tj ET Q q 0 0 0 rg BT 99.14 45.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 138.98 45.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 162.17 45.00 Td (on ) Tj ET Q q 0 0 0 rg BT 174.25 45.00 Td (a ) Tj ET Q q 0 0 0 rg BT 180.77 45.00 Td (bulk ) Tj ET Q q 0 0 0 rg BT 200.63 45.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 222.71 45.00 Td (in ) Tj ET Q q 0 0 0 rg BT 232.56 45.00 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 291.28 45.00 Td (where ) Tj ET Q q 0 0 0 rg BT 317.79 45.00 Td (the ) Tj ET Q q 0 0 0 rg BT 332.09 45.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 371.93 45.00 Td (bankers ) Tj ET Q q 0 0 0 rg BT 405.11 45.00 Td (desire ) Tj ET Q q 0 0 0 rg BT 431.07 45.00 Td (to ) Tj ET Q q 0 0 0 rg BT 440.93 45.00 Td (competitively ) Tj ET Q q 0 0 0 rg BT 497.99 45.00 Td (bid ) Tj ET Q q 0 0 0 rg BT 512.85 45.00 Td (on ) Tj ET Q q 0 0 0 rg BT 524.93 45.00 Td (a ) Tj ET Q q 0 0 0 rg BT 531.45 45.00 Td (number ) Tj ET Q endstream endobj 147 0 obj <> endobj 148 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (73) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.87 742.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 105.07 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 119.27 742.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 137.36 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 148.23 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.21 742.10 Td (package ) Tj ET Q q 0 0 0 rg BT 190.51 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.83 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.58 742.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 258.66 742.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 290.91 742.10 Td (Amounts ) Tj ET Q q 0 0 0 rg BT 330.12 742.10 Td (advanced ) Tj ET Q q 0 0 0 rg BT 370.41 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 390.73 742.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 421.59 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.91 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 448.89 742.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 489.74 742.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 530.05 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 549.81 742.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 82.34 730.10 Td (required ) Tj ET Q q 0 0 0 rg BT 119.11 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.34 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 143.23 730.10 Td (repaid ) Tj ET Q q 0 0 0 rg BT 171.67 730.10 Td (within ) Tj ET Q q 0 0 0 rg BT 200.68 730.10 Td (21 ) Tj ET Q q 0 0 0 rg BT 214.14 730.10 Td (days. ) Tj ET Q q 0 0 0 rg BT 238.42 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.87 730.10 Td (During ) Tj ET Q q 0 0 0 rg BT 273.66 730.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 299.61 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 316.39 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 357.61 730.10 Td (warehouse ) Tj ET Q q 0 0 0 rg BT 403.82 730.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 426.16 730.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 467.37 730.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.60 730.10 Td ($222.8 ) Tj ET Q q 0 0 0 rg BT 509.56 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.45 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 541.90 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.69 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.21 718.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 130.34 718.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.90 718.10 Td ($139.0 ) Tj ET Q q 0 0 0 rg BT 181.53 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.42 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 212.55 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 223.00 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.46 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 291.67 718.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 313.80 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 324.25 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 330.82 718.10 Td (result ) Tj ET Q q 0 0 0 rg BT 355.16 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.62 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 372.18 718.10 Td (more ) Tj ET Q q 0 0 0 rg BT 394.86 718.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 434.74 718.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 474.63 718.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 508.97 718.10 Td (environment. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 76.14 697.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 102.83 697.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.00 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.25 697.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 147.06 697.10 Td (home ) Tj ET Q q 0 0 0 rg BT 171.53 697.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 198.78 697.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 222.15 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.84 697.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 259.99 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.57 697.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 295.59 697.10 Td (are ) Tj ET Q q 0 0 0 rg BT 310.05 697.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 352.85 697.10 Td (by ) Tj ET Q q 0 0 0 rg BT 365.11 697.10 Td (each ) Tj ET Q q 0 0 0 rg BT 385.68 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.26 697.10 Td (our ) Tj ET Q q 0 0 0 rg BT 411.85 697.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 437.44 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.47 697.10 Td (their ) Tj ET Q q 0 0 0 rg BT 468.05 697.10 Td (local ) Tj ET Q q 0 0 0 rg BT 489.74 697.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 523.65 697.10 Td (where ) Tj ET Q q 0 0 0 rg BT 550.34 697.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.57 685.10 Td (a ) Tj ET Q q 0 0 0 rg BT 78.70 685.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 106.39 685.10 Td (understanding ) Tj ET Q q 0 0 0 rg BT 165.74 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.76 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.67 685.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 237.69 685.10 Td (real ) Tj ET Q q 0 0 0 rg BT 255.36 685.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 280.82 685.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 307.67 685.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 325.91 685.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 351.93 685.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 386.29 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.42 685.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 437.20 685.10 Td (these ) Tj ET Q q 0 0 0 rg BT 460.44 685.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 486.74 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.87 685.10 Td (we ) Tj ET Q q 0 0 0 rg BT 518.23 685.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 552.57 685.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (automated ) Tj ET Q q 0 0 0 rg BT 93.36 673.10 Td (review ) Tj ET Q q 0 0 0 rg BT 122.28 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.33 673.10 Td (all ) Tj ET Q q 0 0 0 rg BT 144.03 673.10 Td (home ) Tj ET Q q 0 0 0 rg BT 167.96 673.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 194.67 673.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 217.49 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.64 673.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 254.24 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.29 673.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 288.76 673.10 Td (at ) Tj ET Q q 0 0 0 rg BT 297.69 673.10 Td (least ) Tj ET Q q 0 0 0 rg BT 317.73 673.10 Td (twice ) Tj ET Q q 0 0 0 rg BT 341.10 673.10 Td (per ) Tj ET Q q 0 0 0 rg BT 355.58 673.10 Td (year) Tj ET Q q 0 0 0 rg BT 372.24 673.10 Td (. ) Tj ET Q q 0 0 0 rg BT 376.33 673.10 Td (This ) Tj ET Q q 0 0 0 rg BT 395.82 673.10 Td (review ) Tj ET Q q 0 0 0 rg BT 424.74 673.10 Td (collects ) Tj ET Q q 0 0 0 rg BT 456.99 673.10 Td (current ) Tj ET Q q 0 0 0 rg BT 487.02 673.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 511.50 673.10 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.06 661.10 Td (each ) Tj ET Q q 0 0 0 rg BT 84.78 661.10 Td (home ) Tj ET Q q 0 0 0 rg BT 109.40 661.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 136.79 661.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 175.84 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.68 661.10 Td (identifies ) Tj ET Q q 0 0 0 rg BT 232.30 661.10 Td (situations ) Tj ET Q q 0 0 0 rg BT 273.03 661.10 Td (where ) Tj ET Q q 0 0 0 rg BT 299.86 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.48 661.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 339.65 661.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 374.27 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.00 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.62 661.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 438.67 661.10 Td (is ) Tj ET Q q 0 0 0 rg BT 447.74 661.10 Td (declining, ) Tj ET Q q 0 0 0 rg BT 489.85 661.10 Td (or ) Tj ET Q q 0 0 0 rg BT 500.58 661.10 Td (where ) Tj ET Q q 0 0 0 rg BT 527.41 661.10 Td (there ) Tj ET Q q 0 0 0 rg BT 549.80 661.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (events ) Tj ET Q q 0 0 0 rg BT 77.77 649.10 Td (that ) Tj ET Q q 0 0 0 rg BT 94.98 649.10 Td (may ) Tj ET Q q 0 0 0 rg BT 114.41 649.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 153.83 649.10 Td (repayment, ) Tj ET Q q 0 0 0 rg BT 200.75 649.10 Td (such ) Tj ET Q q 0 0 0 rg BT 221.30 649.10 Td (as ) Tj ET Q q 0 0 0 rg BT 231.85 649.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 246.29 649.10 Td (liens ) Tj ET Q q 0 0 0 rg BT 267.39 649.10 Td (or ) Tj ET Q q 0 0 0 rg BT 277.94 649.10 Td (judgments. ) Tj ET Q q 0 0 0 rg BT 324.32 649.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 342.09 649.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 367.64 649.10 Td (use ) Tj ET Q q 0 0 0 rg BT 383.19 649.10 Td (this ) Tj ET Q q 0 0 0 rg BT 399.86 649.10 Td (information ) Tj ET Q q 0 0 0 rg BT 449.29 649.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.28 649.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 492.59 649.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 515.92 649.10 Td (that ) Tj ET Q q 0 0 0 rg BT 533.13 649.10 Td (may ) Tj ET Q q 0 0 0 rg BT 552.57 649.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 78.54 637.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 96.54 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.98 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.76 637.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 167.73 637.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 202.94 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.72 637.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 241.71 637.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 284.70 637.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 310.46 637.10 Td (information ) Tj ET Q q 0 0 0 rg BT 360.67 637.10 Td (or ) Tj ET Q q 0 0 0 rg BT 372.00 637.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 406.65 637.10 Td (property ) Tj ET Q q 0 0 0 rg BT 443.53 637.10 Td (valuations. ) Tj ET Q q 0 0 0 rg BT 489.47 637.10 Td (As ) Tj ET Q q 0 0 0 rg BT 503.58 637.10 Td (a ) Tj ET Q q 0 0 0 rg BT 511.01 637.10 Td (result ) Tj ET Q q 0 0 0 rg BT 536.23 637.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.56 637.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (work ) Tj ET Q q 0 0 0 rg BT 72.49 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 88.86 625.10 Td (general ) Tj ET Q q 0 0 0 rg BT 120.22 625.10 Td (market ) Tj ET Q q 0 0 0 rg BT 149.92 625.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 196.02 625.10 Td (we ) Tj ET Q q 0 0 0 rg BT 209.62 625.10 Td (have ) Tj ET Q q 0 0 0 rg BT 230.43 625.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 268.47 625.10 Td (our ) Tj ET Q q 0 0 0 rg BT 283.74 625.10 Td (home ) Tj ET Q q 0 0 0 rg BT 307.89 625.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 334.82 625.10 Td (of) Tj ET Q q 0 0 0 rg BT 342.97 625.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 372.68 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.05 625.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 424.30 625.10 Td (our ) Tj ET Q q 0 0 0 rg BT 439.57 625.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 472.61 625.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 512.86 625.10 Td (home ) Tj ET Q q 0 0 0 rg BT 537.01 625.10 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (renewals ) Tj ET Q q 0 0 0 rg BT 87.99 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.88 613.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 140.10 613.10 Td (for ) Tj ET Q q 0 0 0 rg BT 154.21 613.10 Td (subordination. ) Tj ET Q q 0 0 0 rg BT 214.16 613.10 Td (In ) Tj ET Q q 0 0 0 rg BT 224.94 613.10 Td (a ) Tj ET Q q 0 0 0 rg BT 231.83 613.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 262.61 613.10 Td (number ) Tj ET Q q 0 0 0 rg BT 295.61 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.39 613.10 Td (situations, ) Tj ET Q q 0 0 0 rg BT 349.67 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.34 613.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 395.12 613.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 442.56 613.10 Td (on ) Tj ET Q q 0 0 0 rg BT 455.01 613.10 Td (home ) Tj ET Q q 0 0 0 rg BT 479.68 613.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 507.12 613.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 528.46 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.24 613.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (was ) Tj ET Q q 0 0 0 rg BT 68.05 601.10 Td (frozen.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.00 580.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 89.33 580.10 Td (we ) Tj ET Q q 0 0 0 rg BT 103.44 580.10 Td (of) Tj ET Q q 0 0 0 rg BT 111.59 580.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 125.14 580.10 Td (on ) Tj ET Q q 0 0 0 rg BT 137.59 580.10 Td (new ) Tj ET Q q 0 0 0 rg BT 156.70 580.10 Td (home ) Tj ET Q q 0 0 0 rg BT 181.37 580.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 208.81 580.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 241.26 580.10 Td (are ) Tj ET Q q 0 0 0 rg BT 255.92 580.10 Td (based ) Tj ET Q q 0 0 0 rg BT 281.14 580.10 Td (on ) Tj ET Q q 0 0 0 rg BT 293.59 580.10 Td (several ) Tj ET Q q 0 0 0 rg BT 324.36 580.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 356.51 580.10 Td (including ) Tj ET Q q 0 0 0 rg BT 396.74 580.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 439.17 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.06 580.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 495.73 580.10 Td (due ) Tj ET Q q 0 0 0 rg BT 512.62 580.10 Td (diligence, ) Tj ET Q q 0 0 0 rg BT 554.22 580.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (order ) Tj ET Q q 0 0 0 rg BT 73.82 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 84.31 568.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 112.57 568.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 148.05 568.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 168.27 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.42 568.10 Td (we ) Tj ET Q q 0 0 0 rg BT 199.80 568.10 Td (place ) Tj ET Q q 0 0 0 rg BT 223.62 568.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 266.32 568.10 Td (scrutiny ) Tj ET Q q 0 0 0 rg BT 301.26 568.10 Td (on ) Tj ET Q q 0 0 0 rg BT 313.98 568.10 Td (lar) Tj ET Q q 0 0 0 rg BT 324.34 568.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 339.83 568.10 Td (home ) Tj ET Q q 0 0 0 rg BT 364.77 568.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 392.48 568.10 Td (requests. ) Tj ET Q q 0 0 0 rg BT 430.47 568.10 Td (In ) Tj ET Q q 0 0 0 rg BT 441.52 568.10 Td (a ) Tj ET Q q 0 0 0 rg BT 448.67 568.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 479.72 568.10 Td (number ) Tj ET Q q 0 0 0 rg BT 512.99 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.04 568.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 550.36 568.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 71.87 556.10 Td (home ) Tj ET Q q 0 0 0 rg BT 95.96 556.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 122.82 556.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.45 556.10 Td (together ) Tj ET Q q 0 0 0 rg BT 182.08 556.10 Td (with ) Tj ET Q q 0 0 0 rg BT 201.73 556.10 Td (first ) Tj ET Q q 0 0 0 rg BT 219.71 556.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 259.34 556.10 Td (financing, ) Tj ET Q q 0 0 0 rg BT 301.48 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.78 556.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 352.42 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 365.95 556.10 Td (such ) Tj ET Q q 0 0 0 rg BT 386.15 556.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 425.78 556.10 Td (are ) Tj ET Q q 0 0 0 rg BT 439.86 556.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 480.04 556.10 Td (on ) Tj ET Q q 0 0 0 rg BT 491.91 556.10 Td (a ) Tj ET Q q 0 0 0 rg BT 498.21 556.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 539.52 556.10 Td (basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (It ) Tj ET Q q 0 0 0 rg BT 58.36 544.10 Td (is ) Tj ET Q q 0 0 0 rg BT 67.29 544.10 Td (not ) Tj ET Q q 0 0 0 rg BT 82.32 544.10 Td (our ) Tj ET Q q 0 0 0 rg BT 97.91 544.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 131.80 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.83 544.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 176.84 544.10 Td (more ) Tj ET Q q 0 0 0 rg BT 199.65 544.10 Td (than ) Tj ET Q q 0 0 0 rg BT 219.12 544.10 Td (85% ) Tj ET Q q 0 0 0 rg BT 239.70 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.29 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.76 544.10 Td (appraised ) Tj ET Q q 0 0 0 rg BT 305.33 544.10 Td (value ) Tj ET Q q 0 0 0 rg BT 329.24 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.82 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.30 544.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 399.88 544.10 Td (asset, ) Tj ET Q q 0 0 0 rg BT 424.07 544.10 Td (which ) Tj ET Q q 0 0 0 rg BT 450.76 544.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 471.34 544.10 Td (we ) Tj ET Q q 0 0 0 rg BT 485.26 544.10 Td (refer ) Tj ET Q q 0 0 0 rg BT 506.38 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.41 544.10 Td (as ) Tj ET Q q 0 0 0 rg BT 527.00 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 541.47 544.10 Td (loan-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (to-value ) Tj ET Q q 0 0 0 rg BT 84.99 532.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 108.05 532.10 Td (or ) Tj ET Q q 0 0 0 rg BT 118.61 532.10 Td (L) Tj ET Q q 0 0 0 rg BT 123.80 532.10 Td (TV) Tj ET Q q 0 0 0 rg BT 136.95 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 139.18 532.10 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 162.24 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.91 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.57 532.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 221.69 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.25 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.69 532.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 271.69 532.10 Td (we ) Tj ET Q q 0 0 0 rg BT 285.58 532.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 330.03 532.10 Td (extended, ) Tj ET Q q 0 0 0 rg BT 370.85 532.10 Td (when ) Tj ET Q q 0 0 0 rg BT 394.74 532.10 Td (issued, ) Tj ET Q q 0 0 0 rg BT 424.47 532.10 Td (had ) Tj ET Q q 0 0 0 rg BT 441.14 532.10 Td (an ) Tj ET Q q 0 0 0 rg BT 452.81 532.10 Td (L) Tj ET Q q 0 0 0 rg BT 458.00 532.10 Td (TV) Tj ET Q q 0 0 0 rg BT 471.15 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.38 532.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 493.94 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.50 532.10 Td (less ) Tj ET Q q 0 0 0 rg BT 521.73 532.10 Td (than ) Tj ET Q q 0 0 0 rg BT 541.17 532.10 Td (80%. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.05 520.10 Td (home ) Tj ET Q q 0 0 0 rg BT 92.77 520.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 120.26 520.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 139.98 520.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 177.48 520.10 Td (has ) Tj ET Q q 0 0 0 rg BT 193.31 520.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 237.45 520.10 Td (well ) Tj ET Q q 0 0 0 rg BT 257.17 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.45 520.10 Td (light ) Tj ET Q q 0 0 0 rg BT 288.28 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.11 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.83 520.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 349.11 520.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 387.71 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 397.99 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.71 520.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 442.97 520.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 487.12 520.10 Td (real ) Tj ET Q q 0 0 0 rg BT 504.61 520.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 529.87 520.10 Td (market. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (Residential ) Tj ET Q q 0 0 0 rg BT 97.30 499.10 Td (r) Tj ET Q q 0 0 0 rg BT 100.82 499.10 Td (eal ) Tj ET Q q 0 0 0 rg BT 115.35 499.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 140.99 499.10 Td (mortgages.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.71 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 188.02 499.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 205.88 499.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 249.84 499.10 Td (real ) Tj ET Q q 0 0 0 rg BT 267.14 499.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 292.21 499.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 329.52 499.10 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 390.15 499.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 425.79 499.10 Td (one- ) Tj ET Q q 0 0 0 rg BT 445.87 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.96 499.10 Td (four) Tj ET Q q 0 0 0 rg BT 472.42 499.10 Td (-family ) Tj ET Q q 0 0 0 rg BT 504.16 499.10 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 547.01 499.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 93.55 487.10 Td (that ) Tj ET Q q 0 0 0 rg BT 110.44 487.10 Td (have ) Tj ET Q q 0 0 0 rg BT 131.21 487.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 169.20 487.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 193.31 487.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 232.41 487.10 Td (from ) Tj ET Q q 0 0 0 rg BT 253.74 487.10 Td (one ) Tj ET Q q 0 0 0 rg BT 270.07 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.75 487.10 Td (three ) Tj ET Q q 0 0 0 rg BT 301.63 487.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 327.12 487.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 378.45 487.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 401.45 487.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.12 487.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 457.46 487.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.79 487.10 Td (bridge ) Tj ET Q q 0 0 0 rg BT 501.24 487.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 540.89 487.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (for ) Tj ET Q q 0 0 0 rg BT 65.25 475.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 109.94 475.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 155.78 475.10 Td (As ) Tj ET Q q 0 0 0 rg BT 170.48 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.40 475.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 242.07 475.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 268.16 475.10 Td (our ) Tj ET Q q 0 0 0 rg BT 285.08 475.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 330.32 475.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 351.12 475.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 389.71 475.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.50 475.10 Td ($607.5 ) Tj ET Q q 0 0 0 rg BT 451.59 475.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.48 475.10 Td (, ) Tj ET Q q 0 0 0 rg BT 486.57 475.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.49 475.10 Td (3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.82 475.10 Td ( ) Tj ET Q q 0 0 0 rg BT 515.41 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.33 475.10 Td (our ) Tj ET Q q 0 0 0 rg BT 544.24 475.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 99.17 463.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.74 442.10 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 110.47 442.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 127.64 442.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 171.48 442.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 195.87 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.84 442.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 248.01 442.10 Td (located ) Tj ET Q q 0 0 0 rg BT 279.07 442.10 Td (principally ) Tj ET Q q 0 0 0 rg BT 324.58 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.55 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.95 442.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 384.46 442.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 437.75 442.10 Td (area ) Tj ET Q q 0 0 0 rg BT 456.58 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.21 442.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 509.68 442.10 Td (W) Tj ET Q q 0 0 0 rg BT 518.71 442.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 553.68 442.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (vacation ) Tj ET Q q 0 0 0 rg BT 87.27 430.10 Td (homes ) Tj ET Q q 0 0 0 rg BT 116.78 430.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 146.83 430.10 Td (by ) Tj ET Q q 0 0 0 rg BT 160.23 430.10 Td (local ) Tj ET Q q 0 0 0 rg BT 183.06 430.10 Td (residents. ) Tj ET Q q 0 0 0 rg BT 224.26 430.10 Td (These ) Tj ET Q q 0 0 0 rg BT 251.53 430.10 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 295.47 430.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 313.86 430.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 358.91 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 374.51 430.10 Td (often ) Tj ET Q q 0 0 0 rg BT 398.46 430.10 Td (non-agency ) Tj ET Q q 0 0 0 rg BT 448.50 430.10 Td (conforming. ) Tj ET Q q 0 0 0 rg BT 500.30 430.10 Td (Adjustable ) Tj ET Q q 0 0 0 rg BT 547.03 430.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.43 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.20 418.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 151.27 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.15 418.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 198.25 418.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 215.90 418.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 233.56 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 247.88 418.10 Td (face ) Tj ET Q q 0 0 0 rg BT 267.19 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 279.85 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 295.85 418.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 336.27 418.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 376.43 418.10 Td (However) Tj ET Q q 0 0 0 rg BT 412.68 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 417.84 418.10 Td (this ) Tj ET Q q 0 0 0 rg BT 434.95 418.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 452.62 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 461.95 418.10 Td (not ) Tj ET Q q 0 0 0 rg BT 477.39 418.10 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 522.26 418.10 Td (due ) Tj ET Q q 0 0 0 rg BT 539.36 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.80 418.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (fact ) Tj ET Q q 0 0 0 rg BT 68.64 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 87.29 406.10 Td (such ) Tj ET Q q 0 0 0 rg BT 109.27 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 134.03 406.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 174.89 406.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 209.09 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 224.40 406.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 260.82 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.91 406.10 Td (lifetime ) Tj ET Q q 0 0 0 rg BT 313.67 406.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 340.10 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 353.76 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.63 406.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 402.72 406.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 421.35 406.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 472.78 406.10 Td (among ) Tj ET Q q 0 0 0 rg BT 503.65 406.10 Td (other ) Tj ET Q q 0 0 0 rg BT 527.85 406.10 Td (features. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 104.37 394.10 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 146.87 394.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 163.82 394.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 207.44 394.10 Td (may ) Tj ET Q q 0 0 0 rg BT 226.62 394.10 Td (pose ) Tj ET Q q 0 0 0 rg BT 246.91 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.31 394.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 280.82 394.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 297.78 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.08 394.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 358.91 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.31 394.10 Td (default ) Tj ET Q q 0 0 0 rg BT 405.04 394.10 Td (because ) Tj ET Q q 0 0 0 rg BT 438.65 394.10 Td (they ) Tj ET Q q 0 0 0 rg BT 457.83 394.10 Td (require ) Tj ET Q q 0 0 0 rg BT 488.11 394.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 530.61 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 540.35 394.10 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (lar) Tj ET Q q 0 0 0 rg BT 60.37 382.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 75.26 382.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 115.70 382.10 Td (when ) Tj ET Q q 0 0 0 rg BT 139.48 382.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 171.04 382.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 192.04 382.10 Td (rise. ) Tj ET Q q 0 0 0 rg BT 210.63 382.10 Td (As ) Tj ET Q q 0 0 0 rg BT 223.87 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.32 382.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 292.52 382.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.14 382.10 Td ($12.0 ) Tj ET Q q 0 0 0 rg BT 341.77 382.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.66 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 372.78 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.23 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 398.68 382.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 442.45 382.10 Td (real ) Tj ET Q q 0 0 0 rg BT 459.56 382.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 484.45 382.10 Td (mortgages, ) Tj ET Q q 0 0 0 rg BT 530.72 382.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.17 382.10 Td (2.0%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.02 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 77.04 370.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 121.38 370.10 Td (real ) Tj ET Q q 0 0 0 rg BT 139.06 370.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 164.51 370.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 184.42 370.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 224.60 370.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 266.73 370.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 284.98 370.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 311.28 370.10 Td (were ) Tj ET Q q 0 0 0 rg BT 333.40 370.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 373.85 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 384.87 370.10 Td (nonaccrual, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.93 370.10 Td ($5.8 ) Tj ET Q q 0 0 0 rg BT 454.12 370.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.01 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 485.70 370.10 Td (were ) Tj ET Q q 0 0 0 rg BT 507.82 370.10 Td (30 ) Tj ET Q q 0 0 0 rg BT 520.51 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.98 370.10 Td (89 ) Tj ET Q q 0 0 0 rg BT 543.67 370.10 Td (days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (past ) Tj ET Q q 0 0 0 rg BT 68.92 358.10 Td (due ) Tj ET Q q 0 0 0 rg BT 86.17 358.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.50 358.10 Td (0.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.33 358.10 Td (\)and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.42 358.10 Td ($586.2 ) Tj ET Q q 0 0 0 rg BT 163.73 358.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.62 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.44 358.10 Td (were ) Tj ET Q q 0 0 0 rg BT 217.68 358.10 Td (current ) Tj ET Q q 0 0 0 rg BT 248.81 358.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.14 358.10 Td (97.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.97 358.10 Td (\). ) Tj ET Q q 0 0 0 rg BT 286.41 358.10 Td (W) Tj ET Q q 0 0 0 rg BT 295.05 358.10 Td (e ) Tj ET Q q 0 0 0 rg BT 302.30 358.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 333.99 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 351.79 358.10 Td (since ) Tj ET Q q 0 0 0 rg BT 375.16 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 391.30 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 411.33 358.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 449.14 358.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 483.62 358.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 523.65 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 534.79 358.10 Td (locally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 93.21 346.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 119.49 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.59 346.10 Td (since ) Tj ET Q q 0 0 0 rg BT 159.81 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.69 346.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 211.25 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.24 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 238.24 346.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 281.45 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 296.33 346.10 Td (longer) Tj ET Q q 0 0 0 rg BT 321.67 346.10 Td (-term ) Tj ET Q q 0 0 0 rg BT 346.00 346.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 389.21 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 409.66 346.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 435.10 346.10 Td (L) Tj ET Q q 0 0 0 rg BT 440.29 346.10 Td (TV) Tj ET Q q 0 0 0 rg BT 453.44 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.11 346.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 483.49 346.10 Td (we ) Tj ET Q q 0 0 0 rg BT 497.82 346.10 Td (face ) Tj ET Q q 0 0 0 rg BT 517.13 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 524.24 346.10 Td (relatively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (low ) Tj ET Q q 0 0 0 rg BT 67.50 334.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 85.00 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.83 334.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 134.98 334.10 Td (default ) Tj ET Q q 0 0 0 rg BT 165.24 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.18 334.10 Td (delinquency) Tj ET Q q 0 0 0 rg BT 230.41 334.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (While ) Tj ET Q q 0 0 0 rg BT 76.61 313.10 Td (we ) Tj ET Q q 0 0 0 rg BT 90.45 313.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 129.83 313.10 Td (do ) Tj ET Q q 0 0 0 rg BT 142.00 313.10 Td (not ) Tj ET Q q 0 0 0 rg BT 156.96 313.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 194.68 313.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 217.96 313.10 Td (for ) Tj ET Q q 0 0 0 rg BT 231.80 313.10 Td (our ) Tj ET Q q 0 0 0 rg BT 247.31 313.10 Td (own ) Tj ET Q q 0 0 0 rg BT 266.70 313.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 303.88 313.10 Td (with ) Tj ET Q q 0 0 0 rg BT 323.83 313.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 365.44 313.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 388.17 313.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 409.22 313.10 Td (due ) Tj ET Q q 0 0 0 rg BT 425.83 313.10 Td (to ) Tj ET Q q 0 0 0 rg BT 435.79 313.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 467.40 313.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 484.56 313.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 501.74 313.10 Td (considerations, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.46 301.10 Td (can ) Tj ET Q q 0 0 0 rg BT 81.15 301.10 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 139.48 301.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 178.94 301.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 214.51 301.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.97 301.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 252.32 301.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 270.11 301.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 294.03 301.10 Td (by ) Tj ET Q q 0 0 0 rg BT 306.83 301.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 353.52 301.10 Td (such ) Tj ET Q q 0 0 0 rg BT 374.65 301.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 398.56 301.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.81 301.10 Td (then ) Tj ET Q q 0 0 0 rg BT 435.83 301.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 465.30 301.10 Td (them ) Tj ET Q q 0 0 0 rg BT 488.10 301.10 Td (into ) Tj ET Q q 0 0 0 rg BT 506.46 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.48 301.10 Td (secondary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 82.88 289.10 Td (for ) Tj ET Q q 0 0 0 rg BT 97.15 289.10 Td (which ) Tj ET Q q 0 0 0 rg BT 124.20 289.10 Td (we ) Tj ET Q q 0 0 0 rg BT 138.48 289.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 169.95 289.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 184.77 289.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 219.13 289.10 Td (W) Tj ET Q q 0 0 0 rg BT 227.77 289.10 Td (e ) Tj ET Q q 0 0 0 rg BT 234.82 289.10 Td (may ) Tj ET Q q 0 0 0 rg BT 254.65 289.10 Td (also ) Tj ET Q q 0 0 0 rg BT 273.38 289.10 Td (selectively ) Tj ET Q q 0 0 0 rg BT 318.75 289.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 344.13 289.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 373.94 289.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.89 289.10 Td (these ) Tj ET Q q 0 0 0 rg BT 408.05 289.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 431.77 289.10 Td (within ) Tj ET Q q 0 0 0 rg BT 459.94 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.77 289.10 Td (banks) Tj ET Q q 0 0 0 rg BT 500.69 289.10 Td ( ) Tj ET Q q 0 0 0 rg BT 503.30 289.10 Td (own ) Tj ET Q q 0 0 0 rg BT 523.14 289.10 Td (portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (where ) Tj ET Q q 0 0 0 rg BT 76.83 277.10 Td (they ) Tj ET Q q 0 0 0 rg BT 96.44 277.10 Td (are ) Tj ET Q q 0 0 0 rg BT 111.04 277.10 Td (non-agency ) Tj ET Q q 0 0 0 rg BT 160.08 277.10 Td (conforming, ) Tj ET Q q 0 0 0 rg BT 211.64 277.10 Td (or ) Tj ET Q q 0 0 0 rg BT 222.36 277.10 Td (where ) Tj ET Q q 0 0 0 rg BT 249.19 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.80 277.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 288.41 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.14 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.75 277.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 337.26 277.10 Td (make ) Tj ET Q q 0 0 0 rg BT 361.31 277.10 Td (them ) Tj ET Q q 0 0 0 rg BT 383.70 277.10 Td (favorable ) Tj ET Q q 0 0 0 rg BT 423.85 277.10 Td (to ) Tj ET Q q 0 0 0 rg BT 434.03 277.10 Td (retain. ) Tj ET Q q 0 0 0 rg BT 461.16 277.10 Td (A) Tj ET Q q 0 0 0 rg BT 467.83 277.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.22 277.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 501.51 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.23 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.85 277.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 550.35 277.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 68.96 265.10 Td (into ) Tj ET Q q 0 0 0 rg BT 86.81 265.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.31 265.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 144.14 265.10 Td (market ) Tj ET Q q 0 0 0 rg BT 174.19 265.10 Td (were ) Tj ET Q q 0 0 0 rg BT 195.91 265.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 214.87 265.10 Td (with ) Tj ET Q q 0 0 0 rg BT 234.94 265.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.45 265.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 288.39 265.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.01 265.10 Td (those ) Tj ET Q q 0 0 0 rg BT 322.41 265.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 345.81 265.10 Td (retained. ) Tj ET Q q 0 0 0 rg BT 382.64 265.10 Td (The ) Tj ET Q q 0 0 0 rg BT 400.47 265.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 432.76 265.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.38 265.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.78 265.10 Td (serviced ) Tj ET Q q 0 0 0 rg BT 502.38 265.10 Td (for ) Tj ET Q q 0 0 0 rg BT 516.33 265.10 Td (others ) Tj ET Q q 0 0 0 rg BT 543.06 265.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.68 265.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.71 253.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 129.33 253.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.39 253.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 167.02 253.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.19 253.10 Td ($939.8 ) Tj ET Q q 0 0 0 rg BT 213.32 253.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.21 253.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.83 253.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.89 253.10 Td ($877.9 ) Tj ET Q q 0 0 0 rg BT 289.02 253.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.91 253.10 Td (, ) Tj ET Q q 0 0 0 rg BT 322.03 253.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 369.69 253.10 Td (. ) Tj ET Q q 0 0 0 rg BT 373.46 253.10 Td (All ) Tj ET Q q 0 0 0 rg BT 387.86 253.10 Td (other ) Tj ET Q q 0 0 0 rg BT 410.03 253.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 449.42 253.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 472.15 253.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 490.44 253.10 Td (into ) Tj ET Q q 0 0 0 rg BT 507.62 253.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.46 253.10 Td (secondary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.26 241.10 Td (were ) Tj ET Q q 0 0 0 rg BT 102.19 241.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 121.36 241.10 Td (without ) Tj ET Q q 0 0 0 rg BT 154.42 241.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.14 241.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 207.18 241.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.01 241.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 257.16 241.10 Td (rights.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (It ) Tj ET Q q 0 0 0 rg BT 58.33 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 67.23 220.10 Td (not ) Tj ET Q q 0 0 0 rg BT 82.23 220.10 Td (our ) Tj ET Q q 0 0 0 rg BT 97.79 220.10 Td (current ) Tj ET Q q 0 0 0 rg BT 128.33 220.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 162.20 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 172.20 220.10 Td (underwrite, ) Tj ET Q q 0 0 0 rg BT 220.24 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.91 220.10 Td (we ) Tj ET Q q 0 0 0 rg BT 250.79 220.10 Td (have ) Tj ET Q q 0 0 0 rg BT 271.89 220.10 Td (no ) Tj ET Q q 0 0 0 rg BT 284.12 220.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 307.45 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.46 220.10 Td (underwrite, ) Tj ET Q q 0 0 0 rg BT 365.50 220.10 Td (subprime, ) Tj ET Q q 0 0 0 rg BT 406.95 220.10 Td (Alt ) Tj ET Q q 0 0 0 rg BT 421.46 220.10 Td (A, ) Tj ET Q q 0 0 0 rg BT 433.41 220.10 Td (no ) Tj ET Q q 0 0 0 rg BT 445.63 220.10 Td (or ) Tj ET Q q 0 0 0 rg BT 456.19 220.10 Td (little ) Tj ET Q q 0 0 0 rg BT 476.75 220.10 Td (documentation ) Tj ET Q q 0 0 0 rg BT 538.40 220.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 208.10 Td (option ) Tj ET Q q 0 0 0 rg BT 88.33 208.10 Td (ARM ) Tj ET Q q 0 0 0 rg BT 113.62 208.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 139.17 208.10 Td (As ) Tj ET Q q 0 0 0 rg BT 152.79 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.62 208.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 222.20 208.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 247.20 208.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.46 208.10 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 327.46 208.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.35 208.10 Td ( ) Tj ET Q q 0 0 0 rg BT 358.85 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.68 208.10 Td (our ) Tj ET Q q 0 0 0 rg BT 385.51 208.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 429.67 208.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 459.95 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.78 208.10 Td (interest-only ) Tj ET Q q 0 0 0 rg BT 523.82 208.10 Td (loans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 187.10 Td (emium ) Tj ET Q q 0 0 0 rg BT 87.69 187.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 118.53 187.10 Td (r) Tj ET Q q 0 0 0 rg BT 122.05 187.10 Td (eceivables ) Tj ET Q q 0 0 0 rg BT 165.09 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.38 187.10 Td (commer) Tj ET Q q 0 0 0 rg BT 207.22 187.10 Td (cial.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.72 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 226.12 187.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 248.64 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.48 187.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 287.01 187.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 318.39 187.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 360.34 187.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.50 187.10 Td ($5.6 ) Tj ET Q q 0 0 0 rg BT 438.40 187.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.51 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 465.91 187.10 Td (in ) Tj ET Q q 0 0 0 rg BT 475.09 187.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 523.69 187.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 88.26 175.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 119.84 175.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 166.96 175.10 Td (during ) Tj ET Q q 0 0 0 rg BT 195.23 175.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 217.38 175.10 Td (as ) Tj ET Q q 0 0 0 rg BT 227.87 175.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 269.44 175.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.38 175.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.29 175.10 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 358.95 175.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.06 175.10 Td ( ) Tj ET Q q 0 0 0 rg BT 387.21 175.10 Td (in ) Tj ET Q q 0 0 0 rg BT 397.15 175.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 421.80 175.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 445.08 175.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.67 175.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 484.95 175.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 517.09 175.10 Td (make ) Tj ET Q q 0 0 0 rg BT 540.90 175.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.89 163.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 106.22 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.11 163.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 149.65 163.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.98 163.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 206.41 163.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 249.51 163.10 Td (they ) Tj ET Q q 0 0 0 rg BT 269.84 163.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 287.39 163.10 Td (on ) Tj ET Q q 0 0 0 rg BT 300.50 163.10 Td (their ) Tj ET Q q 0 0 0 rg BT 321.94 163.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 372.25 163.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 413.68 163.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 450.17 163.10 Td (The ) Tj ET Q q 0 0 0 rg BT 468.83 163.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 493.05 163.10 Td (are ) Tj ET Q q 0 0 0 rg BT 508.36 163.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 552.02 163.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (working ) Tj ET Q q 0 0 0 rg BT 85.85 151.10 Td (through ) Tj ET Q q 0 0 0 rg BT 119.49 151.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 170.88 151.10 Td (medium ) Tj ET Q q 0 0 0 rg BT 206.18 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.14 151.10 Td (lar) Tj ET Q q 0 0 0 rg BT 233.51 151.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 245.47 151.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 286.31 151.10 Td (agents ) Tj ET Q q 0 0 0 rg BT 314.38 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.35 151.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 363.86 151.10 Td (located ) Tj ET Q q 0 0 0 rg BT 395.26 151.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 441.67 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.41 151.10 Td (United ) Tj ET Q q 0 0 0 rg BT 486.15 151.10 Td (States ) Tj ET Q q 0 0 0 rg BT 512.56 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 529.53 151.10 Td (Canada. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.77 139.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 108.30 139.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 150.52 139.10 Td (financed ) Tj ET Q q 0 0 0 rg BT 187.16 139.10 Td (are ) Tj ET Q q 0 0 0 rg BT 201.59 139.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 241.02 139.10 Td (for ) Tj ET Q q 0 0 0 rg BT 254.91 139.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 304.32 139.10 Td (customers) Tj ET Q q 0 0 0 rg BT 347.46 139.10 Td ( ) Tj ET Q q 0 0 0 rg BT 349.68 139.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 391.33 139.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.88 139.10 Td (liability) Tj ET Q q 0 0 0 rg BT 432.34 139.10 Td (, ) Tj ET Q q 0 0 0 rg BT 437.06 139.10 Td (property ) Tj ET Q q 0 0 0 rg BT 473.16 139.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.82 139.10 Td (casualty ) Tj ET Q q 0 0 0 rg BT 524.80 139.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 139.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.70 127.10 Td (insurance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (This ) Tj ET Q q 0 0 0 rg BT 70.04 106.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 102.30 106.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 138.45 106.10 Td (relatively ) Tj ET Q q 0 0 0 rg BT 178.47 106.10 Td (rapid ) Tj ET Q q 0 0 0 rg BT 201.28 106.10 Td (turnover ) Tj ET Q q 0 0 0 rg BT 237.42 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.01 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.49 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 281.97 106.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 319.22 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.92 106.10 Td (high ) Tj ET Q q 0 0 0 rg BT 355.96 106.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 388.22 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.81 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 418.29 106.10 Td (originations. ) Tj ET Q q 0 0 0 rg BT 470.83 106.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 506.41 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.00 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.48 106.10 Td (indirect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 77.86 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.07 94.10 Td (this ) Tj ET Q q 0 0 0 rg BT 106.40 94.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 139.27 94.10 Td (through ) Tj ET Q q 0 0 0 rg BT 173.25 94.10 Td (third ) Tj ET Q q 0 0 0 rg BT 195.02 94.10 Td (party ) Tj ET Q q 0 0 0 rg BT 218.44 94.10 Td (agents ) Tj ET Q q 0 0 0 rg BT 246.87 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.18 94.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 297.05 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.37 94.10 Td (because ) Tj ET Q q 0 0 0 rg BT 348.89 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.98 94.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 407.40 94.10 Td (are ) Tj ET Q q 0 0 0 rg BT 422.49 94.10 Td (located ) Tj ET Q q 0 0 0 rg BT 454.24 94.10 Td (nationwide ) Tj ET Q q 0 0 0 rg BT 501.55 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.86 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 529.52 94.10 Td (Canada, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (this ) Tj ET Q q 0 0 0 rg BT 67.03 82.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 102.94 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 112.19 82.10 Td (more ) Tj ET Q q 0 0 0 rg BT 135.32 82.10 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 182.33 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.69 82.10 Td (third ) Tj ET Q q 0 0 0 rg BT 214.16 82.10 Td (party ) Tj ET Q q 0 0 0 rg BT 237.29 82.10 Td (fraud ) Tj ET Q q 0 0 0 rg BT 260.97 82.10 Td (than ) Tj ET Q q 0 0 0 rg BT 280.77 82.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 330.57 82.10 Td (lending. ) Tj ET Q q 0 0 0 rg BT 365.46 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 383.58 82.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 425.05 82.10 Td (performs ) Tj ET Q q 0 0 0 rg BT 463.73 82.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 499.09 82.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 524.44 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 82.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 83.27 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.78 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.17 70.10 Td (agents ) Tj ET Q q 0 0 0 rg BT 135.89 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.50 70.10 Td (brokers, ) Tj ET Q q 0 0 0 rg BT 187.17 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.78 70.10 Td (performs ) Tj ET Q q 0 0 0 rg BT 242.05 70.10 Td (various ) Tj ET Q q 0 0 0 rg BT 273.67 70.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 306.38 70.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 328.55 70.10 Td (steps ) Tj ET Q q 0 0 0 rg BT 350.73 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 360.68 70.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 395.62 70.10 Td (against ) Tj ET Q q 0 0 0 rg BT 426.12 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.51 70.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 457.69 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 468.19 70.10 Td (any ) Tj ET Q q 0 0 0 rg BT 484.80 70.10 Td (fraud. ) Tj ET Q q 0 0 0 rg BT 510.42 70.10 Td (The ) Tj ET Q q 0 0 0 rg BT 528.14 70.10 Td (majority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.65 58.10 Td (these ) Tj ET Q q 0 0 0 rg BT 83.52 58.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 106.95 58.10 Td (are ) Tj ET Q q 0 0 0 rg BT 121.48 58.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 164.34 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 176.66 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.20 58.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 216.85 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.95 58.10 Td (order ) Tj ET Q q 0 0 0 rg BT 250.37 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.47 58.10 Td (more ) Tj ET Q q 0 0 0 rg BT 283.34 58.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 304.55 58.10 Td (utilize ) Tj ET Q q 0 0 0 rg BT 331.86 58.10 Td (their ) Tj ET Q q 0 0 0 rg BT 352.51 58.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 384.82 58.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 420.46 58.10 Td (as ) Tj ET Q q 0 0 0 rg BT 431.11 58.10 Td (these ) Tj ET Q q 0 0 0 rg BT 453.98 58.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 477.41 58.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 516.93 58.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 549.80 58.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.83 46.10 Td (with ) Tj ET Q q 0 0 0 rg BT 96.11 46.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 124.16 46.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 150.54 46.10 Td (than ) Tj ET Q q 0 0 0 rg BT 170.26 46.10 Td (alternative ) Tj ET Q q 0 0 0 rg BT 214.96 46.10 Td (investments.) Tj ET Q endstream endobj 149 0 obj <> endobj 150 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (74) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 742.10 Td (emium ) Tj ET Q q 0 0 0 rg BT 88.74 742.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 120.62 742.10 Td (r) Tj ET Q q 0 0 0 rg BT 124.14 742.10 Td (eceivables ) Tj ET Q q 0 0 0 rg BT 168.23 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.58 742.10 Td (life ) Tj ET Q q 0 0 0 rg BT 194.80 742.10 Td (insurance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.74 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 239.19 742.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 262.76 742.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 305.75 742.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.96 742.10 Td ($914.0 ) Tj ET Q q 0 0 0 rg BT 395.91 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.80 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 427.25 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.48 742.10 Td (life ) Tj ET Q q 0 0 0 rg BT 453.26 742.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 494.02 742.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 532.58 742.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 98.12 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 109.04 730.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 132.19 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 143.66 730.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 186.23 730.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.16 730.10 Td ($653.2 ) Tj ET Q q 0 0 0 rg BT 227.80 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.69 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 259.84 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 270.77 730.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 296.18 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 314.88 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 356.91 730.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 398.38 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.30 730.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 455.75 730.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 496.65 730.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 547.57 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 79.79 718.10 Td (pressure ) Tj ET Q q 0 0 0 rg BT 114.58 718.10 Td (within ) Tj ET Q q 0 0 0 rg BT 141.61 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.30 718.10 Td (current ) Tj ET Q q 0 0 0 rg BT 185.08 718.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 216.71 718.10 Td (These ) Tj ET Q q 0 0 0 rg BT 242.06 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 264.63 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 278.31 718.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 320.32 718.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 352.33 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 371.58 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.27 718.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 427.28 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 446.53 718.10 Td (assistance ) Tj ET Q q 0 0 0 rg BT 487.98 718.10 Td (from ) Tj ET Q q 0 0 0 rg BT 508.89 718.10 Td (life ) Tj ET Q q 0 0 0 rg BT 523.69 718.10 Td (insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (carriers, ) Tj ET Q q 0 0 0 rg BT 85.94 706.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 138.27 706.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 180.05 706.10 Td (agents, ) Tj ET Q q 0 0 0 rg BT 211.55 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 250.00 706.10 Td (advisors ) Tj ET Q q 0 0 0 rg BT 286.79 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.69 706.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 327.58 706.10 Td (counsel. ) Tj ET Q q 0 0 0 rg BT 363.84 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 382.85 706.10 Td (life ) Tj ET Q q 0 0 0 rg BT 399.63 706.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 441.41 706.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 469.86 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 479.99 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.67 706.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 530.79 706.10 Td (form ) Tj ET Q q 0 0 0 rg BT 553.69 706.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 91.89 694.10 Td (In ) Tj ET Q q 0 0 0 rg BT 102.42 694.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 139.88 694.10 Td (these ) Tj ET Q q 0 0 0 rg BT 162.62 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 185.93 694.10 Td (often ) Tj ET Q q 0 0 0 rg BT 208.67 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 223.07 694.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 255.80 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 275.77 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 282.40 694.10 Td (letter ) Tj ET Q q 0 0 0 rg BT 305.14 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.66 694.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 343.12 694.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 389.73 694.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 429.69 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 440.21 694.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 486.27 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.79 694.10 Td (deposit. ) Tj ET Q q 0 0 0 rg BT 530.37 694.10 Td (In ) Tj ET Q q 0 0 0 rg BT 540.89 694.10 Td (some ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 76.10 682.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 99.72 682.10 Td (may ) Tj ET Q q 0 0 0 rg BT 119.44 682.10 Td (make ) Tj ET Q q 0 0 0 rg BT 143.59 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 150.53 682.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 170.25 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 187.74 682.10 Td (has ) Tj ET Q q 0 0 0 rg BT 203.57 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 210.51 682.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 246.33 682.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 289.37 682.10 Td (position.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.66 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.21 661.10 Td (other) Tj ET Q q 0 0 0 rg BT 131.21 661.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.71 661.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.26 661.10 Td (Included ) Tj ET Q q 0 0 0 rg BT 173.79 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 184.12 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.89 661.10 Td (other ) Tj ET Q q 0 0 0 rg BT 221.98 661.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 241.75 661.10 Td (category ) Tj ET Q q 0 0 0 rg BT 278.72 661.10 Td (is ) Tj ET Q q 0 0 0 rg BT 287.94 661.10 Td (a ) Tj ET Q q 0 0 0 rg BT 294.93 661.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 316.91 661.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 347.23 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.11 661.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 394.53 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 411.52 661.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 452.94 661.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 476.60 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.93 661.10 Td (individuals ) Tj ET Q q 0 0 0 rg BT 533.92 661.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.80 661.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (as ) Tj ET Q q 0 0 0 rg BT 59.94 649.10 Td (high ) Tj ET Q q 0 0 0 rg BT 79.32 649.10 Td (yielding ) Tj ET Q q 0 0 0 rg BT 113.71 649.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 156.97 649.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 193.56 649.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 236.25 649.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 275.62 649.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.01 649.10 Td (clients ) Tj ET Q q 0 0 0 rg BT 312.72 649.10 Td (in ) Tj ET Q q 0 0 0 rg BT 322.10 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.93 649.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 378.63 649.10 Td (staf) Tj ET Q q 0 0 0 rg BT 392.89 649.10 Td (fing ) Tj ET Q q 0 0 0 rg BT 410.60 649.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 444.99 649.10 Td (located ) Tj ET Q q 0 0 0 rg BT 475.47 649.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 520.97 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.79 649.10 Td (United ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 78.71 637.10 Td (The ) Tj ET Q q 0 0 0 rg BT 96.75 637.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 122.58 637.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 160.63 637.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 202.00 637.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 225.61 637.10 Td (in ) Tj ET Q q 0 0 0 rg BT 235.89 637.10 Td (order ) Tj ET Q q 0 0 0 rg BT 259.49 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.77 637.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 302.81 637.10 Td (a ) Tj ET Q q 0 0 0 rg BT 309.75 637.10 Td (wider ) Tj ET Q q 0 0 0 rg BT 335.02 637.10 Td (range ) Tj ET Q q 0 0 0 rg BT 359.73 637.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.56 637.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 408.04 637.10 Td (services ) Tj ET Q q 0 0 0 rg BT 442.74 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.02 637.10 Td (their ) Tj ET Q q 0 0 0 rg BT 473.85 637.10 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.39 613.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 116.78 613.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 156.26 613.10 Td (have ) Tj ET Q q 0 0 0 rg BT 177.42 613.10 Td (shorter ) Tj ET Q q 0 0 0 rg BT 207.47 613.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 231.96 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.68 613.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 276.51 613.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 308.22 613.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 329.38 613.10 Td (than ) Tj ET Q q 0 0 0 rg BT 348.88 613.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 388.92 613.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 412.31 613.10 Td (but ) Tj ET Q q 0 0 0 rg BT 427.37 613.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 466.85 613.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 499.13 613.10 Td (more ) Tj ET Q q 0 0 0 rg BT 521.95 613.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 547.00 613.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.66 601.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 109.86 601.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 133.41 601.10 Td (due ) Tj ET Q q 0 0 0 rg BT 150.29 601.10 Td (to ) Tj ET Q q 0 0 0 rg BT 160.51 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.17 601.10 Td (type ) Tj ET Q q 0 0 0 rg BT 194.82 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.70 601.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 239.13 601.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.90 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.55 601.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 306.15 601.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 356.06 601.10 Td (, ) Tj ET Q q 0 0 0 rg BT 361.00 601.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 405.09 601.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 442.52 601.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 486.04 601.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 526.24 601.10 Td (may ) Tj ET Q q 0 0 0 rg BT 545.90 601.10 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 82.38 589.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 112.51 589.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 137.66 589.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 158.93 589.10 Td (than ) Tj ET Q q 0 0 0 rg BT 178.53 589.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 218.11 589.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 261.59 589.10 Td (with ) Tj ET Q q 0 0 0 rg BT 281.75 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.35 589.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 315.95 589.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 357.22 589.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.93 589.10 Td (more ) Tj ET Q q 0 0 0 rg BT 390.86 589.10 Td (traditional ) Tj ET Q q 0 0 0 rg BT 434.34 589.10 Td (community ) Tj ET Q q 0 0 0 rg BT 482.27 589.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 507.98 589.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 552.02 589.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 577.10 Td (marketability ) Tj ET Q q 0 0 0 rg BT 120.53 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.36 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.08 577.10 Td (collateral.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (For) Tj ET Q q 0 0 0 rg BT 64.63 556.10 Td (eign.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.35 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 87.01 556.10 Td (The ) Tj ET Q q 0 0 0 rg BT 105.43 556.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 147.19 556.10 Td (had ) Tj ET Q q 0 0 0 rg BT 164.49 556.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.12 556.10 Td ($278.3 ) Tj ET Q q 0 0 0 rg BT 255.50 556.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.39 556.10 Td ( ) Tj ET Q q 0 0 0 rg BT 287.26 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.46 556.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 322.44 556.10 Td (to ) Tj ET Q q 0 0 0 rg BT 333.09 556.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 378.18 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.38 556.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 421.13 556.10 Td (countries ) Tj ET Q q 0 0 0 rg BT 460.66 556.10 Td (as ) Tj ET Q q 0 0 0 rg BT 471.86 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.06 556.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 556.10 Td (2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 92.14 544.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.64 544.10 Td ($31) Tj ET Q q 0 0 0 rg BT 117.27 544.10 Td (1.7 ) Tj ET Q q 0 0 0 rg BT 132.48 544.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.37 544.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.09 544.10 Td (at ) Tj ET Q q 0 0 0 rg BT 174.03 544.10 Td (December ) Tj ET Q q 0 0 0 rg BT 217.83 544.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 233.04 544.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 258.07 544.10 Td (This ) Tj ET Q q 0 0 0 rg BT 278.56 544.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 311.81 544.10 Td (as ) Tj ET Q q 0 0 0 rg BT 322.86 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.91 544.10 Td (December ) Tj ET Q q 0 0 0 rg BT 377.71 544.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 392.92 544.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 415.64 544.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 450.03 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.08 544.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 484.90 544.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 528.16 544.10 Td (by ) Tj ET Q q 0 0 0 rg BT 540.88 544.10 Td (FIFC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (Canada.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td (Maturities ) Tj ET Q q 0 0 0 rg BT 94.17 511.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.67 511.10 Td (Sensitivities ) Tj ET Q q 0 0 0 rg BT 161.93 511.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.21 511.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 199.17 511.10 Td (to ) Tj ET Q q 0 0 0 rg BT 209.44 511.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 246.94 511.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.22 511.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 276.29 511.10 Td (est ) Tj ET Q q 0 0 0 rg BT 289.90 511.10 Td (Rates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.72 490.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.79 490.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.40 490.10 Td (classifies ) Tj ET Q q 0 0 0 rg BT 169.23 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.62 490.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 233.00 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 252.39 490.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 293.45 490.10 Td (at ) Tj ET Q q 0 0 0 rg BT 302.85 490.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 361.11 490.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 383.29 490.10 Td (by ) Tj ET Q q 0 0 0 rg BT 395.46 490.10 Td (date ) Tj ET Q q 0 0 0 rg BT 414.29 490.10 Td (at ) Tj ET Q q 0 0 0 rg BT 423.69 490.10 Td (which ) Tj ET Q q 0 0 0 rg BT 450.30 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.70 490.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 487.98 490.10 Td (re-price ) Tj ET Q q 0 0 0 rg BT 521.24 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 531.75 490.10 Td (mature, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.66 478.10 Td (type ) Tj ET Q q 0 0 0 rg BT 101.37 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.20 478.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 129.69 478.10 Td (exposure:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 448.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 448.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 448.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 448.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 448.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 448.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 448.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 448.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 448.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 426.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 426.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 426.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 426.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 426.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 426.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 426.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 426.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 426.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 404.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 404.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 404.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 404.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 404.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 404.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 404.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 404.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 404.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 382.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 382.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 382.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 382.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 382.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 382.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 382.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 382.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 382.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 360.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 360.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 360.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 360.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 360.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 360.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 360.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 360.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 360.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 338.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 338.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 338.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 338.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 338.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 338.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 338.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 338.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 338.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 316.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 316.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 316.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 316.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 316.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 316.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 316.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 316.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 316.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 294.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 294.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 294.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 294.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 294.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 294.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 294.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 294.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 294.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 272.60 226.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 272.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 272.60 68.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 272.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 272.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 272.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 272.60 67.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 272.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 272.60 68.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 467.6 m 276.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 448.6 m 276.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 467.6 m 280.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 448.6 m 280.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 467.6 m 348.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 448.6 m 348.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 467.6 m 352.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 448.6 m 352.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 467.6 m 419.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 448.6 m 419.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 467.6 m 423.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 448.6 m 423.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 467.6 m 490.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 448.6 m 490.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 467.6 m 494.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 448.6 m 494.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 467.6 m 562.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 448.6 m 562.5 448.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 393.6 m 348.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 382.6 m 348.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 393.6 m 352.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 382.6 m 352.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 393.6 m 419.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 382.6 m 419.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 393.6 m 423.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 382.6 m 423.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 393.6 m 490.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 382.6 m 490.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 393.6 m 494.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 382.6 m 494.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 393.6 m 562.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 382.6 m 562.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 327.6 m 348.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 316.6 m 348.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 327.6 m 352.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 316.6 m 352.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 327.6 m 419.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 316.6 m 419.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 327.6 m 423.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 316.6 m 423.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 327.6 m 490.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 316.6 m 490.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 327.6 m 494.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 316.6 m 494.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 327.6 m 562.5 327.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 316.6 m 562.5 316.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 249.60000000000002 m 276.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 249.60000000000002 m 280.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 261.6 m 348.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 249.60000000000002 m 348.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 261.6 m 352.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 249.60000000000002 m 352.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 261.6 m 419.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 249.60000000000002 m 419.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 261.6 m 423.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 249.60000000000002 m 423.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 261.6 m 490.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 249.60000000000002 m 490.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 261.6 m 494.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 249.60000000000002 m 494.5 249.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 261.6 m 562.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 249.60000000000002 m 562.5 249.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 452.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.10 459.55 Td (One year or) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.00 451.55 Td (less) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.90 459.55 Td (From one to) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 451.55 Td (five years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.25 459.55 Td (Over five) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.05 451.55 Td (years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.80 452.85 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 439.91 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 428.91 Td (Fixed rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.00 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 320.25 429.05 Td (81,553) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 429.05 Td (612,979) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 429.05 Td (292,371) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 429.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 429.05 Td (986,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 417.91 Td (Variable rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.00 406.91 Td (With floor feature) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.75 407.05 Td (630,833) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.75 407.05 Td (4,783) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 407.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 407.05 Td (635,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.00 395.91 Td (Without floor feature) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 396.05 Td (3,082,306) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 395.75 396.05 Td (8,270) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 396.05 Td (814) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 396.05 Td (3,091,390) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 384.91 Td (Total commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.00 385.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 385.05 Td (3,794,692) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 385.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 386.75 385.05 Td (626,032) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 385.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 385.05 Td (293,185) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 385.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 385.05 Td (4,713,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 373.91 Td (Commercial real-estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 362.91 Td (Fixed rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.00 363.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.75 363.05 Td (360,298) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 363.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 363.05 Td (1,727,118) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 363.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 363.05 Td (234,623) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 363.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 363.05 Td (2,322,039) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 351.91 Td (Variable rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.00 340.91 Td (With floor feature) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 315.75 341.05 Td (247,892) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 341.05 Td (10,739) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 341.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 341.05 Td (258,631) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.00 329.91 Td (Without floor feature) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 330.05 Td (2,897,620) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 330.05 Td (45,953) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.75 330.05 Td (5,046) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 330.05 Td (2,948,619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 318.91 Td (Total commercial real-estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 319.05 Td (3,505,810) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 319.05 Td (1,783,810) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 457.75 319.05 Td (239,669) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 319.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 319.05 Td (5,529,289) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 307.91 Td (Premium finance receivables, net of unearned income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 296.91 Td (Fixed rate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.00 297.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 297.05 Td (2,414,107) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 297.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 297.05 Td (61,334) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 297.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 297.05 Td (392) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 297.05 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 297.05 Td (2,475,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 285.91 Td (Variable rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.00 274.91 Td (With floor feature) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 275.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 275.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 275.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 550.00 275.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 89.00 263.91 Td (Without floor feature) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 264.05 Td (2,860,584) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.00 264.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 478.00 264.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 264.05 Td (2,860,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 73.00 252.86 Td (Total premium finance receivables) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.00 253.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.00 253.00 Td (5,274,691) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 355.00 253.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.25 253.00 Td (61,334) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 253.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.50 253.00 Td (392) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.00 253.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 253.00 Td (5,336,417) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 151 0 obj <> endobj 152 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (75) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Past Due Loans and Non-performing ) Tj ET Q q 0 0 0 rg BT 209.74 742.25 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.74 721.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 95.49 721.25 Td (to ) Tj ET Q q 0 0 0 rg BT 105.46 721.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 138.74 721.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 163.70 721.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 180.89 721.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 215.85 721.25 Td (in ) Tj ET Q q 0 0 0 rg BT 225.82 721.25 Td (lar) Tj ET Q q 0 0 0 rg BT 236.18 721.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 247.81 721.25 Td (part ) Tj ET Q q 0 0 0 rg BT 265.55 721.25 Td (on ) Tj ET Q q 0 0 0 rg BT 277.74 721.25 Td (our ) Tj ET Q q 0 0 0 rg BT 293.26 721.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 321.01 721.25 Td (to ) Tj ET Q q 0 0 0 rg BT 330.98 721.25 Td (properly ) Tj ET Q q 0 0 0 rg BT 367.05 721.25 Td (identify ) Tj ET Q q 0 0 0 rg BT 400.34 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 416.97 721.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 450.26 721.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 485.77 721.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 511.41 721.25 Td (T) Tj ET Q q 0 0 0 rg BT 516.82 721.25 Td (o ) Tj ET Q q 0 0 0 rg BT 524.02 721.25 Td (do ) Tj ET Q q 0 0 0 rg BT 536.21 721.25 Td (so, ) Tj ET Q q 0 0 0 rg BT 549.79 721.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.87 709.25 Td (operates ) Tj ET Q q 0 0 0 rg BT 128.16 709.25 Td (a ) Tj ET Q q 0 0 0 rg BT 135.58 709.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 161.32 709.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 179.30 709.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 205.61 709.25 Td (system ) Tj ET Q q 0 0 0 rg BT 236.37 709.25 Td (under ) Tj ET Q q 0 0 0 rg BT 262.12 709.25 Td (which ) Tj ET Q q 0 0 0 rg BT 289.53 709.25 Td (our ) Tj ET Q q 0 0 0 rg BT 305.84 709.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 331.59 709.25 Td (management ) Tj ET Q q 0 0 0 rg BT 385.66 709.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 427.51 709.25 Td (assign ) Tj ET Q q 0 0 0 rg BT 455.49 709.25 Td (a ) Tj ET Q q 0 0 0 rg BT 462.91 709.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 488.66 709.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 506.64 709.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 532.94 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 543.70 709.25 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.22 697.25 Td (at ) Tj ET Q q 0 0 0 rg BT 78.43 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.65 697.25 Td (time ) Tj ET Q q 0 0 0 rg BT 112.42 697.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.75 697.25 Td (origination ) Tj ET Q q 0 0 0 rg BT 168.63 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 185.06 697.25 Td (review ) Tj ET Q q 0 0 0 rg BT 214.27 697.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.38 697.25 Td (on ) Tj ET Q q 0 0 0 rg BT 249.38 697.25 Td (a ) Tj ET Q q 0 0 0 rg BT 255.81 697.25 Td (regular ) Tj ET Q q 0 0 0 rg BT 286.13 697.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 308.12 697.25 Td (to ) Tj ET Q q 0 0 0 rg BT 317.90 697.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 359.88 697.25 Td (each ) Tj ET Q q 0 0 0 rg BT 380.19 697.25 Td (loan) Tj ET Q q 0 0 0 rg BT 400.19 697.25 Td (s ) Tj ET Q q 0 0 0 rg BT 406.08 697.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 430.84 697.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 447.84 697.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 473.16 697.25 Td (on ) Tj ET Q q 0 0 0 rg BT 485.16 697.25 Td (a ) Tj ET Q q 0 0 0 rg BT 491.60 697.25 Td (scale ) Tj ET Q q 0 0 0 rg BT 513.58 697.25 Td (of ) Tj ET Q q 0 0 0 rg BT 523.91 697.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 530.91 697.25 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (10 ) Tj ET Q q 0 0 0 rg BT 62.50 685.25 Td (with ) Tj ET Q q 0 0 0 rg BT 82.78 685.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 110.83 685.25 Td (scores ) Tj ET Q q 0 0 0 rg BT 138.32 685.25 Td (indicating ) Tj ET Q q 0 0 0 rg BT 180.81 685.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 208.85 685.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 228.67 685.25 Td (The ) Tj ET Q q 0 0 0 rg BT 246.72 685.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 271.98 685.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 289.48 685.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 315.31 685.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 352.79 685.25 Td (used ) Tj ET Q q 0 0 0 rg BT 373.62 685.25 Td (is ) Tj ET Q q 0 0 0 rg BT 382.79 685.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 411.41 685.25 Td (below:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 655.32 Td (1 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 645.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 655.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 645.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 655.32 Td (Minimal ) Tj ET Q q 0 0 0 rg BT 200.73 655.32 Td (Risk ) Tj ET Q q 0 0 0 rg BT 221.35 655.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 245.86 655.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 283.70 655.32 Td ( ) Tj ET Q q 0 0 0 rg BT 295.98 655.32 Td (none ) Tj ET Q q 0 0 0 rg BT 317.71 655.32 Td (or ) Tj ET Q q 0 0 0 rg BT 328.32 655.32 Td (extremely ) Tj ET Q q 0 0 0 rg BT 370.59 655.32 Td (low\) ) Tj ET Q q 0 0 0 rg BT 391.20 655.32 Td (\(Superior ) Tj ET Q q 0 0 0 rg BT 431.26 655.32 Td (asset ) Tj ET Q q 0 0 0 rg BT 452.98 655.32 Td (quality) Tj ET Q q 0 0 0 rg BT 480.10 655.32 Td (, ) Tj ET Q q 0 0 0 rg BT 484.89 655.32 Td (excellent ) Tj ET Q q 0 0 0 rg BT 523.26 655.32 Td (liquidity) Tj ET Q q 0 0 0 rg BT 556.50 655.32 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 645.32 Td (minimal ) Tj ET Q q 0 0 0 rg BT 199.83 645.32 Td (leverage\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 616.32 Td (2 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 606.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 616.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 606.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 616.32 Td (Modest ) Tj ET Q q 0 0 0 rg BT 195.36 616.32 Td (Risk ) Tj ET Q q 0 0 0 rg BT 215.06 616.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 238.64 616.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 275.55 616.32 Td (demonstrably ) Tj ET Q q 0 0 0 rg BT 331.34 616.32 Td (low\) ) Tj ET Q q 0 0 0 rg BT 351.03 616.32 Td (\(V) Tj ET Q q 0 0 0 rg BT 361.03 616.32 Td (ery ) Tj ET Q q 0 0 0 rg BT 374.60 616.32 Td (good ) Tj ET Q q 0 0 0 rg BT 395.96 616.32 Td (asset ) Tj ET Q q 0 0 0 rg BT 416.76 616.32 Td (quality ) Tj ET Q q 0 0 0 rg BT 445.89 616.32 Td (and ) Tj ET Q q 0 0 0 rg BT 461.69 616.32 Td (liquidity) Tj ET Q q 0 0 0 rg BT 495.25 616.32 Td (, ) Tj ET Q q 0 0 0 rg BT 498.79 616.32 Td (strong ) Tj ET Q q 0 0 0 rg BT 525.15 616.32 Td (leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 606.32 Td (capacity\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 577.32 Td (3 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 567.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 577.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 567.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 577.32 Td (A) Tj ET Q q 0 0 0 rg BT 170.85 577.32 Td (verage ) Tj ET Q q 0 0 0 rg BT 200.52 577.32 Td (Risk ) Tj ET Q q 0 0 0 rg BT 222.26 577.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 247.88 577.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 286.83 577.32 Td (low ) Tj ET Q q 0 0 0 rg BT 305.23 577.32 Td (but ) Tj ET Q q 0 0 0 rg BT 321.40 577.32 Td (no ) Tj ET Q q 0 0 0 rg BT 334.80 577.32 Td (longer ) Tj ET Q q 0 0 0 rg BT 363.74 577.32 Td (refutable\) ) Tj ET Q q 0 0 0 rg BT 406.00 577.32 Td (\(Mostly ) Tj ET Q q 0 0 0 rg BT 441.07 577.32 Td (satisfactory ) Tj ET Q q 0 0 0 rg BT 490.56 577.32 Td (asset ) Tj ET Q q 0 0 0 rg BT 513.40 577.32 Td (quality ) Tj ET Q q 0 0 0 rg BT 544.57 577.32 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 567.32 Td (liquidity) Tj ET Q q 0 0 0 rg BT 197.57 567.32 Td (, ) Tj ET Q q 0 0 0 rg BT 202.24 567.32 Td (good ) Tj ET Q q 0 0 0 rg BT 224.74 567.32 Td (leverage ) Tj ET Q q 0 0 0 rg BT 261.10 567.32 Td (capacity\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 538.32 Td (4 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 528.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 538.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 528.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 538.32 Td (Above ) Tj ET Q q 0 0 0 rg BT 192.37 538.32 Td (A) Tj ET Q q 0 0 0 rg BT 198.95 538.32 Td (verage ) Tj ET Q q 0 0 0 rg BT 227.06 538.32 Td (Risk ) Tj ET Q q 0 0 0 rg BT 247.25 538.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 271.31 538.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 308.71 538.32 Td (variable, ) Tj ET Q q 0 0 0 rg BT 345.25 538.32 Td (but ) Tj ET Q q 0 0 0 rg BT 359.88 538.32 Td (some ) Tj ET Q q 0 0 0 rg BT 382.83 538.32 Td (potential ) Tj ET Q q 0 0 0 rg BT 419.66 538.32 Td (for ) Tj ET Q q 0 0 0 rg BT 433.16 538.32 Td (deterioration\) ) Tj ET Q q 0 0 0 rg BT 489.43 538.32 Td (\(Acceptable ) Tj ET Q q 0 0 0 rg BT 539.57 538.32 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 528.32 Td (quality) Tj ET Q q 0 0 0 rg BT 191.45 528.32 Td (, ) Tj ET Q q 0 0 0 rg BT 196.12 528.32 Td (little ) Tj ET Q q 0 0 0 rg BT 216.95 528.32 Td (excess ) Tj ET Q q 0 0 0 rg BT 245.55 528.32 Td (liquidity) Tj ET Q q 0 0 0 rg BT 279.12 528.32 Td (, ) Tj ET Q q 0 0 0 rg BT 283.79 528.32 Td (modest ) Tj ET Q q 0 0 0 rg BT 315.18 528.32 Td (leverage ) Tj ET Q q 0 0 0 rg BT 351.54 528.32 Td (capacity\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 499.32 Td (5 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 489.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 499.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 489.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 499.32 Td (Management ) Tj ET Q q 0 0 0 rg BT 219.42 499.32 Td (Attention ) Tj ET Q q 0 0 0 rg BT 260.69 499.32 Td (Risk ) Tj ET Q q 0 0 0 rg BT 282.80 499.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 308.80 499.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 348.13 499.32 Td (moderate ) Tj ET Q q 0 0 0 rg BT 389.10 499.32 Td (if ) Tj ET Q q 0 0 0 rg BT 398.98 499.32 Td (corrective ) Tj ET Q q 0 0 0 rg BT 442.73 499.32 Td (action ) Tj ET Q q 0 0 0 rg BT 470.94 499.32 Td (not ) Tj ET Q q 0 0 0 rg BT 487.49 499.32 Td (taken\) ) Tj ET Q q 0 0 0 rg BT 516.25 499.32 Td (\(Generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 489.32 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 208.69 489.32 Td (asset ) Tj ET Q q 0 0 0 rg BT 230.63 489.32 Td (quality) Tj ET Q q 0 0 0 rg BT 258.07 489.32 Td (, ) Tj ET Q q 0 0 0 rg BT 262.75 489.32 Td (somewhat ) Tj ET Q q 0 0 0 rg BT 305.80 489.32 Td (strained ) Tj ET Q q 0 0 0 rg BT 339.95 489.32 Td (liquidity) Tj ET Q q 0 0 0 rg BT 373.52 489.32 Td (, ) Tj ET Q q 0 0 0 rg BT 378.19 489.32 Td (minimal ) Tj ET Q q 0 0 0 rg BT 414.02 489.32 Td (leverage ) Tj ET Q q 0 0 0 rg BT 450.39 489.32 Td (capacity\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.32 Td (6 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 450.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 460.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 450.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 460.32 Td (Special ) Tj ET Q q 0 0 0 rg BT 195.59 460.32 Td (Mention ) Tj ET Q q 0 0 0 rg BT 231.63 460.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 256.00 460.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 293.70 460.32 Td (moderate ) Tj ET Q q 0 0 0 rg BT 333.06 460.32 Td (if ) Tj ET Q q 0 0 0 rg BT 341.32 460.32 Td (corrective ) Tj ET Q q 0 0 0 rg BT 383.44 460.32 Td (action ) Tj ET Q q 0 0 0 rg BT 410.03 460.32 Td (not ) Tj ET Q q 0 0 0 rg BT 424.96 460.32 Td (taken\) ) Tj ET Q q 0 0 0 rg BT 452.10 460.32 Td (\(Assets ) Tj ET Q q 0 0 0 rg BT 483.69 460.32 Td (in ) Tj ET Q q 0 0 0 rg BT 493.62 460.32 Td (this ) Tj ET Q q 0 0 0 rg BT 510.22 460.32 Td (category ) Tj ET Q q 0 0 0 rg BT 546.80 460.32 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 450.32 Td (currently ) Tj ET Q q 0 0 0 rg BT 202.59 450.32 Td (protected, ) Tj ET Q q 0 0 0 rg BT 244.80 450.32 Td (potentially ) Tj ET Q q 0 0 0 rg BT 290.06 450.32 Td (weak, ) Tj ET Q q 0 0 0 rg BT 316.16 450.32 Td (but ) Tj ET Q q 0 0 0 rg BT 331.44 450.32 Td (not ) Tj ET Q q 0 0 0 rg BT 346.72 450.32 Td (to ) Tj ET Q q 0 0 0 rg BT 357.00 450.32 Td (the ) Tj ET Q q 0 0 0 rg BT 371.71 450.32 Td (point ) Tj ET Q q 0 0 0 rg BT 394.77 450.32 Td (of ) Tj ET Q q 0 0 0 rg BT 405.60 450.32 Td (substandard ) Tj ET Q q 0 0 0 rg BT 455.87 450.32 Td (classification\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 421.32 Td (7 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 400.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 421.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 400.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 421.32 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 215.49 421.32 Td (Accrual ) Tj ET Q q 0 0 0 rg BT 249.14 421.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 273.65 421.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 311.48 421.32 Td (distinct ) Tj ET Q q 0 0 0 rg BT 343.21 421.32 Td (possibility ) Tj ET Q q 0 0 0 rg BT 387.16 421.32 Td (that ) Tj ET Q q 0 0 0 rg BT 404.44 421.32 Td (the ) Tj ET Q q 0 0 0 rg BT 418.94 421.32 Td (bank ) Tj ET Q q 0 0 0 rg BT 440.66 421.32 Td (may ) Tj ET Q q 0 0 0 rg BT 460.16 421.32 Td (sustain ) Tj ET Q q 0 0 0 rg BT 490.22 421.32 Td (some ) Tj ET Q q 0 0 0 rg BT 513.61 421.32 Td (loss, ) Tj ET Q q 0 0 0 rg BT 533.95 421.32 Td (but ) Tj ET Q q 0 0 0 rg BT 549.01 421.32 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 411.32 Td (discernable ) Tj ET Q q 0 0 0 rg BT 212.09 411.32 Td (impairment\) ) Tj ET Q q 0 0 0 rg BT 264.08 411.32 Td (\(Must ) Tj ET Q q 0 0 0 rg BT 290.53 411.32 Td (have ) Tj ET Q q 0 0 0 rg BT 311.96 411.32 Td (well ) Tj ET Q q 0 0 0 rg BT 331.73 411.32 Td (defined ) Tj ET Q q 0 0 0 rg BT 364.28 411.32 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 413.49 411.32 Td (that ) Tj ET Q q 0 0 0 rg BT 431.04 411.32 Td (jeopardize ) Tj ET Q q 0 0 0 rg BT 475.24 411.32 Td (the ) Tj ET Q q 0 0 0 rg BT 490.01 411.32 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 535.90 411.32 Td (of ) Tj ET Q q 0 0 0 rg BT 546.79 411.32 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 401.32 Td (debt\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 371.32 Td (8 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 361.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 371.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 361.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 371.32 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 216.36 371.32 Td (Non-accrual ) Tj ET Q q 0 0 0 rg BT 268.70 371.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 293.85 371.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 332.33 371.32 Td (well ) Tj ET Q q 0 0 0 rg BT 352.47 371.32 Td (documented ) Tj ET Q q 0 0 0 rg BT 404.26 371.32 Td (probability ) Tj ET Q q 0 0 0 rg BT 451.07 371.32 Td (of ) Tj ET Q q 0 0 0 rg BT 462.33 371.32 Td (loss, ) Tj ET Q q 0 0 0 rg BT 483.31 371.32 Td (including ) Tj ET Q q 0 0 0 rg BT 524.01 371.32 Td (potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 361.32 Td (impairment\) ) Tj ET Q q 0 0 0 rg BT 215.93 361.32 Td (\(Must ) Tj ET Q q 0 0 0 rg BT 242.32 361.32 Td (have ) Tj ET Q q 0 0 0 rg BT 263.70 361.32 Td (well ) Tj ET Q q 0 0 0 rg BT 283.41 361.32 Td (defined ) Tj ET Q q 0 0 0 rg BT 315.90 361.32 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 365.05 361.32 Td (that ) Tj ET Q q 0 0 0 rg BT 382.54 361.32 Td (jeopardize ) Tj ET Q q 0 0 0 rg BT 426.69 361.32 Td (the ) Tj ET Q q 0 0 0 rg BT 441.40 361.32 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 487.23 361.32 Td (of ) Tj ET Q q 0 0 0 rg BT 498.06 361.32 Td (the ) Tj ET Q q 0 0 0 rg BT 512.78 361.32 Td (debt\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 332.32 Td (9 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 312.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 332.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 312.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 332.32 Td (Doubtful ) Tj ET Q q 0 0 0 rg BT 202.81 332.32 Td (\(Loss ) Tj ET Q q 0 0 0 rg BT 227.73 332.32 Td (Potential ) Tj ET Q q 0 0 0 rg BT 265.98 332.32 Td (extremely ) Tj ET Q q 0 0 0 rg BT 308.66 332.32 Td (high\) ) Tj ET Q q 0 0 0 rg BT 332.47 332.32 Td (\(These ) Tj ET Q q 0 0 0 rg BT 362.38 332.32 Td (assets ) Tj ET Q q 0 0 0 rg BT 388.41 332.32 Td (have ) Tj ET Q q 0 0 0 rg BT 409.99 332.32 Td (all ) Tj ET Q q 0 0 0 rg BT 422.68 332.32 Td (the ) Tj ET Q q 0 0 0 rg BT 437.60 332.32 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 486.95 332.32 Td (in ) Tj ET Q q 0 0 0 rg BT 497.43 332.32 Td (those ) Tj ET Q q 0 0 0 rg BT 521.24 332.32 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 322.32 Td (substandard ) Tj ET Q q 0 0 0 rg BT 223.71 322.32 Td (with ) Tj ET Q q 0 0 0 rg BT 244.56 322.32 Td (the ) Tj ET Q q 0 0 0 rg BT 259.84 322.32 Td (added ) Tj ET Q q 0 0 0 rg BT 286.79 322.32 Td (characteristic ) Tj ET Q q 0 0 0 rg BT 343.15 322.32 Td (that ) Tj ET Q q 0 0 0 rg BT 361.22 322.32 Td (the ) Tj ET Q q 0 0 0 rg BT 376.50 322.32 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 426.22 322.32 Td (make ) Tj ET Q q 0 0 0 rg BT 450.94 322.32 Td (collection ) Tj ET Q q 0 0 0 rg BT 493.44 322.32 Td (or ) Tj ET Q q 0 0 0 rg BT 504.84 322.32 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 551.23 322.32 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 312.32 Td (full, ) Tj ET Q q 0 0 0 rg BT 182.89 312.32 Td (on ) Tj ET Q q 0 0 0 rg BT 195.39 312.32 Td (the ) Tj ET Q q 0 0 0 rg BT 210.10 312.32 Td (basis ) Tj ET Q q 0 0 0 rg BT 232.60 312.32 Td (of ) Tj ET Q q 0 0 0 rg BT 243.43 312.32 Td (current ) Tj ET Q q 0 0 0 rg BT 274.25 312.32 Td (existing ) Tj ET Q q 0 0 0 rg BT 308.41 312.32 Td (facts, ) Tj ET Q q 0 0 0 rg BT 332.29 312.32 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 378.96 312.32 Td (and ) Tj ET Q q 0 0 0 rg BT 395.89 312.32 Td (values, ) Tj ET Q q 0 0 0 rg BT 426.44 312.32 Td (highly ) Tj ET Q q 0 0 0 rg BT 454.50 312.32 Td (improbable\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 283.32 Td (10 Rating) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 104.00 283.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 283.32 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 150.00 283.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 283.32 Td (Loss ) Tj ET Q q 0 0 0 rg BT 185.39 283.32 Td (\(fully ) Tj ET Q q 0 0 0 rg BT 210.11 283.32 Td (char) Tj ET Q q 0 0 0 rg BT 227.13 283.32 Td (ged-of) Tj ET Q q 0 0 0 rg BT 253.05 283.32 Td (f\) ) Tj ET Q q 0 0 0 rg BT 262.21 283.32 Td (\(Loans ) Tj ET Q q 0 0 0 rg BT 292.48 283.32 Td (in ) Tj ET Q q 0 0 0 rg BT 302.76 283.32 Td (this ) Tj ET Q q 0 0 0 rg BT 319.71 283.32 Td (category ) Tj ET Q q 0 0 0 rg BT 356.63 283.32 Td (are ) Tj ET Q q 0 0 0 rg BT 371.34 283.32 Td (considered ) Tj ET Q q 0 0 0 rg BT 417.15 283.32 Td (fully ) Tj ET Q q 0 0 0 rg BT 438.54 283.32 Td (uncollectible.\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 258.25 Td (Each ) Tj ET Q q 0 0 0 rg BT 72.35 258.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 91.94 258.25 Td (of) Tj ET Q q 0 0 0 rg BT 100.09 258.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 120.77 258.25 Td (is ) Tj ET Q q 0 0 0 rg BT 129.81 258.25 Td (responsible ) Tj ET Q q 0 0 0 rg BT 177.72 258.25 Td (for ) Tj ET Q q 0 0 0 rg BT 191.75 258.25 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 238.56 258.25 Td (his ) Tj ET Q q 0 0 0 rg BT 252.59 258.25 Td (or ) Tj ET Q q 0 0 0 rg BT 263.29 258.25 Td (her ) Tj ET Q q 0 0 0 rg BT 278.43 258.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 298.01 258.25 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 337.87 258.25 Td (recommending ) Tj ET Q q 0 0 0 rg BT 400.22 258.25 Td (a ) Tj ET Q q 0 0 0 rg BT 407.03 258.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 432.16 258.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 449.53 258.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 475.22 258.25 Td (for ) Tj ET Q q 0 0 0 rg BT 489.25 258.25 Td (each ) Tj ET Q q 0 0 0 rg BT 509.93 258.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 529.51 258.25 Td (in ) Tj ET Q q 0 0 0 rg BT 539.66 258.25 Td (his ) Tj ET Q q 0 0 0 rg BT 553.69 258.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 246.25 Td (her ) Tj ET Q q 0 0 0 rg BT 64.67 246.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 101.56 246.25 Td (and ) Tj ET Q q 0 0 0 rg BT 117.89 246.25 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 154.23 246.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.34 246.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.00 246.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 209.90 246.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 239.01 246.25 Td (are ) Tj ET Q q 0 0 0 rg BT 253.12 246.25 Td (appropriate. ) Tj ET Q q 0 0 0 rg BT 302.91 246.25 Td (These ) Tj ET Q q 0 0 0 rg BT 328.68 246.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 353.34 246.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 370.24 246.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 399.35 246.25 Td (are ) Tj ET Q q 0 0 0 rg BT 413.46 246.25 Td (then ) Tj ET Q q 0 0 0 rg BT 432.57 246.25 Td (ratified ) Tj ET Q q 0 0 0 rg BT 463.34 246.25 Td (by ) Tj ET Q q 0 0 0 rg BT 475.24 246.25 Td (the ) Tj ET Q q 0 0 0 rg BT 489.35 246.25 Td (bank) Tj ET Q q 0 0 0 rg BT 511.57 246.25 Td (s ) Tj ET Q q 0 0 0 rg BT 517.36 246.25 Td (chief ) Tj ET Q q 0 0 0 rg BT 539.24 246.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 234.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 234.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 77.85 234.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 104.79 234.25 Td (concurrence ) Tj ET Q q 0 0 0 rg BT 155.03 234.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 179.18 234.25 Td (of) Tj ET Q q 0 0 0 rg BT 187.33 234.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 205.09 234.25 Td (. ) Tj ET Q q 0 0 0 rg BT 208.98 234.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 235.37 234.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 251.75 234.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 280.36 234.25 Td (are ) Tj ET Q q 0 0 0 rg BT 293.95 234.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 340.32 234.25 Td (by ) Tj ET Q q 0 0 0 rg BT 351.71 234.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 394.75 234.25 Td (a ) Tj ET Q q 0 0 0 rg BT 400.58 234.25 Td (number ) Tj ET Q q 0 0 0 rg BT 432.51 234.25 Td (of ) Tj ET Q q 0 0 0 rg BT 442.23 234.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 470.82 234.25 Td (including, ) Tj ET Q q 0 0 0 rg BT 512.49 234.25 Td (a ) Tj ET Q q 0 0 0 rg BT 518.31 234.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 555.33 234.25 Td () Tj ET Q q 0 0 0 rg BT 558.11 234.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 222.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.18 222.25 Td (strength, ) Tj ET Q q 0 0 0 rg BT 124.09 222.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 144.06 222.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 164.59 222.25 Td (coverage, ) Tj ET Q q 0 0 0 rg BT 205.37 222.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 244.77 222.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 287.51 222.25 Td (and ) Tj ET Q q 0 0 0 rg BT 304.15 222.25 Td (guarantees. ) Tj ET Q q 0 0 0 rg BT 351.11 222.25 Td (A) Tj ET Q q 0 0 0 rg BT 357.78 222.25 Td ( ) Tj ET Q q 0 0 0 rg BT 359.98 222.25 Td (third ) Tj ET Q q 0 0 0 rg BT 381.07 222.25 Td (party ) Tj ET Q q 0 0 0 rg BT 403.81 222.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 423.23 222.25 Td (review ) Tj ET Q q 0 0 0 rg BT 452.64 222.25 Td (firm ) Tj ET Q q 0 0 0 rg BT 472.05 222.25 Td (independently ) Tj ET Q q 0 0 0 rg BT 530.90 222.25 Td (reviews ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 210.25 Td (a ) Tj ET Q q 0 0 0 rg BT 58.18 210.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 104.13 210.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 136.75 210.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.82 210.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.77 210.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 185.73 210.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 224.46 210.25 Td (at ) Tj ET Q q 0 0 0 rg BT 235.42 210.25 Td (each ) Tj ET Q q 0 0 0 rg BT 257.47 210.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.54 210.25 Td (the ) Tj ET Q q 0 0 0 rg BT 285.49 210.25 Td (Company) Tj ET Q q 0 0 0 rg BT 327.16 210.25 Td (s ) Tj ET Q q 0 0 0 rg BT 334.79 210.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 379.63 210.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 406.70 210.25 Td (to ) Tj ET Q q 0 0 0 rg BT 418.22 210.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 455.26 210.25 Td (the ) Tj ET Q q 0 0 0 rg BT 471.22 210.25 Td (appropriateness ) Tj ET Q q 0 0 0 rg BT 537.71 210.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 210.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 198.25 Td (management-assigned ) Tj ET Q q 0 0 0 rg BT 142.53 198.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.96 198.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 187.63 198.25 Td (ratings. ) Tj ET Q q 0 0 0 rg BT 220.75 198.25 Td (These ) Tj ET Q q 0 0 0 rg BT 248.30 198.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 279.18 198.25 Td (are ) Tj ET Q q 0 0 0 rg BT 295.06 198.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 327.05 198.25 Td (to ) Tj ET Q q 0 0 0 rg BT 338.50 198.25 Td (further ) Tj ET Q q 0 0 0 rg BT 369.38 198.25 Td (review ) Tj ET Q q 0 0 0 rg BT 400.25 198.25 Td (at ) Tj ET Q q 0 0 0 rg BT 411.14 198.25 Td (each ) Tj ET Q q 0 0 0 rg BT 433.13 198.25 Td (of ) Tj ET Q q 0 0 0 rg BT 445.13 198.25 Td (our ) Tj ET Q q 0 0 0 rg BT 462.13 198.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 485.23 198.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 536.12 198.25 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 198.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 186.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 94.00 186.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 138.00 186.25 Td (authority) Tj ET Q q 0 0 0 rg BT 173.46 186.25 Td (, ) Tj ET Q q 0 0 0 rg BT 178.87 186.25 Td (including ) Tj ET Q q 0 0 0 rg BT 219.55 186.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.68 186.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 267.57 186.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 302.69 186.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 326.71 186.25 Td (of ) Tj ET Q q 0 0 0 rg BT 337.95 186.25 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 376.68 186.25 Td (the ) Tj ET Q q 0 0 0 rg BT 391.81 186.25 Td (OCC, ) Tj ET Q q 0 0 0 rg BT 417.78 186.25 Td (the ) Tj ET Q q 0 0 0 rg BT 432.91 186.25 Td (State ) Tj ET Q q 0 0 0 rg BT 455.82 186.25 Td (of ) Tj ET Q q 0 0 0 rg BT 467.06 186.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 498.30 186.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.65 186.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.78 186.25 Td (State ) Tj ET Q q 0 0 0 rg BT 553.68 186.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 174.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 174.25 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 94.32 174.25 Td (and ) Tj ET Q q 0 0 0 rg BT 111.25 174.25 Td (our ) Tj ET Q q 0 0 0 rg BT 127.08 174.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 160.13 174.25 Td (audit ) Tj ET Q q 0 0 0 rg BT 182.62 174.25 Td (staf) Tj ET Q q 0 0 0 rg BT 196.88 174.25 Td (f.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 150.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.49 150.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.16 150.25 Td (s ) Tj ET Q q 0 0 0 rg BT 115.00 150.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 150.27 150.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 169.43 150.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 208.03 150.25 Td (system ) Tj ET Q q 0 0 0 rg BT 237.75 150.25 Td (automatically ) Tj ET Q q 0 0 0 rg BT 294.12 150.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 329.39 150.25 Td (all ) Tj ET Q q 0 0 0 rg BT 341.34 150.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 364.39 150.25 Td (with ) Tj ET Q q 0 0 0 rg BT 384.11 150.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 408.82 150.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 425.77 150.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 454.93 150.25 Td (of ) Tj ET Q q 0 0 0 rg BT 465.21 150.25 Td (6 ) Tj ET Q q 0 0 0 rg BT 472.15 150.25 Td (through ) Tj ET Q q 0 0 0 rg BT 505.21 150.25 Td (9. ) Tj ET Q q 0 0 0 rg BT 514.51 150.25 Td (This ) Tj ET Q q 0 0 0 rg BT 534.24 150.25 Td (system ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 138.25 Td (is ) Tj ET Q q 0 0 0 rg BT 58.91 138.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 96.69 138.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.70 138.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 139.48 138.25 Td (an ) Tj ET Q q 0 0 0 rg BT 151.16 138.25 Td (on-going ) Tj ET Q q 0 0 0 rg BT 189.50 138.25 Td (detailed ) Tj ET Q q 0 0 0 rg BT 223.39 138.25 Td (tracking ) Tj ET Q q 0 0 0 rg BT 258.39 138.25 Td (mechanism ) Tj ET Q q 0 0 0 rg BT 306.16 138.25 Td (for ) Tj ET Q q 0 0 0 rg BT 320.06 138.25 Td (each ) Tj ET Q q 0 0 0 rg BT 340.61 138.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 376.17 138.25 Td (loan. ) Tj ET Q q 0 0 0 rg BT 398.12 138.25 Td (Once ) Tj ET Q q 0 0 0 rg BT 421.46 138.25 Td (management ) Tj ET Q q 0 0 0 rg BT 474.78 138.25 Td (determines ) Tj ET Q q 0 0 0 rg BT 520.89 138.25 Td (that ) Tj ET Q q 0 0 0 rg BT 538.12 138.25 Td (a ) Tj ET Q q 0 0 0 rg BT 544.79 138.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 126.25 Td (has ) Tj ET Q q 0 0 0 rg BT 66.27 126.25 Td (deteriorated ) Tj ET Q q 0 0 0 rg BT 116.96 126.25 Td (to ) Tj ET Q q 0 0 0 rg BT 127.68 126.25 Td (a ) Tj ET Q q 0 0 0 rg BT 135.06 126.25 Td (point ) Tj ET Q q 0 0 0 rg BT 158.56 126.25 Td (where ) Tj ET Q q 0 0 0 rg BT 185.93 126.25 Td (it ) Tj ET Q q 0 0 0 rg BT 194.43 126.25 Td (has ) Tj ET Q q 0 0 0 rg BT 210.70 126.25 Td (a ) Tj ET Q q 0 0 0 rg BT 218.08 126.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 243.79 126.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 261.73 126.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 288.00 126.25 Td (of ) Tj ET Q q 0 0 0 rg BT 299.27 126.25 Td (6 ) Tj ET Q q 0 0 0 rg BT 307.21 126.25 Td (or ) Tj ET Q q 0 0 0 rg BT 318.48 126.25 Td (worse, ) Tj ET Q q 0 0 0 rg BT 347.81 126.25 Td (the ) Tj ET Q q 0 0 0 rg BT 362.97 126.25 Td (Company) Tj ET Q q 0 0 0 rg BT 404.63 126.25 Td (s ) Tj ET Q q 0 0 0 rg BT 411.46 126.25 Td (Managed ) Tj ET Q q 0 0 0 rg BT 450.96 126.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 476.13 126.25 Td (Division ) Tj ET Q q 0 0 0 rg BT 513.52 126.25 Td (performs ) Tj ET Q q 0 0 0 rg BT 552.56 126.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 114.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 80.08 114.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 105.16 114.25 Td (and ) Tj ET Q q 0 0 0 rg BT 121.91 114.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 161.42 114.25 Td (review) Tj ET Q q 0 0 0 rg BT 187.98 114.25 Td (. ) Tj ET Q q 0 0 0 rg BT 192.28 114.25 Td (As ) Tj ET Q q 0 0 0 rg BT 205.71 114.25 Td (part ) Tj ET Q q 0 0 0 rg BT 223.57 114.25 Td (of ) Tj ET Q q 0 0 0 rg BT 234.22 114.25 Td (this ) Tj ET Q q 0 0 0 rg BT 250.98 114.25 Td (review) Tj ET Q q 0 0 0 rg BT 277.54 114.25 Td (, ) Tj ET Q q 0 0 0 rg BT 282.35 114.25 Td (all ) Tj ET Q q 0 0 0 rg BT 294.66 114.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 340.30 114.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 379.81 114.25 Td (is ) Tj ET Q q 0 0 0 rg BT 388.80 114.25 Td (identified ) Tj ET Q q 0 0 0 rg BT 429.43 114.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.18 114.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.71 114.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 500.24 114.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 555.33 114.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 102.25 Td (analyzed ) Tj ET Q q 0 0 0 rg BT 87.39 102.25 Td (and ) Tj ET Q q 0 0 0 rg BT 103.69 102.25 Td (tracked. ) Tj ET Q q 0 0 0 rg BT 137.06 102.25 Td (As ) Tj ET Q q 0 0 0 rg BT 150.04 102.25 Td (a ) Tj ET Q q 0 0 0 rg BT 156.34 102.25 Td (result ) Tj ET Q q 0 0 0 rg BT 180.41 102.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.60 102.25 Td (this ) Tj ET Q q 0 0 0 rg BT 206.91 102.25 Td (initial ) Tj ET Q q 0 0 0 rg BT 232.10 102.25 Td (review ) Tj ET Q q 0 0 0 rg BT 261.17 102.25 Td (by ) Tj ET Q q 0 0 0 rg BT 273.03 102.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.11 102.25 Td (Company) Tj ET Q q 0 0 0 rg BT 328.77 102.25 Td (s ) Tj ET Q q 0 0 0 rg BT 334.53 102.25 Td (Managed ) Tj ET Q q 0 0 0 rg BT 373.18 102.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 397.26 102.25 Td (Division, ) Tj ET Q q 0 0 0 rg BT 436.07 102.25 Td (the ) Tj ET Q q 0 0 0 rg BT 450.15 102.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 474.77 102.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 491.63 102.25 Td (rating ) Tj ET Q q 0 0 0 rg BT 516.82 102.25 Td (is ) Tj ET Q q 0 0 0 rg BT 525.35 102.25 Td (reviewed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 90.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.50 90.25 Td (a ) Tj ET Q q 0 0 0 rg BT 75.01 90.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 106.96 90.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.36 90.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.64 90.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 183.37 90.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 203.65 90.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 237.25 90.25 Td (may ) Tj ET Q q 0 0 0 rg BT 257.53 90.25 Td (be ) Tj ET Q q 0 0 0 rg BT 270.03 90.25 Td (deemed ) Tj ET Q q 0 0 0 rg BT 304.19 90.25 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 358.90 90.25 Td (or ) Tj ET Q q 0 0 0 rg BT 370.30 90.25 Td (an ) Tj ET Q q 0 0 0 rg BT 382.80 90.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 431.97 90.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 463.90 90.25 Td (may ) Tj ET Q q 0 0 0 rg BT 484.18 90.25 Td (be ) Tj ET Q q 0 0 0 rg BT 496.69 90.25 Td (established. ) Tj ET Q q 0 0 0 rg BT 546.46 90.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 78.25 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 78.25 Td (s ) Tj ET Q q 0 0 0 rg BT 98.12 78.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 146.79 78.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 181.57 78.25 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 213.01 78.25 Td (an ) Tj ET Q q 0 0 0 rg BT 225.02 78.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 276.45 78.25 Td (re-appraisal ) Tj ET Q q 0 0 0 rg BT 326.21 78.25 Td (of ) Tj ET Q q 0 0 0 rg BT 337.11 78.25 Td (the ) Tj ET Q q 0 0 0 rg BT 351.89 78.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 391.65 78.25 Td (\(unless ) Tj ET Q q 0 0 0 rg BT 422.55 78.25 Td (such ) Tj ET Q q 0 0 0 rg BT 443.44 78.25 Td (a ) Tj ET Q q 0 0 0 rg BT 450.44 78.25 Td (third-party ) Tj ET Q q 0 0 0 rg BT 495.77 78.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 539.99 78.25 Td (is ) Tj ET Q q 0 0 0 rg BT 549.22 78.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 66.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 86.21 66.25 Td (due ) Tj ET Q q 0 0 0 rg BT 104.09 66.25 Td (to ) Tj ET Q q 0 0 0 rg BT 115.30 66.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.96 66.25 Td (unique ) Tj ET Q q 0 0 0 rg BT 161.61 66.25 Td (nature ) Tj ET Q q 0 0 0 rg BT 190.03 66.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.80 66.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.45 66.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 260.59 66.25 Td (such ) Tj ET Q q 0 0 0 rg BT 282.35 66.25 Td (as ) Tj ET Q q 0 0 0 rg BT 294.12 66.25 Td (a ) Tj ET Q q 0 0 0 rg BT 302.00 66.25 Td (closely-held ) Tj ET Q q 0 0 0 rg BT 354.30 66.25 Td (business ) Tj ET Q q 0 0 0 rg BT 391.63 66.25 Td (or ) Tj ET Q q 0 0 0 rg BT 403.40 66.25 Td (thinly ) Tj ET Q q 0 0 0 rg BT 430.17 66.25 Td (traded ) Tj ET Q q 0 0 0 rg BT 458.59 66.25 Td (securities\). ) Tj ET Q q 0 0 0 rg BT 505.62 66.25 Td (In ) Tj ET Q q 0 0 0 rg BT 517.39 66.25 Td (the ) Tj ET Q q 0 0 0 rg BT 533.04 66.25 Td (case ) Tj ET Q q 0 0 0 rg BT 553.69 66.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 54.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.89 54.25 Td (real-estate ) Tj ET Q q 0 0 0 rg BT 143.66 54.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 186.04 54.25 Td (an ) Tj ET Q q 0 0 0 rg BT 198.17 54.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 249.73 54.25 Td (third ) Tj ET Q q 0 0 0 rg BT 271.31 54.25 Td (party ) Tj ET Q q 0 0 0 rg BT 294.54 54.25 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 333.33 54.25 Td (is ) Tj ET Q q 0 0 0 rg BT 342.69 54.25 Td (ordered ) Tj ET Q q 0 0 0 rg BT 375.91 54.25 Td (by ) Tj ET Q q 0 0 0 rg BT 388.60 54.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.51 54.25 Td (Company) Tj ET Q q 0 0 0 rg BT 445.17 54.25 Td (s ) Tj ET Q q 0 0 0 rg BT 451.75 54.25 Td (Real ) Tj ET Q q 0 0 0 rg BT 472.77 54.25 Td (Estate ) Tj ET Q q 0 0 0 rg BT 499.89 54.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 536.46 54.25 Td (Group ) Tj ET Q endstream endobj 153 0 obj <> endobj 154 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (76) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.67 742.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 103.54 742.10 Td (if ) Tj ET Q q 0 0 0 rg BT 112.54 742.10 Td (there ) Tj ET Q q 0 0 0 rg BT 135.42 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 151.64 742.10 Td (been ) Tj ET Q q 0 0 0 rg BT 173.40 742.10 Td (any ) Tj ET Q q 0 0 0 rg BT 190.73 742.10 Td (change ) Tj ET Q q 0 0 0 rg BT 221.94 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.61 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.71 742.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 293.93 742.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 334.02 742.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 360.86 742.10 Td (These ) Tj ET Q q 0 0 0 rg BT 387.62 742.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 439.39 742.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 482.26 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 497.36 742.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 536.90 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 742.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 71.39 730.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 98.89 730.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 135.83 730.10 Td (Group ) Tj ET Q q 0 0 0 rg BT 164.45 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.96 730.10 Td (sometimes ) Tj ET Q q 0 0 0 rg BT 227.80 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 240.86 730.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 292.80 730.10 Td (third ) Tj ET Q q 0 0 0 rg BT 314.76 730.10 Td (party ) Tj ET Q q 0 0 0 rg BT 338.37 730.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 378.65 730.10 Td (experts ) Tj ET Q q 0 0 0 rg BT 410.59 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.10 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 448.38 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 460.88 730.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 497.28 730.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 542.00 730.10 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.43 718.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 126.67 718.10 Td (An ) Tj ET Q q 0 0 0 rg BT 141.55 718.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 180.31 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 189.64 718.10 Td (ordered ) Tj ET Q q 0 0 0 rg BT 222.84 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 232.73 718.10 Td (least ) Tj ET Q q 0 0 0 rg BT 253.71 718.10 Td (once ) Tj ET Q q 0 0 0 rg BT 275.25 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 282.36 718.10 Td (year ) Tj ET Q q 0 0 0 rg BT 302.23 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 316.55 718.10 Td (these ) Tj ET Q q 0 0 0 rg BT 339.76 718.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 366.03 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 377.03 718.10 Td (more ) Tj ET Q q 0 0 0 rg BT 400.24 718.10 Td (often ) Tj ET Q q 0 0 0 rg BT 423.45 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 432.22 718.10 Td (market ) Tj ET Q q 0 0 0 rg BT 462.65 718.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 506.98 718.10 Td (dictate. ) Tj ET Q q 0 0 0 rg BT 538.79 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 549.78 718.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (event ) Tj ET Q q 0 0 0 rg BT 73.95 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 91.24 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.75 706.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 151.37 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 175.32 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.94 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.45 706.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 239.94 706.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 268.89 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 280.63 706.10 Td (easily ) Tj ET Q q 0 0 0 rg BT 306.24 706.10 Td (determined, ) Tj ET Q q 0 0 0 rg BT 356.02 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 362.75 706.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 396.70 706.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 436.20 706.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 491.27 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 500.23 706.10 Td (prepared ) Tj ET Q q 0 0 0 rg BT 537.50 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.80 706.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 89.42 694.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 114.47 694.10 Td (Division. ) Tj ET Q q 0 0 0 rg BT 153.63 694.10 Td (A) Tj ET Q q 0 0 0 rg BT 160.30 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.13 694.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 203.18 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.34 694.10 Td (this ) Tj ET Q q 0 0 0 rg BT 231.63 694.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 266.68 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 276.18 694.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 314.56 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.17 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.22 694.10 Td (directors) Tj ET Q q 0 0 0 rg BT 377.79 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 380.63 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 400.68 694.10 Td (committee ) Tj ET Q q 0 0 0 rg BT 445.72 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.88 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.93 694.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 494.21 694.10 Td (which ) Tj ET Q q 0 0 0 rg BT 521.48 694.10 Td (originated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 89.98 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 104.14 682.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 141.63 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.46 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 159.39 682.10 Td (char) Tj ET Q q 0 0 0 rg BT 176.42 682.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 197.34 682.10 Td (f, ) Tj ET Q q 0 0 0 rg BT 205.67 682.10 Td (if ) Tj ET Q q 0 0 0 rg BT 214.28 682.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 252.50 682.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (Through ) Tj ET Q q 0 0 0 rg BT 87.58 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.94 658.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 128.85 658.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 146.99 658.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 173.45 658.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 209.09 658.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 233.34 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 248.69 658.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 288.47 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.39 658.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 342.52 658.10 Td (if ) Tj ET Q q 0 0 0 rg BT 351.77 658.10 Td (they ) Tj ET Q q 0 0 0 rg BT 372.13 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 387.48 658.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 435.60 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 446.52 658.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 494.63 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 515.55 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 658.10 Td (original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 96.89 646.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 124.08 646.10 Td (If ) Tj ET Q q 0 0 0 rg BT 133.21 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.90 646.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 187.02 646.10 Td (has ) Tj ET Q q 0 0 0 rg BT 202.82 646.10 Td (failed ) Tj ET Q q 0 0 0 rg BT 228.05 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.30 646.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 270.77 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 291.02 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.70 646.10 Td (original ) Tj ET Q q 0 0 0 rg BT 339.28 646.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 386.17 646.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 413.35 646.10 Td (further ) Tj ET Q q 0 0 0 rg BT 443.03 646.10 Td (action ) Tj ET Q q 0 0 0 rg BT 469.94 646.10 Td (may ) Tj ET Q q 0 0 0 rg BT 489.62 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 501.53 646.10 Td (required ) Tj ET Q q 0 0 0 rg BT 537.32 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 646.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 93.08 634.10 Td (including ) Tj ET Q q 0 0 0 rg BT 133.20 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 139.98 634.10 Td (downgrade ) Tj ET Q q 0 0 0 rg BT 186.76 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.88 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.44 634.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 236.55 634.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 253.90 634.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 282.07 634.10 Td (movement ) Tj ET Q q 0 0 0 rg BT 326.63 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.75 634.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 386.29 634.10 Td (status, ) Tj ET Q q 0 0 0 rg BT 413.91 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.69 634.10 Td (char) Tj ET Q q 0 0 0 rg BT 437.72 634.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 458.64 634.10 Td (f ) Tj ET Q q 0 0 0 rg BT 464.31 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 474.99 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.55 634.10 Td (establishment ) Tj ET Q q 0 0 0 rg BT 546.89 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 557.56 634.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 84.09 622.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 133.18 622.10 Td (reserve. ) Tj ET Q q 0 0 0 rg BT 167.54 622.10 Td (In ) Tj ET Q q 0 0 0 rg BT 178.86 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.07 622.10 Td (event ) Tj ET Q q 0 0 0 rg BT 218.71 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 226.15 622.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 266.33 622.10 Td (shortfall ) Tj ET Q q 0 0 0 rg BT 302.65 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 312.31 622.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 353.63 622.10 Td (during ) Tj ET Q q 0 0 0 rg BT 382.73 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.94 622.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 423.69 622.10 Td (review ) Tj ET Q q 0 0 0 rg BT 453.89 622.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 489.37 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.58 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 546.46 622.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (work ) Tj ET Q q 0 0 0 rg BT 72.67 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 92.57 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.90 610.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 145.67 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 159.45 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 166.01 610.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 203.67 610.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 243.55 610.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 271.22 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 277.78 610.10 Td (pledge ) Tj ET Q q 0 0 0 rg BT 306.55 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.00 610.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 359.11 610.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 398.43 610.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 426.09 610.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 468.20 610.10 Td (guarantees. ) Tj ET Q q 0 0 0 rg BT 515.58 610.10 Td (In ) Tj ET Q q 0 0 0 rg BT 526.03 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.36 610.10 Td (event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.63 598.10 Td (these ) Tj ET Q q 0 0 0 rg BT 90.82 598.10 Td (options ) Tj ET Q q 0 0 0 rg BT 122.90 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 137.75 598.10 Td (not ) Tj ET Q q 0 0 0 rg BT 153.17 598.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 194.39 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.25 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 229.10 598.10 Td (may ) Tj ET Q q 0 0 0 rg BT 248.96 598.10 Td (be ) Tj ET Q q 0 0 0 rg BT 261.04 598.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 292.00 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.42 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 309.49 598.10 Td (downgrade ) Tj ET Q q 0 0 0 rg BT 356.56 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.53 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.38 598.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 407.78 598.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 425.42 598.10 Td (rating. ) Tj ET Q q 0 0 0 rg BT 453.89 598.10 Td (If ) Tj ET Q q 0 0 0 rg BT 463.18 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 477.48 598.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 520.10 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 537.73 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 544.81 598.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 81.83 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 92.00 586.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 122.72 586.10 Td (thereof, ) Tj ET Q q 0 0 0 rg BT 155.37 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 163.87 586.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 217.35 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.40 586.10 Td (loan) Tj ET Q q 0 0 0 rg BT 251.40 586.10 Td (s ) Tj ET Q q 0 0 0 rg BT 257.13 586.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 281.72 586.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 298.56 586.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 323.72 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 332.22 586.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 384.04 586.10 Td (downgraded ) Tj ET Q q 0 0 0 rg BT 435.31 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 444.92 586.10 Td (an ) Tj ET Q q 0 0 0 rg BT 456.20 586.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 463.03 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 473.20 586.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 480.03 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.30 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.36 586.10 Td (uncollectible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 81.76 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 90.20 574.10 Td (char) Tj ET Q q 0 0 0 rg BT 107.22 574.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 133.14 574.10 Td (f. ) Tj ET Q q 0 0 0 rg BT 140.35 574.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 159.33 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 178.31 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 195.07 574.10 Td (has ) Tj ET Q q 0 0 0 rg BT 210.17 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 216.37 574.10 Td (partial ) Tj ET Q q 0 0 0 rg BT 243.68 574.10 Td (char) Tj ET Q q 0 0 0 rg BT 260.71 574.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 281.62 574.10 Td (f ) Tj ET Q q 0 0 0 rg BT 286.72 574.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 326.81 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.35 574.10 Td (be ) Tj ET Q q 0 0 0 rg BT 347.56 574.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 383.76 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 389.96 574.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 414.49 574.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 431.26 574.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 456.35 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.44 574.10 Td (an ) Tj ET Q q 0 0 0 rg BT 477.65 574.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 484.41 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 494.51 574.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 501.27 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.70 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.68 574.10 Td (duration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.29 562.10 Td (time ) Tj ET Q q 0 0 0 rg BT 80.01 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 96.97 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 103.36 562.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 135.85 562.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 169.46 562.10 Td (outstanding. ) Tj ET Q q 0 0 0 rg BT 220.44 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 237.94 562.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 276.67 562.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 300.85 562.10 Td (Division ) Tj ET Q q 0 0 0 rg BT 337.25 562.10 Td (undertakes ) Tj ET Q q 0 0 0 rg BT 382.52 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 388.92 562.10 Td (thorough ) Tj ET Q q 0 0 0 rg BT 426.98 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.38 562.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 478.11 562.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 512.28 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.02 562.10 Td (determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (if ) Tj ET Q q 0 0 0 rg BT 58.61 550.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 101.10 550.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 149.70 550.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 177.74 550.10 Td (char) Tj ET Q q 0 0 0 rg BT 194.77 550.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 215.69 550.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 225.41 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 240.12 550.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 288.15 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.09 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 315.37 550.10 Td (begin ) Tj ET Q q 0 0 0 rg BT 340.08 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.02 550.10 Td (workout ) Tj ET Q q 0 0 0 rg BT 382.85 550.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 402.57 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 416.73 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.45 550.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 456.71 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 466.99 550.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 507.26 550.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 533.63 550.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.25 526.10 Td (Company) Tj ET Q q 0 0 0 rg BT 109.91 526.10 Td (s ) Tj ET Q q 0 0 0 rg BT 116.51 526.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 155.85 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.33 526.10 Td (workout ) Tj ET Q q 0 0 0 rg BT 202.37 526.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 226.18 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.32 526.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 297.11 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 320.92 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 330.29 526.10 Td (built ) Tj ET Q q 0 0 0 rg BT 351.33 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 364.03 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.95 526.10 Td (credit-risk ) Tj ET Q q 0 0 0 rg BT 422.75 526.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 448.77 526.10 Td (process. ) Tj ET Q q 0 0 0 rg BT 483.37 526.10 Td (A) Tj ET Q q 0 0 0 rg BT 490.04 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.74 526.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 546.54 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 557.57 526.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.38 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 89.32 514.10 Td (an ) Tj ET Q q 0 0 0 rg BT 100.92 514.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 134.75 514.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 159.67 514.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 176.83 514.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 202.32 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.81 514.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 219.98 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 230.47 514.10 Td (worse ) Tj ET Q q 0 0 0 rg BT 256.51 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 267.00 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 273.61 514.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 326.87 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.36 514.10 Td (any ) Tj ET Q q 0 0 0 rg BT 353.96 514.10 Td (other ) Tj ET Q q 0 0 0 rg BT 376.67 514.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 404.09 514.10 Td (which ) Tj ET Q q 0 0 0 rg BT 430.69 514.10 Td (will ) Tj ET Q q 0 0 0 rg BT 448.41 514.10 Td (result ) Tj ET Q q 0 0 0 rg BT 472.79 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.73 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 489.33 514.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 539.25 514.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 68.22 502.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 94.77 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.32 502.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 114.54 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 126.09 502.10 Td (worse ) Tj ET Q q 0 0 0 rg BT 153.20 502.10 Td (must ) Tj ET Q q 0 0 0 rg BT 175.87 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 188.53 502.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 228.39 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 243.28 502.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 279.82 502.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 300.26 502.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 354.58 502.10 Td (\("TDR"\) ) Tj ET Q q 0 0 0 rg BT 392.62 502.10 Td (classification. ) Tj ET Q q 0 0 0 rg BT 451.10 502.10 Td (In ) Tj ET Q q 0 0 0 rg BT 462.66 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 480.87 502.10 Td (event, ) Tj ET Q q 0 0 0 rg BT 508.25 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 524.80 502.10 Td (Managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.89 490.10 Td (Division ) Tj ET Q q 0 0 0 rg BT 116.12 490.10 Td (conducts ) Tj ET Q q 0 0 0 rg BT 154.44 490.10 Td (an ) Tj ET Q q 0 0 0 rg BT 166.66 490.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 197.20 490.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 222.74 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.96 490.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 279.94 490.10 Td (review) Tj ET Q q 0 0 0 rg BT 306.49 490.10 Td (. ) Tj ET Q q 0 0 0 rg BT 311.16 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 317.83 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 320.61 490.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 374.48 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.59 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 392.81 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 412.80 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 422.25 490.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 468.35 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 478.90 490.10 Td (be ) Tj ET Q q 0 0 0 rg BT 491.12 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 498.14 490.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 520.91 490.10 Td (if ) Tj ET Q q 0 0 0 rg BT 529.80 490.10 Td (both ) Tj ET Q q 0 0 0 rg BT 550.36 490.10 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.35 478.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 103.13 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 111.94 478.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 165.71 478.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 202.82 478.10 Td (dif) Tj ET Q q 0 0 0 rg BT 213.75 478.10 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 241.99 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 258.56 478.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 272.35 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 286.14 478.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 327.15 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 337.61 478.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 359.18 478.10 Td (reasons, ) Tj ET Q q 0 0 0 rg BT 393.80 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.15 478.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 429.72 478.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 456.29 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 462.86 478.10 Td (concession ) Tj ET Q q 0 0 0 rg BT 508.87 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.79 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.36 478.10 Td (borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.86 466.10 Td (it ) Tj ET Q q 0 0 0 rg BT 76.29 466.10 Td (would ) Tj ET Q q 0 0 0 rg BT 104.16 466.10 Td (not ) Tj ET Q q 0 0 0 rg BT 119.80 466.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 161.55 466.10 Td (consider) Tj ET Q q 0 0 0 rg BT 194.88 466.10 Td (. ) Tj ET Q q 0 0 0 rg BT 200.04 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 218.45 466.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 272.42 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.62 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 290.93 466.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 311.01 466.10 Td (where ) Tj ET Q q 0 0 0 rg BT 338.31 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.39 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 379.03 466.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 396.89 466.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 423.09 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 432.63 466.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 440.50 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 451.69 466.10 Td (better ) Tj ET Q q 0 0 0 rg BT 477.33 466.10 Td (both ) Tj ET Q q 0 0 0 rg BT 497.97 466.10 Td (before ) Tj ET Q q 0 0 0 rg BT 526.38 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.69 466.10 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (such ) Tj ET Q q 0 0 0 rg BT 71.00 454.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 124.77 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 134.11 454.10 Td (not ) Tj ET Q q 0 0 0 rg BT 149.56 454.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 195.55 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.00 454.10 Td (be ) Tj ET Q q 0 0 0 rg BT 218.11 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 225.02 454.10 Td (TDR. ) Tj ET Q q 0 0 0 rg BT 250.19 454.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 277.30 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 289.97 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.86 454.10 Td (Company) Tj ET Q q 0 0 0 rg BT 346.53 454.10 Td (s ) Tj ET Q q 0 0 0 rg BT 353.09 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 378.52 454.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 396.19 454.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 422.19 454.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 455.14 454.10 Td (it ) Tj ET Q q 0 0 0 rg BT 463.37 454.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 503.81 454.10 Td (that ) Tj ET Q q 0 0 0 rg BT 521.47 454.10 Td (borrowers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 78.05 442.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 103.32 442.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 120.82 442.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 146.64 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 155.81 442.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 163.31 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.14 442.10 Td (better ) Tj ET Q q 0 0 0 rg BT 199.40 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 214.11 442.10 Td (not ) Tj ET Q q 0 0 0 rg BT 229.39 442.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 283.53 442.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 321.01 442.10 Td (dif) Tj ET Q q 0 0 0 rg BT 331.94 442.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 366.65 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.59 442.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 424.67 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 439.38 442.10 Td (not ) Tj ET Q q 0 0 0 rg BT 454.66 442.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 500.29 442.10 Td (TDRs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (TDRs, ) Tj ET Q q 0 0 0 rg BT 79.36 418.10 Td (which ) Tj ET Q q 0 0 0 rg BT 106.77 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 121.94 418.10 Td (by ) Tj ET Q q 0 0 0 rg BT 134.91 418.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 176.76 418.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 223.05 418.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 261.56 418.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 288.13 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 303.31 418.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 342.92 418.10 Td (at ) Tj ET Q q 0 0 0 rg BT 353.11 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.30 418.10 Td (time ) Tj ET Q q 0 0 0 rg BT 389.04 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.34 418.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 454.40 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.81 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 484.78 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.19 418.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 531.25 418.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 554.22 418.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 92.56 406.10 Td (if ) Tj ET Q q 0 0 0 rg BT 101.24 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.25 406.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 141.92 406.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 173.36 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 182.61 406.10 Td (needed. ) Tj ET Q q 0 0 0 rg BT 215.81 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 233.93 406.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 269.82 406.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 302.39 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.30 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.09 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 347.88 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 357.12 406.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 399.12 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.48 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.27 406.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 462.37 406.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 503.27 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.63 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 525.64 406.10 Td (received, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 95.70 394.10 Td (at ) Tj ET Q q 0 0 0 rg BT 105.29 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.88 394.10 Td (loan) Tj ET Q q 0 0 0 rg BT 139.87 394.10 Td (s ) Tj ET Q q 0 0 0 rg BT 146.13 394.10 Td (original ) Tj ET Q q 0 0 0 rg BT 179.61 394.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 199.47 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 210.17 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 224.20 394.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 263.77 394.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 307.24 394.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 333.22 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 343.37 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.96 394.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 374.21 394.10 Td (value ) Tj ET Q q 0 0 0 rg BT 398.23 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.93 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.52 394.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 463.09 394.10 Td (less ) Tj ET Q q 0 0 0 rg BT 480.46 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.05 394.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 535.75 394.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 554.23 394.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (sell. ) Tj ET Q q 0 0 0 rg BT 68.33 382.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 88.06 382.10 Td (shortfall ) Tj ET Q q 0 0 0 rg BT 123.88 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 133.05 382.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 170.53 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 181.36 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.30 382.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 221.89 382.10 Td (reserve. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (For ) Tj ET Q q 0 0 0 rg BT 67.22 358.10 Td (non-TDR ) Tj ET Q q 0 0 0 rg BT 108.88 358.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 135.82 358.10 Td (if ) Tj ET Q q 0 0 0 rg BT 145.25 358.10 Td (based ) Tj ET Q q 0 0 0 rg BT 171.35 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 184.68 358.10 Td (current ) Tj ET Q q 0 0 0 rg BT 216.33 358.10 Td (information ) Tj ET Q q 0 0 0 rg BT 266.87 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.63 358.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 316.01 358.10 Td (it ) Tj ET Q q 0 0 0 rg BT 324.90 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 334.90 358.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 373.21 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 391.53 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.08 358.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 449.30 358.10 Td (will ) Tj ET Q q 0 0 0 rg BT 468.18 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 480.95 358.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 510.93 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.04 358.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 552.02 358.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 85.63 346.10 Td (due ) Tj ET Q q 0 0 0 rg BT 101.81 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.34 346.10 Td (it ) Tj ET Q q 0 0 0 rg BT 118.64 346.10 Td (according ) Tj ET Q q 0 0 0 rg BT 159.81 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.33 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.29 346.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 229.46 346.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 253.42 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.49 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.45 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 296.41 346.10 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 342.30 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 348.48 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 367.44 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 375.86 346.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 420.92 346.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 460.71 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.89 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 483.07 346.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 515.91 346.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 80.42 334.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 114.18 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 122.40 334.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 165.60 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.58 334.10 Td (if ) Tj ET Q q 0 0 0 rg BT 189.24 334.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 227.46 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 231.51 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 237.50 334.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 270.14 334.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 300.56 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 308.78 334.10 Td (established. ) Tj ET Q q 0 0 0 rg BT 357.26 334.10 Td (In ) Tj ET Q q 0 0 0 rg BT 367.14 334.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 417.01 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.77 334.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 477.86 334.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 508.27 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 521.48 334.10 Td (collateral-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 93.59 322.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 119.70 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.42 322.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 175.81 322.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 216.07 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.79 322.10 Td (results ) Tj ET Q q 0 0 0 rg BT 259.40 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.23 322.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 312.71 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 326.88 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.59 322.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 385.19 322.10 Td (collateral.) Tj ET Q endstream endobj 155 0 obj <> endobj 156 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (77) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Non-Performing ) Tj ET Q q 0 0 0 rg BT 118.43 742.10 Td (Assets, excluding cover) Tj ET Q q 0 0 0 rg BT 211.64 742.10 Td (ed assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 725.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.59 725.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.52 725.10 Td (table ) Tj ET Q q 0 0 0 rg BT 129.99 725.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 147.03 725.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 168.51 725.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.77 725.10 Td (Company) Tj ET Q q 0 0 0 rg BT 224.43 725.10 Td (s ) Tj ET Q q 0 0 0 rg BT 230.37 725.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 295.72 725.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 321.09 725.10 Td (and ) Tj ET Q q 0 0 0 rg BT 337.43 725.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 363.36 725.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 410.38 725.10 Td (under ) Tj ET Q q 0 0 0 rg BT 435.19 725.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.45 725.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 495.91 725.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 520.17 725.10 Td (of ) Tj ET Q q 0 0 0 rg BT 530.54 725.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 725.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 713.10 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 96.64 713.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 138.57 713.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 172.72 713.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 198.55 713.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.49 713.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 233.55 713.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 259.66 713.10 Td (as ) Tj ET Q q 0 0 0 rg BT 270.49 713.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.32 713.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.04 713.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 319.08 713.10 Td (shown:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 691.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 691.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 691.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 691.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 691.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 691.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 691.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 691.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 691.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 691.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 691.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 669.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 669.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 669.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 669.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 669.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 669.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 669.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 669.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 669.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 669.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 669.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 647.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 647.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 647.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 647.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 647.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 647.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 647.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 647.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 647.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 647.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 647.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 625.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 625.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 625.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 625.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 625.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 625.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 625.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 625.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 625.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 625.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 625.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 603.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 603.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 603.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 603.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 603.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 603.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 603.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 603.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 603.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 603.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 603.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 581.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 581.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 581.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 581.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 581.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 581.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 581.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 581.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 581.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 581.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 581.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 559.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 559.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 559.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 559.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 559.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 559.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 559.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 559.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 559.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 559.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 559.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 537.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 537.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 537.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 537.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 537.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 537.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 537.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 537.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 537.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 537.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 537.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 515.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 515.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 515.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 515.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 515.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 515.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 515.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 515.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 515.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 515.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 515.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 493.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 493.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 493.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 493.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 493.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 493.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 493.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 493.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 493.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 493.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 493.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 471.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 471.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 471.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 471.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 471.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 471.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 471.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 471.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 471.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 471.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 471.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 449.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 449.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 449.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 449.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 449.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 449.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 449.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 449.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 449.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 449.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 449.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 427.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 427.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 427.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 427.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 427.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 427.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 427.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 427.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 427.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 427.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 427.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 405.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 405.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 405.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 405.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 405.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 405.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 405.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 405.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 405.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 405.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 405.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 383.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 383.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 383.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 383.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 383.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 383.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 383.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 383.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 383.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 383.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 383.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 361.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 361.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 361.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 361.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 361.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 361.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 361.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 361.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 361.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 361.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 361.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 329.60 212.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 329.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 329.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 329.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 329.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 329.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 329.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 329.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 329.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 329.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 329.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 297.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 297.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 297.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 297.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 297.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 297.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 297.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 297.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 297.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 297.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 297.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 275.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 275.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 275.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 275.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 275.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 275.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 275.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 275.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 275.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 275.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 275.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 253.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 253.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 253.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 253.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 253.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 253.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 253.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 253.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 253.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 253.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 253.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 231.60 212.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 231.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 231.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 231.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 231.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 231.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 231.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 231.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 231.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 231.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 231.60 56.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 207.60 212.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 207.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 207.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 207.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 207.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 207.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 207.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 207.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 207.60 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 207.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 207.60 56.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 702.6 m 262.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 691.6 m 262.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 702.6 m 266.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 691.6 m 266.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 702.6 m 322.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 691.6 m 322.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 702.6 m 326.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 691.6 m 326.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 702.6 m 382.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 691.6 m 382.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 702.6 m 386.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 691.6 m 386.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 702.6 m 442.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 691.6 m 442.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 702.6 m 446.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 691.6 m 446.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 702.6 m 502.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 691.6 m 502.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 702.6 m 506.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 691.6 m 506.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 702.6 m 562.5 702.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 691.6 m 562.5 691.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 603.6 m 322.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 603.6 m 326.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 603.6 m 382.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 603.6 m 386.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 603.6 m 442.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 603.6 m 446.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 603.6 m 502.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 603.6 m 506.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 603.6 m 562.5 603.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 504.6 m 322.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 504.6 m 326.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 504.6 m 382.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 504.6 m 386.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 504.6 m 442.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 504.6 m 446.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 504.6 m 502.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 504.6 m 506.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 504.6 m 562.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 405.6 m 322.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 405.6 m 326.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 405.6 m 382.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 405.6 m 386.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 405.6 m 442.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 405.6 m 446.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 405.6 m 502.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 405.6 m 506.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 405.6 m 562.5 405.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 361.6 m 322.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 361.6 m 326.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 361.6 m 382.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 361.6 m 386.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 361.6 m 442.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 361.6 m 446.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 361.6 m 502.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 361.6 m 506.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 361.6 m 562.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 361.6 m 322.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 350.6 m 322.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 361.6 m 326.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 350.6 m 326.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 361.6 m 382.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 350.6 m 382.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 361.6 m 386.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 350.6 m 386.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 361.6 m 442.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 350.6 m 442.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 361.6 m 446.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 350.6 m 446.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 361.6 m 502.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 350.6 m 502.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 361.6 m 506.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 350.6 m 506.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 361.6 m 562.5 361.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 350.6 m 562.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 350.6 m 322.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 350.6 m 326.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 350.6 m 382.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 350.6 m 386.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 350.6 m 442.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 350.6 m 446.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 350.6 m 502.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 350.6 m 506.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 350.6 m 562.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 231.60000000000002 m 322.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 220.60000000000002 m 322.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 231.60000000000002 m 326.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 220.60000000000002 m 326.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 231.60000000000002 m 382.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 220.60000000000002 m 382.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 231.60000000000002 m 386.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 220.60000000000002 m 386.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 231.60000000000002 m 442.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 220.60000000000002 m 442.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 231.60000000000002 m 446.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 220.60000000000002 m 446.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 231.60000000000002 m 502.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 220.60000000000002 m 502.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 231.60000000000002 m 506.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 220.60000000000002 m 506.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 231.60000000000002 m 562.5 231.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 220.60000000000002 m 562.5 220.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 186.60000000000002 m 262.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 186.60000000000002 m 266.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 207.60000000000002 m 322.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 186.60000000000002 m 322.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 207.60000000000002 m 326.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 186.60000000000002 m 326.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 207.60000000000002 m 382.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 186.60000000000002 m 382.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 207.60000000000002 m 386.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 186.60000000000002 m 386.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 207.60000000000002 m 442.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 186.60000000000002 m 442.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 207.60000000000002 m 446.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 186.60000000000002 m 446.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 207.60000000000002 m 502.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 186.60000000000002 m 502.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 207.60000000000002 m 506.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 186.60000000000002 m 506.5 186.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 207.60000000000002 m 562.5 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 186.60000000000002 m 562.5 186.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 694.55 Td (\(Dollars ) Tj ET Q q 0 0 0 rg BT 81.21 694.55 Td (in ) Tj ET Q q 0 0 0 rg BT 89.44 694.55 Td (thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.00 694.68 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.00 694.55 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.00 694.55 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.00 694.55 Td (2012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.10 694.55 Td (2011) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 683.68 Td (Loans past due gr) Tj ET Q q 0 0 0 rg BT 113.98 683.68 Td (eater) Tj ET Q q 0 0 0 rg BT 131.15 683.68 Td ( than 90 days and still accruing ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 239.39 687.31 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.46 683.68 Td (:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 672.55 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 672.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 672.68 Td (541) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 672.55 Td (474) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 672.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 672.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 672.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 661.55 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 661.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.30 661.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.30 661.55 Td (230) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 661.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 661.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 650.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 650.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.30 650.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 650.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 650.55 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 650.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 639.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 639.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.30 639.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 639.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 639.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 639.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 628.55 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 628.68 Td (10,294) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 628.55 Td (7,665) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 628.55 Td (8,842) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 628.55 Td (10,008) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 628.55 Td (5,281) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 617.55 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 617.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.30 617.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 617.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 617.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 617.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 606.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 606.68 Td (150) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 606.55 Td (119) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.30 606.55 Td (105) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 606.55 Td (221) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.30 606.55 Td (314) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 595.55 Td (Total loans past due greater than 90 days and still accruing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 595.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 595.68 Td (10,985) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.00 595.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 595.55 Td (8,258) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 595.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 595.55 Td (9,177) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 595.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 595.55 Td (10,329) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 595.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 595.55 Td (5,595) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 584.68 Td (Non-accrual loans ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 117.00 588.31 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 123.06 584.68 Td (:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 573.55 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 573.68 Td (12,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 573.55 Td (9,157) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 573.55 Td (10,780) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 573.55 Td (21,737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 573.55 Td (19,018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 562.55 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 562.68 Td (26,645) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 562.55 Td (26,605) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 562.55 Td (46,658) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 562.55 Td (49,973) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 562.55 Td (66,508) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 551.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 296.00 551.68 Td (6,848) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 551.55 Td (6,174) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 551.55 Td (10,071) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 551.55 Td (13,423) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 551.55 Td (14,164) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 540.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 540.68 Td (12,043) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 540.55 Td (15,502) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 540.55 Td (14,974) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 540.55 Td (11,728) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 540.55 Td (6,619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 529.55 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 529.68 Td (14,561) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 529.55 Td (12,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 529.55 Td (10,537) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 529.55 Td (9,302) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 529.55 Td (7,755) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 518.55 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 518.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.30 518.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 518.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 518.55 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 518.55 Td (54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 507.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 507.68 Td (263) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 507.55 Td (277) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 507.55 Td (1,137) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 507.55 Td (1,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.30 507.55 Td (371) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 496.55 Td (Total non-accrual loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 496.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 496.68 Td (73,072) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.00 496.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 496.55 Td (70,420) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 496.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 496.55 Td (94,157) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 496.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 496.55 Td (107,754) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 496.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 496.55 Td (114,489) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 485.68 Td (Total non-performing loans:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 474.55 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 474.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 474.68 Td (13,253) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.00 474.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 474.55 Td (9,631) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 474.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 474.55 Td (10,780) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 474.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 474.55 Td (21,737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 474.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 474.55 Td (19,018) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 463.55 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 463.68 Td (26,645) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 463.55 Td (26,605) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 463.55 Td (46,888) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 463.55 Td (49,973) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 463.55 Td (66,508) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 452.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 296.00 452.68 Td (6,848) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 452.55 Td (6,174) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 452.55 Td (10,071) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 452.55 Td (13,523) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 452.55 Td (14,164) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 441.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 441.68 Td (12,043) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 441.55 Td (15,502) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 441.55 Td (14,974) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 441.55 Td (11,728) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 441.55 Td (6,619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 430.55 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 430.68 Td (24,855) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 430.55 Td (20,370) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 430.55 Td (19,379) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 430.55 Td (19,310) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 430.55 Td (13,036) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 419.55 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 419.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.30 419.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 419.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 419.55 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 419.55 Td (54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 408.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 408.68 Td (413) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 408.55 Td (395) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 408.55 Td (1,242) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 408.55 Td (1,787) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.30 408.55 Td (685) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 397.55 Td (Total non-performing loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 397.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 397.68 Td (84,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.00 397.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 397.55 Td (78,677) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 397.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.25 397.55 Td (103,334) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 397.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 397.55 Td (118,083) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 397.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 397.55 Td (120,084) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 386.55 Td (Other real estate owned) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 386.68 Td (26,849) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 386.55 Td (36,419) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 386.55 Td (43,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 386.55 Td (54,546) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 386.55 Td (79,007) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 375.55 Td (Other real estate owned from acquisitions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 375.68 Td (17,096) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 375.55 Td (9,223) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 375.55 Td (7,056) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 375.55 Td (8,345) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 375.55 Td (7,516) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 364.55 Td (Other repossessed assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 364.68 Td (174) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 364.55 Td (303) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.30 364.55 Td (542) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 364.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 364.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 353.55 Td (Total non-performing assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 353.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.00 353.68 Td (128,176) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.00 353.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 349.25 353.55 Td (124,622) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 353.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.25 353.55 Td (154,330) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 353.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 353.55 Td (180,974) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 353.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 353.55 Td (206,607) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 341.85 Td (TDRs performing under the contractual terms of the loan) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 333.85 Td (agreement) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.00 333.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 333.83 Td (42,744) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.00 333.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 333.85 Td (69,697) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 333.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 333.85 Td (78,610) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 333.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.25 333.85 Td (106,119) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 333.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 333.85 Td (119,920) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 320.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.60 320.83 Td (otal non-performing loans by category as a per) Tj ET Q q 0 0 0 rg BT 217.22 320.83 Td (cent of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.10 320.83 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 242.10 320.83 Td (its ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 312.83 Td (own r) Tj ET Q q 0 0 0 rg BT 72.63 312.83 Td (espective category) Tj ET Q q 0 0 0 rg BT 136.97 312.83 Td (s period-end balance:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 300.55 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 300.68 Td (0.28) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.00 300.68 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 300.55 Td (0.25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 300.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 300.55 Td (0.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 300.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 300.55 Td (0.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.30 300.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 300.55 Td (0.76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 300.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 289.55 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 289.68 Td (0.48) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 289.55 Td (0.59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 289.55 Td (1.11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 289.55 Td (1.29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 289.55 Td (1.89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 278.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 278.68 Td (0.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 278.55 Td (0.86) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 278.55 Td (1.40) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 278.55 Td (1.72) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 278.55 Td (1.64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 267.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 267.68 Td (1.98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 267.55 Td (3.21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 267.55 Td (3.44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 267.55 Td (3.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 267.55 Td (1.89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 256.55 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 256.68 Td (1.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 256.55 Td (0.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 256.55 Td (0.89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 256.55 Td (0.97) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 256.55 Td (0.92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 245.55 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 245.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.30 245.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 245.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 245.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 245.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 234.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 234.68 Td (0.28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 234.55 Td (0.26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 234.55 Td (0.74) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 234.55 Td (0.99) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 234.55 Td (0.36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 223.55 Td (Total non-performing loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 223.68 Td (0.49) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.00 223.68 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 223.55 Td (0.55) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 223.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 223.55 Td (0.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 223.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 223.55 Td (1.00) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.30 223.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 223.55 Td (1.14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 223.55 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 211.83 Td (T) Tj ET Q q 0 0 0 rg BT 57.60 211.83 Td (otal non-performing assets, as a per) Tj ET Q q 0 0 0 rg BT 179.23 211.83 Td (centage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.99 211.83 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 206.99 211.83 Td (of total assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 211.83 Td (0.56) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.00 211.83 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 211.85 Td (0.62) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 211.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 211.85 Td (0.85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 211.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 211.85 Td (1.03) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.30 211.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 211.85 Td (1.30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 211.85 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 198.83 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 100.62 198.83 Td ( loan losses as a per) Tj ET Q q 0 0 0 rg BT 166.93 198.83 Td (centage of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 190.83 Td (total non-performing loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.00 190.83 Td (125.39) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.00 190.83 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.25 190.85 Td (116.56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 190.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 190.85 Td (93.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 190.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 190.85 Td (90.91) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.30 190.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 190.85 Td (91.92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 190.85 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 175.10 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 175.10 Td (As ) Tj ET Q q 0 0 0 rg BT 98.50 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.78 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.50 175.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 147.10 175.10 Td (shown, ) Tj ET Q q 0 0 0 rg BT 177.67 175.10 Td (no ) Tj ET Q q 0 0 0 rg BT 190.17 175.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 215.45 175.10 Td (wer) Tj ET Q q 0 0 0 rg BT 230.08 175.10 Td (e ) Tj ET Q q 0 0 0 rg BT 237.02 175.10 Td (past ) Tj ET Q q 0 0 0 rg BT 256.19 175.10 Td (due ) Tj ET Q q 0 0 0 rg BT 273.12 175.10 Td (gr) Tj ET Q q 0 0 0 rg BT 281.64 175.10 Td (eater ) Tj ET Q q 0 0 0 rg BT 304.69 175.10 Td (than ) Tj ET Q q 0 0 0 rg BT 324.97 175.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 337.47 175.10 Td (days ) Tj ET Q q 0 0 0 rg BT 358.30 175.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.80 175.10 Td (still ) Tj ET Q q 0 0 0 rg BT 393.30 175.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 431.35 175.10 Td (inter) Tj ET Q q 0 0 0 rg BT 449.87 175.10 Td (est.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 163.10 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 163.10 Td (Non-accrual ) Tj ET Q q 0 0 0 rg BT 138.73 163.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 162.58 163.10 Td (included ) Tj ET Q q 0 0 0 rg BT 199.19 163.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 224.15 163.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 257.45 163.10 Td ($9.1 ) Tj ET Q q 0 0 0 rg BT 277.13 163.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 310.14 163.10 Td ($12.6 ) Tj ET Q q 0 0 0 rg BT 334.82 163.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 367.84 163.10 Td ($28.5 ) Tj ET Q q 0 0 0 rg BT 392.52 163.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 425.53 163.10 Td ($20.4 ) Tj ET Q q 0 0 0 rg BT 450.21 163.10 Td (million ) Tj ET Q q 0 0 0 rg BT 480.73 163.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.91 163.10 Td ($10.6 ) Tj ET Q q 0 0 0 rg BT 522.59 163.10 Td (million ) Tj ET Q q 0 0 0 rg BT 553.10 163.10 Td (as ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 151.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.28 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.00 151.10 Td (years ) Tj ET Q q 0 0 0 rg BT 135.16 151.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 161.53 151.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 186.53 151.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 211.53 151.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 236.53 151.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 259.03 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.53 151.10 Td (201) Tj ET Q q 0 0 0 rg BT 290.79 151.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 300.79 151.10 Td (r) Tj ET Q q 0 0 0 rg BT 304.31 151.10 Td (espectively) Tj ET Q q 0 0 0 rg BT 347.62 151.10 Td (.) Tj ET Q endstream endobj 157 0 obj <> endobj 158 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (78) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Non-performing Commer) Tj ET Q q 0 0 0 rg BT 151.57 742.10 Td (cial and Commer) Tj ET Q q 0 0 0 rg BT 220.64 742.10 Td (cial Real Estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 103.55 721.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 171.00 721.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 192.34 721.10 Td (category ) Tj ET Q q 0 0 0 rg BT 230.89 721.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.23 721.10 Td ($13.3 ) Tj ET Q q 0 0 0 rg BT 288.85 721.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.74 721.10 Td ( ) Tj ET Q q 0 0 0 rg BT 321.87 721.10 Td (as ) Tj ET Q q 0 0 0 rg BT 334.33 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.78 721.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 406.99 721.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 431.12 721.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 474.67 721.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.57 721.10 Td ($9.6 ) Tj ET Q q 0 0 0 rg BT 508.20 721.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.09 721.10 Td ( ) Tj ET Q q 0 0 0 rg BT 541.22 721.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.67 721.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.96 709.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 132.33 709.10 Td (while ) Tj ET Q q 0 0 0 rg BT 156.42 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.51 709.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 235.70 709.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 284.77 709.10 Td (real ) Tj ET Q q 0 0 0 rg BT 301.62 709.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 326.26 709.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 345.35 709.10 Td (category ) Tj ET Q q 0 0 0 rg BT 381.65 709.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.73 709.10 Td ($26.6 ) Tj ET Q q 0 0 0 rg BT 435.10 709.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.99 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 465.87 709.10 Td (as ) Tj ET Q q 0 0 0 rg BT 476.07 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.27 709.10 Td (both ) Tj ET Q q 0 0 0 rg BT 505.92 709.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 72.50 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.44 697.10 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.63 676.10 Td (is ) Tj ET Q q 0 0 0 rg BT 113.73 676.10 Td (pursuing ) Tj ET Q q 0 0 0 rg BT 151.16 676.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.80 676.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 208.23 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 218.98 676.10 Td (all ) Tj ET Q q 0 0 0 rg BT 231.41 676.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 260.49 676.10 Td (in ) Tj ET Q q 0 0 0 rg BT 270.70 676.10 Td (this ) Tj ET Q q 0 0 0 rg BT 287.57 676.10 Td (category) Tj ET Q q 0 0 0 rg BT 321.35 676.10 Td (. ) Tj ET Q q 0 0 0 rg BT 325.74 676.10 Td (At ) Tj ET Q q 0 0 0 rg BT 338.17 676.10 Td (this ) Tj ET Q q 0 0 0 rg BT 355.04 676.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 377.75 676.10 Td (management ) Tj ET Q q 0 0 0 rg BT 431.26 676.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 466.46 676.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 501.64 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 516.28 676.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 554.24 676.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 79.16 664.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 114.42 664.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 140.82 664.10 Td (that ) Tj ET Q q 0 0 0 rg BT 158.31 664.10 Td (may ) Tj ET Q q 0 0 0 rg BT 178.03 664.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 202.73 664.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 225.23 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.95 664.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 275.22 664.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 317.71 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.54 664.10 Td (these ) Tj ET Q q 0 0 0 rg BT 351.59 664.10 Td (credits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (Non-performing Residential Real Estate and Home Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 117.01 622.10 Td (home ) Tj ET Q q 0 0 0 rg BT 140.70 622.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 167.17 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 183.09 622.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 226.21 622.10 Td (real ) Tj ET Q q 0 0 0 rg BT 242.67 622.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 266.91 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 289.49 622.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.18 622.10 Td ($18.9 ) Tj ET Q q 0 0 0 rg BT 342.15 622.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.04 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 372.52 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 382.32 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.13 622.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 449.69 622.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 473.56 622.10 Td (The ) Tj ET Q q 0 0 0 rg BT 490.58 622.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 522.58 622.10 Td (decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 69.01 610.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.90 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 99.42 610.10 Td (from ) Tj ET Q q 0 0 0 rg BT 120.37 610.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 177.96 610.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 201.87 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 218.93 610.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 276.52 610.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 298.04 610.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 362.87 610.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 394.91 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.09 610.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 446.26 610.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.10 610.10 Td ($12.0 ) Tj ET Q q 0 0 0 rg BT 480.12 610.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.01 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 510.52 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.36 610.10 Td (residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (real ) Tj ET Q q 0 0 0 rg BT 67.83 598.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 93.44 598.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.77 598.10 Td (61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.77 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 109.62 598.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 153.01 598.10 Td (credits\) ) Tj ET Q q 0 0 0 rg BT 185.84 598.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.13 598.10 Td ($6.8 ) Tj ET Q q 0 0 0 rg BT 223.47 598.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.37 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 255.21 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.39 598.10 Td (home ) Tj ET Q q 0 0 0 rg BT 291.45 598.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 319.29 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 343.25 598.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.58 598.10 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.58 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 359.42 598.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 402.82 598.10 Td (credits\). ) Tj ET Q q 0 0 0 rg BT 437.94 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 456.34 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 498.07 598.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 533.68 598.10 Td (control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.66 586.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 110.30 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 121.85 586.10 Td (these ) Tj ET Q q 0 0 0 rg BT 145.61 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 169.94 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 179.82 586.10 Td (very ) Tj ET Q q 0 0 0 rg BT 200.81 586.10 Td (manageable. ) Tj ET Q q 0 0 0 rg BT 253.56 586.10 Td (At ) Tj ET Q q 0 0 0 rg BT 266.78 586.10 Td (this ) Tj ET Q q 0 0 0 rg BT 284.45 586.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 307.94 586.10 Td (management ) Tj ET Q q 0 0 0 rg BT 362.24 586.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 398.22 586.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 434.20 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 449.62 586.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 488.37 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.37 586.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 529.24 586.10 Td (inherent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.39 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 93.89 574.10 Td (may ) Tj ET Q q 0 0 0 rg BT 113.60 574.10 Td (occur ) Tj ET Q q 0 0 0 rg BT 138.31 574.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 160.81 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.53 574.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 210.80 574.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 253.29 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.12 574.10 Td (these ) Tj ET Q q 0 0 0 rg BT 287.17 574.10 Td (credits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (Non-performing Commer) Tj ET Q q 0 0 0 rg BT 151.57 553.10 Td (cial Pr) Tj ET Q q 0 0 0 rg BT 178.70 553.10 Td (emium Finance Receivables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.44 532.10 Td (table ) Tj ET Q q 0 0 0 rg BT 88.77 532.10 Td (below ) Tj ET Q q 0 0 0 rg BT 115.10 532.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 149.77 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.88 532.10 Td (level ) Tj ET Q q 0 0 0 rg BT 185.21 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.43 532.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 260.64 532.10 Td (property ) Tj ET Q q 0 0 0 rg BT 296.41 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.74 532.10 Td (casualty ) Tj ET Q q 0 0 0 rg BT 347.40 532.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 385.40 532.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 416.72 532.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 463.58 532.10 Td (as ) Tj ET Q q 0 0 0 rg BT 473.81 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.03 532.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 532.10 Td (2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 520.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 91.94 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.88 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.59 520.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 156.09 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.92 520.10 Td (net ) Tj ET Q q 0 0 0 rg BT 181.64 520.10 Td (char) Tj ET Q q 0 0 0 rg BT 198.66 520.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 219.58 520.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 229.30 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 243.46 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.18 520.10 Td (years ) Tj ET Q q 0 0 0 rg BT 281.78 520.10 Td (then ) Tj ET Q q 0 0 0 rg BT 301.49 520.10 Td (ended.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 509.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 474.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 474.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 474.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 474.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 474.80 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 446.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 446.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 446.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 446.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 446.80 79.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 498.8 m 397.5 498.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 498.8 m 401.5 498.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 498.8 m 479.5 498.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 486.8 m 479.5 486.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 498.8 m 483.5 498.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 486.8 m 483.5 486.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 498.8 m 562.5 498.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 486.8 m 562.5 486.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 474.8 m 397.5 474.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 474.8 m 401.5 474.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 474.8 m 479.5 474.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 474.8 m 483.5 474.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 474.8 m 562.5 474.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 474.8 m 562.5 474.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 418.8 m 397.5 418.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 418.8 m 401.5 418.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 418.8 m 479.5 418.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 418.8 m 483.5 418.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 418.8 m 562.5 418.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 490.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.25 490.88 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 478.75 Td (\(Dollars ) Tj ET Q q 0 0 0 rg BT 81.21 478.75 Td (in ) Tj ET Q q 0 0 0 rg BT 89.44 478.75 Td (thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.00 478.88 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.50 478.75 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 465.37 Td (Non-performing premium finance receivables commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 465.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.50 465.48 Td (24,855) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 465.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 465.37 Td (20,370) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 451.37 Td (- as a percent of premium finance receivables commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.50 451.48 Td (1.05) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.00 451.48 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 451.37 Td (0.87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 451.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 437.37 Td (Net charge-offs of premium finance receivables commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 437.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.50 437.48 Td (5,772) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 437.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 437.37 Td (4,583) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 423.37 Td (- as a percent of average premium finance receivables commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.50 423.48 Td (0.24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.00 423.48 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 423.37 Td (0.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 423.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 398.30 Td (Fluctuations ) Tj ET Q q 0 0 0 rg BT 101.94 398.30 Td (in ) Tj ET Q q 0 0 0 rg BT 112.21 398.30 Td (this ) Tj ET Q q 0 0 0 rg BT 129.15 398.30 Td (category ) Tj ET Q q 0 0 0 rg BT 166.06 398.30 Td (may ) Tj ET Q q 0 0 0 rg BT 185.77 398.30 Td (occur ) Tj ET Q q 0 0 0 rg BT 210.47 398.30 Td (due ) Tj ET Q q 0 0 0 rg BT 227.40 398.30 Td (to ) Tj ET Q q 0 0 0 rg BT 237.67 398.30 Td (timing ) Tj ET Q q 0 0 0 rg BT 266.27 398.30 Td (and ) Tj ET Q q 0 0 0 rg BT 283.20 398.30 Td (nature ) Tj ET Q q 0 0 0 rg BT 310.68 398.30 Td (of ) Tj ET Q q 0 0 0 rg BT 321.50 398.30 Td (account ) Tj ET Q q 0 0 0 rg BT 355.09 398.30 Td (collections ) Tj ET Q q 0 0 0 rg BT 400.90 398.30 Td (from ) Tj ET Q q 0 0 0 rg BT 422.83 398.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 463.64 398.30 Td (carriers. ) Tj ET Q q 0 0 0 rg BT 498.42 398.30 Td (The ) Tj ET Q q 0 0 0 rg BT 516.46 398.30 Td (Company) Tj ET Q q 0 0 0 rg BT 558.13 398.30 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.30 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 104.12 386.30 Td (standards, ) Tj ET Q q 0 0 0 rg BT 146.86 386.30 Td (regardless ) Tj ET Q q 0 0 0 rg BT 189.86 386.30 Td (of ) Tj ET Q q 0 0 0 rg BT 200.65 386.30 Td (the ) Tj ET Q q 0 0 0 rg BT 215.34 386.30 Td (condition ) Tj ET Q q 0 0 0 rg BT 255.58 386.30 Td (of ) Tj ET Q q 0 0 0 rg BT 266.37 386.30 Td (the ) Tj ET Q q 0 0 0 rg BT 281.05 386.30 Td (economy) Tj ET Q q 0 0 0 rg BT 317.06 386.30 Td (, ) Tj ET Q q 0 0 0 rg BT 322.03 386.30 Td (have ) Tj ET Q q 0 0 0 rg BT 343.37 386.30 Td (remained ) Tj ET Q q 0 0 0 rg BT 383.04 386.30 Td (consistent. ) Tj ET Q q 0 0 0 rg BT 427.82 386.30 Td (W) Tj ET Q q 0 0 0 rg BT 436.46 386.30 Td (e ) Tj ET Q q 0 0 0 rg BT 443.36 386.30 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 484.69 386.30 Td (that ) Tj ET Q q 0 0 0 rg BT 502.16 386.30 Td (net ) Tj ET Q q 0 0 0 rg BT 516.84 386.30 Td (char) Tj ET Q q 0 0 0 rg BT 533.86 386.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 554.78 386.30 Td (fs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.30 Td (and ) Tj ET Q q 0 0 0 rg BT 66.98 374.30 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 132.83 374.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 154.81 374.30 Td (levels ) Tj ET Q q 0 0 0 rg BT 180.67 374.30 Td (in ) Tj ET Q q 0 0 0 rg BT 190.99 374.30 Td (the ) Tj ET Q q 0 0 0 rg BT 205.74 374.30 Td (near ) Tj ET Q q 0 0 0 rg BT 225.49 374.30 Td (term ) Tj ET Q q 0 0 0 rg BT 246.35 374.30 Td (will ) Tj ET Q q 0 0 0 rg BT 264.44 374.30 Td (continue ) Tj ET Q q 0 0 0 rg BT 301.42 374.30 Td (to ) Tj ET Q q 0 0 0 rg BT 311.73 374.30 Td (be ) Tj ET Q q 0 0 0 rg BT 323.71 374.30 Td (at ) Tj ET Q q 0 0 0 rg BT 333.46 374.30 Td (levels ) Tj ET Q q 0 0 0 rg BT 359.33 374.30 Td (that ) Tj ET Q q 0 0 0 rg BT 376.86 374.30 Td (are ) Tj ET Q q 0 0 0 rg BT 391.61 374.30 Td (within ) Tj ET Q q 0 0 0 rg BT 419.70 374.30 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 464.43 374.30 Td (operating ) Tj ET Q q 0 0 0 rg BT 504.73 374.30 Td (ranges ) Tj ET Q q 0 0 0 rg BT 533.36 374.30 Td (for ) Tj ET Q q 0 0 0 rg BT 547.56 374.30 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.30 Td (category ) Tj ET Q q 0 0 0 rg BT 87.49 362.30 Td (of ) Tj ET Q q 0 0 0 rg BT 98.89 362.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 125.57 362.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 180.84 362.30 Td (is ) Tj ET Q q 0 0 0 rg BT 190.58 362.30 Td (comfortable ) Tj ET Q q 0 0 0 rg BT 241.96 362.30 Td (with ) Tj ET Q q 0 0 0 rg BT 262.81 362.30 Td (administering ) Tj ET Q q 0 0 0 rg BT 320.86 362.30 Td (the ) Tj ET Q q 0 0 0 rg BT 336.15 362.30 Td (collections ) Tj ET Q q 0 0 0 rg BT 382.54 362.30 Td (at ) Tj ET Q q 0 0 0 rg BT 392.82 362.30 Td (this ) Tj ET Q q 0 0 0 rg BT 410.34 362.30 Td (level ) Tj ET Q q 0 0 0 rg BT 432.84 362.30 Td (of ) Tj ET Q q 0 0 0 rg BT 444.24 362.30 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 510.63 362.30 Td (property ) Tj ET Q q 0 0 0 rg BT 547.57 362.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.30 Td (casualty ) Tj ET Q q 0 0 0 rg BT 84.46 350.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 122.26 350.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 153.38 350.30 Td (receivables ) Tj ET Q q 0 0 0 rg BT 200.05 350.30 Td (and ) Tj ET Q q 0 0 0 rg BT 216.18 350.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 250.64 350.30 Td (reserves ) Tj ET Q q 0 0 0 rg BT 285.10 350.30 Td (are ) Tj ET Q q 0 0 0 rg BT 299.00 350.30 Td (adequate ) Tj ET Q q 0 0 0 rg BT 336.23 350.30 Td (to ) Tj ET Q q 0 0 0 rg BT 345.71 350.30 Td (absorb ) Tj ET Q q 0 0 0 rg BT 374.06 350.30 Td (inherent ) Tj ET Q q 0 0 0 rg BT 408.53 350.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 434.11 350.30 Td (that ) Tj ET Q q 0 0 0 rg BT 450.81 350.30 Td (may ) Tj ET Q q 0 0 0 rg BT 469.72 350.30 Td (occur ) Tj ET Q q 0 0 0 rg BT 493.62 350.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 515.32 350.30 Td (the ) Tj ET Q q 0 0 0 rg BT 529.23 350.30 Td (ultimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 338.30 Td (resolution ) Tj ET Q q 0 0 0 rg BT 92.50 338.30 Td (of ) Tj ET Q q 0 0 0 rg BT 103.33 338.30 Td (these ) Tj ET Q q 0 0 0 rg BT 126.37 338.30 Td (credits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.30 Td (Due ) Tj ET Q q 0 0 0 rg BT 70.16 317.30 Td (to ) Tj ET Q q 0 0 0 rg BT 81.44 317.30 Td (the ) Tj ET Q q 0 0 0 rg BT 97.16 317.30 Td (nature ) Tj ET Q q 0 0 0 rg BT 125.64 317.30 Td (of ) Tj ET Q q 0 0 0 rg BT 137.48 317.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 178.17 317.30 Td (for ) Tj ET Q q 0 0 0 rg BT 193.33 317.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 244.03 317.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 283.64 317.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 316.56 317.30 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 367.53 317.30 Td (it ) Tj ET Q q 0 0 0 rg BT 376.59 317.30 Td (customarily ) Tj ET Q q 0 0 0 rg BT 427.30 317.30 Td (takes ) Tj ET Q q 0 0 0 rg BT 451.35 317.30 Td (60-150 ) Tj ET Q q 0 0 0 rg BT 483.18 317.30 Td (days ) Tj ET Q q 0 0 0 rg BT 505.01 317.30 Td (to ) Tj ET Q q 0 0 0 rg BT 516.29 317.30 Td (convert ) Tj ET Q q 0 0 0 rg BT 549.78 317.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 88.65 305.30 Td (into ) Tj ET Q q 0 0 0 rg BT 105.65 305.30 Td (cash. ) Tj ET Q q 0 0 0 rg BT 127.37 305.30 Td ( ) Tj ET Q q 0 0 0 rg BT 128.50 305.30 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 177.84 305.30 Td (, ) Tj ET Q q 0 0 0 rg BT 181.78 305.30 Td (the ) Tj ET Q q 0 0 0 rg BT 195.45 305.30 Td (level ) Tj ET Q q 0 0 0 rg BT 216.33 305.30 Td (of ) Tj ET Q q 0 0 0 rg BT 226.11 305.30 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 290.88 305.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 339.52 305.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 377.08 305.30 Td (finance ) Tj ET Q q 0 0 0 rg BT 407.95 305.30 Td (receivables ) Tj ET Q q 0 0 0 rg BT 454.37 305.30 Td (is ) Tj ET Q q 0 0 0 rg BT 462.49 305.30 Td (not ) Tj ET Q q 0 0 0 rg BT 476.72 305.30 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 522.59 305.30 Td (indicative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.30 Td (of ) Tj ET Q q 0 0 0 rg BT 60.74 293.30 Td (the ) Tj ET Q q 0 0 0 rg BT 75.36 293.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 93.33 293.30 Td (inherent ) Tj ET Q q 0 0 0 rg BT 128.50 293.30 Td (in ) Tj ET Q q 0 0 0 rg BT 138.68 293.30 Td (the ) Tj ET Q q 0 0 0 rg BT 153.30 293.30 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 193.21 293.30 Td ( ) Tj ET Q q 0 0 0 rg BT 195.61 293.30 Td (In ) Tj ET Q q 0 0 0 rg BT 206.35 293.30 Td (the ) Tj ET Q q 0 0 0 rg BT 220.97 293.30 Td (event ) Tj ET Q q 0 0 0 rg BT 245.03 293.30 Td (of ) Tj ET Q q 0 0 0 rg BT 255.77 293.30 Td (default, ) Tj ET Q q 0 0 0 rg BT 288.27 293.30 Td (W) Tj ET Q q 0 0 0 rg BT 297.30 293.30 Td (intrust ) Tj ET Q q 0 0 0 rg BT 325.27 293.30 Td (has ) Tj ET Q q 0 0 0 rg BT 341.00 293.30 Td (the ) Tj ET Q q 0 0 0 rg BT 355.63 293.30 Td (power ) Tj ET Q q 0 0 0 rg BT 383.02 293.30 Td (to ) Tj ET Q q 0 0 0 rg BT 393.21 293.30 Td (cancel ) Tj ET Q q 0 0 0 rg BT 421.15 293.30 Td (the ) Tj ET Q q 0 0 0 rg BT 435.77 293.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 476.49 293.30 Td (policy ) Tj ET Q q 0 0 0 rg BT 503.89 293.30 Td (and ) Tj ET Q q 0 0 0 rg BT 520.74 293.30 Td (collect ) Tj ET Q q 0 0 0 rg BT 549.79 293.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 281.30 Td (unearned ) Tj ET Q q 0 0 0 rg BT 89.87 281.30 Td (portion ) Tj ET Q q 0 0 0 rg BT 121.98 281.30 Td (of ) Tj ET Q q 0 0 0 rg BT 133.53 281.30 Td (the ) Tj ET Q q 0 0 0 rg BT 148.97 281.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 188.29 281.30 Td (from ) Tj ET Q q 0 0 0 rg BT 210.95 281.30 Td (the ) Tj ET Q q 0 0 0 rg BT 226.39 281.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 267.93 281.30 Td (carrier) Tj ET Q q 0 0 0 rg BT 293.46 281.30 Td (. ) Tj ET Q q 0 0 0 rg BT 299.18 281.30 Td (In ) Tj ET Q q 0 0 0 rg BT 310.73 281.30 Td (the ) Tj ET Q q 0 0 0 rg BT 326.17 281.30 Td (event ) Tj ET Q q 0 0 0 rg BT 351.05 281.30 Td (of ) Tj ET Q q 0 0 0 rg BT 362.60 281.30 Td (cancellation, ) Tj ET Q q 0 0 0 rg BT 416.63 281.30 Td (the ) Tj ET Q q 0 0 0 rg BT 432.07 281.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 453.06 281.30 Td (returned ) Tj ET Q q 0 0 0 rg BT 489.59 281.30 Td (in ) Tj ET Q q 0 0 0 rg BT 500.59 281.30 Td (payment ) Tj ET Q q 0 0 0 rg BT 538.25 281.30 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 281.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 269.30 Td (unearned ) Tj ET Q q 0 0 0 rg BT 88.65 269.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 126.76 269.30 Td (by ) Tj ET Q q 0 0 0 rg BT 138.77 269.30 Td (the ) Tj ET Q q 0 0 0 rg BT 152.99 269.30 Td (insurer ) Tj ET Q q 0 0 0 rg BT 182.77 269.30 Td (should ) Tj ET Q q 0 0 0 rg BT 211.45 269.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 250.65 269.30 Td (be ) Tj ET Q q 0 0 0 rg BT 262.10 269.30 Td (suf) Tj ET Q q 0 0 0 rg BT 274.14 269.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 301.69 269.30 Td (to ) Tj ET Q q 0 0 0 rg BT 311.47 269.30 Td (cover ) Tj ET Q q 0 0 0 rg BT 335.69 269.30 Td (the ) Tj ET Q q 0 0 0 rg BT 349.91 269.30 Td (receivable ) Tj ET Q q 0 0 0 rg BT 393.00 269.30 Td (balance, ) Tj ET Q q 0 0 0 rg BT 428.04 269.30 Td (the ) Tj ET Q q 0 0 0 rg BT 442.26 269.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 473.70 269.30 Td (and ) Tj ET Q q 0 0 0 rg BT 490.15 269.30 Td (other ) Tj ET Q q 0 0 0 rg BT 512.70 269.30 Td (char) Tj ET Q q 0 0 0 rg BT 529.73 269.30 Td (ges ) Tj ET Q q 0 0 0 rg BT 545.06 269.30 Td (due. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 257.30 Td (Due ) Tj ET Q q 0 0 0 rg BT 68.44 257.30 Td (to ) Tj ET Q q 0 0 0 rg BT 78.01 257.30 Td (notification ) Tj ET Q q 0 0 0 rg BT 125.89 257.30 Td (requirements ) Tj ET Q q 0 0 0 rg BT 179.88 257.30 Td (and ) Tj ET Q q 0 0 0 rg BT 196.10 257.30 Td (processing ) Tj ET Q q 0 0 0 rg BT 240.65 257.30 Td (time ) Tj ET Q q 0 0 0 rg BT 260.21 257.30 Td (by ) Tj ET Q q 0 0 0 rg BT 272.00 257.30 Td (most ) Tj ET Q q 0 0 0 rg BT 293.23 257.30 Td (insurance ) Tj ET Q q 0 0 0 rg BT 333.33 257.30 Td (carriers, ) Tj ET Q q 0 0 0 rg BT 367.59 257.30 Td (many ) Tj ET Q q 0 0 0 rg BT 391.59 257.30 Td (receivables ) Tj ET Q q 0 0 0 rg BT 438.35 257.30 Td (will ) Tj ET Q q 0 0 0 rg BT 455.69 257.30 Td (become ) Tj ET Q q 0 0 0 rg BT 488.57 257.30 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 532.56 257.30 Td (beyond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.30 Td (90 ) Tj ET Q q 0 0 0 rg BT 61.79 245.30 Td (days ) Tj ET Q q 0 0 0 rg BT 81.92 245.30 Td (while ) Tj ET Q q 0 0 0 rg BT 105.93 245.30 Td (the ) Tj ET Q q 0 0 0 rg BT 119.94 245.30 Td (insurer ) Tj ET Q q 0 0 0 rg BT 149.50 245.30 Td (is ) Tj ET Q q 0 0 0 rg BT 157.97 245.30 Td (processing ) Tj ET Q q 0 0 0 rg BT 202.53 245.30 Td (the ) Tj ET Q q 0 0 0 rg BT 216.54 245.30 Td (return ) Tj ET Q q 0 0 0 rg BT 242.21 245.30 Td (of ) Tj ET Q q 0 0 0 rg BT 252.34 245.30 Td (the ) Tj ET Q q 0 0 0 rg BT 266.35 245.30 Td (unearned ) Tj ET Q q 0 0 0 rg BT 304.79 245.30 Td (premium. ) Tj ET Q q 0 0 0 rg BT 345.19 245.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 399.18 245.30 Td (continues ) Tj ET Q q 0 0 0 rg BT 439.30 245.30 Td (to ) Tj ET Q q 0 0 0 rg BT 448.88 245.30 Td (accrue ) Tj ET Q q 0 0 0 rg BT 476.76 245.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 507.98 245.30 Td (until ) Tj ET Q q 0 0 0 rg BT 528.11 245.30 Td (maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.30 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 233.30 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 233.30 Td (unearned ) Tj ET Q q 0 0 0 rg BT 114.69 233.30 Td (premium ) Tj ET Q q 0 0 0 rg BT 153.30 233.30 Td (is ) Tj ET Q q 0 0 0 rg BT 162.47 233.30 Td (ordinarily ) Tj ET Q q 0 0 0 rg BT 204.40 233.30 Td (suf) Tj ET Q q 0 0 0 rg BT 216.44 233.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 244.48 233.30 Td (to ) Tj ET Q q 0 0 0 rg BT 254.76 233.30 Td (pay-of) Tj ET Q q 0 0 0 rg BT 280.68 233.30 Td (f ) Tj ET Q q 0 0 0 rg BT 286.51 233.30 Td (the ) Tj ET Q q 0 0 0 rg BT 301.23 233.30 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 350.39 233.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 383.42 233.30 Td (and ) Tj ET Q q 0 0 0 rg BT 400.36 233.30 Td (contractual ) Tj ET Q q 0 0 0 rg BT 447.28 233.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 479.21 233.30 Td (due.) Tj ET Q endstream endobj 159 0 obj <> endobj 160 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (79) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Loan Portfolio ) Tj ET Q q 0 0 0 rg BT 111.49 742.10 Td (Aging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.75 721.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.84 721.10 Td (table ) Tj ET Q q 0 0 0 rg BT 133.48 721.10 Td (shows, ) Tj ET Q q 0 0 0 rg BT 164.18 721.10 Td (as ) Tj ET Q q 0 0 0 rg BT 175.72 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.25 721.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 246.54 721.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 272.24 721.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.22 721.10 Td (0.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.05 721.10 Td ( ) Tj ET Q q 0 0 0 rg BT 317.26 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.79 721.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.21 721.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 370.18 721.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 410.87 721.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 453.51 721.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 488.36 721.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 515.17 721.10 Td (is ) Tj ET Q q 0 0 0 rg BT 525.04 721.10 Td (in ) Tj ET Q q 0 0 0 rg BT 536.03 721.10 Td (a ) Tj ET Q q 0 0 0 rg BT 543.67 721.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 96.66 709.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 115.56 709.10 Td (\(non-accrual ) Tj ET Q q 0 0 0 rg BT 167.76 709.10 Td (or ) Tj ET Q q 0 0 0 rg BT 177.76 709.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 207.19 709.10 Td (than ) Tj ET Q q 0 0 0 rg BT 226.09 709.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 237.77 709.10 Td (days ) Tj ET Q q 0 0 0 rg BT 257.77 709.10 Td (past ) Tj ET Q q 0 0 0 rg BT 275.56 709.10 Td (due ) Tj ET Q q 0 0 0 rg BT 291.67 709.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.79 709.10 Td (still ) Tj ET Q q 0 0 0 rg BT 324.47 709.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 360.57 709.10 Td (interest\) ) Tj ET Q q 0 0 0 rg BT 395.01 709.10 Td (with ) Tj ET Q q 0 0 0 rg BT 414.47 709.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.93 709.10 Td (0.8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.76 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.43 709.10 Td (either ) Tj ET Q q 0 0 0 rg BT 480.87 709.10 Td (one ) Tj ET Q q 0 0 0 rg BT 496.99 709.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.00 709.10 Td (two ) Tj ET Q q 0 0 0 rg BT 523.67 709.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (past ) Tj ET Q q 0 0 0 rg BT 69.45 697.10 Td (due. ) Tj ET Q q 0 0 0 rg BT 89.73 697.10 Td (In ) Tj ET Q q 0 0 0 rg BT 101.41 697.10 Td (total, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.03 697.10 Td (98.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.86 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 154.20 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.87 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.43 697.10 Td (Company) Tj ET Q q 0 0 0 rg BT 223.10 697.10 Td (s ) Tj ET Q q 0 0 0 rg BT 230.33 697.10 Td (total ) Tj ET Q q 0 0 0 rg BT 251.45 697.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 272.01 697.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 312.85 697.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 355.63 697.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 390.62 697.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 417.57 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 429.24 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.92 697.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 500.34 697.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 523.69 697.10 Td (is ) Tj ET Q q 0 0 0 rg BT 533.70 697.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (according ) Tj ET Q q 0 0 0 rg BT 91.92 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.20 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.92 685.10 Td (original ) Tj ET Q q 0 0 0 rg BT 150.52 685.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 197.44 685.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 222.16 685.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.99 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.71 685.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 267.42 685.10 Td (agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (The tables below show the aging of the Company) Tj ET Q q 0 0 0 rg BT 251.07 661.10 Td (s loan portfolio at December31, 2015 and 2014:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 597.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 597.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 597.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 597.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 597.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 597.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 597.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 597.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 597.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 597.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 597.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 597.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 597.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 571.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 571.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 571.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 571.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 571.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 571.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 571.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 571.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 571.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 571.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 571.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 571.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 571.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 545.80 147.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 545.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 545.80 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 545.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 545.80 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 545.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 545.80 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 545.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 545.80 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 545.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 545.80 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 545.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 545.80 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 511.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 511.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 511.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 511.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 511.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 511.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 511.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 511.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 511.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 511.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 511.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 511.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 511.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 485.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 485.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 485.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 485.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 485.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 485.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 485.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 485.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 485.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 485.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 485.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 485.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 485.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 459.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 459.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 459.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 459.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 459.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 459.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 459.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 459.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 459.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 459.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 459.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 459.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 459.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 433.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 433.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 433.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 433.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 433.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 433.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 433.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 433.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 433.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 433.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 433.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 433.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 433.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 407.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 407.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 407.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 407.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 407.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 407.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 407.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 407.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 407.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 407.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 407.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 407.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 407.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 381.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 381.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 381.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 381.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 381.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 381.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 381.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 381.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 381.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 381.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 381.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 381.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 381.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 355.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 355.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 355.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 355.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 355.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 355.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 355.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 355.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 355.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 355.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 355.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 355.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 355.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 329.80 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 329.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 329.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 329.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 329.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 329.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 329.80 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 329.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 329.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 329.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 329.80 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 329.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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197.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 610.8 m 197.5 610.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 639.8 m 201.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 610.8 m 201.5 610.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 639.8 m 258.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 610.8 m 258.5 610.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 639.8 m 262.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 610.8 m 262.5 610.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 639.8 m 319.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 610.8 m 319.5 610.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 639.8 m 323.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 610.8 m 323.5 610.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 639.8 m 379.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 610.8 m 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139.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 152.79999999999995 m 383.5 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 139.79999999999995 m 383.5 139.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 152.79999999999995 m 440.5 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 139.79999999999995 m 440.5 139.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 152.79999999999995 m 444.5 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 139.79999999999995 m 444.5 139.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 152.79999999999995 m 501.5 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 139.79999999999995 m 501.5 139.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 152.79999999999995 m 505.5 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 139.79999999999995 m 505.5 139.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 152.79999999999995 m 562.5 152.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 139.79999999999995 m 562.5 139.79999999999995 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 623.18 Td (As of December) Tj ET Q q 0 0 0 rg BT 107.05 623.18 Td ( 31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 615.05 Td (\(Dollars ) Tj ET Q q 0 0 0 rg BT 81.21 615.05 Td (in ) Tj ET Q q 0 0 0 rg BT 89.44 615.05 Td (thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 221.25 623.05 Td (Non-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 217.95 615.05 Td (accrual) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.90 631.05 Td (90+ days) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.70 623.05 Td (and still) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.70 615.05 Td (accruing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.65 631.05 Td (60-89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.20 623.05 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.20 615.05 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.15 631.05 Td (30-59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.70 623.05 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.70 615.05 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.25 615.05 Td (Current) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.55 615.05 Td (Total Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 602.88 Td (Loan Balances:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 589.75 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 576.75 Td (Commercial and industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.00 576.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 576.03 Td (12,416) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.00 576.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.30 576.03 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.00 576.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 576.03 Td (6,749) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.00 576.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.30 576.03 Td (12,930) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.00 576.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.25 576.03 Td (2,819,253) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.00 576.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.25 576.03 Td (2,851,354) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 563.75 Td (Franchise) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 563.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 563.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 563.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 563.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 563.03 Td (245,228) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 563.03 Td (245,228) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 550.75 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 550.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 550.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 550.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 550.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 550.03 Td (222,806) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 550.03 Td (222,806) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 537.75 Td (Community Advantage homeowners) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 529.75 Td (association) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 529.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 529.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 529.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 529.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 529.03 Td (130,986) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 529.03 Td (130,986) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 516.75 Td (Aircraft) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 243.30 516.03 Td (288) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 516.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 516.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 516.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 480.30 516.03 Td (5,039) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 541.30 516.03 Td (5,327) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 503.75 Td (Asset-based lending) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 251.30 503.03 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 503.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 503.03 Td (3,864) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 503.03 Td (1,844) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 503.03 Td (736,968) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 503.03 Td (742,684) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 490.75 Td (Tax exempt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 490.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 490.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 490.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 490.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 490.03 Td (267,273) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 490.03 Td (267,273) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 477.75 Td (Leases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 477.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.30 477.03 Td (535) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 477.03 Td (748) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 477.03 Td (4,192) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 477.03 Td (220,599) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 477.03 Td (226,074) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 464.75 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 464.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 464.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 464.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 464.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 480.30 464.03 Td (3,588) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 541.30 464.03 Td (3,588) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 451.75 Td (PCI - commercial ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 117.87 455.38 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 451.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.30 451.03 Td (892) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 451.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 451.03 Td (2,510) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 451.03 Td (15,187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.30 451.03 Td (18,589) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 438.75 Td (Total commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.00 438.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 438.03 Td (12,712) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.00 438.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.30 438.03 Td (1,433) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.00 438.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 438.03 Td (11,361) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.00 438.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.30 438.03 Td (21,476) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.00 438.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.25 438.03 Td (4,666,927) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.00 438.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.25 438.03 Td (4,713,909) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 425.75 Td (Commercial real-estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 412.75 Td (Residential construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.00 412.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 243.30 412.03 Td (273) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.00 412.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 412.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.00 412.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 412.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.00 412.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 412.03 Td (45) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.00 412.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 412.03 Td (70,063) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.00 412.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.30 412.03 Td (70,381) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 399.75 Td (Commercial construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 399.03 Td (33) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 399.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 399.03 Td (1,371) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 399.03 Td (1,600) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 399.03 Td (285,275) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 399.03 Td (288,279) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 386.75 Td (Land) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 386.03 Td (1,751) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 386.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 386.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.30 386.03 Td (120) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 386.03 Td (76,546) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.30 386.03 Td (78,417) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 373.75 Td (Office) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 373.03 Td (4,619) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 373.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 373.03 Td (764) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 373.03 Td (3,817) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 373.03 Td (853,801) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 373.03 Td (863,001) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 360.75 Td (Industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 360.03 Td (9,564) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 360.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 360.03 Td (1,868) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 360.03 Td (1,009) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 360.03 Td (715,207) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 360.03 Td (727,648) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 347.75 Td (Retail) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 347.03 Td (1,760) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 347.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 347.03 Td (442) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 347.03 Td (2,310) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 347.03 Td (863,887) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 347.03 Td (868,399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 334.75 Td (Multi-family) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 334.03 Td (1,954) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 334.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 334.03 Td (597) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 334.03 Td (6,568) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 334.03 Td (733,230) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 334.03 Td (742,349) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 321.75 Td (Mixed use and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 321.03 Td (6,691) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 321.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 321.03 Td (6,723) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 321.03 Td (7,215) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.25 321.03 Td (1,712,187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.25 321.03 Td (1,732,816) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 308.75 Td (PCI - commercial real-estate ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 152.73 312.38 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 308.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.30 308.03 Td (22,111) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 308.03 Td (4,662) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.30 308.03 Td (16,559) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 308.03 Td (114,667) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 308.03 Td (157,999) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 295.75 Td (Total commercial real-estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.00 295.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 295.03 Td (26,645) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.00 295.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.30 295.03 Td (22,111) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.00 295.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 295.03 Td (16,427) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.00 295.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.30 295.03 Td (39,243) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.00 295.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.25 295.03 Td (5,424,863) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.00 295.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.25 295.03 Td (5,529,289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 282.75 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 282.03 Td (6,848) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 282.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 282.03 Td (1,889) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 282.03 Td (5,517) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 282.03 Td (770,421) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 282.03 Td (784,675) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 269.75 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 269.03 Td (12,043) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 269.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 269.03 Td (1,964) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 269.03 Td (3,824) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 269.03 Td (586,154) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 269.03 Td (603,985) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 256.05 Td (PCI - residential real estate) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 141.63 259.68 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 256.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.30 256.03 Td (488) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 256.03 Td (202) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 256.03 Td (79) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 480.30 256.03 Td (2,697) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 541.30 256.03 Td (3,466) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 243.75 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 230.75 Td (Commercial insurance loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 230.03 Td (14,561) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.30 230.03 Td (10,294) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 230.03 Td (6,624) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.30 230.03 Td (21,656) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.25 230.03 Td (2,321,786) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.25 230.03 Td (2,374,921) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 217.75 Td (Life insurance loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 217.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 217.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.30 217.03 Td (3,432) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.30 217.03 Td (11,140) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.25 217.03 Td (2,578,632) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.25 217.03 Td (2,593,204) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 204.75 Td (PCI - life insurance loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 142.31 208.38 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.30 204.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.30 204.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 204.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.30 204.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 204.03 Td (368,292) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 204.03 Td (368,292) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 191.75 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 243.30 191.03 Td (263) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.30 191.03 Td (211) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 191.03 Td (204) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 191.03 Td (1,187) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 191.03 Td (144,511) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 191.03 Td (146,376) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 178.75 Td (Total loans, net of unearned income,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 170.75 Td (excluding covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.00 170.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 170.03 Td (73,072) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.00 170.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.30 170.03 Td (34,537) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.00 170.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 170.03 Td (42,103) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.00 170.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.25 170.03 Td (104,122) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.00 170.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.25 170.03 Td (16,864,283) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.00 170.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.25 170.03 Td (17,118,117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 157.75 Td (Covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 157.03 Td (5,878) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.30 157.03 Td (7,335) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 157.03 Td (703) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.30 157.03 Td (5,774) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.25 157.03 Td (128,983) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 157.03 Td (148,673) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 144.75 Td (Total loans, net of unearned income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.00 144.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 144.03 Td (78,950) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.00 144.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.30 144.03 Td (41,872) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.00 144.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 144.03 Td (42,806) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.00 144.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.25 144.03 Td (109,896) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.00 144.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.25 144.03 Td (16,993,266) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.00 144.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.25 144.03 Td (17,266,790) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 128.30 Td (\(1\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 128.30 Td (PCI ) Tj ET Q q 0 0 0 rg BT 97.71 128.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.98 128.30 Td (r) Tj ET Q q 0 0 0 rg BT 123.15 128.30 Td (epr) Tj ET Q q 0 0 0 rg BT 134.81 128.30 Td (esent ) Tj ET Q q 0 0 0 rg BT 156.06 128.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 178.33 128.30 Td (acquir) Tj ET Q q 0 0 0 rg BT 201.49 128.30 Td (ed ) Tj ET Q q 0 0 0 rg BT 212.75 128.30 Td (with ) Tj ET Q q 0 0 0 rg BT 231.02 128.30 Td (evidence ) Tj ET Q q 0 0 0 rg BT 265.26 128.30 Td (of ) Tj ET Q q 0 0 0 rg BT 275.02 128.30 Td (cr) Tj ET Q q 0 0 0 rg BT 282.18 128.30 Td (edit ) Tj ET Q q 0 0 0 rg BT 298.44 128.30 Td (quality ) Tj ET Q q 0 0 0 rg BT 326.20 128.30 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 376.46 128.30 Td (since ) Tj ET Q q 0 0 0 rg BT 397.71 128.30 Td (origination, ) Tj ET Q q 0 0 0 rg BT 443.23 128.30 Td (in ) Tj ET Q q 0 0 0 rg BT 453.00 128.30 Td (accor) Tj ET Q q 0 0 0 rg BT 473.15 128.30 Td (dance ) Tj ET Q q 0 0 0 rg BT 497.41 128.30 Td (with ) Tj ET Q q 0 0 0 rg BT 515.47 128.30 Td (ASC ) Tj ET Q q 0 0 0 rg BT 534.24 128.30 Td (310-30. ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 117.50 Td (Loan ) Tj ET Q q 0 0 0 rg BT 101.21 117.50 Td (agings ) Tj ET Q q 0 0 0 rg BT 127.46 117.50 Td (ar) Tj ET Q q 0 0 0 rg BT 135.13 117.50 Td (e ) Tj ET Q q 0 0 0 rg BT 141.37 117.50 Td (based ) Tj ET Q q 0 0 0 rg BT 164.62 117.50 Td (upon ) Tj ET Q q 0 0 0 rg BT 184.87 117.50 Td (contractually ) Tj ET Q q 0 0 0 rg BT 235.11 117.50 Td (r) Tj ET Q q 0 0 0 rg BT 238.28 117.50 Td (equir) Tj ET Q q 0 0 0 rg BT 256.94 117.50 Td (ed ) Tj ET Q q 0 0 0 rg BT 267.68 117.50 Td (payments.) 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 466.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 466.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 466.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 440.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 440.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 440.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 440.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 440.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 440.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 440.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 440.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 440.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 440.50 4.00 -13.00 re f /GS0 gs 0.8 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[] 0 d 0 J 0 j 3 M 318.5 721.5 m 322.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 748.5 m 378.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 721.5 m 378.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 748.5 m 382.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 721.5 m 382.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 748.5 m 439.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 721.5 m 439.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 748.5 m 443.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 721.5 m 443.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 748.5 m 500.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 721.5 m 500.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 748.5 m 504.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 721.5 m 504.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 748.5 m 561.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 721.5 m 561.5 721.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 557.5 m 257.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 544.5 m 257.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 557.5 m 261.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 544.5 m 261.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 557.5 m 318.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 544.5 m 318.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 557.5 m 322.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 544.5 m 322.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 557.5 m 378.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 544.5 m 378.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 557.5 m 382.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 544.5 m 382.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 557.5 m 439.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 544.5 m 439.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 557.5 m 443.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 544.5 m 443.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 557.5 m 500.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 544.5 m 500.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 557.5 m 504.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 544.5 m 504.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 557.5 m 561.5 557.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 544.5 m 561.5 544.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 414.5 m 257.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 401.5 m 257.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 414.5 m 261.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 401.5 m 261.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 414.5 m 318.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 401.5 m 318.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 414.5 m 322.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 401.5 m 322.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 414.5 m 378.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 401.5 m 378.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 414.5 m 382.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 401.5 m 382.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 414.5 m 439.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 401.5 m 439.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 414.5 m 443.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 401.5 m 443.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 414.5 m 500.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 401.5 m 500.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 414.5 m 504.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 401.5 m 504.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 414.5 m 561.5 414.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 401.5 m 561.5 401.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 297.5 m 257.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 297.5 m 261.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 297.5 m 318.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 297.5 m 322.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 297.5 m 378.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 297.5 m 382.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 297.5 m 439.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 297.5 m 443.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 297.5 m 500.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 297.5 m 504.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 297.5 m 561.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 297.5 m 257.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 297.5 m 261.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 297.5 m 318.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 297.5 m 322.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 297.5 m 378.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 297.5 m 382.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 297.5 m 439.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 297.5 m 443.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 297.5 m 500.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 297.5 m 504.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 297.5 m 561.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 250.5 m 196.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 250.5 m 200.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 263.5 m 257.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 250.5 m 257.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 263.5 m 261.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 250.5 m 261.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 263.5 m 318.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 250.5 m 318.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 263.5 m 322.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 250.5 m 322.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 263.5 m 378.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 250.5 m 378.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 263.5 m 382.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 250.5 m 382.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 263.5 m 439.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 250.5 m 439.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 263.5 m 443.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 250.5 m 443.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 263.5 m 500.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 250.5 m 500.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 263.5 m 504.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 250.5 m 504.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 263.5 m 561.5 263.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 250.5 m 561.5 250.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 733.73 Td (As of December) Tj ET Q q 0 0 0 rg BT 106.05 733.73 Td ( 31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.25 733.75 Td (Non-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.95 725.75 Td (accrual) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.90 740.45 Td (90+ days) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.70 732.45 Td (and still) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.70 724.45 Td (accruing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.65 740.45 Td (60-89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.20 732.45 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.20 724.45 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.15 740.45 Td (30-59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 395.70 732.45 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.70 724.45 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 725.75 Td (Current) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.55 725.75 Td (Total Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 713.58 Td (Aging as a % of Loan Balance:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 700.45 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 687.45 Td (Commercial and industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 686.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.00 686.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 686.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.00 686.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 686.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.00 686.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 686.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.00 686.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 686.73 Td (98.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.00 686.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 686.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.00 686.73 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 674.45 Td (Franchise) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 673.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 673.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 673.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 673.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.00 673.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 673.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 661.45 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 660.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 660.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 660.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 660.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.00 660.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 660.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 648.45 Td (Community Advantage homeowners) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 640.45 Td (association) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 639.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 639.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 639.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 639.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.00 639.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 639.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 627.45 Td (Aircraft) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 626.73 Td (5.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 626.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 626.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 626.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 626.73 Td (94.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 626.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 614.45 Td (Asset-based lending) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 613.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 613.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 613.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 613.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 613.73 Td (99.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 613.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 601.45 Td (Tax exempt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 600.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 600.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 600.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 600.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.00 600.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 600.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 588.45 Td (Leases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 587.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 587.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 587.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 587.73 Td (1.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 587.73 Td (97.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 587.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 575.45 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 574.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 574.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 574.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 574.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.00 574.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 574.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 562.45 Td (PCI - commercial ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 116.87 566.08 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 561.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 561.73 Td (4.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 561.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.00 561.73 Td (13.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 561.73 Td (81.7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 561.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 549.45 Td (Total commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 548.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.00 548.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 548.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.00 548.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 548.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.00 548.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 548.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.00 548.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 548.73 Td (99.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.00 548.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 548.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.00 548.73 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 536.45 Td (Commercial real estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 523.45 Td (Residential construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 522.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.00 522.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 522.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.00 522.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 522.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.00 522.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 522.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.00 522.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 522.73 Td (99.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.00 522.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 522.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.00 522.73 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 510.45 Td (Commercial construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 509.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 509.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 509.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 509.73 Td (0.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 509.73 Td (98.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 509.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 497.45 Td (Land) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 496.73 Td (2.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 496.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 496.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 496.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 496.73 Td (97.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 496.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 484.45 Td (Office) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 483.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 483.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 483.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 483.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 483.73 Td (99.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 483.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 471.45 Td (Industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 470.73 Td (1.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 470.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 470.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 470.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 470.73 Td (98.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 470.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 458.45 Td (Retail) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 457.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 457.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 457.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 457.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 457.73 Td (99.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 457.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 445.45 Td (Multi-family) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 444.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 444.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 444.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 444.73 Td (0.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 444.73 Td (98.7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 444.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 432.45 Td (Mixed use and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 431.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 431.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 431.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 431.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 431.73 Td (98.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 431.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 419.45 Td (PCI - commercial real-estate ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 151.73 423.08 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 418.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 296.00 418.73 Td (14.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 418.73 Td (3.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.00 418.73 Td (10.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 418.73 Td (72.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 418.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 406.45 Td (Total commercial real-estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 405.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.00 405.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 405.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.00 405.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 405.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.00 405.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 405.73 Td (0.7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.00 405.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 405.73 Td (98.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.00 405.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 405.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.00 405.73 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 393.45 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 392.73 Td (0.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 392.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 392.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 392.73 Td (0.7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 392.73 Td (98.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 392.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 380.45 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 379.73 Td (2.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 379.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 379.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 379.73 Td (0.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 379.73 Td (97.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 379.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 366.75 Td (PCI - residential real estate) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 140.63 370.38 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 366.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 296.00 366.73 Td (14.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 366.73 Td (5.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 366.73 Td (2.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 366.73 Td (77.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 366.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 354.45 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 341.45 Td (Commercial insurance loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 340.73 Td (0.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 340.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 340.73 Td (0.3) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 340.73 Td (0.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 340.73 Td (97.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 340.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 328.45 Td (Life insurance loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 327.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 327.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 327.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 327.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 327.73 Td (99.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 327.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 315.45 Td (PCI - life insurance loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 141.31 319.08 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.00 314.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 302.00 314.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.00 314.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.00 314.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.00 314.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 314.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 302.45 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 301.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 301.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 301.73 Td (0.1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 301.73 Td (0.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 301.73 Td (98.8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 301.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 289.45 Td (Total loans, net of unearned income,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 281.45 Td (excluding covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 280.73 Td (0.4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.00 280.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 280.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.00 280.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 280.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.00 280.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 280.73 Td (0.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.00 280.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 280.73 Td (98.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.00 280.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 280.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.00 280.73 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 268.45 Td (Covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 267.73 Td (4.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 267.73 Td (4.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 267.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 267.73 Td (3.9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 267.73 Td (86.7) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 267.73 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 255.45 Td (Total loans, net of unearned income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.00 254.73 Td (0.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.00 254.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.00 254.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.00 254.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.00 254.73 Td (0.2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.00 254.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 254.73 Td (0.6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.00 254.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.00 254.73 Td (98.5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.00 254.73 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.00 254.73 Td (100.0) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 553.00 254.73 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 239.00 Td (\(1\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 239.00 Td (PCI ) Tj ET Q q 0 0 0 rg BT 97.71 239.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.98 239.00 Td (r) Tj ET Q q 0 0 0 rg BT 123.15 239.00 Td (epr) Tj ET Q q 0 0 0 rg BT 134.81 239.00 Td (esent ) Tj ET Q q 0 0 0 rg BT 156.06 239.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 178.33 239.00 Td (acquir) Tj ET Q q 0 0 0 rg BT 201.49 239.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 212.75 239.00 Td (with ) Tj ET Q q 0 0 0 rg BT 231.02 239.00 Td (evidence ) Tj ET Q q 0 0 0 rg BT 265.26 239.00 Td (of ) Tj ET Q q 0 0 0 rg BT 275.02 239.00 Td (cr) Tj ET Q q 0 0 0 rg BT 282.18 239.00 Td (edit ) Tj ET Q q 0 0 0 rg BT 298.44 239.00 Td (quality ) Tj ET Q q 0 0 0 rg BT 326.20 239.00 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 376.46 239.00 Td (since ) Tj ET Q q 0 0 0 rg BT 397.71 239.00 Td (origination, ) Tj ET Q q 0 0 0 rg BT 443.23 239.00 Td (in ) Tj ET Q q 0 0 0 rg BT 453.00 239.00 Td (accor) Tj ET Q q 0 0 0 rg BT 473.15 239.00 Td (dance ) Tj ET Q q 0 0 0 rg BT 497.41 239.00 Td (with ) Tj ET Q q 0 0 0 rg BT 515.47 239.00 Td (ASC ) Tj ET Q q 0 0 0 rg BT 534.24 239.00 Td (310-30. ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 228.20 Td (Loan ) Tj ET Q q 0 0 0 rg BT 101.21 228.20 Td (agings ) Tj ET Q q 0 0 0 rg BT 127.46 228.20 Td (ar) Tj ET Q q 0 0 0 rg BT 135.13 228.20 Td (e ) Tj ET Q q 0 0 0 rg BT 141.37 228.20 Td (based ) Tj ET Q q 0 0 0 rg BT 164.62 228.20 Td (upon ) Tj ET Q q 0 0 0 rg BT 184.87 228.20 Td (contractually ) Tj ET Q q 0 0 0 rg BT 235.11 228.20 Td (r) Tj ET Q q 0 0 0 rg BT 238.28 228.20 Td (equir) Tj ET Q q 0 0 0 rg BT 256.94 228.20 Td (ed ) Tj ET Q q 0 0 0 rg BT 267.68 228.20 Td (payments.) Tj ET Q endstream endobj 163 0 obj <> endobj 164 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (81) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 706.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 706.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 706.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 706.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 706.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 706.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 706.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 706.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 706.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 706.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 706.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 706.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 706.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 680.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 680.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 680.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 680.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 680.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 680.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 680.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 680.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 680.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 680.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 680.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 680.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 680.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 654.50 147.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 654.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 654.50 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 654.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 654.50 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 654.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 654.50 56.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 654.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 654.50 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 654.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 654.50 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 654.50 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 654.50 57.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 620.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 620.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 620.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 620.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 620.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 620.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 620.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 620.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 620.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 620.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 620.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 620.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 620.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 594.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 594.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 594.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 594.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 594.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 594.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 594.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 594.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 594.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 594.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 594.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 594.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 594.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 568.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 568.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 568.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 568.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 568.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 568.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 568.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 568.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 568.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 568.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 568.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 568.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 568.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 542.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 542.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 542.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 542.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 542.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 542.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 542.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 542.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 542.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 542.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 542.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 542.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 542.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 516.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 516.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 516.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 516.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 516.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 516.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 516.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 516.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 516.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 516.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 516.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 516.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 516.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 490.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 490.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 490.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 490.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 490.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 490.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 490.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 490.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 490.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 490.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 490.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 490.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 490.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 464.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 464.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 464.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 464.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 464.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 464.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 464.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 464.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 464.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 464.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 464.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 464.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 464.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 438.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 438.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 438.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 438.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 438.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 438.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 438.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 438.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 438.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 438.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 438.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 438.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 438.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 412.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 412.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 412.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 412.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 412.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 412.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 412.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 412.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 412.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 412.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 412.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 412.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 412.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 386.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 386.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 386.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 386.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 386.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 386.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 386.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 386.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 386.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 386.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 386.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 386.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 386.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 360.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 360.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 360.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 360.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 360.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 360.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 360.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 360.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 360.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 360.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 360.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 360.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 360.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 334.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 334.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 334.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 334.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 334.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 334.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 334.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 334.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 334.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 334.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 334.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 334.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 334.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 308.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 308.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 308.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 308.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 308.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 308.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 308.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 308.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 308.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 308.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 308.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 308.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 308.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 274.50 147.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 274.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 274.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 274.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 274.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 274.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 274.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 274.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 274.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.50 274.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 274.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 274.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 274.50 57.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 748.5 m 197.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 719.5 m 197.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 748.5 m 201.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 719.5 m 201.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 748.5 m 258.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 719.5 m 258.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 748.5 m 262.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 719.5 m 262.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 748.5 m 319.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 719.5 m 319.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 748.5 m 323.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 719.5 m 323.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 748.5 m 379.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 719.5 m 379.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 748.5 m 383.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 719.5 m 383.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 748.5 m 440.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 719.5 m 440.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 748.5 m 444.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 719.5 m 444.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 748.5 m 501.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 719.5 m 501.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 748.5 m 505.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 719.5 m 505.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 748.5 m 562.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 719.5 m 562.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 555.5 m 258.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 542.5 m 258.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 555.5 m 262.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 542.5 m 262.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 555.5 m 319.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 542.5 m 319.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 555.5 m 323.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 542.5 m 323.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 555.5 m 379.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 542.5 m 379.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 555.5 m 383.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 542.5 m 383.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 555.5 m 440.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 542.5 m 440.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 555.5 m 444.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 542.5 m 444.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 555.5 m 501.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 542.5 m 501.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 555.5 m 505.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 542.5 m 505.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 555.5 m 562.5 555.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 542.5 m 562.5 542.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 412.5 m 258.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 399.5 m 258.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 412.5 m 262.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 399.5 m 262.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 412.5 m 319.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 399.5 m 319.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 412.5 m 323.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 399.5 m 323.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 412.5 m 379.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 399.5 m 379.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 412.5 m 383.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 399.5 m 383.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 412.5 m 440.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 399.5 m 440.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 412.5 m 444.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 399.5 m 444.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 412.5 m 501.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 399.5 m 501.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 412.5 m 505.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 399.5 m 505.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 412.5 m 562.5 412.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 399.5 m 562.5 399.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 295.5 m 258.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 295.5 m 262.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 295.5 m 319.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 295.5 m 323.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 295.5 m 379.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 295.5 m 383.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 295.5 m 440.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 295.5 m 444.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 295.5 m 501.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 295.5 m 505.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 295.5 m 562.5 295.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 248.5 m 197.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 248.5 m 201.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 261.5 m 258.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 248.5 m 258.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 261.5 m 262.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 248.5 m 262.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 261.5 m 319.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 248.5 m 319.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 261.5 m 323.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 248.5 m 323.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 261.5 m 379.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 248.5 m 379.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 261.5 m 383.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 248.5 m 383.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 261.5 m 440.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 248.5 m 440.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 261.5 m 444.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440.5 248.5 m 444.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 261.5 m 501.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 248.5 m 501.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 261.5 m 505.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 248.5 m 505.5 248.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 261.5 m 562.5 261.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 248.5 m 562.5 248.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 731.88 Td (As of December) Tj ET Q q 0 0 0 rg BT 107.05 731.88 Td (31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 723.75 Td (\(Dollars ) Tj ET Q q 0 0 0 rg BT 81.21 723.75 Td (in ) Tj ET Q q 0 0 0 rg BT 89.44 723.75 Td (thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 211.05 723.75 Td (Nonaccrual) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.90 739.75 Td (90+ days) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.70 731.75 Td (and still) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.70 723.75 Td (accruing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.65 739.75 Td (60-89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.20 731.75 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.20 723.75 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.15 739.75 Td (30-59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 396.70 731.75 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.70 723.75 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.25 723.75 Td (Current) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.55 723.75 Td (Total Loans) Tj ET Q BT /F2 8.00 Tf ET 0 0 0 RG /GS0 gs 0.76 w 0 i [] 0 d 1 J 1 j 3 M 53 710.330078125 m 105.671875 710.330078125 l s q 0 0 0 rg BT 53.00 711.58 Td (Loan Balances:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 698.45 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 685.45 Td (Commercial and industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.00 684.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 684.75 Td (9,132) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.00 684.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 684.75 Td (474) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 684.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 684.75 Td (3,161) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.00 684.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 684.75 Td (7,492) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 684.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.25 684.75 Td (2,194,221) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.00 684.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 684.75 Td (2,214,480) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 672.45 Td (Franchise) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 671.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 671.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 671.75 Td (308) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 671.75 Td (1,219) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 671.75 Td (250,673) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 671.75 Td (252,200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 659.45 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 658.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 658.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 658.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 658.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 658.75 Td (139,003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 658.75 Td (139,003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 646.45 Td (Community Advantage homeowners) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 638.45 Td (association) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 637.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 637.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 637.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 637.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 637.75 Td (106,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 637.75 Td (106,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 625.45 Td (Aircraft) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 624.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 624.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 624.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 624.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 624.75 Td (8,065) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 624.75 Td (8,065) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 612.45 Td (Asset-based lending) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 611.75 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 611.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 611.75 Td (1,375) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 611.75 Td (2,394) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 611.75 Td (802,608) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 611.75 Td (806,402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 599.45 Td (Tax exempt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 598.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 598.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 598.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 598.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 598.75 Td (217,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 598.75 Td (217,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 586.45 Td (Leases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 585.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 585.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 585.75 Td (77) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 585.75 Td (315) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 585.75 Td (159,744) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 585.75 Td (160,136) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 573.45 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 572.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 572.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 572.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 572.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 572.75 Td (11,034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 572.75 Td (11,034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 560.45 Td (PCI - commercial ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 117.87 564.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 559.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 559.75 Td (365) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 559.75 Td (202) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 559.75 Td (138) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 559.75 Td (8,518) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 559.75 Td (9,223) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 547.45 Td (Total commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.00 546.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 546.75 Td (9,157) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.00 546.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 546.75 Td (839) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 546.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 546.75 Td (5,123) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.00 546.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 546.75 Td (11,558) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 546.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.25 546.75 Td (3,897,717) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.00 546.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 546.75 Td (3,924,394) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 534.45 Td (Commercial real-estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 521.45 Td (Residential construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.00 520.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 520.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.00 520.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 520.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 520.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 520.75 Td (250) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.00 520.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 520.75 Td (76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 520.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 520.75 Td (38,370) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.00 520.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 520.75 Td (38,696) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 508.45 Td (Commercial construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.30 507.75 Td (230) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 507.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 507.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 507.75 Td (2,023) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 507.75 Td (185,513) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 507.75 Td (187,766) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 495.45 Td (Land) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 494.75 Td (2,656) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 494.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 494.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 494.75 Td (2,395) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 494.75 Td (86,779) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 494.75 Td (91,830) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 482.45 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 481.75 Td (7,288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 481.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 481.75 Td (2,621) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 481.75 Td (1,374) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 481.75 Td (694,149) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 481.75 Td (705,432) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 469.45 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 468.75 Td (2,392) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 468.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 468.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 468.75 Td (3,758) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 468.75 Td (617,820) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 468.75 Td (623,970) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 456.45 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 455.75 Td (4,152) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 455.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 455.75 Td (116) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 455.75 Td (3,301) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 455.75 Td (723,919) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 455.75 Td (731,488) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 443.45 Td (Multi-family) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.30 442.75 Td (249) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 442.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 442.75 Td (249) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 442.75 Td (1,921) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 442.75 Td (603,323) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 442.75 Td (605,742) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 430.45 Td (Mixed use and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 429.75 Td (9,638) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 429.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 429.75 Td (2,603) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 429.75 Td (9,023) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.25 429.75 Td (1,443,853) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 429.75 Td (1,465,117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 417.45 Td (PCI - commercial real-estate ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 152.73 421.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 416.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.30 416.75 Td (10,976) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 416.75 Td (6,393) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 416.75 Td (4,016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 416.75 Td (34,327) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 416.75 Td (55,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 404.45 Td (Total commercial real-estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.30 403.75 Td (26,605) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.30 403.75 Td (10,976) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 403.75 Td (12,232) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 403.75 Td (27,887) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.25 403.75 Td (4,428,053) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.00 403.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 403.75 Td (4,505,753) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 391.45 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 390.75 Td (6,174) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 390.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 390.75 Td (983) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 390.75 Td (3,513) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 390.75 Td (705,623) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 390.75 Td (716,293) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 378.45 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.30 377.75 Td (15,502) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 377.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 377.75 Td (267) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 377.75 Td (6,315) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 377.75 Td (459,224) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 377.75 Td (481,308) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 364.75 Td (PCI - residential real estate) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 141.63 368.38 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 364.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 364.75 Td (549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 364.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 364.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 364.75 Td (1,685) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 364.75 Td (2,234) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 352.45 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 339.45 Td (Commercial insurance loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.30 338.75 Td (12,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.30 338.75 Td (7,665) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 338.75 Td (5,995) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 338.75 Td (17,328) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.25 338.75 Td (2,307,140) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 338.75 Td (2,350,833) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 326.45 Td (Life insurance loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 325.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 325.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 325.75 Td (13,084) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 325.75 Td (339) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.25 325.75 Td (1,870,669) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 325.75 Td (1,884,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 313.45 Td (PCI - life insurance loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 142.31 317.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 312.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.30 312.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 368.30 312.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 312.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 312.75 Td (393,479) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 312.75 Td (393,479) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 300.45 Td (Consumer and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.30 299.75 Td (277) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 299.75 Td (119) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.30 299.75 Td (293) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 299.75 Td (838) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 299.75 Td (149,485) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 299.75 Td (151,012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 287.45 Td (Total loans, net of unearned income,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 279.45 Td (excluding covered loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.00 278.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.30 278.75 Td (70,420) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.00 278.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.30 278.75 Td (20,148) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 278.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 278.75 Td (37,977) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.00 278.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 278.75 Td (67,778) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 278.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.25 278.75 Td (14,213,075) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.00 278.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 278.75 Td (14,409,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 266.45 Td (Covered loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.30 265.75 Td (7,290) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.30 265.75 Td (17,839) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.30 265.75 Td (1,304) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.30 265.75 Td (4,835) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 265.75 Td (195,441) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 265.75 Td (226,709) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 253.45 Td (Total loans, net of unearned income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 204.00 252.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.30 252.75 Td (77,710) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.00 252.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.30 252.75 Td (37,987) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.00 252.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 354.30 252.75 Td (39,281) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.00 252.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 252.75 Td (72,613) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 252.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.25 252.75 Td (14,408,516) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.00 252.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 252.75 Td (14,636,107) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 237.00 Td (\(1\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 237.00 Td (PCI ) Tj ET Q q 0 0 0 rg BT 97.71 237.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.98 237.00 Td (r) Tj ET Q q 0 0 0 rg BT 123.15 237.00 Td (epr) Tj ET Q q 0 0 0 rg BT 134.81 237.00 Td (esent ) Tj ET Q q 0 0 0 rg BT 156.06 237.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 178.33 237.00 Td (acquir) Tj ET Q q 0 0 0 rg BT 201.49 237.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 212.75 237.00 Td (with ) Tj ET Q q 0 0 0 rg BT 231.02 237.00 Td (evidence ) Tj ET Q q 0 0 0 rg BT 265.26 237.00 Td (of ) Tj ET Q q 0 0 0 rg BT 275.02 237.00 Td (cr) Tj ET Q q 0 0 0 rg BT 282.18 237.00 Td (edit ) Tj ET Q q 0 0 0 rg BT 298.44 237.00 Td (quality ) Tj ET Q q 0 0 0 rg BT 326.20 237.00 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 376.46 237.00 Td (since ) Tj ET Q q 0 0 0 rg BT 397.71 237.00 Td (origination, ) Tj ET Q q 0 0 0 rg BT 443.23 237.00 Td (in ) Tj ET Q q 0 0 0 rg BT 453.00 237.00 Td (accor) Tj ET Q q 0 0 0 rg BT 473.15 237.00 Td (dance ) Tj ET Q q 0 0 0 rg BT 497.41 237.00 Td (with ) Tj ET Q q 0 0 0 rg BT 515.47 237.00 Td (ASC ) Tj ET Q q 0 0 0 rg BT 534.24 237.00 Td (310-30. ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 226.20 Td (Loan ) Tj ET Q q 0 0 0 rg BT 101.21 226.20 Td (agings ) Tj ET Q q 0 0 0 rg BT 127.46 226.20 Td (ar) Tj ET Q q 0 0 0 rg BT 135.13 226.20 Td (e ) Tj ET Q q 0 0 0 rg BT 141.37 226.20 Td (based ) Tj ET Q q 0 0 0 rg BT 164.62 226.20 Td (upon ) Tj ET Q q 0 0 0 rg BT 184.87 226.20 Td (contractually ) Tj ET Q q 0 0 0 rg BT 235.11 226.20 Td (r) Tj ET Q q 0 0 0 rg BT 238.28 226.20 Td (equir) Tj ET Q q 0 0 0 rg BT 256.94 226.20 Td (ed ) Tj ET Q q 0 0 0 rg BT 267.68 226.20 Td (payments.) 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 372.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 372.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 347.50 147.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 347.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 347.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 347.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 347.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 347.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 347.50 56.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 347.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 347.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 347.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 347.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 347.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 347.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 315.50 147.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.50 315.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.50 315.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.50 315.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 315.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.50 315.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.50 315.50 56.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 315.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 315.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 315.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 315.50 57.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 315.50 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 315.50 57.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 748.5 m 196.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 723.5 m 196.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 748.5 m 200.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 723.5 m 200.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 748.5 m 257.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 723.5 m 257.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 748.5 m 261.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 723.5 m 261.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 748.5 m 318.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 723.5 m 318.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 748.5 m 322.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 723.5 m 322.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 748.5 m 378.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 723.5 m 378.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 748.5 m 382.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 723.5 m 382.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 748.5 m 439.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 723.5 m 439.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 748.5 m 443.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 723.5 m 443.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 748.5 m 500.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 723.5 m 500.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 748.5 m 504.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 723.5 m 504.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 748.5 m 561.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 723.5 m 561.5 723.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 574.5 m 257.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 562.5 m 257.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 574.5 m 261.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 562.5 m 261.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 574.5 m 318.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 562.5 m 318.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 574.5 m 322.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 562.5 m 322.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 574.5 m 378.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 562.5 m 378.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 574.5 m 382.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 562.5 m 382.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 574.5 m 439.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 562.5 m 439.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 574.5 m 443.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 562.5 m 443.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 574.5 m 500.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 562.5 m 500.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 574.5 m 504.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 562.5 m 504.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 574.5 m 561.5 574.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 562.5 m 561.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 443.5 m 257.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 431.5 m 257.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 443.5 m 261.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 431.5 m 261.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 443.5 m 318.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 431.5 m 318.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 443.5 m 322.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 431.5 m 322.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 443.5 m 378.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 431.5 m 378.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 443.5 m 382.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 431.5 m 382.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 443.5 m 439.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 431.5 m 439.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 443.5 m 443.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 431.5 m 443.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 443.5 m 500.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 431.5 m 500.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 443.5 m 504.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 431.5 m 504.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 443.5 m 561.5 443.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 431.5 m 561.5 431.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 335.5 m 257.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 335.5 m 261.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 335.5 m 318.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 335.5 m 322.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 335.5 m 378.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 335.5 m 382.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 335.5 m 439.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 335.5 m 443.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 335.5 m 500.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 335.5 m 504.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 335.5 m 561.5 335.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 291.5 m 196.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196.5 291.5 m 200.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 303.5 m 257.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200.5 291.5 m 257.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 303.5 m 261.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257.5 291.5 m 261.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 303.5 m 318.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 291.5 m 318.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 303.5 m 322.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 318.5 291.5 m 322.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 303.5 m 378.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322.5 291.5 m 378.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 303.5 m 382.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 291.5 m 382.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 303.5 m 439.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 291.5 m 439.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 303.5 m 443.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 291.5 m 443.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 303.5 m 500.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 291.5 m 500.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 303.5 m 504.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 291.5 m 504.5 291.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 303.5 m 561.5 303.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 291.5 m 561.5 291.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 735.73 Td (As of December) Tj ET Q q 0 0 0 rg BT 106.05 735.73 Td (31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.05 727.75 Td (Nonaccrual) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.90 740.45 Td (90+ days) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.70 732.45 Td (and still) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.70 724.50 Td (accruing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.65 740.45 Td (60-89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.20 732.45 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.20 724.50 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.15 740.45 Td (30-59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 395.70 732.45 Td (days past) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.70 724.50 Td (due) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 727.75 Td (Current) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.55 727.75 Td (Total Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 715.58 Td (Aging as a % of Loan Balance:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 704.50 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 694.45 Td (Commercial and industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 694.45 Td (0.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 694.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 694.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.30 694.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 694.45 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.30 694.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 694.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.30 694.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 694.45 Td (99.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 694.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 694.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.30 694.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 682.45 Td (Franchise) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 682.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 682.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 682.45 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 682.45 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 682.45 Td (99.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 682.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 670.45 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 670.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 670.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 670.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 670.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.30 670.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 670.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 658.45 Td (Community Advantage homeowners) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 650.45 Td (association) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 650.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 650.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 650.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 650.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.30 650.75 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 650.75 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 638.45 Td (Aircraft) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 638.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 638.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 638.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 638.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.30 638.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 638.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 626.45 Td (Asset-based lending) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 626.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 626.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 626.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 626.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 626.45 Td (99.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 626.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 614.45 Td (Tax exempt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 614.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 614.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 614.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 614.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.30 614.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 614.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 602.45 Td (Leases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 602.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 602.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 602.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 602.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 602.45 Td (99.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 602.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 590.45 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 590.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 590.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 590.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 590.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.30 590.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 590.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 578.45 Td (PCI - commercial ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 116.87 582.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 578.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 578.45 Td (4.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 578.45 Td (2.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 578.45 Td (1.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 578.45 Td (92.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 578.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 566.45 Td (Total commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 566.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 566.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 566.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.30 566.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 566.45 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.30 566.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 566.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.30 566.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 566.45 Td (99.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 566.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 566.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.30 566.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 554.50 Td (Commercial real-estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 544.45 Td (Residential construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 544.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 544.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 544.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.30 544.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 544.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.30 544.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 544.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.30 544.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 544.45 Td (99.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 544.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 544.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.30 544.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 532.45 Td (Commercial construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 532.45 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 532.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 532.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 532.45 Td (1.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 532.45 Td (98.8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 532.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 520.45 Td (Land) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 520.45 Td (2.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 520.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 520.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 520.45 Td (2.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 520.45 Td (94.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 520.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 508.45 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 508.45 Td (1.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 508.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 508.45 Td (0.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 508.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 508.45 Td (98.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 508.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 496.45 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 496.45 Td (0.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 496.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 496.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 496.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 496.45 Td (99.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 496.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 484.45 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 484.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 484.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 484.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 484.45 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 484.45 Td (98.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 484.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 472.45 Td (Multi-family) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 472.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 472.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 472.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 472.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 472.45 Td (99.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 472.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 460.45 Td (Mixed use and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 460.45 Td (0.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 460.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 460.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 460.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 460.45 Td (98.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 460.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 448.45 Td (PCI - commercial real-estate ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 151.73 452.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 447.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.30 447.75 Td (19.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.30 447.75 Td (11.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 447.75 Td (7.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 447.75 Td (61.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 447.75 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 435.45 Td (Total commercial real-estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 435.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 435.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 435.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.30 435.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 435.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.30 435.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 435.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.30 435.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 435.45 Td (98.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 435.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 435.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.30 435.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 423.45 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 423.45 Td (0.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 423.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 423.45 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 423.45 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 423.45 Td (98.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 423.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 411.45 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 411.45 Td (3.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 411.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 411.45 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 411.45 Td (1.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 411.45 Td (95.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 411.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 398.75 Td (PCI - residential real estate) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 140.63 402.38 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 398.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.30 398.75 Td (24.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 398.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 398.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 398.75 Td (75.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 398.75 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 386.50 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 376.45 Td (Commercial insurance loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 376.45 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 376.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 376.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 376.45 Td (0.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 376.45 Td (98.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 376.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 364.45 Td (Life insurance loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 364.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 364.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 364.45 Td (0.7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 364.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 364.45 Td (99.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 364.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.00 352.45 Td (PCI - life insurance loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 141.31 356.08 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.30 351.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.30 351.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 363.30 351.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.30 351.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.30 351.75 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 351.75 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 339.45 Td (Consumer and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 339.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 339.45 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 339.45 Td (0.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 339.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 339.45 Td (98.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 339.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 327.45 Td (Total loans, net of unearned income,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 319.45 Td (excluding covered loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 319.75 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 319.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 319.75 Td (0.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.30 319.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 319.75 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.30 319.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 319.75 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.30 319.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 319.75 Td (98.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 319.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 319.75 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.30 319.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 307.45 Td (Covered loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 307.45 Td (3.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 307.45 Td (7.9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 307.45 Td (0.6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 307.45 Td (2.1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 307.45 Td (86.2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 307.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 70.00 295.45 Td (Total loans, net of unearned income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.30 295.45 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 295.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 295.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 311.30 295.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.30 295.45 Td (0.3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.30 295.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 295.45 Td (0.5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.30 295.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 295.45 Td (98.4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 295.45 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 295.45 Td (100.0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.30 295.45 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 280.00 Td (\(1\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 280.00 Td (PCI ) Tj ET Q q 0 0 0 rg BT 97.71 280.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.98 280.00 Td (r) Tj ET Q q 0 0 0 rg BT 123.15 280.00 Td (epr) Tj ET Q q 0 0 0 rg BT 134.81 280.00 Td (esent ) Tj ET Q q 0 0 0 rg BT 156.06 280.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 178.33 280.00 Td (acquir) Tj ET Q q 0 0 0 rg BT 201.49 280.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 212.75 280.00 Td (with ) Tj ET Q q 0 0 0 rg BT 231.02 280.00 Td (evidence ) Tj ET Q q 0 0 0 rg BT 265.26 280.00 Td (of ) Tj ET Q q 0 0 0 rg BT 275.02 280.00 Td (cr) Tj ET Q q 0 0 0 rg BT 282.18 280.00 Td (edit ) Tj ET Q q 0 0 0 rg BT 298.44 280.00 Td (quality ) Tj ET Q q 0 0 0 rg BT 326.20 280.00 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 376.46 280.00 Td (since ) Tj ET Q q 0 0 0 rg BT 397.71 280.00 Td (origination, ) Tj ET Q q 0 0 0 rg BT 443.23 280.00 Td (in ) Tj ET Q q 0 0 0 rg BT 453.00 280.00 Td (accor) Tj ET Q q 0 0 0 rg BT 473.15 280.00 Td (dance ) Tj ET Q q 0 0 0 rg BT 497.41 280.00 Td (with ) Tj ET Q q 0 0 0 rg BT 515.47 280.00 Td (ASC ) Tj ET Q q 0 0 0 rg BT 534.24 280.00 Td (310-30. ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 80.45 269.20 Td (Loan ) Tj ET Q q 0 0 0 rg BT 101.21 269.20 Td (agings ) Tj ET Q q 0 0 0 rg BT 127.46 269.20 Td (ar) Tj ET Q q 0 0 0 rg BT 135.13 269.20 Td (e ) Tj ET Q q 0 0 0 rg BT 141.37 269.20 Td (based ) Tj ET Q q 0 0 0 rg BT 164.62 269.20 Td (upon ) Tj ET Q q 0 0 0 rg BT 184.87 269.20 Td (contractually ) Tj ET Q q 0 0 0 rg BT 235.11 269.20 Td (r) Tj ET Q q 0 0 0 rg BT 238.28 269.20 Td (equir) Tj ET Q q 0 0 0 rg BT 256.94 269.20 Td (ed ) Tj ET Q q 0 0 0 rg BT 267.68 269.20 Td (payments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.20 Td (As ) Tj ET Q q 0 0 0 rg BT 64.11 245.20 Td (of ) Tj ET Q q 0 0 0 rg BT 75.44 245.20 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.53 245.20 Td (2015, ) Tj ET Q q 0 0 0 rg BT 160.03 245.20 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.81 245.20 Td ($42.1 ) Tj ET Q q 0 0 0 rg BT 206.31 245.20 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.20 245.20 Td ( ) Tj ET Q q 0 0 0 rg BT 238.20 245.20 Td (of ) Tj ET Q q 0 0 0 rg BT 249.53 245.20 Td (all ) Tj ET Q q 0 0 0 rg BT 262.53 245.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 289.14 245.20 Td (excluding ) Tj ET Q q 0 0 0 rg BT 331.57 245.20 Td (covered ) Tj ET Q q 0 0 0 rg BT 366.22 245.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 392.82 245.20 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.16 245.20 Td (0.2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.99 245.20 Td (, ) Tj ET Q q 0 0 0 rg BT 430.49 245.20 Td (were ) Tj ET Q q 0 0 0 rg BT 452.92 245.20 Td (60 ) Tj ET Q q 0 0 0 rg BT 465.92 245.20 Td (to ) Tj ET Q q 0 0 0 rg BT 476.69 245.20 Td (89 ) Tj ET Q q 0 0 0 rg BT 489.69 245.20 Td (days ) Tj ET Q q 0 0 0 rg BT 511.03 245.20 Td (past ) Tj ET Q q 0 0 0 rg BT 530.13 245.20 Td (due ) Tj ET Q q 0 0 0 rg BT 547.57 245.20 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.20 Td ($104.1 ) Tj ET Q q 0 0 0 rg BT 80.61 233.20 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.50 233.20 Td (, ) Tj ET Q q 0 0 0 rg BT 115.11 233.20 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.54 233.20 Td (0.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.37 233.20 Td (, ) Tj ET Q q 0 0 0 rg BT 152.98 233.20 Td (were ) Tj ET Q q 0 0 0 rg BT 175.52 233.20 Td (30 ) Tj ET Q q 0 0 0 rg BT 188.62 233.20 Td (to ) Tj ET Q q 0 0 0 rg BT 199.51 233.20 Td (59 ) Tj ET Q q 0 0 0 rg BT 212.61 233.20 Td (days ) Tj ET Q q 0 0 0 rg BT 234.05 233.20 Td (\(or ) Tj ET Q q 0 0 0 rg BT 248.82 233.20 Td (one ) Tj ET Q q 0 0 0 rg BT 266.36 233.20 Td (payment\) ) Tj ET Q q 0 0 0 rg BT 307.23 233.20 Td (past ) Tj ET Q q 0 0 0 rg BT 326.45 233.20 Td (due. ) Tj ET Q q 0 0 0 rg BT 345.81 233.20 Td (As ) Tj ET Q q 0 0 0 rg BT 360.03 233.20 Td (of ) Tj ET Q q 0 0 0 rg BT 371.47 233.20 Td (December31, ) Tj ET Q q 0 0 0 rg BT 430.66 233.20 Td (2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.26 233.20 Td ($38.0 ) Tj ET Q q 0 0 0 rg BT 481.87 233.20 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.76 233.20 Td ( ) Tj ET Q q 0 0 0 rg BT 513.87 233.20 Td (of ) Tj ET Q q 0 0 0 rg BT 525.31 233.20 Td (all ) Tj ET Q q 0 0 0 rg BT 538.41 233.20 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 221.20 Td (excluding ) Tj ET Q q 0 0 0 rg BT 91.94 221.20 Td (covered ) Tj ET Q q 0 0 0 rg BT 126.09 221.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 152.21 221.20 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.05 221.20 Td (0.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.88 221.20 Td (, ) Tj ET Q q 0 0 0 rg BT 188.88 221.20 Td (were ) Tj ET Q q 0 0 0 rg BT 210.82 221.20 Td (60 ) Tj ET Q q 0 0 0 rg BT 223.33 221.20 Td (to ) Tj ET Q q 0 0 0 rg BT 233.61 221.20 Td (89 ) Tj ET Q q 0 0 0 rg BT 246.12 221.20 Td (days ) Tj ET Q q 0 0 0 rg BT 266.96 221.20 Td (past ) Tj ET Q q 0 0 0 rg BT 285.57 221.20 Td (due ) Tj ET Q q 0 0 0 rg BT 302.52 221.20 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.47 221.20 Td ($67.8 ) Tj ET Q q 0 0 0 rg BT 344.47 221.20 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.36 221.20 Td (, ) Tj ET Q q 0 0 0 rg BT 378.37 221.20 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.21 221.20 Td (0.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.04 221.20 Td (, ) Tj ET Q q 0 0 0 rg BT 415.05 221.20 Td (were ) Tj ET Q q 0 0 0 rg BT 436.98 221.20 Td (30 ) Tj ET Q q 0 0 0 rg BT 449.49 221.20 Td (to ) Tj ET Q q 0 0 0 rg BT 459.78 221.20 Td (59 ) Tj ET Q q 0 0 0 rg BT 472.28 221.20 Td (days ) Tj ET Q q 0 0 0 rg BT 493.12 221.20 Td (\(or ) Tj ET Q q 0 0 0 rg BT 507.29 221.20 Td (one ) Tj ET Q q 0 0 0 rg BT 524.23 221.20 Td (payment\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 209.20 Td (past ) Tj ET Q q 0 0 0 rg BT 68.07 209.20 Td (due. ) Tj ET Q q 0 0 0 rg BT 86.98 209.20 Td (Many ) Tj ET Q q 0 0 0 rg BT 112.27 209.20 Td (of ) Tj ET Q q 0 0 0 rg BT 122.56 209.20 Td (the ) Tj ET Q q 0 0 0 rg BT 136.75 209.20 Td (commercial ) Tj ET Q q 0 0 0 rg BT 185.91 209.20 Td (and ) Tj ET Q q 0 0 0 rg BT 202.31 209.20 Td (commercial ) Tj ET Q q 0 0 0 rg BT 251.47 209.20 Td (real ) Tj ET Q q 0 0 0 rg BT 268.42 209.20 Td (estate ) Tj ET Q q 0 0 0 rg BT 293.15 209.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 316.22 209.20 Td (shown ) Tj ET Q q 0 0 0 rg BT 344.30 209.20 Td (as ) Tj ET Q q 0 0 0 rg BT 354.59 209.20 Td (60 ) Tj ET Q q 0 0 0 rg BT 366.56 209.20 Td (to ) Tj ET Q q 0 0 0 rg BT 376.30 209.20 Td (89 ) Tj ET Q q 0 0 0 rg BT 388.27 209.20 Td (days ) Tj ET Q q 0 0 0 rg BT 408.56 209.20 Td (and ) Tj ET Q q 0 0 0 rg BT 424.96 209.20 Td (30 ) Tj ET Q q 0 0 0 rg BT 436.93 209.20 Td (to ) Tj ET Q q 0 0 0 rg BT 446.67 209.20 Td (59 ) Tj ET Q q 0 0 0 rg BT 458.63 209.20 Td (days ) Tj ET Q q 0 0 0 rg BT 478.93 209.20 Td (past ) Tj ET Q q 0 0 0 rg BT 497.00 209.20 Td (due ) Tj ET Q q 0 0 0 rg BT 513.40 209.20 Td (are ) Tj ET Q q 0 0 0 rg BT 527.58 209.20 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 197.20 Td (on ) Tj ET Q q 0 0 0 rg BT 63.47 197.20 Td (the ) Tj ET Q q 0 0 0 rg BT 79.15 197.20 Td (Company) Tj ET Q q 0 0 0 rg BT 120.81 197.20 Td (s ) Tj ET Q q 0 0 0 rg BT 128.17 197.20 Td (internal ) Tj ET Q q 0 0 0 rg BT 162.18 197.20 Td (problem ) Tj ET Q q 0 0 0 rg BT 198.97 197.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 219.65 197.20 Td (reporting ) Tj ET Q q 0 0 0 rg BT 259.77 197.20 Td (system. ) Tj ET Q q 0 0 0 rg BT 293.52 197.20 Td (Loans ) Tj ET Q q 0 0 0 rg BT 321.42 197.20 Td (on ) Tj ET Q q 0 0 0 rg BT 334.89 197.20 Td (this ) Tj ET Q q 0 0 0 rg BT 352.80 197.20 Td (system ) Tj ET Q q 0 0 0 rg BT 384.05 197.20 Td (are ) Tj ET Q q 0 0 0 rg BT 399.72 197.20 Td (closely ) Tj ET Q q 0 0 0 rg BT 431.51 197.20 Td (monitored ) Tj ET Q q 0 0 0 rg BT 476.08 197.20 Td (by ) Tj ET Q q 0 0 0 rg BT 489.54 197.20 Td (management ) Tj ET Q q 0 0 0 rg BT 544.10 197.20 Td (on ) Tj ET Q q 0 0 0 rg BT 557.57 197.20 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.20 Td (monthly ) Tj ET Q q 0 0 0 rg BT 86.49 185.20 Td (basis. ) Tj ET Q q 0 0 0 rg BT 112.15 185.20 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 164.73 185.20 Td (and ) Tj ET Q q 0 0 0 rg BT 182.33 185.20 Td (commercial ) Tj ET Q q 0 0 0 rg BT 232.68 185.20 Td (real-estate ) Tj ET Q q 0 0 0 rg BT 276.91 185.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 301.18 185.20 Td (with ) Tj ET Q q 0 0 0 rg BT 322.11 185.20 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 380.25 185.20 Td (from ) Tj ET Q q 0 0 0 rg BT 402.84 185.20 Td (30 ) Tj ET Q q 0 0 0 rg BT 416.00 185.20 Td (to ) Tj ET Q q 0 0 0 rg BT 426.93 185.20 Td (89 ) Tj ET Q q 0 0 0 rg BT 440.09 185.20 Td (days ) Tj ET Q q 0 0 0 rg BT 461.57 185.20 Td (past-due ) Tj ET Q q 0 0 0 rg BT 498.61 185.20 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.52 185.20 Td ($31.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.20 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 173.20 Td ( ) Tj ET Q q 0 0 0 rg BT 81.39 173.20 Td (since ) Tj ET Q q 0 0 0 rg BT 104.44 173.20 Td (December31, ) Tj ET Q q 0 0 0 rg BT 163.02 173.20 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.20 Td (The ) Tj ET Q q 0 0 0 rg BT 68.79 152.20 Td (Company) Tj ET Q q 0 0 0 rg BT 110.46 152.20 Td (s ) Tj ET Q q 0 0 0 rg BT 117.59 152.20 Td (home ) Tj ET Q q 0 0 0 rg BT 143.05 152.20 Td (equity ) Tj ET Q q 0 0 0 rg BT 171.29 152.20 Td (and ) Tj ET Q q 0 0 0 rg BT 188.98 152.20 Td (residential ) Tj ET Q q 0 0 0 rg BT 233.87 152.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 254.33 152.20 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 296.46 152.20 Td (continue ) Tj ET Q q 0 0 0 rg BT 334.14 152.20 Td (to ) Tj ET Q q 0 0 0 rg BT 345.17 152.20 Td (exhibit ) Tj ET Q q 0 0 0 rg BT 376.18 152.20 Td (low ) Tj ET Q q 0 0 0 rg BT 394.43 152.20 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 446.55 152.20 Td (ratios. ) Tj ET Q q 0 0 0 rg BT 474.51 152.20 Td (Home ) Tj ET Q q 0 0 0 rg BT 502.19 152.20 Td (equity ) Tj ET Q q 0 0 0 rg BT 530.43 152.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 554.78 152.20 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.20 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.49 140.20 Td (2015 ) Tj ET Q q 0 0 0 rg BT 130.89 140.20 Td (that ) Tj ET Q q 0 0 0 rg BT 148.29 140.20 Td (are ) Tj ET Q q 0 0 0 rg BT 162.90 140.20 Td (current ) Tj ET Q q 0 0 0 rg BT 193.61 140.20 Td (with ) Tj ET Q q 0 0 0 rg BT 213.79 140.20 Td (regard ) Tj ET Q q 0 0 0 rg BT 241.73 140.20 Td (to ) Tj ET Q q 0 0 0 rg BT 251.91 140.20 Td (the ) Tj ET Q q 0 0 0 rg BT 266.53 140.20 Td (contractual ) Tj ET Q q 0 0 0 rg BT 313.35 140.20 Td (terms ) Tj ET Q q 0 0 0 rg BT 337.97 140.20 Td (of ) Tj ET Q q 0 0 0 rg BT 348.71 140.20 Td (the ) Tj ET Q q 0 0 0 rg BT 363.33 140.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 382.94 140.20 Td (agreement ) Tj ET Q q 0 0 0 rg BT 426.99 140.20 Td (represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.04 140.20 Td (98.2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.87 140.20 Td ( ) Tj ET Q q 0 0 0 rg BT 494.27 140.20 Td (of ) Tj ET Q q 0 0 0 rg BT 505.00 140.20 Td (the ) Tj ET Q q 0 0 0 rg BT 519.62 140.20 Td (total ) Tj ET Q q 0 0 0 rg BT 539.79 140.20 Td (home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.20 Td (equity ) Tj ET Q q 0 0 0 rg BT 78.25 128.20 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 118.99 128.20 Td (Residential ) Tj ET Q q 0 0 0 rg BT 167.24 128.20 Td (real ) Tj ET Q q 0 0 0 rg BT 185.47 128.20 Td (estate ) Tj ET Q q 0 0 0 rg BT 211.49 128.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 238.35 128.20 Td (excluding ) Tj ET Q q 0 0 0 rg BT 281.04 128.20 Td (PCI ) Tj ET Q q 0 0 0 rg BT 299.85 128.20 Td (loans, ) Tj ET Q q 0 0 0 rg BT 326.71 128.20 Td (at ) Tj ET Q q 0 0 0 rg BT 337.18 128.20 Td (December31, ) Tj ET Q q 0 0 0 rg BT 396.51 128.20 Td (2015 ) Tj ET Q q 0 0 0 rg BT 419.77 128.20 Td (that ) Tj ET Q q 0 0 0 rg BT 438.01 128.20 Td (are ) Tj ET Q q 0 0 0 rg BT 453.47 128.20 Td (current ) Tj ET Q q 0 0 0 rg BT 485.04 128.20 Td (with ) Tj ET Q q 0 0 0 rg BT 506.07 128.20 Td (regards ) Tj ET Q q 0 0 0 rg BT 538.75 128.20 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 128.20 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.20 Td (contractual ) Tj ET Q q 0 0 0 rg BT 96.92 116.20 Td (terms ) Tj ET Q q 0 0 0 rg BT 121.64 116.20 Td (of ) Tj ET Q q 0 0 0 rg BT 132.47 116.20 Td (the ) Tj ET Q q 0 0 0 rg BT 147.18 116.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 166.90 116.20 Td (agreements ) Tj ET Q q 0 0 0 rg BT 214.93 116.20 Td (comprise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.09 116.20 Td (97.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.92 116.20 Td ( ) Tj ET Q q 0 0 0 rg BT 282.42 116.20 Td (of ) Tj ET Q q 0 0 0 rg BT 293.25 116.20 Td (these ) Tj ET Q q 0 0 0 rg BT 316.29 116.20 Td (residential ) Tj ET Q q 0 0 0 rg BT 360.44 116.20 Td (real ) Tj ET Q q 0 0 0 rg BT 377.93 116.20 Td (estate ) Tj ET Q q 0 0 0 rg BT 403.19 116.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 426.80 116.20 Td (outstanding.) Tj ET Q endstream endobj 167 0 obj <> endobj 168 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (83) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Non-performing Loans Rollforward) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.92 721.25 Td (table ) Tj ET Q q 0 0 0 rg BT 89.72 721.25 Td (below ) Tj ET Q q 0 0 0 rg BT 116.54 721.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 151.68 721.25 Td (a ) Tj ET Q q 0 0 0 rg BT 158.49 721.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 198.08 721.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.78 721.25 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 274.46 721.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 300.45 721.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 342.25 721.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 376.27 721.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 399.75 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 416.56 721.25 Td (PCI ) Tj ET Q q 0 0 0 rg BT 434.49 721.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 460.47 721.25 Td (for ) Tj ET Q q 0 0 0 rg BT 474.51 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 489.09 721.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 520.91 721.25 Td (presented:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 698.75 345.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 698.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 698.75 79.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 698.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 698.75 80.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 676.75 345.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 676.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 676.75 79.00 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395.5 610.75 m 399.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 621.75 m 478.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 610.75 m 478.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 621.75 m 482.5 621.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 610.75 m 482.5 610.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 610.75 m 562.5 610.75 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 702.70 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.50 702.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 702.70 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 690.70 Td (Balance at beginning of period) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.00 690.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 453.30 690.83 Td (78,677) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.00 690.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 690.70 Td (103,334) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 679.70 Td (Additions, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 453.30 679.83 Td (48,124) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 679.70 Td (37,984) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 668.70 Td (Return to performing status) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.60 668.83 Td (\(3,743) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.30 668.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 668.70 Td (\(8,345) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 668.70 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 657.70 Td (Payments received) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.60 657.83 Td (\(22,804) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.30 657.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 657.70 Td (\(15,031) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 657.70 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 646.70 Td (Transfers to OREO and other repossessed assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.60 646.83 Td (\(10,581) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.30 646.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 646.70 Td (\(23,402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 646.70 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 635.70 Td (Charge-offs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.60 635.83 Td (\(10,519) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.30 635.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 635.70 Td (\(17,159) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 635.70 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 624.70 Td (Net change for niche loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 146.74 628.33 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 457.30 624.83 Td (4,903) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 624.70 Td (1,296) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 613.70 Td (Balance at end of period) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.00 613.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 453.30 613.83 Td (84,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.00 613.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 613.70 Td (78,677) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 564.00 611.25 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 599.25 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 599.25 Td (This ) Tj ET Q q 0 0 0 rg BT 100.03 599.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 135.70 599.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 167.48 599.25 Td (for ) Tj ET Q q 0 0 0 rg BT 181.50 599.25 Td (pr) Tj ET Q q 0 0 0 rg BT 190.02 599.25 Td (emium ) Tj ET Q q 0 0 0 rg BT 219.02 599.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 250.81 599.25 Td (r) Tj ET Q q 0 0 0 rg BT 254.33 599.25 Td (eceivables, ) Tj ET Q q 0 0 0 rg BT 300.81 599.25 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 345.38 599.25 Td (held ) Tj ET Q q 0 0 0 rg BT 364.95 599.25 Td (for ) Tj ET Q q 0 0 0 rg BT 378.97 599.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 424.08 599.25 Td (by ) Tj ET Q q 0 0 0 rg BT 435.86 599.25 Td (W) Tj ET Q q 0 0 0 rg BT 443.64 599.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 472.11 599.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 513.89 599.25 Td (and ) Tj ET Q q 0 0 0 rg BT 531.24 599.25 Td (indir) Tj ET Q q 0 0 0 rg BT 550.32 599.25 Td (ect ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 587.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 121.83 587.25 Td (loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 563.25 Td (PCI ) Tj ET Q q 0 0 0 rg BT 68.75 563.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 93.05 563.25 Td (are ) Tj ET Q q 0 0 0 rg BT 108.45 563.25 Td (excluded ) Tj ET Q q 0 0 0 rg BT 147.74 563.25 Td (from ) Tj ET Q q 0 0 0 rg BT 170.37 563.25 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 236.88 563.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 261.18 563.25 Td (as ) Tj ET Q q 0 0 0 rg BT 272.70 563.25 Td (they ) Tj ET Q q 0 0 0 rg BT 293.11 563.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 330.74 563.25 Td (to ) Tj ET Q q 0 0 0 rg BT 341.71 563.25 Td (earn ) Tj ET Q q 0 0 0 rg BT 362.11 563.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 394.73 563.25 Td (income ) Tj ET Q q 0 0 0 rg BT 427.36 563.25 Td (from ) Tj ET Q q 0 0 0 rg BT 449.99 563.25 Td (the ) Tj ET Q q 0 0 0 rg BT 465.40 563.25 Td (related ) Tj ET Q q 0 0 0 rg BT 495.79 563.25 Td (accretable ) Tj ET Q q 0 0 0 rg BT 539.50 563.25 Td (yield, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 551.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 101.63 551.25 Td (of ) Tj ET Q q 0 0 0 rg BT 112.72 551.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 166.01 551.25 Td (with ) Tj ET Q q 0 0 0 rg BT 186.54 551.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 233.72 551.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 258.70 551.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.79 551.25 Td (the ) Tj ET Q q 0 0 0 rg BT 284.77 551.25 Td (loan. ) Tj ET Q q 0 0 0 rg BT 307.24 551.25 Td ( ) Tj ET Q q 0 0 0 rg BT 310.00 551.25 Td (See ) Tj ET Q q 0 0 0 rg BT 327.20 551.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 349.40 551.25 Td (5 ) Tj ET Q q 0 0 0 rg BT 357.16 551.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.25 551.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.23 551.25 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 438.76 551.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 478.74 551.25 Td (Statements ) Tj ET Q q 0 0 0 rg BT 525.38 551.25 Td (in ) Tj ET Q q 0 0 0 rg BT 535.92 551.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 557.00 551.25 Td (8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 539.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 539.25 Td (further ) Tj ET Q q 0 0 0 rg BT 93.87 539.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 138.04 539.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.87 539.25 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 214.68 539.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 238.29 539.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.23 539.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.95 539.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 289.66 539.25 Td (aging ) Tj ET Q q 0 0 0 rg BT 314.38 539.25 Td (during ) Tj ET Q q 0 0 0 rg BT 342.99 539.25 Td (the ) Tj ET Q q 0 0 0 rg BT 357.71 539.25 Td (respective ) Tj ET Q q 0 0 0 rg BT 400.74 539.25 Td (periods.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 515.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 109.53 515.25 Td ( Loan Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 494.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.52 494.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 112.02 494.25 Td (for ) Tj ET Q q 0 0 0 rg BT 126.65 494.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 146.84 494.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 173.70 494.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 217.21 494.25 Td (management) Tj ET Q q 0 0 0 rg BT 271.08 494.25 Td (s ) Tj ET Q q 0 0 0 rg BT 277.94 494.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 314.23 494.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.53 494.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.72 494.25 Td (probable ) Tj ET Q q 0 0 0 rg BT 378.68 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 396.09 494.25 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 442.38 494.25 Td (estimable ) Tj ET Q q 0 0 0 rg BT 483.67 494.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 503.85 494.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 530.72 494.25 Td (that ) Tj ET Q q 0 0 0 rg BT 548.68 494.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 482.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.86 482.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 107.50 482.25 Td (is ) Tj ET Q q 0 0 0 rg BT 116.82 482.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 155.00 482.25 Td (to ) Tj ET Q q 0 0 0 rg BT 165.42 482.25 Td (incur) Tj ET Q q 0 0 0 rg BT 185.42 482.25 Td (. ) Tj ET Q q 0 0 0 rg BT 190.37 482.25 Td (The ) Tj ET Q q 0 0 0 rg BT 208.56 482.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 251.74 482.25 Td (for ) Tj ET Q q 0 0 0 rg BT 266.04 482.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 285.91 482.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 312.44 482.25 Td (is ) Tj ET Q q 0 0 0 rg BT 321.76 482.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 369.39 482.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 408.13 482.25 Td (using ) Tj ET Q q 0 0 0 rg BT 432.44 482.25 Td (a ) Tj ET Q q 0 0 0 rg BT 439.52 482.25 Td (methodology ) Tj ET Q q 0 0 0 rg BT 494.94 482.25 Td (that ) Tj ET Q q 0 0 0 rg BT 512.58 482.25 Td (incorporates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.25 Td (important ) Tj ET Q q 0 0 0 rg BT 91.70 470.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 109.52 470.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 169.53 470.25 Td (of ) Tj ET Q q 0 0 0 rg BT 180.68 470.25 Td (each ) Tj ET Q q 0 0 0 rg BT 201.81 470.25 Td (loan, ) Tj ET Q q 0 0 0 rg BT 224.35 470.25 Td (as ) Tj ET Q q 0 0 0 rg BT 235.50 470.25 Td (described ) Tj ET Q q 0 0 0 rg BT 276.64 470.25 Td (below ) Tj ET Q q 0 0 0 rg BT 303.89 470.25 Td (under ) Tj ET Q q 0 0 0 rg BT 329.48 470.25 Td (How ) Tj ET Q q 0 0 0 rg BT 355.98 470.25 Td (W) Tj ET Q q 0 0 0 rg BT 364.62 470.25 Td (e ) Tj ET Q q 0 0 0 rg BT 371.88 470.25 Td (Determine ) Tj ET Q q 0 0 0 rg BT 416.90 470.25 Td (the ) Tj ET Q q 0 0 0 rg BT 431.31 470.25 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 477.45 470.25 Td (for ) Tj ET Q q 0 0 0 rg BT 491.93 470.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 519.74 470.25 Td (Losses ) Tj ET Q q 0 0 0 rg BT 554.22 470.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.25 Td (this ) Tj ET Q q 0 0 0 rg BT 66.73 458.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 87.34 458.25 Td (7. ) Tj ET Q q 0 0 0 rg BT 96.96 458.25 Td (This ) Tj ET Q q 0 0 0 rg BT 117.02 458.25 Td (process ) Tj ET Q q 0 0 0 rg BT 149.30 458.25 Td (is ) Tj ET Q q 0 0 0 rg BT 158.25 458.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 188.86 458.25 Td (to ) Tj ET Q q 0 0 0 rg BT 198.92 458.25 Td (review ) Tj ET Q q 0 0 0 rg BT 228.41 458.25 Td (at ) Tj ET Q q 0 0 0 rg BT 237.92 458.25 Td (each ) Tj ET Q q 0 0 0 rg BT 258.52 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.13 458.25 Td (our ) Tj ET Q q 0 0 0 rg BT 284.74 458.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 306.47 458.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 355.97 458.25 Td (by ) Tj ET Q q 0 0 0 rg BT 368.25 458.25 Td (the ) Tj ET Q q 0 0 0 rg BT 382.75 458.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 426.13 458.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 469.50 458.25 Td (authority) Tj ET Q q 0 0 0 rg BT 504.96 458.25 Td (, ) Tj ET Q q 0 0 0 rg BT 509.74 458.25 Td (including ) Tj ET Q q 0 0 0 rg BT 549.80 458.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.49 446.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 117.19 446.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 140.80 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 151.63 446.25 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 189.96 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 204.67 446.25 Td (OCC, ) Tj ET Q q 0 0 0 rg BT 230.23 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 244.95 446.25 Td (State ) Tj ET Q q 0 0 0 rg BT 267.45 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 278.28 446.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 309.11 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 326.05 446.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.77 446.25 Td (State ) Tj ET Q q 0 0 0 rg BT 363.26 446.25 Td (of ) Tj ET Q q 0 0 0 rg BT 373.91 446.25 Td (W) Tj ET Q q 0 0 0 rg BT 382.95 446.25 Td (isconsin.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 425.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.51 425.25 Td (following ) Tj ET Q q 0 0 0 rg BT 110.35 425.25 Td (table ) Tj ET Q q 0 0 0 rg BT 132.75 425.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 150.71 425.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 173.11 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.29 425.25 Td (allocation ) Tj ET Q q 0 0 0 rg BT 230.67 425.25 Td (of ) Tj ET Q q 0 0 0 rg BT 241.96 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 257.14 425.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 300.63 425.25 Td (for ) Tj ET Q q 0 0 0 rg BT 315.26 425.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 335.43 425.25 Td (and ) Tj ET Q q 0 0 0 rg BT 352.83 425.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 387.44 425.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 407.61 425.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 434.47 425.25 Td (and ) Tj ET Q q 0 0 0 rg BT 451.87 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 467.04 425.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 510.54 425.25 Td (for ) Tj ET Q q 0 0 0 rg BT 525.16 425.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.01 425.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.25 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 112.70 413.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 169.30 413.25 Td (by ) Tj ET Q q 0 0 0 rg BT 181.47 413.25 Td (major ) Tj ET Q q 0 0 0 rg BT 206.96 413.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 226.35 413.25 Td (type ) Tj ET Q q 0 0 0 rg BT 245.73 413.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.34 413.25 Td (the ) Tj ET Q q 0 0 0 rg BT 276.72 413.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 322.19 413.25 Td (of ) Tj ET Q q 0 0 0 rg BT 332.69 413.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 355.97 413.25 Td (in ) Tj ET Q q 0 0 0 rg BT 365.91 413.25 Td (each ) Tj ET Q q 0 0 0 rg BT 386.40 413.25 Td (category ) Tj ET Q q 0 0 0 rg BT 422.99 413.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.93 413.25 Td (total ) Tj ET Q q 0 0 0 rg BT 452.88 413.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 476.15 413.25 Td (for ) Tj ET Q q 0 0 0 rg BT 489.98 413.25 Td (the ) Tj ET Q q 0 0 0 rg BT 504.37 413.25 Td (past ) Tj ET Q q 0 0 0 rg BT 522.64 413.25 Td (five ) Tj ET Q q 0 0 0 rg BT 540.36 413.25 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 401.25 Td (years:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 343.75 140.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 190.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 343.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 343.75 27.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 343.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 343.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 343.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 343.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 343.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 343.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 343.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.50 343.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 343.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 315.75 140.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 190.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 315.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 315.75 27.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 315.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 315.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 315.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 315.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 315.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 315.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 315.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.50 315.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 315.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 295.75 140.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 190.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 295.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 295.75 27.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 295.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 295.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 295.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 295.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 295.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 295.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 295.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.50 295.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 295.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 275.75 140.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 190.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 275.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 275.75 27.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 275.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 275.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 275.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 275.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 275.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 275.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 275.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.50 275.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 275.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 255.75 140.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 190.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 255.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 255.75 27.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 255.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 255.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 255.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 255.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 255.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 255.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 255.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.50 255.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 255.75 25.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 235.75 140.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 190.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 235.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 235.75 27.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 235.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 235.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 235.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 235.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 235.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 235.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 235.75 41.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 533.50 235.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 537.50 235.75 25.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 193.75 140.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 190.50 193.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 193.75 41.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 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390.75 m 385.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 377.75 m 385.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 390.75 m 389.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 377.75 m 389.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 390.75 m 414.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 377.75 m 414.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 390.75 m 418.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 377.75 m 418.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 390.75 m 459.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 377.75 m 459.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 390.75 m 463.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 377.75 m 463.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 390.75 m 488.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 377.75 m 488.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 390.75 m 492.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 377.75 m 492.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 390.75 m 533.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 377.75 m 533.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 390.75 m 537.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 377.75 m 537.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 390.75 m 562.5 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 377.75 m 562.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 343.75 m 190.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190.5 343.75 m 194.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 377.75 m 235.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 343.75 m 235.5 343.75 l s 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377.75 m 344.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 343.75 m 344.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 377.75 m 385.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 343.75 m 385.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 377.75 m 389.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 343.75 m 389.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 377.75 m 414.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 343.75 m 414.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 377.75 m 418.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 343.75 m 418.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 377.75 m 459.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 343.75 m 459.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 377.75 m 463.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 343.75 m 463.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 377.75 m 488.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 343.75 m 488.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 377.75 m 492.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 343.75 m 492.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 377.75 m 533.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 343.75 m 533.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 377.75 m 537.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 343.75 m 537.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 377.75 m 562.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 343.75 m 562.5 343.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 255.75 m 235.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 255.75 m 239.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 255.75 m 266.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 255.75 m 270.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 255.75 m 311.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 255.75 m 315.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 255.75 m 340.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 255.75 m 344.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 255.75 m 385.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 255.75 m 389.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 255.75 m 414.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 255.75 m 418.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 255.75 m 459.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 255.75 m 463.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 255.75 m 488.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 255.75 m 492.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 255.75 m 533.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 255.75 m 537.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 255.75 m 562.5 255.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 235.75 m 235.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 217.75 m 235.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 235.75 m 239.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 217.75 m 239.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 235.75 m 266.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 217.75 m 266.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 235.75 m 270.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 217.75 m 270.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 235.75 m 311.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 217.75 m 311.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 235.75 m 315.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 217.75 m 315.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 235.75 m 340.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 217.75 m 340.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 235.75 m 344.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 217.75 m 344.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 235.75 m 385.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 217.75 m 385.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 235.75 m 389.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 217.75 m 389.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 235.75 m 414.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 217.75 m 414.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 235.75 m 418.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 217.75 m 418.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 235.75 m 459.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 217.75 m 459.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 235.75 m 463.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 217.75 m 463.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 235.75 m 488.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 217.75 m 488.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 235.75 m 492.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 217.75 m 492.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 235.75 m 533.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 217.75 m 533.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 235.75 m 537.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 217.75 m 537.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 235.75 m 562.5 235.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 217.75 m 562.5 217.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 123.75 m 235.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 123.75 m 239.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 123.75 m 266.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 123.75 m 270.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 123.75 m 311.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 123.75 m 315.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 123.75 m 340.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 123.75 m 344.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 123.75 m 385.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 123.75 m 389.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 123.75 m 414.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 123.75 m 418.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 123.75 m 459.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 123.75 m 463.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 123.75 m 488.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 123.75 m 492.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 123.75 m 533.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 123.75 m 537.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 123.75 m 562.5 123.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 103.75 m 235.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 93.75 m 235.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 103.75 m 239.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 93.75 m 239.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 103.75 m 266.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 93.75 m 266.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 103.75 m 270.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 93.75 m 270.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 103.75 m 311.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 93.75 m 311.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 103.75 m 315.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 93.75 m 315.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 103.75 m 340.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 93.75 m 340.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 103.75 m 344.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 93.75 m 344.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 103.75 m 385.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 93.75 m 385.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 103.75 m 389.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 93.75 m 389.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 103.75 m 414.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 93.75 m 414.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 103.75 m 418.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 93.75 m 418.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 103.75 m 459.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 93.75 m 459.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 103.75 m 463.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 93.75 m 463.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 103.75 m 488.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 93.75 m 488.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 103.75 m 492.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 93.75 m 492.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 103.75 m 533.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 93.75 m 533.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 103.75 m 537.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 93.75 m 537.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 103.75 m 562.5 103.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 93.75 m 562.5 93.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 50.75 m 190.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 190.5 50.75 m 194.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 67.75 m 235.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 50.75 m 235.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 67.75 m 239.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 50.75 m 239.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 67.75 m 266.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 50.75 m 266.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 67.75 m 270.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 50.75 m 270.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 67.75 m 311.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 50.75 m 311.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 67.75 m 315.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 50.75 m 315.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 67.75 m 340.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 50.75 m 340.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 67.75 m 344.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 50.75 m 344.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 67.75 m 385.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 50.75 m 385.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 67.75 m 389.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 50.75 m 389.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 67.75 m 414.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 50.75 m 414.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 67.75 m 418.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 50.75 m 418.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 67.75 m 459.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 50.75 m 459.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 67.75 m 463.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 50.75 m 463.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 67.75 m 488.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 463.5 50.75 m 488.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 67.75 m 492.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 50.75 m 492.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 67.75 m 533.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 50.75 m 533.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 67.75 m 537.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 533.5 50.75 m 537.5 50.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 67.75 m 562.5 67.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 537.5 50.75 m 562.5 50.75 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 382.00 Td () Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 201.75 381.81 Td (December31, 2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 277.45 381.80 Td (December31, 2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 351.45 381.80 Td (December31, 2013) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 425.45 381.80 Td (December31, 2012) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 499.60 381.80 Td (December31, 2011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 348.00 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.45 347.98 Td (Amount) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 246.25 371.19 Td (%of) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 245.80 365.19 Td (Loan ) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 242.95 359.19 Td (T) Tj ET Q q 0 0 0 rg BT 246.51 359.19 Td (ype to) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 245.90 353.19 Td (T) Tj ET Q q 0 0 0 rg BT 249.35 353.19 Td (otal) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 244.65 347.19 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.35 348.00 Td (Amount) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 321.75 371.09 Td (%of) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 321.30 365.09 Td (Loan ) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.45 359.09 Td (T) Tj ET Q q 0 0 0 rg BT 321.70 359.09 Td (ype to) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 321.35 353.09 Td (T) Tj ET Q q 0 0 0 rg BT 324.60 353.09 Td (otal) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 320.15 347.09 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.35 348.00 Td (Amount) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 395.75 371.09 Td (%of) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 395.30 365.09 Td (Loan ) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 392.45 359.09 Td (T) Tj ET Q q 0 0 0 rg BT 395.70 359.09 Td (ype to) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 395.35 353.09 Td (T) Tj ET Q q 0 0 0 rg BT 398.60 353.09 Td (otal) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 394.15 347.09 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.35 348.00 Td (Amount) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 469.75 371.09 Td (%of) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 469.30 365.09 Td (Loan ) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 466.45 359.09 Td (T) Tj ET Q q 0 0 0 rg BT 469.70 359.09 Td (ype to) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 469.35 353.09 Td (T) Tj ET Q q 0 0 0 rg BT 472.60 353.09 Td (otal) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 468.15 347.09 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.35 348.00 Td (Amount) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.75 371.09 Td (%of) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.30 365.09 Td (Loan ) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.45 359.09 Td (T) Tj ET Q q 0 0 0 rg BT 543.70 359.09 Td (ype to) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.35 353.09 Td (T) Tj ET Q q 0 0 0 rg BT 546.60 353.09 Td (otal) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 542.15 347.09 Td (Loans) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 336.51 Td (Allowance for loan losses and allowance for) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 329.51 Td (covered loan losses allocation:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 318.40 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.00 317.88 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 205.00 317.88 Td (36,135) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 250.00 317.88 Td (27) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 258.00 317.88 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.00 317.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 317.75 Td (31,699) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.30 317.75 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.30 317.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.00 317.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 317.75 Td (23,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.30 317.75 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 317.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.00 317.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.30 317.75 Td (28,794) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 317.75 Td (24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 317.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 317.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.30 317.75 Td (31,237) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 317.75 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 317.75 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 308.40 Td (Commercial real-estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 205.00 307.88 Td (43,758) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 250.00 307.88 Td (32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 307.75 Td (35,533) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.30 307.75 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 307.75 Td (48,658) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.30 307.75 Td (32) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.30 307.75 Td (52,135) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 307.75 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.30 307.75 Td (56,405) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 307.75 Td (31) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 298.40 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 205.00 297.88 Td (12,012) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.00 297.88 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 297.75 Td (12,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.30 297.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 297.75 Td (12,611) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.30 297.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.30 297.75 Td (12,734) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 297.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 297.75 Td (7,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 297.75 Td (8) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 288.40 Td (Residential real-estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 209.00 287.88 Td (4,734) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.00 287.88 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 287.75 Td (4,218) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.30 287.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 287.75 Td (5,108) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.30 287.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 287.75 Td (5,560) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 287.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 287.75 Td (5,028) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 287.75 Td (3) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 278.40 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 209.00 277.88 Td (6,016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 250.00 277.88 Td (14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 277.75 Td (5,726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.30 277.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 277.75 Td (4,842) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.30 277.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 277.75 Td (5,530) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 277.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 277.75 Td (6,109) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 277.75 Td (13) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 268.40 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 209.00 267.88 Td (1,217) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 250.00 267.88 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.30 267.75 Td (787) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.30 267.75 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 366.30 267.75 Td (741) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.30 267.75 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.30 267.75 Td (566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 267.75 Td (14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 267.75 Td (1,105) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 267.75 Td (15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 258.40 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 209.00 257.88 Td (1,528) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.00 257.88 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 257.75 Td (1,242) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.30 257.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.30 257.75 Td (1,870) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.30 257.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 257.75 Td (2,032) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 257.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.30 257.75 Td (2,785) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 257.75 Td (2) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 248.51 Td (Total allowance for loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.00 247.88 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 201.00 247.88 Td (105,400) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 250.00 247.88 Td (99) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 258.00 247.88 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.00 247.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 247.75 Td (91,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.30 247.75 Td (98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.30 247.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.00 247.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 247.75 Td (96,922) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.30 247.75 Td (97) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 247.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.00 247.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 247.75 Td (107,351) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 247.75 Td (96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 247.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 247.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 247.75 Td (110,381) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 247.75 Td (94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 247.75 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 238.40 Td (Covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 209.00 237.88 Td (3,026) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.00 237.88 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.30 237.75 Td (2,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 329.30 237.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 237.75 Td (10,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.30 237.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.30 237.75 Td (13,454) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 237.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.30 237.75 Td (12,977) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 237.75 Td (6) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 228.51 Td (Total allowance for loan losses and) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 221.51 Td (allowance for covered loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.00 221.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 201.00 221.98 Td (108,426) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 246.00 221.98 Td (100) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 258.00 221.98 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.00 222.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 222.00 Td (93,836) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.30 222.00 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.30 222.00 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.00 222.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 222.00 Td (107,014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 395.30 222.00 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 222.00 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.00 222.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 222.00 Td (120,805) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 222.00 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 222.00 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 222.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 222.00 Td (123,358) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.30 222.00 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 222.00 Td (%) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 210.51 Td (Allowance category as a percent of total) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 203.51 Td (allowance for loan losses and allowance for) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 196.51 Td (covered loan losses:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 186.40 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 219.00 185.88 Td (33) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 227.00 185.88 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.30 185.75 Td (34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 185.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 185.75 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.30 185.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 185.75 Td (24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.30 185.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 185.75 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.30 185.75 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 176.40 Td (Commercial real-estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 219.00 175.88 Td (40) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.30 175.75 Td (38) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 175.75 Td (45) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 175.75 Td (43) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 175.75 Td (46) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 166.40 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 219.00 165.88 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.30 165.75 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 165.75 Td (12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 165.75 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 165.75 Td (6) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 156.40 Td (Residential real-estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 223.00 155.88 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.30 155.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 155.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 155.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 155.75 Td (4) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 146.40 Td (Premium finance receivablescommercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 223.00 145.88 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.30 145.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 145.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 145.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 145.75 Td (5) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 136.40 Td (Premium finance receivableslife insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 223.00 135.88 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.30 135.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 135.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 135.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 135.75 Td (1) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 126.40 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 223.00 125.88 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.30 125.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 125.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 125.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.30 125.75 Td (2) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 116.51 Td (Total allowance for loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 219.00 115.88 Td (97) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 227.00 115.88 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.30 115.75 Td (98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 115.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 115.75 Td (91) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.30 115.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 115.75 Td (89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.30 115.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 115.75 Td (89) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.30 115.75 Td (%) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 106.40 Td (Covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 223.00 105.88 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.30 105.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.30 105.75 Td (9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 105.75 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 105.75 Td (11) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 96.51 Td (Total allowance for loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.00 95.88 Td (100) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 227.00 95.88 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.30 95.75 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 95.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 366.30 95.75 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 378.30 95.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.30 95.75 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.30 95.75 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.30 95.75 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.30 95.75 Td (%) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 86.51 Td (Allowance for losses on lending-related) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 79.56 Td (commitments:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 70.40 Td (Commercial and commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.00 69.88 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 215.00 69.88 Td (949) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.00 69.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.30 69.75 Td (775) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.00 69.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 366.30 69.75 Td (719) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.00 69.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.30 69.75 Td (14,647) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 69.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.30 69.75 Td (13,231) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 60.51 Td (Total allowance for credit losses including) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 53.51 Td (allowance for covered loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 197.00 54.98 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 201.00 54.98 Td (109,375) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.00 55.00 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.00 55.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.30 55.00 Td (94,611) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.00 55.00 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.00 55.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 55.00 Td (107,733) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 55.00 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.00 55.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 55.00 Td (135,452) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.00 55.00 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 55.00 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 500.30 55.00 Td (136,589) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.00 55.00 Td () Tj ET Q BT /F1 10.00 Tf ET endstream endobj 169 0 obj <> endobj 170 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (84) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.81 742.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 152.39 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 169.99 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.81 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 227.95 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 242.22 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 262.04 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 288.54 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 306.69 742.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 354.83 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 364.65 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 423.34 742.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 448.44 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.49 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 483.09 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.91 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 517.73 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 555.33 742.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 69.27 730.10 Td (diversified ) Tj ET Q q 0 0 0 rg BT 114.08 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.58 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 149.84 730.10 Td (secured, ) Tj ET Q q 0 0 0 rg BT 184.93 730.10 Td (without ) Tj ET Q q 0 0 0 rg BT 217.54 730.10 Td (undue ) Tj ET Q q 0 0 0 rg BT 244.03 730.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 300.50 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 310.34 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 326.83 730.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 359.97 730.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 377.02 730.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 398.07 730.10 Td (While ) Tj ET Q q 0 0 0 rg BT 424.56 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 441.06 730.10 Td (process ) Tj ET Q q 0 0 0 rg BT 473.10 730.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 509.04 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 515.53 730.10 Td (high ) Tj ET Q q 0 0 0 rg BT 535.36 730.10 Td (degree ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.34 718.10 Td (management ) Tj ET Q q 0 0 0 rg BT 113.43 718.10 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 155.71 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.93 718.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 212.47 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 226.14 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 250.91 718.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 276.80 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 285.48 718.10 Td (based ) Tj ET Q q 0 0 0 rg BT 310.25 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 322.26 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 328.70 718.10 Td (comprehensive, ) Tj ET Q q 0 0 0 rg BT 393.74 718.10 Td (well ) Tj ET Q q 0 0 0 rg BT 412.96 718.10 Td (documented, ) Tj ET Q q 0 0 0 rg BT 466.34 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 482.79 718.10 Td (consistently ) Tj ET Q q 0 0 0 rg BT 532.57 718.10 Td (applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 83.90 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.91 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.81 706.10 Td (Company) Tj ET Q q 0 0 0 rg BT 149.48 706.10 Td (s ) Tj ET Q q 0 0 0 rg BT 155.05 706.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 173.96 706.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 213.01 706.10 Td (This ) Tj ET Q q 0 0 0 rg BT 232.47 706.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 266.37 706.10 Td (takes ) Tj ET Q q 0 0 0 rg BT 288.60 706.10 Td (into ) Tj ET Q q 0 0 0 rg BT 305.84 706.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 361.40 706.10 Td (all ) Tj ET Q q 0 0 0 rg BT 373.08 706.10 Td (available ) Tj ET Q q 0 0 0 rg BT 410.85 706.10 Td (information ) Tj ET Q q 0 0 0 rg BT 459.75 706.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 493.10 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 503.11 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.12 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.02 706.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 90.71 694.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 112.25 694.10 Td (including ) Tj ET Q q 0 0 0 rg BT 152.40 694.10 Td (environmental ) Tj ET Q q 0 0 0 rg BT 212.55 694.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 242.14 694.10 Td (such ) Tj ET Q q 0 0 0 rg BT 262.86 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 273.57 694.10 Td (economic, ) Tj ET Q q 0 0 0 rg BT 317.33 694.10 Td (industry) Tj ET Q q 0 0 0 rg BT 349.46 694.10 Td (, ) Tj ET Q q 0 0 0 rg BT 354.34 694.10 Td (geographical ) Tj ET Q q 0 0 0 rg BT 408.37 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.19 694.10 Td (political ) Tj ET Q q 0 0 0 rg BT 460.35 694.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 492.27 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 510.20 694.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 542.56 694.10 Td (level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.63 682.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 101.47 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 114.43 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 138.50 682.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 163.70 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 171.67 682.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 209.62 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.36 682.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 266.09 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.17 682.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 309.25 682.10 Td (peers. ) Tj ET Q q 0 0 0 rg BT 334.06 682.10 Td (This ) Tj ET Q q 0 0 0 rg BT 353.14 682.10 Td (review ) Tj ET Q q 0 0 0 rg BT 381.65 682.10 Td (encompasses ) Tj ET Q q 0 0 0 rg BT 435.16 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.69 682.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 473.31 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.95 682.10 Td (total ) Tj ET Q q 0 0 0 rg BT 502.02 682.10 Td (nonperforming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 76.37 670.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 114.12 670.10 Td (mix, ) Tj ET Q q 0 0 0 rg BT 134.94 670.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 172.70 670.10 Td (concentrations, ) Tj ET Q q 0 0 0 rg BT 236.27 670.10 Td (current ) Tj ET Q q 0 0 0 rg BT 267.34 670.10 Td (geographic ) Tj ET Q q 0 0 0 rg BT 314.53 670.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 336.18 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 353.38 670.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 383.90 670.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 409.99 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.08 670.10 Td (net ) Tj ET Q q 0 0 0 rg BT 436.05 670.10 Td (char) Tj ET Q q 0 0 0 rg BT 453.08 670.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 474.00 670.10 Td (fs. ) Tj ET Q q 0 0 0 rg BT 486.48 670.10 Td (Historical ) Tj ET Q q 0 0 0 rg BT 528.67 670.10 Td (trending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 658.10 Td (both ) Tj ET Q q 0 0 0 rg BT 81.11 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.83 658.10 Td (Company) Tj ET Q q 0 0 0 rg BT 137.49 658.10 Td (s ) Tj ET Q q 0 0 0 rg BT 143.88 658.10 Td (results ) Tj ET Q q 0 0 0 rg BT 172.49 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.43 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.15 658.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 239.42 658.10 Td (peers ) Tj ET Q q 0 0 0 rg BT 263.02 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 272.19 658.10 Td (also ) Tj ET Q q 0 0 0 rg BT 290.80 658.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 329.95 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 340.22 658.10 Td (analyze ) Tj ET Q q 0 0 0 rg BT 373.26 658.10 Td (comparative ) Tj ET Q q 0 0 0 rg BT 425.18 658.10 Td (significance.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Allowance for Cr) Tj ET Q q 0 0 0 rg BT 119.07 634.10 Td (edit Losses, Excluding Cover) Tj ET Q q 0 0 0 rg BT 235.35 634.10 Td (ed Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 617.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 617.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 617.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 135.26 617.10 Td (summarize ) Tj ET Q q 0 0 0 rg BT 181.63 617.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.35 617.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 228.84 617.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.12 617.10 Td (our ) Tj ET Q q 0 0 0 rg BT 254.95 617.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 297.98 617.10 Td (for ) Tj ET Q q 0 0 0 rg BT 312.14 617.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 337.40 617.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 363.79 617.10 Td (during ) Tj ET Q q 0 0 0 rg BT 392.40 617.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.12 617.10 Td (last ) Tj ET Q q 0 0 0 rg BT 423.51 617.10 Td (five ) Tj ET Q q 0 0 0 rg BT 441.55 617.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 465.71 617.10 Td (years.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 593.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 593.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 593.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 593.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 593.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 593.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 593.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 593.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 593.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 593.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 593.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 569.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 569.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 569.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 569.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 569.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 569.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 569.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 569.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 569.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 569.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 569.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 536.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 536.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 536.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 536.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 536.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 536.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 536.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 536.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 536.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 536.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 536.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 512.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 512.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 512.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 512.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 512.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 512.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 512.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 512.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 512.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 512.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 512.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 488.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 488.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 488.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 488.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 488.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 488.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 488.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 488.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 488.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 488.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 488.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 464.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 464.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 464.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 464.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 464.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 464.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 464.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 464.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 464.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 464.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 464.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 440.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 440.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 440.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 440.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 440.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 440.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 440.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 440.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 440.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 440.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 440.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 416.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 416.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 416.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 416.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 416.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 416.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 416.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 416.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 416.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 416.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 416.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 392.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 392.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 392.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 392.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 392.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 392.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 392.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 392.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 392.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 392.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 392.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 368.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 368.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 368.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 368.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 368.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 368.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 368.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 368.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 368.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 368.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 368.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 344.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 344.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 344.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 344.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 344.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 344.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 344.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 344.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 344.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 344.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 344.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 320.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 320.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 320.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 320.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 320.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 320.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 320.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 320.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 320.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 320.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 320.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 295.60 232.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 295.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 295.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 295.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 295.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 295.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 295.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 295.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 295.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 295.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 295.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 269.60 232.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 269.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 269.60 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 269.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 269.60 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 269.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 269.60 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 269.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 269.60 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 269.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 269.60 52.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 236.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 236.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 236.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 236.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 236.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 236.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 236.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 236.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 236.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 236.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 236.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 212.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 212.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 212.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 212.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 212.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 212.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 212.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 212.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 212.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 212.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 212.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 188.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 188.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 188.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 188.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 188.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 188.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 188.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 188.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 188.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 188.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 188.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 164.60 232.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 164.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 164.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 164.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 164.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 164.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 164.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 164.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 164.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 164.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 164.60 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 139.60 232.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 139.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 139.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 139.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 139.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 139.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 139.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 139.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 139.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 139.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 139.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 113.60 232.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 113.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 113.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 113.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 113.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 113.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 113.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 113.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 113.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 113.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 510.50 113.60 52.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 606.6 m 282.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 593.6 m 282.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 606.6 m 286.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 593.6 m 286.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 606.6 m 338.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 593.6 m 338.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 606.6 m 342.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 606.6 m 394.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 593.6 m 394.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 606.6 m 398.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 593.6 m 398.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 606.6 m 450.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 593.6 m 450.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 606.6 m 454.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 593.6 m 454.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 606.6 m 506.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 593.6 m 506.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 606.6 m 510.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 593.6 m 510.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 606.6 m 562.5 606.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 593.6 m 562.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 593.6 m 342.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 593.6 m 394.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 593.6 m 398.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 593.6 m 450.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 593.6 m 454.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 593.6 m 506.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 593.6 m 510.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 593.6 m 562.5 593.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 440.6 m 338.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 428.6 m 338.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 440.6 m 342.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 428.6 m 342.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 440.6 m 394.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 428.6 m 394.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 440.6 m 398.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 428.6 m 398.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 440.6 m 450.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 428.6 m 450.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 440.6 m 454.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 428.6 m 454.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 440.6 m 506.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 428.6 m 506.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 440.6 m 510.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 428.6 m 510.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 440.6 m 562.5 440.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 428.6 m 562.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 332.6 m 338.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 332.6 m 342.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 332.6 m 394.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 332.6 m 398.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 332.6 m 450.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 332.6 m 454.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 332.6 m 506.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 332.6 m 510.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 332.6 m 562.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 320.6 m 338.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 308.6 m 338.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 320.6 m 342.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 308.6 m 342.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 320.6 m 394.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 308.6 m 394.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 320.6 m 398.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 308.6 m 398.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 320.6 m 450.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 308.6 m 450.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 320.6 m 454.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 308.6 m 454.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 320.6 m 506.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 308.6 m 506.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 320.6 m 510.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 308.6 m 510.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 320.6 m 562.5 320.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 308.6 m 562.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 282.6 m 338.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 269.6 m 338.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 282.6 m 342.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 269.6 m 342.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 282.6 m 394.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 269.6 m 394.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 282.6 m 398.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 269.6 m 398.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 282.6 m 450.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 269.6 m 450.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 282.6 m 454.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 269.6 m 454.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 282.6 m 506.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 269.6 m 506.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 282.6 m 510.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 269.6 m 510.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 282.6 m 562.5 282.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 269.6 m 562.5 269.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 164.60000000000002 m 338.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 152.60000000000002 m 338.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 164.60000000000002 m 342.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 152.60000000000002 m 342.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 164.60000000000002 m 394.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 152.60000000000002 m 394.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 164.60000000000002 m 398.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 152.60000000000002 m 398.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 164.60000000000002 m 450.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 152.60000000000002 m 450.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 164.60000000000002 m 454.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 152.60000000000002 m 454.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 164.60000000000002 m 506.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 152.60000000000002 m 506.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 164.60000000000002 m 510.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 152.60000000000002 m 510.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 164.60000000000002 m 562.5 164.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 152.60000000000002 m 562.5 152.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 100.60000000000002 m 282.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 100.60000000000002 m 286.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 100.60000000000002 m 338.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 100.60000000000002 m 342.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 100.60000000000002 m 394.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 100.60000000000002 m 398.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 100.60000000000002 m 450.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 100.60000000000002 m 454.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 100.60000000000002 m 506.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 100.60000000000002 m 510.5 100.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 510.5 100.60000000000002 m 562.5 100.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 597.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.00 597.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 597.85 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.00 597.85 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.00 597.85 Td (2012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.10 597.85 Td (2011) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 585.68 Td (Allowance for loan losses at beginning of year) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 585.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.00 585.68 Td (91,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 585.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 585.55 Td (96,922) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 585.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.25 585.55 Td (107,351) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 585.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 585.55 Td (110,381) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 585.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 585.55 Td (113,903) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 573.68 Td (Provision for credit losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.00 573.68 Td (33,747) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 573.55 Td (22,889) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 573.55 Td (45,984) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.25 573.55 Td (72,412) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 573.55 Td (97,920) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 561.68 Td (Other adjustments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 315.30 561.68 Td (\(737) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 561.68 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.60 561.55 Td (\(824) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 561.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.60 561.55 Td (\(938) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 561.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.60 561.55 Td (\(1,333) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 561.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 561.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 549.68 Td (Reclassification from \(to\) allowance for unfunded lending-related) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 541.68 Td (commitments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 315.30 540.83 Td (\(138) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 540.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.60 540.85 Td (\(56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 540.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.30 540.85 Td (640) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 540.85 Td (693) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 540.85 Td (1,904) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 528.68 Td (Charge-offs:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 516.55 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 516.68 Td (4,253) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 516.55 Td (4,153) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 516.55 Td (14,123) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.25 516.55 Td (22,405) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 516.55 Td (31,951) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 504.55 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 504.68 Td (6,543) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 504.55 Td (15,788) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 504.55 Td (32,745) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.25 504.55 Td (43,539) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 504.55 Td (62,698) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 492.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 492.68 Td (4,227) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 492.55 Td (3,895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 492.55 Td (6,361) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.25 492.55 Td (9,361) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 492.55 Td (5,020) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 480.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 480.68 Td (2,903) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 480.55 Td (1,750) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 480.55 Td (2,958) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.25 480.55 Td (4,060) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 480.55 Td (4,115) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 468.55 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 468.68 Td (7,060) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 468.55 Td (5,722) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 468.55 Td (5,063) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.25 468.55 Td (3,751) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 468.55 Td (6,617) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 456.55 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 322.00 456.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.30 456.55 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 456.55 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 456.55 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.30 456.55 Td (275) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 444.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.00 444.68 Td (521) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 444.55 Td (792) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 444.55 Td (1,110) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.25 444.55 Td (1,245) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 444.55 Td (1,776) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 432.55 Td (Total charge-offs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 432.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.00 432.68 Td (25,507) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 432.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 432.55 Td (32,104) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 432.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 432.55 Td (62,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 432.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.25 432.55 Td (84,390) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 432.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 432.55 Td (112,452) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 420.68 Td (Recoveries:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 408.55 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 408.68 Td (1,432) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 408.55 Td (1,198) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 408.55 Td (1,655) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.25 408.55 Td (1,220) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 408.55 Td (1,258) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 396.55 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 396.68 Td (2,840) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 396.55 Td (1,334) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 396.55 Td (2,526) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.25 396.55 Td (6,635) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 396.55 Td (1,386) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 384.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.00 384.68 Td (312) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 384.55 Td (535) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.30 384.55 Td (432) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 384.55 Td (428) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 384.55 Td (64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 372.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.00 372.68 Td (283) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 372.55 Td (335) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.30 372.55 Td (289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 372.55 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 372.55 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 360.55 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 360.68 Td (1,288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 360.55 Td (1,139) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 360.55 Td (1,108) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 360.55 Td (871) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 360.55 Td (6,006) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 348.55 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 322.00 348.68 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 348.55 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 348.55 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 348.55 Td (69) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 348.55 Td (12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 336.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.00 336.68 Td (159) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 336.55 Td (326) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.30 336.55 Td (239) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 336.55 Td (343) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 543.30 336.55 Td (370) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 324.55 Td (Total recoveries) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 324.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 324.68 Td (6,330) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 324.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 324.55 Td (4,878) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 324.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 324.55 Td (6,262) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 324.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.25 324.55 Td (9,588) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 324.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 324.55 Td (9,106) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 312.55 Td (Net charge-offs, excluding covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 312.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 305.30 312.68 Td (\(19,177) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 312.68 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 312.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 362.60 312.55 Td (\(27,226) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 312.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 312.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.60 312.55 Td (\(56,115) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 312.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 312.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 474.60 312.55 Td (\(74,802) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 312.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 312.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.60 312.55 Td (\(103,346) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 312.55 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 300.68 Td (Allowance for loan losses at year end) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 299.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.00 299.83 Td (105,400) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 299.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 299.85 Td (91,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 299.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 299.85 Td (96,922) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 299.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 299.85 Td (107,351) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 299.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 299.85 Td (110,381) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 287.68 Td (Allowance for unfunded lending-related commitments at year end) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 286.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.00 286.83 Td (949) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 286.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 286.85 Td (775) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 286.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.30 286.85 Td (719) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 286.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.25 286.85 Td (14,647) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 286.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 286.85 Td (13,231) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 274.68 Td (Allowance for credit losses at year end) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 273.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.00 273.83 Td (106,349) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 273.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 273.85 Td (92,480) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 273.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 273.85 Td (97,641) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 273.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 273.85 Td (121,998) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 273.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.25 273.85 Td (123,612) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 261.68 Td (Net charge-offs by category as a percentage of its own respective) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 253.68 Td (categorys average:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 240.55 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 240.68 Td (0.07) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 240.68 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 240.55 Td (0.08) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 240.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 240.55 Td (0.41) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 240.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 240.55 Td (0.81) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 240.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 240.55 Td (1.44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 240.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 228.55 Td (Commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 228.68 Td (0.07) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 228.55 Td (0.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 228.55 Td (0.74) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 228.55 Td (1.02) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 228.55 Td (1.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 216.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 216.68 Td (0.52) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 216.55 Td (0.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 216.55 Td (0.79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 216.55 Td (1.08) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 216.55 Td (0.56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 204.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 204.68 Td (0.29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 204.55 Td (0.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 204.55 Td (0.35) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 204.55 Td (0.51) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 204.55 Td (0.79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 192.55 Td (Premium finance receivables commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 192.68 Td (0.24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 192.55 Td (0.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 192.55 Td (0.19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 192.55 Td (0.16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 192.55 Td (0.04) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 180.55 Td (Premium finance receivables life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 322.00 180.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 180.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.30 180.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 180.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 180.55 Td (0.02) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 168.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 168.68 Td (0.23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 168.55 Td (0.28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 168.55 Td (0.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 168.55 Td (0.47) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 168.55 Td (0.82) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 156.55 Td (Total loans, net of unearned income, excluding covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 156.68 Td (0.12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 156.68 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 156.55 Td (0.20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 156.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 156.55 Td (0.44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 156.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 156.55 Td (0.65) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 156.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 156.55 Td (1.02) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 156.55 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 143.83 Td (Net charge-offs as a per) Tj ET Q q 0 0 0 rg BT 133.72 143.83 Td (centage of the) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 180.81 143.83 Td ( ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 182.81 143.83 Td (pr) Tj ET Q q 0 0 0 rg BT 190.67 143.83 Td (ovision for) Tj ET Q q 0 0 0 rg BT 226.75 143.83 Td ( cr) Tj ET Q q 0 0 0 rg BT 235.70 143.83 Td (edit losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.00 143.83 Td (56.83) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 143.83 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 143.85 Td (118.94) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 143.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 143.85 Td (122.04) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 143.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.25 143.85 Td (103.30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 143.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 143.85 Td (105.54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 143.85 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 131.68 Td (Year-end total loans \(excluding covered loans\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.00 130.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.00 130.83 Td (17,118,117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.00 130.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.25 130.85 Td (14,409,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.00 130.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.25 130.85 Td (12,896,602) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.00 130.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 130.85 Td (11,828,943) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 130.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.25 130.85 Td (10,521,377) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 118.68 Td (Allowance for loan losses as a percentage of loans at end of year) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 117.83 Td (0.62) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 117.83 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 117.85 Td (0.64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 117.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 117.85 Td (0.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 117.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 117.85 Td (0.91) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 117.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 117.85 Td (1.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 117.85 Td (%) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 105.68 Td (Allowance for credit losses as a percentage of loans at end of year) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.00 104.83 Td (0.62) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 330.00 104.83 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.30 104.85 Td (0.64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.30 104.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 104.85 Td (0.76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 104.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.30 104.85 Td (1.03) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 104.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 104.85 Td (1.17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 555.30 104.85 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 171 0 obj <> endobj 172 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (85) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.40 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 111.78 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 126.28 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 151.90 742.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 181.14 742.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 223.42 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.48 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 281.86 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 296.37 742.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 330.86 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 350.93 742.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 380.17 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 389.69 742.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 434.19 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.37 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 457.66 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 501.04 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 515.54 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 535.61 742.10 Td (losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 78.16 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 88.55 730.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 137.26 730.10 Td (with ) Tj ET Q q 0 0 0 rg BT 158.76 730.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 190.79 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.29 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 227.12 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 245.84 730.10 Td (we ) Tj ET Q q 0 0 0 rg BT 261.22 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 283.82 730.10 Td (originated, ) Tj ET Q q 0 0 0 rg BT 330.59 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.75 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 361.91 730.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 406.16 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 421.55 730.10 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 485.79 730.10 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 546.46 730.10 Td (Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 93.58 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 108.30 718.10 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 171.88 718.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 229.37 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 239.09 718.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 287.12 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 307.95 718.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 339.32 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.15 718.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 375.42 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 393.47 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 408.18 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 430.11 718.10 Td (committed ) Tj ET Q q 0 0 0 rg BT 475.93 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.76 718.10 Td (lend ) Tj ET Q q 0 0 0 rg BT 507.03 718.10 Td (but ) Tj ET Q q 0 0 0 rg BT 522.86 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 537.57 718.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.65 706.10 Td (have ) Tj ET Q q 0 0 0 rg BT 95.96 706.10 Td (not ) Tj ET Q q 0 0 0 rg BT 111.16 706.10 Td (yet ) Tj ET Q q 0 0 0 rg BT 125.81 706.10 Td (been ) Tj ET Q q 0 0 0 rg BT 147.12 706.10 Td (disbursed ) Tj ET Q q 0 0 0 rg BT 187.88 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.74 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 213.84 706.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 255.71 706.10 Td (using ) Tj ET Q q 0 0 0 rg BT 279.80 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 286.67 706.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 341.88 706.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 372.08 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.29 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 399.71 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 420.47 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.68 706.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 473.09 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.73 706.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 530.69 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 544.78 706.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 77.88 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 95.02 694.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 137.16 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.42 694.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 189.79 694.10 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 251.91 694.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 307.95 694.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.77 694.10 Td ($949,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.27 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.87 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 385.80 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.73 694.10 Td (December ) Tj ET Q q 0 0 0 rg BT 438.41 694.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 452.51 694.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 474.11 694.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 515.14 694.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.52 694.10 Td ($775,000) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 71.66 682.10 Td (December ) Tj ET Q q 0 0 0 rg BT 115.24 682.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 130.24 682.10 Td (2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (Additions ) Tj ET Q q 0 0 0 rg BT 92.11 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.56 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.44 658.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 160.64 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 174.96 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 194.84 658.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 221.40 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 236.27 658.10 Td (char) Tj ET Q q 0 0 0 rg BT 253.30 658.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 270.40 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.84 658.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 317.39 658.10 Td (through ) Tj ET Q q 0 0 0 rg BT 351.16 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.04 658.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 406.49 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 420.81 658.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 446.24 658.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 475.30 658.10 Td (Char) Tj ET Q q 0 0 0 rg BT 494.55 658.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 515.47 658.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 525.36 658.10 Td (represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.43 646.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 96.63 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.17 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 130.48 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 147.69 646.10 Td (have ) Tj ET Q q 0 0 0 rg BT 168.77 646.10 Td (been ) Tj ET Q q 0 0 0 rg BT 189.86 646.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 237.05 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.03 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 258.68 646.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 312.54 646.10 Td (during ) Tj ET Q q 0 0 0 rg BT 340.85 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.50 646.10 Td (given ) Tj ET Q q 0 0 0 rg BT 371.92 646.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 402.18 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.83 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 433.24 646.10 Td (deducted ) Tj ET Q q 0 0 0 rg BT 471.54 646.10 Td (from ) Tj ET Q q 0 0 0 rg BT 493.19 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 507.62 646.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 550.36 646.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.60 634.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 98.38 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.21 634.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 158.68 634.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 197.71 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.31 634.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 244.70 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.41 634.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 301.12 634.10 Td (received ) Tj ET Q q 0 0 0 rg BT 337.37 634.10 Td (from ) Tj ET Q q 0 0 0 rg BT 359.19 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 382.69 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 400.07 634.10 Td (had ) Tj ET Q q 0 0 0 rg BT 416.90 634.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 461.50 634.10 Td (been ) Tj ET Q q 0 0 0 rg BT 482.76 634.10 Td (char) Tj ET Q q 0 0 0 rg BT 499.79 634.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 516.61 634.10 Td (of) Tj ET Q q 0 0 0 rg BT 524.76 634.10 Td (f, ) Tj ET Q q 0 0 0 rg BT 532.98 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.81 634.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (credited ) Tj ET Q q 0 0 0 rg BT 84.93 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.44 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.39 622.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 153.65 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 168.04 622.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 187.98 622.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 217.10 622.10 Td (See ) Tj ET Q q 0 0 0 rg BT 234.27 622.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 256.44 622.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 264.17 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.23 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.18 622.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 345.68 622.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 385.62 622.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 432.23 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 446.62 622.10 Td (further ) Tj ET Q q 0 0 0 rg BT 476.56 622.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 520.96 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 532.02 622.10 Td (activity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (within ) Tj ET Q q 0 0 0 rg BT 78.27 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.21 610.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 136.46 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.83 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 170.77 610.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.38 610.10 Td (during ) Tj ET Q q 0 0 0 rg BT 226.20 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.14 610.10 Td (period ) Tj ET Q q 0 0 0 rg BT 269.40 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 286.56 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.49 610.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 351.42 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 371.92 610.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 415.17 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 435.10 610.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 472.24 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 486.62 610.10 Td (each ) Tj ET Q q 0 0 0 rg BT 507.65 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 527.59 610.10 Td (category ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.66 598.10 Td (total ) Tj ET Q q 0 0 0 rg BT 101.93 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 121.65 598.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 161.64 598.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 203.57 598.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 237.72 598.10 Td (loans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (How W) Tj ET Q q 0 0 0 rg BT 78.80 577.10 Td (e Determine the ) Tj ET Q q 0 0 0 rg BT 144.99 577.10 Td (Allowance for Cr) Tj ET Q q 0 0 0 rg BT 214.06 577.10 Td (edit Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.06 556.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 111.10 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 125.28 556.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 145.00 556.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.41 556.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 207.25 556.10 Td (an ) Tj ET Q q 0 0 0 rg BT 219.20 556.10 Td (element ) Tj ET Q q 0 0 0 rg BT 253.36 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 267.53 556.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 308.36 556.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 345.86 556.10 Td (but ) Tj ET Q q 0 0 0 rg BT 361.15 556.10 Td (undetected ) Tj ET Q q 0 0 0 rg BT 406.98 556.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 433.38 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.33 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.50 556.10 Td (imprecision ) Tj ET Q q 0 0 0 rg BT 514.23 556.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.52 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.25 556.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.80 544.10 Td (models ) Tj ET Q q 0 0 0 rg BT 99.49 544.10 Td (used ) Tj ET Q q 0 0 0 rg BT 120.63 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.21 544.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 169.54 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.56 544.10 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 230.39 544.10 Td (If ) Tj ET Q q 0 0 0 rg BT 239.85 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.87 544.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 274.89 544.10 Td (is ) Tj ET Q q 0 0 0 rg BT 284.37 544.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 325.21 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.23 544.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 381.92 544.10 Td (analyzes ) Tj ET Q q 0 0 0 rg BT 419.15 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.17 544.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 454.18 544.10 Td (for ) Tj ET Q q 0 0 0 rg BT 468.65 544.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 507.00 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.13 544.10 Td (calculating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.35 532.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 98.46 532.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 146.58 532.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 181.36 532.10 Td (as ) Tj ET Q q 0 0 0 rg BT 191.71 532.10 Td (part ) Tj ET Q q 0 0 0 rg BT 209.27 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.62 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.86 532.10 Td (Problem ) Tj ET Q q 0 0 0 rg BT 269.76 532.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 292.33 532.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 334.34 532.10 Td (system ) Tj ET Q q 0 0 0 rg BT 364.14 532.10 Td (review) Tj ET Q q 0 0 0 rg BT 390.70 532.10 Td (. ) Tj ET Q q 0 0 0 rg BT 394.77 532.10 Td (A) Tj ET Q q 0 0 0 rg BT 401.44 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 403.46 532.10 Td (general ) Tj ET Q q 0 0 0 rg BT 434.90 532.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 465.79 532.10 Td (is ) Tj ET Q q 0 0 0 rg BT 474.48 532.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 517.03 532.10 Td (determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.80 520.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 89.05 520.10 Td (not ) Tj ET Q q 0 0 0 rg BT 104.96 520.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 151.42 520.10 Td (impaired. ) Tj ET Q q 0 0 0 rg BT 192.60 520.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.74 520.10 Td (See ) Tj ET Q q 0 0 0 rg BT 213.31 520.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 235.89 520.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 244.03 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.50 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.85 520.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 326.77 520.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 367.12 520.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 414.14 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 428.94 520.10 Td (further ) Tj ET Q q 0 0 0 rg BT 459.28 520.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 504.09 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.56 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 520.10 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 99.06 508.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 130.89 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.29 508.10 Td (general ) Tj ET Q q 0 0 0 rg BT 180.68 508.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 212.51 508.10 Td (as ) Tj ET Q q 0 0 0 rg BT 223.80 508.10 Td (it ) Tj ET Q q 0 0 0 rg BT 232.32 508.10 Td (relates ) Tj ET Q q 0 0 0 rg BT 261.38 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 272.12 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.30 508.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 330.79 508.10 Td (for ) Tj ET Q q 0 0 0 rg BT 345.42 508.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 371.14 508.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 398.00 508.10 Td (for ) Tj ET Q q 0 0 0 rg BT 412.62 508.10 Td (each ) Tj ET Q q 0 0 0 rg BT 433.90 508.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 454.08 508.10 Td (category ) Tj ET Q q 0 0 0 rg BT 491.47 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.87 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.05 508.10 Td (total ) Tj ET Q q 0 0 0 rg BT 544.78 508.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 90.00 496.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 131.93 496.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 166.07 496.10 Td (loans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (Specific Impairment Reserves:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.00 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 95.34 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 101.34 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 125.66 454.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 142.22 454.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 167.10 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.99 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 182.99 454.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 189.55 454.10 Td (through ) Tj ET Q q 0 0 0 rg BT 222.22 454.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 228.78 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 242.55 454.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 280.75 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 292.31 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 298.31 454.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 333.21 454.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 354.77 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 364.11 454.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 405.65 454.10 Td (if ) Tj ET Q q 0 0 0 rg BT 413.32 454.10 Td (\(a\)an ) Tj ET Q q 0 0 0 rg BT 437.91 454.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 469.47 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 477.70 454.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 510.35 454.10 Td (uncollectible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (\(a ) Tj ET Q q 0 0 0 rg BT 59.25 442.10 Td (char) Tj ET Q q 0 0 0 rg BT 76.28 442.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 97.20 442.10 Td (f\) ) Tj ET Q q 0 0 0 rg BT 105.34 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 115.16 442.10 Td (\(b\)it ) Tj ET Q q 0 0 0 rg BT 136.36 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 144.51 442.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 180.98 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 197.46 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.16 442.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 251.53 442.10 Td (will ) Tj ET Q q 0 0 0 rg BT 268.57 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 279.50 442.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 307.64 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.90 442.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 345.03 442.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 380.41 442.10 Td (due ) Tj ET Q q 0 0 0 rg BT 396.33 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 405.59 442.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 452.04 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 471.30 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.00 442.10 Td (original ) Tj ET Q q 0 0 0 rg BT 517.59 442.10 Td (contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 74.65 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.42 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.08 430.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 119.73 430.10 Td (\(impaired ) Tj ET Q q 0 0 0 rg BT 161.04 430.10 Td (loan\). ) Tj ET Q q 0 0 0 rg BT 186.53 430.10 Td (If ) Tj ET Q q 0 0 0 rg BT 195.63 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 202.50 430.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 222.16 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 231.26 430.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 271.74 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.40 430.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 322.15 430.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 354.59 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.35 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.01 430.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 399.66 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 408.77 430.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 450.63 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.85 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.50 430.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 513.47 430.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 554.24 430.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 62.71 418.10 Td (reserved, ) Tj ET Q q 0 0 0 rg BT 102.34 418.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 148.93 418.10 Td (at ) Tj ET Q q 0 0 0 rg BT 159.41 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.90 418.10 Td (loan) Tj ET Q q 0 0 0 rg BT 194.89 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 202.05 418.10 Td (original ) Tj ET Q q 0 0 0 rg BT 236.42 418.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 257.17 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 268.77 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 283.70 418.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 324.16 418.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 368.52 418.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 395.40 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.44 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.92 418.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 439.07 418.10 Td (value ) Tj ET Q q 0 0 0 rg BT 463.99 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.59 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.07 418.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 531.53 418.10 Td (less ) Tj ET Q q 0 0 0 rg BT 549.80 418.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.82 406.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 109.43 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 119.71 406.10 Td (sell. ) Tj ET Q q 0 0 0 rg BT 138.04 406.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 157.76 406.10 Td (shortfall ) Tj ET Q q 0 0 0 rg BT 193.59 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 202.76 406.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 240.23 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 251.06 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 258.00 406.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 291.60 406.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 340.20 406.10 Td (reserve.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (At ) Tj ET Q q 0 0 0 rg BT 63.28 385.10 Td (December ) Tj ET Q q 0 0 0 rg BT 107.65 385.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 123.43 385.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 149.21 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.71 385.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 206.88 385.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.60 385.10 Td ($101.3 ) Tj ET Q q 0 0 0 rg BT 255.39 385.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.28 385.10 Td ( ) Tj ET Q q 0 0 0 rg BT 287.56 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.17 385.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 338.00 385.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 362.39 385.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.45 385.10 Td ($50.0 ) Tj ET Q q 0 0 0 rg BT 409.23 385.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.13 385.10 Td ( ) Tj ET Q q 0 0 0 rg BT 441.41 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.02 385.10 Td (this ) Tj ET Q q 0 0 0 rg BT 470.75 385.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 504.57 385.10 Td (requiring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.51 385.10 Td ($6.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 373.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.65 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.74 373.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 126.59 373.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 175.45 373.10 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 212.86 373.10 Td (At ) Tj ET Q q 0 0 0 rg BT 225.62 373.10 Td (December ) Tj ET Q q 0 0 0 rg BT 269.46 373.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 284.72 373.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 309.98 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 324.95 373.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 366.60 373.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.80 373.10 Td ($127.4 ) Tj ET Q q 0 0 0 rg BT 414.05 373.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.95 373.10 Td ( ) Tj ET Q q 0 0 0 rg BT 445.70 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.79 373.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 495.09 373.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 518.96 373.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 373.10 Td ($69.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 361.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.09 361.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.61 361.10 Td (this ) Tj ET Q q 0 0 0 rg BT 108.25 361.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 140.98 361.10 Td (requiring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.83 361.10 Td ($6.3 ) Tj ET Q q 0 0 0 rg BT 199.52 361.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.41 361.10 Td ( ) Tj ET Q q 0 0 0 rg BT 230.61 361.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.13 361.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 274.42 361.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 322.71 361.10 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 360.00 361.10 Td (The ) Tj ET Q q 0 0 0 rg BT 377.74 361.10 Td (most ) Tj ET Q q 0 0 0 rg BT 399.39 361.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 443.79 361.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 493.20 361.10 Td (in ) Tj ET Q q 0 0 0 rg BT 503.17 361.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 540.91 361.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 88.48 349.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 121.40 349.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 169.33 349.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 203.92 349.10 Td (from ) Tj ET Q q 0 0 0 rg BT 225.18 349.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 247.01 349.10 Td (to ) Tj ET Q q 0 0 0 rg BT 256.62 349.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 278.44 349.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 315.25 349.10 Td (within ) Tj ET Q q 0 0 0 rg BT 342.63 349.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.68 349.10 Td (of) Tj ET Q q 0 0 0 rg BT 364.83 349.10 Td (fice, ) Tj ET Q q 0 0 0 rg BT 384.14 349.10 Td (industrial ) Tj ET Q q 0 0 0 rg BT 423.74 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.01 349.10 Td (mixed ) Tj ET Q q 0 0 0 rg BT 466.83 349.10 Td (use ) Tj ET Q q 0 0 0 rg BT 481.99 349.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.25 349.10 Td (other ) Tj ET Q q 0 0 0 rg BT 520.63 349.10 Td (portfolios. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 337.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.98 337.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 105.38 337.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 151.70 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.46 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.10 337.10 Td (of) Tj ET Q q 0 0 0 rg BT 185.25 337.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 202.67 337.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 240.10 337.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 279.18 337.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 312.71 337.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 361.24 337.10 Td (decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.08 337.10 Td ($6.0 ) Tj ET Q q 0 0 0 rg BT 423.01 337.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.90 337.10 Td ( ) Tj ET Q q 0 0 0 rg BT 454.33 337.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 493.98 337.10 Td (as ) Tj ET Q q 0 0 0 rg BT 504.74 337.10 Td (a ) Tj ET Q q 0 0 0 rg BT 511.61 337.10 Td (result ) Tj ET Q q 0 0 0 rg BT 536.25 337.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.01 337.10 Td (two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.01 325.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 107.46 325.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 168.11 325.10 Td ($5.1 ) Tj ET Q q 0 0 0 rg BT 188.51 325.10 Td (million ) Tj ET Q q 0 0 0 rg BT 220.30 325.10 Td (being ) Tj ET Q q 0 0 0 rg BT 245.42 325.10 Td (resolved ) Tj ET Q q 0 0 0 rg BT 282.19 325.10 Td (in ) Tj ET Q q 0 0 0 rg BT 292.87 325.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 318.26 325.10 Td ( ) Tj ET Q q 0 0 0 rg BT 320.95 325.10 Td (The ) Tj ET Q q 0 0 0 rg BT 339.40 325.10 Td (industrial ) Tj ET Q q 0 0 0 rg BT 380.07 325.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 417.96 325.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 451.39 325.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 492.04 325.10 Td ($8.2 ) Tj ET Q q 0 0 0 rg BT 512.44 325.10 Td (million ) Tj ET Q q 0 0 0 rg BT 544.23 325.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.82 313.10 Td (related ) Tj ET Q q 0 0 0 rg BT 92.63 313.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 125.34 313.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 173.04 313.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 215.74 313.10 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 234.85 313.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 267.85 313.10 Td ( ) Tj ET Q q 0 0 0 rg BT 269.34 313.10 Td (This ) Tj ET Q q 0 0 0 rg BT 288.73 313.10 Td (fluctuation ) Tj ET Q q 0 0 0 rg BT 333.66 313.10 Td (was ) Tj ET Q q 0 0 0 rg BT 350.82 313.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 389.64 313.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.46 313.10 Td (result ) Tj ET Q q 0 0 0 rg BT 427.29 313.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.23 313.10 Td (one ) Tj ET Q q 0 0 0 rg BT 453.27 313.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 472.10 313.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 504.26 313.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td ($7.3 ) Tj ET Q q 0 0 0 rg BT 71.03 301.10 Td (million ) Tj ET Q q 0 0 0 rg BT 103.44 301.10 Td (becoming ) Tj ET Q q 0 0 0 rg BT 146.40 301.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 213.24 301.10 Td (during ) Tj ET Q q 0 0 0 rg BT 242.88 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.62 301.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 290.19 301.10 Td ( ) Tj ET Q q 0 0 0 rg BT 292.94 301.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 342.84 301.10 Td (, ) Tj ET Q q 0 0 0 rg BT 348.87 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.61 301.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 403.11 301.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 450.52 301.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.37 301.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.11 301.10 Td (mixed ) Tj ET Q q 0 0 0 rg BT 506.63 301.10 Td (use ) Tj ET Q q 0 0 0 rg BT 523.49 301.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 301.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 88.56 289.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 128.78 289.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 163.44 289.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 213.10 289.10 Td (decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.08 289.10 Td ($14.2 ) Tj ET Q q 0 0 0 rg BT 282.14 289.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.04 289.10 Td ( ) Tj ET Q q 0 0 0 rg BT 314.60 289.10 Td (with ) Tj ET Q q 0 0 0 rg BT 335.94 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.72 289.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 386.38 289.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 436.04 289.10 Td (decreasing ) Tj ET Q q 0 0 0 rg BT 482.36 289.10 Td ($1.7 ) Tj ET Q q 0 0 0 rg BT 503.43 289.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 538.13 289.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 99.82 277.10 Td (were ) Tj ET Q q 0 0 0 rg BT 121.85 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.67 277.10 Td (result ) Tj ET Q q 0 0 0 rg BT 161.49 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.43 277.10 Td (two ) Tj ET Q q 0 0 0 rg BT 190.03 277.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 213.75 277.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 246.90 277.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 307.27 277.10 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 327.37 277.10 Td (million ) Tj ET Q q 0 0 0 rg BT 358.87 277.10 Td (no ) Tj ET Q q 0 0 0 rg BT 371.47 277.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 399.63 277.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 438.89 277.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.93 277.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 479.63 277.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 511.10 277.10 Td (at ) Tj ET Q q 0 0 0 rg BT 520.92 277.10 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 66.34 265.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 90.18 265.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.46 265.10 Td (one ) Tj ET Q q 0 0 0 rg BT 126.74 265.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 170.57 265.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 191.63 265.10 Td (totaling ) Tj ET Q q 0 0 0 rg BT 226.02 265.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 287.63 265.10 Td ($2.7 ) Tj ET Q q 0 0 0 rg BT 308.97 265.10 Td (million ) Tj ET Q q 0 0 0 rg BT 341.70 265.10 Td (being ) Tj ET Q q 0 0 0 rg BT 367.76 265.10 Td (resolved ) Tj ET Q q 0 0 0 rg BT 405.48 265.10 Td (during ) Tj ET Q q 0 0 0 rg BT 435.43 265.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.48 265.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 483.37 265.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.21 265.10 Td (See ) Tj ET Q q 0 0 0 rg BT 505.49 265.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 528.77 265.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 537.61 265.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 265.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 105.07 253.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 144.58 253.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 190.77 253.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.84 253.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 221.47 253.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 228.77 253.10 Td (for ) Tj ET Q q 0 0 0 rg BT 242.73 253.10 Td (further ) Tj ET Q q 0 0 0 rg BT 272.24 253.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 316.21 253.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.84 253.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 364.68 253.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 388.09 253.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.82 253.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.34 253.10 Td (related ) Tj ET Q q 0 0 0 rg BT 448.84 253.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 482.24 253.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 530.63 253.10 Td (reserve.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (General Reserves:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.08 211.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 89.37 211.10 Td (with ) Tj ET Q q 0 0 0 rg BT 109.33 211.10 Td (a ) Tj ET Q q 0 0 0 rg BT 115.95 211.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 140.90 211.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 158.08 211.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 183.59 211.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.11 211.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 201.29 211.10 Td (through ) Tj ET Q q 0 0 0 rg BT 234.58 211.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 241.77 211.10 Td (that ) Tj ET Q q 0 0 0 rg BT 258.95 211.10 Td (are ) Tj ET Q q 0 0 0 rg BT 273.34 211.10 Td (not ) Tj ET Q q 0 0 0 rg BT 288.30 211.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 333.80 211.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 371.53 211.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 397.32 211.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 432.26 211.10 Td (are ) Tj ET Q q 0 0 0 rg BT 446.65 211.10 Td (established ) Tj ET Q q 0 0 0 rg BT 493.27 211.10 Td (based ) Tj ET Q q 0 0 0 rg BT 518.22 211.10 Td (on ) Tj ET Q q 0 0 0 rg BT 530.41 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.81 211.10 Td (type ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.68 199.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 80.25 199.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 122.29 199.10 Td (if ) Tj ET Q q 0 0 0 rg BT 130.75 199.10 Td (any) Tj ET Q q 0 0 0 rg BT 144.54 199.10 Td (, ) Tj ET Q q 0 0 0 rg BT 149.39 199.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.18 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.75 199.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 217.54 199.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 242.65 199.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 260.00 199.10 Td (rating. ) Tj ET Q q 0 0 0 rg BT 288.18 199.10 Td (Determination ) Tj ET Q q 0 0 0 rg BT 348.28 199.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.96 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.53 199.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 416.41 199.10 Td (is ) Tj ET Q q 0 0 0 rg BT 425.43 199.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 468.33 199.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 511.22 199.10 Td (as ) Tj ET Q q 0 0 0 rg BT 521.90 199.10 Td (it ) Tj ET Q q 0 0 0 rg BT 529.80 199.10 Td (requires ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 94.15 187.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 135.80 187.10 Td (including ) Tj ET Q q 0 0 0 rg BT 175.51 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.67 187.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 225.49 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 241.87 187.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 269.92 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.19 187.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 317.66 187.10 Td (future ) Tj ET Q q 0 0 0 rg BT 343.48 187.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 363.18 187.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 387.34 187.10 Td (on ) Tj ET Q q 0 0 0 rg BT 399.28 187.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 436.76 187.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 462.31 187.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 502.57 187.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 528.40 187.10 Td (on ) Tj ET Q q 0 0 0 rg BT 540.34 187.10 Td (pools ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 62.07 175.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 121.36 175.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.21 175.10 Td (based ) Tj ET Q q 0 0 0 rg BT 172.71 175.10 Td (on ) Tj ET Q q 0 0 0 rg BT 186.46 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.41 175.10 Td (average ) Tj ET Q q 0 0 0 rg BT 237.24 175.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 278.19 175.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 297.49 175.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 344.53 175.10 Td (over ) Tj ET Q q 0 0 0 rg BT 366.04 175.10 Td (a ) Tj ET Q q 0 0 0 rg BT 374.22 175.10 Td (five-year ) Tj ET Q q 0 0 0 rg BT 414.04 175.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 445.83 175.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.01 175.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 521.62 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 533.69 175.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (environmental ) Tj ET Q q 0 0 0 rg BT 110.26 163.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 139.97 163.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.90 163.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 198.28 163.10 Td (trends, ) Tj ET Q q 0 0 0 rg BT 227.71 163.10 Td (all ) Tj ET Q q 0 0 0 rg BT 240.21 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.04 163.10 Td (which ) Tj ET Q q 0 0 0 rg BT 277.98 163.10 Td (may ) Tj ET Q q 0 0 0 rg BT 297.70 163.10 Td (be ) Tj ET Q q 0 0 0 rg BT 309.63 163.10 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 356.57 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 366.85 163.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 411.56 163.10 Td (change.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 142.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.02 142.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 108.94 142.10 Td (this ) Tj ET Q q 0 0 0 rg BT 126.33 142.10 Td (component ) Tj ET Q q 0 0 0 rg BT 173.70 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.97 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.13 142.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 243.60 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 258.21 142.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 278.36 142.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 305.20 142.10 Td (by ) Tj ET Q q 0 0 0 rg BT 318.14 142.10 Td (classifying ) Tj ET Q q 0 0 0 rg BT 364.40 142.10 Td (each ) Tj ET Q q 0 0 0 rg BT 385.66 142.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 405.82 142.10 Td (into ) Tj ET Q q 0 0 0 rg BT 424.31 142.10 Td (\(i\)categories ) Tj ET Q q 0 0 0 rg BT 479.73 142.10 Td (based ) Tj ET Q q 0 0 0 rg BT 505.44 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 518.38 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.53 142.10 Td (type ) Tj ET Q q 0 0 0 rg BT 553.69 142.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 89.36 130.10 Td (that ) Tj ET Q q 0 0 0 rg BT 106.52 130.10 Td (secures ) Tj ET Q q 0 0 0 rg BT 138.11 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.49 130.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 171.87 130.10 Td (\(if ) Tj ET Q q 0 0 0 rg BT 183.47 130.10 Td (any\), ) Tj ET Q q 0 0 0 rg BT 205.90 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.50 130.10 Td (\(ii\)one ) Tj ET Q q 0 0 0 rg BT 253.81 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.31 130.10 Td (ten ) Tj ET Q q 0 0 0 rg BT 278.69 130.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 321.38 130.10 Td (based ) Tj ET Q q 0 0 0 rg BT 346.31 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 358.47 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.85 130.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 397.78 130.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 414.94 130.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 440.43 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.92 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.30 130.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 487.18 130.10 Td (as ) Tj ET Q q 0 0 0 rg BT 497.67 130.10 Td (described ) Tj ET Q q 0 0 0 rg BT 538.15 130.10 Td (above ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.45 118.10 Td (Past ) Tj ET Q q 0 0 0 rg BT 99.23 118.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 118.57 118.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 145.69 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.81 118.10 Td (Non-Performing ) Tj ET Q q 0 0 0 rg BT 230.99 118.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 264.22 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 274.68 118.10 Td (this ) Tj ET Q q 0 0 0 rg BT 291.80 118.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 312.81 118.10 Td (7. ) Tj ET Q q 0 0 0 rg BT 322.99 118.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 345.65 118.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 398.32 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.33 118.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 449.20 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.32 118.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 491.76 118.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 509.44 118.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 535.44 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 544.79 118.10 Td (then ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 86.94 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 93.88 106.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 127.47 106.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 145.53 106.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 171.35 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 188.84 106.10 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 240.77 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.48 106.10 Td (following ) Tj ET Q q 0 0 0 rg BT 296.87 106.10 Td (factors:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 95.30 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 83.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 83.30 Td (historical ) Tj ET Q q 0 0 0 rg BT 115.06 83.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 133.12 83.30 Td (experience;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 71.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 71.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 110.63 71.30 Td (in ) Tj ET Q q 0 0 0 rg BT 121.48 71.30 Td (lending ) Tj ET Q q 0 0 0 rg BT 154.54 71.30 Td (policies ) Tj ET Q q 0 0 0 rg BT 188.72 71.30 Td (and ) Tj ET Q q 0 0 0 rg BT 206.23 71.30 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 255.67 71.30 Td (including ) Tj ET Q q 0 0 0 rg BT 296.51 71.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 331.79 71.30 Td (in ) Tj ET Q q 0 0 0 rg BT 342.64 71.30 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 397.37 71.30 Td (standards ) Tj ET Q q 0 0 0 rg BT 438.21 71.30 Td (and ) Tj ET Q q 0 0 0 rg BT 455.72 71.30 Td (collection, ) Tj ET Q q 0 0 0 rg BT 500.72 71.30 Td (char) Tj ET Q q 0 0 0 rg BT 517.74 71.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 538.66 71.30 Td (f, ) Tj ET Q q 0 0 0 rg BT 547.56 71.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 59.30 Td (recovery ) Tj ET Q q 0 0 0 rg BT 112.83 59.30 Td (practices ) Tj ET Q q 0 0 0 rg BT 150.86 59.30 Td (not ) Tj ET Q q 0 0 0 rg BT 166.14 59.30 Td (considered ) Tj ET Q q 0 0 0 rg BT 211.95 59.30 Td (elsewhere ) Tj ET Q q 0 0 0 rg BT 254.43 59.30 Td (in ) Tj ET Q q 0 0 0 rg BT 264.71 59.30 Td (estimating ) Tj ET Q q 0 0 0 rg BT 308.87 59.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 334.13 59.30 Td (losses;) Tj ET Q endstream endobj 173 0 obj <> endobj 174 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (86) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 109.76 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.75 742.10 Td (national, ) Tj ET Q q 0 0 0 rg BT 156.67 742.10 Td (regional, ) Tj ET Q q 0 0 0 rg BT 194.14 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.78 742.10 Td (local ) Tj ET Q q 0 0 0 rg BT 232.43 742.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 273.50 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.15 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 326.25 742.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 370.12 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.77 742.10 Td (developments ) Tj ET Q q 0 0 0 rg BT 444.52 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 461.72 742.10 Td (af) Tj ET Q q 0 0 0 rg BT 469.31 742.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 486.50 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.92 742.10 Td (collectibility ) Tj ET Q q 0 0 0 rg BT 553.67 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.07 730.10 Td (portfolio;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 718.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 110.06 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.34 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.05 718.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 162.54 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.48 718.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 211.97 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.80 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.52 718.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 275.01 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.95 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 302.23 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.95 718.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 341.66 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 352.49 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.21 718.10 Td (loans;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 706.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 110.06 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.34 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.05 706.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 183.35 706.10 Td (ability) Tj ET Q q 0 0 0 rg BT 208.26 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 213.26 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.19 706.10 Td (depth ) Tj ET Q q 0 0 0 rg BT 254.91 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.74 706.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 298.24 706.10 Td (management ) Tj ET Q q 0 0 0 rg BT 351.82 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.76 706.10 Td (other ) Tj ET Q q 0 0 0 rg BT 391.81 706.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 426.51 706.10 Td (staf) Tj ET Q q 0 0 0 rg BT 440.77 706.10 Td (f;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 694.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 694.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 110.73 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.68 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.07 694.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 170.24 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.85 694.10 Td (severity ) Tj ET Q q 0 0 0 rg BT 222.68 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.18 694.10 Td (past ) Tj ET Q q 0 0 0 rg BT 253.46 694.10 Td (due ) Tj ET Q q 0 0 0 rg BT 271.07 694.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 297.85 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.24 694.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 346.41 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.92 694.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 408.28 694.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 435.06 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.67 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.06 694.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 501.23 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.84 694.10 Td (severity ) Tj ET Q q 0 0 0 rg BT 553.67 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 682.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 116.17 682.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 156.43 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 167.26 682.10 Td (graded ) Tj ET Q q 0 0 0 rg BT 196.97 682.10 Td (loans;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 670.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 110.06 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.34 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.05 670.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 165.33 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.16 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.87 670.10 Td (bank) Tj ET Q q 0 0 0 rg BT 213.09 670.10 Td (s ) Tj ET Q q 0 0 0 rg BT 219.48 670.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 239.20 670.10 Td (review ) Tj ET Q q 0 0 0 rg BT 268.90 670.10 Td (system;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 658.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 110.06 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.34 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.05 658.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 180.88 658.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 220.57 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 234.73 658.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 274.43 658.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 318.03 658.10 Td (loans;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.07 646.10 Td (existence ) Tj ET Q q 0 0 0 rg BT 129.77 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.71 646.10 Td (ef) Tj ET Q q 0 0 0 rg BT 154.30 646.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.78 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.61 646.10 Td (any ) Tj ET Q q 0 0 0 rg BT 199.55 646.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 260.36 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.19 646.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 298.95 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.89 646.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 350.60 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 360.88 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.59 646.10 Td (level ) Tj ET Q q 0 0 0 rg BT 397.53 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.36 646.10 Td (such ) Tj ET Q q 0 0 0 rg BT 429.19 646.10 Td (concentrations; ) Tj ET Q q 0 0 0 rg BT 492.78 646.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.49 634.10 Td (ef) Tj ET Q q 0 0 0 rg BT 97.07 634.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 113.98 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.23 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 146.69 634.10 Td (external ) Tj ET Q q 0 0 0 rg BT 180.81 634.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 209.94 634.10 Td (such ) Tj ET Q q 0 0 0 rg BT 230.19 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 240.44 634.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 290.13 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.48 634.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 327.84 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.19 634.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 387.21 634.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 441.33 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 453.25 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.38 634.10 Td (level ) Tj ET Q q 0 0 0 rg BT 488.73 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.98 634.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 539.22 634.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 622.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 101.74 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.02 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.74 622.10 Td (bank) Tj ET Q q 0 0 0 rg BT 148.95 622.10 Td (s ) Tj ET Q q 0 0 0 rg BT 155.35 622.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 189.51 622.10 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.50 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.88 598.10 Td (second ) Tj ET Q q 0 0 0 rg BT 104.81 598.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 135.29 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 145.79 598.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 170.45 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.84 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 225.89 598.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 264.16 598.10 Td (its ) Tj ET Q q 0 0 0 rg BT 275.77 598.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 315.15 598.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 332.88 598.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 378.34 598.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 412.72 598.10 Td (from ) Tj ET Q q 0 0 0 rg BT 434.33 598.10 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 490.37 598.10 Td (five-year ) Tj ET Q q 0 0 0 rg BT 530.93 598.10 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 68.57 586.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 86.57 586.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 139.03 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.82 586.10 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 206.71 586.10 Td (three-year ) Tj ET Q q 0 0 0 rg BT 252.55 586.10 Td (average ) Tj ET Q q 0 0 0 rg BT 286.65 586.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 305.22 586.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 323.22 586.10 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 377.97 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 396.53 586.10 Td (reason ) Tj ET Q q 0 0 0 rg BT 425.64 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 440.31 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.54 586.10 Td (migration ) Tj ET Q q 0 0 0 rg BT 497.43 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 507.66 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 525.67 586.10 Td (time ) Tj ET Q q 0 0 0 rg BT 546.46 586.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 574.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 87.94 574.10 Td (f ) Tj ET Q q 0 0 0 rg BT 93.60 574.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 114.81 574.10 Td (from ) Tj ET Q q 0 0 0 rg BT 136.58 574.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 164.44 574.10 Td (years ) Tj ET Q q 0 0 0 rg BT 187.87 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.98 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.53 574.10 Td (five-year ) Tj ET Q q 0 0 0 rg BT 250.94 574.10 Td (period ) Tj ET Q q 0 0 0 rg BT 278.82 574.10 Td (were ) Tj ET Q q 0 0 0 rg BT 300.58 574.10 Td (no ) Tj ET Q q 0 0 0 rg BT 312.91 574.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 340.79 574.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 375.32 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 385.98 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 403.31 574.10 Td (period ) Tj ET Q q 0 0 0 rg BT 431.19 574.10 Td (was ) Tj ET Q q 0 0 0 rg BT 449.07 574.10 Td (characterized ) Tj ET Q q 0 0 0 rg BT 504.68 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 517.02 574.10 Td (historically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (low ) Tj ET Q q 0 0 0 rg BT 67.15 562.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 92.06 562.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 118.10 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 144.68 562.10 Td (then ) Tj ET Q q 0 0 0 rg BT 164.05 562.10 Td (built ) Tj ET Q q 0 0 0 rg BT 184.53 562.10 Td (up ) Tj ET Q q 0 0 0 rg BT 196.68 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.60 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 213.19 562.10 Td (peak ) Tj ET Q q 0 0 0 rg BT 234.21 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 244.14 562.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.05 562.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 295.09 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 305.57 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 312.15 562.10 Td (result ) Tj ET Q q 0 0 0 rg BT 336.52 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.00 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.36 562.10 Td (stressed ) Tj ET Q q 0 0 0 rg BT 395.17 562.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 436.19 562.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 488.88 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 505.46 562.10 Td (depressed ) Tj ET Q q 0 0 0 rg BT 547.04 562.10 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.26 550.10 Td (valuations ) Tj ET Q q 0 0 0 rg BT 118.87 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 136.36 550.10 Td (af) Tj ET Q q 0 0 0 rg BT 143.95 550.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 170.87 550.10 Td (both ) Tj ET Q q 0 0 0 rg BT 191.15 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.87 550.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 226.15 550.10 Td (economy) Tj ET Q q 0 0 0 rg BT 262.16 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 267.16 550.10 Td (generally) Tj ET Q q 0 0 0 rg BT 303.71 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 308.71 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.65 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.37 550.10 Td (Company) Tj ET Q q 0 0 0 rg BT 382.03 550.10 Td (s ) Tj ET Q q 0 0 0 rg BT 388.42 550.10 Td (local ) Tj ET Q q 0 0 0 rg BT 410.36 550.10 Td (markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.27 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.44 526.10 Td (second ) Tj ET Q q 0 0 0 rg BT 107.15 526.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 138.41 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.68 526.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 175.13 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.29 526.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 232.12 526.10 Td (returned ) Tj ET Q q 0 0 0 rg BT 268.38 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.10 526.10 Td (incorporating ) Tj ET Q q 0 0 0 rg BT 335.92 526.10 Td (five-year ) Tj ET Q q 0 0 0 rg BT 374.95 526.10 Td (average ) Tj ET Q q 0 0 0 rg BT 408.97 526.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 427.48 526.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 445.41 526.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 497.80 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 512.41 526.10 Td (its ) Tj ET Q q 0 0 0 rg BT 524.80 526.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 68.13 514.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 114.00 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.35 514.10 Td (capture ) Tj ET Q q 0 0 0 rg BT 156.34 514.10 Td (an ) Tj ET Q q 0 0 0 rg BT 168.34 514.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 207.01 514.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 232.34 514.10 Td (cycle. ) Tj ET Q q 0 0 0 rg BT 258.32 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 276.43 514.10 Td (five-year ) Tj ET Q q 0 0 0 rg BT 315.08 514.10 Td (average ) Tj ET Q q 0 0 0 rg BT 348.74 514.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 366.87 514.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 384.42 514.10 Td (assumption ) Tj ET Q q 0 0 0 rg BT 432.54 514.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 467.33 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 476.57 514.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 518.57 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 532.80 514.10 Td (each ) Tj ET Q q 0 0 0 rg BT 553.68 514.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.77 502.10 Td (Company) Tj ET Q q 0 0 0 rg BT 106.44 502.10 Td (s ) Tj ET Q q 0 0 0 rg BT 112.88 502.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 152.63 502.10 Td (codes. ) Tj ET Q q 0 0 0 rg BT 180.27 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 198.37 502.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 238.14 502.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 256.25 502.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 302.11 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 311.33 502.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 353.32 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 373.65 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.42 502.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 422.07 502.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 440.18 502.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 466.05 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 480.26 502.10 Td (each ) Tj ET Q q 0 0 0 rg BT 501.13 502.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 553.68 502.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 89.49 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.23 490.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 131.28 490.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 148.58 490.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 174.20 490.10 Td (which ) Tj ET Q q 0 0 0 rg BT 200.93 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 209.90 490.10 Td (then ) Tj ET Q q 0 0 0 rg BT 229.41 490.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 261.14 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.21 490.10 Td (each ) Tj ET Q q 0 0 0 rg BT 291.82 490.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 334.67 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 354.18 490.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 387.01 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.08 490.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 439.36 490.10 Td (an ) Tj ET Q q 0 0 0 rg BT 451.09 490.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 498.92 490.10 Td (general ) Tj ET Q q 0 0 0 rg BT 530.63 490.10 Td (reserve. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.32 478.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 108.31 478.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 126.65 478.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 148.30 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 163.28 478.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 197.71 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 210.49 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 217.71 478.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 256.57 478.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 279.35 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.56 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 311.55 478.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 339.87 478.10 Td (by ) Tj ET Q q 0 0 0 rg BT 352.65 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.64 478.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 420.94 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.04 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.04 478.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 484.81 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 502.02 478.10 Td (any ) Tj ET Q q 0 0 0 rg BT 519.24 478.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.22 478.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.54 466.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 99.97 466.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 118.85 466.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 149.39 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 164.92 466.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 193.80 466.10 Td (by ) Tj ET Q q 0 0 0 rg BT 207.13 466.10 Td (management ) Tj ET Q q 0 0 0 rg BT 261.54 466.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 302.64 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.41 466.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 355.95 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.61 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.16 466.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 413.69 466.10 Td (described ) Tj ET Q q 0 0 0 rg BT 455.33 466.10 Td (above. ) Tj ET Q q 0 0 0 rg BT 484.80 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 503.67 466.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 545.89 466.10 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (analyzes ) Tj ET Q q 0 0 0 rg BT 86.92 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.64 454.10 Td (three- ) Tj ET Q q 0 0 0 rg BT 127.46 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.39 454.10 Td (four) Tj ET Q q 0 0 0 rg BT 160.85 454.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 183.89 454.10 Td (average ) Tj ET Q q 0 0 0 rg BT 217.48 454.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 257.19 454.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 275.25 454.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 296.63 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 309.13 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 316.06 454.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 354.66 454.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 377.16 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 387.99 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 394.93 454.10 Td (comparison.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Home Equity and Residential Real Estate Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.42 409.10 Td (determination ) Tj ET Q q 0 0 0 rg BT 126.84 409.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.05 409.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.14 409.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 201.55 409.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 244.96 409.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.50 409.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 279.59 409.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 306.36 409.10 Td (for ) Tj ET Q q 0 0 0 rg BT 320.90 409.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 365.43 409.10 Td (real ) Tj ET Q q 0 0 0 rg BT 383.29 409.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 408.93 409.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.25 409.10 Td (home ) Tj ET Q q 0 0 0 rg BT 451.34 409.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 479.21 409.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 503.20 409.10 Td (dif) Tj ET Q q 0 0 0 rg BT 514.13 409.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 531.99 409.10 Td (slightly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (from ) Tj ET Q q 0 0 0 rg BT 70.93 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.64 397.10 Td (process ) Tj ET Q q 0 0 0 rg BT 116.13 397.10 Td (used ) Tj ET Q q 0 0 0 rg BT 135.95 397.10 Td (for ) Tj ET Q q 0 0 0 rg BT 149.11 397.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 197.80 397.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.73 397.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 262.42 397.10 Td (real ) Tj ET Q q 0 0 0 rg BT 278.90 397.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 303.16 397.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 328.15 397.10 Td (The ) Tj ET Q q 0 0 0 rg BT 345.19 397.10 Td (same ) Tj ET Q q 0 0 0 rg BT 367.24 397.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 391.49 397.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 407.99 397.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 432.81 397.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 464.58 397.10 Td (Problem ) Tj ET Q q 0 0 0 rg BT 499.96 397.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 522.00 397.10 Td (Reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 83.10 385.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 123.13 385.10 Td (coding ) Tj ET Q q 0 0 0 rg BT 153.17 385.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 208.77 385.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.04 385.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 244.42 385.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 270.56 385.10 Td (assignment ) Tj ET Q q 0 0 0 rg BT 318.39 385.10 Td (are ) Tj ET Q q 0 0 0 rg BT 333.42 385.10 Td (used. ) Tj ET Q q 0 0 0 rg BT 356.87 385.10 Td (The ) Tj ET Q q 0 0 0 rg BT 375.24 385.10 Td (only ) Tj ET Q q 0 0 0 rg BT 395.85 385.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 440.89 385.10 Td (dif) Tj ET Q q 0 0 0 rg BT 451.81 385.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 484.05 385.10 Td (is ) Tj ET Q q 0 0 0 rg BT 493.55 385.10 Td (in ) Tj ET Q q 0 0 0 rg BT 504.15 385.10 Td (how ) Tj ET Q q 0 0 0 rg BT 524.20 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.25 385.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.50 373.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 97.22 373.10 Td (are ) Tj ET Q q 0 0 0 rg BT 111.92 373.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 148.86 373.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.14 373.10 Td (these ) Tj ET Q q 0 0 0 rg BT 182.19 373.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.94 352.10 Td (home ) Tj ET Q q 0 0 0 rg BT 94.56 352.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 122.95 352.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.56 352.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 181.95 352.10 Td (is ) Tj ET Q q 0 0 0 rg BT 192.02 352.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 232.06 352.10 Td (on ) Tj ET Q q 0 0 0 rg BT 245.45 352.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.29 352.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 273.90 352.10 Td (by ) Tj ET Q q 0 0 0 rg BT 287.30 352.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 307.91 352.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 331.31 352.10 Td (by ) Tj ET Q q 0 0 0 rg BT 344.70 352.10 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 386.97 352.10 Td (current ) Tj ET Q q 0 0 0 rg BT 418.68 352.10 Td (FICO ) Tj ET Q q 0 0 0 rg BT 444.86 352.10 Td (scores ) Tj ET Q q 0 0 0 rg BT 473.25 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.97 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.59 352.10 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 547.02 352.10 Td (line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (availability) Tj ET Q q 0 0 0 rg BT 94.34 340.10 Td (, ) Tj ET Q q 0 0 0 rg BT 99.44 340.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 126.47 340.10 Td (line ) Tj ET Q q 0 0 0 rg BT 144.07 340.10 Td (usage, ) Tj ET Q q 0 0 0 rg BT 171.94 340.10 Td (an ) Tj ET Q q 0 0 0 rg BT 183.99 340.10 Td (approaching ) Tj ET Q q 0 0 0 rg BT 236.02 340.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 272.50 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.55 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.37 340.10 Td (aging ) Tj ET Q q 0 0 0 rg BT 329.19 340.10 Td (status ) Tj ET Q q 0 0 0 rg BT 354.57 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.51 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.33 340.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 402.65 340.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 434.69 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.63 340.10 Td (these ) Tj ET Q q 0 0 0 rg BT 468.78 340.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 501.09 340.10 Td (or ) Tj ET Q q 0 0 0 rg BT 512.02 340.10 Td (combination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.67 328.10 Td (these ) Tj ET Q q 0 0 0 rg BT 83.56 328.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 115.60 328.10 Td (may ) Tj ET Q q 0 0 0 rg BT 135.16 328.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 159.71 328.10 Td (a ) Tj ET Q q 0 0 0 rg BT 166.49 328.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 197.72 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.39 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.94 328.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.05 328.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 265.39 328.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 294.94 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.61 328.10 Td (home ) Tj ET Q q 0 0 0 rg BT 330.17 328.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 357.51 328.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 380.96 328.10 Td (across ) Tj ET Q q 0 0 0 rg BT 408.29 328.10 Td (all ) Tj ET Q q 0 0 0 rg BT 420.62 328.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 446.29 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.41 328.10 Td (be ) Tj ET Q q 0 0 0 rg BT 468.19 328.10 Td (downgraded. ) Tj ET Q q 0 0 0 rg BT 522.46 328.10 Td (Similar ) Tj ET Q q 0 0 0 rg BT 554.24 328.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.16 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.56 316.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 167.71 316.10 Td (real ) Tj ET Q q 0 0 0 rg BT 185.66 316.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 211.38 316.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 237.95 316.10 Td (once ) Tj ET Q q 0 0 0 rg BT 259.79 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 267.19 316.10 Td (home ) Tj ET Q q 0 0 0 rg BT 292.37 316.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 320.32 316.10 Td (loan) Tj ET Q q 0 0 0 rg BT 340.32 316.10 Td (s ) Tj ET Q q 0 0 0 rg BT 347.17 316.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 372.89 316.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 390.85 316.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 417.14 316.10 Td (is ) Tj ET Q q 0 0 0 rg BT 426.77 316.10 Td (downgraded ) Tj ET Q q 0 0 0 rg BT 479.16 316.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.90 316.10 Td (a ) Tj ET Q q 0 0 0 rg BT 497.30 316.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 505.26 316.10 Td (through ) Tj ET Q q 0 0 0 rg BT 539.33 316.10 Td (9, ) Tj ET Q q 0 0 0 rg BT 549.79 316.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 304.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.43 304.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 137.87 304.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 162.96 304.10 Td (Division ) Tj ET Q q 0 0 0 rg BT 200.27 304.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 234.24 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.55 304.10 Td (advises ) Tj ET Q q 0 0 0 rg BT 283.86 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.94 304.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 342.92 304.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 369.12 304.10 Td (as ) Tj ET Q q 0 0 0 rg BT 380.32 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 390.96 304.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 431.03 304.10 Td (valuations ) Tj ET Q q 0 0 0 rg BT 475.00 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.31 304.10 Td (as ) Tj ET Q q 0 0 0 rg BT 503.51 304.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.15 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.24 304.10 Td (ultimate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 92.50 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.33 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.04 292.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 147.20 292.10 Td (that ) Tj ET Q q 0 0 0 rg BT 164.69 292.10 Td (deteriorate ) Tj ET Q q 0 0 0 rg BT 209.94 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.22 292.10 Td (a ) Tj ET Q q 0 0 0 rg BT 227.16 292.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 276.85 292.10 Td (status ) Tj ET Q q 0 0 0 rg BT 302.13 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.41 292.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 352.68 292.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (Residential ) Tj ET Q q 0 0 0 rg BT 97.06 271.10 Td (real ) Tj ET Q q 0 0 0 rg BT 114.11 271.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 138.94 271.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 162.12 271.10 Td (that ) Tj ET Q q 0 0 0 rg BT 179.18 271.10 Td (are ) Tj ET Q q 0 0 0 rg BT 193.46 271.10 Td (downgraded ) Tj ET Q q 0 0 0 rg BT 244.95 271.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.80 271.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.31 271.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 286.14 271.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 303.21 271.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 328.60 271.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.00 271.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 346.06 271.10 Td (through ) Tj ET Q q 0 0 0 rg BT 379.24 271.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 386.31 271.10 Td (also ) Tj ET Q q 0 0 0 rg BT 404.48 271.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 426.54 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.82 271.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 476.22 271.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 495.50 271.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 534.22 271.10 Td (system ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 259.10 Td (have ) Tj ET Q q 0 0 0 rg BT 88.32 259.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.03 259.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 148.86 259.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 188.55 259.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 229.37 259.10 Td (by ) Tj ET Q q 0 0 0 rg BT 241.87 259.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.58 259.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 295.74 259.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 324.35 259.10 Td (Division.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 238.10 Td (emium Finance Receivables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.35 217.10 Td (determination ) Tj ET Q q 0 0 0 rg BT 126.70 217.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.83 217.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.86 217.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 201.20 217.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 244.54 217.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.00 217.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 279.03 217.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 305.72 217.10 Td (for ) Tj ET Q q 0 0 0 rg BT 320.19 217.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 359.10 217.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 391.33 217.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 439.11 217.10 Td (is ) Tj ET Q q 0 0 0 rg BT 448.58 217.10 Td (based ) Tj ET Q q 0 0 0 rg BT 474.16 217.10 Td (on ) Tj ET Q q 0 0 0 rg BT 486.97 217.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.99 217.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 539.24 217.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.03 205.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 92.38 205.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.74 205.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 125.88 205.10 Td (in ) Tj ET Q q 0 0 0 rg BT 135.68 205.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.93 205.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 189.45 205.10 Td (Loss ) Tj ET Q q 0 0 0 rg BT 210.37 205.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 239.60 205.10 Td (are ) Tj ET Q q 0 0 0 rg BT 253.84 205.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 290.30 205.10 Td (to ) Tj ET Q q 0 0 0 rg BT 300.11 205.10 Td (each ) Tj ET Q q 0 0 0 rg BT 320.45 205.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 337.48 205.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 362.83 205.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.64 205.10 Td (order ) Tj ET Q q 0 0 0 rg BT 395.77 205.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.57 205.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 443.13 205.10 Td (an ) Tj ET Q q 0 0 0 rg BT 454.59 205.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 497.15 205.10 Td (for ) Tj ET Q q 0 0 0 rg BT 510.84 205.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 535.63 205.10 Td (losses. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 193.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 111.08 193.10 Td (for ) Tj ET Q q 0 0 0 rg BT 125.24 193.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 144.96 193.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 171.35 193.10 Td (for ) Tj ET Q q 0 0 0 rg BT 185.51 193.10 Td (these ) Tj ET Q q 0 0 0 rg BT 208.55 193.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 251.59 193.10 Td (is ) Tj ET Q q 0 0 0 rg BT 260.76 193.10 Td (entirely ) Tj ET Q q 0 0 0 rg BT 293.80 193.10 Td (a ) Tj ET Q q 0 0 0 rg BT 300.74 193.10 Td (general ) Tj ET Q q 0 0 0 rg BT 332.66 193.10 Td (reserve.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (Effects ) Tj ET Q q 0 0 0 rg BT 79.71 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.99 172.10 Td (Economic ) Tj ET Q q 0 0 0 rg BT 132.48 172.10 Td (Recession ) Tj ET Q q 0 0 0 rg BT 174.96 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.46 172.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 213.29 172.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 240.78 172.10 Td (Market) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.62 151.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 87.34 151.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 113.23 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.74 151.10 Td (Company) Tj ET Q q 0 0 0 rg BT 169.40 151.10 Td (s ) Tj ET Q q 0 0 0 rg BT 175.59 151.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 209.54 151.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 245.98 151.10 Td (which ) Tj ET Q q 0 0 0 rg BT 272.71 151.10 Td (are ) Tj ET Q q 0 0 0 rg BT 287.21 151.10 Td (mostly ) Tj ET Q q 0 0 0 rg BT 316.73 151.10 Td (in ) Tj ET Q q 0 0 0 rg BT 326.80 151.10 Td (suburban ) Tj ET Q q 0 0 0 rg BT 365.76 151.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 403.87 151.10 Td (have ) Tj ET Q q 0 0 0 rg BT 425.04 151.10 Td (not ) Tj ET Q q 0 0 0 rg BT 440.11 151.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 490.71 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.22 151.10 Td (same ) Tj ET Q q 0 0 0 rg BT 528.06 151.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 553.67 151.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 76.19 139.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 130.70 139.10 Td (in ) Tj ET Q q 0 0 0 rg BT 141.91 139.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 186.98 139.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 228.17 139.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.04 139.10 Td (home ) Tj ET Q q 0 0 0 rg BT 271.68 139.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 300.10 139.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 324.63 139.10 Td (as ) Tj ET Q q 0 0 0 rg BT 336.39 139.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 367.01 139.10 Td (other ) Tj ET Q q 0 0 0 rg BT 390.99 139.10 Td (major ) Tj ET Q q 0 0 0 rg BT 417.74 139.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 472.26 139.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 509.84 139.10 Td (however) Tj ET Q q 0 0 0 rg BT 543.87 139.10 Td (, ) Tj ET Q q 0 0 0 rg BT 549.79 139.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 98.33 127.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 133.74 127.10 Td (have ) Tj ET Q q 0 0 0 rg BT 156.37 127.10 Td (clearly ) Tj ET Q q 0 0 0 rg BT 187.33 127.10 Td (been ) Tj ET Q q 0 0 0 rg BT 209.96 127.10 Td (under ) Tj ET Q q 0 0 0 rg BT 236.48 127.10 Td (stress. ) Tj ET Q q 0 0 0 rg BT 264.13 127.10 Td (As ) Tj ET Q q 0 0 0 rg BT 278.99 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.08 127.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 350.91 127.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 377.17 127.10 Td (home ) Tj ET Q q 0 0 0 rg BT 403.14 127.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 431.89 127.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 456.75 127.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.94 127.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 520.34 127.10 Td (mortgages ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.86 115.10 Td (5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.19 115.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.39 115.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.04 115.10 Td (3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.37 115.10 Td (, ) Tj ET Q q 0 0 0 rg BT 148.07 115.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 195.73 115.10 Td (, ) Tj ET Q q 0 0 0 rg BT 201.44 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.97 115.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.39 115.10 Td (Company) Tj ET Q q 0 0 0 rg BT 270.06 115.10 Td (s ) Tj ET Q q 0 0 0 rg BT 277.16 115.10 Td (total ) Tj ET Q q 0 0 0 rg BT 298.13 115.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 318.55 115.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 358.55 115.10 Td (At ) Tj ET Q q 0 0 0 rg BT 371.75 115.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 431.04 115.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 454.24 115.10 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 500.21 115.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 535.06 115.10 Td (loans\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 110.04 103.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.10 103.10 Td (2.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.93 103.10 Td ( ) Tj ET Q q 0 0 0 rg BT 153.21 103.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.82 103.10 Td (all ) Tj ET Q q 0 0 0 rg BT 176.10 103.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.71 103.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.21 103.10 Td (Company) Tj ET Q q 0 0 0 rg BT 242.88 103.10 Td (s ) Tj ET Q q 0 0 0 rg BT 249.05 103.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 292.98 103.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 333.03 103.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 358.92 103.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 400.63 103.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 418.48 103.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 444.37 103.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.09 103.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 521.13 103.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.19 103.10 Td (1.1%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 91.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.48 91.10 Td (all ) Tj ET Q q 0 0 0 rg BT 74.62 91.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.10 91.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.47 91.10 Td (Company) Tj ET Q q 0 0 0 rg BT 143.13 91.10 Td (s ) Tj ET Q q 0 0 0 rg BT 150.18 91.10 Td (home ) Tj ET Q q 0 0 0 rg BT 175.54 91.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 203.69 91.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 227.94 91.10 Td (are ) Tj ET Q q 0 0 0 rg BT 243.30 91.10 Td (on ) Tj ET Q q 0 0 0 rg BT 256.45 91.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 303.46 91.10 Td (status ) Tj ET Q q 0 0 0 rg BT 329.39 91.10 Td (or ) Tj ET Q q 0 0 0 rg BT 340.87 91.10 Td (more ) Tj ET Q q 0 0 0 rg BT 364.57 91.10 Td (than ) Tj ET Q q 0 0 0 rg BT 384.93 91.10 Td (one ) Tj ET Q q 0 0 0 rg BT 402.52 91.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 440.10 91.10 Td (past ) Tj ET Q q 0 0 0 rg BT 459.36 91.10 Td (due. ) Tj ET Q q 0 0 0 rg BT 479.45 91.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 513.14 91.10 Td (delinquency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (statistics ) Tj ET Q q 0 0 0 rg BT 86.87 79.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.63 79.10 Td (these ) Tj ET Q q 0 0 0 rg BT 120.60 79.10 Td (two ) Tj ET Q q 0 0 0 rg BT 138.03 79.10 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 181.85 79.10 Td (demonstrating ) Tj ET Q q 0 0 0 rg BT 241.49 79.10 Td (that ) Tj ET Q q 0 0 0 rg BT 258.91 79.10 Td (although ) Tj ET Q q 0 0 0 rg BT 296.33 79.10 Td (there ) Tj ET Q q 0 0 0 rg BT 318.75 79.10 Td (is ) Tj ET Q q 0 0 0 rg BT 327.85 79.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 352.50 79.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.70 79.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.35 79.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 413.10 79.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 466.63 79.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.50 79.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 520.19 79.10 Td (W) Tj ET Q q 0 0 0 rg BT 529.22 79.10 Td (isconsin ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 86.82 67.10 Td (our ) Tj ET Q q 0 0 0 rg BT 102.82 67.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 144.37 67.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.37 67.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 199.69 67.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 244.01 67.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.12 67.10 Td (home ) Tj ET Q q 0 0 0 rg BT 286.00 67.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 313.67 67.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 337.44 67.10 Td (are ) Tj ET Q q 0 0 0 rg BT 352.32 67.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 399.97 67.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 445.95 67.10 Td (well ) Tj ET Q q 0 0 0 rg BT 465.84 67.10 Td (as ) Tj ET Q q 0 0 0 rg BT 476.83 67.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 514.47 67.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.92 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.80 67.10 Td (aging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 55.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 55.10 Td (Company) Tj ET Q q 0 0 0 rg BT 117.21 55.10 Td (s ) Tj ET Q q 0 0 0 rg BT 123.60 55.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 143.32 55.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 180.82 55.10 Td (table ) Tj ET Q q 0 0 0 rg BT 202.75 55.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 231.36 55.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 259.39 55.10 Td (in ) Tj ET Q q 0 0 0 rg BT 269.67 55.10 Td (this ) Tj ET Q q 0 0 0 rg BT 286.62 55.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 307.45 55.10 Td (7.) Tj ET Q endstream endobj 175 0 obj <> endobj 176 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (87) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Methodology in ) Tj ET Q q 0 0 0 rg BT 115.36 742.10 Td (Assessing Impairment and Char) Tj ET Q q 0 0 0 rg BT 243.60 742.10 Td (ge-off ) Tj ET Q q 0 0 0 rg BT 269.25 742.10 Td (Amounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 719.30 Td (In ) Tj ET Q q 0 0 0 rg BT 60.59 719.30 Td (determining ) Tj ET Q q 0 0 0 rg BT 111.17 719.30 Td (the ) Tj ET Q q 0 0 0 rg BT 125.64 719.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 157.89 719.30 Td (of ) Tj ET Q q 0 0 0 rg BT 168.48 719.30 Td (impairment ) Tj ET Q q 0 0 0 rg BT 216.83 719.30 Td (or ) Tj ET Q q 0 0 0 rg BT 227.42 719.30 Td (char) Tj ET Q q 0 0 0 rg BT 244.45 719.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 265.37 719.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 274.85 719.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 318.20 719.30 Td (with ) Tj ET Q q 0 0 0 rg BT 338.23 719.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 377.69 719.30 Td (dependent ) Tj ET Q q 0 0 0 rg BT 421.04 719.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 446.90 719.30 Td (the ) Tj ET Q q 0 0 0 rg BT 461.38 719.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 502.52 719.30 Td (values ) Tj ET Q q 0 0 0 rg BT 530.33 719.30 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 719.30 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 707.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.36 707.30 Td (by ) Tj ET Q q 0 0 0 rg BT 101.52 707.30 Td (starting ) Tj ET Q q 0 0 0 rg BT 133.67 707.30 Td (with ) Tj ET Q q 0 0 0 rg BT 153.60 707.30 Td (a ) Tj ET Q q 0 0 0 rg BT 160.20 707.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 199.57 707.30 Td (obtained ) Tj ET Q q 0 0 0 rg BT 236.16 707.30 Td (from ) Tj ET Q q 0 0 0 rg BT 257.76 707.30 Td (an ) Tj ET Q q 0 0 0 rg BT 269.35 707.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 307.60 707.30 Td (of ) Tj ET Q q 0 0 0 rg BT 318.09 707.30 Td (the ) Tj ET Q q 0 0 0 rg BT 332.46 707.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 377.95 707.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 417.30 707.30 Td (and ) Tj ET Q q 0 0 0 rg BT 433.90 707.30 Td (then ) Tj ET Q q 0 0 0 rg BT 453.27 707.30 Td (deducting ) Tj ET Q q 0 0 0 rg BT 494.86 707.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 535.34 707.30 Td (selling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 695.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.20 695.30 Td (to ) Tj ET Q q 0 0 0 rg BT 82.18 695.30 Td (arrive ) Tj ET Q q 0 0 0 rg BT 107.70 695.30 Td (at ) Tj ET Q q 0 0 0 rg BT 117.12 695.30 Td (a ) Tj ET Q q 0 0 0 rg BT 123.75 695.30 Td (net ) Tj ET Q q 0 0 0 rg BT 138.17 695.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 178.69 695.30 Td (value. ) Tj ET Q q 0 0 0 rg BT 204.89 695.30 Td (W) Tj ET Q q 0 0 0 rg BT 213.52 695.30 Td (e ) Tj ET Q q 0 0 0 rg BT 220.16 695.30 Td (obtain ) Tj ET Q q 0 0 0 rg BT 247.36 695.30 Td (the ) Tj ET Q q 0 0 0 rg BT 261.78 695.30 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 303.96 695.30 Td (of ) Tj ET Q q 0 0 0 rg BT 314.50 695.30 Td (the ) Tj ET Q q 0 0 0 rg BT 328.91 695.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 374.44 695.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 413.84 695.30 Td (typically ) Tj ET Q q 0 0 0 rg BT 451.03 695.30 Td (on ) Tj ET Q q 0 0 0 rg BT 463.23 695.30 Td (an ) Tj ET Q q 0 0 0 rg BT 474.87 695.30 Td (annual ) Tj ET Q q 0 0 0 rg BT 503.73 695.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 525.93 695.30 Td (from ) Tj ET Q q 0 0 0 rg BT 547.57 695.30 Td (one ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 683.30 Td (of ) Tj ET Q q 0 0 0 rg BT 61.27 683.30 Td (a ) Tj ET Q q 0 0 0 rg BT 68.64 683.30 Td (pre-approved ) Tj ET Q q 0 0 0 rg BT 124.89 683.30 Td (list ) Tj ET Q q 0 0 0 rg BT 140.05 683.30 Td (of ) Tj ET Q q 0 0 0 rg BT 151.32 683.30 Td (independent, ) Tj ET Q q 0 0 0 rg BT 205.63 683.30 Td (third ) Tj ET Q q 0 0 0 rg BT 227.45 683.30 Td (party ) Tj ET Q q 0 0 0 rg BT 250.93 683.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 289.96 683.30 Td (firms. ) Tj ET Q q 0 0 0 rg BT 316.30 683.30 Td (T) Tj ET Q q 0 0 0 rg BT 321.71 683.30 Td (ypes ) Tj ET Q q 0 0 0 rg BT 342.97 683.30 Td (of ) Tj ET Q q 0 0 0 rg BT 354.24 683.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 393.27 683.30 Td (valuations ) Tj ET Q q 0 0 0 rg BT 437.31 683.30 Td (include ) Tj ET Q q 0 0 0 rg BT 469.68 683.30 Td (as-is, ) Tj ET Q q 0 0 0 rg BT 502.33 683.30 Td (as-complete, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 671.30 Td (as-stabilized, ) Tj ET Q q 0 0 0 rg BT 113.86 671.30 Td (bulk, ) Tj ET Q q 0 0 0 rg BT 136.64 671.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 153.01 671.30 Td (market, ) Tj ET Q q 0 0 0 rg BT 185.78 671.30 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 231.61 671.30 Td (and ) Tj ET Q q 0 0 0 rg BT 248.54 671.30 Td (retail ) Tj ET Q q 0 0 0 rg BT 276.03 671.30 Td (sellout ) Tj ET Q q 0 0 0 rg BT 309.63 671.30 Td (values.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 647.30 Td (In ) Tj ET Q q 0 0 0 rg BT 61.40 647.30 Td (many ) Tj ET Q q 0 0 0 rg BT 86.68 647.30 Td (cases, ) Tj ET Q q 0 0 0 rg BT 113.35 647.30 Td (the ) Tj ET Q q 0 0 0 rg BT 128.63 647.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 170.59 647.30 Td (simultaneously ) Tj ET Q q 0 0 0 rg BT 234.21 647.30 Td (values ) Tj ET Q q 0 0 0 rg BT 262.82 647.30 Td (the ) Tj ET Q q 0 0 0 rg BT 278.11 647.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 324.50 647.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 364.77 647.30 Td (by ) Tj ET Q q 0 0 0 rg BT 377.83 647.30 Td (marketing ) Tj ET Q q 0 0 0 rg BT 421.44 647.30 Td (the ) Tj ET Q q 0 0 0 rg BT 436.73 647.30 Td (property ) Tj ET Q q 0 0 0 rg BT 473.67 647.30 Td (to ) Tj ET Q q 0 0 0 rg BT 484.52 647.30 Td (market ) Tj ET Q q 0 0 0 rg BT 515.35 647.30 Td (participants ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 635.30 Td (interested ) Tj ET Q q 0 0 0 rg BT 91.10 635.30 Td (in ) Tj ET Q q 0 0 0 rg BT 101.11 635.30 Td (purchasing ) Tj ET Q q 0 0 0 rg BT 147.21 635.30 Td (properties ) Tj ET Q q 0 0 0 rg BT 189.43 635.30 Td (of ) Tj ET Q q 0 0 0 rg BT 199.99 635.30 Td (the ) Tj ET Q q 0 0 0 rg BT 214.43 635.30 Td (same ) Tj ET Q q 0 0 0 rg BT 237.21 635.30 Td (type. ) Tj ET Q q 0 0 0 rg BT 259.16 635.30 Td (If ) Tj ET Q q 0 0 0 rg BT 268.04 635.30 Td (the ) Tj ET Q q 0 0 0 rg BT 282.49 635.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 323.61 635.30 Td (receives ) Tj ET Q q 0 0 0 rg BT 358.59 635.30 Td (of) Tj ET Q q 0 0 0 rg BT 366.74 635.30 Td (fers ) Tj ET Q q 0 0 0 rg BT 383.96 635.30 Td (or ) Tj ET Q q 0 0 0 rg BT 394.52 635.30 Td (indications ) Tj ET Q q 0 0 0 rg BT 440.63 635.30 Td (of ) Tj ET Q q 0 0 0 rg BT 451.19 635.30 Td (interest, ) Tj ET Q q 0 0 0 rg BT 485.35 635.30 Td (we ) Tj ET Q q 0 0 0 rg BT 499.24 635.30 Td (will ) Tj ET Q q 0 0 0 rg BT 517.02 635.30 Td (analyze ) Tj ET Q q 0 0 0 rg BT 549.79 635.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 623.30 Td (price ) Tj ET Q q 0 0 0 rg BT 72.58 623.30 Td (and ) Tj ET Q q 0 0 0 rg BT 89.62 623.30 Td (review ) Tj ET Q q 0 0 0 rg BT 119.43 623.30 Td (market ) Tj ET Q q 0 0 0 rg BT 149.79 623.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 194.06 623.30 Td (to ) Tj ET Q q 0 0 0 rg BT 204.43 623.30 Td (assess ) Tj ET Q q 0 0 0 rg BT 231.48 623.30 Td (whether ) Tj ET Q q 0 0 0 rg BT 266.28 623.30 Td (in ) Tj ET Q q 0 0 0 rg BT 276.66 623.30 Td (light ) Tj ET Q q 0 0 0 rg BT 297.59 623.30 Td (of ) Tj ET Q q 0 0 0 rg BT 308.52 623.30 Td (such ) Tj ET Q q 0 0 0 rg BT 329.45 623.30 Td (information ) Tj ET Q q 0 0 0 rg BT 379.26 623.30 Td (the ) Tj ET Q q 0 0 0 rg BT 394.08 623.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 434.99 623.30 Td (value ) Tj ET Q q 0 0 0 rg BT 459.25 623.30 Td (overstates ) Tj ET Q q 0 0 0 rg BT 501.83 623.30 Td (the ) Tj ET Q q 0 0 0 rg BT 516.65 623.30 Td (likely ) Tj ET Q q 0 0 0 rg BT 542.02 623.30 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 611.30 Td (and ) Tj ET Q q 0 0 0 rg BT 67.72 611.30 Td (that ) Tj ET Q q 0 0 0 rg BT 86.00 611.30 Td (a ) Tj ET Q q 0 0 0 rg BT 93.72 611.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 119.77 611.30 Td (price ) Tj ET Q q 0 0 0 rg BT 143.04 611.30 Td (would ) Tj ET Q q 0 0 0 rg BT 171.32 611.30 Td (be ) Tj ET Q q 0 0 0 rg BT 184.04 611.30 Td (a ) Tj ET Q q 0 0 0 rg BT 191.76 611.30 Td (better ) Tj ET Q q 0 0 0 rg BT 217.81 611.30 Td (assessment ) Tj ET Q q 0 0 0 rg BT 265.53 611.30 Td (of ) Tj ET Q q 0 0 0 rg BT 277.15 611.30 Td (the ) Tj ET Q q 0 0 0 rg BT 292.64 611.30 Td (market ) Tj ET Q q 0 0 0 rg BT 323.69 611.30 Td (value ) Tj ET Q q 0 0 0 rg BT 348.63 611.30 Td (of ) Tj ET Q q 0 0 0 rg BT 360.24 611.30 Td (the ) Tj ET Q q 0 0 0 rg BT 375.74 611.30 Td (property ) Tj ET Q q 0 0 0 rg BT 412.90 611.30 Td (and ) Tj ET Q q 0 0 0 rg BT 430.62 611.30 Td (would ) Tj ET Q q 0 0 0 rg BT 458.90 611.30 Td (enable ) Tj ET Q q 0 0 0 rg BT 488.28 611.30 Td (us ) Tj ET Q q 0 0 0 rg BT 500.46 611.30 Td (to ) Tj ET Q q 0 0 0 rg BT 511.52 611.30 Td (liquidate ) Tj ET Q q 0 0 0 rg BT 549.79 611.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 599.30 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 91.52 599.30 Td (Additionally) Tj ET Q q 0 0 0 rg BT 141.42 599.30 Td (, ) Tj ET Q q 0 0 0 rg BT 146.26 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 160.82 599.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.04 599.30 Td (takes ) Tj ET Q q 0 0 0 rg BT 224.93 599.30 Td (into ) Tj ET Q q 0 0 0 rg BT 242.82 599.30 Td (account ) Tj ET Q q 0 0 0 rg BT 276.26 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 290.81 599.30 Td (strength ) Tj ET Q q 0 0 0 rg BT 325.37 599.30 Td (of ) Tj ET Q q 0 0 0 rg BT 336.04 599.30 Td (any ) Tj ET Q q 0 0 0 rg BT 352.81 599.30 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 397.91 599.30 Td (and ) Tj ET Q q 0 0 0 rg BT 414.68 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 429.24 599.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 457.13 599.30 Td (of ) Tj ET Q q 0 0 0 rg BT 467.80 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 482.35 599.30 Td (borrower ) Tj ET Q q 0 0 0 rg BT 521.34 599.30 Td (to ) Tj ET Q q 0 0 0 rg BT 531.46 599.30 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 587.30 Td (value ) Tj ET Q q 0 0 0 rg BT 73.30 587.30 Td (related ) Tj ET Q q 0 0 0 rg BT 102.15 587.30 Td (to ) Tj ET Q q 0 0 0 rg BT 111.58 587.30 Td (those ) Tj ET Q q 0 0 0 rg BT 134.34 587.30 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 178.74 587.30 Td (in ) Tj ET Q q 0 0 0 rg BT 188.16 587.30 Td (determining ) Tj ET Q q 0 0 0 rg BT 238.13 587.30 Td (the ) Tj ET Q q 0 0 0 rg BT 252.00 587.30 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 286.41 587.30 Td (char) Tj ET Q q 0 0 0 rg BT 303.44 587.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 324.36 587.30 Td (f ) Tj ET Q q 0 0 0 rg BT 329.34 587.30 Td (or ) Tj ET Q q 0 0 0 rg BT 339.31 587.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 369.83 587.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 412.57 587.30 Td (with ) Tj ET Q q 0 0 0 rg BT 432.00 587.30 Td (any ) Tj ET Q q 0 0 0 rg BT 448.08 587.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 485.27 587.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 510.17 587.30 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 559.50 587.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 575.30 Td (the ) Tj ET Q q 0 0 0 rg BT 63.90 575.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 104.47 575.30 Td (may ) Tj ET Q q 0 0 0 rg BT 123.36 575.30 Td (char) Tj ET Q q 0 0 0 rg BT 140.39 575.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 161.31 575.30 Td (f ) Tj ET Q q 0 0 0 rg BT 166.32 575.30 Td (a ) Tj ET Q q 0 0 0 rg BT 172.44 575.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 191.34 575.30 Td (to ) Tj ET Q q 0 0 0 rg BT 200.80 575.30 Td (a ) Tj ET Q q 0 0 0 rg BT 206.92 575.30 Td (value ) Tj ET Q q 0 0 0 rg BT 230.25 575.30 Td (below ) Tj ET Q q 0 0 0 rg BT 256.37 575.30 Td (the ) Tj ET Q q 0 0 0 rg BT 270.27 575.30 Td (net ) Tj ET Q q 0 0 0 rg BT 284.17 575.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 324.16 575.30 Td (value ) Tj ET Q q 0 0 0 rg BT 347.50 575.30 Td (if ) Tj ET Q q 0 0 0 rg BT 355.29 575.30 Td (it ) Tj ET Q q 0 0 0 rg BT 362.53 575.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 396.97 575.30 Td (that ) Tj ET Q q 0 0 0 rg BT 413.65 575.30 Td (an ) Tj ET Q q 0 0 0 rg BT 424.77 575.30 Td (expeditious ) Tj ET Q q 0 0 0 rg BT 472.55 575.30 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 517.56 575.30 Td (is ) Tj ET Q q 0 0 0 rg BT 525.92 575.30 Td (desirable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 563.30 Td (in ) Tj ET Q q 0 0 0 rg BT 60.03 563.30 Td (the ) Tj ET Q q 0 0 0 rg BT 74.50 563.30 Td (circumstance ) Tj ET Q q 0 0 0 rg BT 129.50 563.30 Td (and ) Tj ET Q q 0 0 0 rg BT 146.19 563.30 Td (it ) Tj ET Q q 0 0 0 rg BT 154.00 563.30 Td (has ) Tj ET Q q 0 0 0 rg BT 169.58 563.30 Td (legitimate ) Tj ET Q q 0 0 0 rg BT 211.82 563.30 Td (of) Tj ET Q q 0 0 0 rg BT 219.97 563.30 Td (fers ) Tj ET Q q 0 0 0 rg BT 237.21 563.30 Td (or ) Tj ET Q q 0 0 0 rg BT 247.80 563.30 Td (other ) Tj ET Q q 0 0 0 rg BT 270.60 563.30 Td (indications ) Tj ET Q q 0 0 0 rg BT 316.73 563.30 Td (of ) Tj ET Q q 0 0 0 rg BT 327.31 563.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 359.00 563.30 Td (to ) Tj ET Q q 0 0 0 rg BT 369.03 563.30 Td (support ) Tj ET Q q 0 0 0 rg BT 401.28 563.30 Td (a ) Tj ET Q q 0 0 0 rg BT 407.97 563.30 Td (value ) Tj ET Q q 0 0 0 rg BT 431.88 563.30 Td (that ) Tj ET Q q 0 0 0 rg BT 449.13 563.30 Td (is ) Tj ET Q q 0 0 0 rg BT 458.05 563.30 Td (less ) Tj ET Q q 0 0 0 rg BT 475.30 563.30 Td (than ) Tj ET Q q 0 0 0 rg BT 494.77 563.30 Td (the ) Tj ET Q q 0 0 0 rg BT 509.24 563.30 Td (net ) Tj ET Q q 0 0 0 rg BT 523.71 563.30 Td (appraised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 551.30 Td (value. ) Tj ET Q q 0 0 0 rg BT 75.45 551.30 Td (Alternatively) Tj ET Q q 0 0 0 rg BT 127.56 551.30 Td (, ) Tj ET Q q 0 0 0 rg BT 131.72 551.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.60 551.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 186.15 551.30 Td (may ) Tj ET Q q 0 0 0 rg BT 205.03 551.30 Td (carry ) Tj ET Q q 0 0 0 rg BT 227.23 551.30 Td (a ) Tj ET Q q 0 0 0 rg BT 233.33 551.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 252.20 551.30 Td (at ) Tj ET Q q 0 0 0 rg BT 261.08 551.30 Td (a ) Tj ET Q q 0 0 0 rg BT 267.18 551.30 Td (value ) Tj ET Q q 0 0 0 rg BT 290.50 551.30 Td (that ) Tj ET Q q 0 0 0 rg BT 307.16 551.30 Td (is ) Tj ET Q q 0 0 0 rg BT 315.49 551.30 Td (in ) Tj ET Q q 0 0 0 rg BT 324.93 551.30 Td (excess ) Tj ET Q q 0 0 0 rg BT 352.69 551.30 Td (of ) Tj ET Q q 0 0 0 rg BT 362.68 551.30 Td (the ) Tj ET Q q 0 0 0 rg BT 376.56 551.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 416.53 551.30 Td (value ) Tj ET Q q 0 0 0 rg BT 439.85 551.30 Td (if ) Tj ET Q q 0 0 0 rg BT 447.62 551.30 Td (the ) Tj ET Q q 0 0 0 rg BT 461.50 551.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 502.05 551.30 Td (has ) Tj ET Q q 0 0 0 rg BT 517.04 551.30 Td (a ) Tj ET Q q 0 0 0 rg BT 523.14 551.30 Td (guarantee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 539.30 Td (from ) Tj ET Q q 0 0 0 rg BT 70.99 539.30 Td (a ) Tj ET Q q 0 0 0 rg BT 76.98 539.30 Td (borrower ) Tj ET Q q 0 0 0 rg BT 115.18 539.30 Td (that ) Tj ET Q q 0 0 0 rg BT 131.72 539.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.49 539.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 185.92 539.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 220.23 539.30 Td (has ) Tj ET Q q 0 0 0 rg BT 235.11 539.30 Td (realizable ) Tj ET Q q 0 0 0 rg BT 275.52 539.30 Td (value. ) Tj ET Q q 0 0 0 rg BT 301.23 539.30 Td (In ) Tj ET Q q 0 0 0 rg BT 311.10 539.30 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 354.30 539.30 Td (the ) Tj ET Q q 0 0 0 rg BT 368.07 539.30 Td (strength ) Tj ET Q q 0 0 0 rg BT 401.84 539.30 Td (of ) Tj ET Q q 0 0 0 rg BT 411.72 539.30 Td (any ) Tj ET Q q 0 0 0 rg BT 427.70 539.30 Td (guarantee, ) Tj ET Q q 0 0 0 rg BT 470.62 539.30 Td (the ) Tj ET Q q 0 0 0 rg BT 484.38 539.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 524.82 539.30 Td (evaluates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 527.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.42 527.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 101.60 527.30 Td (wherewithal ) Tj ET Q q 0 0 0 rg BT 153.22 527.30 Td (of ) Tj ET Q q 0 0 0 rg BT 163.75 527.30 Td (the ) Tj ET Q q 0 0 0 rg BT 178.17 527.30 Td (guarantor) Tj ET Q q 0 0 0 rg BT 216.08 527.30 Td (, ) Tj ET Q q 0 0 0 rg BT 220.78 527.30 Td (the ) Tj ET Q q 0 0 0 rg BT 235.20 527.30 Td (guarantor) Tj ET Q q 0 0 0 rg BT 273.88 527.30 Td () Tj ET Q q 0 0 0 rg BT 276.66 527.30 Td (s ) Tj ET Q q 0 0 0 rg BT 282.75 527.30 Td (reputation, ) Tj ET Q q 0 0 0 rg BT 328.00 527.30 Td (and ) Tj ET Q q 0 0 0 rg BT 344.63 527.30 Td (the ) Tj ET Q q 0 0 0 rg BT 359.05 527.30 Td (guarantor) Tj ET Q q 0 0 0 rg BT 397.74 527.30 Td () Tj ET Q q 0 0 0 rg BT 400.52 527.30 Td (s ) Tj ET Q q 0 0 0 rg BT 406.61 527.30 Td (willingness ) Tj ET Q q 0 0 0 rg BT 454.36 527.30 Td (and ) Tj ET Q q 0 0 0 rg BT 471.00 527.30 Td (desire ) Tj ET Q q 0 0 0 rg BT 497.08 527.30 Td (to ) Tj ET Q q 0 0 0 rg BT 507.06 527.30 Td (work ) Tj ET Q q 0 0 0 rg BT 529.81 527.30 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 527.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 515.30 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 515.30 Td (. ) Tj ET Q q 0 0 0 rg BT 93.29 515.30 Td (The ) Tj ET Q q 0 0 0 rg BT 111.58 515.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 153.21 515.30 Td (then ) Tj ET Q q 0 0 0 rg BT 173.18 515.30 Td (conducts ) Tj ET Q q 0 0 0 rg BT 211.47 515.30 Td (a ) Tj ET Q q 0 0 0 rg BT 218.65 515.30 Td (review ) Tj ET Q q 0 0 0 rg BT 248.61 515.30 Td (of ) Tj ET Q q 0 0 0 rg BT 259.68 515.30 Td (the ) Tj ET Q q 0 0 0 rg BT 274.65 515.30 Td (strength ) Tj ET Q q 0 0 0 rg BT 309.61 515.30 Td (of ) Tj ET Q q 0 0 0 rg BT 320.69 515.30 Td (a ) Tj ET Q q 0 0 0 rg BT 327.87 515.30 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 369.48 515.30 Td (on ) Tj ET Q q 0 0 0 rg BT 382.23 515.30 Td (a ) Tj ET Q q 0 0 0 rg BT 389.41 515.30 Td (frequency ) Tj ET Q q 0 0 0 rg BT 432.14 515.30 Td (established ) Tj ET Q q 0 0 0 rg BT 479.32 515.30 Td (as ) Tj ET Q q 0 0 0 rg BT 490.39 515.30 Td (the ) Tj ET Q q 0 0 0 rg BT 505.36 515.30 Td (circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 503.30 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 503.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 111.10 503.30 Td (of ) Tj ET Q q 0 0 0 rg BT 121.93 503.30 Td (the ) Tj ET Q q 0 0 0 rg BT 136.65 503.30 Td (borrower ) Tj ET Q q 0 0 0 rg BT 175.80 503.30 Td (warrant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 479.30 Td (In ) Tj ET Q q 0 0 0 rg BT 60.16 479.30 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 118.62 479.30 Td (where ) Tj ET Q q 0 0 0 rg BT 144.88 479.30 Td (the ) Tj ET Q q 0 0 0 rg BT 158.92 479.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 199.63 479.30 Td (has ) Tj ET Q q 0 0 0 rg BT 214.79 479.30 Td (received ) Tj ET Q q 0 0 0 rg BT 250.48 479.30 Td (an ) Tj ET Q q 0 0 0 rg BT 261.74 479.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 299.66 479.30 Td (but ) Tj ET Q q 0 0 0 rg BT 314.27 479.30 Td (has ) Tj ET Q q 0 0 0 rg BT 329.42 479.30 Td (no ) Tj ET Q q 0 0 0 rg BT 341.25 479.30 Td (third ) Tj ET Q q 0 0 0 rg BT 361.96 479.30 Td (party ) Tj ET Q q 0 0 0 rg BT 384.34 479.30 Td (of) Tj ET Q q 0 0 0 rg BT 392.49 479.30 Td (fers ) Tj ET Q q 0 0 0 rg BT 409.30 479.30 Td (or ) Tj ET Q q 0 0 0 rg BT 419.46 479.30 Td (indications ) Tj ET Q q 0 0 0 rg BT 465.17 479.30 Td (of ) Tj ET Q q 0 0 0 rg BT 475.32 479.30 Td (interest, ) Tj ET Q q 0 0 0 rg BT 509.08 479.30 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 479.30 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 467.30 Td (may ) Tj ET Q q 0 0 0 rg BT 69.46 467.30 Td (enlist ) Tj ET Q q 0 0 0 rg BT 93.37 467.30 Td (the ) Tj ET Q q 0 0 0 rg BT 107.83 467.30 Td (input ) Tj ET Q q 0 0 0 rg BT 130.63 467.30 Td (of ) Tj ET Q q 0 0 0 rg BT 141.20 467.30 Td (realtors ) Tj ET Q q 0 0 0 rg BT 173.43 467.30 Td (in ) Tj ET Q q 0 0 0 rg BT 183.45 467.30 Td (the ) Tj ET Q q 0 0 0 rg BT 197.91 467.30 Td (local ) Tj ET Q q 0 0 0 rg BT 219.58 467.30 Td (market ) Tj ET Q q 0 0 0 rg BT 249.59 467.30 Td (as ) Tj ET Q q 0 0 0 rg BT 260.16 467.30 Td (to ) Tj ET Q q 0 0 0 rg BT 270.18 467.30 Td (the ) Tj ET Q q 0 0 0 rg BT 284.64 467.30 Td (highest ) Tj ET Q q 0 0 0 rg BT 315.77 467.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 355.23 467.30 Td (that ) Tj ET Q q 0 0 0 rg BT 372.46 467.30 Td (the ) Tj ET Q q 0 0 0 rg BT 386.92 467.30 Td (realtor ) Tj ET Q q 0 0 0 rg BT 415.26 467.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 450.27 467.30 Td (would ) Tj ET Q q 0 0 0 rg BT 477.51 467.30 Td (result ) Tj ET Q q 0 0 0 rg BT 501.97 467.30 Td (in ) Tj ET Q q 0 0 0 rg BT 511.99 467.30 Td (a ) Tj ET Q q 0 0 0 rg BT 518.67 467.30 Td (liquidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 455.30 Td (of ) Tj ET Q q 0 0 0 rg BT 60.45 455.30 Td (the ) Tj ET Q q 0 0 0 rg BT 74.79 455.30 Td (property ) Tj ET Q q 0 0 0 rg BT 110.78 455.30 Td (given ) Tj ET Q q 0 0 0 rg BT 135.12 455.30 Td (a ) Tj ET Q q 0 0 0 rg BT 141.67 455.30 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 186.55 455.30 Td (marketing ) Tj ET Q q 0 0 0 rg BT 229.21 455.30 Td (period ) Tj ET Q q 0 0 0 rg BT 256.88 455.30 Td (of ) Tj ET Q q 0 0 0 rg BT 267.32 455.30 Td (approximately ) Tj ET Q q 0 0 0 rg BT 327.20 455.30 Td (90 ) Tj ET Q q 0 0 0 rg BT 339.32 455.30 Td (days. ) Tj ET Q q 0 0 0 rg BT 362.12 455.30 Td (T) Tj ET Q q 0 0 0 rg BT 367.53 455.30 Td (o ) Tj ET Q q 0 0 0 rg BT 374.65 455.30 Td (the ) Tj ET Q q 0 0 0 rg BT 388.98 455.30 Td (extent ) Tj ET Q q 0 0 0 rg BT 415.54 455.30 Td (that ) Tj ET Q q 0 0 0 rg BT 432.65 455.30 Td (the ) Tj ET Q q 0 0 0 rg BT 446.99 455.30 Td (realtors) Tj ET Q q 0 0 0 rg BT 479.56 455.30 Td ( ) Tj ET Q q 0 0 0 rg BT 481.68 455.30 Td (indication ) Tj ET Q q 0 0 0 rg BT 523.79 455.30 Td (of ) Tj ET Q q 0 0 0 rg BT 534.24 455.30 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 443.30 Td (clearing ) Tj ET Q q 0 0 0 rg BT 85.01 443.30 Td (price ) Tj ET Q q 0 0 0 rg BT 107.80 443.30 Td (under ) Tj ET Q q 0 0 0 rg BT 133.37 443.30 Td (such ) Tj ET Q q 0 0 0 rg BT 154.51 443.30 Td (scenario ) Tj ET Q q 0 0 0 rg BT 190.63 443.30 Td (is ) Tj ET Q q 0 0 0 rg BT 200.10 443.30 Td (less ) Tj ET Q q 0 0 0 rg BT 217.91 443.30 Td (than ) Tj ET Q q 0 0 0 rg BT 237.93 443.30 Td (the ) Tj ET Q q 0 0 0 rg BT 252.95 443.30 Td (net ) Tj ET Q q 0 0 0 rg BT 267.97 443.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 309.09 443.30 Td (valuation, ) Tj ET Q q 0 0 0 rg BT 351.61 443.30 Td (the ) Tj ET Q q 0 0 0 rg BT 366.63 443.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 408.33 443.30 Td (may ) Tj ET Q q 0 0 0 rg BT 428.35 443.30 Td (take ) Tj ET Q q 0 0 0 rg BT 447.81 443.30 Td (a ) Tj ET Q q 0 0 0 rg BT 455.05 443.30 Td (char) Tj ET Q q 0 0 0 rg BT 472.08 443.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 493.00 443.30 Td (f ) Tj ET Q q 0 0 0 rg BT 499.13 443.30 Td (on ) Tj ET Q q 0 0 0 rg BT 511.94 443.30 Td (the ) Tj ET Q q 0 0 0 rg BT 526.96 443.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 546.98 443.30 Td (to ) Tj ET Q q 0 0 0 rg BT 557.56 443.30 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 431.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 89.71 431.30 Td (that ) Tj ET Q q 0 0 0 rg BT 107.21 431.30 Td (is ) Tj ET Q q 0 0 0 rg BT 116.38 431.30 Td (less ) Tj ET Q q 0 0 0 rg BT 133.88 431.30 Td (than ) Tj ET Q q 0 0 0 rg BT 153.59 431.30 Td (the ) Tj ET Q q 0 0 0 rg BT 168.31 431.30 Td (net ) Tj ET Q q 0 0 0 rg BT 183.03 431.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 223.84 431.30 Td (valuation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 407.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.14 407.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.63 407.30 Td (may ) Tj ET Q q 0 0 0 rg BT 129.44 407.30 Td (also ) Tj ET Q q 0 0 0 rg BT 148.15 407.30 Td (char) Tj ET Q q 0 0 0 rg BT 165.18 407.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 186.09 407.30 Td (f ) Tj ET Q q 0 0 0 rg BT 192.02 407.30 Td (a ) Tj ET Q q 0 0 0 rg BT 199.06 407.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 218.87 407.30 Td (below ) Tj ET Q q 0 0 0 rg BT 245.91 407.30 Td (the ) Tj ET Q q 0 0 0 rg BT 260.72 407.30 Td (net ) Tj ET Q q 0 0 0 rg BT 275.54 407.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 316.45 407.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 356.26 407.30 Td (if ) Tj ET Q q 0 0 0 rg BT 364.97 407.30 Td (the ) Tj ET Q q 0 0 0 rg BT 379.78 407.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 421.26 407.30 Td (holds ) Tj ET Q q 0 0 0 rg BT 445.53 407.30 Td (a ) Tj ET Q q 0 0 0 rg BT 452.57 407.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 479.05 407.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 519.41 407.30 Td (position ) Tj ET Q q 0 0 0 rg BT 554.24 407.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 395.30 Td (a ) Tj ET Q q 0 0 0 rg BT 56.84 395.30 Td (piece ) Tj ET Q q 0 0 0 rg BT 80.34 395.30 Td (of ) Tj ET Q q 0 0 0 rg BT 91.08 395.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 130.68 395.30 Td (whereby ) Tj ET Q q 0 0 0 rg BT 167.51 395.30 Td (the ) Tj ET Q q 0 0 0 rg BT 182.13 395.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 199.54 395.30 Td (to ) Tj ET Q q 0 0 0 rg BT 209.72 395.30 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 249.89 395.30 Td (control ) Tj ET Q q 0 0 0 rg BT 280.62 395.30 Td (of ) Tj ET Q q 0 0 0 rg BT 291.35 395.30 Td (the ) Tj ET Q q 0 0 0 rg BT 305.98 395.30 Td (property ) Tj ET Q q 0 0 0 rg BT 342.26 395.30 Td (through ) Tj ET Q q 0 0 0 rg BT 375.77 395.30 Td (the ) Tj ET Q q 0 0 0 rg BT 390.39 395.30 Td (purchase ) Tj ET Q q 0 0 0 rg BT 428.33 395.30 Td (of ) Tj ET Q q 0 0 0 rg BT 439.07 395.30 Td (the ) Tj ET Q q 0 0 0 rg BT 453.69 395.30 Td (senior ) Tj ET Q q 0 0 0 rg BT 480.53 395.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 520.70 395.30 Td (position ) Tj ET Q q 0 0 0 rg BT 555.33 395.30 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 383.30 Td (deemed ) Tj ET Q q 0 0 0 rg BT 83.76 383.30 Td (to ) Tj ET Q q 0 0 0 rg BT 94.21 383.30 Td (potentially ) Tj ET Q q 0 0 0 rg BT 139.64 383.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 175.06 383.30 Td (the ) Tj ET Q q 0 0 0 rg BT 189.95 383.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 207.62 383.30 Td (of ) Tj ET Q q 0 0 0 rg BT 218.61 383.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 236.84 383.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 259.51 383.30 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 305.51 383.30 Td (due ) Tj ET Q q 0 0 0 rg BT 322.61 383.30 Td (to ) Tj ET Q q 0 0 0 rg BT 333.06 383.30 Td (the ) Tj ET Q q 0 0 0 rg BT 347.94 383.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 380.61 383.30 Td (of ) Tj ET Q q 0 0 0 rg BT 391.60 383.30 Td (time ) Tj ET Q q 0 0 0 rg BT 412.04 383.30 Td (to ) Tj ET Q q 0 0 0 rg BT 422.49 383.30 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 465.71 383.30 Td (market ) Tj ET Q q 0 0 0 rg BT 496.14 383.30 Td (the ) Tj ET Q q 0 0 0 rg BT 511.02 383.30 Td (property ) Tj ET Q q 0 0 0 rg BT 547.56 383.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 371.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.89 371.30 Td (volatile ) Tj ET Q q 0 0 0 rg BT 97.56 371.30 Td (market ) Tj ET Q q 0 0 0 rg BT 128.00 371.30 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 174.84 371.30 Td (In ) Tj ET Q q 0 0 0 rg BT 185.85 371.30 Td (such ) Tj ET Q q 0 0 0 rg BT 206.86 371.30 Td (cases, ) Tj ET Q q 0 0 0 rg BT 233.14 371.30 Td (the ) Tj ET Q q 0 0 0 rg BT 248.03 371.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 289.59 371.30 Td (may ) Tj ET Q q 0 0 0 rg BT 309.49 371.30 Td (abandon ) Tj ET Q q 0 0 0 rg BT 346.04 371.30 Td (its ) Tj ET Q q 0 0 0 rg BT 358.17 371.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 384.73 371.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 425.17 371.30 Td (and ) Tj ET Q q 0 0 0 rg BT 442.29 371.30 Td (char) Tj ET Q q 0 0 0 rg BT 459.31 371.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 480.23 371.30 Td (f ) Tj ET Q q 0 0 0 rg BT 486.24 371.30 Td (the ) Tj ET Q q 0 0 0 rg BT 501.13 371.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 521.03 371.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 554.24 371.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.30 Td (full.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.30 Td (In ) Tj ET Q q 0 0 0 rg BT 61.26 335.30 Td (other ) Tj ET Q q 0 0 0 rg BT 84.73 335.30 Td (cases, ) Tj ET Q q 0 0 0 rg BT 111.25 335.30 Td (the ) Tj ET Q q 0 0 0 rg BT 126.40 335.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 168.21 335.30 Td (may ) Tj ET Q q 0 0 0 rg BT 188.35 335.30 Td (allow ) Tj ET Q q 0 0 0 rg BT 213.50 335.30 Td (the ) Tj ET Q q 0 0 0 rg BT 228.64 335.30 Td (borrower ) Tj ET Q q 0 0 0 rg BT 268.22 335.30 Td (to ) Tj ET Q q 0 0 0 rg BT 278.92 335.30 Td (conduct ) Tj ET Q q 0 0 0 rg BT 313.50 335.30 Td (a ) Tj ET Q q 0 0 0 rg BT 320.87 335.30 Td (short ) Tj ET Q q 0 0 0 rg BT 348.23 335.30 Td (sale, ) Tj ET Q q 0 0 0 rg BT 373.64 335.30 Td (which ) Tj ET Q q 0 0 0 rg BT 401.01 335.30 Td (is ) Tj ET Q q 0 0 0 rg BT 410.60 335.30 Td (a ) Tj ET Q q 0 0 0 rg BT 417.97 335.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 436.44 335.30 Td (where ) Tj ET Q q 0 0 0 rg BT 463.80 335.30 Td (the ) Tj ET Q q 0 0 0 rg BT 478.94 335.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 520.75 335.30 Td (allows ) Tj ET Q q 0 0 0 rg BT 549.79 335.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 323.30 Td (borrower ) Tj ET Q q 0 0 0 rg BT 88.78 323.30 Td (to ) Tj ET Q q 0 0 0 rg BT 98.69 323.30 Td (sell ) Tj ET Q q 0 0 0 rg BT 114.71 323.30 Td (the ) Tj ET Q q 0 0 0 rg BT 129.06 323.30 Td (property ) Tj ET Q q 0 0 0 rg BT 165.07 323.30 Td (at ) Tj ET Q q 0 0 0 rg BT 174.41 323.30 Td (a ) Tj ET Q q 0 0 0 rg BT 180.98 323.30 Td (value ) Tj ET Q q 0 0 0 rg BT 204.77 323.30 Td (less ) Tj ET Q q 0 0 0 rg BT 221.90 323.30 Td (than ) Tj ET Q q 0 0 0 rg BT 241.25 323.30 Td (the ) Tj ET Q q 0 0 0 rg BT 255.60 323.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 287.72 323.30 Td (of ) Tj ET Q q 0 0 0 rg BT 298.19 323.30 Td (the ) Tj ET Q q 0 0 0 rg BT 312.53 323.30 Td (loan. ) Tj ET Q q 0 0 0 rg BT 334.38 323.30 Td (Many ) Tj ET Q q 0 0 0 rg BT 359.84 323.30 Td (times, ) Tj ET Q q 0 0 0 rg BT 386.14 323.30 Td (it ) Tj ET Q q 0 0 0 rg BT 393.83 323.30 Td (is ) Tj ET Q q 0 0 0 rg BT 402.63 323.30 Td (possible ) Tj ET Q q 0 0 0 rg BT 437.54 323.30 Td (for ) Tj ET Q q 0 0 0 rg BT 451.33 323.30 Td (the ) Tj ET Q q 0 0 0 rg BT 465.68 323.30 Td (current ) Tj ET Q q 0 0 0 rg BT 496.13 323.30 Td (owner ) Tj ET Q q 0 0 0 rg BT 523.25 323.30 Td (to ) Tj ET Q q 0 0 0 rg BT 533.16 323.30 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.30 Td (a ) Tj ET Q q 0 0 0 rg BT 56.96 311.30 Td (better ) Tj ET Q q 0 0 0 rg BT 82.25 311.30 Td (price ) Tj ET Q q 0 0 0 rg BT 104.77 311.30 Td (than ) Tj ET Q q 0 0 0 rg BT 124.51 311.30 Td (if ) Tj ET Q q 0 0 0 rg BT 133.14 311.30 Td (the ) Tj ET Q q 0 0 0 rg BT 147.88 311.30 Td (property ) Tj ET Q q 0 0 0 rg BT 184.29 311.30 Td (is ) Tj ET Q q 0 0 0 rg BT 193.48 311.30 Td (marketed ) Tj ET Q q 0 0 0 rg BT 233.21 311.30 Td (by ) Tj ET Q q 0 0 0 rg BT 245.74 311.30 Td (a ) Tj ET Q q 0 0 0 rg BT 252.70 311.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 290.21 311.30 Td (institution ) Tj ET Q q 0 0 0 rg BT 333.30 311.30 Td (which ) Tj ET Q q 0 0 0 rg BT 360.26 311.30 Td (the ) Tj ET Q q 0 0 0 rg BT 375.00 311.30 Td (market ) Tj ET Q q 0 0 0 rg BT 405.29 311.30 Td (place ) Tj ET Q q 0 0 0 rg BT 428.91 311.30 Td (perceives ) Tj ET Q q 0 0 0 rg BT 469.19 311.30 Td (to ) Tj ET Q q 0 0 0 rg BT 479.50 311.30 Td (have ) Tj ET Q q 0 0 0 rg BT 500.90 311.30 Td (a ) Tj ET Q q 0 0 0 rg BT 507.86 311.30 Td (greater ) Tj ET Q q 0 0 0 rg BT 538.14 311.30 Td (desire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.30 Td (to ) Tj ET Q q 0 0 0 rg BT 59.54 299.30 Td (liquidate ) Tj ET Q q 0 0 0 rg BT 96.29 299.30 Td (the ) Tj ET Q q 0 0 0 rg BT 110.27 299.30 Td (property ) Tj ET Q q 0 0 0 rg BT 145.91 299.30 Td (at ) Tj ET Q q 0 0 0 rg BT 154.89 299.30 Td (a ) Tj ET Q q 0 0 0 rg BT 161.09 299.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 185.62 299.30 Td (price. ) Tj ET Q q 0 0 0 rg BT 209.74 299.30 Td (T) Tj ET Q q 0 0 0 rg BT 215.15 299.30 Td (o ) Tj ET Q q 0 0 0 rg BT 221.91 299.30 Td (the ) Tj ET Q q 0 0 0 rg BT 235.89 299.30 Td (extent ) Tj ET Q q 0 0 0 rg BT 262.08 299.30 Td (that ) Tj ET Q q 0 0 0 rg BT 278.84 299.30 Td (we ) Tj ET Q q 0 0 0 rg BT 292.26 299.30 Td (allow ) Tj ET Q q 0 0 0 rg BT 316.24 299.30 Td (a ) Tj ET Q q 0 0 0 rg BT 322.44 299.30 Td (short ) Tj ET Q q 0 0 0 rg BT 344.20 299.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 361.51 299.30 Td (at ) Tj ET Q q 0 0 0 rg BT 370.49 299.30 Td (a ) Tj ET Q q 0 0 0 rg BT 376.69 299.30 Td (price ) Tj ET Q q 0 0 0 rg BT 398.44 299.30 Td (below ) Tj ET Q q 0 0 0 rg BT 424.64 299.30 Td (the ) Tj ET Q q 0 0 0 rg BT 438.62 299.30 Td (value ) Tj ET Q q 0 0 0 rg BT 462.03 299.30 Td (indicated ) Tj ET Q q 0 0 0 rg BT 500.44 299.30 Td (by ) Tj ET Q q 0 0 0 rg BT 512.21 299.30 Td (an ) Tj ET Q q 0 0 0 rg BT 523.41 299.30 Td (appraisal, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 287.30 Td (we ) Tj ET Q q 0 0 0 rg BT 64.16 287.30 Td (may ) Tj ET Q q 0 0 0 rg BT 83.88 287.30 Td (take ) Tj ET Q q 0 0 0 rg BT 103.03 287.30 Td (a ) Tj ET Q q 0 0 0 rg BT 109.97 287.30 Td (char) Tj ET Q q 0 0 0 rg BT 127.00 287.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 147.92 287.30 Td (f ) Tj ET Q q 0 0 0 rg BT 153.75 287.30 Td (beyond ) Tj ET Q q 0 0 0 rg BT 185.68 287.30 Td (the ) Tj ET Q q 0 0 0 rg BT 200.40 287.30 Td (value ) Tj ET Q q 0 0 0 rg BT 224.56 287.30 Td (that ) Tj ET Q q 0 0 0 rg BT 242.05 287.30 Td (an ) Tj ET Q q 0 0 0 rg BT 253.99 287.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 292.58 287.30 Td (would ) Tj ET Q q 0 0 0 rg BT 320.08 287.30 Td (have ) Tj ET Q q 0 0 0 rg BT 341.46 287.30 Td (indicated.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.44 263.30 Td (market ) Tj ET Q q 0 0 0 rg BT 105.87 263.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 150.21 263.30 Td (may ) Tj ET Q q 0 0 0 rg BT 170.09 263.30 Td (require ) Tj ET Q q 0 0 0 rg BT 201.08 263.30 Td (a ) Tj ET Q q 0 0 0 rg BT 208.19 263.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 239.72 263.30 Td (to ) Tj ET Q q 0 0 0 rg BT 250.17 263.30 Td (bring ) Tj ET Q q 0 0 0 rg BT 273.95 263.30 Td (the ) Tj ET Q q 0 0 0 rg BT 288.84 263.30 Td (carrying ) Tj ET Q q 0 0 0 rg BT 324.82 263.30 Td (value ) Tj ET Q q 0 0 0 rg BT 349.15 263.30 Td (of ) Tj ET Q q 0 0 0 rg BT 360.15 263.30 Td (the ) Tj ET Q q 0 0 0 rg BT 375.04 263.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 394.92 263.30 Td (below ) Tj ET Q q 0 0 0 rg BT 422.03 263.30 Td (the ) Tj ET Q q 0 0 0 rg BT 436.92 263.30 Td (net ) Tj ET Q q 0 0 0 rg BT 451.80 263.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 492.79 263.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 532.67 263.30 Td (such ) Tj ET Q q 0 0 0 rg BT 553.67 263.30 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.30 Td (litigation ) Tj ET Q q 0 0 0 rg BT 89.76 251.30 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 141.75 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 157.62 251.30 Td (borrower ) Tj ET Q q 0 0 0 rg BT 197.92 251.30 Td (and/or ) Tj ET Q q 0 0 0 rg BT 227.13 251.30 Td (property ) Tj ET Q q 0 0 0 rg BT 264.66 251.30 Td (securing ) Tj ET Q q 0 0 0 rg BT 302.19 251.30 Td (our ) Tj ET Q q 0 0 0 rg BT 319.17 251.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 340.05 251.30 Td (or ) Tj ET Q q 0 0 0 rg BT 352.03 251.30 Td (other ) Tj ET Q q 0 0 0 rg BT 376.23 251.30 Td (market ) Tj ET Q q 0 0 0 rg BT 407.65 251.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 452.97 251.30 Td (impacting ) Tj ET Q q 0 0 0 rg BT 496.62 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.49 251.30 Td (value ) Tj ET Q q 0 0 0 rg BT 537.80 251.30 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 251.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.30 Td (collateral.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.30 Td (Having ) Tj ET Q q 0 0 0 rg BT 81.73 215.30 Td (determined ) Tj ET Q q 0 0 0 rg BT 129.00 215.30 Td (the ) Tj ET Q q 0 0 0 rg BT 143.51 215.30 Td (net ) Tj ET Q q 0 0 0 rg BT 158.02 215.30 Td (value ) Tj ET Q q 0 0 0 rg BT 181.97 215.30 Td (based ) Tj ET Q q 0 0 0 rg BT 207.03 215.30 Td (on ) Tj ET Q q 0 0 0 rg BT 219.32 215.30 Td (the ) Tj ET Q q 0 0 0 rg BT 233.83 215.30 Td (factors ) Tj ET Q q 0 0 0 rg BT 263.33 215.30 Td (such ) Tj ET Q q 0 0 0 rg BT 283.96 215.30 Td (as ) Tj ET Q q 0 0 0 rg BT 294.58 215.30 Td (those ) Tj ET Q q 0 0 0 rg BT 317.98 215.30 Td (noted ) Tj ET Q q 0 0 0 rg BT 342.49 215.30 Td (above ) Tj ET Q q 0 0 0 rg BT 368.66 215.30 Td (and ) Tj ET Q q 0 0 0 rg BT 385.39 215.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 427.10 215.30 Td (that ) Tj ET Q q 0 0 0 rg BT 444.39 215.30 Td (value ) Tj ET Q q 0 0 0 rg BT 468.34 215.30 Td (to ) Tj ET Q q 0 0 0 rg BT 478.41 215.30 Td (the ) Tj ET Q q 0 0 0 rg BT 492.92 215.30 Td (book ) Tj ET Q q 0 0 0 rg BT 515.21 215.30 Td (value ) Tj ET Q q 0 0 0 rg BT 539.16 215.30 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 215.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.30 Td (loan, ) Tj ET Q q 0 0 0 rg BT 72.05 203.30 Td (the ) Tj ET Q q 0 0 0 rg BT 86.60 203.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.83 203.30 Td (arrives ) Tj ET Q q 0 0 0 rg BT 157.37 203.30 Td (at ) Tj ET Q q 0 0 0 rg BT 166.92 203.30 Td (a ) Tj ET Q q 0 0 0 rg BT 173.70 203.30 Td (char) Tj ET Q q 0 0 0 rg BT 190.72 203.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 211.64 203.30 Td (f ) Tj ET Q q 0 0 0 rg BT 217.31 203.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 249.64 203.30 Td (or ) Tj ET Q q 0 0 0 rg BT 260.30 203.30 Td (a ) Tj ET Q q 0 0 0 rg BT 267.08 203.30 Td (specific ) Tj ET Q q 0 0 0 rg BT 300.50 203.30 Td (reserve ) Tj ET Q q 0 0 0 rg BT 331.71 203.30 Td (included ) Tj ET Q q 0 0 0 rg BT 368.48 203.30 Td (in ) Tj ET Q q 0 0 0 rg BT 378.59 203.30 Td (the ) Tj ET Q q 0 0 0 rg BT 393.14 203.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 436.01 203.30 Td (for ) Tj ET Q q 0 0 0 rg BT 450.01 203.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 469.56 203.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 498.28 203.30 Td (In ) Tj ET Q q 0 0 0 rg BT 508.95 203.30 Td (summary) Tj ET Q q 0 0 0 rg BT 545.52 203.30 Td (, ) Tj ET Q q 0 0 0 rg BT 550.35 203.30 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 89.73 191.30 Td (dependent ) Tj ET Q q 0 0 0 rg BT 133.36 191.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 159.51 191.30 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 202.03 191.30 Td (are ) Tj ET Q q 0 0 0 rg BT 216.77 191.30 Td (used ) Tj ET Q q 0 0 0 rg BT 237.64 191.30 Td (as ) Tj ET Q q 0 0 0 rg BT 248.51 191.30 Td (the ) Tj ET Q q 0 0 0 rg BT 263.26 191.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 279.68 191.30 Td (value ) Tj ET Q q 0 0 0 rg BT 303.87 191.30 Td (starting ) Tj ET Q q 0 0 0 rg BT 336.40 191.30 Td (point ) Tj ET Q q 0 0 0 rg BT 359.49 191.30 Td (in ) Tj ET Q q 0 0 0 rg BT 369.81 191.30 Td (the ) Tj ET Q q 0 0 0 rg BT 384.56 191.30 Td (estimate ) Tj ET Q q 0 0 0 rg BT 420.42 191.30 Td (of ) Tj ET Q q 0 0 0 rg BT 431.28 191.30 Td (net ) Tj ET Q q 0 0 0 rg BT 446.04 191.30 Td (value. ) Tj ET Q q 0 0 0 rg BT 472.73 191.30 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 515.26 191.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 537.79 191.30 Td (to ) Tj ET Q q 0 0 0 rg BT 548.11 191.30 Td (sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.30 Td (are ) Tj ET Q q 0 0 0 rg BT 64.97 179.30 Td (deducted ) Tj ET Q q 0 0 0 rg BT 103.83 179.30 Td (from ) Tj ET Q q 0 0 0 rg BT 126.04 179.30 Td (the ) Tj ET Q q 0 0 0 rg BT 141.02 179.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 182.10 179.30 Td (value ) Tj ET Q q 0 0 0 rg BT 206.52 179.30 Td (to ) Tj ET Q q 0 0 0 rg BT 217.07 179.30 Td (arrive ) Tj ET Q q 0 0 0 rg BT 243.15 179.30 Td (at ) Tj ET Q q 0 0 0 rg BT 253.13 179.30 Td (the ) Tj ET Q q 0 0 0 rg BT 268.12 179.30 Td (net ) Tj ET Q q 0 0 0 rg BT 283.10 179.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 324.18 179.30 Td (value. ) Tj ET Q q 0 0 0 rg BT 350.49 179.30 Td (Although ) Tj ET Q q 0 0 0 rg BT 391.04 179.30 Td (an ) Tj ET Q q 0 0 0 rg BT 403.24 179.30 Td (external ) Tj ET Q q 0 0 0 rg BT 438.21 179.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 477.07 179.30 Td (is ) Tj ET Q q 0 0 0 rg BT 486.50 179.30 Td (the ) Tj ET Q q 0 0 0 rg BT 501.49 179.30 Td (primary ) Tj ET Q q 0 0 0 rg BT 535.91 179.30 Td (source ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.30 Td (of ) Tj ET Q q 0 0 0 rg BT 60.35 167.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 99.58 167.30 Td (utilized ) Tj ET Q q 0 0 0 rg BT 131.59 167.30 Td (for ) Tj ET Q q 0 0 0 rg BT 145.27 167.30 Td (char) Tj ET Q q 0 0 0 rg BT 162.29 167.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 183.21 167.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 192.45 167.30 Td (on ) Tj ET Q q 0 0 0 rg BT 204.47 167.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 243.69 167.30 Td (dependent ) Tj ET Q q 0 0 0 rg BT 286.80 167.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 312.43 167.30 Td (alternative ) Tj ET Q q 0 0 0 rg BT 356.65 167.30 Td (sources ) Tj ET Q q 0 0 0 rg BT 388.65 167.30 Td (of ) Tj ET Q q 0 0 0 rg BT 399.00 167.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 438.23 167.30 Td (may ) Tj ET Q q 0 0 0 rg BT 457.47 167.30 Td (become ) Tj ET Q q 0 0 0 rg BT 490.58 167.30 Td (available ) Tj ET Q q 0 0 0 rg BT 528.69 167.30 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 89.04 155.30 Td (dates. ) Tj ET Q q 0 0 0 rg BT 114.39 155.30 Td (As ) Tj ET Q q 0 0 0 rg BT 128.45 155.30 Td (a ) Tj ET Q q 0 0 0 rg BT 135.84 155.30 Td (result, ) Tj ET Q q 0 0 0 rg BT 163.51 155.30 Td (we ) Tj ET Q q 0 0 0 rg BT 178.12 155.30 Td (may ) Tj ET Q q 0 0 0 rg BT 198.29 155.30 Td (utilize ) Tj ET Q q 0 0 0 rg BT 226.23 155.30 Td (values ) Tj ET Q q 0 0 0 rg BT 254.73 155.30 Td (obtained ) Tj ET Q q 0 0 0 rg BT 292.11 155.30 Td (through ) Tj ET Q q 0 0 0 rg BT 326.17 155.30 Td (these ) Tj ET Q q 0 0 0 rg BT 349.67 155.30 Td (alternating ) Tj ET Q q 0 0 0 rg BT 395.38 155.30 Td (sources, ) Tj ET Q q 0 0 0 rg BT 430.82 155.30 Td (which ) Tj ET Q q 0 0 0 rg BT 458.21 155.30 Td (include ) Tj ET Q q 0 0 0 rg BT 490.59 155.30 Td (purchase ) Tj ET Q q 0 0 0 rg BT 529.08 155.30 Td (and ) Tj ET Q q 0 0 0 rg BT 546.47 155.30 Td (sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.30 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 101.69 143.30 Td (legitimate ) Tj ET Q q 0 0 0 rg BT 145.33 143.30 Td (indications ) Tj ET Q q 0 0 0 rg BT 192.87 143.30 Td (of ) Tj ET Q q 0 0 0 rg BT 204.85 143.30 Td (interest, ) Tj ET Q q 0 0 0 rg BT 240.44 143.30 Td (negotiated ) Tj ET Q q 0 0 0 rg BT 285.75 143.30 Td (short ) Tj ET Q q 0 0 0 rg BT 309.41 143.30 Td (sales, ) Tj ET Q q 0 0 0 rg BT 335.00 143.30 Td (realtor ) Tj ET Q q 0 0 0 rg BT 364.75 143.30 Td (price ) Tj ET Q q 0 0 0 rg BT 388.39 143.30 Td (opinions, ) Tj ET Q q 0 0 0 rg BT 429.00 143.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 448.20 143.30 Td (of ) Tj ET Q q 0 0 0 rg BT 460.19 143.30 Td (the ) Tj ET Q q 0 0 0 rg BT 476.06 143.30 Td (note ) Tj ET Q q 0 0 0 rg BT 496.93 143.30 Td (or ) Tj ET Q q 0 0 0 rg BT 508.92 143.30 Td (support ) Tj ET Q q 0 0 0 rg BT 542.58 143.30 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 131.30 Td (guarantors, ) Tj ET Q q 0 0 0 rg BT 97.40 131.30 Td (as ) Tj ET Q q 0 0 0 rg BT 108.43 131.30 Td (the ) Tj ET Q q 0 0 0 rg BT 123.34 131.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 146.03 131.30 Td (for ) Tj ET Q q 0 0 0 rg BT 160.39 131.30 Td (char) Tj ET Q q 0 0 0 rg BT 177.41 131.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 198.33 131.30 Td (fs. ) Tj ET Q q 0 0 0 rg BT 210.55 131.30 Td (These ) Tj ET Q q 0 0 0 rg BT 237.12 131.30 Td (alternative ) Tj ET Q q 0 0 0 rg BT 282.01 131.30 Td (sources ) Tj ET Q q 0 0 0 rg BT 314.70 131.30 Td (of ) Tj ET Q q 0 0 0 rg BT 325.72 131.30 Td (value ) Tj ET Q q 0 0 0 rg BT 350.07 131.30 Td (are ) Tj ET Q q 0 0 0 rg BT 364.97 131.30 Td (used ) Tj ET Q q 0 0 0 rg BT 386.00 131.30 Td (only ) Tj ET Q q 0 0 0 rg BT 406.47 131.30 Td (if ) Tj ET Q q 0 0 0 rg BT 415.27 131.30 Td (deemed ) Tj ET Q q 0 0 0 rg BT 449.06 131.30 Td (to ) Tj ET Q q 0 0 0 rg BT 459.53 131.30 Td (be ) Tj ET Q q 0 0 0 rg BT 471.67 131.30 Td (more ) Tj ET Q q 0 0 0 rg BT 494.91 131.30 Td (representative ) Tj ET Q q 0 0 0 rg BT 553.68 131.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 119.30 Td (value ) Tj ET Q q 0 0 0 rg BT 74.20 119.30 Td (based ) Tj ET Q q 0 0 0 rg BT 99.51 119.30 Td (on ) Tj ET Q q 0 0 0 rg BT 112.05 119.30 Td (updated ) Tj ET Q q 0 0 0 rg BT 146.25 119.30 Td (information ) Tj ET Q q 0 0 0 rg BT 196.01 119.30 Td (regarding ) Tj ET Q q 0 0 0 rg BT 236.86 119.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 276.60 119.30 Td (resolution. ) Tj ET Q q 0 0 0 rg BT 321.64 119.30 Td (In ) Tj ET Q q 0 0 0 rg BT 332.52 119.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 370.33 119.30 Td (if ) Tj ET Q q 0 0 0 rg BT 378.98 119.30 Td (an ) Tj ET Q q 0 0 0 rg BT 390.96 119.30 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 429.60 119.30 Td (is ) Tj ET Q q 0 0 0 rg BT 438.81 119.30 Td (not ) Tj ET Q q 0 0 0 rg BT 454.14 119.30 Td (deemed ) Tj ET Q q 0 0 0 rg BT 487.77 119.30 Td (current, ) Tj ET Q q 0 0 0 rg BT 521.13 119.30 Td (a ) Tj ET Q q 0 0 0 rg BT 528.11 119.30 Td (discount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.30 Td (to ) Tj ET Q q 0 0 0 rg BT 60.04 107.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 100.61 107.30 Td (value ) Tj ET Q q 0 0 0 rg BT 124.52 107.30 Td (may ) Tj ET Q q 0 0 0 rg BT 144.00 107.30 Td (be ) Tj ET Q q 0 0 0 rg BT 155.70 107.30 Td (utilized. ) Tj ET Q q 0 0 0 rg BT 189.95 107.30 Td (Any ) Tj ET Q q 0 0 0 rg BT 209.43 107.30 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 259.46 107.30 Td (from ) Tj ET Q q 0 0 0 rg BT 281.15 107.30 Td (appraised ) Tj ET Q q 0 0 0 rg BT 321.73 107.30 Td (value ) Tj ET Q q 0 0 0 rg BT 345.64 107.30 Td (to ) Tj ET Q q 0 0 0 rg BT 355.68 107.30 Td (net ) Tj ET Q q 0 0 0 rg BT 370.15 107.30 Td (value ) Tj ET Q q 0 0 0 rg BT 394.07 107.30 Td (are ) Tj ET Q q 0 0 0 rg BT 408.53 107.30 Td (detailed ) Tj ET Q q 0 0 0 rg BT 442.44 107.30 Td (and ) Tj ET Q q 0 0 0 rg BT 459.14 107.30 Td (justified ) Tj ET Q q 0 0 0 rg BT 494.17 107.30 Td (in ) Tj ET Q q 0 0 0 rg BT 504.21 107.30 Td (an ) Tj ET Q q 0 0 0 rg BT 515.90 107.30 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.30 Td (analysis, ) Tj ET Q q 0 0 0 rg BT 87.22 95.30 Td (which ) Tj ET Q q 0 0 0 rg BT 114.16 95.30 Td (is ) Tj ET Q q 0 0 0 rg BT 123.33 95.30 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 162.47 95.30 Td (and ) Tj ET Q q 0 0 0 rg BT 179.41 95.30 Td (approved ) Tj ET Q q 0 0 0 rg BT 219.12 95.30 Td (by ) Tj ET Q q 0 0 0 rg BT 231.62 95.30 Td (the ) Tj ET Q q 0 0 0 rg BT 246.33 95.30 Td (Company) Tj ET Q q 0 0 0 rg BT 288.00 95.30 Td (s ) Tj ET Q q 0 0 0 rg BT 294.39 95.30 Td (Managed ) Tj ET Q q 0 0 0 rg BT 333.54 95.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 362.16 95.30 Td (Division.) Tj ET Q endstream endobj 177 0 obj <> endobj 178 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (88) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (TDRs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (At ) Tj ET Q q 0 0 0 rg BT 62.71 721.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 121.51 721.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 146.73 721.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.66 721.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 203.26 721.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.41 721.10 Td ($51.9 ) Tj ET Q q 0 0 0 rg BT 245.62 721.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.51 721.10 Td ( ) Tj ET Q q 0 0 0 rg BT 277.23 721.10 Td (in ) Tj ET Q q 0 0 0 rg BT 287.72 721.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 311.54 721.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 352.02 721.10 Td (as ) Tj ET Q q 0 0 0 rg BT 362.87 721.10 Td (TDRs. ) Tj ET Q q 0 0 0 rg BT 391.78 721.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.04 721.10 Td ($51.9 ) Tj ET Q q 0 0 0 rg BT 435.25 721.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.14 721.10 Td ( ) Tj ET Q q 0 0 0 rg BT 466.86 721.10 Td (in ) Tj ET Q q 0 0 0 rg BT 477.15 721.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 503.76 721.10 Td (represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.01 721.10 Td (102) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 78.88 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 88.88 709.10 Td (which ) Tj ET Q q 0 0 0 rg BT 115.53 709.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 156.63 709.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 206.62 709.10 Td (were ) Tj ET Q q 0 0 0 rg BT 228.27 709.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 260.47 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.47 709.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 299.89 709.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 342.66 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.66 709.10 Td (better ) Tj ET Q q 0 0 0 rg BT 377.64 709.10 Td (align ) Tj ET Q q 0 0 0 rg BT 399.86 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.29 709.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 438.73 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.28 709.10 Td (their ) Tj ET Q q 0 0 0 rg BT 469.83 709.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 493.16 709.10 Td (with ) Tj ET Q q 0 0 0 rg BT 513.16 709.10 Td (their ) Tj ET Q q 0 0 0 rg BT 533.70 709.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.05 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.33 697.10 Td (pay) Tj ET Q q 0 0 0 rg BT 102.12 697.10 Td (. ) Tj ET Q q 0 0 0 rg BT 106.94 697.10 Td (The ) Tj ET Q q 0 0 0 rg BT 124.99 697.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 158.02 697.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 199.93 697.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.87 697.10 Td ($82.3 ) Tj ET Q q 0 0 0 rg BT 246.87 697.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.76 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 278.26 697.10 Td (representing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.19 697.10 Td (145) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.19 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.69 697.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 376.84 697.10 Td (at ) Tj ET Q q 0 0 0 rg BT 386.56 697.10 Td (December ) Tj ET Q q 0 0 0 rg BT 430.14 697.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 445.14 697.10 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (Concessions ) Tj ET Q q 0 0 0 rg BT 102.28 676.10 Td (were ) Tj ET Q q 0 0 0 rg BT 123.98 676.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 156.24 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 168.52 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.23 676.10 Td (case-by-case ) Tj ET Q q 0 0 0 rg BT 228.58 676.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 250.85 676.10 Td (working ) Tj ET Q q 0 0 0 rg BT 286.46 676.10 Td (with ) Tj ET Q q 0 0 0 rg BT 306.51 676.10 Td (these ) Tj ET Q q 0 0 0 rg BT 329.34 676.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 372.15 676.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.21 676.10 Td (find ) Tj ET Q q 0 0 0 rg BT 400.59 676.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 438.97 676.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 463.46 676.10 Td (that ) Tj ET Q q 0 0 0 rg BT 480.73 676.10 Td (would ) Tj ET Q q 0 0 0 rg BT 508.01 676.10 Td (assist ) Tj ET Q q 0 0 0 rg BT 531.95 676.10 Td (them ) Tj ET Q q 0 0 0 rg BT 554.22 676.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (retaining ) Tj ET Q q 0 0 0 rg BT 87.24 664.10 Td (their ) Tj ET Q q 0 0 0 rg BT 107.26 664.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 151.17 664.10 Td (or ) Tj ET Q q 0 0 0 rg BT 161.20 664.10 Td (their ) Tj ET Q q 0 0 0 rg BT 181.22 664.10 Td (homes ) Tj ET Q q 0 0 0 rg BT 209.02 664.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.15 664.10 Td (attempt ) Tj ET Q q 0 0 0 rg BT 256.84 664.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.31 664.10 Td (keep ) Tj ET Q q 0 0 0 rg BT 286.88 664.10 Td (these ) Tj ET Q q 0 0 0 rg BT 309.12 664.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 331.92 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 341.40 664.10 Td (an ) Tj ET Q q 0 0 0 rg BT 352.53 664.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 388.65 664.10 Td (status ) Tj ET Q q 0 0 0 rg BT 413.12 664.10 Td (for ) Tj ET Q q 0 0 0 rg BT 426.47 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.39 664.10 Td (Company) Tj ET Q q 0 0 0 rg BT 478.62 664.10 Td (. ) Tj ET Q q 0 0 0 rg BT 482.69 664.10 Td (T) Tj ET Q q 0 0 0 rg BT 488.10 664.10 Td (ypical ) Tj ET Q q 0 0 0 rg BT 514.23 664.10 Td (concessions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (include ) Tj ET Q q 0 0 0 rg BT 81.71 652.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 121.74 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.35 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.84 652.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 178.54 652.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 195.80 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 208.07 652.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.56 652.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 242.05 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.10 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 258.82 652.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 276.07 652.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 321.66 652.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 346.70 652.10 Td (than ) Tj ET Q q 0 0 0 rg BT 366.19 652.10 Td (market ) Tj ET Q q 0 0 0 rg BT 396.23 652.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.94 652.10 Td (other ) Tj ET Q q 0 0 0 rg BT 435.76 652.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 489.13 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.74 652.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 524.23 652.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (for) Tj ET Q q 0 0 0 rg BT 61.48 640.10 Td (giveness ) Tj ET Q q 0 0 0 rg BT 99.38 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.17 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 119.08 640.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 151.43 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.22 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.90 640.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 199.58 640.10 Td (balance, ) Tj ET Q q 0 0 0 rg BT 236.08 640.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 277.86 640.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.66 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.34 640.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 342.68 640.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 365.30 640.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 394.31 640.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 452.77 640.10 Td (from ) Tj ET Q q 0 0 0 rg BT 475.67 640.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 514.67 640.10 Td (and ) Tj ET Q q 0 0 0 rg BT 532.58 640.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.31 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.08 628.10 Td (interest-only ) Tj ET Q q 0 0 0 rg BT 152.61 628.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 192.92 628.10 Td (for ) Tj ET Q q 0 0 0 rg BT 206.57 628.10 Td (a ) Tj ET Q q 0 0 0 rg BT 212.99 628.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 242.18 628.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 272.22 628.10 Td ( ) Tj ET Q q 0 0 0 rg BT 274.20 628.10 Td (See ) Tj ET Q q 0 0 0 rg BT 290.63 628.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 312.06 628.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 319.04 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.36 628.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 384.12 628.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 423.32 628.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 469.19 628.10 Td (in ) Tj ET Q q 0 0 0 rg BT 478.96 628.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 499.27 628.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 506.25 628.10 Td (of ) Tj ET Q q 0 0 0 rg BT 516.57 628.10 Td (this ) Tj ET Q q 0 0 0 rg BT 532.57 628.10 Td (Annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 80.56 616.10 Td (on ) Tj ET Q q 0 0 0 rg BT 93.89 616.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 118.90 616.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 142.79 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 157.79 616.10 Td (further ) Tj ET Q q 0 0 0 rg BT 188.34 616.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 233.35 616.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 275.00 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.56 616.10 Td (ef) Tj ET Q q 0 0 0 rg BT 298.15 616.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 345.91 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.58 616.10 Td (these ) Tj ET Q q 0 0 0 rg BT 381.46 616.10 Td (modifications ) Tj ET Q q 0 0 0 rg BT 439.79 616.10 Td (in ) Tj ET Q q 0 0 0 rg BT 450.91 616.10 Td (keeping ) Tj ET Q q 0 0 0 rg BT 485.90 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.46 616.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 540.90 616.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (current ) Tj ET Q q 0 0 0 rg BT 80.82 604.10 Td (based ) Tj ET Q q 0 0 0 rg BT 106.08 604.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 128.58 604.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 175.50 604.10 Td (terms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 98.73 583.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.13 583.10 Td (its ) Tj ET Q q 0 0 0 rg BT 121.20 583.10 Td (restructuring, ) Tj ET Q q 0 0 0 rg BT 177.42 583.10 Td (any ) Tj ET Q q 0 0 0 rg BT 194.29 583.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 216.91 583.10 Td (that ) Tj ET Q q 0 0 0 rg BT 234.53 583.10 Td (becomes ) Tj ET Q q 0 0 0 rg BT 272.13 583.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 318.62 583.10 Td (or ) Tj ET Q q 0 0 0 rg BT 329.57 583.10 Td (more ) Tj ET Q q 0 0 0 rg BT 352.74 583.10 Td (than ) Tj ET Q q 0 0 0 rg BT 372.58 583.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 385.20 583.10 Td (days ) Tj ET Q q 0 0 0 rg BT 406.15 583.10 Td (past-due ) Tj ET Q q 0 0 0 rg BT 442.65 583.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.71 583.10 Td (still ) Tj ET Q q 0 0 0 rg BT 477.34 583.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 514.39 583.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 546.44 583.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (be ) Tj ET Q q 0 0 0 rg BT 63.92 571.10 Td (included ) Tj ET Q q 0 0 0 rg BT 102.83 571.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.08 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.77 571.10 Td (Company) Tj ET Q q 0 0 0 rg BT 173.44 571.10 Td (s ) Tj ET Q q 0 0 0 rg BT 181.81 571.10 Td (nonperforming ) Tj ET Q q 0 0 0 rg BT 246.27 571.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 274.35 571.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 298.49 571.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 322.97 571.10 Td (was ) Tj ET Q q 0 0 0 rg BT 343.00 571.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 384.12 571.10 Td (for ) Tj ET Q q 0 0 0 rg BT 400.26 571.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 450.83 571.10 Td (at ) Tj ET Q q 0 0 0 rg BT 462.52 571.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 523.08 571.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 547.56 571.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.51 559.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 130.77 559.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.66 559.10 Td ( ) Tj ET Q q 0 0 0 rg BT 162.41 559.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.50 559.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 222.35 559.10 Td (was ) Tj ET Q q 0 0 0 rg BT 240.65 559.10 Td (present ) Tj ET Q q 0 0 0 rg BT 272.29 559.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.48 559.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 345.54 559.10 Td (reserved ) Tj ET Q q 0 0 0 rg BT 382.16 559.10 Td (for ) Tj ET Q q 0 0 0 rg BT 396.58 559.10 Td (through ) Tj ET Q q 0 0 0 rg BT 430.44 559.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.41 559.10 Td (Company) Tj ET Q q 0 0 0 rg BT 487.08 559.10 Td (s ) Tj ET Q q 0 0 0 rg BT 493.72 559.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 524.80 559.10 Td (reserving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 105.30 547.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.61 547.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.36 547.10 Td (Company) Tj ET Q q 0 0 0 rg BT 172.02 547.10 Td (s ) Tj ET Q q 0 0 0 rg BT 178.44 547.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 221.50 547.10 Td (for ) Tj ET Q q 0 0 0 rg BT 235.69 547.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 255.44 547.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 284.36 547.10 Td ( ) Tj ET Q q 0 0 0 rg BT 286.33 547.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 336.23 547.10 Td (, ) Tj ET Q q 0 0 0 rg BT 341.26 547.10 Td (at ) Tj ET Q q 0 0 0 rg BT 351.01 547.10 Td (December ) Tj ET Q q 0 0 0 rg BT 394.62 547.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 409.65 547.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 434.68 547.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.43 547.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 490.84 547.10 Td (was ) Tj ET Q q 0 0 0 rg BT 508.92 547.10 Td (committed ) Tj ET Q q 0 0 0 rg BT 554.22 547.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (lend ) Tj ET Q q 0 0 0 rg BT 69.72 535.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 112.21 535.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 136.93 535.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.21 535.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 190.25 535.10 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.30 535.10 Td ($32,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.80 535.10 Td ( ) Tj ET Q q 0 0 0 rg BT 258.30 535.10 Td (under ) Tj ET Q q 0 0 0 rg BT 283.57 535.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.29 535.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 345.21 535.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 369.92 535.10 Td (related ) Tj ET Q q 0 0 0 rg BT 399.62 535.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.72 535.10 Td (TDRs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 514.10 Td (table ) Tj ET Q q 0 0 0 rg BT 89.98 514.10 Td (below ) Tj ET Q q 0 0 0 rg BT 116.92 514.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 152.19 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 159.13 514.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 198.84 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.49 514.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 235.88 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 250.04 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.76 514.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 307.79 514.10 Td (periods, ) Tj ET Q q 0 0 0 rg BT 342.23 514.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 383.05 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 395.55 514.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 415.26 514.10 Td (category ) Tj ET Q q 0 0 0 rg BT 452.19 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.13 514.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 500.49 514.10 Td (status:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 503.30 Td () Tj ET Q 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344.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 330.79999999999995 m 481.5 330.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 344.79999999999995 m 562.5 344.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 330.79999999999995 m 562.5 330.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 275.79999999999995 m 477.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 261.79999999999995 m 477.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 275.79999999999995 m 481.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 261.79999999999995 m 481.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 275.79999999999995 m 562.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 261.79999999999995 m 562.5 261.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 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399.00 446.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.50 446.48 Td (5,613) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 446.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 446.37 Td (6,654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 432.37 Td (Commercial real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.50 432.48 Td (32,777) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 432.37 Td (60,120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 418.37 Td (Residential real estate and other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.50 418.48 Td (4,354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 418.37 Td (2,923) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 404.37 Td (Total accruing TDRs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 404.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.50 404.48 Td (42,744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 404.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 404.37 Td (69,697) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 390.53 Td (Non-accrual ) Tj ET Q q 0 0 0 rg BT 108.09 390.53 Td (TDRs: ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 138.92 395.06 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 146.50 390.53 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 377.37 Td (Commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 377.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.00 377.48 Td (134) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 377.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 377.37 Td (922) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 363.37 Td (Commercial real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.50 363.48 Td (5,930) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 363.37 Td (7,503) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 349.37 Td (Residential real estate and other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.50 349.48 Td (3,045) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 349.37 Td (4,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 335.37 Td (Total non-accrual TDRs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 335.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.50 335.48 Td (9,109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 335.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 335.37 Td (12,578) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 321.53 Td (Total TDRs:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 308.37 Td (Commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 308.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.50 308.48 Td (5,747) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 308.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 308.37 Td (7,576) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 294.37 Td (Commercial real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.50 294.48 Td (38,707) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 294.37 Td (67,623) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 280.37 Td (Residential real estate and other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.50 280.48 Td (7,399) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 280.37 Td (7,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 266.37 Td (Total TDRs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 266.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 439.50 266.48 Td (51,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 266.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 266.37 Td (82,275) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 252.53 Td (Weighted-average contractual interest rate of TDRs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.50 252.48 Td (4.13) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 467.00 252.48 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 252.37 Td (4.09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 252.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 236.30 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.11 236.30 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 236.30 Td (Included ) Tj ET Q q 0 0 0 rg BT 117.94 236.30 Td (in ) Tj ET Q q 0 0 0 rg BT 128.21 236.30 Td (total ) Tj ET Q q 0 0 0 rg BT 149.05 236.30 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 214.88 236.30 Td (loans.) Tj ET Q endstream endobj 179 0 obj <> endobj 180 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (89) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (TDR Rollforwar) Tj ET Q q 0 0 0 rg BT 114.92 742.10 Td (d) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 721.10 Td (table ) Tj ET Q q 0 0 0 rg BT 90.65 721.10 Td (below ) Tj ET Q q 0 0 0 rg BT 117.93 721.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 153.54 721.10 Td (a ) Tj ET Q q 0 0 0 rg BT 160.81 721.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 200.86 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.83 721.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 238.55 721.10 Td (as ) Tj ET Q q 0 0 0 rg BT 249.72 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.89 721.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 319.81 721.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 345.15 721.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 367.98 721.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.26 721.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 410.60 721.10 Td (and ) Tj ET Q q 0 0 0 rg BT 427.87 721.10 Td (shows ) Tj ET Q q 0 0 0 rg BT 455.71 721.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.77 721.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 505.81 721.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.43 721.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.48 721.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (during ) Tj ET Q q 0 0 0 rg BT 78.61 709.10 Td (those ) Tj ET Q q 0 0 0 rg BT 102.22 709.10 Td (periods:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 670.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 670.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 670.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 670.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 670.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 670.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 670.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 670.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 670.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 642.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 642.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 642.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 642.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 642.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 642.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 642.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 642.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 642.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 614.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 614.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 614.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 614.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 614.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 614.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 614.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 614.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 614.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 585.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 585.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 585.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 585.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 585.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 585.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 585.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 585.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 585.60 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 698.6 m 280.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 670.6 m 280.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 698.6 m 284.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 670.6 m 284.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 698.6 m 350.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 670.6 m 350.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 698.6 m 354.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 670.6 m 354.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 698.6 m 421.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 670.6 m 421.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 698.6 m 425.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 670.6 m 425.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 698.6 m 491.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 670.6 m 491.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 698.6 m 495.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 670.6 m 495.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 698.6 m 562.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 670.6 m 562.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 670.6 m 350.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 670.6 m 354.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 670.6 m 421.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 670.6 m 425.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 670.6 m 491.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 670.6 m 495.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 670.6 m 562.5 670.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 558.6 m 280.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 558.6 m 284.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 571.6 m 350.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 558.6 m 350.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 571.6 m 354.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 558.6 m 354.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 571.6 m 421.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 558.6 m 421.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 571.6 m 425.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 558.6 m 425.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 571.6 m 491.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 558.6 m 491.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 571.6 m 495.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 558.6 m 495.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 571.6 m 562.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 558.6 m 562.5 558.6 l s BT /F3 10.00 Tf ET q 0 0 0 rg BT 53.00 683.63 Td (Y) Tj ET Q q 0 0 0 rg BT 58.00 683.63 Td (ear Ended December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 674.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 295.95 674.83 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 366.45 682.83 Td (Commer) Tj ET Q q 0 0 0 rg BT 396.51 682.83 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.05 674.83 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.85 690.68 Td (Residential) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.55 682.68 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.40 674.68 Td (and Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.75 674.83 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 661.17 Td (Balance at beginning of period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.00 661.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.15 661.28 Td (7,576) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.00 661.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 661.28 Td (67,623) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.00 661.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 661.28 Td (7,076) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.00 661.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 661.28 Td (82,275) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 647.17 Td (Additions during the period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.65 647.28 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.65 647.28 Td (370) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 647.28 Td (1,664) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 647.28 Td (2,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 633.17 Td (Reductions:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 619.17 Td (Charge-offs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.30 619.33 Td (\(397) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.65 619.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.80 619.33 Td (\(1,975) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.65 619.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.30 619.33 Td (\(140) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 619.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.80 619.33 Td (\(2,512) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 619.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 605.17 Td (Transferred to OREO and other repossessed assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.30 605.33 Td (\(562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.65 605.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.80 605.33 Td (\(2,290) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.65 605.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.30 605.33 Td (\(414) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 605.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 532.80 605.33 Td (\(3,266) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 605.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 591.17 Td (Removal of ) Tj ET Q q 0 0 0 rg BT 108.25 591.17 Td (TDR loan status ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 175.75 595.70 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.30 590.33 Td (\(490) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.65 590.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.80 590.33 Td (\(13,019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.65 590.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 477.65 590.28 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.80 590.33 Td (\(13,509) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 590.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 576.17 Td (Payments received) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.30 576.33 Td (\(380) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.65 576.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.80 576.33 Td (\(12,002) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 417.65 576.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.30 576.33 Td (\(787) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 487.65 576.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 527.80 576.33 Td (\(13,169) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 576.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 562.17 Td (Balance at period end) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.00 562.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 324.15 562.33 Td (5,747) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.00 562.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 562.33 Td (38,707) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 428.00 562.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.15 562.33 Td (7,399) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 498.00 562.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 562.33 Td (51,853) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 520.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 520.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 520.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 520.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 520.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 520.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 520.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 520.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 520.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 492.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 492.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 492.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 492.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 492.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 492.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 492.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 492.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 492.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 464.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 464.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 464.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 464.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 464.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 464.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 464.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 464.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 464.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 436.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 436.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 436.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 436.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 436.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 436.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 436.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 436.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 436.60 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 548.6 m 280.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 520.6 m 280.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 548.6 m 284.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 520.6 m 284.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 548.6 m 350.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 520.6 m 350.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 548.6 m 354.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 520.6 m 354.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 548.6 m 421.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 520.6 m 421.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 548.6 m 425.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 520.6 m 425.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 548.6 m 491.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 520.6 m 491.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 548.6 m 495.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 520.6 m 495.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 548.6 m 562.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 520.6 m 562.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 520.6 m 350.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 520.6 m 354.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 520.6 m 421.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 520.6 m 425.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 520.6 m 491.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 520.6 m 495.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 520.6 m 562.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 408.6 m 280.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 408.6 m 284.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 422.6 m 350.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 408.6 m 350.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 422.6 m 354.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 408.6 m 354.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 422.6 m 421.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 408.6 m 421.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 422.6 m 425.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 408.6 m 425.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 422.6 m 491.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 408.6 m 491.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 422.6 m 495.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 408.6 m 495.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 422.6 m 562.5 422.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 408.6 m 562.5 408.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 53.00 533.46 Td (Y) Tj ET Q q 0 0 0 rg BT 57.64 533.46 Td (ear Ended December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 524.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.20 524.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.70 532.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.35 524.85 Td (Real Estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 540.55 Td (Residential) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.85 532.55 Td (Real Estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.10 524.55 Td (and Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.30 524.85 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 511.17 Td (Balance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.00 511.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.15 511.17 Td (7,388) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.00 511.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 511.17 Td (93,535) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.00 511.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 511.17 Td (6,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 511.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 511.17 Td (107,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 497.17 Td (Additions during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.15 497.17 Td (1,549) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 497.17 Td (8,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 497.17 Td (1,836) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 497.17 Td (11,967) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 483.17 Td (Reductions:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 469.17 Td (Charge-offs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.30 469.22 Td (\(51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 469.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 469.22 Td (\(6,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 469.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 469.22 Td (\(479) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 469.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 469.22 Td (\(7,405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 469.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 455.17 Td (Transferred to OREO and other repossessed assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.30 455.22 Td (\(252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 455.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.80 455.22 Td (\(16,057) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 455.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 455.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 455.22 Td (\(16,309) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 455.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 441.17 Td (Removal of ) Tj ET Q q 0 0 0 rg BT 108.25 441.17 Td (TDR loan status ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 175.75 445.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.30 441.22 Td (\(383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 441.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 441.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 441.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 441.22 Td (\(383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 441.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 427.17 Td (Payments received) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.30 427.22 Td (\(675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 427.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.80 427.22 Td (\(11,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 427.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 427.22 Td (\(461) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 427.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 427.22 Td (\(12,698) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 427.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 413.17 Td (Balance at period end) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.00 413.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.15 413.17 Td (7,576) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.00 413.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 413.17 Td (67,623) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.00 413.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 413.17 Td (7,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 413.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 413.17 Td (82,275) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 370.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 370.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 370.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 370.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 370.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 370.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 370.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 370.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 370.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 342.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 342.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 342.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 342.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 342.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 342.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 342.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 342.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 342.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 314.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 314.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 314.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 314.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 314.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 314.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 314.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 314.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 314.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 286.60 230.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 286.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.50 286.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 286.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.50 286.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 286.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 286.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 286.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 286.60 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 398.6 m 280.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 370.6 m 280.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 398.6 m 284.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 370.6 m 284.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 398.6 m 350.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 370.6 m 350.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 398.6 m 354.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 370.6 m 354.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 398.6 m 421.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 370.6 m 421.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 398.6 m 425.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 370.6 m 425.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 398.6 m 491.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 370.6 m 491.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 398.6 m 495.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 370.6 m 495.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 398.6 m 562.5 398.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 370.6 m 562.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 370.6 m 350.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 370.6 m 354.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 370.6 m 421.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 370.6 m 425.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 370.6 m 491.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 370.6 m 495.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 370.6 m 562.5 370.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 258.6 m 280.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 258.6 m 284.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 272.6 m 350.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 284.5 258.6 m 350.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 272.6 m 354.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 258.6 m 354.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 272.6 m 421.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.5 258.6 m 421.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 272.6 m 425.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 258.6 m 425.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 272.6 m 491.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 258.6 m 491.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 272.6 m 495.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 258.6 m 495.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 272.6 m 562.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 258.6 m 562.5 258.6 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 53.00 383.46 Td (Y) Tj ET Q q 0 0 0 rg BT 57.64 383.46 Td (ear Ended December31, 2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 374.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.20 374.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.70 382.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.35 374.85 Td (Real Estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 440.00 390.55 Td (Residential) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.85 382.55 Td (Real Estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.10 374.55 Td (and Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.30 374.85 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 361.17 Td (Balance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.00 361.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.15 361.17 Td (17,995) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.00 361.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.15 361.17 Td (102,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.00 361.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 361.17 Td (6,063) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 361.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 361.17 Td (126,473) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 347.17 Td (Additions during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.65 347.17 Td (708) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 347.17 Td (19,676) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 347.17 Td (2,296) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 347.17 Td (22,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 333.17 Td (Reductions:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 319.17 Td (Charge-offs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.80 319.22 Td (\(3,146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 319.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 319.22 Td (\(8,658) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 319.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 319.22 Td (\(369) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 319.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 319.22 Td (\(12,173) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 319.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 305.17 Td (Transferred to OREO and other repossessed assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.80 305.22 Td (\(3,800) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 305.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 305.22 Td (\(1,948) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 305.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 305.22 Td (\(103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 305.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 305.22 Td (\(5,851) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 305.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 291.17 Td (Removal of ) Tj ET Q q 0 0 0 rg BT 108.25 291.17 Td (TDR loan status ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 175.75 295.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.80 291.22 Td (\(2,932) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 291.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 291.22 Td (\(1,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 291.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 291.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 291.22 Td (\(3,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 291.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 277.17 Td (Payments received) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.80 277.22 Td (\(1,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.65 277.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.80 277.22 Td (\(16,947) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 277.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.80 277.22 Td (\(1,707) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 277.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 277.22 Td (\(20,091) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 277.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 263.17 Td (Balance at period end) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.00 263.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.15 263.17 Td (7,388) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.00 263.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 263.17 Td (93,535) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.00 263.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 263.17 Td (6,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 263.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 263.17 Td (107,103) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 247.10 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.11 247.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 247.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 103.47 247.10 Td (was ) Tj ET Q q 0 0 0 rg BT 121.50 247.10 Td (pr) Tj ET Q q 0 0 0 rg BT 130.02 247.10 Td (eviously ) Tj ET Q q 0 0 0 rg BT 165.25 247.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 205.48 247.10 Td (as ) Tj ET Q q 0 0 0 rg BT 216.84 247.10 Td (a ) Tj ET Q q 0 0 0 rg BT 224.30 247.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 245.66 247.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.12 247.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 317.24 247.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 361.36 247.10 Td (in ) Tj ET Q q 0 0 0 rg BT 371.60 247.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 420.16 247.10 Td (with ) Tj ET Q q 0 0 0 rg BT 439.85 247.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.53 247.10 Td (loan) Tj ET Q q 0 0 0 rg BT 474.35 247.10 Td (s ) Tj ET Q q 0 0 0 rg BT 480.71 247.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 518.16 247.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 542.85 247.10 Td (for ) Tj ET Q q 0 0 0 rg BT 556.98 247.10 Td (a ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 235.10 Td (period ) Tj ET Q q 0 0 0 rg BT 109.14 235.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.50 235.10 Td (six ) Tj ET Q q 0 0 0 rg BT 133.19 235.10 Td (months ) Tj ET Q q 0 0 0 rg BT 164.66 235.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 208.34 235.10 Td (over ) Tj ET Q q 0 0 0 rg BT 228.69 235.10 Td (a ) Tj ET Q q 0 0 0 rg BT 236.27 235.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 274.40 235.10 Td (year) Tj ET Q q 0 0 0 rg BT 291.97 235.10 Td (-end\) ) Tj ET Q q 0 0 0 rg BT 315.65 235.10 Td (at ) Tj ET Q q 0 0 0 rg BT 326.01 235.10 Td (a ) Tj ET Q q 0 0 0 rg BT 333.59 235.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 371.16 235.10 Td (inter) Tj ET Q q 0 0 0 rg BT 389.68 235.10 Td (est ) Tj ET Q q 0 0 0 rg BT 403.37 235.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 422.06 235.10 Td (which ) Tj ET Q q 0 0 0 rg BT 448.52 235.10 Td (r) Tj ET Q q 0 0 0 rg BT 452.04 235.10 Td (epr) Tj ET Q q 0 0 0 rg BT 465.00 235.10 Td (esented ) Tj ET Q q 0 0 0 rg BT 497.57 235.10 Td (a ) Tj ET Q q 0 0 0 rg BT 505.15 235.10 Td (market ) Tj ET Q q 0 0 0 rg BT 535.50 235.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 554.19 235.10 Td (at ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 223.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.17 223.10 Td (time ) Tj ET Q q 0 0 0 rg BT 114.88 223.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.16 223.10 Td (r) Tj ET Q q 0 0 0 rg BT 128.68 223.10 Td (estructuring. ) Tj ET Q q 0 0 0 rg BT 182.57 223.10 Td (Per ) Tj ET Q q 0 0 0 rg BT 199.51 223.10 Td (our ) Tj ET Q q 0 0 0 rg BT 215.90 223.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 237.29 223.10 Td (policy) Tj ET Q q 0 0 0 rg BT 261.17 223.10 Td (, ) Tj ET Q q 0 0 0 rg BT 266.17 223.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.89 223.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 302.28 223.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 358.11 223.10 Td (is ) Tj ET Q q 0 0 0 rg BT 367.28 223.10 Td (r) Tj ET Q q 0 0 0 rg BT 370.80 223.10 Td (emoved.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (Potential Pr) Tj ET Q q 0 0 0 rg BT 98.79 199.10 Td (oblem Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.63 178.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 139.83 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 157.25 178.10 Td (any ) Tj ET Q q 0 0 0 rg BT 174.12 178.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 193.77 178.10 Td (where ) Tj ET Q q 0 0 0 rg BT 220.63 178.10 Td (there ) Tj ET Q q 0 0 0 rg BT 243.04 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 257.68 178.10 Td (serious ) Tj ET Q q 0 0 0 rg BT 288.44 178.10 Td (doubts ) Tj ET Q q 0 0 0 rg BT 317.54 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 328.30 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.51 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.16 178.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 381.14 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.90 178.10 Td (such ) Tj ET Q q 0 0 0 rg BT 412.67 178.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 455.64 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.85 178.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 498.27 178.10 Td (with ) Tj ET Q q 0 0 0 rg BT 518.48 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.13 178.10 Td (present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.55 166.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 114.08 166.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 138.62 166.10 Td (should ) Tj ET Q q 0 0 0 rg BT 167.62 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 179.39 166.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 220.04 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 230.70 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 237.47 166.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 303.11 166.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 322.66 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.42 166.10 Td (should ) Tj ET Q q 0 0 0 rg BT 368.42 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 380.19 166.10 Td (included ) Tj ET Q q 0 0 0 rg BT 416.95 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 427.06 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.61 166.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 484.48 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.14 166.10 Td (Past ) Tj ET Q q 0 0 0 rg BT 518.58 166.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 537.57 166.10 Td (Loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.43 154.10 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 135.30 154.10 Td (Assets. ) Tj ET Q q 0 0 0 rg BT 170.69 154.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 220.02 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 225.52 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 235.73 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.94 154.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 283.38 154.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 324.69 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 335.46 154.10 Td (this ) Tj ET Q q 0 0 0 rg BT 352.24 154.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 384.67 154.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 414.88 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 427.88 154.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 452.54 154.10 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 478.59 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.80 154.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 535.68 154.10 Td (has ) Tj ET Q q 0 0 0 rg BT 552.01 154.10 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 87.49 142.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 123.32 142.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.92 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 157.75 142.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 190.24 142.10 Td (by ) Tj ET Q q 0 0 0 rg BT 202.74 142.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 223.58 142.10 Td (regulations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (Loan Concentrations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 73.49 100.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 134.73 100.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.88 100.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 196.13 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.85 100.10 Td (exist ) Tj ET Q q 0 0 0 rg BT 228.68 100.10 Td (when ) Tj ET Q q 0 0 0 rg BT 253.27 100.10 Td (there ) Tj ET Q q 0 0 0 rg BT 276.20 100.10 Td (are ) Tj ET Q q 0 0 0 rg BT 291.34 100.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 328.17 100.10 Td (loaned ) Tj ET Q q 0 0 0 rg BT 357.76 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.48 100.10 Td (multiple ) Tj ET Q q 0 0 0 rg BT 404.75 100.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 448.23 100.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 484.48 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 495.20 100.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 525.91 100.10 Td (activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.68 88.10 Td (would ) Tj ET Q q 0 0 0 rg BT 103.92 88.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 128.37 88.10 Td (them ) Tj ET Q q 0 0 0 rg BT 150.61 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 160.63 88.10 Td (be ) Tj ET Q q 0 0 0 rg BT 172.30 88.10 Td (similarly ) Tj ET Q q 0 0 0 rg BT 210.10 88.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 248.99 88.10 Td (by ) Tj ET Q q 0 0 0 rg BT 261.23 88.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 302.34 88.10 Td (or ) Tj ET Q q 0 0 0 rg BT 312.92 88.10 Td (other ) Tj ET Q q 0 0 0 rg BT 335.70 88.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 381.95 88.10 Td (The ) Tj ET Q q 0 0 0 rg BT 399.74 88.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 440.86 88.10 Td (had ) Tj ET Q q 0 0 0 rg BT 457.54 88.10 Td (no ) Tj ET Q q 0 0 0 rg BT 469.78 88.10 Td (concentrations ) Tj ET Q q 0 0 0 rg BT 530.34 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 540.91 88.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 92.97 76.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 113.73 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.50 76.10 Td (total ) Tj ET Q q 0 0 0 rg BT 144.71 76.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 168.25 76.10 Td (at ) Tj ET Q q 0 0 0 rg BT 177.90 76.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 236.42 76.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 261.36 76.10 Td (except ) Tj ET Q q 0 0 0 rg BT 289.89 76.10 Td (for ) Tj ET Q q 0 0 0 rg BT 303.98 76.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 327.53 76.10 Td (included ) Tj ET Q q 0 0 0 rg BT 364.40 76.10 Td (in ) Tj ET Q q 0 0 0 rg BT 374.61 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.26 76.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 427.24 76.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 459.10 76.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 499.30 76.10 Td (segment, ) Tj ET Q q 0 0 0 rg BT 537.56 76.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 64.10 Td (diversified ) Tj ET Q q 0 0 0 rg BT 109.97 64.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 156.36 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.07 64.10 Td (United ) Tj ET Q q 0 0 0 rg BT 200.79 64.10 Td (States ) Tj ET Q q 0 0 0 rg BT 227.18 64.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.12 64.10 Td (Canada.) Tj ET Q endstream endobj 181 0 obj <> endobj 182 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (90) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Other Real Estate Owned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 719.30 Td (In ) Tj ET Q q 0 0 0 rg BT 60.68 719.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 90.23 719.30 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 151.72 719.30 Td (the ) Tj ET Q q 0 0 0 rg BT 166.28 719.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 207.51 719.30 Td (is ) Tj ET Q q 0 0 0 rg BT 216.53 719.30 Td (required ) Tj ET Q q 0 0 0 rg BT 252.20 719.30 Td (to ) Tj ET Q q 0 0 0 rg BT 262.32 719.30 Td (take ) Tj ET Q q 0 0 0 rg BT 281.32 719.30 Td (action ) Tj ET Q q 0 0 0 rg BT 308.11 719.30 Td (against ) Tj ET Q q 0 0 0 rg BT 338.78 719.30 Td (the ) Tj ET Q q 0 0 0 rg BT 353.34 719.30 Td (real ) Tj ET Q q 0 0 0 rg BT 370.68 719.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 395.79 719.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 435.33 719.30 Td (of ) Tj ET Q q 0 0 0 rg BT 446.01 719.30 Td (specific ) Tj ET Q q 0 0 0 rg BT 479.45 719.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 505.24 719.30 Td (The ) Tj ET Q q 0 0 0 rg BT 523.13 719.30 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 707.30 Td (uses ) Tj ET Q q 0 0 0 rg BT 68.97 707.30 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 115.70 707.30 Td (only ) Tj ET Q q 0 0 0 rg BT 135.23 707.30 Td (as ) Tj ET Q q 0 0 0 rg BT 145.31 707.30 Td (a ) Tj ET Q q 0 0 0 rg BT 151.50 707.30 Td (last ) Tj ET Q q 0 0 0 rg BT 167.14 707.30 Td (resort ) Tj ET Q q 0 0 0 rg BT 191.66 707.30 Td (for ) Tj ET Q q 0 0 0 rg BT 205.08 707.30 Td (dealing ) Tj ET Q q 0 0 0 rg BT 236.26 707.30 Td (with ) Tj ET Q q 0 0 0 rg BT 255.79 707.30 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 298.08 707.30 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 351.48 707.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 388.21 707.30 Td (hardships. ) Tj ET Q q 0 0 0 rg BT 430.67 707.30 Td (The ) Tj ET Q q 0 0 0 rg BT 447.96 707.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 488.60 707.30 Td (employs ) Tj ET Q q 0 0 0 rg BT 524.24 707.30 Td (extensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 695.30 Td (contact ) Tj ET Q q 0 0 0 rg BT 81.64 695.30 Td (and ) Tj ET Q q 0 0 0 rg BT 98.85 695.30 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 152.71 695.30 Td (procedures ) Tj ET Q q 0 0 0 rg BT 199.35 695.30 Td (to ) Tj ET Q q 0 0 0 rg BT 209.90 695.30 Td (attempt ) Tj ET Q q 0 0 0 rg BT 242.66 695.30 Td (to ) Tj ET Q q 0 0 0 rg BT 253.21 695.30 Td (find ) Tj ET Q q 0 0 0 rg BT 272.09 695.30 Td (other ) Tj ET Q q 0 0 0 rg BT 295.40 695.30 Td (solutions ) Tj ET Q q 0 0 0 rg BT 334.29 695.30 Td (for ) Tj ET Q q 0 0 0 rg BT 348.72 695.30 Td (our ) Tj ET Q q 0 0 0 rg BT 364.82 695.30 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 410.43 695.30 Td (The ) Tj ET Q q 0 0 0 rg BT 428.75 695.30 Td (tables ) Tj ET Q q 0 0 0 rg BT 454.85 695.30 Td (below ) Tj ET Q q 0 0 0 rg BT 482.05 695.30 Td (presents ) Tj ET Q q 0 0 0 rg BT 517.59 695.30 Td (a ) Tj ET Q q 0 0 0 rg BT 524.80 695.30 Td (summary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 683.30 Td (of ) Tj ET Q q 0 0 0 rg BT 61.11 683.30 Td (other ) Tj ET Q q 0 0 0 rg BT 84.43 683.30 Td (real ) Tj ET Q q 0 0 0 rg BT 102.19 683.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 127.74 683.30 Td (owned, ) Tj ET Q q 0 0 0 rg BT 159.67 683.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 201.88 683.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 236.31 683.30 Td (other ) Tj ET Q q 0 0 0 rg BT 259.63 683.30 Td (real ) Tj ET Q q 0 0 0 rg BT 277.39 683.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 302.93 683.30 Td (owned, ) Tj ET Q q 0 0 0 rg BT 334.87 683.30 Td (and ) Tj ET Q q 0 0 0 rg BT 352.09 683.30 Td (shows ) Tj ET Q q 0 0 0 rg BT 379.87 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 394.86 683.30 Td (activity ) Tj ET Q q 0 0 0 rg BT 427.63 683.30 Td (for ) Tj ET Q q 0 0 0 rg BT 442.07 683.30 Td (the ) Tj ET Q q 0 0 0 rg BT 457.06 683.30 Td (respective ) Tj ET Q q 0 0 0 rg BT 500.37 683.30 Td (periods ) Tj ET Q q 0 0 0 rg BT 532.59 683.30 Td (and ) Tj ET Q q 0 0 0 rg BT 549.80 683.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 671.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 83.03 671.30 Td (for ) Tj ET Q q 0 0 0 rg BT 97.19 671.30 Td (each ) Tj ET Q q 0 0 0 rg BT 118.01 671.30 Td (property ) Tj ET Q q 0 0 0 rg BT 154.38 671.30 Td (type:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 660.50 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 618.00 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 618.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 618.00 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 618.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 618.00 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 590.00 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 590.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 590.00 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 590.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 590.00 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 562.00 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 562.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 562.00 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 562.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 562.00 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 534.00 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 534.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 534.00 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 534.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 534.00 81.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 650 m 392.5 650 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 650 m 396.5 650 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 650 m 477.5 650 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 638 m 477.5 638 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 650 m 481.5 650 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 638 m 481.5 638 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 650 m 562.5 650 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 638 m 562.5 638 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 618 m 392.5 618 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 618 m 396.5 618 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 618 m 477.5 618 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 618 m 481.5 618 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 618 m 562.5 618 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 618 m 562.5 618 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 520 m 392.5 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 520 m 396.5 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 534 m 477.5 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 520 m 477.5 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 534 m 481.5 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 520 m 481.5 520 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 534 m 562.5 534 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 520 m 562.5 520 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.40 641.95 Td (Year Ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 622.25 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.25 630.08 Td (December) Tj ET Q q 0 0 0 rg BT 447.75 630.08 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 428.50 622.08 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.05 629.95 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.50 621.95 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 608.57 Td (Balance at beginning of period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 608.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 608.68 Td (45,642) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 608.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 608.57 Td (50,454) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 594.57 Td (Disposal/resolved) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.80 594.73 Td (\(29,688) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 594.68 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 594.62 Td (\(30,923) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 594.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 580.57 Td (Transfers in at fair value, less costs to sell) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 580.68 Td (18,747) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 580.57 Td (32,162) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13725490196078433 0.12156862745098039 0.12549019607843137 rg BT 59.00 566.57 Td (Transfers in from covered OREO subsequent to loss share expiration) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 451.15 566.68 Td (7,385) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 566.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 552.57 Td (Additions from acquisition) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.15 552.68 Td (5,378) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 552.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 538.57 Td (Fair value adjustments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.80 538.73 Td (\(3,519) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 538.68 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 538.62 Td (\(6,051) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 538.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 524.57 Td (Balance at end of period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 524.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 524.68 Td (43,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 524.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 524.57 Td (45,642) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 467.20 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 467.20 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 467.20 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 467.20 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 467.20 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 439.20 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 439.20 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 439.20 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 439.20 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 439.20 81.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 499.2 m 392.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 499.2 m 396.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 499.2 m 477.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 487.2 m 477.5 487.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 499.2 m 481.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 487.2 m 481.5 487.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 499.2 m 562.5 499.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 487.2 m 562.5 487.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 467.2 m 392.5 467.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 467.2 m 396.5 467.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 467.2 m 477.5 467.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 467.2 m 481.5 467.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 467.2 m 562.5 467.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 467.2 m 477.5 467.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 467.2 m 562.5 467.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 411.2 m 392.5 411.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 411.2 m 396.5 411.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 425.2 m 477.5 425.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 411.2 m 477.5 411.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 425.2 m 481.5 425.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 411.2 m 481.5 411.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 425.2 m 562.5 425.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 411.2 m 562.5 411.2 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.10 491.15 Td (Period End) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 471.45 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.25 479.28 Td (December) Tj ET Q q 0 0 0 rg BT 447.75 479.28 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 428.50 471.28 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.05 479.15 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.50 471.15 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 457.77 Td (Residential real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 457.88 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 457.88 Td (11,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 457.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 457.77 Td (7,779) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 443.77 Td (Residential real estate development) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.15 443.88 Td (2,914) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 443.77 Td (3,245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 429.77 Td (Commercial real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 429.88 Td (29,709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 429.77 Td (34,618) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 415.77 Td (Total) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 415.88 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 415.88 Td (43,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 415.77 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 415.77 Td (45,642) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 183 0 obj <> endobj 184 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (91) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Liquidity and Capital Resour) Tj ET Q q 0 0 0 rg BT 175.68 742.25 Td (ces) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.42 721.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.18 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 127.49 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.58 721.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 168.79 721.25 Td (are ) Tj ET Q q 0 0 0 rg BT 183.87 721.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 215.07 721.25 Td (to ) Tj ET Q q 0 0 0 rg BT 225.72 721.25 Td (various ) Tj ET Q q 0 0 0 rg BT 258.03 721.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 302.00 721.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 331.52 721.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 386.60 721.25 Td (established ) Tj ET Q q 0 0 0 rg BT 433.90 721.25 Td (by ) Tj ET Q q 0 0 0 rg BT 446.78 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 461.87 721.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 492.50 721.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 527.59 721.25 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (that ) Tj ET Q q 0 0 0 rg BT 69.37 709.25 Td (take ) Tj ET Q q 0 0 0 rg BT 90.39 709.25 Td (into ) Tj ET Q q 0 0 0 rg BT 110.32 709.25 Td (account ) Tj ET Q q 0 0 0 rg BT 145.78 709.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 165.15 709.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 215.06 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 227.21 709.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 262.11 709.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 287.03 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.84 709.25 Td (of) Tj ET Q q 0 0 0 rg BT 313.99 709.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 355.55 709.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 380.47 709.25 Td (activities. ) Tj ET Q q 0 0 0 rg BT 423.44 709.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 456.13 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.28 709.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 492.09 709.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 535.35 709.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.60 697.25 Td (can ) Tj ET Q q 0 0 0 rg BT 120.88 697.25 Td (initiate ) Tj ET Q q 0 0 0 rg BT 151.04 697.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 180.65 697.25 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 225.81 697.25 Td ( ) Tj ET Q q 0 0 0 rg BT 238.21 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.04 697.25 Td (possibly ) Tj ET Q q 0 0 0 rg BT 290.78 697.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 345.38 697.25 Td ( ) Tj ET Q q 0 0 0 rg BT 357.78 697.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 388.51 697.25 Td (by ) Tj ET Q q 0 0 0 rg BT 400.91 697.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 445.79 697.25 Td (that ) Tj ET Q q 0 0 0 rg BT 463.18 697.25 Td (if ) Tj ET Q q 0 0 0 rg BT 471.69 697.25 Td (undertaken ) Tj ET Q q 0 0 0 rg BT 518.51 697.25 Td (could ) Tj ET Q q 0 0 0 rg BT 543.13 697.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.93 685.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 82.19 685.25 Td (material ) Tj ET Q q 0 0 0 rg BT 117.44 685.25 Td (ef) Tj ET Q q 0 0 0 rg BT 125.03 685.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 142.50 685.25 Td (on ) Tj ET Q q 0 0 0 rg BT 155.00 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.71 685.25 Td (Company) Tj ET Q q 0 0 0 rg BT 211.37 685.25 Td (s ) Tj ET Q q 0 0 0 rg BT 217.76 685.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 255.23 685.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 302.43 685.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 329.92 685.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 359.06 685.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 399.31 685.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 442.90 685.25 Td (and ) Tj ET Q q 0 0 0 rg BT 459.83 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 474.54 685.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 518.13 685.25 Td (framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.80 673.25 Td (prompt ) Tj ET Q q 0 0 0 rg BT 94.82 673.25 Td (corrective ) Tj ET Q q 0 0 0 rg BT 136.93 673.25 Td (action, ) Tj ET Q q 0 0 0 rg BT 166.00 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.36 673.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 221.38 673.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.96 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 252.31 673.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 277.78 673.25 Td (must ) Tj ET Q q 0 0 0 rg BT 299.37 673.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 320.94 673.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 354.17 673.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 382.96 673.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 426.20 673.25 Td (that ) Tj ET Q q 0 0 0 rg BT 443.33 673.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 475.46 673.25 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 524.81 673.25 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.90 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.69 661.25 Td (Company) Tj ET Q q 0 0 0 rg BT 117.36 661.25 Td (s ) Tj ET Q q 0 0 0 rg BT 123.82 661.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 152.23 661.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 194.52 661.25 Td (and ) Tj ET Q q 0 0 0 rg BT 211.53 661.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 241.30 661.25 Td (of) Tj ET Q q 0 0 0 rg BT 249.45 661.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 289.22 661.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 312.34 661.25 Td (items ) Tj ET Q q 0 0 0 rg BT 336.58 661.25 Td (as ) Tj ET Q q 0 0 0 rg BT 347.48 661.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 390.58 661.25 Td (under ) Tj ET Q q 0 0 0 rg BT 415.92 661.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 459.59 661.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 506.04 661.25 Td (practices. ) Tj ET Q q 0 0 0 rg BT 546.45 661.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.82 649.25 Td (Reserve) Tj ET Q q 0 0 0 rg BT 117.81 649.25 Td (s ) Tj ET Q q 0 0 0 rg BT 124.54 649.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 154.03 649.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 197.97 649.25 Td (require ) Tj ET Q q 0 0 0 rg BT 229.12 649.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 251.40 649.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 284.80 649.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 330.40 649.25 Td (to ) Tj ET Q q 0 0 0 rg BT 341.01 649.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 378.84 649.25 Td (a ) Tj ET Q q 0 0 0 rg BT 386.12 649.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 427.85 649.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 449.01 649.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.18 649.25 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 504.12 649.25 Td (total ) Tj ET Q q 0 0 0 rg BT 524.74 649.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 554.22 649.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 107.55 637.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 133.45 637.25 Td (of ) Tj ET Q q 0 0 0 rg BT 144.34 637.25 Td (8.0%, ) Tj ET Q q 0 0 0 rg BT 170.24 637.25 Td (of ) Tj ET Q q 0 0 0 rg BT 181.13 637.25 Td (which ) Tj ET Q q 0 0 0 rg BT 208.13 637.25 Td (at ) Tj ET Q q 0 0 0 rg BT 217.92 637.25 Td (least ) Tj ET Q q 0 0 0 rg BT 238.81 637.25 Td (4.50% ) Tj ET Q q 0 0 0 rg BT 267.20 637.25 Td (must ) Tj ET Q q 0 0 0 rg BT 289.21 637.25 Td (be ) Tj ET Q q 0 0 0 rg BT 301.22 637.25 Td (in ) Tj ET Q q 0 0 0 rg BT 311.56 637.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.34 637.25 Td (form ) Tj ET Q q 0 0 0 rg BT 348.35 637.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.24 637.25 Td (common ) Tj ET Q q 0 0 0 rg BT 396.80 637.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 424.18 637.25 Td (T) Tj ET Q q 0 0 0 rg BT 429.93 637.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 443.04 637.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 450.61 637.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 479.82 637.25 Td (and ) Tj ET Q q 0 0 0 rg BT 496.83 637.25 Td (6.0% ) Tj ET Q q 0 0 0 rg BT 520.22 637.25 Td (must ) Tj ET Q q 0 0 0 rg BT 542.24 637.25 Td (be ) Tj ET Q q 0 0 0 rg BT 554.24 637.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.52 625.25 Td (form ) Tj ET Q q 0 0 0 rg BT 86.27 625.25 Td (of ) Tj ET Q q 0 0 0 rg BT 96.74 625.25 Td (T) Tj ET Q q 0 0 0 rg BT 102.49 625.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 115.35 625.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 122.65 625.25 Td (capital. ) Tj ET Q q 0 0 0 rg BT 153.94 625.25 Td (The ) Tj ET Q q 0 0 0 rg BT 171.80 625.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 204.09 625.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 238.60 625.25 Td (also ) Tj ET Q q 0 0 0 rg BT 257.01 625.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 291.53 625.25 Td (a ) Tj ET Q q 0 0 0 rg BT 298.27 625.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 339.47 625.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 375.64 625.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 396.27 625.25 Td (of ) Tj ET Q q 0 0 0 rg BT 406.74 625.25 Td (T) Tj ET Q q 0 0 0 rg BT 412.50 625.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 425.35 625.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 432.66 625.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 461.61 625.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.70 625.25 Td (total ) Tj ET Q q 0 0 0 rg BT 491.78 625.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 517.41 625.25 Td (of ) Tj ET Q q 0 0 0 rg BT 528.05 625.25 Td (4.0%. ) Tj ET Q q 0 0 0 rg BT 553.68 625.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 84.65 613.25 Td (the ) Tj ET Q q 0 0 0 rg BT 98.75 613.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 130.62 613.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 164.70 613.25 Td (continues ) Tj ET Q q 0 0 0 rg BT 204.91 613.25 Td (to ) Tj ET Q q 0 0 0 rg BT 214.57 613.25 Td (consider ) Tj ET Q q 0 0 0 rg BT 250.32 613.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.28 613.25 Td (T) Tj ET Q q 0 0 0 rg BT 270.04 613.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 282.47 613.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 289.35 613.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 325.09 613.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 345.29 613.25 Td (in ) Tj ET Q q 0 0 0 rg BT 354.95 613.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 398.48 613.25 Td (proposals ) Tj ET Q q 0 0 0 rg BT 438.69 613.25 Td (for ) Tj ET Q q 0 0 0 rg BT 452.23 613.25 Td (expansion ) Tj ET Q q 0 0 0 rg BT 494.66 613.25 Td (or ) Tj ET Q q 0 0 0 rg BT 504.87 613.25 Td (new ) Tj ET Q q 0 0 0 rg BT 523.41 613.25 Td (activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (The ) Tj ET Q q 0 0 0 rg BT 66.82 592.25 Td (following ) Tj ET Q q 0 0 0 rg BT 106.97 592.25 Td (table ) Tj ET Q q 0 0 0 rg BT 127.67 592.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 176.71 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 190.19 592.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 218.11 592.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 260.48 592.25 Td (for ) Tj ET Q q 0 0 0 rg BT 273.41 592.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 294.12 592.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 325.94 592.25 Td (companies, ) Tj ET Q q 0 0 0 rg BT 372.47 592.25 Td (as ) Tj ET Q q 0 0 0 rg BT 382.07 592.25 Td (well ) Tj ET Q q 0 0 0 rg BT 400.56 592.25 Td (as ) Tj ET Q q 0 0 0 rg BT 410.16 592.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 438.63 592.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 462.11 592.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 493.92 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 502.97 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.46 592.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 592.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.50 580.25 Td (and ) Tj ET Q q 0 0 0 rg BT 94.43 580.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 120.26 580.25 Td (as ) Tj ET Q q 0 0 0 rg BT 131.09 580.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.92 580.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 200.51 580.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.51 580.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.51 580.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.51 580.25 Td ( ) Tj ET Q q 0 0 0 rg BT 248.01 580.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.95 580.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.95 580.25 Td (:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 569.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 530.95 242.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 530.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 530.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 530.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 530.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 530.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 530.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 530.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 530.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 530.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 530.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 502.95 242.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 502.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 502.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 502.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 502.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 502.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 502.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 502.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 502.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 502.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 502.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 474.95 242.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 474.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 474.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 474.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 474.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 474.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 474.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 474.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 474.95 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 474.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 474.95 50.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 558.95 m 292.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 530.95 m 292.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 558.95 m 296.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 530.95 m 296.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 558.95 m 346.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 530.95 m 346.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 558.95 m 350.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 530.95 m 350.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 558.95 m 400.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 530.95 m 400.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 558.95 m 404.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 530.95 m 404.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 558.95 m 454.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 530.95 m 454.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 558.95 m 458.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 530.95 m 458.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 558.95 m 508.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 530.95 m 508.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 558.95 m 512.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 530.95 m 512.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 558.95 m 562.5 558.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 530.95 m 562.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 530.95 m 508.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 530.95 m 562.5 530.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 446.95 m 292.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 446.95 m 296.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 296.5 446.95 m 346.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 446.95 m 350.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 446.95 m 400.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 446.95 m 404.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 446.95 m 454.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 446.95 m 458.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 446.95 m 508.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 446.95 m 512.5 446.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 446.95 m 562.5 446.95 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.85 543.18 Td (Minimum) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.10 535.18 Td (Ratios) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.20 551.03 Td (W) Tj ET Q q 0 0 0 rg BT 374.76 551.03 Td (ell) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.40 543.03 Td (Capitalized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.10 535.03 Td (Ratios) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 535.18 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 535.18 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 535.18 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 521.52 Td (Tier 1 leverage ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.15 521.52 Td (4.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.65 521.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 521.52 Td (5.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 521.52 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.50 521.63 Td (9.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.00 521.63 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 521.52 Td (10.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 521.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 521.52 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 521.52 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 507.52 Td (Tier 1 capital to risk-weighted assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.15 507.52 Td (6.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 507.52 Td (8.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.50 507.63 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 507.52 Td (11.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 507.52 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 493.52 Td (Common equity Tier 1 capital to risk-weighted assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.15 493.52 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.15 493.52 Td (6.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 431.50 493.63 Td (8.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 493.52 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 493.52 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 479.52 Td (Total capital to risk-weighted assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.15 479.52 Td (8.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 479.52 Td (10.0) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.50 479.63 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 479.52 Td (13.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 479.52 Td (12.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 465.52 Td (Total average equity to total average assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.30 465.52 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 465.52 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.50 465.63 Td (10.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 465.52 Td (10.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 465.52 Td (10.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 451.52 Td (Dividend payout ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.30 451.52 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 451.52 Td (N/A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.50 451.63 Td (15.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.15 451.52 Td (13.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 451.52 Td (6.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 426.45 Td (As ) Tj ET Q q 0 0 0 rg BT 62.50 426.45 Td (reflected ) Tj ET Q q 0 0 0 rg BT 98.86 426.45 Td (in ) Tj ET Q q 0 0 0 rg BT 108.03 426.45 Td (the ) Tj ET Q q 0 0 0 rg BT 121.63 426.45 Td (table, ) Tj ET Q q 0 0 0 rg BT 144.95 426.45 Td (each ) Tj ET Q q 0 0 0 rg BT 164.66 426.45 Td (of ) Tj ET Q q 0 0 0 rg BT 174.38 426.45 Td (the ) Tj ET Q q 0 0 0 rg BT 187.98 426.45 Td (Company) Tj ET Q q 0 0 0 rg BT 229.65 426.45 Td (s ) Tj ET Q q 0 0 0 rg BT 234.93 426.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 262.96 426.45 Td (ratios ) Tj ET Q q 0 0 0 rg BT 286.57 426.45 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.17 426.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 352.65 426.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 426.45 Td (, ) Tj ET Q q 0 0 0 rg BT 376.53 426.45 Td (exceeded ) Tj ET Q q 0 0 0 rg BT 415.11 426.45 Td (the ) Tj ET Q q 0 0 0 rg BT 428.72 426.45 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 493.96 426.45 Td (ratios ) Tj ET Q q 0 0 0 rg BT 517.57 426.45 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 414.45 Td (by ) Tj ET Q q 0 0 0 rg BT 62.12 414.45 Td (the ) Tj ET Q q 0 0 0 rg BT 76.45 414.45 Td (Federal ) Tj ET Q q 0 0 0 rg BT 108.55 414.45 Td (Reserve. ) Tj ET Q q 0 0 0 rg BT 145.37 414.45 Td (Refer ) Tj ET Q q 0 0 0 rg BT 169.69 414.45 Td (to ) Tj ET Q q 0 0 0 rg BT 179.59 414.45 Td (Note ) Tj ET Q q 0 0 0 rg BT 201.14 414.45 Td (18 ) Tj ET Q q 0 0 0 rg BT 213.26 414.45 Td (of ) Tj ET Q q 0 0 0 rg BT 223.70 414.45 Td (the ) Tj ET Q q 0 0 0 rg BT 238.04 414.45 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 292.93 414.45 Td (Financial ) Tj ET Q q 0 0 0 rg BT 332.25 414.45 Td (Statements ) Tj ET Q q 0 0 0 rg BT 378.25 414.45 Td (for ) Tj ET Q q 0 0 0 rg BT 392.03 414.45 Td (further ) Tj ET Q q 0 0 0 rg BT 421.35 414.45 Td (information ) Tj ET Q q 0 0 0 rg BT 470.68 414.45 Td (on ) Tj ET Q q 0 0 0 rg BT 482.79 414.45 Td (the ) Tj ET Q q 0 0 0 rg BT 497.13 414.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 525.89 414.45 Td (positions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 402.45 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 402.45 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 402.45 Td (banks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 381.45 Td (The ) Tj ET Q q 0 0 0 rg BT 67.84 381.45 Td (Company) Tj ET Q q 0 0 0 rg BT 109.50 381.45 Td (s ) Tj ET Q q 0 0 0 rg BT 115.69 381.45 Td (principal ) Tj ET Q q 0 0 0 rg BT 153.52 381.45 Td (sources ) Tj ET Q q 0 0 0 rg BT 185.81 381.45 Td (of ) Tj ET Q q 0 0 0 rg BT 196.43 381.45 Td (funds ) Tj ET Q q 0 0 0 rg BT 220.94 381.45 Td (at ) Tj ET Q q 0 0 0 rg BT 230.45 381.45 Td (the ) Tj ET Q q 0 0 0 rg BT 244.96 381.45 Td (holding ) Tj ET Q q 0 0 0 rg BT 277.81 381.45 Td (company ) Tj ET Q q 0 0 0 rg BT 316.76 381.45 Td (level ) Tj ET Q q 0 0 0 rg BT 338.48 381.45 Td (are ) Tj ET Q q 0 0 0 rg BT 352.98 381.45 Td (dividends ) Tj ET Q q 0 0 0 rg BT 394.16 381.45 Td (from ) Tj ET Q q 0 0 0 rg BT 415.89 381.45 Td (its ) Tj ET Q q 0 0 0 rg BT 427.63 381.45 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 479.64 381.45 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 527.49 381.45 Td (under ) Tj ET Q q 0 0 0 rg BT 552.55 381.45 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 369.45 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.16 369.45 Td (agreement ) Tj ET Q q 0 0 0 rg BT 112.74 369.45 Td (with ) Tj ET Q q 0 0 0 rg BT 132.46 369.45 Td (unaf) Tj ET Q q 0 0 0 rg BT 150.05 369.45 Td (filiated ) Tj ET Q q 0 0 0 rg BT 180.31 369.45 Td (banks ) Tj ET Q q 0 0 0 rg BT 205.58 369.45 Td (and ) Tj ET Q q 0 0 0 rg BT 221.96 369.45 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 259.44 369.45 Td (from ) Tj ET Q q 0 0 0 rg BT 280.82 369.45 Td (the ) Tj ET Q q 0 0 0 rg BT 294.97 369.45 Td (issuances ) Tj ET Q q 0 0 0 rg BT 334.68 369.45 Td (of ) Tj ET Q q 0 0 0 rg BT 344.95 369.45 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 398.55 369.45 Td (debt ) Tj ET Q q 0 0 0 rg BT 417.71 369.45 Td (and ) Tj ET Q q 0 0 0 rg BT 434.09 369.45 Td (additional ) Tj ET Q q 0 0 0 rg BT 476.02 369.45 Td (equity) Tj ET Q q 0 0 0 rg BT 500.36 369.45 Td (. ) Tj ET Q q 0 0 0 rg BT 504.80 369.45 Td (Refer ) Tj ET Q q 0 0 0 rg BT 528.95 369.45 Td (to ) Tj ET Q q 0 0 0 rg BT 538.67 369.45 Td (Notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 357.45 Td (12, ) Tj ET Q q 0 0 0 rg BT 64.40 357.45 Td (13, ) Tj ET Q q 0 0 0 rg BT 78.79 357.45 Td (14 ) Tj ET Q q 0 0 0 rg BT 90.69 357.45 Td (and ) Tj ET Q q 0 0 0 rg BT 107.03 357.45 Td (22 ) Tj ET Q q 0 0 0 rg BT 118.92 357.45 Td (of ) Tj ET Q q 0 0 0 rg BT 129.15 357.45 Td (the ) Tj ET Q q 0 0 0 rg BT 143.26 357.45 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 197.93 357.45 Td (Financial ) Tj ET Q q 0 0 0 rg BT 237.04 357.45 Td (Statements ) Tj ET Q q 0 0 0 rg BT 282.82 357.45 Td (in ) Tj ET Q q 0 0 0 rg BT 292.50 357.45 Td (Item ) Tj ET Q q 0 0 0 rg BT 312.72 357.45 Td (8 ) Tj ET Q q 0 0 0 rg BT 319.62 357.45 Td (for ) Tj ET Q q 0 0 0 rg BT 333.17 357.45 Td (further ) Tj ET Q q 0 0 0 rg BT 362.28 357.45 Td (information ) Tj ET Q q 0 0 0 rg BT 411.39 357.45 Td (on ) Tj ET Q q 0 0 0 rg BT 423.28 357.45 Td (the ) Tj ET Q q 0 0 0 rg BT 437.40 357.45 Td (Company) Tj ET Q q 0 0 0 rg BT 479.06 357.45 Td (s ) Tj ET Q q 0 0 0 rg BT 484.85 357.45 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 538.40 357.45 Td (notes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 345.45 Td (other ) Tj ET Q q 0 0 0 rg BT 72.30 345.45 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 122.10 345.45 Td (junior ) Tj ET Q q 0 0 0 rg BT 147.74 345.45 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 201.15 345.45 Td (debentures ) Tj ET Q q 0 0 0 rg BT 246.22 345.45 Td (and ) Tj ET Q q 0 0 0 rg BT 262.41 345.45 Td (shareholders) Tj ET Q q 0 0 0 rg BT 315.54 345.45 Td ( ) Tj ET Q q 0 0 0 rg BT 317.29 345.45 Td (equity) Tj ET Q q 0 0 0 rg BT 341.64 345.45 Td (, ) Tj ET Q q 0 0 0 rg BT 345.89 345.45 Td (respectively) Tj ET Q q 0 0 0 rg BT 393.55 345.45 Td (. ) Tj ET Q q 0 0 0 rg BT 397.80 345.45 Td (Management ) Tj ET Q q 0 0 0 rg BT 451.76 345.45 Td (is ) Tj ET Q q 0 0 0 rg BT 460.18 345.45 Td (committed ) Tj ET Q q 0 0 0 rg BT 504.70 345.45 Td (to ) Tj ET Q q 0 0 0 rg BT 514.23 345.45 Td (maintaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 333.45 Td (the ) Tj ET Q q 0 0 0 rg BT 64.34 333.45 Td (Company) Tj ET Q q 0 0 0 rg BT 106.00 333.45 Td (s ) Tj ET Q q 0 0 0 rg BT 112.01 333.45 Td (capital ) Tj ET Q q 0 0 0 rg BT 140.78 333.45 Td (levels ) Tj ET Q q 0 0 0 rg BT 166.23 333.45 Td (above ) Tj ET Q q 0 0 0 rg BT 192.22 333.45 Td (the ) Tj ET Q q 0 0 0 rg BT 206.56 333.45 Td (W) Tj ET Q q 0 0 0 rg BT 219.63 333.45 Td (ell ) Tj ET Q q 0 0 0 rg BT 231.75 333.45 Td (Capitalized ) Tj ET Q q 0 0 0 rg BT 283.84 333.45 Td (levels ) Tj ET Q q 0 0 0 rg BT 309.29 333.45 Td (established ) Tj ET Q q 0 0 0 rg BT 355.84 333.45 Td (by ) Tj ET Q q 0 0 0 rg BT 367.96 333.45 Td (the ) Tj ET Q q 0 0 0 rg BT 382.29 333.45 Td (Federal ) Tj ET Q q 0 0 0 rg BT 414.40 333.45 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 448.73 333.45 Td (for ) Tj ET Q q 0 0 0 rg BT 462.50 333.45 Td (bank ) Tj ET Q q 0 0 0 rg BT 484.06 333.45 Td (holding ) Tj ET Q q 0 0 0 rg BT 516.74 333.45 Td (companies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 312.45 Td (In ) Tj ET Q q 0 0 0 rg BT 60.45 312.45 Td (June ) Tj ET Q q 0 0 0 rg BT 80.90 312.45 Td (2015, ) Tj ET Q q 0 0 0 rg BT 105.52 312.45 Td (the ) Tj ET Q q 0 0 0 rg BT 119.86 312.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 160.87 312.45 Td (issued ) Tj ET Q q 0 0 0 rg BT 187.99 312.45 Td (and ) Tj ET Q q 0 0 0 rg BT 204.55 312.45 Td (sold ) Tj ET Q q 0 0 0 rg BT 223.34 312.45 Td (5,000,000 ) Tj ET Q q 0 0 0 rg BT 265.46 312.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 292.57 312.45 Td (of ) Tj ET Q q 0 0 0 rg BT 303.02 312.45 Td (the ) Tj ET Q q 0 0 0 rg BT 317.36 312.45 Td (SeriesD ) Tj ET Q q 0 0 0 rg BT 353.64 312.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 392.96 312.45 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 420.35 312.45 Td (with ) Tj ET Q q 0 0 0 rg BT 440.25 312.45 Td (a ) Tj ET Q q 0 0 0 rg BT 446.81 312.45 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 492.26 312.45 Td (preference ) Tj ET Q q 0 0 0 rg BT 536.57 312.45 Td (of ) Tj ET Q q 0 0 0 rg BT 547.02 312.45 Td ($25 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 300.45 Td (per ) Tj ET Q q 0 0 0 rg BT 64.89 300.45 Td (share ) Tj ET Q q 0 0 0 rg BT 88.10 300.45 Td (for ) Tj ET Q q 0 0 0 rg BT 101.88 300.45 Td ($125.0 ) Tj ET Q q 0 0 0 rg BT 131.50 300.45 Td (million ) Tj ET Q q 0 0 0 rg BT 162.51 300.45 Td (in ) Tj ET Q q 0 0 0 rg BT 172.41 300.45 Td (a ) Tj ET Q q 0 0 0 rg BT 178.96 300.45 Td (public ) Tj ET Q q 0 0 0 rg BT 206.08 300.45 Td (of) Tj ET Q q 0 0 0 rg BT 214.23 300.45 Td (fering. ) Tj ET Q q 0 0 0 rg BT 242.72 300.45 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 285.95 300.45 Td (on ) Tj ET Q q 0 0 0 rg BT 298.07 300.45 Td (the ) Tj ET Q q 0 0 0 rg BT 312.40 300.45 Td (SeriesD ) Tj ET Q q 0 0 0 rg BT 348.68 300.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 387.99 300.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 412.89 300.45 Td (are ) Tj ET Q q 0 0 0 rg BT 427.22 300.45 Td (payable ) Tj ET Q q 0 0 0 rg BT 460.43 300.45 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 498.64 300.45 Td (in ) Tj ET Q q 0 0 0 rg BT 508.54 300.45 Td (arrears ) Tj ET Q q 0 0 0 rg BT 537.85 300.45 Td (when, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 288.45 Td (as ) Tj ET Q q 0 0 0 rg BT 61.45 288.45 Td (and ) Tj ET Q q 0 0 0 rg BT 79.00 288.45 Td (if ) Tj ET Q q 0 0 0 rg BT 88.22 288.45 Td (declared ) Tj ET Q q 0 0 0 rg BT 125.20 288.45 Td (by ) Tj ET Q q 0 0 0 rg BT 138.32 288.45 Td (the ) Tj ET Q q 0 0 0 rg BT 153.65 288.45 Td (Board ) Tj ET Q q 0 0 0 rg BT 181.20 288.45 Td (at ) Tj ET Q q 0 0 0 rg BT 191.53 288.45 Td (a ) Tj ET Q q 0 0 0 rg BT 199.09 288.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 217.19 288.45 Td (of ) Tj ET Q q 0 0 0 rg BT 228.63 288.45 Td (6.50%per ) Tj ET Q q 0 0 0 rg BT 272.85 288.45 Td (annum ) Tj ET Q q 0 0 0 rg BT 303.18 288.45 Td (on ) Tj ET Q q 0 0 0 rg BT 316.29 288.45 Td (the ) Tj ET Q q 0 0 0 rg BT 331.63 288.45 Td (original ) Tj ET Q q 0 0 0 rg BT 365.84 288.45 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 412.29 288.45 Td (preference ) Tj ET Q q 0 0 0 rg BT 457.59 288.45 Td (of ) Tj ET Q q 0 0 0 rg BT 469.03 288.45 Td ($25 ) Tj ET Q q 0 0 0 rg BT 487.15 288.45 Td (per ) Tj ET Q q 0 0 0 rg BT 503.03 288.45 Td (share ) Tj ET Q q 0 0 0 rg BT 527.25 288.45 Td (from ) Tj ET Q q 0 0 0 rg BT 549.80 288.45 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 276.45 Td (original ) Tj ET Q q 0 0 0 rg BT 83.68 276.45 Td (issuance ) Tj ET Q q 0 0 0 rg BT 120.13 276.45 Td (date ) Tj ET Q q 0 0 0 rg BT 139.37 276.45 Td (to, ) Tj ET Q q 0 0 0 rg BT 152.22 276.45 Td (but ) Tj ET Q q 0 0 0 rg BT 167.58 276.45 Td (excluding, ) Tj ET Q q 0 0 0 rg BT 212.09 276.45 Td (July ) Tj ET Q q 0 0 0 rg BT 231.34 276.45 Td (15, ) Tj ET Q q 0 0 0 rg BT 246.41 276.45 Td (2025. ) Tj ET Q q 0 0 0 rg BT 271.49 276.45 Td (From ) Tj ET Q q 0 0 0 rg BT 295.74 276.45 Td (\(and ) Tj ET Q q 0 0 0 rg BT 316.08 276.45 Td (including\) ) Tj ET Q q 0 0 0 rg BT 359.76 276.45 Td (July ) Tj ET Q q 0 0 0 rg BT 379.01 276.45 Td (15, ) Tj ET Q q 0 0 0 rg BT 394.09 276.45 Td (2025, ) Tj ET Q q 0 0 0 rg BT 419.17 276.45 Td (dividends ) Tj ET Q q 0 0 0 rg BT 460.63 276.45 Td (no ) Tj ET Q q 0 0 0 rg BT 473.21 276.45 Td (the ) Tj ET Q q 0 0 0 rg BT 488.00 276.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 515.02 276.45 Td (D ) Tj ET Q q 0 0 0 rg BT 524.81 276.45 Td (Preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 264.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 75.62 264.45 Td (will ) Tj ET Q q 0 0 0 rg BT 94.02 264.45 Td (be ) Tj ET Q q 0 0 0 rg BT 106.30 264.45 Td (payable ) Tj ET Q q 0 0 0 rg BT 140.23 264.45 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 179.17 264.45 Td (in ) Tj ET Q q 0 0 0 rg BT 189.78 264.45 Td (arrears, ) Tj ET Q q 0 0 0 rg BT 222.32 264.45 Td (when, ) Tj ET Q q 0 0 0 rg BT 249.32 264.45 Td (as ) Tj ET Q q 0 0 0 rg BT 260.49 264.45 Td (and ) Tj ET Q q 0 0 0 rg BT 277.77 264.45 Td (if ) Tj ET Q q 0 0 0 rg BT 286.72 264.45 Td (declared ) Tj ET Q q 0 0 0 rg BT 323.43 264.45 Td (by ) Tj ET Q q 0 0 0 rg BT 336.27 264.45 Td (the ) Tj ET Q q 0 0 0 rg BT 351.32 264.45 Td (Board, ) Tj ET Q q 0 0 0 rg BT 381.10 264.45 Td (at ) Tj ET Q q 0 0 0 rg BT 391.16 264.45 Td (a ) Tj ET Q q 0 0 0 rg BT 398.44 264.45 Td (floating ) Tj ET Q q 0 0 0 rg BT 432.38 264.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 450.21 264.45 Td (equal ) Tj ET Q q 0 0 0 rg BT 474.71 264.45 Td (to ) Tj ET Q q 0 0 0 rg BT 485.33 264.45 Td (the ) Tj ET Q q 0 0 0 rg BT 500.38 264.45 Td (then-applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 252.45 Td (three-month ) Tj ET Q q 0 0 0 rg BT 101.35 252.45 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 133.83 252.45 Td (\(as ) Tj ET Q q 0 0 0 rg BT 147.97 252.45 Td (defined ) Tj ET Q q 0 0 0 rg BT 180.43 252.45 Td (in ) Tj ET Q q 0 0 0 rg BT 190.69 252.45 Td (the ) Tj ET Q q 0 0 0 rg BT 205.38 252.45 Td (Certificate ) Tj ET Q q 0 0 0 rg BT 250.06 252.45 Td (of ) Tj ET Q q 0 0 0 rg BT 260.86 252.45 Td (Designations\) ) Tj ET Q q 0 0 0 rg BT 318.89 252.45 Td (plus ) Tj ET Q q 0 0 0 rg BT 338.04 252.45 Td (a ) Tj ET Q q 0 0 0 rg BT 344.95 252.45 Td (spread ) Tj ET Q q 0 0 0 rg BT 373.53 252.45 Td (of ) Tj ET Q q 0 0 0 rg BT 384.34 252.45 Td (4.06% ) Tj ET Q q 0 0 0 rg BT 412.65 252.45 Td (per ) Tj ET Q q 0 0 0 rg BT 427.89 252.45 Td (annum. ) Tj ET Q q 0 0 0 rg BT 459.91 252.45 Td (The ) Tj ET Q q 0 0 0 rg BT 477.93 252.45 Td (dividend ) Tj ET Q q 0 0 0 rg BT 515.41 252.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 532.87 252.45 Td (of ) Tj ET Q q 0 0 0 rg BT 543.68 252.45 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 240.45 Td (floating ) Tj ET Q q 0 0 0 rg BT 85.74 240.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 105.36 240.45 Td (dividends ) Tj ET Q q 0 0 0 rg BT 148.88 240.45 Td (will ) Tj ET Q q 0 0 0 rg BT 169.07 240.45 Td (be ) Tj ET Q q 0 0 0 rg BT 183.15 240.45 Td (reset ) Tj ET Q q 0 0 0 rg BT 206.66 240.45 Td (quarterly) Tj ET Q q 0 0 0 rg BT 242.10 240.45 Td (. ) Tj ET Q q 0 0 0 rg BT 249.24 240.45 Td ( ) Tj ET Q q 0 0 0 rg BT 253.54 240.45 Td (The ) Tj ET Q q 0 0 0 rg BT 273.72 240.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 317.24 240.45 Td (received ) Tj ET Q q 0 0 0 rg BT 355.74 240.45 Td (proceeds, ) Tj ET Q q 0 0 0 rg BT 398.41 240.45 Td (after ) Tj ET Q q 0 0 0 rg BT 421.36 240.45 Td (deducting ) Tj ET Q q 0 0 0 rg BT 465.43 240.45 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 521.72 240.45 Td (discounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 228.45 Td (commissions ) Tj ET Q q 0 0 0 rg BT 105.01 228.45 Td (and ) Tj ET Q q 0 0 0 rg BT 122.24 228.45 Td (related ) Tj ET Q q 0 0 0 rg BT 152.23 228.45 Td (costs, ) Tj ET Q q 0 0 0 rg BT 177.52 228.45 Td (of ) Tj ET Q q 0 0 0 rg BT 188.64 228.45 Td (approximately ) Tj ET Q q 0 0 0 rg BT 249.18 228.45 Td ($120.8 ) Tj ET Q q 0 0 0 rg BT 279.47 228.45 Td (million ) Tj ET Q q 0 0 0 rg BT 311.15 228.45 Td (from ) Tj ET Q q 0 0 0 rg BT 333.38 228.45 Td (the ) Tj ET Q q 0 0 0 rg BT 348.38 228.45 Td (issuance, ) Tj ET Q q 0 0 0 rg BT 387.55 228.45 Td (which ) Tj ET Q q 0 0 0 rg BT 414.78 228.45 Td (were ) Tj ET Q q 0 0 0 rg BT 436.99 228.45 Td (intended ) Tj ET Q q 0 0 0 rg BT 474.21 228.45 Td (to ) Tj ET Q q 0 0 0 rg BT 484.78 228.45 Td (be ) Tj ET Q q 0 0 0 rg BT 497.01 228.45 Td (used ) Tj ET Q q 0 0 0 rg BT 518.13 228.45 Td (for ) Tj ET Q q 0 0 0 rg BT 532.57 228.45 Td (general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.45 Td (corporate ) Tj ET Q q 0 0 0 rg BT 90.07 216.45 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 130.43 216.45 Td ( ) Tj ET Q q 0 0 0 rg BT 132.58 216.45 Td (The ) Tj ET Q q 0 0 0 rg BT 150.44 216.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 177.19 216.45 Td (D ) Tj ET Q q 0 0 0 rg BT 186.73 216.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 226.24 216.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 251.33 216.45 Td (is ) Tj ET Q q 0 0 0 rg BT 260.31 216.45 Td (listed ) Tj ET Q q 0 0 0 rg BT 284.29 216.45 Td (on ) Tj ET Q q 0 0 0 rg BT 296.60 216.45 Td (the ) Tj ET Q q 0 0 0 rg BT 311.13 216.45 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 355.12 216.45 Td (Global ) Tj ET Q q 0 0 0 rg BT 384.65 216.45 Td (Select ) Tj ET Q q 0 0 0 rg BT 411.40 216.45 Td (Market ) Tj ET Q q 0 0 0 rg BT 442.59 216.45 Td (under ) Tj ET Q q 0 0 0 rg BT 467.67 216.45 Td (the ) Tj ET Q q 0 0 0 rg BT 482.20 216.45 Td (symbol ) Tj ET Q q 0 0 0 rg BT 513.96 216.45 Td (WTFCM.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.45 Td (In ) Tj ET Q q 0 0 0 rg BT 61.52 195.45 Td (March ) Tj ET Q q 0 0 0 rg BT 90.81 195.45 Td (2012, ) Tj ET Q q 0 0 0 rg BT 116.50 195.45 Td (the ) Tj ET Q q 0 0 0 rg BT 131.91 195.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.98 195.45 Td (issued ) Tj ET Q q 0 0 0 rg BT 202.17 195.45 Td (and ) Tj ET Q q 0 0 0 rg BT 219.80 195.45 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.66 195.45 Td (126,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.16 195.45 Td ( ) Tj ET Q q 0 0 0 rg BT 275.35 195.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 303.53 195.45 Td (of ) Tj ET Q q 0 0 0 rg BT 315.05 195.45 Td (5.00% ) Tj ET Q q 0 0 0 rg BT 344.07 195.45 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 410.02 195.45 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 450.41 195.45 Td (convertible ) Tj ET Q q 0 0 0 rg BT 498.58 195.45 Td (preferred ) Tj ET Q q 0 0 0 rg BT 538.41 195.45 Td (stock, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 183.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 77.43 183.45 Td (C, ) Tj ET Q q 0 0 0 rg BT 89.60 183.45 Td (no ) Tj ET Q q 0 0 0 rg BT 102.60 183.45 Td (par ) Tj ET Q q 0 0 0 rg BT 118.36 183.45 Td (value ) Tj ET Q q 0 0 0 rg BT 143.01 183.45 Td (per ) Tj ET Q q 0 0 0 rg BT 158.77 183.45 Td (share ) Tj ET Q q 0 0 0 rg BT 182.87 183.45 Td (\(the ) Tj ET Q q 0 0 0 rg BT 201.41 183.45 Td ("Series ) Tj ET Q q 0 0 0 rg BT 232.93 183.45 Td (C ) Tj ET Q q 0 0 0 rg BT 242.59 183.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 282.79 183.45 Td (Stock"\), ) Tj ET Q q 0 0 0 rg BT 318.47 183.45 Td (with ) Tj ET Q q 0 0 0 rg BT 339.25 183.45 Td (a ) Tj ET Q q 0 0 0 rg BT 346.68 183.45 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 393.01 183.45 Td (preference ) Tj ET Q q 0 0 0 rg BT 438.18 183.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.51 183.45 Td ($1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.01 183.45 Td ( ) Tj ET Q q 0 0 0 rg BT 480.00 183.45 Td (per ) Tj ET Q q 0 0 0 rg BT 495.77 183.45 Td (share ) Tj ET Q q 0 0 0 rg BT 519.86 183.45 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.52 183.45 Td ($126.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 171.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 171.45 Td ( ) Tj ET Q q 0 0 0 rg BT 81.17 171.45 Td (in ) Tj ET Q q 0 0 0 rg BT 91.23 171.45 Td (a ) Tj ET Q q 0 0 0 rg BT 97.95 171.45 Td (public ) Tj ET Q q 0 0 0 rg BT 125.22 171.45 Td (of) Tj ET Q q 0 0 0 rg BT 133.37 171.45 Td (fering. ) Tj ET Q q 0 0 0 rg BT 162.03 171.45 Td (Net ) Tj ET Q q 0 0 0 rg BT 178.75 171.45 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 216.57 171.45 Td (to ) Tj ET Q q 0 0 0 rg BT 226.63 171.45 Td (the ) Tj ET Q q 0 0 0 rg BT 241.12 171.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 282.29 171.45 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.78 171.45 Td ($122.7 ) Tj ET Q q 0 0 0 rg BT 341.56 171.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.45 171.45 Td ( ) Tj ET Q q 0 0 0 rg BT 372.73 171.45 Td (after ) Tj ET Q q 0 0 0 rg BT 393.33 171.45 Td (deducting ) Tj ET Q q 0 0 0 rg BT 435.04 171.45 Td (of) Tj ET Q q 0 0 0 rg BT 443.19 171.45 Td (fering ) Tj ET Q q 0 0 0 rg BT 469.35 171.45 Td (costs. ) Tj ET Q q 0 0 0 rg BT 494.13 171.45 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 537.52 171.45 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 171.45 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 159.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 76.85 159.45 Td (C ) Tj ET Q q 0 0 0 rg BT 85.93 159.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 125.54 159.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 150.73 159.45 Td (are ) Tj ET Q q 0 0 0 rg BT 165.35 159.45 Td (payable ) Tj ET Q q 0 0 0 rg BT 198.86 159.45 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 237.36 159.45 Td (in ) Tj ET Q q 0 0 0 rg BT 247.55 159.45 Td (arrears, ) Tj ET Q q 0 0 0 rg BT 279.66 159.45 Td (when, ) Tj ET Q q 0 0 0 rg BT 306.24 159.45 Td (as ) Tj ET Q q 0 0 0 rg BT 316.98 159.45 Td (and ) Tj ET Q q 0 0 0 rg BT 333.83 159.45 Td (if ) Tj ET Q q 0 0 0 rg BT 342.35 159.45 Td (authorized ) Tj ET Q q 0 0 0 rg BT 386.96 159.45 Td (and ) Tj ET Q q 0 0 0 rg BT 403.81 159.45 Td (declared ) Tj ET Q q 0 0 0 rg BT 440.09 159.45 Td (by ) Tj ET Q q 0 0 0 rg BT 452.50 159.45 Td (the ) Tj ET Q q 0 0 0 rg BT 467.13 159.45 Td (Board, ) Tj ET Q q 0 0 0 rg BT 496.48 159.45 Td (at ) Tj ET Q q 0 0 0 rg BT 506.11 159.45 Td (an ) Tj ET Q q 0 0 0 rg BT 517.96 159.45 Td (annual ) Tj ET Q q 0 0 0 rg BT 547.03 159.45 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 147.45 Td (of ) Tj ET Q q 0 0 0 rg BT 61.10 147.45 Td (5.00% ) Tj ET Q q 0 0 0 rg BT 89.69 147.45 Td (per ) Tj ET Q q 0 0 0 rg BT 105.22 147.45 Td (year ) Tj ET Q q 0 0 0 rg BT 125.20 147.45 Td (on ) Tj ET Q q 0 0 0 rg BT 137.96 147.45 Td (the ) Tj ET Q q 0 0 0 rg BT 152.94 147.45 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 199.04 147.45 Td (preference ) Tj ET Q q 0 0 0 rg BT 243.99 147.45 Td (of ) Tj ET Q q 0 0 0 rg BT 255.08 147.45 Td ($1,000 ) Tj ET Q q 0 0 0 rg BT 285.35 147.45 Td (per ) Tj ET Q q 0 0 0 rg BT 300.88 147.45 Td (share. ) Tj ET Q q 0 0 0 rg BT 327.24 147.45 Td (If ) Tj ET Q q 0 0 0 rg BT 336.67 147.45 Td (for ) Tj ET Q q 0 0 0 rg BT 351.09 147.45 Td (any ) Tj ET Q q 0 0 0 rg BT 368.30 147.45 Td (reason ) Tj ET Q q 0 0 0 rg BT 397.16 147.45 Td (the ) Tj ET Q q 0 0 0 rg BT 412.14 147.45 Td (Board ) Tj ET Q q 0 0 0 rg BT 439.35 147.45 Td (does ) Tj ET Q q 0 0 0 rg BT 460.44 147.45 Td (not ) Tj ET Q q 0 0 0 rg BT 475.99 147.45 Td (authorize ) Tj ET Q q 0 0 0 rg BT 515.95 147.45 Td (and ) Tj ET Q q 0 0 0 rg BT 533.16 147.45 Td (declare ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 135.45 Td (full ) Tj ET Q q 0 0 0 rg BT 66.49 135.45 Td (cash ) Tj ET Q q 0 0 0 rg BT 86.86 135.45 Td (dividends ) Tj ET Q q 0 0 0 rg BT 128.35 135.45 Td (on ) Tj ET Q q 0 0 0 rg BT 140.95 135.45 Td (the ) Tj ET Q q 0 0 0 rg BT 155.77 135.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 182.81 135.45 Td (C ) Tj ET Q q 0 0 0 rg BT 192.08 135.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 231.88 135.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 257.26 135.45 Td (for ) Tj ET Q q 0 0 0 rg BT 271.52 135.45 Td (a ) Tj ET Q q 0 0 0 rg BT 278.56 135.45 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 317.25 135.45 Td (dividend ) Tj ET Q q 0 0 0 rg BT 354.85 135.45 Td (period, ) Tj ET Q q 0 0 0 rg BT 385.50 135.45 Td (the ) Tj ET Q q 0 0 0 rg BT 400.32 135.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 441.81 135.45 Td (will ) Tj ET Q q 0 0 0 rg BT 459.96 135.45 Td (have ) Tj ET Q q 0 0 0 rg BT 481.44 135.45 Td (no ) Tj ET Q q 0 0 0 rg BT 494.04 135.45 Td (obligation ) Tj ET Q q 0 0 0 rg BT 537.20 135.45 Td (to ) Tj ET Q q 0 0 0 rg BT 547.58 135.45 Td (pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 123.45 Td (any ) Tj ET Q q 0 0 0 rg BT 66.64 123.45 Td (dividends ) Tj ET Q q 0 0 0 rg BT 107.74 123.45 Td (for ) Tj ET Q q 0 0 0 rg BT 121.60 123.45 Td (that ) Tj ET Q q 0 0 0 rg BT 138.80 123.45 Td (period, ) Tj ET Q q 0 0 0 rg BT 169.06 123.45 Td (whether ) Tj ET Q q 0 0 0 rg BT 203.47 123.45 Td (or ) Tj ET Q q 0 0 0 rg BT 214.01 123.45 Td (not ) Tj ET Q q 0 0 0 rg BT 228.99 123.45 Td (the ) Tj ET Q q 0 0 0 rg BT 243.41 123.45 Td (Board ) Tj ET Q q 0 0 0 rg BT 270.06 123.45 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 313.36 123.45 Td (and ) Tj ET Q q 0 0 0 rg BT 330.00 123.45 Td (declared ) Tj ET Q q 0 0 0 rg BT 366.07 123.45 Td (dividends ) Tj ET Q q 0 0 0 rg BT 407.16 123.45 Td (on ) Tj ET Q q 0 0 0 rg BT 419.37 123.45 Td (the ) Tj ET Q q 0 0 0 rg BT 433.79 123.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 460.44 123.45 Td (C ) Tj ET Q q 0 0 0 rg BT 469.31 123.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 508.72 123.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 533.70 123.45 Td (for ) Tj ET Q q 0 0 0 rg BT 547.57 123.45 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 111.45 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 96.94 111.45 Td (dividend ) Tj ET Q q 0 0 0 rg BT 134.43 111.45 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 90.45 Td (Each ) Tj ET Q q 0 0 0 rg BT 72.69 90.45 Td (share ) Tj ET Q q 0 0 0 rg BT 96.49 90.45 Td (of ) Tj ET Q q 0 0 0 rg BT 107.52 90.45 Td (the ) Tj ET Q q 0 0 0 rg BT 122.44 90.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 149.58 90.45 Td (C ) Tj ET Q q 0 0 0 rg BT 158.96 90.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 198.85 90.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 224.34 90.45 Td (is ) Tj ET Q q 0 0 0 rg BT 233.71 90.45 Td (convertible ) Tj ET Q q 0 0 0 rg BT 281.39 90.45 Td (into ) Tj ET Q q 0 0 0 rg BT 299.65 90.45 Td (Common ) Tj ET Q q 0 0 0 rg BT 339.58 90.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 365.06 90.45 Td (at ) Tj ET Q q 0 0 0 rg BT 374.98 90.45 Td (the ) Tj ET Q q 0 0 0 rg BT 389.90 90.45 Td (option ) Tj ET Q q 0 0 0 rg BT 418.16 90.45 Td (of ) Tj ET Q q 0 0 0 rg BT 429.19 90.45 Td (the ) Tj ET Q q 0 0 0 rg BT 444.11 90.45 Td (holder ) Tj ET Q q 0 0 0 rg BT 472.36 90.45 Td (at ) Tj ET Q q 0 0 0 rg BT 482.28 90.45 Td (a ) Tj ET Q q 0 0 0 rg BT 489.42 90.45 Td (conversion ) Tj ET Q q 0 0 0 rg BT 536.00 90.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 553.69 90.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 78.45 Td (24.3132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 78.45 Td ( ) Tj ET Q q 0 0 0 rg BT 84.47 78.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 111.42 78.45 Td (of ) Tj ET Q q 0 0 0 rg BT 121.72 78.45 Td (Common ) Tj ET Q q 0 0 0 rg BT 160.91 78.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 185.66 78.45 Td (per ) Tj ET Q q 0 0 0 rg BT 200.39 78.45 Td (share ) Tj ET Q q 0 0 0 rg BT 223.46 78.45 Td (of ) Tj ET Q q 0 0 0 rg BT 233.76 78.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 260.16 78.45 Td (C ) Tj ET Q q 0 0 0 rg BT 268.80 78.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 307.96 78.45 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 335.21 78.45 Td (plus ) Tj ET Q q 0 0 0 rg BT 353.84 78.45 Td (cash ) Tj ET Q q 0 0 0 rg BT 373.58 78.45 Td (in ) Tj ET Q q 0 0 0 rg BT 383.33 78.45 Td (lieu ) Tj ET Q q 0 0 0 rg BT 400.29 78.45 Td (of ) Tj ET Q q 0 0 0 rg BT 410.58 78.45 Td (fractional ) Tj ET Q q 0 0 0 rg BT 450.86 78.45 Td (shares, ) Tj ET Q q 0 0 0 rg BT 480.32 78.45 Td (subject ) Tj ET Q q 0 0 0 rg BT 510.61 78.45 Td (to ) Tj ET Q q 0 0 0 rg BT 520.36 78.45 Td (customary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 66.45 Td (anti-dilution ) Tj ET Q q 0 0 0 rg BT 101.24 66.45 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 153.19 66.45 Td (The ) Tj ET Q q 0 0 0 rg BT 170.53 66.45 Td (conversion ) Tj ET Q q 0 0 0 rg BT 216.21 66.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 233.00 66.45 Td (will ) Tj ET Q q 0 0 0 rg BT 250.36 66.45 Td (be ) Tj ET Q q 0 0 0 rg BT 261.60 66.45 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 296.73 66.45 Td (upon ) Tj ET Q q 0 0 0 rg BT 318.53 66.45 Td (the ) Tj ET Q q 0 0 0 rg BT 332.55 66.45 Td (occurrence ) Tj ET Q q 0 0 0 rg BT 378.20 66.45 Td (of ) Tj ET Q q 0 0 0 rg BT 388.33 66.45 Td (certain ) Tj ET Q q 0 0 0 rg BT 417.34 66.45 Td (make-whole ) Tj ET Q q 0 0 0 rg BT 468.56 66.45 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 514.24 66.45 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 54.45 Td (and ) Tj ET Q q 0 0 0 rg BT 66.91 54.45 Td (other ) Tj ET Q q 0 0 0 rg BT 89.93 54.45 Td (events. ) Tj ET Q q 0 0 0 rg BT 120.45 54.45 Td (In ) Tj ET Q q 0 0 0 rg BT 131.25 54.45 Td (2015, ) Tj ET Q q 0 0 0 rg BT 156.23 54.45 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 193.14 54.45 Td (to ) Tj ET Q q 0 0 0 rg BT 203.39 54.45 Td (such ) Tj ET Q q 0 0 0 rg BT 224.19 54.45 Td (terms, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.38 54.45 Td (180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.38 54.45 Td ( ) Tj ET Q q 0 0 0 rg BT 268.86 54.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 296.32 54.45 Td (of ) Tj ET Q q 0 0 0 rg BT 307.12 54.45 Td (the ) Tj ET Q q 0 0 0 rg BT 321.81 54.45 Td (Series ) Tj ET Q q 0 0 0 rg BT 348.73 54.45 Td (C ) Tj ET Q q 0 0 0 rg BT 357.87 54.45 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 397.54 54.45 Td (Stock ) Tj ET Q q 0 0 0 rg BT 422.79 54.45 Td (were ) Tj ET Q q 0 0 0 rg BT 444.69 54.45 Td (converted ) Tj ET Q q 0 0 0 rg BT 486.59 54.45 Td (at ) Tj ET Q q 0 0 0 rg BT 496.28 54.45 Td (the ) Tj ET Q q 0 0 0 rg BT 510.97 54.45 Td (option ) Tj ET Q q 0 0 0 rg BT 539.00 54.45 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 54.45 Td (the ) Tj ET Q endstream endobj 185 0 obj <> endobj 186 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (92) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 93.03 742.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 124.97 742.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.03 742.10 Td (4,374) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.53 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 168.03 742.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 195.52 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.36 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.07 742.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 268.16 742.10 Td (common ) Tj ET Q q 0 0 0 rg BT 305.65 742.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 331.76 742.10 Td (In ) Tj ET Q q 0 0 0 rg BT 342.59 742.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 367.60 742.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 404.54 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 414.82 742.10 Td (such ) Tj ET Q q 0 0 0 rg BT 435.65 742.10 Td (terms, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.87 742.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.87 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.37 742.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 502.86 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.69 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.41 742.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 555.35 742.10 Td (C ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 89.58 730.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 114.73 730.10 Td (were ) Tj ET Q q 0 0 0 rg BT 136.54 730.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 178.34 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 187.93 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.53 730.10 Td (option ) Tj ET Q q 0 0 0 rg BT 230.46 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.17 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.77 730.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 298.68 730.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 330.49 730.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.43 730.10 Td (244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.43 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 365.81 730.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 393.17 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.88 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.48 730.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 465.43 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 502.81 730.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 528.79 730.10 Td (In ) Tj ET Q q 0 0 0 rg BT 539.50 730.10 Td (2013, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.00 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 62.29 718.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 89.57 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.19 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.69 718.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 141.42 718.10 Td (C ) Tj ET Q q 0 0 0 rg BT 150.38 718.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 189.87 718.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 214.93 718.10 Td (were ) Tj ET Q q 0 0 0 rg BT 236.65 718.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 278.36 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 287.87 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.38 718.10 Td (option ) Tj ET Q q 0 0 0 rg BT 330.22 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.84 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.35 718.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 398.17 718.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 429.90 718.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.74 718.10 Td (558) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.74 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 465.03 718.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 492.31 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.93 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.43 718.10 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.69 706.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 113.99 706.10 Td (On ) Tj ET Q q 0 0 0 rg BT 128.90 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.04 706.10 Td (after ) Tj ET Q q 0 0 0 rg BT 166.45 706.10 Td (April15, ) Tj ET Q q 0 0 0 rg BT 205.25 706.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 230.44 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.35 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 286.93 706.10 Td (will ) Tj ET Q q 0 0 0 rg BT 305.18 706.10 Td (have ) Tj ET Q q 0 0 0 rg BT 326.75 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.66 706.10 Td (right ) Tj ET Q q 0 0 0 rg BT 363.24 706.10 Td (under ) Tj ET Q q 0 0 0 rg BT 388.70 706.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 418.60 706.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 477.93 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.40 706.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 513.30 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.21 706.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 555.34 706.10 Td (C ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 89.13 694.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 113.83 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 123.54 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 134.90 694.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 176.25 694.10 Td (into ) Tj ET Q q 0 0 0 rg BT 193.74 694.10 Td (common ) Tj ET Q q 0 0 0 rg BT 230.66 694.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 253.70 694.10 Td (if ) Tj ET Q q 0 0 0 rg BT 261.73 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.88 694.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 306.69 694.10 Td (price ) Tj ET Q q 0 0 0 rg BT 328.61 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.86 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.01 694.10 Td (Company) Tj ET Q q 0 0 0 rg BT 394.67 694.10 Td (s ) Tj ET Q q 0 0 0 rg BT 400.49 694.10 Td (common ) Tj ET Q q 0 0 0 rg BT 437.42 694.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 460.45 694.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 494.03 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 500.39 694.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 529.52 694.10 Td (amount.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.14 670.10 Td (December ) Tj ET Q q 0 0 0 rg BT 105.03 670.10 Td (2010, ) Tj ET Q q 0 0 0 rg BT 130.34 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.37 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 187.07 670.10 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.55 670.10 Td (4.6 ) Tj ET Q q 0 0 0 rg BT 221.86 670.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.75 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.56 670.10 Td (7.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.39 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 282.20 670.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 317.22 670.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 345.03 670.10 Td (units ) Tj ET Q q 0 0 0 rg BT 367.29 670.10 Td (\(TEU\) ) Tj ET Q q 0 0 0 rg BT 405.07 670.10 Td (at ) Tj ET Q q 0 0 0 rg BT 415.10 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 422.35 670.10 Td (public ) Tj ET Q q 0 0 0 rg BT 450.15 670.10 Td (of) Tj ET Q q 0 0 0 rg BT 458.30 670.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 484.99 670.10 Td (price ) Tj ET Q q 0 0 0 rg BT 507.78 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.92 670.10 Td ($50.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.42 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 549.23 670.10 Td (per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (unit. ) Tj ET Q q 0 0 0 rg BT 69.60 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 86.82 658.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.38 658.10 Td (received ) Tj ET Q q 0 0 0 rg BT 162.91 658.10 Td (net ) Tj ET Q q 0 0 0 rg BT 176.79 658.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 214.00 658.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.00 658.10 Td ($222.7 ) Tj ET Q q 0 0 0 rg BT 253.17 658.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.06 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 283.73 658.10 Td (after ) Tj ET Q q 0 0 0 rg BT 303.71 658.10 Td (deducting ) Tj ET Q q 0 0 0 rg BT 344.81 658.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 398.14 658.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 437.59 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 453.69 658.10 Td (commissions ) Tj ET Q q 0 0 0 rg BT 507.59 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.70 658.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 646.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 83.31 646.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 123.20 646.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 144.47 646.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 177.97 646.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 204.26 646.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 221.10 646.10 Td (was ) Tj ET Q q 0 0 0 rg BT 237.94 646.10 Td (composed ) Tj ET Q q 0 0 0 rg BT 279.78 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.40 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 295.12 646.10 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 326.40 646.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 348.79 646.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 385.62 646.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 419.11 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.83 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 440.56 646.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 465.74 646.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 518.68 646.10 Td (amortizing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (note ) Tj ET Q q 0 0 0 rg BT 68.99 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 85.76 634.10 Td (was ) Tj ET Q q 0 0 0 rg BT 103.09 634.10 Td (paid-of) Tj ET Q q 0 0 0 rg BT 131.78 634.10 Td (f ) Tj ET Q q 0 0 0 rg BT 136.89 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.44 634.10 Td (December2013. ) Tj ET Q q 0 0 0 rg BT 214.30 634.10 Td (For ) Tj ET Q q 0 0 0 rg BT 229.96 634.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 271.73 634.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 315.17 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.27 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 339.14 634.10 Td (TEUs, ) Tj ET Q q 0 0 0 rg BT 366.74 634.10 Td (see ) Tj ET Q q 0 0 0 rg BT 381.28 634.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 406.39 634.10 Td (13 ) Tj ET Q q 0 0 0 rg BT 418.16 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.37 634.10 Td (22 ) Tj ET Q q 0 0 0 rg BT 446.15 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.25 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.24 634.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 524.79 634.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 96.38 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.66 622.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 127.49 622.10 Td (8.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.10 601.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 95.10 601.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 134.86 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.63 601.10 Td (first ) Tj ET Q q 0 0 0 rg BT 168.30 601.10 Td (semi-annual ) Tj ET Q q 0 0 0 rg BT 219.73 601.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 257.28 601.10 Td (on ) Tj ET Q q 0 0 0 rg BT 269.83 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.61 601.10 Td (Company) Tj ET Q q 0 0 0 rg BT 326.27 601.10 Td (s ) Tj ET Q q 0 0 0 rg BT 332.72 601.10 Td (common ) Tj ET Q q 0 0 0 rg BT 370.27 601.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 393.94 601.10 Td (in ) Tj ET Q q 0 0 0 rg BT 404.27 601.10 Td (January ) Tj ET Q q 0 0 0 rg BT 437.92 601.10 Td (2000 ) Tj ET Q q 0 0 0 rg BT 460.48 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.48 601.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 519.47 601.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.80 601.10 Td (approve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (semi-annual ) Tj ET Q q 0 0 0 rg BT 101.86 589.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 143.73 589.10 Td (until ) Tj ET Q q 0 0 0 rg BT 165.05 589.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 204.13 589.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 246.00 589.10 Td (were ) Tj ET Q q 0 0 0 rg BT 268.41 589.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 308.60 589.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.37 589.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 342.35 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 359.78 589.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 385.04 589.10 Td (The ) Tj ET Q q 0 0 0 rg BT 403.58 589.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 440.99 589.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.31 589.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 494.18 589.10 Td (is ) Tj ET Q q 0 0 0 rg BT 503.84 589.10 Td (also ) Tj ET Q q 0 0 0 rg BT 522.93 589.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.24 589.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 86.63 577.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 132.69 577.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.76 577.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 194.83 577.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 223.68 577.10 Td (under ) Tj ET Q q 0 0 0 rg BT 248.08 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.93 577.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 285.78 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.74 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.59 577.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 355.80 577.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 381.87 577.10 Td (C ) Tj ET Q q 0 0 0 rg BT 390.18 577.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 429.00 577.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 455.92 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.76 577.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 493.61 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.58 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.43 577.10 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 77.57 565.10 Td (D ) Tj ET Q q 0 0 0 rg BT 87.92 565.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 128.24 565.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 156.65 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.00 565.10 Td (Company) Tj ET Q q 0 0 0 rg BT 213.66 565.10 Td (s ) Tj ET Q q 0 0 0 rg BT 220.68 565.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 241.59 565.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 281.35 565.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 322.25 565.10 Td (of) Tj ET Q q 0 0 0 rg BT 330.40 565.10 Td (ferings ) Tj ET Q q 0 0 0 rg BT 361.29 565.10 Td (units ) Tj ET Q q 0 0 0 rg BT 383.87 565.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.44 565.10 Td (under ) Tj ET Q q 0 0 0 rg BT 427.34 565.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 457.67 565.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 495.78 565.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 538.89 565.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.80 565.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 553.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.87 553.10 Td (revolving ) Tj ET Q q 0 0 0 rg BT 140.51 553.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.26 553.10 Td (term ) Tj ET Q q 0 0 0 rg BT 179.90 553.10 Td (facilities. ) Tj ET Q q 0 0 0 rg BT 220.15 553.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 248.45 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.98 553.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 289.51 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.16 553.10 Td (these ) Tj ET Q q 0 0 0 rg BT 325.02 553.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 361.09 553.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 398.83 553.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 431.57 553.10 Td (into ) Tj ET Q q 0 0 0 rg BT 450.44 553.10 Td (on ) Tj ET Q q 0 0 0 rg BT 463.75 553.10 Td (December ) Tj ET Q q 0 0 0 rg BT 508.15 553.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 523.97 553.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 549.78 553.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.78 541.10 Td (is ) Tj ET Q q 0 0 0 rg BT 101.35 541.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 145.34 541.10 Td (from ) Tj ET Q q 0 0 0 rg BT 167.68 541.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 197.79 541.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 239.57 541.10 Td (on ) Tj ET Q q 0 0 0 rg BT 252.46 541.10 Td (any ) Tj ET Q q 0 0 0 rg BT 269.80 541.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 297.69 541.10 Td (interests, ) Tj ET Q q 0 0 0 rg BT 336.41 541.10 Td (including ) Tj ET Q q 0 0 0 rg BT 377.07 541.10 Td (its ) Tj ET Q q 0 0 0 rg BT 389.42 541.10 Td (common ) Tj ET Q q 0 0 0 rg BT 427.31 541.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 451.31 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.64 541.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 508.17 541.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 534.68 541.10 Td (if ) Tj ET Q q 0 0 0 rg BT 543.68 541.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.85 529.10 Td (would ) Tj ET Q q 0 0 0 rg BT 118.38 529.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 143.12 529.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.86 529.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 199.28 529.10 Td (to ) Tj ET Q q 0 0 0 rg BT 209.58 529.10 Td (be ) Tj ET Q q 0 0 0 rg BT 221.55 529.10 Td (in ) Tj ET Q q 0 0 0 rg BT 231.86 529.10 Td (default ) Tj ET Q q 0 0 0 rg BT 262.15 529.10 Td (under ) Tj ET Q q 0 0 0 rg BT 287.45 529.10 Td (its ) Tj ET Q q 0 0 0 rg BT 299.42 529.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 336.38 529.10 Td (or ) Tj ET Q q 0 0 0 rg BT 347.24 529.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 377.52 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 384.49 529.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 414.22 529.10 Td (threshold. ) Tj ET Q q 0 0 0 rg BT 456.46 529.10 Td (In ) Tj ET Q q 0 0 0 rg BT 467.32 529.10 Td (January) Tj ET Q q 0 0 0 rg BT 497.77 529.10 Td (, ) Tj ET Q q 0 0 0 rg BT 502.24 529.10 Td (April, ) Tj ET Q q 0 0 0 rg BT 528.38 529.10 Td (July ) Tj ET Q q 0 0 0 rg BT 547.58 529.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (October ) Tj ET Q q 0 0 0 rg BT 84.57 517.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.26 517.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 119.95 517.10 Td (W) Tj ET Q q 0 0 0 rg BT 128.98 517.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 156.90 517.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 193.12 517.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.92 517.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 238.37 517.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 258.50 517.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 295.86 517.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.55 517.10 Td ($0.1) Tj ET Q q 0 0 0 rg BT 323.68 517.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 331.04 517.10 Td (per ) Tj ET Q q 0 0 0 rg BT 346.17 517.10 Td (common ) Tj ET Q q 0 0 0 rg BT 383.52 517.10 Td (share. ) Tj ET Q q 0 0 0 rg BT 409.48 517.10 Td ( ) Tj ET Q q 0 0 0 rg BT 411.84 517.10 Td (In ) Tj ET Q q 0 0 0 rg BT 422.53 517.10 Td (January) Tj ET Q q 0 0 0 rg BT 452.98 517.10 Td (, ) Tj ET Q q 0 0 0 rg BT 457.32 517.10 Td (April, ) Tj ET Q q 0 0 0 rg BT 483.28 517.10 Td (July ) Tj ET Q q 0 0 0 rg BT 502.31 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 519.11 517.10 Td (October ) Tj ET Q q 0 0 0 rg BT 553.68 517.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 74.66 505.10 Td (W) Tj ET Q q 0 0 0 rg BT 83.70 505.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 111.59 505.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 147.79 505.10 Td (a ) Tj ET Q q 0 0 0 rg BT 154.56 505.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 192.99 505.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 213.09 505.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 250.42 505.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.08 505.10 Td ($0.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.58 505.10 Td ( ) Tj ET Q q 0 0 0 rg BT 285.91 505.10 Td (per ) Tj ET Q q 0 0 0 rg BT 301.01 505.10 Td (common ) Tj ET Q q 0 0 0 rg BT 338.34 505.10 Td (share. ) Tj ET Q q 0 0 0 rg BT 364.27 505.10 Td ( ) Tj ET Q q 0 0 0 rg BT 366.61 505.10 Td (In ) Tj ET Q q 0 0 0 rg BT 377.27 505.10 Td (January ) Tj ET Q q 0 0 0 rg BT 410.70 505.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.36 505.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 446.03 505.10 Td (W) Tj ET Q q 0 0 0 rg BT 455.07 505.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 482.96 505.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 519.15 505.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.92 505.10 Td (quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.64 493.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 106.50 493.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.69 493.10 Td ($0.12 ) Tj ET Q q 0 0 0 rg BT 141.06 493.10 Td (per ) Tj ET Q q 0 0 0 rg BT 155.70 493.10 Td (common ) Tj ET Q q 0 0 0 rg BT 192.56 493.10 Td (share. ) Tj ET Q q 0 0 0 rg BT 217.89 493.10 Td (T) Tj ET Q q 0 0 0 rg BT 223.30 493.10 Td (aking ) Tj ET Q q 0 0 0 rg BT 247.38 493.10 Td (into ) Tj ET Q q 0 0 0 rg BT 264.80 493.10 Td (account ) Tj ET Q q 0 0 0 rg BT 297.77 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.85 493.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 356.49 493.10 Td (on ) Tj ET Q q 0 0 0 rg BT 368.36 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.44 493.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 418.74 493.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.94 493.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 472.19 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.28 493.10 Td (final ) Tj ET Q q 0 0 0 rg BT 506.47 493.10 Td (determination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.49 481.10 Td (timing, ) Tj ET Q q 0 0 0 rg BT 93.25 481.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 126.41 481.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.00 481.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 181.59 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.08 481.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 235.12 481.10 Td (is ) Tj ET Q q 0 0 0 rg BT 244.94 481.10 Td (at ) Tj ET Q q 0 0 0 rg BT 255.32 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.69 481.10 Td (discretion ) Tj ET Q q 0 0 0 rg BT 313.28 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.76 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.14 481.10 Td (Company) Tj ET Q q 0 0 0 rg BT 381.80 481.10 Td (s ) Tj ET Q q 0 0 0 rg BT 388.85 481.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 416.44 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.93 481.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 468.29 481.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.89 481.10 Td (will ) Tj ET Q q 0 0 0 rg BT 504.60 481.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 536.63 481.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 481.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 469.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.06 469.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 136.93 469.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 174.41 469.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 217.19 469.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 246.34 469.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 301.04 469.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.98 469.10 Td (other ) Tj ET Q q 0 0 0 rg BT 341.03 469.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 375.73 469.10 Td (factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 86.35 448.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 107.15 448.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 138.51 448.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 185.41 448.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 207.88 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.56 448.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 255.03 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.83 448.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 307.18 448.10 Td (that ) Tj ET Q q 0 0 0 rg BT 324.64 448.10 Td (can ) Tj ET Q q 0 0 0 rg BT 340.99 448.10 Td (be ) Tj ET Q q 0 0 0 rg BT 352.90 448.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 372.58 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.83 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.51 448.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 430.54 448.10 Td (company ) Tj ET Q q 0 0 0 rg BT 469.66 448.10 Td (by ) Tj ET Q q 0 0 0 rg BT 482.13 448.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.81 448.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 525.11 448.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 552.02 448.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (these ) Tj ET Q q 0 0 0 rg BT 74.24 436.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 98.76 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.67 436.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 141.69 436.10 Td (could, ) Tj ET Q q 0 0 0 rg BT 170.10 436.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 202.11 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.58 436.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 256.17 436.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 286.51 436.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 344.90 436.10 Td (declare ) Tj ET Q q 0 0 0 rg BT 377.46 436.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 420.03 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.50 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.41 436.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 489.99 436.10 Td (without ) Tj ET Q q 0 0 0 rg BT 524.24 436.10 Td (obtaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 94.15 424.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 132.18 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 143.01 424.10 Td (an ) Tj ET Q q 0 0 0 rg BT 155.50 424.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 188.55 424.10 Td (not ) Tj ET Q q 0 0 0 rg BT 204.38 424.10 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 247.96 424.10 Td (\(a\)undivided ) Tj ET Q q 0 0 0 rg BT 304.61 424.10 Td (profits, ) Tj ET Q q 0 0 0 rg BT 336.27 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 353.76 424.10 Td (\(b\)the ) Tj ET Q q 0 0 0 rg BT 383.19 424.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 416.24 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.62 424.10 Td (net ) Tj ET Q q 0 0 0 rg BT 442.89 424.10 Td (income ) Tj ET Q q 0 0 0 rg BT 475.37 424.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 510.07 424.10 Td (by ) Tj ET Q q 0 0 0 rg BT 523.12 424.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 69.72 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 83.88 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.59 412.10 Td (current ) Tj ET Q q 0 0 0 rg BT 129.41 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.35 412.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 168.29 412.10 Td (two ) Tj ET Q q 0 0 0 rg BT 185.79 412.10 Td (years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (Since ) Tj ET Q q 0 0 0 rg BT 74.69 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.38 391.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 115.18 391.10 Td (are ) Tj ET Q q 0 0 0 rg BT 129.85 391.10 Td (required ) Tj ET Q q 0 0 0 rg BT 165.64 391.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.89 391.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 213.35 391.10 Td (their ) Tj ET Q q 0 0 0 rg BT 234.15 391.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 263.27 391.10 Td (at ) Tj ET Q q 0 0 0 rg BT 272.95 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.64 391.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 353.96 391.10 Td (level ) Tj ET Q q 0 0 0 rg BT 375.87 391.10 Td (\(due ) Tj ET Q q 0 0 0 rg BT 396.11 391.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.36 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.04 391.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 462.40 391.10 Td (being ) Tj ET Q q 0 0 0 rg BT 487.09 391.10 Td (a ) Tj ET Q q 0 0 0 rg BT 494.00 391.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 531.45 391.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (company\), ) Tj ET Q q 0 0 0 rg BT 94.36 379.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 118.45 379.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 159.19 379.10 Td (available ) Tj ET Q q 0 0 0 rg BT 197.15 379.10 Td (as ) Tj ET Q q 0 0 0 rg BT 207.35 379.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 248.11 379.10 Td (from ) Tj ET Q q 0 0 0 rg BT 269.42 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.51 379.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 308.71 379.10 Td (are ) Tj ET Q q 0 0 0 rg BT 322.78 379.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 352.98 379.10 Td (to ) Tj ET Q q 0 0 0 rg BT 362.63 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.72 379.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 408.58 379.10 Td (that ) Tj ET Q q 0 0 0 rg BT 425.45 379.10 Td (would ) Tj ET Q q 0 0 0 rg BT 452.32 379.10 Td (not ) Tj ET Q q 0 0 0 rg BT 466.97 379.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 495.48 379.10 Td (any ) Tj ET Q q 0 0 0 rg BT 511.79 379.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.99 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.08 379.10 Td (banks) Tj ET Q q 0 0 0 rg BT 562.00 379.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.28 367.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 104.12 367.10 Td (below ) Tj ET Q q 0 0 0 rg BT 131.19 367.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.03 367.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 212.51 367.10 Td (level. ) Tj ET Q q 0 0 0 rg BT 237.07 367.10 Td (During ) Tj ET Q q 0 0 0 rg BT 268.03 367.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 293.15 367.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 315.78 367.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.85 367.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 357.97 367.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.82 367.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 422.66 367.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 442.50 367.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 484.02 367.10 Td (to ) Tj ET Q q 0 0 0 rg BT 494.23 367.10 Td (W) Tj ET Q q 0 0 0 rg BT 503.27 367.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 531.46 367.10 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td ($22.2 ) Tj ET Q q 0 0 0 rg BT 75.42 355.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.31 355.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.72 355.10 Td ($77.0 ) Tj ET Q q 0 0 0 rg BT 135.14 355.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.03 355.10 Td (, ) Tj ET Q q 0 0 0 rg BT 169.45 355.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.80 355.10 Td ($1) Tj ET Q q 0 0 0 rg BT 196.43 355.10 Td (12.8 ) Tj ET Q q 0 0 0 rg BT 216.85 355.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.74 355.10 Td (, ) Tj ET Q q 0 0 0 rg BT 251.16 355.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 298.82 355.10 Td (. ) Tj ET Q q 0 0 0 rg BT 303.59 355.10 Td (At ) Tj ET Q q 0 0 0 rg BT 316.51 355.10 Td (January ) Tj ET Q q 0 0 0 rg BT 350.52 355.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 360.94 355.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 386.36 355.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 417.60 355.10 Td (to ) Tj ET Q q 0 0 0 rg BT 428.29 355.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 470.10 355.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 499.67 355.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 554.79 355.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.56 343.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 92.74 343.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.85 343.10 Td ($70.2 ) Tj ET Q q 0 0 0 rg BT 177.70 343.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.59 343.10 Td ( ) Tj ET Q q 0 0 0 rg BT 208.94 343.10 Td (was ) Tj ET Q q 0 0 0 rg BT 226.83 343.10 Td (available ) Tj ET Q q 0 0 0 rg BT 265.27 343.10 Td (as ) Tj ET Q q 0 0 0 rg BT 275.95 343.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 317.18 343.10 Td (from ) Tj ET Q q 0 0 0 rg BT 338.97 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.53 343.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 379.21 343.10 Td (without ) Tj ET Q q 0 0 0 rg BT 412.12 343.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 433.90 343.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 477.34 343.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 514.68 343.10 Td (and ) Tj ET Q q 0 0 0 rg BT 531.46 343.10 Td (without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (compromising ) Tj ET Q q 0 0 0 rg BT 110.27 331.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.99 331.10 Td (banks) Tj ET Q q 0 0 0 rg BT 150.91 331.10 Td ( ) Tj ET Q q 0 0 0 rg BT 153.41 331.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 219.76 331.10 Td (positions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 88.74 310.10 Td (management ) Tj ET Q q 0 0 0 rg BT 141.34 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 150.08 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.81 310.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 188.65 310.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 224.06 310.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 260.57 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.86 310.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 290.81 310.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 336.20 310.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 368.82 310.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 393.11 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 401.84 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 407.79 310.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 452.06 310.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 472.19 310.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 510.93 310.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.75 298.10 Td (guided ) Tj ET Q q 0 0 0 rg BT 88.04 298.10 Td (by ) Tj ET Q q 0 0 0 rg BT 100.12 298.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 135.80 298.10 Td (formulated ) Tj ET Q q 0 0 0 rg BT 181.75 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.27 298.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 241.45 298.10 Td (by ) Tj ET Q q 0 0 0 rg BT 253.53 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.82 298.10 Td (Company) Tj ET Q q 0 0 0 rg BT 309.48 298.10 Td (s ) Tj ET Q q 0 0 0 rg BT 315.45 298.10 Td (senior ) Tj ET Q q 0 0 0 rg BT 341.97 298.10 Td (management ) Tj ET Q q 0 0 0 rg BT 395.14 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 411.65 298.10 Td (each ) Tj ET Q q 0 0 0 rg BT 432.05 298.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 455.93 298.10 Td (s ) Tj ET Q q 0 0 0 rg BT 461.90 298.10 Td (asset/liability ) Tj ET Q q 0 0 0 rg BT 517.30 298.10 Td (committee, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.92 286.10 Td (take ) Tj ET Q q 0 0 0 rg BT 96.05 286.10 Td (into ) Tj ET Q q 0 0 0 rg BT 114.09 286.10 Td (account ) Tj ET Q q 0 0 0 rg BT 147.67 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.36 286.10 Td (marketability ) Tj ET Q q 0 0 0 rg BT 218.16 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.97 286.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 257.28 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.98 286.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 304.45 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.37 286.10 Td (stability ) Tj ET Q q 0 0 0 rg BT 356.07 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.88 286.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 400.47 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.39 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.08 286.10 Td (level ) Tj ET Q q 0 0 0 rg BT 454.00 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.81 286.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 505.06 286.10 Td (commitments. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.37 274.10 Td (banks) Tj ET Q q 0 0 0 rg BT 94.29 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.11 274.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 135.48 274.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 168.29 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.45 274.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 204.49 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 219.52 274.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 257.62 274.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 302.10 274.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 350.48 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.74 274.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 397.21 274.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 452.81 274.10 Td (from ) Tj ET Q q 0 0 0 rg BT 475.07 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.11 274.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 523.50 274.10 Td (company) Tj ET Q q 0 0 0 rg BT 559.50 274.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.06 262.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 99.07 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.02 262.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 140.09 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 155.03 262.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 187.75 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.27 262.10 Td (borrow ) Tj ET Q q 0 0 0 rg BT 229.88 262.10 Td (under ) Tj ET Q q 0 0 0 rg BT 255.39 262.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 288.11 262.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 315.28 262.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 338.56 262.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 362.40 262.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 401.78 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.96 262.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 448.89 262.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 474.96 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 489.90 262.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 522.62 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.13 262.10 Td (borrow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.43 250.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 106.92 250.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 141.63 250.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 165.23 250.10 Td (Discount ) Tj ET Q q 0 0 0 rg BT 203.66 250.10 Td (W) Tj ET Q q 0 0 0 rg BT 212.70 250.10 Td (indow) Tj ET Q q 0 0 0 rg BT 237.05 250.10 Td (, ) Tj ET Q q 0 0 0 rg BT 242.05 250.10 Td (another ) Tj ET Q q 0 0 0 rg BT 274.54 250.10 Td (source ) Tj ET Q q 0 0 0 rg BT 303.13 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.96 250.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 347.21 250.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (Core ) Tj ET Q q 0 0 0 rg BT 71.98 229.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 107.29 229.10 Td (are ) Tj ET Q q 0 0 0 rg BT 122.04 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.80 229.10 Td (most ) Tj ET Q q 0 0 0 rg BT 158.78 229.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 184.65 229.10 Td (source ) Tj ET Q q 0 0 0 rg BT 213.29 229.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.16 229.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 260.59 229.10 Td (for ) Tj ET Q q 0 0 0 rg BT 274.79 229.10 Td (community ) Tj ET Q q 0 0 0 rg BT 322.88 229.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 348.75 229.10 Td (due ) Tj ET Q q 0 0 0 rg BT 365.72 229.10 Td (to ) Tj ET Q q 0 0 0 rg BT 376.04 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.80 229.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 418.32 229.10 Td (of ) Tj ET Q q 0 0 0 rg BT 429.19 229.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 471.16 229.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 524.80 229.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (established ) Tj ET Q q 0 0 0 rg BT 96.55 217.10 Td (with ) Tj ET Q q 0 0 0 rg BT 116.44 217.10 Td (depositors ) Tj ET Q q 0 0 0 rg BT 159.67 217.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.22 217.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.55 217.10 Td (security ) Tj ET Q q 0 0 0 rg BT 224.33 217.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.77 217.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 265.77 217.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 306.20 217.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 343.87 217.10 Td (by ) Tj ET Q q 0 0 0 rg BT 355.98 217.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.32 217.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 397.71 217.10 Td (Core ) Tj ET Q q 0 0 0 rg BT 419.27 217.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 454.16 217.10 Td (are ) Tj ET Q q 0 0 0 rg BT 468.49 217.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 507.80 217.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 539.90 217.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.80 217.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 86.48 205.10 Td (as ) Tj ET Q q 0 0 0 rg BT 98.51 205.10 Td (total ) Tj ET Q q 0 0 0 rg BT 119.98 205.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 156.46 205.10 Td (less ) Tj ET Q q 0 0 0 rg BT 175.15 205.10 Td (time ) Tj ET Q q 0 0 0 rg BT 196.63 205.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 233.10 205.10 Td (with ) Tj ET Q q 0 0 0 rg BT 254.58 205.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 292.70 205.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 324.16 205.10 Td (than ) Tj ET Q q 0 0 0 rg BT 345.07 205.10 Td ($100,000. ) Tj ET Q q 0 0 0 rg BT 388.77 205.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 409.13 205.10 Td (to ) Tj ET Q q 0 0 0 rg BT 420.61 205.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.52 205.10 Td (af) Tj ET Q q 0 0 0 rg BT 444.11 205.10 Td (fluent ) Tj ET Q q 0 0 0 rg BT 471.13 205.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 499.82 205.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.85 205.10 Td (many ) Tj ET Q q 0 0 0 rg BT 537.76 205.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 205.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (communities ) Tj ET Q q 0 0 0 rg BT 104.19 193.10 Td (that ) Tj ET Q q 0 0 0 rg BT 121.71 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.45 193.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 177.86 193.10 Td (serves, ) Tj ET Q q 0 0 0 rg BT 207.88 193.10 Td (management ) Tj ET Q q 0 0 0 rg BT 261.49 193.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 296.78 193.10 Td (that ) Tj ET Q q 0 0 0 rg BT 314.30 193.10 Td (many ) Tj ET Q q 0 0 0 rg BT 339.05 193.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.90 193.10 Td (its ) Tj ET Q q 0 0 0 rg BT 361.88 193.10 Td (time ) Tj ET Q q 0 0 0 rg BT 382.18 193.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 417.48 193.10 Td (with ) Tj ET Q q 0 0 0 rg BT 437.78 193.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 474.73 193.10 Td (in ) Tj ET Q q 0 0 0 rg BT 485.04 193.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 513.66 193.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.52 193.10 Td ($100,000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.81 181.10 Td (also ) Tj ET Q q 0 0 0 rg BT 83.52 181.10 Td (a ) Tj ET Q q 0 0 0 rg BT 90.57 181.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 116.50 181.10 Td (source ) Tj ET Q q 0 0 0 rg BT 145.20 181.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.13 181.10 Td (funds. ) Tj ET Q q 0 0 0 rg BT 183.46 181.10 Td (Currently) Tj ET Q q 0 0 0 rg BT 221.13 181.10 Td (, ) Tj ET Q q 0 0 0 rg BT 226.24 181.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 262.72 181.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 294.21 181.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 335.13 181.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 373.82 181.10 Td (is ) Tj ET Q q 0 0 0 rg BT 383.09 181.10 Td ($250,000 ) Tj ET Q q 0 0 0 rg BT 423.19 181.10 Td (per ) Tj ET Q q 0 0 0 rg BT 438.57 181.10 Td (depositor ) Tj ET Q q 0 0 0 rg BT 478.39 181.10 Td (per ) Tj ET Q q 0 0 0 rg BT 493.76 181.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 525.80 181.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 550.35 181.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.82 169.10 Td (account ) Tj ET Q q 0 0 0 rg BT 104.41 169.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 148.57 169.10 Td (category) Tj ET Q q 0 0 0 rg BT 182.34 169.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (While ) Tj ET Q q 0 0 0 rg BT 76.83 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.44 148.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 132.73 148.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 164.01 148.10 Td (a ) Tj ET Q q 0 0 0 rg BT 170.84 148.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 202.13 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.85 148.10 Td (its ) Tj ET Q q 0 0 0 rg BT 224.70 148.10 Td (total ) Tj ET Q q 0 0 0 rg BT 244.87 148.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 280.04 148.10 Td (through ) Tj ET Q q 0 0 0 rg BT 313.55 148.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 351.48 148.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 389.16 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.77 148.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 445.05 148.10 Td (does ) Tj ET Q q 0 0 0 rg BT 465.78 148.10 Td (so ) Tj ET Q q 0 0 0 rg BT 477.07 148.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 516.68 148.10 Td (as ) Tj ET Q q 0 0 0 rg BT 527.40 148.10 Td (an ) Tj ET Q q 0 0 0 rg BT 539.24 148.10 Td (asset-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 83.46 136.10 Td (management ) Tj ET Q q 0 0 0 rg BT 136.89 136.10 Td (tool ) Tj ET Q q 0 0 0 rg BT 154.80 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.93 136.10 Td (assist ) Tj ET Q q 0 0 0 rg BT 188.95 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.07 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.64 136.10 Td (management ) Tj ET Q q 0 0 0 rg BT 267.08 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.75 136.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 309.54 136.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 326.87 136.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 346.72 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.51 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.07 136.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 419.31 136.10 Td (does ) Tj ET Q q 0 0 0 rg BT 439.99 136.10 Td (not ) Tj ET Q q 0 0 0 rg BT 455.11 136.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 491.34 136.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 529.22 136.10 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.37 124.10 Td (be ) Tj ET Q q 0 0 0 rg BT 72.41 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 79.44 124.10 Td (vital ) Tj ET Q q 0 0 0 rg BT 99.81 124.10 Td (component ) Tj ET Q q 0 0 0 rg BT 146.83 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.76 124.10 Td (its ) Tj ET Q q 0 0 0 rg BT 169.80 124.10 Td (current ) Tj ET Q q 0 0 0 rg BT 200.71 124.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 237.20 124.10 Td (resources. ) Tj ET Q q 0 0 0 rg BT 280.05 124.10 Td (Historically) Tj ET Q q 0 0 0 rg BT 326.61 124.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.71 124.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 369.84 124.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 405.21 124.10 Td (have ) Tj ET Q q 0 0 0 rg BT 426.68 124.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 475.36 124.10 Td (a ) Tj ET Q q 0 0 0 rg BT 482.39 124.10 Td (small ) Tj ET Q q 0 0 0 rg BT 506.65 124.10 Td (component ) Tj ET Q q 0 0 0 rg BT 553.68 124.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 112.10 Td (Company) Tj ET Q q 0 0 0 rg BT 106.38 112.10 Td (s ) Tj ET Q q 0 0 0 rg BT 112.77 112.10 Td (total ) Tj ET Q q 0 0 0 rg BT 133.05 112.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 168.33 112.10 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 219.99 112.10 Td (as ) Tj ET Q q 0 0 0 rg BT 230.82 112.10 Td (set ) Tj ET Q q 0 0 0 rg BT 244.43 112.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 266.37 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 276.65 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 291.36 112.10 Td (table ) Tj ET Q q 0 0 0 rg BT 313.30 112.10 Td (below:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 101.30 Td () Tj ET Q endstream endobj 187 0 obj <> endobj 188 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (93) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 722.50 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 722.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 722.50 67.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 722.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 722.50 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 722.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 722.50 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 722.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 722.50 61.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 722.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 722.50 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 692.50 179.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 229.50 692.50 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 692.50 67.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 692.50 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 692.50 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 692.50 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 692.50 62.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 692.50 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 692.50 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 692.50 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 692.50 62.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 748.5 m 229.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 748.5 m 233.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 748.5 m 300.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 735.5 m 300.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 748.5 m 304.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 735.5 m 304.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 748.5 m 365.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 735.5 m 365.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 748.5 m 369.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 735.5 m 369.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 748.5 m 431.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 735.5 m 431.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 748.5 m 435.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 735.5 m 435.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 748.5 m 496.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 735.5 m 496.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 748.5 m 500.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 735.5 m 500.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 748.5 m 562.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 735.5 m 562.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 722.5 m 229.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 722.5 m 233.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 722.5 m 300.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 722.5 m 304.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 735.5 m 365.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 722.5 m 365.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 735.5 m 369.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 722.5 m 369.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 735.5 m 431.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 722.5 m 431.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 735.5 m 435.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 722.5 m 435.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 735.5 m 496.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 722.5 m 496.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 735.5 m 500.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 722.5 m 500.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 735.5 m 562.5 735.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 722.5 m 562.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 722.5 m 365.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 722.5 m 369.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 722.5 m 431.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 722.5 m 435.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 722.5 m 496.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 722.5 m 500.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 722.5 m 562.5 722.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 667.5 m 229.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 229.5 667.5 m 233.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 233.5 667.5 m 300.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 667.5 m 304.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 667.5 m 365.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 667.5 m 369.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 667.5 m 431.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 667.5 m 435.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 667.5 m 496.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 667.5 m 500.5 667.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 667.5 m 562.5 667.5 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 739.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.05 739.75 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 726.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 258.50 726.73 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.50 726.75 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 726.75 Td (2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.50 726.75 Td (2012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.10 726.75 Td (2011) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 713.07 Td (Total deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.00 712.18 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.00 712.18 Td (18,639,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.60 712.17 Td (16,281,844) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.60 712.17 Td (14,668,789) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.60 712.17 Td (14,428,544) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.60 712.17 Td (12,307,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 697.17 Td (Brokered Deposits ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 130.21 701.70 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.50 697.18 Td (862,026) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.15 697.17 Td (718,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 697.17 Td (476,139) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.15 697.17 Td (787,812) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.15 697.17 Td (674,013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 682.17 Td (Brokered deposits as a percentage of total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 672.17 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 88.28 676.70 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.50 672.18 Td (4.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.00 672.18 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 672.17 Td (4.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 672.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.15 672.17 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 672.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.15 672.17 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 672.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 672.17 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 672.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 656.00 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 656.00 Td (Br) Tj ET Q q 0 0 0 rg BT 90.08 656.00 Td (oker) Tj ET Q q 0 0 0 rg BT 107.48 656.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 118.28 656.00 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 154.65 656.00 Td (include ) Tj ET Q q 0 0 0 rg BT 185.45 656.00 Td (certificates ) Tj ET Q q 0 0 0 rg BT 231.24 656.00 Td (of ) Tj ET Q q 0 0 0 rg BT 240.39 656.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 270.64 656.00 Td (obtained ) Tj ET Q q 0 0 0 rg BT 307.00 656.00 Td (thr) Tj ET Q q 0 0 0 rg BT 318.30 656.00 Td (ough ) Tj ET Q q 0 0 0 rg BT 339.67 656.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 369.92 656.00 Td (br) Tj ET Q q 0 0 0 rg BT 378.44 656.00 Td (okers, ) Tj ET Q q 0 0 0 rg BT 403.97 656.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 438.11 656.00 Td (r) Tj ET Q q 0 0 0 rg BT 441.63 656.00 Td (eceived ) Tj ET Q q 0 0 0 rg BT 472.97 656.00 Td (thr) Tj ET Q q 0 0 0 rg BT 484.27 656.00 Td (ough ) Tj ET Q q 0 0 0 rg BT 505.63 656.00 Td (the ) Tj ET Q q 0 0 0 rg BT 519.22 656.00 Td (Certificate ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 644.00 Td (of ) Tj ET Q q 0 0 0 rg BT 90.70 644.00 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 124.10 644.00 Td (Account ) Tj ET Q q 0 0 0 rg BT 159.33 644.00 Td (Registry ) Tj ET Q q 0 0 0 rg BT 195.12 644.00 Td (Pr) Tj ET Q q 0 0 0 rg BT 204.75 644.00 Td (ogram ) Tj ET Q q 0 0 0 rg BT 233.33 644.00 Td (\(CDARS\), ) Tj ET Q q 0 0 0 rg BT 287.19 644.00 Td (as ) Tj ET Q q 0 0 0 rg BT 298.55 644.00 Td (well ) Tj ET Q q 0 0 0 rg BT 317.68 644.00 Td (as ) Tj ET Q q 0 0 0 rg BT 329.04 644.00 Td (wealth ) Tj ET Q q 0 0 0 rg BT 358.18 644.00 Td (management ) Tj ET Q q 0 0 0 rg BT 411.74 644.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 446.99 644.00 Td (of ) Tj ET Q q 0 0 0 rg BT 457.24 644.00 Td (br) Tj ET Q q 0 0 0 rg BT 465.76 644.00 Td (okerage ) Tj ET Q q 0 0 0 rg BT 500.43 644.00 Td (customers ) Tj ET Q q 0 0 0 rg BT 543.45 644.00 Td (fr) Tj ET Q q 0 0 0 rg BT 549.75 644.00 Td (om ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 632.00 Td (unaffiliated ) Tj ET Q q 0 0 0 rg BT 129.06 632.00 Td (companies ) Tj ET Q q 0 0 0 rg BT 174.33 632.00 Td (which ) Tj ET Q q 0 0 0 rg BT 200.71 632.00 Td (have ) Tj ET Q q 0 0 0 rg BT 222.09 632.00 Td (been ) Tj ET Q q 0 0 0 rg BT 243.47 632.00 Td (placed ) Tj ET Q q 0 0 0 rg BT 272.62 632.00 Td (into ) Tj ET Q q 0 0 0 rg BT 290.68 632.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 322.07 632.00 Td (accounts ) Tj ET Q q 0 0 0 rg BT 360.11 632.00 Td (of ) Tj ET Q q 0 0 0 rg BT 370.39 632.00 Td (the ) Tj ET Q q 0 0 0 rg BT 385.11 632.00 Td (banks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 611.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.61 611.00 Td (banks ) Tj ET Q q 0 0 0 rg BT 95.00 611.00 Td (routinely ) Tj ET Q q 0 0 0 rg BT 134.17 611.00 Td (accept ) Tj ET Q q 0 0 0 rg BT 162.76 611.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 198.61 611.00 Td (from ) Tj ET Q q 0 0 0 rg BT 221.11 611.00 Td (a ) Tj ET Q q 0 0 0 rg BT 228.61 611.00 Td (variety ) Tj ET Q q 0 0 0 rg BT 259.44 611.00 Td (of ) Tj ET Q q 0 0 0 rg BT 270.83 611.00 Td (municipal ) Tj ET Q q 0 0 0 rg BT 313.88 611.00 Td (entities. ) Tj ET Q q 0 0 0 rg BT 348.10 611.00 Td (T) Tj ET Q q 0 0 0 rg BT 353.52 611.00 Td (ypically) Tj ET Q q 0 0 0 rg BT 385.08 611.00 Td (, ) Tj ET Q q 0 0 0 rg BT 390.64 611.00 Td (these ) Tj ET Q q 0 0 0 rg BT 414.25 611.00 Td (municipal ) Tj ET Q q 0 0 0 rg BT 457.30 611.00 Td (entities ) Tj ET Q q 0 0 0 rg BT 489.25 611.00 Td (require ) Tj ET Q q 0 0 0 rg BT 520.63 611.00 Td (that ) Tj ET Q q 0 0 0 rg BT 538.69 611.00 Td (banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 599.00 Td (pledge ) Tj ET Q q 0 0 0 rg BT 78.87 599.00 Td (marketable ) Tj ET Q q 0 0 0 rg BT 125.50 599.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 165.48 599.00 Td (to ) Tj ET Q q 0 0 0 rg BT 175.47 599.00 Td (collateralize ) Tj ET Q q 0 0 0 rg BT 226.54 599.00 Td (these ) Tj ET Q q 0 0 0 rg BT 249.30 599.00 Td (public ) Tj ET Q q 0 0 0 rg BT 276.51 599.00 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 313.52 599.00 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.73 599.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 384.03 599.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.03 599.00 Td ( ) Tj ET Q q 0 0 0 rg BT 406.24 599.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.90 599.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.90 599.00 Td (, ) Tj ET Q q 0 0 0 rg BT 447.61 599.00 Td (the ) Tj ET Q q 0 0 0 rg BT 462.04 599.00 Td (banks ) Tj ET Q q 0 0 0 rg BT 487.58 599.00 Td (had ) Tj ET Q q 0 0 0 rg BT 504.24 599.00 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 587.00 Td ($954.8 ) Tj ET Q q 0 0 0 rg BT 80.81 587.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.70 587.00 Td ( ) Tj ET Q q 0 0 0 rg BT 113.02 587.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.77 587.00 Td ($948.4 ) Tj ET Q q 0 0 0 rg BT 161.58 587.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.47 587.00 Td (, ) Tj ET Q q 0 0 0 rg BT 196.28 587.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 243.94 587.00 Td (, ) Tj ET Q q 0 0 0 rg BT 249.75 587.00 Td (of ) Tj ET Q q 0 0 0 rg BT 261.40 587.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 302.47 587.00 Td (collateralizing ) Tj ET Q q 0 0 0 rg BT 362.98 587.00 Td (public ) Tj ET Q q 0 0 0 rg BT 391.28 587.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 427.37 587.00 Td (and ) Tj ET Q q 0 0 0 rg BT 445.13 587.00 Td (other ) Tj ET Q q 0 0 0 rg BT 468.98 587.00 Td (short-term ) Tj ET Q q 0 0 0 rg BT 513.95 587.00 Td (borrowings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 575.00 Td (Public ) Tj ET Q q 0 0 0 rg BT 77.45 575.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 112.13 575.00 Td (requiring ) Tj ET Q q 0 0 0 rg BT 150.68 575.00 Td (pledged ) Tj ET Q q 0 0 0 rg BT 184.23 575.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 209.46 575.00 Td (are ) Tj ET Q q 0 0 0 rg BT 223.56 575.00 Td (not ) Tj ET Q q 0 0 0 rg BT 238.24 575.00 Td (considered ) Tj ET Q q 0 0 0 rg BT 283.45 575.00 Td (to ) Tj ET Q q 0 0 0 rg BT 293.13 575.00 Td (be ) Tj ET Q q 0 0 0 rg BT 304.46 575.00 Td (core ) Tj ET Q q 0 0 0 rg BT 323.57 575.00 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 360.74 575.00 Td (however ) Tj ET Q q 0 0 0 rg BT 397.07 575.00 Td (they ) Tj ET Q q 0 0 0 rg BT 416.18 575.00 Td (provide ) Tj ET Q q 0 0 0 rg BT 448.63 575.00 Td (the ) Tj ET Q q 0 0 0 rg BT 462.74 575.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 503.52 575.00 Td (with ) Tj ET Q q 0 0 0 rg BT 523.20 575.00 Td (a ) Tj ET Q q 0 0 0 rg BT 529.53 575.00 Td (reliable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 563.00 Td (lower ) Tj ET Q q 0 0 0 rg BT 75.27 563.00 Td (cost, ) Tj ET Q q 0 0 0 rg BT 96.38 563.00 Td (short-term ) Tj ET Q q 0 0 0 rg BT 140.53 563.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 174.14 563.00 Td (source ) Tj ET Q q 0 0 0 rg BT 202.74 563.00 Td (than ) Tj ET Q q 0 0 0 rg BT 222.46 563.00 Td (what ) Tj ET Q q 0 0 0 rg BT 244.39 563.00 Td (is ) Tj ET Q q 0 0 0 rg BT 253.56 563.00 Td (available ) Tj ET Q q 0 0 0 rg BT 292.15 563.00 Td (through ) Tj ET Q q 0 0 0 rg BT 325.76 563.00 Td (many ) Tj ET Q q 0 0 0 rg BT 350.48 563.00 Td (other ) Tj ET Q q 0 0 0 rg BT 373.53 563.00 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 416.01 563.00 Td (alternatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 542.00 Td (Other ) Tj ET Q q 0 0 0 rg BT 76.93 542.00 Td (than ) Tj ET Q q 0 0 0 rg BT 98.30 542.00 Td (as ) Tj ET Q q 0 0 0 rg BT 110.79 542.00 Td (discussed ) Tj ET Q q 0 0 0 rg BT 153.28 542.00 Td (in ) Tj ET Q q 0 0 0 rg BT 165.22 542.00 Td (this ) Tj ET Q q 0 0 0 rg BT 183.83 542.00 Td (section, ) Tj ET Q q 0 0 0 rg BT 218.81 542.00 Td (the ) Tj ET Q q 0 0 0 rg BT 235.19 542.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 278.24 542.00 Td (is ) Tj ET Q q 0 0 0 rg BT 289.07 542.00 Td (not ) Tj ET Q q 0 0 0 rg BT 306.01 542.00 Td (aware ) Tj ET Q q 0 0 0 rg BT 334.03 542.00 Td (of ) Tj ET Q q 0 0 0 rg BT 346.52 542.00 Td (any ) Tj ET Q q 0 0 0 rg BT 365.12 542.00 Td (known ) Tj ET Q q 0 0 0 rg BT 396.50 542.00 Td (trends, ) Tj ET Q q 0 0 0 rg BT 427.60 542.00 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 488.70 542.00 Td (events, ) Tj ET Q q 0 0 0 rg BT 520.90 542.00 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.00 Td (recommendations ) Tj ET Q q 0 0 0 rg BT 123.44 530.00 Td (or ) Tj ET Q q 0 0 0 rg BT 134.13 530.00 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 187.57 530.00 Td (that ) Tj ET Q q 0 0 0 rg BT 204.92 530.00 Td (would ) Tj ET Q q 0 0 0 rg BT 232.27 530.00 Td (have ) Tj ET Q q 0 0 0 rg BT 253.50 530.00 Td (any ) Tj ET Q q 0 0 0 rg BT 270.29 530.00 Td (material ) Tj ET Q q 0 0 0 rg BT 305.41 530.00 Td (adverse ) Tj ET Q q 0 0 0 rg BT 338.30 530.00 Td (ef) Tj ET Q q 0 0 0 rg BT 345.88 530.00 Td (fect ) Tj ET Q q 0 0 0 rg BT 363.22 530.00 Td (on ) Tj ET Q q 0 0 0 rg BT 375.58 530.00 Td (the ) Tj ET Q q 0 0 0 rg BT 390.15 530.00 Td (Company) Tj ET Q q 0 0 0 rg BT 431.81 530.00 Td (s ) Tj ET Q q 0 0 0 rg BT 438.06 530.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 467.06 530.00 Td (resources, ) Tj ET Q q 0 0 0 rg BT 509.67 530.00 Td (operations ) Tj ET Q q 0 0 0 rg BT 553.68 530.00 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 518.00 Td (liquidity) Tj ET Q q 0 0 0 rg BT 83.24 518.00 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 494.00 Td (CONTRACTUAL) Tj ET Q q 0 0 0 rg BT 127.79 494.00 Td ( OBLIGA) Tj ET Q q 0 0 0 rg BT 169.56 494.00 Td (TIONS, COMMITMENTS, CONTINGENT) Tj ET Q q 0 0 0 rg BT 358.84 494.00 Td ( LIABILITIES ) Tj ET Q q 0 0 0 rg BT 424.99 494.00 Td (AND OFF-BALANCE SHEET) Tj ET Q q 0 0 0 rg BT 557.05 494.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 482.00 Td (ARRANGEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.89 461.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.13 461.00 Td (has ) Tj ET Q q 0 0 0 rg BT 124.80 461.00 Td (various ) Tj ET Q q 0 0 0 rg BT 156.59 461.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 193.91 461.00 Td (obligations, ) Tj ET Q q 0 0 0 rg BT 243.20 461.00 Td (including ) Tj ET Q q 0 0 0 rg BT 283.32 461.00 Td (contractual ) Tj ET Q q 0 0 0 rg BT 330.09 461.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 376.88 461.00 Td (and ) Tj ET Q q 0 0 0 rg BT 393.66 461.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 450.45 461.00 Td (that ) Tj ET Q q 0 0 0 rg BT 467.79 461.00 Td (may ) Tj ET Q q 0 0 0 rg BT 487.35 461.00 Td (require ) Tj ET Q q 0 0 0 rg BT 518.01 461.00 Td (future ) Tj ET Q q 0 0 0 rg BT 544.24 461.00 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.00 Td (payments.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 428.00 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 100.90 428.00 Td (Obligations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.63 428.00 Td ( ) Tj ET Q q 0 0 0 rg BT 153.01 428.00 Td (The ) Tj ET Q q 0 0 0 rg BT 171.13 428.00 Td (following ) Tj ET Q q 0 0 0 rg BT 212.58 428.00 Td (table ) Tj ET Q q 0 0 0 rg BT 234.58 428.00 Td (presents, ) Tj ET Q q 0 0 0 rg BT 272.42 428.00 Td (as ) Tj ET Q q 0 0 0 rg BT 283.31 428.00 Td (of ) Tj ET Q q 0 0 0 rg BT 294.21 428.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 352.86 428.00 Td (2015, ) Tj ET Q q 0 0 0 rg BT 377.93 428.00 Td (significant ) Tj ET Q q 0 0 0 rg BT 422.71 428.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 445.82 428.00 Td (and ) Tj ET Q q 0 0 0 rg BT 462.83 428.00 Td (determinable ) Tj ET Q q 0 0 0 rg BT 517.59 428.00 Td (contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 96.76 416.00 Td (to ) Tj ET Q q 0 0 0 rg BT 106.85 416.00 Td (third ) Tj ET Q q 0 0 0 rg BT 128.06 416.00 Td (parties ) Tj ET Q q 0 0 0 rg BT 157.03 416.00 Td (by ) Tj ET Q q 0 0 0 rg BT 169.34 416.00 Td (payment ) Tj ET Q q 0 0 0 rg BT 206.09 416.00 Td (date. ) Tj ET Q q 0 0 0 rg BT 227.56 416.00 Td (Further ) Tj ET Q q 0 0 0 rg BT 259.32 416.00 Td (discussion ) Tj ET Q q 0 0 0 rg BT 303.30 416.00 Td (of ) Tj ET Q q 0 0 0 rg BT 313.95 416.00 Td (the ) Tj ET Q q 0 0 0 rg BT 328.48 416.00 Td (nature ) Tj ET Q q 0 0 0 rg BT 355.78 416.00 Td (of ) Tj ET Q q 0 0 0 rg BT 366.43 416.00 Td (each ) Tj ET Q q 0 0 0 rg BT 387.06 416.00 Td (obligation ) Tj ET Q q 0 0 0 rg BT 429.93 416.00 Td (is ) Tj ET Q q 0 0 0 rg BT 438.92 416.00 Td (included ) Tj ET Q q 0 0 0 rg BT 475.66 416.00 Td (in ) Tj ET Q q 0 0 0 rg BT 485.76 416.00 Td (the ) Tj ET Q q 0 0 0 rg BT 500.29 416.00 Td (referenced ) Tj ET Q q 0 0 0 rg BT 544.79 416.00 Td (note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 404.00 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 404.00 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 404.00 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 130.27 404.00 Td (Financial ) Tj ET Q q 0 0 0 rg BT 169.98 404.00 Td (Statements ) Tj ET Q q 0 0 0 rg BT 216.36 404.00 Td (in ) Tj ET Q q 0 0 0 rg BT 226.64 404.00 Td (Item ) Tj ET Q q 0 0 0 rg BT 247.47 404.00 Td (8: ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 359.50 151.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 359.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 359.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 359.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 359.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 359.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 359.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 359.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 359.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 359.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 359.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 359.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 359.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 333.50 151.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 333.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 333.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 333.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 333.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 333.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 333.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 333.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 333.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 333.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 333.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 333.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 333.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 307.50 151.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 307.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 307.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 307.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 307.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 307.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 307.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 307.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 307.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 307.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 307.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 307.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 307.50 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 281.50 151.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 281.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 281.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.50 281.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 281.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 281.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 281.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.50 281.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 281.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 281.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 281.50 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 281.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 505.50 281.50 57.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 393.5 m 201.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 393.5 m 205.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 393.5 m 261.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 393.5 m 265.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 393.5 m 321.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 380.5 m 321.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 393.5 m 325.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 380.5 m 325.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 393.5 m 381.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 380.5 m 381.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 393.5 m 385.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 380.5 m 385.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 393.5 m 441.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 380.5 m 441.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 393.5 m 445.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 380.5 m 445.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 393.5 m 501.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 380.5 m 501.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 393.5 m 505.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 380.5 m 505.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 393.5 m 562.5 393.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 380.5 m 562.5 380.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 359.5 m 201.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 359.5 m 205.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 359.5 m 261.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 359.5 m 265.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 359.5 m 321.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 359.5 m 325.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 359.5 m 381.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 359.5 m 385.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 359.5 m 441.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 359.5 m 445.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 359.5 m 501.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 359.5 m 505.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 359.5 m 562.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 359.5 m 321.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 359.5 m 325.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 359.5 m 381.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 359.5 m 385.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 359.5 m 441.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 359.5 m 445.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 359.5 m 501.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 359.5 m 562.5 359.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 255.5 m 201.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 201.5 255.5 m 205.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205.5 255.5 m 261.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261.5 255.5 m 265.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 268.5 m 321.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 255.5 m 321.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 268.5 m 325.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 255.5 m 325.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 268.5 m 381.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 255.5 m 381.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 268.5 m 385.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 381.5 255.5 m 385.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 268.5 m 441.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 255.5 m 441.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 268.5 m 445.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 255.5 m 445.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 268.5 m 501.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445.5 255.5 m 501.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 268.5 m 505.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 255.5 m 505.5 255.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 268.5 m 562.5 268.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 505.5 255.5 m 562.5 255.5 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 384.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.00 384.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.15 384.75 Td (Payments Due in) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 363.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.20 371.75 Td (Note) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 216.75 363.75 Td (Reference) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.45 371.75 Td (One year) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.65 363.75 Td (or less) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.40 371.75 Td (Fromoneto) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.55 363.75 Td (three years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 395.30 371.75 Td (Fromthree) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.20 363.75 Td (tofiveyears) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.75 371.75 Td (Over five) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.55 363.75 Td (years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 525.30 363.75 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 350.75 Td (Deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 350.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 268.00 350.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.25 350.75 Td (17,486,110) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.25 350.75 Td (994,306) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.25 350.75 Td (158,609) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 350.75 Td (609) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 350.75 Td (18,639,634) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 337.75 Td (FHLB advances ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 106.77 341.38 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 112.83 337.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 337.75 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.25 337.75 Td (425,600) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.25 337.75 Td (314,597) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 337.75 Td (94,679) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 337.75 Td (25,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 337.75 Td (859,876) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 325.45 Td (Subordinated notes) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 324.75 Td (12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 310.30 324.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 324.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.30 324.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 324.75 Td (140,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 324.75 Td (140,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 312.45 Td (Other borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 311.75 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.30 311.75 Td (79,445) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.25 311.75 Td (164,074) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 311.75 Td (22,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.30 311.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 311.75 Td (266,019) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 299.45 Td (Junior subordinated debentures) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 298.75 Td (14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 310.30 298.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 298.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.30 298.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 298.75 Td (268,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 298.75 Td (268,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 286.45 Td (Operating leases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.30 285.75 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.30 285.75 Td (10,515) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 285.75 Td (19,864) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 285.75 Td (18,340) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 285.75 Td (114,513) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 285.75 Td (163,232) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 272.75 Td (Purchase obligations ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 121.43 276.38 Td (\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.00 272.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.30 272.75 Td (48,936) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 272.75 Td (24,459) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 272.75 Td (17,359) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 272.75 Td (89,029) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 272.75 Td (179,783) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 260.45 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 208.00 259.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 268.00 259.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.25 259.75 Td (18,050,606) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.25 259.75 Td (1,517,300) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.25 259.75 Td (311,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.25 259.75 Td (637,717) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 259.75 Td (20,517,110) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 244.00 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 244.00 Td (Certain ) Tj ET Q q 0 0 0 rg BT 113.51 244.00 Td (advances ) Tj ET Q q 0 0 0 rg BT 153.21 244.00 Td (pr) Tj ET Q q 0 0 0 rg BT 161.73 244.00 Td (ovide ) Tj ET Q q 0 0 0 rg BT 185.89 244.00 Td (the ) Tj ET Q q 0 0 0 rg BT 200.61 244.00 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 228.11 244.00 Td (with ) Tj ET Q q 0 0 0 rg BT 247.83 244.00 Td (call ) Tj ET Q q 0 0 0 rg BT 265.33 244.00 Td (dates ) Tj ET Q q 0 0 0 rg BT 288.94 244.00 Td (which ) Tj ET Q q 0 0 0 rg BT 315.32 244.00 Td (ar) Tj ET Q q 0 0 0 rg BT 323.84 244.00 Td (e ) Tj ET Q q 0 0 0 rg BT 330.78 244.00 Td (not ) Tj ET Q q 0 0 0 rg BT 346.06 244.00 Td (r) Tj ET Q q 0 0 0 rg BT 349.58 244.00 Td (eflected ) Tj ET Q q 0 0 0 rg BT 383.17 244.00 Td (in ) Tj ET Q q 0 0 0 rg BT 393.45 244.00 Td (the ) Tj ET Q q 0 0 0 rg BT 408.16 244.00 Td (above ) Tj ET Q q 0 0 0 rg BT 434.54 244.00 Td (table.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 232.00 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 232.00 Td (Pur) Tj ET Q q 0 0 0 rg BT 95.08 232.00 Td (chase ) Tj ET Q q 0 0 0 rg BT 120.60 232.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 168.35 232.00 Td (pr) Tj ET Q q 0 0 0 rg BT 176.87 232.00 Td (esented ) Tj ET Q q 0 0 0 rg BT 209.61 232.00 Td (above ) Tj ET Q q 0 0 0 rg BT 236.23 232.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 276.76 232.00 Td (r) Tj ET Q q 0 0 0 rg BT 280.28 232.00 Td (elate ) Tj ET Q q 0 0 0 rg BT 302.46 232.00 Td (to ) Tj ET Q q 0 0 0 rg BT 312.99 232.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 344.06 232.00 Td (contractual ) Tj ET Q q 0 0 0 rg BT 392.92 232.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 413.99 232.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 461.75 232.00 Td (for ) Tj ET Q q 0 0 0 rg BT 476.17 232.00 Td (pending ) Tj ET Q q 0 0 0 rg BT 511.13 232.00 Td (acquisitions, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 220.00 Td (marketing ) Tj ET Q q 0 0 0 rg BT 123.16 220.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 170.33 220.00 Td (and ) Tj ET Q q 0 0 0 rg BT 187.50 220.00 Td (services ) Tj ET Q q 0 0 0 rg BT 221.87 220.00 Td (r) Tj ET Q q 0 0 0 rg BT 225.39 220.00 Td (elated ) Tj ET Q q 0 0 0 rg BT 251.99 220.00 Td (to ) Tj ET Q q 0 0 0 rg BT 261.93 220.00 Td (the ) Tj ET Q q 0 0 0 rg BT 276.32 220.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 328.48 220.00 Td (of ) Tj ET Q q 0 0 0 rg BT 338.42 220.00 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 377.53 220.00 Td (data ) Tj ET Q q 0 0 0 rg BT 397.47 220.00 Td (pr) Tj ET Q q 0 0 0 rg BT 405.99 220.00 Td (ocessing ) Tj ET Q q 0 0 0 rg BT 442.59 220.00 Td (and ) Tj ET Q q 0 0 0 rg BT 459.76 220.00 Td (the ) Tj ET Q q 0 0 0 rg BT 474.14 220.00 Td (outsour) Tj ET Q q 0 0 0 rg BT 504.33 220.00 Td (cing ) Tj ET Q q 0 0 0 rg BT 523.71 220.00 Td (of ) Tj ET Q q 0 0 0 rg BT 533.66 220.00 Td (certain ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 208.00 Td (operational ) Tj ET Q q 0 0 0 rg BT 129.62 208.00 Td (activities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.07 187.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.49 187.00 Td (also ) Tj ET Q q 0 0 0 rg BT 128.12 187.00 Td (enters ) Tj ET Q q 0 0 0 rg BT 154.52 187.00 Td (into ) Tj ET Q q 0 0 0 rg BT 172.60 187.00 Td (derivative ) Tj ET Q q 0 0 0 rg BT 215.11 187.00 Td (contracts ) Tj ET Q q 0 0 0 rg BT 253.73 187.00 Td (under ) Tj ET Q q 0 0 0 rg BT 279.03 187.00 Td (which ) Tj ET Q q 0 0 0 rg BT 305.99 187.00 Td (the ) Tj ET Q q 0 0 0 rg BT 320.73 187.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 362.15 187.00 Td (is ) Tj ET Q q 0 0 0 rg BT 371.34 187.00 Td (required ) Tj ET Q q 0 0 0 rg BT 407.18 187.00 Td (to ) Tj ET Q q 0 0 0 rg BT 417.49 187.00 Td (either ) Tj ET Q q 0 0 0 rg BT 442.78 187.00 Td (receive ) Tj ET Q q 0 0 0 rg BT 474.16 187.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 494.46 187.00 Td (from ) Tj ET Q q 0 0 0 rg BT 516.42 187.00 Td (or ) Tj ET Q q 0 0 0 rg BT 527.28 187.00 Td (pay ) Tj ET Q q 0 0 0 rg BT 544.24 187.00 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.00 Td (to ) Tj ET Q q 0 0 0 rg BT 60.08 175.00 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 119.02 175.00 Td (depending ) Tj ET Q q 0 0 0 rg BT 162.97 175.00 Td (on ) Tj ET Q q 0 0 0 rg BT 175.27 175.00 Td (changes ) Tj ET Q q 0 0 0 rg BT 209.78 175.00 Td (in ) Tj ET Q q 0 0 0 rg BT 219.86 175.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 251.59 175.00 Td (rates. ) Tj ET Q q 0 0 0 rg BT 275.27 175.00 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 319.77 175.00 Td (contracts ) Tj ET Q q 0 0 0 rg BT 358.16 175.00 Td (are ) Tj ET Q q 0 0 0 rg BT 372.67 175.00 Td (carried ) Tj ET Q q 0 0 0 rg BT 402.72 175.00 Td (at ) Tj ET Q q 0 0 0 rg BT 412.24 175.00 Td (fair ) Tj ET Q q 0 0 0 rg BT 428.42 175.00 Td (value ) Tj ET Q q 0 0 0 rg BT 452.37 175.00 Td (representing ) Tj ET Q q 0 0 0 rg BT 504.10 175.00 Td (the ) Tj ET Q q 0 0 0 rg BT 518.61 175.00 Td (net ) Tj ET Q q 0 0 0 rg BT 533.13 175.00 Td (present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.00 Td (value ) Tj ET Q q 0 0 0 rg BT 73.55 163.00 Td (of ) Tj ET Q q 0 0 0 rg BT 83.77 163.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 121.19 163.00 Td (future ) Tj ET Q q 0 0 0 rg BT 146.96 163.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 166.62 163.00 Td (receipts ) Tj ET Q q 0 0 0 rg BT 199.61 163.00 Td (or ) Tj ET Q q 0 0 0 rg BT 209.83 163.00 Td (payments ) Tj ET Q q 0 0 0 rg BT 250.05 163.00 Td (based ) Tj ET Q q 0 0 0 rg BT 274.71 163.00 Td (on ) Tj ET Q q 0 0 0 rg BT 286.60 163.00 Td (market ) Tj ET Q q 0 0 0 rg BT 316.26 163.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 337.03 163.00 Td (as ) Tj ET Q q 0 0 0 rg BT 347.25 163.00 Td (of ) Tj ET Q q 0 0 0 rg BT 357.47 163.00 Td (the ) Tj ET Q q 0 0 0 rg BT 371.58 163.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 404.00 163.00 Td (sheet ) Tj ET Q q 0 0 0 rg BT 426.44 163.00 Td (date. ) Tj ET Q q 0 0 0 rg BT 447.49 163.00 Td (Because ) Tj ET Q q 0 0 0 rg BT 482.70 163.00 Td (the ) Tj ET Q q 0 0 0 rg BT 496.81 163.00 Td (derivative ) Tj ET Q q 0 0 0 rg BT 538.68 163.00 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.00 Td (and ) Tj ET Q q 0 0 0 rg BT 66.49 151.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 105.76 151.00 Td (recorded ) Tj ET Q q 0 0 0 rg BT 142.79 151.00 Td (on ) Tj ET Q q 0 0 0 rg BT 154.84 151.00 Td (the ) Tj ET Q q 0 0 0 rg BT 169.11 151.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 201.70 151.00 Td (sheet ) Tj ET Q q 0 0 0 rg BT 224.30 151.00 Td (at ) Tj ET Q q 0 0 0 rg BT 233.57 151.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 291.71 151.00 Td (2015 ) Tj ET Q q 0 0 0 rg BT 313.76 151.00 Td (do ) Tj ET Q q 0 0 0 rg BT 325.81 151.00 Td (not ) Tj ET Q q 0 0 0 rg BT 340.64 151.00 Td (represent ) Tj ET Q q 0 0 0 rg BT 379.34 151.00 Td (the ) Tj ET Q q 0 0 0 rg BT 393.61 151.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 429.55 151.00 Td (that ) Tj ET Q q 0 0 0 rg BT 446.60 151.00 Td (may ) Tj ET Q q 0 0 0 rg BT 465.87 151.00 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 508.47 151.00 Td (be ) Tj ET Q q 0 0 0 rg BT 519.96 151.00 Td (paid ) Tj ET Q q 0 0 0 rg BT 539.23 151.00 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.00 Td (these ) Tj ET Q q 0 0 0 rg BT 73.05 139.00 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 114.14 139.00 Td (these ) Tj ET Q q 0 0 0 rg BT 137.19 139.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 163.02 139.00 Td (and ) Tj ET Q q 0 0 0 rg BT 179.96 139.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 219.67 139.00 Td (are ) Tj ET Q q 0 0 0 rg BT 234.38 139.00 Td (not ) Tj ET Q q 0 0 0 rg BT 249.66 139.00 Td (included ) Tj ET Q q 0 0 0 rg BT 286.59 139.00 Td (in ) Tj ET Q q 0 0 0 rg BT 296.87 139.00 Td (the ) Tj ET Q q 0 0 0 rg BT 311.59 139.00 Td (table ) Tj ET Q q 0 0 0 rg BT 333.52 139.00 Td (of ) Tj ET Q q 0 0 0 rg BT 344.35 139.00 Td (contractual ) Tj ET Q q 0 0 0 rg BT 391.27 139.00 Td (obligations ) Tj ET Q q 0 0 0 rg BT 438.21 139.00 Td (presented ) Tj ET Q q 0 0 0 rg BT 479.03 139.00 Td (above.) Tj ET Q endstream endobj 189 0 obj <> endobj 190 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (94) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Commitments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.99 721.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.33 721.10 Td (table ) Tj ET Q q 0 0 0 rg BT 131.21 721.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 166.42 721.10 Td (a ) Tj ET Q q 0 0 0 rg BT 173.31 721.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 212.97 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.75 721.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.41 721.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 274.74 721.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.63 721.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 329.60 721.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 372.04 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.82 721.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 427.48 721.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 484.36 721.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.14 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.91 721.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 75.00 709.10 Td (Further ) Tj ET Q q 0 0 0 rg BT 106.94 709.10 Td (information ) Tj ET Q q 0 0 0 rg BT 156.65 709.10 Td (on ) Tj ET Q q 0 0 0 rg BT 169.15 709.10 Td (these ) Tj ET Q q 0 0 0 rg BT 192.20 709.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 249.14 709.10 Td (is ) Tj ET Q q 0 0 0 rg BT 258.31 709.10 Td (included ) Tj ET Q q 0 0 0 rg BT 295.24 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 305.52 709.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 327.46 709.10 Td (19 ) Tj ET Q q 0 0 0 rg BT 339.96 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.79 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.50 709.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 420.78 709.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 460.49 709.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 506.87 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.15 709.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 537.97 709.10 Td (8.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 678.60 186.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.50 678.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 678.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 678.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 678.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 678.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 678.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 678.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 678.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 678.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 678.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 639.60 186.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.50 639.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 639.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 639.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 639.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 639.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 639.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 639.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 639.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 639.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 639.60 62.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 611.60 186.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 236.50 611.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 611.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 301.50 611.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 305.50 611.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 611.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 611.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.50 611.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.50 611.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 611.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 611.60 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 698.6 m 236.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 678.6 m 236.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 698.6 m 240.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 678.6 m 240.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 698.6 m 301.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 678.6 m 301.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 698.6 m 305.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 678.6 m 305.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 698.6 m 366.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 678.6 m 366.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 698.6 m 370.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 678.6 m 370.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 698.6 m 431.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 678.6 m 431.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 698.6 m 435.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 678.6 m 435.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 698.6 m 496.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 678.6 m 496.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 698.6 m 500.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 678.6 m 500.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 698.6 m 562.5 698.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 678.6 m 562.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 582.6 m 236.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 236.5 582.6 m 240.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 582.6 m 301.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 301.5 582.6 m 305.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 305.5 582.6 m 366.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 582.6 m 370.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 582.6 m 431.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 582.6 m 435.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435.5 582.6 m 496.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 582.6 m 500.5 582.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 582.6 m 562.5 582.6 l s BT /F4 8.00 Tf ET q 0 0 0 rg BT 53.00 682.85 Td (\(Dollars ) Tj ET Q q 0 0 0 rg BT 82.11 682.85 Td (in ) Tj ET Q q 0 0 0 rg BT 90.34 682.85 Td (thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 251.60 690.55 Td (One year or) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.50 682.55 Td (less) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.90 690.55 Td (Fromoneto) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.05 682.55 Td (three years) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.80 690.55 Td (Fromthree) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.70 682.55 Td (tofiveyears) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.50 690.55 Td (Over) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.80 682.55 Td (fiveyears) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.80 682.85 Td (Total) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 53.00 669.16 Td (Commitment type:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 655.17 Td (Commercial, commercial real estate and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 645.17 Td (construction) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 644.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.60 644.27 Td (1,959,927) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.60 644.27 Td (1,193,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 644.27 Td (467,185) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 644.27 Td (92,281) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 644.27 Td (3,713,357) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 630.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 630.17 Td (473,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.65 630.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 630.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 630.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 630.17 Td (473,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 616.17 Td (Revolving home equity lines of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 616.17 Td (855,128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.65 616.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 616.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 616.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 616.17 Td (855,128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 602.17 Td (Letters of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 602.17 Td (114,744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.15 602.17 Td (54,411) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.15 602.17 Td (6,742) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 602.17 Td (232) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 602.17 Td (176,129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 588.17 Td (Commitments to sell mortgage loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.15 587.27 Td (753,890) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.65 587.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 587.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 587.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 587.27 Td (753,890) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Contingencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.71 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.23 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 128.41 562.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 168.93 562.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 194.45 562.10 Td (into ) Tj ET Q q 0 0 0 rg BT 211.64 562.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 254.93 562.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 294.33 562.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 313.18 562.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 330.36 562.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 377.53 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 396.94 562.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 434.69 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 444.10 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.95 562.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 487.91 562.10 Td (course ) Tj ET Q q 0 0 0 rg BT 515.65 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.61 562.10 Td (business. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (These ) Tj ET Q q 0 0 0 rg BT 78.04 550.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 127.74 550.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 160.79 550.10 Td (require ) Tj ET Q q 0 0 0 rg BT 193.27 550.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 224.64 550.10 Td (representations ) Tj ET Q q 0 0 0 rg BT 289.33 550.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 337.92 550.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 364.85 550.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 418.73 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 440.11 550.10 Td (documentation, ) Tj ET Q q 0 0 0 rg BT 506.20 550.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 547.56 550.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (insurability) Tj ET Q q 0 0 0 rg BT 94.90 538.10 Td (. ) Tj ET Q q 0 0 0 rg BT 99.36 538.10 Td (Investors ) Tj ET Q q 0 0 0 rg BT 137.98 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 158.82 538.10 Td (requested ) Tj ET Q q 0 0 0 rg BT 199.10 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.27 538.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 254.12 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.86 538.10 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 306.92 538.10 Td (them ) Tj ET Q q 0 0 0 rg BT 328.88 538.10 Td (against ) Tj ET Q q 0 0 0 rg BT 359.17 538.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 385.02 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 396.98 538.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 426.14 538.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 449.21 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 459.50 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 469.24 538.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 514.50 538.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 537.57 538.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.51 526.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 104.91 526.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 137.07 526.10 Td (do ) Tj ET Q q 0 0 0 rg BT 150.36 526.10 Td (not ) Tj ET Q q 0 0 0 rg BT 166.43 526.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 199.72 526.10 Td (with ) Tj ET Q q 0 0 0 rg BT 220.79 526.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 265.17 526.10 Td (representations. ) Tj ET Q q 0 0 0 rg BT 331.49 526.10 Td (Upon ) Tj ET Q q 0 0 0 rg BT 357.00 526.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 405.28 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.90 526.10 Td (its ) Tj ET Q q 0 0 0 rg BT 429.64 526.10 Td (own ) Tj ET Q q 0 0 0 rg BT 450.16 526.10 Td (investigation, ) Tj ET Q q 0 0 0 rg BT 507.61 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 526.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 90.08 514.10 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 140.15 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 151.35 514.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 188.67 514.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 254.86 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 267.73 514.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 297.81 514.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 324.29 514.10 Td (Indemnification ) Tj ET Q q 0 0 0 rg BT 391.04 514.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 426.68 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 441.76 514.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 481.84 514.10 Td (received ) Tj ET Q q 0 0 0 rg BT 518.58 514.10 Td (within ) Tj ET Q q 0 0 0 rg BT 547.01 514.10 Td (two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (years ) Tj ET Q q 0 0 0 rg BT 73.48 502.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 120.30 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.45 502.10 Td (sale. ) Tj ET Q q 0 0 0 rg BT 150.88 502.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 205.46 502.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 246.72 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.54 502.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 287.03 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 301.07 502.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 341.77 502.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 368.04 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 380.42 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 403.91 502.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 441.82 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.98 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 463.79 502.10 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 514.48 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 525.19 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 537.57 502.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 116.83 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 127.02 490.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 166.06 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 177.36 490.10 Td (be ) Tj ET Q q 0 0 0 rg BT 190.31 490.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 229.38 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.33 490.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 286.94 490.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 327.66 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.39 490.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 384.66 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.50 490.10 Td (this ) Tj ET Q q 0 0 0 rg BT 414.47 490.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 451.85 490.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 486.47 490.10 Td (based ) Tj ET Q q 0 0 0 rg BT 512.76 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 526.27 490.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 554.23 490.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 96.71 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.54 478.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 181.26 478.10 Td (requests, ) Tj ET Q q 0 0 0 rg BT 219.93 478.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 247.20 478.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 266.16 478.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 315.36 478.10 Td (known ) Tj ET Q q 0 0 0 rg BT 345.98 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.82 478.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 399.99 478.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 422.28 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.46 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.07 478.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 473.58 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.42 478.10 Td (current ) Tj ET Q q 0 0 0 rg BT 523.13 478.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 95.98 466.10 Td (At ) Tj ET Q q 0 0 0 rg BT 108.31 466.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 166.72 466.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 191.55 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.09 466.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 239.53 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 253.52 466.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 294.17 466.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 320.39 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 332.71 466.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 378.35 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.11 466.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 460.76 466.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.64 466.10 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 498.47 466.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.36 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 529.69 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 546.45 466.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (included ) Tj ET Q q 0 0 0 rg BT 86.93 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.21 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 120.26 454.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 159.98 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 172.48 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.19 454.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 220.22 454.10 Td (sheet.) Tj ET Q endstream endobj 191 0 obj <> endobj 192 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (95) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM 7A. QUANTIT) Tj ET Q q 0 0 0 rg BT 142.32 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 148.80 742.25 Td (TIVE ) Tj ET Q q 0 0 0 rg BT 175.21 742.25 Td (AND QUALIT) Tj ET Q q 0 0 0 rg BT 238.08 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 244.56 742.25 Td (TIVE DISCLOSURES ) Tj ET Q q 0 0 0 rg BT 344.04 742.25 Td (ABOUT) Tj ET Q q 0 0 0 rg BT 379.42 742.25 Td ( MARKET) Tj ET Q q 0 0 0 rg BT 426.74 742.25 Td ( RISKS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Effects of Inflation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 700.25 Td ( ) Tj ET Q q 0 0 0 rg BT 59.75 700.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 95.05 700.25 Td (or) Tj ET Q q 0 0 0 rg BT 103.20 700.25 Td (ganization) Tj ET Q q 0 0 0 rg BT 147.63 700.25 Td (s ) Tj ET Q q 0 0 0 rg BT 154.60 700.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 181.01 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 198.53 700.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 238.82 700.25 Td (are ) Tj ET Q q 0 0 0 rg BT 254.11 700.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 294.40 700.25 Td (monetary) Tj ET Q q 0 0 0 rg BT 331.52 700.25 Td (. ) Tj ET Q q 0 0 0 rg BT 337.10 700.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 374.61 700.25 Td (in ) Tj ET Q q 0 0 0 rg BT 385.47 700.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.77 700.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 418.83 700.25 Td (of ) Tj ET Q q 0 0 0 rg BT 430.25 700.25 Td (inflation ) Tj ET Q q 0 0 0 rg BT 467.21 700.25 Td (do ) Tj ET Q q 0 0 0 rg BT 480.29 700.25 Td (not ) Tj ET Q q 0 0 0 rg BT 496.15 700.25 Td (have ) Tj ET Q q 0 0 0 rg BT 518.10 700.25 Td (as ) Tj ET Q q 0 0 0 rg BT 529.51 700.25 Td (great ) Tj ET Q q 0 0 0 rg BT 552.58 700.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.87 688.25 Td (on ) Tj ET Q q 0 0 0 rg BT 92.54 688.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.42 688.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 145.06 688.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 185.50 688.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.49 688.25 Td (a ) Tj ET Q q 0 0 0 rg BT 203.59 688.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 225.69 688.25 Td (as ) Tj ET Q q 0 0 0 rg BT 236.68 688.25 Td (do ) Tj ET Q q 0 0 0 rg BT 249.35 688.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 284.22 688.25 Td (in ) Tj ET Q q 0 0 0 rg BT 294.66 688.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 326.75 688.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 350.79 688.25 Td (Moreover) Tj ET Q q 0 0 0 rg BT 389.82 688.25 Td (, ) Tj ET Q q 0 0 0 rg BT 394.98 688.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 427.08 688.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 448.62 688.25 Td (do ) Tj ET Q q 0 0 0 rg BT 461.28 688.25 Td (not ) Tj ET Q q 0 0 0 rg BT 476.72 688.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 523.81 688.25 Td (change ) Tj ET Q q 0 0 0 rg BT 554.79 688.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 676.25 Td (same ) Tj ET Q q 0 0 0 rg BT 87.76 676.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 133.56 676.25 Td (as ) Tj ET Q q 0 0 0 rg BT 144.39 676.25 Td (inflation. ) Tj ET Q q 0 0 0 rg BT 182.72 676.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 232.06 676.25 Td (, ) Tj ET Q q 0 0 0 rg BT 237.06 676.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 271.77 676.25 Td (in ) Tj ET Q q 0 0 0 rg BT 282.05 676.25 Td (inflation ) Tj ET Q q 0 0 0 rg BT 318.43 676.25 Td (are ) Tj ET Q q 0 0 0 rg BT 333.13 676.25 Td (not ) Tj ET Q q 0 0 0 rg BT 348.41 676.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 386.45 676.25 Td (to ) Tj ET Q q 0 0 0 rg BT 396.72 676.25 Td (have ) Tj ET Q q 0 0 0 rg BT 418.10 676.25 Td (a ) Tj ET Q q 0 0 0 rg BT 425.04 676.25 Td (material ) Tj ET Q q 0 0 0 rg BT 460.30 676.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 490.01 676.25 Td (on ) Tj ET Q q 0 0 0 rg BT 502.51 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 517.23 676.25 Td (Company) Tj ET Q q 0 0 0 rg BT 555.46 676.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 655.25 Td (Asset-Liability Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.82 634.25 Td (an ) Tj ET Q q 0 0 0 rg BT 75.97 634.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 111.46 634.25 Td (part ) Tj ET Q q 0 0 0 rg BT 129.71 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 140.75 634.25 Td (its ) Tj ET Q q 0 0 0 rg BT 152.91 634.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 190.60 634.25 Td (strategy) Tj ET Q q 0 0 0 rg BT 221.60 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 226.81 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 241.74 634.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 283.33 634.25 Td (attempts ) Tj ET Q q 0 0 0 rg BT 319.93 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 330.41 634.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 364.22 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 379.14 634.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 409.06 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 420.10 634.25 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 470.02 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 480.51 634.25 Td (market ) Tj ET Q q 0 0 0 rg BT 510.98 634.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 543.13 634.25 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.49 622.25 Td (net ) Tj ET Q q 0 0 0 rg BT 77.19 622.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 109.11 622.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 143.35 622.25 Td (This ) Tj ET Q q 0 0 0 rg BT 163.62 622.25 Td (ef) Tj ET Q q 0 0 0 rg BT 171.20 622.25 Td (fort ) Tj ET Q q 0 0 0 rg BT 188.13 622.25 Td (entails ) Tj ET Q q 0 0 0 rg BT 216.72 622.25 Td (providing ) Tj ET Q q 0 0 0 rg BT 258.09 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 265.02 622.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 310.26 622.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 343.28 622.25 Td (between ) Tj ET Q q 0 0 0 rg BT 379.08 622.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 411.00 622.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 428.47 622.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 448.46 622.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 473.71 622.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 493.70 622.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 530.08 622.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 547.56 622.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 102.80 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.40 610.25 Td (yield. ) Tj ET Q q 0 0 0 rg BT 137.66 610.25 Td (Asset-liability ) Tj ET Q q 0 0 0 rg BT 196.59 610.25 Td (management ) Tj ET Q q 0 0 0 rg BT 249.95 610.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 283.32 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 297.80 610.25 Td (established ) Tj ET Q q 0 0 0 rg BT 344.50 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 361.21 610.25 Td (monitored ) Tj ET Q q 0 0 0 rg BT 404.58 610.25 Td (by ) Tj ET Q q 0 0 0 rg BT 416.85 610.25 Td (management ) Tj ET Q q 0 0 0 rg BT 470.21 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 480.26 610.25 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 529.74 610.25 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 610.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (boards ) Tj ET Q q 0 0 0 rg BT 79.15 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 89.97 598.25 Td (directors ) Tj ET Q q 0 0 0 rg BT 127.45 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 138.27 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 152.97 598.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 181.29 598.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 212.11 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 222.38 598.25 Td (general ) Tj ET Q q 0 0 0 rg BT 254.29 598.25 Td (oversight ) Tj ET Q q 0 0 0 rg BT 294.00 598.25 Td (by ) Tj ET Q q 0 0 0 rg BT 306.49 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.20 598.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 342.03 598.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 396.72 598.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 443.65 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 454.47 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.17 598.25 Td (Company) Tj ET Q q 0 0 0 rg BT 510.84 598.25 Td (s ) Tj ET Q q 0 0 0 rg BT 517.22 598.25 Td (Board. ) Tj ET Q q 0 0 0 rg BT 546.47 598.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 82.82 586.25 Td (establish ) Tj ET Q q 0 0 0 rg BT 119.54 586.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 162.36 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 175.74 586.25 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 219.64 586.25 Td (limits ) Tj ET Q q 0 0 0 rg BT 244.15 586.25 Td (on ) Tj ET Q q 0 0 0 rg BT 255.86 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.80 586.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 312.63 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 322.68 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.62 586.25 Td (market ) Tj ET Q q 0 0 0 rg BT 366.10 586.25 Td (value ) Tj ET Q q 0 0 0 rg BT 389.47 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 399.52 586.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 424.57 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.73 586.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 479.66 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 489.16 586.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 523.09 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 532.58 586.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 83.24 553.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 101.49 553.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 119.75 553.25 Td (arises ) Tj ET Q q 0 0 0 rg BT 145.77 553.25 Td (when ) Tj ET Q q 0 0 0 rg BT 170.69 553.25 Td (the ) Tj ET Q q 0 0 0 rg BT 186.17 553.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 223.31 553.25 Td (or ) Tj ET Q q 0 0 0 rg BT 234.89 553.25 Td (re-pricing ) Tj ET Q q 0 0 0 rg BT 277.58 553.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 310.27 553.25 Td (and ) Tj ET Q q 0 0 0 rg BT 327.97 553.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 360.66 553.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 378.91 553.25 Td (indices ) Tj ET Q q 0 0 0 rg BT 410.49 553.25 Td (of ) Tj ET Q q 0 0 0 rg BT 422.08 553.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.55 553.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 470.24 553.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 503.49 553.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 532.58 553.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 82.30 541.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 124.33 541.25 Td (and ) Tj ET Q q 0 0 0 rg BT 141.08 541.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 183.38 541.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 220.67 541.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 269.65 541.25 Td (are ) Tj ET Q q 0 0 0 rg BT 284.17 541.25 Td (dif) Tj ET Q q 0 0 0 rg BT 295.10 541.25 Td (ferent. ) Tj ET Q q 0 0 0 rg BT 323.22 541.25 Td (It ) Tj ET Q q 0 0 0 rg BT 331.65 541.25 Td (is ) Tj ET Q q 0 0 0 rg BT 340.63 541.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.16 541.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 372.47 541.25 Td (that ) Tj ET Q q 0 0 0 rg BT 389.78 541.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 424.30 541.25 Td (in ) Tj ET Q q 0 0 0 rg BT 434.39 541.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.92 541.25 Td (level ) Tj ET Q q 0 0 0 rg BT 470.67 541.25 Td (of ) Tj ET Q q 0 0 0 rg BT 481.32 541.25 Td (market ) Tj ET Q q 0 0 0 rg BT 511.39 541.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 543.14 541.25 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.25 Td (will ) Tj ET Q q 0 0 0 rg BT 67.64 529.25 Td (result ) Tj ET Q q 0 0 0 rg BT 91.95 529.25 Td (in ) Tj ET Q q 0 0 0 rg BT 101.81 529.25 Td (disproportionate ) Tj ET Q q 0 0 0 rg BT 169.44 529.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 203.74 529.25 Td (in ) Tj ET Q q 0 0 0 rg BT 213.60 529.25 Td (the ) Tj ET Q q 0 0 0 rg BT 227.91 529.25 Td (value ) Tj ET Q q 0 0 0 rg BT 251.65 529.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 264.57 529.25 Td (and ) Tj ET Q q 0 0 0 rg BT 281.09 529.25 Td (the ) Tj ET Q q 0 0 0 rg BT 295.40 529.25 Td (net ) Tj ET Q q 0 0 0 rg BT 309.70 529.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 345.67 529.25 Td (generated ) Tj ET Q q 0 0 0 rg BT 386.62 529.25 Td (from, ) Tj ET Q q 0 0 0 rg BT 410.64 529.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.95 529.25 Td (Company) Tj ET Q q 0 0 0 rg BT 466.61 529.25 Td (s ) Tj ET Q q 0 0 0 rg BT 472.59 529.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 504.11 529.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 536.18 529.25 Td (assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.01 517.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 114.58 517.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 154.37 517.25 Td (and ) Tj ET Q q 0 0 0 rg BT 171.39 517.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 213.95 517.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 251.50 517.25 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 303.06 517.25 Td (The ) Tj ET Q q 0 0 0 rg BT 321.19 517.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 362.65 517.25 Td (continuously ) Tj ET Q q 0 0 0 rg BT 416.89 517.25 Td (monitors ) Tj ET Q q 0 0 0 rg BT 455.03 517.25 Td (not ) Tj ET Q q 0 0 0 rg BT 470.38 517.25 Td (only ) Tj ET Q q 0 0 0 rg BT 490.74 517.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.54 517.25 Td (or) Tj ET Q q 0 0 0 rg BT 513.69 517.25 Td (ganization) Tj ET Q q 0 0 0 rg BT 558.11 517.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (current ) Tj ET Q q 0 0 0 rg BT 80.69 505.25 Td (net ) Tj ET Q q 0 0 0 rg BT 95.29 505.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 127.10 505.25 Td (mar) Tj ET Q q 0 0 0 rg BT 142.46 505.25 Td (gin, ) Tj ET Q q 0 0 0 rg BT 160.12 505.25 Td (but ) Tj ET Q q 0 0 0 rg BT 175.27 505.25 Td (also ) Tj ET Q q 0 0 0 rg BT 193.76 505.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.35 505.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 247.94 505.25 Td (trends ) Tj ET Q q 0 0 0 rg BT 274.76 505.25 Td (of ) Tj ET Q q 0 0 0 rg BT 285.46 505.25 Td (these ) Tj ET Q q 0 0 0 rg BT 308.39 505.25 Td (mar) Tj ET Q q 0 0 0 rg BT 323.75 505.25 Td (gins. ) Tj ET Q q 0 0 0 rg BT 345.30 505.25 Td (In ) Tj ET Q q 0 0 0 rg BT 356.01 505.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 393.66 505.25 Td (management ) Tj ET Q q 0 0 0 rg BT 447.12 505.25 Td (attempts ) Tj ET Q q 0 0 0 rg BT 483.38 505.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.54 505.25 Td (identify ) Tj ET Q q 0 0 0 rg BT 527.02 505.25 Td (potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.34 493.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 118.35 493.25 Td (in ) Tj ET Q q 0 0 0 rg BT 128.94 493.25 Td (net ) Tj ET Q q 0 0 0 rg BT 143.96 493.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 176.19 493.25 Td (income ) Tj ET Q q 0 0 0 rg BT 208.43 493.25 Td (in ) Tj ET Q q 0 0 0 rg BT 219.01 493.25 Td (future ) Tj ET Q q 0 0 0 rg BT 245.70 493.25 Td (years ) Tj ET Q q 0 0 0 rg BT 269.60 493.25 Td (as ) Tj ET Q q 0 0 0 rg BT 280.73 493.25 Td (a ) Tj ET Q q 0 0 0 rg BT 287.98 493.25 Td (result ) Tj ET Q q 0 0 0 rg BT 313.00 493.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 345.23 493.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 363.02 493.25 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 413.04 493.25 Td (by ) Tj ET Q q 0 0 0 rg BT 425.84 493.25 Td (performing ) Tj ET Q q 0 0 0 rg BT 473.63 493.25 Td (simulation ) Tj ET Q q 0 0 0 rg BT 518.66 493.25 Td (analysis ) Tj ET Q q 0 0 0 rg BT 553.68 493.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (various ) Tj ET Q q 0 0 0 rg BT 81.27 481.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 112.53 481.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 129.34 481.25 Td (environments. ) Tj ET Q q 0 0 0 rg BT 188.11 481.25 Td (If ) Tj ET Q q 0 0 0 rg BT 196.59 481.25 Td (a ) Tj ET Q q 0 0 0 rg BT 202.86 481.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 239.68 481.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 272.05 481.25 Td (change ) Tj ET Q q 0 0 0 rg BT 302.19 481.25 Td (in ) Tj ET Q q 0 0 0 rg BT 311.80 481.25 Td (net ) Tj ET Q q 0 0 0 rg BT 325.84 481.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 357.10 481.25 Td (mar) Tj ET Q q 0 0 0 rg BT 372.47 481.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 387.08 481.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 414.45 481.25 Td (net ) Tj ET Q q 0 0 0 rg BT 428.50 481.25 Td (income ) Tj ET Q q 0 0 0 rg BT 459.76 481.25 Td (is ) Tj ET Q q 0 0 0 rg BT 468.26 481.25 Td (identified, ) Tj ET Q q 0 0 0 rg BT 510.91 481.25 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (would ) Tj ET Q q 0 0 0 rg BT 78.31 469.25 Td (take ) Tj ET Q q 0 0 0 rg BT 98.28 469.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 147.12 469.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 178.75 469.25 Td (with ) Tj ET Q q 0 0 0 rg BT 199.84 469.25 Td (its ) Tj ET Q q 0 0 0 rg BT 212.60 469.25 Td (asset-liability ) Tj ET Q q 0 0 0 rg BT 269.79 469.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 308.09 469.25 Td (to ) Tj ET Q q 0 0 0 rg BT 319.17 469.25 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 355.25 469.25 Td (these ) Tj ET Q q 0 0 0 rg BT 379.11 469.25 Td (potentially ) Tj ET Q q 0 0 0 rg BT 425.19 469.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 459.04 469.25 Td (situations. ) Tj ET Q q 0 0 0 rg BT 503.18 469.25 Td (Please ) Tj ET Q q 0 0 0 rg BT 532.04 469.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 554.22 469.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (Item7 ) Tj ET Q q 0 0 0 rg BT 78.51 457.25 Td (Management) Tj ET Q q 0 0 0 rg BT 137.93 457.25 Td (s ) Tj ET Q q 0 0 0 rg BT 144.51 457.25 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 191.08 457.25 Td (and ) Tj ET Q q 0 0 0 rg BT 207.62 457.25 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 245.30 457.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.32 457.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 296.21 457.25 Td (Condition ) Tj ET Q q 0 0 0 rg BT 338.90 457.25 Td (and ) Tj ET Q q 0 0 0 rg BT 356.03 457.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 388.16 457.25 Td (of ) Tj ET Q q 0 0 0 rg BT 399.18 457.25 Td (Operations ) Tj ET Q q 0 0 0 rg BT 450.18 457.25 Td (for ) Tj ET Q q 0 0 0 rg BT 464.52 457.25 Td (further ) Tj ET Q q 0 0 0 rg BT 494.42 457.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 538.77 457.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 457.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (net ) Tj ET Q q 0 0 0 rg BT 64.72 445.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 96.65 445.25 Td (mar) Tj ET Q q 0 0 0 rg BT 112.02 445.25 Td (gin.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.25 Td (Since ) Tj ET Q q 0 0 0 rg BT 75.10 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.21 424.25 Td (Company) Tj ET Q q 0 0 0 rg BT 131.87 424.25 Td (s ) Tj ET Q q 0 0 0 rg BT 138.65 424.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 173.19 424.25 Td (source ) Tj ET Q q 0 0 0 rg BT 202.17 424.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.39 424.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 245.71 424.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 278.58 424.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 318.68 424.25 Td (is ) Tj ET Q q 0 0 0 rg BT 328.24 424.25 Td (from ) Tj ET Q q 0 0 0 rg BT 350.56 424.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 390.10 424.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 428.27 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 443.37 424.25 Td (Company) Tj ET Q q 0 0 0 rg BT 485.03 424.25 Td (s ) Tj ET Q q 0 0 0 rg BT 491.81 424.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 520.25 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 530.91 424.25 Td (manage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.05 412.25 Td (types ) Tj ET Q q 0 0 0 rg BT 88.98 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 106.25 412.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 131.30 412.25 Td (of ) Tj ET Q q 0 0 0 rg BT 142.46 412.25 Td (such ) Tj ET Q q 0 0 0 rg BT 163.62 412.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 199.23 412.25 Td (is ) Tj ET Q q 0 0 0 rg BT 208.73 412.25 Td (somewhat ) Tj ET Q q 0 0 0 rg BT 252.10 412.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 283.26 412.25 Td (by ) Tj ET Q q 0 0 0 rg BT 296.09 412.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 335.58 412.25 Td (preferences ) Tj ET Q q 0 0 0 rg BT 384.48 412.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.75 412.25 Td (local ) Tj ET Q q 0 0 0 rg BT 424.01 412.25 Td (competition ) Tj ET Q q 0 0 0 rg BT 474.61 412.25 Td (in ) Tj ET Q q 0 0 0 rg BT 485.22 412.25 Td (the ) Tj ET Q q 0 0 0 rg BT 500.26 412.25 Td (market ) Tj ET Q q 0 0 0 rg BT 530.86 412.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 554.22 412.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.87 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 91.52 400.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 117.28 400.25 Td (operate. ) Tj ET Q q 0 0 0 rg BT 151.47 400.25 Td (The ) Tj ET Q q 0 0 0 rg BT 169.45 400.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 193.26 400.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 217.91 400.25 Td (and ) Tj ET Q q 0 0 0 rg BT 234.78 400.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 266.64 400.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 284.06 400.25 Td (indices ) Tj ET Q q 0 0 0 rg BT 314.82 400.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.58 400.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.23 400.25 Td (Company) Tj ET Q q 0 0 0 rg BT 381.90 400.25 Td (s ) Tj ET Q q 0 0 0 rg BT 388.22 400.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 420.09 400.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 452.51 400.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 478.27 400.25 Td (result ) Tj ET Q q 0 0 0 rg BT 502.92 400.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 542.57 400.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.34 388.25 Td (Company) Tj ET Q q 0 0 0 rg BT 107.00 388.25 Td (s ) Tj ET Q q 0 0 0 rg BT 114.01 388.25 Td (strategy ) Tj ET Q q 0 0 0 rg BT 148.79 388.25 Td (of ) Tj ET Q q 0 0 0 rg BT 160.24 388.25 Td (investing ) Tj ET Q q 0 0 0 rg BT 200.02 388.25 Td (in ) Tj ET Q q 0 0 0 rg BT 210.92 388.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 235.14 388.25 Td (and ) Tj ET Q q 0 0 0 rg BT 252.70 388.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 293.58 388.25 Td (that ) Tj ET Q q 0 0 0 rg BT 311.70 388.25 Td (permit ) Tj ET Q q 0 0 0 rg BT 340.92 388.25 Td (the ) Tj ET Q q 0 0 0 rg BT 356.26 388.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 398.26 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 409.16 388.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 431.17 388.25 Td (its ) Tj ET Q q 0 0 0 rg BT 443.74 388.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 482.96 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 493.85 388.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.41 388.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 544.51 388.25 Td (risk, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.25 Td (together ) Tj ET Q q 0 0 0 rg BT 85.26 376.25 Td (with ) Tj ET Q q 0 0 0 rg BT 105.54 376.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 130.81 376.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 150.81 376.25 Td (while ) Tj ET Q q 0 0 0 rg BT 175.52 376.25 Td (at ) Tj ET Q q 0 0 0 rg BT 185.24 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.96 376.25 Td (same ) Tj ET Q q 0 0 0 rg BT 223.00 376.25 Td (time ) Tj ET Q q 0 0 0 rg BT 243.28 376.25 Td (achieving ) Tj ET Q q 0 0 0 rg BT 284.65 376.25 Td (an ) Tj ET Q q 0 0 0 rg BT 296.59 376.25 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 341.27 376.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 373.21 376.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 390.69 376.25 Td (spread.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.39 355.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.05 355.25 Td (s ) Tj ET Q q 0 0 0 rg BT 114.78 355.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 152.72 355.25 Td (to ) Tj ET Q q 0 0 0 rg BT 162.33 355.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 193.61 355.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 210.43 355.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 227.27 355.25 Td (is ) Tj ET Q q 0 0 0 rg BT 235.78 355.25 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 274.26 355.25 Td (on ) Tj ET Q q 0 0 0 rg BT 286.10 355.25 Td (a ) Tj ET Q q 0 0 0 rg BT 292.38 355.25 Td (regular ) Tj ET Q q 0 0 0 rg BT 322.53 355.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 344.37 355.25 Td (by ) Tj ET Q q 0 0 0 rg BT 356.21 355.25 Td (management ) Tj ET Q q 0 0 0 rg BT 409.13 355.25 Td (and ) Tj ET Q q 0 0 0 rg BT 425.41 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 439.47 355.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 459.64 355.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 513.68 355.25 Td (Committees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.91 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.70 343.25 Td (boards ) Tj ET Q q 0 0 0 rg BT 104.93 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 115.84 343.25 Td (directors ) Tj ET Q q 0 0 0 rg BT 153.40 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 164.31 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.10 343.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 205.00 343.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.02 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 236.81 343.25 Td (Company) Tj ET Q q 0 0 0 rg BT 275.05 343.25 Td (. ) Tj ET Q q 0 0 0 rg BT 279.94 343.25 Td (The ) Tj ET Q q 0 0 0 rg BT 298.06 343.25 Td (objective ) Tj ET Q q 0 0 0 rg BT 337.29 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 348.19 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 362.99 343.25 Td (review ) Tj ET Q q 0 0 0 rg BT 392.77 343.25 Td (is ) Tj ET Q q 0 0 0 rg BT 402.01 343.25 Td (to ) Tj ET Q q 0 0 0 rg BT 412.37 343.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 448.26 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 463.05 343.25 Td (ef) Tj ET Q q 0 0 0 rg BT 470.64 343.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 488.20 343.25 Td (on ) Tj ET Q q 0 0 0 rg BT 500.78 343.25 Td (net ) Tj ET Q q 0 0 0 rg BT 515.57 343.25 Td (income ) Tj ET Q q 0 0 0 rg BT 547.58 343.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.73 331.25 Td (adjust ) Tj ET Q q 0 0 0 rg BT 87.57 331.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 121.05 331.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 144.55 331.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.94 331.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 204.87 331.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 242.80 331.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 292.41 331.25 Td (to ) Tj ET Q q 0 0 0 rg BT 303.14 331.25 Td (minimize ) Tj ET Q q 0 0 0 rg BT 343.86 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 359.03 331.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 394.74 331.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 412.69 331.25 Td (while ) Tj ET Q q 0 0 0 rg BT 437.86 331.25 Td (at ) Tj ET Q q 0 0 0 rg BT 448.03 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 463.20 331.25 Td (same ) Tj ET Q q 0 0 0 rg BT 486.69 331.25 Td (time ) Tj ET Q q 0 0 0 rg BT 507.42 331.25 Td (maximize ) Tj ET Q q 0 0 0 rg BT 549.80 331.25 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 319.25 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.83 298.25 Td (following ) Tj ET Q q 0 0 0 rg BT 109.00 298.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 140.72 298.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 157.98 298.25 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 197.47 298.25 Td (display ) Tj ET Q q 0 0 0 rg BT 228.64 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.14 298.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 288.73 298.25 Td (change ) Tj ET Q q 0 0 0 rg BT 319.32 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 329.38 298.25 Td (net ) Tj ET Q q 0 0 0 rg BT 343.88 298.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.60 298.25 Td (income ) Tj ET Q q 0 0 0 rg BT 407.32 298.25 Td (over ) Tj ET Q q 0 0 0 rg BT 427.37 298.25 Td (a ) Tj ET Q q 0 0 0 rg BT 434.09 298.25 Td (one-year ) Tj ET Q q 0 0 0 rg BT 471.35 298.25 Td (time ) Tj ET Q q 0 0 0 rg BT 491.40 298.25 Td (horizon ) Tj ET Q q 0 0 0 rg BT 524.23 298.25 Td (assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 88.68 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 105.16 286.25 Td (decreases ) Tj ET Q q 0 0 0 rg BT 145.50 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 155.87 286.25 Td (100 ) Tj ET Q q 0 0 0 rg BT 172.91 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 189.38 286.25 Td (200 ) Tj ET Q q 0 0 0 rg BT 206.42 286.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 228.46 286.25 Td (points. ) Tj ET Q q 0 0 0 rg BT 257.30 286.25 Td (The ) Tj ET Q q 0 0 0 rg BT 274.88 286.25 Td (Static ) Tj ET Q q 0 0 0 rg BT 299.69 286.25 Td (Shock ) Tj ET Q q 0 0 0 rg BT 326.73 286.25 Td (Scenario ) Tj ET Q q 0 0 0 rg BT 363.75 286.25 Td (results ) Tj ET Q q 0 0 0 rg BT 391.90 286.25 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 439.47 286.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 465.38 286.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 485.19 286.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 509.44 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 525.92 286.25 Td (repricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 109.75 274.25 Td (for ) Tj ET Q q 0 0 0 rg BT 123.97 274.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 157.07 274.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 180.18 274.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 229.41 274.25 Td (following ) Tj ET Q q 0 0 0 rg BT 270.86 274.25 Td (an ) Tj ET Q q 0 0 0 rg BT 282.86 274.25 Td (instantaneous, ) Tj ET Q q 0 0 0 rg BT 342.36 274.25 Td (parallel ) Tj ET Q q 0 0 0 rg BT 374.90 274.25 Td (change ) Tj ET Q q 0 0 0 rg BT 405.78 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 416.12 274.25 Td (market ) Tj ET Q q 0 0 0 rg BT 446.45 274.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 467.89 274.25 Td (based ) Tj ET Q q 0 0 0 rg BT 493.22 274.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 515.79 274.25 Td (a ) Tj ET Q q 0 0 0 rg BT 522.79 274.25 Td (static ) Tj ET Q q 0 0 0 rg BT 546.46 274.25 Td (\(i.e. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (no ) Tj ET Q q 0 0 0 rg BT 63.37 262.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 95.08 262.25 Td (or ) Tj ET Q q 0 0 0 rg BT 106.78 262.25 Td (constant\) ) Tj ET Q q 0 0 0 rg BT 146.81 262.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 180.71 262.25 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 207.13 262.25 Td (Conversely) Tj ET Q q 0 0 0 rg BT 252.03 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 257.90 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.49 262.25 Td (Ramp ) Tj ET Q q 0 0 0 rg BT 300.75 262.25 Td (Scenario ) Tj ET Q q 0 0 0 rg BT 339.11 262.25 Td (results ) Tj ET Q q 0 0 0 rg BT 368.59 262.25 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 417.50 262.25 Td (management) Tj ET Q q 0 0 0 rg BT 471.37 262.25 Td (s ) Tj ET Q q 0 0 0 rg BT 478.63 262.25 Td (projections ) Tj ET Q q 0 0 0 rg BT 526.44 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 538.14 262.25 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (volume ) Tj ET Q q 0 0 0 rg BT 82.58 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 99.60 250.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 130.50 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.42 250.25 Td (each ) Tj ET Q q 0 0 0 rg BT 162.31 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.23 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.03 250.25 Td (product ) Tj ET Q q 0 0 0 rg BT 221.15 250.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 242.62 250.25 Td (following ) Tj ET Q q 0 0 0 rg BT 284.09 250.25 Td (a ) Tj ET Q q 0 0 0 rg BT 291.11 250.25 Td (gradual, ) Tj ET Q q 0 0 0 rg BT 326.18 250.25 Td (parallel ) Tj ET Q q 0 0 0 rg BT 358.74 250.25 Td (change ) Tj ET Q q 0 0 0 rg BT 389.64 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 400.00 250.25 Td (market ) Tj ET Q q 0 0 0 rg BT 430.35 250.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 451.80 250.25 Td (over ) Tj ET Q q 0 0 0 rg BT 472.16 250.25 Td (twelve ) Tj ET Q q 0 0 0 rg BT 501.39 250.25 Td (months. ) Tj ET Q q 0 0 0 rg BT 535.35 250.25 Td (Actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (results ) Tj ET Q q 0 0 0 rg BT 78.14 238.25 Td (may ) Tj ET Q q 0 0 0 rg BT 97.39 238.25 Td (dif) Tj ET Q q 0 0 0 rg BT 108.32 238.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 121.45 238.25 Td (from ) Tj ET Q q 0 0 0 rg BT 142.92 238.25 Td (these ) Tj ET Q q 0 0 0 rg BT 165.51 238.25 Td (simulated ) Tj ET Q q 0 0 0 rg BT 206.42 238.25 Td (results ) Tj ET Q q 0 0 0 rg BT 234.56 238.25 Td (due ) Tj ET Q q 0 0 0 rg BT 251.04 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 260.85 238.25 Td (timing, ) Tj ET Q q 0 0 0 rg BT 291.49 238.25 Td (magnitude, ) Tj ET Q q 0 0 0 rg BT 338.24 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 354.71 238.25 Td (frequency ) Tj ET Q q 0 0 0 rg BT 396.72 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.08 238.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 438.55 238.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 455.57 238.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 489.81 238.25 Td (as ) Tj ET Q q 0 0 0 rg BT 500.18 238.25 Td (well ) Tj ET Q q 0 0 0 rg BT 519.43 238.25 Td (as ) Tj ET Q q 0 0 0 rg BT 529.79 238.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.79 226.25 Td (market ) Tj ET Q q 0 0 0 rg BT 91.58 226.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 136.26 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 153.71 226.25 Td (management ) Tj ET Q q 0 0 0 rg BT 207.82 226.25 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 250.88 226.25 Td (The ) Tj ET Q q 0 0 0 rg BT 269.44 226.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 301.89 226.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 319.90 226.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 364.02 226.25 Td (for ) Tj ET Q q 0 0 0 rg BT 378.70 226.25 Td (both ) Tj ET Q q 0 0 0 rg BT 399.50 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.73 226.25 Td (Static ) Tj ET Q q 0 0 0 rg BT 440.52 226.25 Td (Shock ) Tj ET Q q 0 0 0 rg BT 468.54 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 485.99 226.25 Td (Ramp ) Tj ET Q q 0 0 0 rg BT 512.90 226.25 Td (Scenarios ) Tj ET Q q 0 0 0 rg BT 554.79 226.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (December ) Tj ET Q q 0 0 0 rg BT 93.58 214.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 108.58 214.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 131.08 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 148.02 214.25 Td (December ) Tj ET Q q 0 0 0 rg BT 191.61 214.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 206.61 214.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 229.11 214.25 Td (is ) Tj ET Q q 0 0 0 rg BT 238.28 214.25 Td (as ) Tj ET Q q 0 0 0 rg BT 249.11 214.25 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 146.75 249.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 146.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 146.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.50 146.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 146.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 146.75 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 194.75 m 299.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 159.75 m 299.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 194.75 m 303.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 159.75 m 303.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 194.75 m 364.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 159.75 m 364.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 194.75 m 368.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 159.75 m 368.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 194.75 m 429.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 159.75 m 429.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 194.75 m 433.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 159.75 m 433.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 194.75 m 494.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 159.75 m 494.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 194.75 m 498.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 159.75 m 498.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 194.75 m 560.5 194.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 159.75 m 560.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 159.75 m 364.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 159.75 m 368.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 159.75 m 429.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 159.75 m 433.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 159.75 m 494.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 159.75 m 498.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 159.75 m 560.5 159.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 132.75 m 299.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 132.75 m 303.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 132.75 m 364.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 132.75 m 368.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 132.75 m 429.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 132.75 m 433.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433.5 132.75 m 494.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 132.75 m 498.5 132.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 132.75 m 560.5 132.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 53 163.08339843750002 m 144.650390625 163.08339843750002 l s q 0 0 0 rg BT 53.00 164.42 Td (Static Shock Scenarios) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.90 184.42 Td ( +200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.40 174.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.70 164.42 Td ( Points) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.90 184.42 Td ( +100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.40 174.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.70 164.42 Td ( Points) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.05 184.42 Td ( -100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.40 174.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.70 164.42 Td ( Points) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.55 184.42 Td ( -200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.90 174.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.20 164.42 Td ( Points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 150.48 Td (December 31, 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.50 150.48 Td (16.1) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 354.00 150.48 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.50 150.48 Td (8.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.00 150.48 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 459.80 150.53 Td (\(10.6) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 480.65 150.48 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.80 150.53 Td (\(17.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 546.65 150.48 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 137.32 Td (December 31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.50 137.32 Td (13.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.50 137.32 Td (6.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 137.37 Td (\(10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 137.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.80 137.37 Td (\(16.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.65 137.32 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 562.00 133.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 74.75 251.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.50 74.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 304.50 74.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 74.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 74.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 74.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 74.75 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 74.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 74.75 62.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 122.75 m 300.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 87.75 m 300.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 122.75 m 304.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 87.75 m 304.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 122.75 m 365.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 87.75 m 365.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 122.75 m 369.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 87.75 m 369.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 122.75 m 430.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 87.75 m 430.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 122.75 m 434.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 87.75 m 434.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 122.75 m 495.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 87.75 m 495.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 122.75 m 499.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 87.75 m 499.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 122.75 m 561.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 87.75 m 561.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 87.75 m 365.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 87.75 m 369.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 87.75 m 430.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 87.75 m 434.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 87.75 m 495.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 87.75 m 499.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 87.75 m 561.5 87.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 60.75 m 300.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300.5 60.75 m 304.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 304.5 60.75 m 365.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 365.5 60.75 m 369.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 60.75 m 430.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 60.75 m 434.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 60.75 m 495.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 60.75 m 499.5 60.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 60.75 m 561.5 60.75 l s BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 52 91.08339843750002 m 117.263671875 91.08339843750002 l s q 0 0 0 rg BT 52.00 92.42 Td (Ramp Scenarios) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.90 112.42 Td ( +200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.40 102.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.70 92.42 Td ( Points) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.90 112.42 Td ( +100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.40 102.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.70 92.42 Td ( Points) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.05 112.42 Td ( -100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.40 102.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.70 92.42 Td ( Points) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.55 112.42 Td ( -200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.90 102.42 Td ( Basis) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.20 92.42 Td ( Points) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 78.48 Td (December 31, 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 342.50 78.48 Td (7.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 355.00 78.48 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.50 78.48 Td (3.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 420.00 78.48 Td (%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.80 78.53 Td (\(4.4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.65 78.48 Td (\)%) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.80 78.53 Td (\(7.7) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.65 78.48 Td (\)%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 65.32 Td (December 31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.50 65.32 Td (5.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.50 65.32 Td (2.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.80 65.37 Td (\(3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.65 65.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 65.37 Td (\(7.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 65.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 193 0 obj <> endobj 194 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (96) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (One ) Tj ET Q q 0 0 0 rg BT 68.21 742.10 Td (method ) Tj ET Q q 0 0 0 rg BT 99.76 742.10 Td (utilized ) Tj ET Q q 0 0 0 rg BT 131.30 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 142.85 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 179.38 742.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 227.88 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 267.20 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.97 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 319.21 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 323.26 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.59 742.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 365.23 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 396.22 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 412.75 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 429.30 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 437.52 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.85 742.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 468.39 742.10 Td (into ) Tj ET Q q 0 0 0 rg BT 485.49 742.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 527.02 742.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 101.96 730.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 146.95 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 184.72 730.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 234.18 730.10 Td (include ) Tj ET Q q 0 0 0 rg BT 266.41 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 298.63 730.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 316.41 730.10 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 346.14 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 378.37 730.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 396.15 730.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 416.71 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.94 730.10 Td (floors, ) Tj ET Q q 0 0 0 rg BT 462.56 730.10 Td (futures, ) Tj ET Q q 0 0 0 rg BT 495.62 730.10 Td (forwards, ) Tj ET Q q 0 0 0 rg BT 536.46 730.10 Td (option ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 88.16 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.67 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 127.28 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 164.33 718.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 213.06 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 232.91 718.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 262.75 718.10 Td (characteristics. ) Tj ET Q q 0 0 0 rg BT 324.05 718.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 373.95 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 378.52 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.81 718.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 433.76 718.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 459.70 718.10 Td (into ) Tj ET Q q 0 0 0 rg BT 477.33 718.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 533.84 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 543.68 718.10 Td (fund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.45 706.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 119.47 706.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 142.82 706.10 Td (\(interest ) Tj ET Q q 0 0 0 rg BT 177.84 706.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 195.07 706.10 Td (locks\) ) Tj ET Q q 0 0 0 rg BT 221.76 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.79 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 243.48 706.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 262.40 706.10 Td (into ) Tj ET Q q 0 0 0 rg BT 280.21 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.67 706.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 337.46 706.10 Td (market ) Tj ET Q q 0 0 0 rg BT 367.47 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.16 706.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 418.06 706.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 474.75 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 488.66 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.13 706.10 Td (future ) Tj ET Q q 0 0 0 rg BT 529.25 706.10 Td (delivery ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.71 694.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 100.86 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.35 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.51 694.10 Td (third ) Tj ET Q q 0 0 0 rg BT 155.78 694.10 Td (party ) Tj ET Q q 0 0 0 rg BT 178.71 694.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 219.70 694.10 Td (See ) Tj ET Q q 0 0 0 rg BT 236.52 694.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 258.34 694.10 Td (20 ) Tj ET Q q 0 0 0 rg BT 270.73 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.44 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.04 694.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 335.63 694.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 381.90 694.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 422.60 694.10 Td (under ) Tj ET Q q 0 0 0 rg BT 447.75 694.10 Td (Item8 ) Tj ET Q q 0 0 0 rg BT 475.96 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.67 694.10 Td (this ) Tj ET Q q 0 0 0 rg BT 502.98 694.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 534.80 694.10 Td (Report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 682.10 Td (Form ) Tj ET Q q 0 0 0 rg BT 86.67 682.10 Td (10-K ) Tj ET Q q 0 0 0 rg BT 109.72 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 123.88 682.10 Td (further ) Tj ET Q q 0 0 0 rg BT 153.59 682.10 Td (information ) Tj ET Q q 0 0 0 rg BT 203.30 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 215.80 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.52 682.10 Td (Company) Tj ET Q q 0 0 0 rg BT 272.18 682.10 Td (s ) Tj ET Q q 0 0 0 rg BT 278.57 682.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 321.05 682.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 358.54 682.10 Td (instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (During ) Tj ET Q q 0 0 0 rg BT 80.68 661.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 103.03 661.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.82 661.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.82 661.10 Td (, ) Tj ET Q q 0 0 0 rg BT 144.67 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.24 661.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 200.48 661.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 232.25 661.10 Td (into ) Tj ET Q q 0 0 0 rg BT 250.16 661.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 279.71 661.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 313.71 661.10 Td (call ) Tj ET Q q 0 0 0 rg BT 330.50 661.10 Td (option ) Tj ET Q q 0 0 0 rg BT 358.40 661.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 408.52 661.10 Td (related ) Tj ET Q q 0 0 0 rg BT 438.07 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.20 661.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 477.75 661.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 517.87 661.10 Td (held ) Tj ET Q q 0 0 0 rg BT 537.44 661.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 661.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 649.10 Td (. ) Tj ET Q q 0 0 0 rg BT 93.11 649.10 Td (The ) Tj ET Q q 0 0 0 rg BT 111.22 649.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 152.67 649.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 172.45 649.10 Td (these ) Tj ET Q q 0 0 0 rg BT 195.56 649.10 Td (option ) Tj ET Q q 0 0 0 rg BT 223.68 649.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 274.00 649.10 Td (\(rather ) Tj ET Q q 0 0 0 rg BT 303.21 649.10 Td (than ) Tj ET Q q 0 0 0 rg BT 322.99 649.10 Td (entering ) Tj ET Q q 0 0 0 rg BT 358.31 649.10 Td (into ) Tj ET Q q 0 0 0 rg BT 376.43 649.10 Td (other ) Tj ET Q q 0 0 0 rg BT 399.54 649.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 442.08 649.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 474.07 649.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 491.62 649.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 532.77 649.10 Td (such ) Tj ET Q q 0 0 0 rg BT 553.67 649.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.05 637.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 99.66 637.10 Td (floors\) ) Tj ET Q q 0 0 0 rg BT 128.94 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.34 637.10 Td (economically ) Tj ET Q q 0 0 0 rg BT 195.83 637.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 222.33 637.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 261.07 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.13 637.10 Td (compensate ) Tj ET Q q 0 0 0 rg BT 327.95 637.10 Td (for ) Tj ET Q q 0 0 0 rg BT 342.23 637.10 Td (net ) Tj ET Q q 0 0 0 rg BT 357.07 637.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 389.12 637.10 Td (mar) Tj ET Q q 0 0 0 rg BT 404.49 637.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 419.89 637.10 Td (compression ) Tj ET Q q 0 0 0 rg BT 473.06 637.10 Td (by ) Tj ET Q q 0 0 0 rg BT 485.68 637.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 529.39 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.23 637.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (return ) Tj ET Q q 0 0 0 rg BT 76.18 625.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 119.57 625.10 Td (with ) Tj ET Q q 0 0 0 rg BT 139.65 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.17 625.10 Td (related ) Tj ET Q q 0 0 0 rg BT 183.67 625.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 223.73 625.10 Td (through ) Tj ET Q q 0 0 0 rg BT 257.14 625.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 275.54 625.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 316.70 625.10 Td (from ) Tj ET Q q 0 0 0 rg BT 338.44 625.10 Td (these ) Tj ET Q q 0 0 0 rg BT 361.28 625.10 Td (options. ) Tj ET Q q 0 0 0 rg BT 395.02 625.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 435.10 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.62 625.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 483.56 625.10 Td (received ) Tj ET Q q 0 0 0 rg BT 519.73 625.10 Td (from ) Tj ET Q q 0 0 0 rg BT 541.46 625.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (options ) Tj ET Q q 0 0 0 rg BT 82.34 613.10 Td (is ) Tj ET Q q 0 0 0 rg BT 91.90 613.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 129.77 613.10 Td (as ) Tj ET Q q 0 0 0 rg BT 140.99 613.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 191.64 613.10 Td (income ) Tj ET Q q 0 0 0 rg BT 223.96 613.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 250.17 613.10 Td (than ) Tj ET Q q 0 0 0 rg BT 270.28 613.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 302.60 613.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 337.43 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.53 613.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 393.18 613.10 Td (return ) Tj ET Q q 0 0 0 rg BT 419.95 613.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 468.37 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.04 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.15 613.10 Td (related ) Tj ET Q q 0 0 0 rg BT 524.24 613.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (from ) Tj ET Q q 0 0 0 rg BT 70.97 601.10 Td (these ) Tj ET Q q 0 0 0 rg BT 93.05 601.10 Td (options ) Tj ET Q q 0 0 0 rg BT 124.04 601.10 Td (contributes ) Tj ET Q q 0 0 0 rg BT 170.01 601.10 Td (to ) Tj ET Q q 0 0 0 rg BT 179.32 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.07 601.10 Td (Company) Tj ET Q q 0 0 0 rg BT 234.74 601.10 Td (s ) Tj ET Q q 0 0 0 rg BT 240.16 601.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 269.46 601.10 Td (profitability) Tj ET Q q 0 0 0 rg BT 316.58 601.10 Td (. ) Tj ET Q q 0 0 0 rg BT 320.50 601.10 Td (The ) Tj ET Q q 0 0 0 rg BT 337.58 601.10 Td (Company) Tj ET Q q 0 0 0 rg BT 379.25 601.10 Td (s ) Tj ET Q q 0 0 0 rg BT 384.68 601.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 422.31 601.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.62 601.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 462.59 601.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 479.11 601.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 495.64 601.10 Td (may ) Tj ET Q q 0 0 0 rg BT 514.40 601.10 Td (be ) Tj ET Q q 0 0 0 rg BT 525.37 601.10 Td (impacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.70 589.10 Td (these ) Tj ET Q q 0 0 0 rg BT 87.95 589.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 141.65 589.10 Td (T) Tj ET Q q 0 0 0 rg BT 147.06 589.10 Td (o ) Tj ET Q q 0 0 0 rg BT 155.76 589.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 192.23 589.10 Td (this ) Tj ET Q q 0 0 0 rg BT 210.39 589.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 231.59 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.51 589.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 290.10 589.10 Td (may ) Tj ET Q q 0 0 0 rg BT 311.02 589.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 344.14 589.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 368.39 589.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 387.08 589.10 Td (term ) Tj ET Q q 0 0 0 rg BT 409.11 589.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 430.03 589.10 Td (or ) Tj ET Q q 0 0 0 rg BT 442.06 589.10 Td (use ) Tj ET Q q 0 0 0 rg BT 459.09 589.10 Td (other ) Tj ET Q q 0 0 0 rg BT 483.34 589.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.03 589.10 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 101.48 577.10 Td (There ) Tj ET Q q 0 0 0 rg BT 127.30 577.10 Td (were ) Tj ET Q q 0 0 0 rg BT 149.23 577.10 Td (no ) Tj ET Q q 0 0 0 rg BT 161.73 577.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 195.87 577.10 Td (call ) Tj ET Q q 0 0 0 rg BT 212.81 577.10 Td (options ) Tj ET Q q 0 0 0 rg BT 244.76 577.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 293.92 577.10 Td (as ) Tj ET Q q 0 0 0 rg BT 304.75 577.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.58 577.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 374.17 577.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.17 577.10 Td ( ) Tj ET Q q 0 0 0 rg BT 396.67 577.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.50 577.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.50 577.10 Td (.) Tj ET Q endstream endobj 195 0 obj <> endobj 196 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (97) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM8. FINANCIAL) Tj ET Q q 0 0 0 rg BT 145.29 742.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 159.28 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 165.76 742.25 Td (TEMENTS ) Tj ET Q q 0 0 0 rg BT 216.61 742.25 Td (AND SUPPLEMENT) Tj ET Q q 0 0 0 rg BT 308.37 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 322.46 742.25 Td (Y) Tj ET Q q 0 0 0 rg BT 329.31 742.25 Td ( DA) Tj ET Q q 0 0 0 rg BT 345.51 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 351.44 742.25 Td (A) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 181.05 716.25 Td (Report of Independent Register) Tj ET Q q 0 0 0 rg BT 316.13 716.25 Td (ed Public ) Tj ET Q q 0 0 0 rg BT 357.81 716.25 Td (Accounting Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 682.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 94.99 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 105.82 682.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 145.52 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 162.46 682.25 Td (Shareholders ) Tj ET Q q 0 0 0 rg BT 217.17 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.82 682.25 Td (W) Tj ET Q q 0 0 0 rg BT 236.86 682.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 264.91 682.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 304.62 682.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 355.45 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 372.39 682.25 Td (subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 665.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.24 665.25 Td (have ) Tj ET Q q 0 0 0 rg BT 86.28 665.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 117.88 665.25 Td (the ) Tj ET Q q 0 0 0 rg BT 132.26 665.25 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 192.73 665.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 245.43 665.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 289.81 665.25 Td (of ) Tj ET Q q 0 0 0 rg BT 300.30 665.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 340.24 665.25 Td (of ) Tj ET Q q 0 0 0 rg BT 350.58 665.25 Td (W) Tj ET Q q 0 0 0 rg BT 359.61 665.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 387.33 665.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 426.71 665.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 477.20 665.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.80 665.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 543.18 665.25 Td (as ) Tj ET Q q 0 0 0 rg BT 553.67 665.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.25 Td (December ) Tj ET Q q 0 0 0 rg BT 94.07 653.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 109.56 653.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 132.55 653.25 Td (and ) Tj ET Q q 0 0 0 rg BT 149.97 653.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 175.46 653.25 Td (and ) Tj ET Q q 0 0 0 rg BT 192.88 653.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.09 653.25 Td (related ) Tj ET Q q 0 0 0 rg BT 238.28 653.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 291.81 653.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 337.01 653.25 Td (of ) Tj ET Q q 0 0 0 rg BT 348.32 653.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 383.25 653.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 446.76 653.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 481.69 653.25 Td (shareholders' ) Tj ET Q q 0 0 0 rg BT 537.01 653.25 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.38 641.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 86.08 641.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 110.24 641.25 Td (for ) Tj ET Q q 0 0 0 rg BT 123.84 641.25 Td (each ) Tj ET Q q 0 0 0 rg BT 144.09 641.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.36 641.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.51 641.25 Td (three ) Tj ET Q q 0 0 0 rg BT 190.44 641.25 Td (years ) Tj ET Q q 0 0 0 rg BT 213.47 641.25 Td (in ) Tj ET Q q 0 0 0 rg BT 223.19 641.25 Td (the ) Tj ET Q q 0 0 0 rg BT 237.34 641.25 Td (period ) Tj ET Q q 0 0 0 rg BT 264.83 641.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 290.64 641.25 Td (December ) Tj ET Q q 0 0 0 rg BT 333.66 641.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 348.10 641.25 Td (2015. ) Tj ET Q q 0 0 0 rg BT 372.40 641.25 Td (These ) Tj ET Q q 0 0 0 rg BT 398.21 641.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 435.13 641.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 479.28 641.25 Td (are ) Tj ET Q q 0 0 0 rg BT 493.42 641.25 Td (the ) Tj ET Q q 0 0 0 rg BT 507.58 641.25 Td (responsibility ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 629.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 629.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 629.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 122.63 629.25 Td (management. ) Tj ET Q q 0 0 0 rg BT 178.72 629.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 196.77 629.25 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 253.71 629.25 Td (is ) Tj ET Q q 0 0 0 rg BT 262.88 629.25 Td (to ) Tj ET Q q 0 0 0 rg BT 273.16 629.25 Td (express ) Tj ET Q q 0 0 0 rg BT 305.65 629.25 Td (an ) Tj ET Q q 0 0 0 rg BT 317.59 629.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 350.64 629.25 Td (on ) Tj ET Q q 0 0 0 rg BT 363.14 629.25 Td (these ) Tj ET Q q 0 0 0 rg BT 386.19 629.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 423.67 629.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 468.38 629.25 Td (based ) Tj ET Q q 0 0 0 rg BT 493.65 629.25 Td (on ) Tj ET Q q 0 0 0 rg BT 506.15 629.25 Td (our ) Tj ET Q q 0 0 0 rg BT 521.98 629.25 Td (audits.) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (In ) Tj ET Q q 0 0 0 rg BT 60.39 535.25 Td (our ) Tj ET Q q 0 0 0 rg BT 75.77 535.25 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 110.88 535.25 Td (the ) Tj ET Q q 0 0 0 rg BT 125.16 535.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 162.19 535.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 206.46 535.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 240.15 535.25 Td (to ) Tj ET Q q 0 0 0 rg BT 249.99 535.25 Td (above ) Tj ET Q q 0 0 0 rg BT 275.92 535.25 Td (present ) Tj ET Q q 0 0 0 rg BT 306.85 535.25 Td (fairly) Tj ET Q q 0 0 0 rg BT 327.86 535.25 Td (, ) Tj ET Q q 0 0 0 rg BT 332.41 535.25 Td (in ) Tj ET Q q 0 0 0 rg BT 342.25 535.25 Td (all ) Tj ET Q q 0 0 0 rg BT 354.30 535.25 Td (material ) Tj ET Q q 0 0 0 rg BT 389.11 535.25 Td (respects, ) Tj ET Q q 0 0 0 rg BT 425.87 535.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.15 535.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 492.74 535.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 529.78 535.25 Td (position ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.47 523.25 Td (W) Tj ET Q q 0 0 0 rg BT 69.51 523.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 97.38 523.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 136.90 523.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 187.53 523.25 Td (and ) Tj ET Q q 0 0 0 rg BT 204.28 523.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 253.81 523.25 Td (at ) Tj ET Q q 0 0 0 rg BT 263.33 523.25 Td (December ) Tj ET Q q 0 0 0 rg BT 306.73 523.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 321.54 523.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 343.85 523.25 Td (and ) Tj ET Q q 0 0 0 rg BT 360.59 523.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 385.40 523.25 Td (and ) Tj ET Q q 0 0 0 rg BT 402.15 523.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.68 523.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 469.53 523.25 Td (results ) Tj ET Q q 0 0 0 rg BT 497.95 523.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.59 523.25 Td (its ) Tj ET Q q 0 0 0 rg BT 520.35 523.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.76 511.25 Td (its ) Tj ET Q q 0 0 0 rg BT 78.53 511.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 98.62 511.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 123.16 511.25 Td (for ) Tj ET Q q 0 0 0 rg BT 137.15 511.25 Td (each ) Tj ET Q q 0 0 0 rg BT 157.78 511.25 Td (of ) Tj ET Q q 0 0 0 rg BT 168.44 511.25 Td (the ) Tj ET Q q 0 0 0 rg BT 182.97 511.25 Td (three ) Tj ET Q q 0 0 0 rg BT 205.28 511.25 Td (years ) Tj ET Q q 0 0 0 rg BT 228.70 511.25 Td (in ) Tj ET Q q 0 0 0 rg BT 238.80 511.25 Td (the ) Tj ET Q q 0 0 0 rg BT 253.34 511.25 Td (period ) Tj ET Q q 0 0 0 rg BT 281.21 511.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 307.41 511.25 Td (December ) Tj ET Q q 0 0 0 rg BT 350.81 511.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 365.63 511.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 390.46 511.25 Td (in ) Tj ET Q q 0 0 0 rg BT 400.56 511.25 Td (conformity ) Tj ET Q q 0 0 0 rg BT 447.31 511.25 Td (with ) Tj ET Q q 0 0 0 rg BT 467.41 511.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 487.52 511.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 527.04 511.25 Td (accepted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 96.37 499.25 Td (principles.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 482.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 482.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.40 482.25 Td (also ) Tj ET Q q 0 0 0 rg BT 85.83 482.25 Td (have ) Tj ET Q q 0 0 0 rg BT 108.02 482.25 Td (audited, ) Tj ET Q q 0 0 0 rg BT 143.28 482.25 Td (in ) Tj ET Q q 0 0 0 rg BT 154.38 482.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 202.66 482.25 Td (with ) Tj ET Q q 0 0 0 rg BT 223.75 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.29 482.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 280.38 482.25 Td (of ) Tj ET Q q 0 0 0 rg BT 292.03 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.57 482.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 336.45 482.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 377.92 482.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 427.90 482.25 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 470.65 482.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 498.41 482.25 Td (\(United ) Tj ET Q q 0 0 0 rg BT 532.28 482.25 Td (States\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 470.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 88.01 470.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 128.64 470.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 180.38 470.25 Td (and ) Tj ET Q q 0 0 0 rg BT 198.23 470.25 Td (subsidiaries' ) Tj ET Q q 0 0 0 rg BT 250.66 470.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 284.62 470.25 Td (control ) Tj ET Q q 0 0 0 rg BT 316.36 470.25 Td (over ) Tj ET Q q 0 0 0 rg BT 337.54 470.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 375.94 470.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 416.01 470.25 Td (as ) Tj ET Q q 0 0 0 rg BT 427.75 470.25 Td (of ) Tj ET Q q 0 0 0 rg BT 439.50 470.25 Td (December ) Tj ET Q q 0 0 0 rg BT 483.99 470.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 499.91 470.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 525.82 470.25 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 470.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.25 Td (criteria ) Tj ET Q q 0 0 0 rg BT 82.44 458.25 Td (established ) Tj ET Q q 0 0 0 rg BT 131.01 458.25 Td (in ) Tj ET Q q 0 0 0 rg BT 142.92 458.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 178.15 458.25 Td (Control-Integrated ) Tj ET Q q 0 0 0 rg BT 256.70 458.25 Td (Framework ) Tj ET Q q 0 0 0 rg BT 306.93 458.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 336.06 458.25 Td (by ) Tj ET Q q 0 0 0 rg BT 350.20 458.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.55 458.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 415.12 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 427.58 458.25 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 477.27 458.25 Td (Or) Tj ET Q q 0 0 0 rg BT 487.65 458.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 537.32 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 458.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 446.25 Td (readway ) Tj ET Q q 0 0 0 rg BT 92.12 446.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 145.19 446.25 Td (\(2013 ) Tj ET Q q 0 0 0 rg BT 171.02 446.25 Td (framework\) ) Tj ET Q q 0 0 0 rg BT 220.72 446.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.66 446.25 Td (our ) Tj ET Q q 0 0 0 rg BT 253.49 446.25 Td (report ) Tj ET Q q 0 0 0 rg BT 279.86 446.25 Td (dated ) Tj ET Q q 0 0 0 rg BT 304.02 446.25 Td (February ) Tj ET Q q 0 0 0 rg BT 342.62 446.25 Td (29, ) Tj ET Q q 0 0 0 rg BT 357.62 446.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 380.12 446.25 Td (expressed ) Tj ET Q q 0 0 0 rg BT 422.05 446.25 Td (an ) Tj ET Q q 0 0 0 rg BT 433.98 446.25 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 482.03 446.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 515.08 446.25 Td (thereon.) 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1 rg /GS0 gs 487.50 443.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 421.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 421.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 421.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 421.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 421.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 399.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 399.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 399.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 399.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 399.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 377.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 377.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 377.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 377.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 377.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 355.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 355.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 355.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 355.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 355.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 333.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 333.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 333.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 333.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 333.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 311.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 311.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 311.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 311.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 311.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 289.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 289.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 289.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 289.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 289.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 267.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 267.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 267.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 267.95 4.00 -11.00 re f 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0.9333333333333333 1 rg /GS0 gs 410.50 178.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 178.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 178.95 75.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 156.95 356.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 156.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 156.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 156.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 156.95 75.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 697.95 m 483.5 697.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 697.95 m 487.5 697.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 697.95 m 562.5 697.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 686.95 m 406.5 686.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 686.95 m 410.5 686.95 l s 0 0 0 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s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 145.95000000000005 m 406.5 145.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 156.95000000000005 m 410.5 156.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 145.95000000000005 m 483.5 145.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 156.95000000000005 m 487.5 156.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 145.95000000000005 m 562.5 145.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 134.95000000000005 m 406.5 134.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 145.95000000000005 m 410.5 145.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 134.95000000000005 m 410.5 134.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 134.95000000000005 m 483.5 134.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 145.95000000000005 m 487.5 145.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 134.95000000000005 m 487.5 134.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 134.95000000000005 m 562.5 134.95000000000005 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.75 701.03 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 689.90 Td (\(In ) Tj ET Q q 0 0 0 rg BT 64.33 689.90 Td (thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.50 690.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.50 689.90 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 679.03 Td (Assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 667.90 Td (Cash and due from banks) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.00 668.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 668.03 Td (271,454) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.00 667.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 667.90 Td (225,136) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 656.90 Td (Federal funds sold and securities purchased under resale agreements) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.30 657.03 Td (4,341) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 656.90 Td (5,571) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 645.90 Td (Interest bearing deposits with banks) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 646.03 Td (607,782) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 645.90 Td (998,437) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 633.90 Td (Available-for-sale securities, at fair value) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.30 634.03 Td (1,716,388) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 633.90 Td (1,792,078) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 622.90 Td (Held-to-maturity securities, at amortized cost \($878.1 million fair value at December 31, 2015\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 623.03 Td (884,826) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 622.90 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 611.90 Td (Trading account securities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.30 612.03 Td (448) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 611.90 Td (1,206) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 600.90 Td (Federal Home Loan Bank and Federal Reserve Bank stock) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 601.03 Td (101,581) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 600.90 Td (91,582) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 589.90 Td (Brokerage customer receivables) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.30 590.03 Td (27,631) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 589.90 Td (24,221) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 578.90 Td (Mortgage loans held-for-sale) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 579.03 Td (388,038) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 578.90 Td (351,290) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 567.90 Td (Loans, net of unearned income, excluding covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 568.03 Td (17,118,117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 567.90 Td (14,409,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 556.90 Td (Covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 557.03 Td (148,673) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 556.90 Td (226,709) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 545.90 Td (Total loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 546.03 Td (17,266,790) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 545.90 Td (14,636,107) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 534.90 Td (Less: Allowance for loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 535.03 Td (105,400) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 534.90 Td (91,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 523.90 Td (Less: Allowance for covered loan losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.30 524.03 Td (3,026) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 523.90 Td (2,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 512.90 Td (Net loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 513.03 Td (17,158,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 512.90 Td (14,542,271) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 501.90 Td (Premises and equipment, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 502.03 Td (592,256) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 501.90 Td (555,228) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 490.90 Td (Lease investments, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.30 491.03 Td (63,170) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 490.90 Td (426) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 479.90 Td (FDIC indemnification asset) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.30 480.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 479.90 Td (11,846) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 468.90 Td (Accrued interest receivable and other assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 469.03 Td (604,917) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 468.90 Td (501,456) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 457.90 Td (Trade date securities receivable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.30 458.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 457.90 Td (485,534) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 446.90 Td (Goodwill) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 447.03 Td (471,761) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 446.90 Td (405,634) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 435.90 Td (Other intangible assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.30 436.03 Td (24,209) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 435.90 Td (18,811) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 424.90 Td (Total assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.00 425.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 425.03 Td (22,917,166) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.00 424.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 424.90 Td (20,010,727) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 403.03 Td (Liabilities and Shareholders Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 391.90 Td (Deposits:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 380.90 Td (Non-interest bearing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.00 381.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.30 381.03 Td (4,836,420) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.00 380.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 380.90 Td (3,518,685) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 369.90 Td (Interest bearing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 370.03 Td (13,803,214) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 369.90 Td (12,763,159) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 358.90 Td (Total deposits) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 359.03 Td (18,639,634) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 358.90 Td (16,281,844) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 347.90 Td (Federal Home Loan Bank advances) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 348.03 Td (859,876) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 347.90 Td (733,050) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 336.90 Td (Other borrowings) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 337.03 Td (266,019) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 336.90 Td (196,465) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 325.90 Td (Subordinated notes) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 326.03 Td (140,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 325.90 Td (140,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 314.90 Td (Junior subordinated debentures) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 315.03 Td (268,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 314.90 Td (249,493) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 303.90 Td (Trade date securities payable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.30 304.03 Td (538) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 303.90 Td (3,828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 292.90 Td (Accrued interest payable and other liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 293.03 Td (390,259) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 292.90 Td (336,225) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 281.90 Td (Total liabilities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 282.03 Td (20,564,892) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 281.90 Td (17,940,905) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 270.90 Td (Shareholders Equity:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 259.90 Td (Preferred stock, no par value; 20,000,000 shares authorized:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 248.90 Td (Series C - $1,000 liquidation value; 126,287 and 126,467 shares issued and outstanding at December 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 240.95 Td (2015 and 2014, respectively) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 243.18 Td (126,287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 243.20 Td (126,467) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 230.90 Td (Series D - $25 liquidation value; 5,000,000 shares issued and outstanding at December 31, 2015 and no) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 222.90 Td (shares issued and outstanding at December 31, 2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 224.18 Td (125,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 224.20 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 211.90 Td (Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at December 31, 2015 and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 203.90 Td (2014; 48,468,894 shares issued at December 31, 2015 and 46,881,108 shares issued at December31, 2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.30 205.18 Td (48,469) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 205.20 Td (46,881) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 192.90 Td (Surplus) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.30 193.03 Td (1,190,988) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 192.90 Td (1,133,955) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 181.90 Td (Treasury stock, at cost, 85,615 shares issued at December 31, 2015 and 76,053 shares at December31, 2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 459.60 182.03 Td (\(3,973) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 480.30 182.03 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 181.90 Td (\(3,549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 181.90 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 170.90 Td (Retained earnings) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.30 171.03 Td (928,211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 170.90 Td (803,400) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 159.90 Td (Accumulated other comprehensive loss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 455.60 160.03 Td (\(62,708) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 480.30 160.03 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 159.90 Td (\(37,332) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 159.90 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 148.90 Td (Total shareholders equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.30 149.03 Td (2,352,274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 148.90 Td (2,069,822) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 71.00 138.03 Td (Total liabilities and shareholders equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.00 138.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.30 138.03 Td (22,917,166) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.00 137.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 137.90 Td (20,010,727) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 114.45 Td (See ) Tj ET Q q 0 0 0 rg BT 66.38 114.45 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 127.19 114.45 Td (Notes ) Tj ET Q q 0 0 0 rg BT 152.47 114.45 Td (to ) Tj ET Q q 0 0 0 rg BT 162.75 114.45 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 218.58 114.45 Td (Financial ) Tj ET Q q 0 0 0 rg BT 259.97 114.45 Td (Statements) Tj ET Q endstream endobj 199 0 obj <> endobj 200 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 27.67 Td (99) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (WINTRUST) Tj ET Q q 0 0 0 rg BT 104.28 742.25 Td ( FINANCIAL) Tj ET Q q 0 0 0 rg BT 162.90 742.25 Td ( CORPORA) Tj ET Q q 0 0 0 rg BT 215.21 742.25 Td (TION ) Tj ET Q q 0 0 0 rg BT 242.71 742.25 Td (AND SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 109.82 730.25 Td (TED ST) Tj ET Q q 0 0 0 rg BT 144.38 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 150.85 730.25 Td (TEMENTS OF) Tj ET Q q 0 0 0 rg BT 215.77 730.25 Td ( INCOME) Tj ET Q 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1 rg /GS0 gs 412.50 574.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 574.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 574.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 552.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 552.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 552.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 552.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 552.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 552.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 552.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 530.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 530.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 530.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 530.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 530.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 530.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 530.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 508.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 508.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 508.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 508.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 508.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 508.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 508.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 486.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 486.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 486.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 486.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 486.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 486.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 486.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 464.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 464.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 464.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 464.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 464.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 464.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 464.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 442.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 442.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 442.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 442.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 442.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 442.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 442.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 420.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 420.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 420.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 420.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 420.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 420.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 420.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 398.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 398.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 398.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 398.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 398.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 398.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 398.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 376.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 376.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 376.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 376.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 376.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 376.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 376.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 354.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 354.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 354.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 354.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 354.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 354.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 354.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 332.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 332.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 332.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 332.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 332.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 332.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 332.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 310.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 310.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 310.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 310.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 310.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 310.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 310.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 288.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 288.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 288.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 288.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 288.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 288.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 288.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 266.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 266.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 266.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 266.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 266.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 266.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 266.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 244.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 244.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 244.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 244.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 244.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 244.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 244.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 222.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 222.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 222.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 222.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 222.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 222.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 222.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 200.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 200.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 200.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 200.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 200.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 200.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 200.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 178.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 178.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 178.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 178.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 178.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 178.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 178.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 156.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 156.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 156.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 156.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 156.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 156.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 156.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 134.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 134.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 134.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 134.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 134.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 134.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 134.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 112.95 282.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 112.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 112.95 72.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 112.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 112.95 73.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 112.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 112.95 73.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 696.95 m 408.5 696.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 696.95 m 412.5 696.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 696.95 m 485.5 696.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 696.95 m 489.5 696.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 696.95 m 562.5 696.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 684.95 m 332.5 684.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 684.95 m 336.5 684.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 684.95 m 408.5 684.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 684.95 m 412.5 684.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 684.95 m 485.5 684.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 684.95 m 489.5 684.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 684.95 m 562.5 684.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 596.95 m 332.5 596.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 585.95 m 332.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 596.95 m 336.5 596.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 585.95 m 336.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 596.95 m 408.5 596.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 585.95 m 408.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 596.95 m 412.5 596.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 585.95 m 412.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 596.95 m 485.5 596.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 585.95 m 485.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 596.95 m 489.5 596.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 585.95 m 489.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 596.95 m 562.5 596.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 585.95 m 562.5 585.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 519.95 m 332.5 519.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 508.95000000000005 m 332.5 508.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 519.95 m 336.5 519.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 508.95000000000005 m 336.5 508.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 519.95 m 408.5 519.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 508.95000000000005 m 408.5 508.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 519.95 m 412.5 519.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 508.95000000000005 m 412.5 508.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 519.95 m 485.5 519.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 508.95000000000005 m 485.5 508.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 519.95 m 489.5 519.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 508.95000000000005 m 489.5 508.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 519.95 m 562.5 519.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 508.95000000000005 m 562.5 508.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 486.95000000000005 m 332.5 486.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 475.95000000000005 m 332.5 475.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 486.95000000000005 m 336.5 486.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 475.95000000000005 m 336.5 475.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 486.95000000000005 m 408.5 486.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 475.95000000000005 m 408.5 475.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 486.95000000000005 m 412.5 486.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 475.95000000000005 m 412.5 475.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 486.95000000000005 m 485.5 486.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 475.95000000000005 m 485.5 475.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 486.95000000000005 m 489.5 486.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 475.95000000000005 m 489.5 475.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 486.95000000000005 m 562.5 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ET q 0 0 0 rg BT 537.30 522.90 Td (11,369) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 511.90 Td (Total interest expense) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 512.03 Td (76,935) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 511.90 Td (72,692) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 511.90 Td (80,082) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 501.03 Td (Net interest income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 501.03 Td (641,529) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 500.90 Td (598,575) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 500.90 Td (550,627) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 489.90 Td (Provision for credit losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 490.03 Td (32,942) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 489.90 Td (20,537) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 489.90 Td (46,033) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 478.90 Td (Net interest income after provision for credit losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 479.03 Td (608,587) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 478.90 Td (578,038) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 478.90 Td (504,594) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 468.03 Td (Non-interest income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 456.90 Td (Wealth management) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 457.03 Td (73,452) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 456.90 Td (71,343) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 456.90 Td (63,042) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 445.90 Td (Mortgage banking) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 446.03 Td (115,011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 445.90 Td (91,617) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 445.90 Td (106,857) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 434.90 Td (Service charges on deposit accounts) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 435.03 Td (27,384) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 434.90 Td (23,307) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 434.90 Td (20,366) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 423.90 Td (Gains \(losses\) on available-for-sale securities, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 393.30 424.03 Td (323) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.60 423.90 Td (\(504) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 423.90 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 423.90 Td (\(3,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 423.90 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 412.90 Td (Fees from covered call options) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 413.03 Td (15,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.30 412.90 Td (7,859) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 412.90 Td (4,773) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 401.90 Td (Trading \(losses\) gains, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 390.60 402.03 Td (\(247) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 405.30 402.03 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.60 401.90 Td (\(1,609) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 401.90 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 401.90 Td (892) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 390.90 Td (Operating lease income, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 391.03 Td (2,728) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.30 390.90 Td (163) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 390.90 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 379.90 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 380.03 Td (37,582) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 379.90 Td (23,064) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 379.90 Td (29,467) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 368.90 Td (Total non-interest income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 369.03 Td (271,597) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 368.90 Td (215,240) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 368.90 Td (222,397) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 358.03 Td (Non-interest expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 346.90 Td (Salaries and employee benefits) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 347.03 Td (382,080) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 346.90 Td (335,506) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 346.90 Td (308,794) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 335.90 Td (Equipment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 336.03 Td (32,812) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 335.90 Td (29,609) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 335.90 Td (26,450) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 324.90 Td (Equipment on operating lease) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 325.03 Td (1,826) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.30 324.90 Td (142) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 324.90 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 313.90 Td (Occupancy, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 314.03 Td (48,880) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 313.90 Td (42,889) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 313.90 Td (36,633) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 302.90 Td (Data processing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 303.03 Td (26,940) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 302.90 Td (19,336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 302.90 Td (18,672) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 291.90 Td (Advertising and marketing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 292.03 Td (21,924) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 291.90 Td (13,571) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 291.90 Td (11,051) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 280.90 Td (Professional fees) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 281.03 Td (18,225) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 280.90 Td (15,574) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 280.90 Td (14,922) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 269.90 Td (Amortization of other intangible assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 270.03 Td (4,621) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.30 269.90 Td (4,692) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 269.90 Td (4,627) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 258.90 Td (FDIC insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 259.03 Td (12,386) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 258.90 Td (12,168) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 258.90 Td (12,728) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 247.90 Td (OREO expenses, net) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 248.03 Td (4,483) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.30 247.90 Td (9,367) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 247.90 Td (5,834) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 236.90 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 237.03 Td (74,242) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 236.90 Td (63,993) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 236.90 Td (62,840) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 225.90 Td (Total non-interest expense) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 226.03 Td (628,419) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 225.90 Td (546,847) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 225.90 Td (502,551) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 214.90 Td (Income before taxes) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 215.03 Td (251,765) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 214.90 Td (246,431) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 214.90 Td (224,440) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 203.90 Td (Income tax expense) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 204.03 Td (95,016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 203.90 Td (95,033) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 203.90 Td (87,230) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 193.03 Td (Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 193.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 193.03 Td (156,749) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.00 192.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 192.90 Td (151,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.00 192.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 192.90 Td (137,210) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 181.90 Td (Preferred stock dividends and discount accretion) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 182.03 Td (10,869) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.30 181.90 Td (6,323) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 181.90 Td (8,395) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 171.03 Td (Net income applicable to common shares) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 171.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 379.30 171.03 Td (145,880) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.00 170.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 170.90 Td (145,075) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.00 170.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 170.90 Td (128,815) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 160.03 Td (Net income per common shareBasic) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 160.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.30 160.03 Td (3.05) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.00 159.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 159.90 Td (3.12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.00 159.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.30 159.90 Td (3.33) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 149.03 Td (Net income per common shareDiluted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 149.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.30 149.03 Td (2.93) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.00 148.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 148.90 Td (2.98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.00 148.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.30 148.90 Td (2.75) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 138.03 Td (Cash dividends declared per common share) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.00 138.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.30 138.03 Td (0.44) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.00 137.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 137.90 Td (0.40) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.00 137.90 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.30 137.90 Td (0.18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 126.90 Td (Weighted average common shares outstanding) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 127.03 Td (47,838) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 126.90 Td (46,524) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 126.90 Td (38,699) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 115.90 Td (Dilutive potential common shares) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.30 116.03 Td (4,099) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.30 115.90 Td (4,321) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 115.90 Td (11,249) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 104.90 Td (Average common shares and dilutive common shares) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.30 105.03 Td (51,937) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.30 104.90 Td (50,845) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 104.90 Td (49,948) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 81.45 Td (See ) Tj ET Q q 0 0 0 rg BT 66.38 81.45 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 127.19 81.45 Td (Notes ) Tj ET Q q 0 0 0 rg BT 152.47 81.45 Td (to ) Tj ET Q q 0 0 0 rg BT 162.75 81.45 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 218.58 81.45 Td (Financial ) Tj ET Q q 0 0 0 rg BT 259.97 81.45 Td (Statements) Tj ET Q endstream endobj 201 0 obj <> endobj 202 0 obj <> stream BT /F1 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0.9333333333333333 1 rg /GS0 gs 493.50 489.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 462.75 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 462.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 462.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 462.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 462.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 462.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 434.75 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 434.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 434.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 434.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 434.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 434.75 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 406.75 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 406.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 406.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 406.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 406.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 406.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 378.75 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 378.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 378.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 378.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 378.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 378.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 350.75 300.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 350.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 417.50 350.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 421.50 350.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 350.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 350.75 68.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 694.75 m 417.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 694.75 m 421.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 694.75 m 489.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 694.75 m 493.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 694.75 m 561.5 694.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 682.75 m 349.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 682.75 m 417.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 682.75 m 421.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 682.75 m 489.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 682.75 m 493.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 682.75 m 561.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 682.75 m 417.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 682.75 m 421.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 682.75 m 489.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 682.75 m 493.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 682.75 m 561.5 682.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 627.75 m 349.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 627.75 m 417.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 627.75 m 421.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 627.75 m 489.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 627.75 m 493.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 627.75 m 561.5 627.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 613.75 m 349.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 613.75 m 417.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 613.75 m 421.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 613.75 m 489.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 613.75 m 493.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 613.75 m 561.5 613.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 570.75 m 349.5 570.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 570.75 m 417.5 570.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 570.75 m 421.5 570.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 570.75 m 489.5 570.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 570.75 m 493.5 570.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 570.75 m 561.5 570.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 556.75 m 349.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 556.75 m 417.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 556.75 m 421.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 556.75 m 489.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 556.75 m 493.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 556.75 m 561.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 556.75 m 349.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 556.75 m 417.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 556.75 m 421.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 556.75 m 489.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 556.75 m 493.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 556.75 m 561.5 556.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 503.75 m 349.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 503.75 m 417.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 503.75 m 421.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 503.75 m 489.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 503.75 m 493.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 503.75 m 561.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 503.75 m 349.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 489.75 m 349.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 503.75 m 417.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 489.75 m 417.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 503.75 m 421.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 489.75 m 421.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 503.75 m 489.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 489.75 m 489.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 503.75 m 493.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 489.75 m 493.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 503.75 m 561.5 503.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 489.75 m 561.5 489.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 475.75 m 349.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 475.75 m 417.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 475.75 m 421.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 475.75 m 489.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 475.75 m 493.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 475.75 m 561.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 434.75 m 349.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 434.75 m 417.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 434.75 m 421.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 434.75 m 489.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 434.75 m 493.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 434.75 m 561.5 434.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 419.75 m 349.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 419.75 m 417.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 419.75 m 421.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 419.75 m 489.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 419.75 m 493.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 419.75 m 561.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 419.75 m 561.5 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 378.75 m 349.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 378.75 m 417.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 378.75 m 421.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 378.75 m 489.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 378.75 m 493.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 378.75 m 561.5 378.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 364.75 m 349.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 364.75 m 417.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 364.75 m 421.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 364.75 m 489.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 364.75 m 493.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 364.75 m 561.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 350.75 m 349.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 350.75 m 417.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 350.75 m 421.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 350.75 m 489.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 350.75 m 493.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 350.75 m 561.5 350.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 336.75 m 349.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 336.75 m 417.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 417.5 336.75 m 421.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 421.5 336.75 m 489.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 336.75 m 493.5 336.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 336.75 m 561.5 336.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 409.05 698.98 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 686.70 Td (\(In thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.00 686.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.00 686.70 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.00 686.70 Td (2013) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 673.48 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.00 673.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 673.43 Td (156,749) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.00 673.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 673.32 Td (151,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 673.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 673.32 Td (137,210) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 659.48 Td (Unrealized \(losses\) gains on securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 646.32 Td (Before tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.80 646.48 Td (\(13,176) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 646.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 646.32 Td (72,488) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.80 646.37 Td (\(102,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 646.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 632.32 Td (Tax effect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 632.43 Td (5,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 632.37 Td (\(28,660) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 632.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 632.32 Td (40,608) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.00 618.32 Td (Net of tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.80 618.48 Td (\(8,023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 618.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 618.32 Td (43,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 618.37 Td (\(62,182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 618.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 604.32 Td (Reclassification of net gains \(losses\) included in net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 589.32 Td (Before tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 589.43 Td (323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.30 589.37 Td (\(504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 589.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 589.37 Td (\(3,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 589.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 575.32 Td (Tax effect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.30 575.48 Td (\(127) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 575.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.65 575.32 Td (200) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 575.32 Td (1,193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.00 561.32 Td (Net of tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 561.43 Td (196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.30 561.37 Td (\(304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 561.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 561.37 Td (\(1,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 561.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 547.32 Td (Reclassification of amortization of unrealized losses on investment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 537.32 Td (securities transferred to held-to-maturity from available-for-sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 522.32 Td (Before tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.30 522.48 Td (\(128) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 522.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 522.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 522.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 508.32 Td (Tax effect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.65 508.43 Td (50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 508.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 508.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.00 494.32 Td (Net of tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.30 494.48 Td (\(78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 494.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 494.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 494.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 480.32 Td (Net unrealized \(losses\) gains on securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.80 480.48 Td (\(8,141) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 480.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 480.32 Td (44,132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 480.37 Td (\(60,375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 480.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 466.48 Td (Unrealized gains \(losses\) on derivative instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 453.32 Td (Before tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 453.43 Td (533) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 453.37 Td (\(91) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 453.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 453.32 Td (4,702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 439.32 Td (Tax effect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.30 439.48 Td (\(209) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 439.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 439.32 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 439.37 Td (\(1,872) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 439.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 425.32 Td (Net unrealized gains \(losses\) on derivative instruments) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 424.43 Td (324) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 424.47 Td (\(55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 424.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 424.42 Td (2,830) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.00 410.48 Td (Foreign currency translation adjustment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 397.32 Td (Before tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.80 397.48 Td (\(24,001) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 397.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 397.37 Td (\(24,346) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 397.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 397.37 Td (\(17,564) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 397.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.00 383.32 Td (Tax effect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 383.43 Td (6,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 383.32 Td (5,973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 383.32 Td (4,362) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 369.32 Td (Net foreign currency translation adjustment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.80 369.48 Td (\(17,559) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 413.65 369.43 Td (\)) Tj ET Q BT /F1 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50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 452.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 452.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 452.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 452.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 452.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 452.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 452.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 452.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 452.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 452.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 452.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 452.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 430.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 430.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 430.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 430.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 430.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 430.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 430.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 430.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 430.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 430.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 430.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 430.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 430.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 430.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 430.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 402.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 402.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 402.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 402.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 402.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 402.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 402.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 402.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 402.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 402.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 402.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 402.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 402.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 402.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 402.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 380.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 380.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 380.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 380.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 380.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 380.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 380.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 380.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 380.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 380.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 380.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 380.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 380.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 380.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 380.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 358.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 358.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 358.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 358.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 358.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 358.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 358.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 358.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 358.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 358.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 358.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 358.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 358.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 358.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 358.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 336.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 336.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 336.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 336.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 336.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 336.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 336.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 336.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 336.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 336.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 336.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 336.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 336.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 336.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 336.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 314.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 314.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 314.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 314.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 314.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 314.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 314.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 314.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 314.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 314.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 314.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 314.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 314.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 314.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 314.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 292.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 292.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 292.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 292.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 292.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 292.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 292.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 292.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 292.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 292.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 292.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 292.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 292.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 292.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 292.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 270.95 119.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 270.95 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 270.95 50.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 270.95 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 270.95 50.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 270.95 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 270.95 50.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 270.95 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 270.95 50.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 270.95 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 270.95 50.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 270.95 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 270.95 57.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 270.95 4.00 -17.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 270.95 53.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 242.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 242.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 220.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 220.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 220.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 220.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 220.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 220.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 220.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 220.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 220.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 220.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 220.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 220.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 220.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 220.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 220.95 53.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 198.95 119.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 198.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 198.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 223.50 198.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 198.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 198.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 198.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 198.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 198.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 198.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 198.95 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 198.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 198.95 57.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 198.95 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 198.95 53.00 -11.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 679.95 m 169.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 679.95 m 173.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 679.95 m 223.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 679.95 m 227.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 679.95 m 277.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 679.95 m 281.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 679.95 m 331.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 679.95 m 335.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 679.95 m 385.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 679.95 m 389.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 679.95 m 439.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 679.95 m 443.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 679.95 m 500.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 679.95 m 504.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 679.95 m 557.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 679.95 m 169.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 679.95 m 223.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 679.95 m 227.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 679.95 m 277.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 679.95 m 281.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 679.95 m 331.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 679.95 m 335.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 679.95 m 385.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 679.95 m 389.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 679.95 m 439.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 679.95 m 443.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 679.95 m 500.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 679.95 m 504.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 679.95 m 557.5 679.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 485.95000000000005 m 169.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 485.95000000000005 m 173.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 485.95000000000005 m 223.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 485.95000000000005 m 227.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 485.95000000000005 m 277.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 485.95000000000005 m 281.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 485.95000000000005 m 331.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 485.95000000000005 m 335.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 485.95000000000005 m 385.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 485.95000000000005 m 389.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 485.95000000000005 m 439.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 485.95000000000005 m 443.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 485.95000000000005 m 500.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 485.95000000000005 m 504.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 485.95000000000005 m 557.5 485.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 347.95000000000005 m 169.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 347.95000000000005 m 173.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 347.95000000000005 m 223.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 347.95000000000005 m 227.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 347.95000000000005 m 277.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 347.95000000000005 m 281.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 347.95000000000005 m 331.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 347.95000000000005 m 335.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 347.95000000000005 m 385.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 347.95000000000005 m 389.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 347.95000000000005 m 439.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 347.95000000000005 m 443.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 347.95000000000005 m 500.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 347.95000000000005 m 504.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 347.95000000000005 m 557.5 347.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 187.95000000000005 m 169.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 187.95000000000005 m 173.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 187.95000000000005 m 223.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 187.95000000000005 m 227.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 187.95000000000005 m 277.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 187.95000000000005 m 281.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 187.95000000000005 m 331.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 187.95000000000005 m 335.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 187.95000000000005 m 385.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 187.95000000000005 m 389.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 187.95000000000005 m 439.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 187.95000000000005 m 443.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 187.95000000000005 m 500.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 187.95000000000005 m 504.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 187.95000000000005 m 557.5 187.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 176.95000000000005 m 169.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 176.95000000000005 m 173.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 176.95000000000005 m 223.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 223.5 176.95000000000005 m 227.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 227.5 176.95000000000005 m 277.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 176.95000000000005 m 281.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 176.95000000000005 m 331.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 176.95000000000005 m 335.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 176.95000000000005 m 385.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 176.95000000000005 m 389.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 176.95000000000005 m 439.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 176.95000000000005 m 443.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 176.95000000000005 m 500.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 176.95000000000005 m 504.5 176.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 176.95000000000005 m 557.5 176.95000000000005 l s BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 683.79 Td (\(In thousands\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 185.60 689.79 Td (Pr) Tj ET Q q 0 0 0 rg BT 191.82 689.79 Td (eferr) Tj ET Q q 0 0 0 rg BT 204.36 689.79 Td (ed) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 191.30 683.79 Td (stock) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 240.15 689.79 Td (Common) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 245.30 683.79 Td (stock) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 295.95 683.79 Td (Surplus) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 348.40 689.79 Td (T) Tj ET Q q 0 0 0 rg BT 351.96 689.79 Td (r) Tj ET Q q 0 0 0 rg BT 354.51 689.79 Td (easury) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 353.30 683.79 Td (stock) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 402.50 689.79 Td (Retained) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 402.95 683.79 Td (earnings) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 454.50 701.79 Td (Accumulated) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 464.70 695.79 Td (other) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 452.35 689.79 Td (compr) Tj ET Q q 0 0 0 rg BT 468.90 689.79 Td (ehensive) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 454.90 683.79 Td (income \(loss\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 523.90 695.79 Td (T) Tj ET Q q 0 0 0 rg BT 527.35 695.79 Td (otal) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 513.20 689.79 Td (shar) Tj ET Q q 0 0 0 rg BT 524.43 689.79 Td (eholders') Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 522.45 683.79 Td (equity) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 673.29 Td (Balance at January 1, 2013) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 176.00 672.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 201.50 672.79 Td (176,406) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 230.00 672.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 258.50 672.79 Td (37,108) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 284.00 672.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.00 672.79 Td (1,036,295) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 338.00 672.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 367.50 672.79 Td (\(7,838) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 383.00 672.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 392.00 672.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 417.50 672.79 Td (555,023) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 446.00 672.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 484.50 672.79 Td (7,711) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.00 672.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 531.00 672.79 Td (1,804,705) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 662.29 Td (Net income) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 661.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 661.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 661.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 661.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 417.50 661.79 Td (137,210) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 661.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 535.50 661.79 Td (137,210) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 651.29 Td (Other comprehensive loss, net of tax) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 650.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 650.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 650.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 650.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 650.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 479.50 650.79 Td (\(70,747) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 498.00 650.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 536.50 650.79 Td (\(70,747) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 555.00 650.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 640.29 Td (Cash dividends declared on common stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 639.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 639.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 639.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 639.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 639.79 Td (\(6,903) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 437.00 639.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 639.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 539.50 639.79 Td (\(6,903) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 555.00 639.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 629.29 Td (Dividends on preferred stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 628.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 628.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 628.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 628.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 628.79 Td (\(8,325) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 437.00 628.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 628.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 539.50 628.79 Td (\(8,325) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 555.00 628.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 618.29 Td (Accretion on preferred stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 617.79 Td (70) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 617.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 617.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 617.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 429.00 617.79 Td (\(70) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 437.00 617.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 617.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 549.00 617.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 607.29 Td (Stock-based compensation) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 606.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 606.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 315.50 606.79 Td (6,799) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 606.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 606.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 606.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 541.50 606.79 Td (6,799) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 596.29 Td (Conversion of Series A preferred stock to) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 590.29 Td (common stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 202.50 589.79 Td (\(49,976) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.00 589.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 261.50 589.79 Td (1,944) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 312.50 589.79 Td (48,032) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 589.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 589.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 589.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 549.00 589.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 579.29 Td (Conversion of Series C preferred stock to) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 573.29 Td (common stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 213.00 572.79 Td (\(23) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.00 572.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 572.79 Td (1) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 572.79 Td (22) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 572.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 572.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 572.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 549.00 572.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 562.29 Td (Settlement of prepaid common stock purchase) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 556.29 Td (contracts) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 555.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 261.50 555.79 Td (5,870) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 310.50 555.79 Td (\(14,212) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 329.00 555.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 369.50 555.79 Td (8,342) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 555.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 555.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 549.00 555.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 545.29 Td (Common stock issued for:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 534.29 Td (Acquisitions) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 533.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 266.00 533.79 Td (648) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 312.50 533.79 Td (22,422) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 533.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 533.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 533.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 538.50 533.79 Td (23,070) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 523.29 Td (Exercise of stock options and warrants) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 522.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 266.00 522.79 Td (372) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 312.50 522.79 Td (13,613) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 367.50 522.79 Td (\(3,215) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 383.00 522.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 522.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 522.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 538.50 522.79 Td (10,770) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 512.29 Td (Restricted stock awards) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 511.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 266.00 511.79 Td (145) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 320.00 511.79 Td (182) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 511.79 Td (\(289) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 383.00 511.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 511.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 511.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 549.00 511.79 Td (38) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 501.29 Td (Employee stock purchase plan) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 500.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 500.79 Td (62) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 315.50 500.79 Td (2,397) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 500.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 500.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 500.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 541.50 500.79 Td (2,459) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 490.29 Td (Director compensation plan) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 489.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 489.79 Td (31) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 315.50 489.79 Td (1,482) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 489.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 489.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 489.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 541.50 489.79 Td (1,513) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 479.29 Td (Balance at December31, 2013) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 176.00 478.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 201.50 478.79 Td (126,477) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 230.00 478.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 258.50 478.79 Td (46,181) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 284.00 478.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.00 478.79 Td (1,117,032) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 338.00 478.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 367.50 478.79 Td (\(3,000) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 383.00 478.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 392.00 478.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 417.50 478.79 Td (676,935) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 446.00 478.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 479.50 478.79 Td (\(63,036) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 498.00 478.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.00 478.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 531.00 478.79 Td (1,900,589) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 468.29 Td (Net income) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 467.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 467.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 467.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 467.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 417.50 467.79 Td (151,398) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 467.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 535.50 467.79 Td (151,398) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 457.29 Td (Other comprehensive income, net of tax) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 456.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 456.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 456.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 456.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 456.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 481.50 456.79 Td (25,704) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 538.50 456.79 Td (25,704) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 446.29 Td (Cash dividends declared on common stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 445.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 445.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 445.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 445.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 418.50 445.79 Td (\(18,610) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 437.00 445.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 445.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 536.50 445.79 Td (\(18,610) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 555.00 445.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 435.29 Td (Dividends on preferred stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 434.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 434.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 323.00 434.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 434.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 434.79 Td (\(6,323) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 437.00 434.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 434.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 539.50 434.79 Td (\(6,323) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 555.00 434.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 424.29 Td (Stock-based compensation) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 423.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 423.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 315.50 423.79 Td (7,754) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 423.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 423.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 423.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 541.50 423.79 Td (7,754) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 413.29 Td (Conversion of Series C preferred stock to) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 407.29 Td (common stock) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 213.00 406.79 Td (\(10) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.00 406.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 406.79 Td (1) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 326.00 406.79 Td (9) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 406.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 406.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 406.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 549.00 406.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 396.29 Td (Common stock issued for:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 385.29 Td (Exercise of stock options and warrants) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 384.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 266.00 384.79 Td (538) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 315.50 384.79 Td (4,414) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 384.79 Td (\(313) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 383.00 384.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 384.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 384.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 541.50 384.79 Td (4,639) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 374.29 Td (Restricted stock awards) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 373.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 373.79 Td (76) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 320.00 373.79 Td (178) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 373.79 Td (\(236) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 383.00 373.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 373.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 373.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 549.00 373.79 Td (18) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 363.29 Td (Employee stock purchase plan) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 362.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 362.79 Td (65) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 315.50 362.79 Td (2,939) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 362.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 362.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 362.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 541.50 362.79 Td (3,004) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 352.29 Td (Director compensation plan) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 215.00 351.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 351.79 Td (20) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 315.50 351.79 Td (1,629) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 377.00 351.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 431.00 351.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.00 351.79 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 541.50 351.79 Td (1,649) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 341.29 Td (Balance at December31, 2014) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 176.00 340.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 201.50 340.79 Td (126,467) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 230.00 340.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 258.50 340.79 Td (46,881) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 284.00 340.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.00 340.79 Td (1,133,955) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 338.00 340.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 367.50 340.79 Td (\(3,549) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 383.00 340.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 392.00 340.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 417.50 340.79 Td (803,400) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 446.00 340.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 479.50 340.79 Td (\(37,332) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 498.00 340.79 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.00 340.79 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 531.00 340.79 Td (2,069,822) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 59.00 330.39 Td (Net income) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 329.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 329.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 323.00 329.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 329.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 417.50 329.79 Td (156,749) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 329.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 535.50 329.79 Td (156,749) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 59.00 319.39 Td (Other comprehensive loss, net of tax) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 318.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 318.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 323.00 318.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 318.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 318.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 479.50 318.79 Td (\(25,376) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 498.00 318.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 536.50 318.79 Td (\(25,376) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 555.00 318.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 308.39 Td (Cash dividends declared on common stock) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 307.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 307.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 323.00 307.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 307.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 418.50 307.79 Td (\(21,069) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 437.00 307.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 307.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 536.50 307.79 Td (\(21,069) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 555.00 307.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 297.39 Td (Dividends on preferred stock) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 296.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 296.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 323.00 296.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 296.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 418.50 296.79 Td (\(10,869) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 437.00 296.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 296.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 536.50 296.79 Td (\(10,869) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 555.00 296.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 286.39 Td (Stock-based compensation) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 285.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 285.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 315.50 285.79 Td (9,656) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 285.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 285.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 285.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 541.50 285.79 Td (9,656) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 275.39 Td (Issuance of Series D preferred stock) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 201.50 274.79 Td (125,000) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 274.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 313.50 274.79 Td (\(4,158) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 329.00 274.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 274.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 274.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 274.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 535.50 274.79 Td (120,842) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 264.39 Td (Conversion of Series C preferred stock to) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 258.39 Td (common stock) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 210.00 257.79 Td (\(180) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 221.00 257.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 272.00 257.79 Td (4) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 320.00 257.79 Td (176) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 257.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 257.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 257.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 549.00 257.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 247.39 Td (Common stock issued for:) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 59.00 236.39 Td (Acquisitions) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 235.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 266.00 235.79 Td (811) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 312.50 235.79 Td (37,912) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 235.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 235.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 235.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 538.50 235.79 Td (38,723) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 59.00 225.39 Td (Exercise of stock options and warrants) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 224.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 266.00 224.79 Td (587) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 315.50 224.79 Td (9,149) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 372.00 224.79 Td (\(130) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 383.00 224.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 224.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 224.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 541.50 224.79 Td (9,606) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 59.00 214.39 Td (Restricted stock awards) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 213.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 266.00 213.79 Td (108) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 321.00 213.79 Td (\(57) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 329.00 213.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 372.00 213.79 Td (\(294) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 383.00 213.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 213.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 213.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 544.00 213.79 Td (\(243) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 555.00 213.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 59.00 203.39 Td (Employee stock purchase plan) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 202.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 202.79 Td (58) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 315.50 202.79 Td (2,692) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 202.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 202.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 202.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 541.50 202.79 Td (2,750) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 59.00 192.39 Td (Director compensation plan) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 215.00 191.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 269.00 191.79 Td (20) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 315.50 191.79 Td (1,663) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 377.00 191.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 431.00 191.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 492.00 191.79 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 541.50 191.79 Td (1,683) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 181.39 Td (Balance at December31, 2015) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 176.00 180.79 Td ($) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 201.50 180.79 Td (251,287) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 230.00 180.79 Td ($) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 258.50 180.79 Td (48,469) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 284.00 180.79 Td ($) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 305.00 180.79 Td (1,190,988) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 338.00 180.79 Td ($) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 367.50 180.79 Td (\(3,973) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 383.00 180.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 392.00 180.79 Td ($) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 417.50 180.79 Td (928,211) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 446.00 180.79 Td ($) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 479.50 180.79 Td (\(62,708) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 498.00 180.79 Td (\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 507.00 180.79 Td ($) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 531.00 180.79 Td (2,352,274) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 156.45 Td (See ) Tj ET Q q 0 0 0 rg BT 66.38 156.45 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 127.19 156.45 Td (Notes ) Tj ET Q q 0 0 0 rg BT 152.47 156.45 Td (to ) Tj ET Q q 0 0 0 rg BT 162.75 156.45 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 218.58 156.45 Td (Financial ) Tj ET Q q 0 0 0 rg BT 259.97 156.45 Td (Statements.) 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0.9333333333333333 1 rg /GS0 gs 410.50 419.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 419.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 419.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 419.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 401.75 284.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 401.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 401.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 401.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 401.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 401.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 401.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 383.75 284.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 383.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 383.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 383.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 383.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 383.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 383.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 365.75 284.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 365.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 365.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 365.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 365.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 365.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 365.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 347.75 284.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 347.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 347.75 72.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 347.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 347.75 72.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 347.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 347.75 72.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 327.75 284.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 327.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 327.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 327.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 327.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 327.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 327.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 309.75 284.00 -9.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 490.50 209.75 72.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 189.75 284.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 189.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 189.75 72.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 189.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 189.75 72.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 189.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 189.75 72.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 170.75 284.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 170.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 170.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 170.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 170.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 170.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 170.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 152.75 284.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 152.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 152.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 152.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 152.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 152.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 152.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 134.75 284.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 134.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 134.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 134.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 134.75 72.00 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0.9333333333333333 1 rg /GS0 gs 414.50 98.75 72.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 98.75 4.00 -9.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 98.75 72.00 -9.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 710.75 m 410.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 710.75 m 414.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 710.75 m 486.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 710.75 m 490.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 710.75 m 562.5 710.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 701.75 m 334.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 701.75 m 338.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 701.75 m 410.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 701.75 m 414.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 701.75 m 486.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 701.75 m 490.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 701.75 m 562.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 502.75 m 334.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 502.75 m 338.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 502.75 m 410.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 502.75 m 414.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 502.75 m 486.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 502.75 m 490.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 502.75 m 562.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 492.75 m 334.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 492.75 m 338.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 492.75 m 410.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 492.75 m 414.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 492.75 m 486.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 492.75 m 490.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 492.75 m 562.5 492.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 347.75 m 334.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 337.75 m 334.5 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 347.75 m 338.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 337.75 m 338.5 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 347.75 m 410.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 337.75 m 410.5 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 347.75 m 414.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 337.75 m 414.5 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 347.75 m 486.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 337.75 m 486.5 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 347.75 m 490.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 337.75 m 490.5 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 347.75 m 562.5 347.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 337.75 m 562.5 337.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 229.75 m 334.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 219.75 m 334.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 229.75 m 338.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 219.75 m 338.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 229.75 m 410.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 219.75 m 410.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 229.75 m 414.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 219.75 m 414.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 229.75 m 486.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 219.75 m 486.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 229.75 m 490.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 219.75 m 490.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 229.75 m 562.5 229.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 219.75 m 562.5 219.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 199.75 m 334.5 199.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 189.75 m 334.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 199.75 m 338.5 199.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 189.75 m 338.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 199.75 m 410.5 199.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 189.75 m 410.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 199.75 m 414.5 199.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 189.75 m 414.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 199.75 m 486.5 199.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 189.75 m 486.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 199.75 m 490.5 199.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 189.75 m 490.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 199.75 m 562.5 199.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 189.75 m 562.5 189.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 79.75 m 334.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 79.75 m 338.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 79.75 m 410.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 79.75 m 414.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 79.75 m 486.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 79.75 m 490.5 79.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 79.75 m 562.5 79.75 l s BT /F2 6.50 Tf ET q 0 0 0 rg BT 412.65 712.85 Td (Years Ended December31,) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 53.00 703.74 Td (\(In thousands\)) Tj ET Q BT /F2 6.50 Tf ET q 0 0 0 rg BT 367.50 703.85 Td (2015) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 443.50 703.74 Td (2014) Tj ET Q BT /F1 6.50 Tf ET q 0 0 0 rg BT 519.50 703.74 Td (2013) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 694.17 Td (Operating Activities:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 53.00 684.10 Td (Net income) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 341.00 684.22 Td ($) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 684.22 Td (156,749) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 417.00 684.10 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 684.10 Td (151,398) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 493.00 684.10 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 684.10 Td (137,210) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 53.00 675.10 Td (Adjustments to reconcile net income to net cash provided by operating activities) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 666.10 Td (Provision for credit losses) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 666.22 Td (32,942) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 666.10 Td (20,537) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 666.10 Td (46,033) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 657.10 Td (Depreciation and amortization) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 657.22 Td (36,671) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 657.10 Td (32,117) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 657.10 Td (26,180) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 648.10 Td (Deferred income tax expense) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 648.22 Td (23,054) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 466.60 648.10 Td (4,125) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 542.60 648.10 Td (1,539) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 639.10 Td (Stock-based compensation expense) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 390.60 639.22 Td (9,656) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 466.60 639.10 Td (7,754) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 542.60 639.10 Td (6,799) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 630.10 Td (Excess tax benefits from stock-based compensation arrangements) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 393.75 630.22 Td (\(744) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 630.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 469.75 630.10 Td (\(444) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 630.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 545.75 630.10 Td (\(474) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 630.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 621.10 Td (Net amortization of premium on securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 390.60 621.22 Td (3,398) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 466.60 621.10 Td (1,498) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 542.60 621.10 Td (2,934) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 612.10 Td (Accretion of discounts on loans) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 384.35 612.22 Td (\(34,378) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 612.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 612.10 Td (\(42,539) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 612.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 612.10 Td (\(34,273) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 612.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 603.10 Td (Mortgage servicing rights fair value change, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 393.75 603.22 Td (\(213) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 603.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 466.60 603.10 Td (1,428) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 540.10 603.10 Td (\(1,739) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 603.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 594.10 Td (Originations and purchases of mortgage loans held-for-sale) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 375.00 594.22 Td (\(3,903,777) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 594.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 451.00 594.10 Td (\(3,182,684) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 594.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 527.00 594.10 Td (\(3,708,364) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 594.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 585.10 Td (Proceeds from sales of mortgage loans held-for-sale) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 377.50 585.22 Td (3,971,724) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 453.50 585.10 Td (3,241,489) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 529.50 585.10 Td (3,862,030) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 576.10 Td (Bank owned life insurance income, net of claims) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 388.10 576.22 Td (\(3,146) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 576.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 464.10 576.10 Td (\(2,701) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 576.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 540.10 576.10 Td (\(3,446) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 576.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 567.10 Td (Decrease \(increase\) in trading securities, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 396.25 567.22 Td (758) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 469.75 567.10 Td (\(709) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 567.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 567.10 Td (86) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 558.10 Td (Net \(increase\) decrease in brokerage customer receivables) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 388.10 558.22 Td (\(3,410) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 558.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 466.60 558.10 Td (6,732) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 540.10 558.10 Td (\(6,089) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 558.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 549.10 Td (Gains on mortgage loans sold) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 380.60 549.22 Td (\(104,695) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 549.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 549.10 Td (\(75,768) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 549.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 549.10 Td (\(75,793) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 549.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 540.10 Td (\(Gains\) losses on available-for-sale securities, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 393.75 540.22 Td (\(323) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 540.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 472.25 540.10 Td (504) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 542.60 540.10 Td (3,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 531.10 Td (Loss on sales of premises and equipment, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 396.25 531.22 Td (807) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 472.25 531.10 Td (644) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 531.10 Td (23) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 522.10 Td (Net \(gains\) losses on sales and fair value adjustments of other real estate owned) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 393.75 522.22 Td (\(350) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 522.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 466.60 522.10 Td (3,735) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 548.25 522.10 Td (136) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 513.10 Td (\(Increase\) decrease in accrued interest receivable and other assets, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 380.60 513.22 Td (\(147,063) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 513.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 513.10 Td (77,409) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 513.10 Td (53,166) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 504.10 Td (Decrease in accrued interest payable and other liabilities, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 396.25 504.22 Td (292) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 504.10 Td (\(38,902) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 504.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 504.10 Td (\(21,749) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 504.10 Td (\)) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 495.17 Td (Net Cash Provided by Operating Activities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 495.17 Td (37,952) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 495.05 Td (205,623) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 495.05 Td (287,209) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 485.17 Td (Investing Activities:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 475.10 Td (Proceeds from maturities of available-for-sale securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 475.22 Td (506,798) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 475.10 Td (431,347) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 475.10 Td (295,807) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 466.10 Td (Proceeds from maturities of held-to-maturity securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 400.00 466.22 Td (55) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 466.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 466.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 457.10 Td (Proceeds from sales of available-for-sale securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 377.50 457.22 Td (1,515,559) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 457.10 Td (852,330) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 457.10 Td (138,274) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 448.10 Td (Proceeds from calls of held-to-maturity securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 396.25 448.22 Td (770) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 448.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 448.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 439.10 Td (Purchases of available-for-sale securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 375.00 439.22 Td (\(2,092,652) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 439.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 451.00 439.10 Td (\(1,597,587) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 439.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 532.60 439.10 Td (\(489,131) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 439.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 430.10 Td (Purchases of held-to-maturity securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 384.35 430.22 Td (\(22,892) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 430.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 430.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 430.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 421.10 Td (\(Purchase\) redemption of Federal Home Loan Bank and Federal Reserve Bank stock, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 388.10 421.22 Td (\(9,999) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 421.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 421.10 Td (\(12,321) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 421.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 548.25 421.10 Td (303) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 412.10 Td (Net cash \(paid\) received for acquisitions) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 384.35 412.22 Td (\(15,428) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 412.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 412.10 Td (228,946) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 412.10 Td (\(14,491) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 412.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 403.10 Td (Divestiture of operations) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 400.00 403.22 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 403.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 532.60 403.10 Td (\(149,100) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 403.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 394.10 Td (Proceeds from sales of other real estate owned) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 394.22 Td (50,405) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 394.10 Td (92,620) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 394.10 Td (100,162) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 385.10 Td (Proceeds received from the FDIC related to reimbursements on covered assets) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 390.60 385.22 Td (1,859) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 385.10 Td (19,999) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 385.10 Td (53,443) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 376.10 Td (Net decrease \(increase\) in interest-bearing deposits with banks) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 376.22 Td (531,396) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 456.60 376.10 Td (\(502,863) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 376.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 376.10 Td (643,626) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 367.10 Td (Net increase in loans) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 375.00 367.22 Td (\(2,066,666) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 367.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 451.00 367.10 Td (\(1,311,927) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 367.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 532.60 367.10 Td (\(747,420) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 367.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 358.10 Td (Redemption of bank owned life insurance) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 390.60 358.22 Td (2,701) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 358.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 358.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 349.10 Td (Purchases of premises and equipment, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 384.35 349.22 Td (\(43,459) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 349.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 349.10 Td (\(38,136) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 349.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 349.10 Td (\(37,694) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 349.10 Td (\)) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 340.17 Td (Net Cash Used for Investing Activities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 375.00 340.17 Td (\(1,641,553) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 340.17 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 451.00 340.05 Td (\(1,837,592) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 340.05 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 532.60 340.05 Td (\(206,221) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 340.05 Td (\)) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 330.17 Td (Financing Activities:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 320.10 Td (Increase \(decrease\) in deposit accounts) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 377.50 320.22 Td (1,381,425) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 453.50 320.10 Td (1,217,396) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 320.10 Td (\(78,946) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 320.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 311.10 Td (Increase \(decrease\) in other borrowings, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 311.22 Td (44,685) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 311.10 Td (\(58,639) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 311.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 311.10 Td (\(22,396) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 311.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 302.10 Td (Increase \(decrease\) in Federal Home Loan Bank advances, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 302.22 Td (115,186) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 302.10 Td (315,550) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 302.10 Td (\(18,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 302.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 293.10 Td (Proceeds from the issuance of subordinated notes, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 400.00 293.22 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 293.10 Td (139,090) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 293.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 284.10 Td (Repayment of subordinated notes) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 400.00 284.22 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 284.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 284.10 Td (\(15,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 284.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 275.10 Td (Excess tax benefits from stock-based compensation arrangements) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 396.25 275.22 Td (744) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 472.25 275.10 Td (444) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 548.25 275.10 Td (474) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 266.10 Td (Net proceeds from issuance of Series D preferred stock) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 266.22 Td (120,842) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 266.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 266.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 257.05 Td (Issuance of common shares resulting from exercise of stock options, employee stock) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 249.60 Td (purchase plan and conversion of common stock warrants) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 251.87 Td (16,119) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 251.90 Td (10,453) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 251.90 Td (19,113) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 240.10 Td (Common stock repurchases) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 393.75 240.22 Td (\(424) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 240.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 469.75 240.10 Td (\(549) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 240.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 540.10 240.10 Td (\(3,504) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 240.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 231.10 Td (Dividends paid) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 384.35 231.22 Td (\(29,888) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 407.50 231.22 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 231.10 Td (\(24,933) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 231.10 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 231.10 Td (\(13,893) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 231.10 Td (\)) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 222.17 Td (Net Cash Provided by \(Used for\) Financing Activities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 377.50 222.17 Td (1,648,689) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 453.50 222.05 Td (1,598,812) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 532.60 222.05 Td (\(132,152) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 222.05 Td (\)) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 212.17 Td (Net Increase \(Decrease\) in Cash and Cash Equivalents) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 212.17 Td (45,088) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.35 212.05 Td (\(33,157) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 483.50 212.05 Td (\)) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 536.35 212.05 Td (\(51,164) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 559.50 212.05 Td (\)) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 202.17 Td (Cash and Cash Equivalents at Beginning of Period) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 202.17 Td (230,707) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 202.05 Td (263,864) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 202.05 Td (315,028) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 192.17 Td (Cash and Cash Equivalents at End of Period) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 341.00 192.17 Td ($) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 192.17 Td (275,795) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 417.00 192.05 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 192.05 Td (230,707) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 493.00 192.05 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 192.05 Td (263,864) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 53.00 182.17 Td (Supplemental Disclosure of Cash Flow Information:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 172.10 Td (Cash paid during the year for:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 163.10 Td (Interest) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 341.00 163.22 Td ($) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 163.22 Td (77,737) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 417.00 163.10 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 163.10 Td (73,334) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 493.00 163.10 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 163.10 Td (83,395) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 154.10 Td (Income taxes, net) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 154.22 Td (94,723) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 154.10 Td (72,575) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 154.10 Td (97,703) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 145.10 Td (Acquisitions:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 136.10 Td (Fair value of assets acquired, including cash and cash equivalents) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 377.50 136.22 Td (1,187,115) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 136.10 Td (475,398) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 136.10 Td (559,694) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 127.10 Td (Value ascribed to goodwill and other intangible assets) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 127.22 Td (79,879) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 127.10 Td (37,526) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 127.10 Td (35,056) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 118.10 Td (Fair value of liabilities assumed) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 377.50 118.22 Td (1,033,219) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 459.10 118.10 Td (405,801) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 535.10 118.10 Td (511,603) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 59.00 109.10 Td (Non-cash activities) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 100.10 Td (Transfer of available-for-sale securities to held-to-maturity securities) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 383.10 100.22 Td (862,712) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 100.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 552.00 100.10 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 91.10 Td (Transfer to other real estate owned from loans) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 91.22 Td (28,565) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 462.85 91.10 Td (52,102) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 91.10 Td (81,526) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 71.00 82.05 Td (Common stock issued for acquisitions) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 386.85 82.17 Td (38,723) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 476.00 82.05 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 538.85 82.05 Td (23,070) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 68.25 Td (See accompanying Notes to Consolidated Financial Statements.) Tj ET Q endstream endobj 207 0 obj <> endobj 208 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (103) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (\(1\) Summary of Significant ) Tj ET Q q 0 0 0 rg BT 167.78 742.25 Td (Accounting Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.15 721.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 116.63 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 134.67 721.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 174.93 721.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 209.64 721.25 Td (of ) Tj ET Q q 0 0 0 rg BT 221.32 721.25 Td (W) Tj ET Q q 0 0 0 rg BT 230.35 721.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 259.52 721.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 300.33 721.25 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 352.26 721.25 Td (\("W) Tj ET Q q 0 0 0 rg BT 368.71 721.25 Td (intrust" ) Tj ET Q q 0 0 0 rg BT 401.96 721.25 Td (or ) Tj ET Q q 0 0 0 rg BT 413.89 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 429.71 721.25 Td ("Company"\) ) Tj ET Q q 0 0 0 rg BT 483.70 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 501.74 721.25 Td (its ) Tj ET Q q 0 0 0 rg BT 514.80 721.25 Td (subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 86.40 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 96.69 709.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 136.41 709.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 173.90 709.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 220.29 709.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 262.25 709.25 Td (in ) Tj ET Q q 0 0 0 rg BT 272.54 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 287.28 709.25 Td (United ) Tj ET Q q 0 0 0 rg BT 317.01 709.25 Td (States ) Tj ET Q q 0 0 0 rg BT 343.42 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 360.38 709.25 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 403.44 709.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 441.49 709.25 Td (of ) Tj ET Q q 0 0 0 rg BT 452.33 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 467.07 709.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 501.81 709.25 Td (industry) Tj ET Q q 0 0 0 rg BT 533.93 709.25 Td (. ) Tj ET Q q 0 0 0 rg BT 538.95 709.25 Td (In ) Tj ET Q q 0 0 0 rg BT 549.80 709.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (preparation ) Tj ET Q q 0 0 0 rg BT 97.36 697.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.53 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.58 697.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 173.95 697.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 210.76 697.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 257.31 697.25 Td (management ) Tj ET Q q 0 0 0 rg BT 310.23 697.25 Td (is ) Tj ET Q q 0 0 0 rg BT 318.73 697.25 Td (required ) Tj ET Q q 0 0 0 rg BT 353.88 697.25 Td (to ) Tj ET Q q 0 0 0 rg BT 363.49 697.25 Td (make ) Tj ET Q q 0 0 0 rg BT 386.98 697.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 416.01 697.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 455.06 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 471.33 697.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 522.61 697.25 Td (that ) Tj ET Q q 0 0 0 rg BT 539.44 697.25 Td (af) Tj ET Q q 0 0 0 rg BT 547.03 697.25 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 66.23 685.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 103.56 685.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 141.46 685.25 Td (contained ) Tj ET Q q 0 0 0 rg BT 184.35 685.25 Td (in ) Tj ET Q q 0 0 0 rg BT 196.15 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.38 685.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 266.93 685.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 305.93 685.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 354.66 685.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 410.87 685.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 447.65 685.25 Td (that ) Tj ET Q q 0 0 0 rg BT 466.66 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 482.90 685.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 524.12 685.25 Td (made ) Tj ET Q q 0 0 0 rg BT 549.79 685.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (reasonable; ) Tj ET Q q 0 0 0 rg BT 99.65 673.25 Td (however) Tj ET Q q 0 0 0 rg BT 133.68 673.25 Td (, ) Tj ET Q q 0 0 0 rg BT 140.29 673.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 176.61 673.25 Td (in ) Tj ET Q q 0 0 0 rg BT 188.51 673.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 229.84 673.25 Td (may ) Tj ET Q q 0 0 0 rg BT 251.17 673.25 Td (be ) Tj ET Q q 0 0 0 rg BT 264.72 673.25 Td (required ) Tj ET Q q 0 0 0 rg BT 302.15 673.25 Td (if ) Tj ET Q q 0 0 0 rg BT 312.38 673.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 355.37 673.25 Td (or ) Tj ET Q q 0 0 0 rg BT 367.81 673.25 Td (other ) Tj ET Q q 0 0 0 rg BT 392.47 673.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 438.26 673.25 Td (change ) Tj ET Q q 0 0 0 rg BT 470.69 673.25 Td (beyond ) Tj ET Q q 0 0 0 rg BT 504.24 673.25 Td (management) Tj ET Q q 0 0 0 rg BT 558.11 673.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (expectations. ) Tj ET Q q 0 0 0 rg BT 105.56 661.25 Td (Reclassifications ) Tj ET Q q 0 0 0 rg BT 176.41 661.25 Td (of ) Tj ET Q q 0 0 0 rg BT 187.82 661.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 218.11 661.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 240.63 661.25 Td (year ) Tj ET Q q 0 0 0 rg BT 260.92 661.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 297.89 661.25 Td (have ) Tj ET Q q 0 0 0 rg BT 319.85 661.25 Td (been ) Tj ET Q q 0 0 0 rg BT 341.81 661.25 Td (made ) Tj ET Q q 0 0 0 rg BT 366.55 661.25 Td (to ) Tj ET Q q 0 0 0 rg BT 377.41 661.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 414.37 661.25 Td (to ) Tj ET Q q 0 0 0 rg BT 425.23 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.53 661.25 Td (current ) Tj ET Q q 0 0 0 rg BT 471.93 661.25 Td (year ) Tj ET Q q 0 0 0 rg BT 492.22 661.25 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 546.45 661.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (following ) Tj ET Q q 0 0 0 rg BT 91.39 649.25 Td (is ) Tj ET Q q 0 0 0 rg BT 100.56 649.25 Td (a ) Tj ET Q q 0 0 0 rg BT 107.50 649.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 147.21 649.25 Td (of ) Tj ET Q q 0 0 0 rg BT 158.04 649.25 Td (the ) Tj ET Q q 0 0 0 rg BT 172.76 649.25 Td (Company) Tj ET Q q 0 0 0 rg BT 214.42 649.25 Td (s ) Tj ET Q q 0 0 0 rg BT 220.82 649.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 265.53 649.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 311.90 649.25 Td (policies.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (Principles of Consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.44 607.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 123.87 607.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 162.75 607.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 208.85 607.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.79 607.25 Td (W) Tj ET Q q 0 0 0 rg BT 229.83 607.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 259.28 607.25 Td (include ) Tj ET Q q 0 0 0 rg BT 292.60 607.25 Td (the ) Tj ET Q q 0 0 0 rg BT 308.71 607.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 347.59 607.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.81 607.25 Td (the ) Tj ET Q q 0 0 0 rg BT 375.92 607.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 418.70 607.25 Td (and ) Tj ET Q q 0 0 0 rg BT 437.03 607.25 Td (its ) Tj ET Q q 0 0 0 rg BT 450.37 607.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 503.12 607.25 Td (All ) Tj ET Q q 0 0 0 rg BT 519.79 607.25 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (intercompany ) Tj ET Q q 0 0 0 rg BT 107.48 595.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 144.97 595.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.90 595.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 212.17 595.25 Td (have ) Tj ET Q q 0 0 0 rg BT 233.54 595.25 Td (been ) Tj ET Q q 0 0 0 rg BT 254.92 595.25 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 299.63 595.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.91 595.25 Td (the ) Tj ET Q q 0 0 0 rg BT 324.62 595.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 377.67 595.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 415.15 595.25 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Earnings per Shar) Tj ET Q q 0 0 0 rg BT 123.52 574.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.25 Td (Basic ) Tj ET Q q 0 0 0 rg BT 74.66 553.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 110.99 553.25 Td (per ) Tj ET Q q 0 0 0 rg BT 126.21 553.25 Td (share ) Tj ET Q q 0 0 0 rg BT 149.75 553.25 Td (is ) Tj ET Q q 0 0 0 rg BT 158.87 553.25 Td (computed ) Tj ET Q q 0 0 0 rg BT 200.75 553.25 Td (by ) Tj ET Q q 0 0 0 rg BT 213.20 553.25 Td (dividing ) Tj ET Q q 0 0 0 rg BT 248.98 553.25 Td (income ) Tj ET Q q 0 0 0 rg BT 280.86 553.25 Td (available ) Tj ET Q q 0 0 0 rg BT 319.40 553.25 Td (to ) Tj ET Q q 0 0 0 rg BT 329.63 553.25 Td (common ) Tj ET Q q 0 0 0 rg BT 367.07 553.25 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 420.05 553.25 Td (by ) Tj ET Q q 0 0 0 rg BT 432.50 553.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.17 553.25 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 520.68 553.25 Td (number ) Tj ET Q q 0 0 0 rg BT 553.68 553.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.25 Td (common ) Tj ET Q q 0 0 0 rg BT 87.32 541.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 114.64 541.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 163.63 541.25 Td (for ) Tj ET Q q 0 0 0 rg BT 177.62 541.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.16 541.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 222.53 541.25 Td (Diluted ) Tj ET Q q 0 0 0 rg BT 254.86 541.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 291.06 541.25 Td (per ) Tj ET Q q 0 0 0 rg BT 306.15 541.25 Td (share ) Tj ET Q q 0 0 0 rg BT 329.58 541.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 361.33 541.25 Td (the ) Tj ET Q q 0 0 0 rg BT 375.87 541.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 413.19 541.25 Td (dilution ) Tj ET Q q 0 0 0 rg BT 446.63 541.25 Td (that ) Tj ET Q q 0 0 0 rg BT 463.95 541.25 Td (would ) Tj ET Q q 0 0 0 rg BT 491.28 541.25 Td (occur ) Tj ET Q q 0 0 0 rg BT 515.81 541.25 Td (if ) Tj ET Q q 0 0 0 rg BT 524.25 541.25 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.80 529.25 Td (other ) Tj ET Q q 0 0 0 rg BT 83.81 529.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 122.38 529.25 Td (to ) Tj ET Q q 0 0 0 rg BT 132.62 529.25 Td (issue ) Tj ET Q q 0 0 0 rg BT 155.09 529.25 Td (common ) Tj ET Q q 0 0 0 rg BT 192.55 529.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 216.13 529.25 Td (were ) Tj ET Q q 0 0 0 rg BT 238.03 529.25 Td (exercised ) Tj ET Q q 0 0 0 rg BT 278.25 529.25 Td (or ) Tj ET Q q 0 0 0 rg BT 289.05 529.25 Td (converted ) Tj ET Q q 0 0 0 rg BT 330.94 529.25 Td (into ) Tj ET Q q 0 0 0 rg BT 348.96 529.25 Td (common ) Tj ET Q q 0 0 0 rg BT 386.43 529.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 410.00 529.25 Td (or ) Tj ET Q q 0 0 0 rg BT 420.80 529.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 454.93 529.25 Td (in ) Tj ET Q q 0 0 0 rg BT 465.17 529.25 Td (the ) Tj ET Q q 0 0 0 rg BT 479.86 529.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 516.20 529.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.00 529.25 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 73.39 517.25 Td (that ) Tj ET Q q 0 0 0 rg BT 90.66 517.25 Td (then ) Tj ET Q q 0 0 0 rg BT 110.16 517.25 Td (shared ) Tj ET Q q 0 0 0 rg BT 138.54 517.25 Td (in ) Tj ET Q q 0 0 0 rg BT 148.59 517.25 Td (the ) Tj ET Q q 0 0 0 rg BT 163.09 517.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 199.25 517.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.86 517.25 Td (the ) Tj ET Q q 0 0 0 rg BT 224.35 517.25 Td (Company) Tj ET Q q 0 0 0 rg BT 262.59 517.25 Td (. ) Tj ET Q q 0 0 0 rg BT 267.20 517.25 Td (The ) Tj ET Q q 0 0 0 rg BT 285.03 517.25 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 358.38 517.25 Td (number ) Tj ET Q q 0 0 0 rg BT 391.20 517.25 Td (of ) Tj ET Q q 0 0 0 rg BT 401.81 517.25 Td (common ) Tj ET Q q 0 0 0 rg BT 439.09 517.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 466.36 517.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 515.30 517.25 Td (is ) Tj ET Q q 0 0 0 rg BT 524.25 517.25 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.74 505.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.70 505.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 114.88 505.25 Td (conversion ) Tj ET Q q 0 0 0 rg BT 161.50 505.25 Td (of ) Tj ET Q q 0 0 0 rg BT 172.58 505.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 221.99 505.25 Td (convertible ) Tj ET Q q 0 0 0 rg BT 269.71 505.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 309.09 505.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 332.94 505.25 Td (and ) Tj ET Q q 0 0 0 rg BT 350.12 505.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 385.08 505.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 412.82 505.25 Td (unit ) Tj ET Q q 0 0 0 rg BT 431.12 505.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 458.85 505.25 Td (from ) Tj ET Q q 0 0 0 rg BT 481.03 505.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.99 505.25 Td (beginning ) Tj ET Q q 0 0 0 rg BT 538.73 505.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 505.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.25 Td (year ) Tj ET Q q 0 0 0 rg BT 69.71 493.25 Td (or ) Tj ET Q q 0 0 0 rg BT 80.54 493.25 Td (date ) Tj ET Q q 0 0 0 rg BT 99.70 493.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.53 493.25 Td (issuance, ) Tj ET Q q 0 0 0 rg BT 149.41 493.25 Td (if ) Tj ET Q q 0 0 0 rg BT 158.02 493.25 Td (later) Tj ET Q q 0 0 0 rg BT 175.39 493.25 Td (, ) Tj ET Q q 0 0 0 rg BT 180.39 493.25 Td (and ) Tj ET Q q 0 0 0 rg BT 197.33 493.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.05 493.25 Td (number ) Tj ET Q q 0 0 0 rg BT 245.10 493.25 Td (of ) Tj ET Q q 0 0 0 rg BT 255.93 493.25 Td (common ) Tj ET Q q 0 0 0 rg BT 293.43 493.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 320.92 493.25 Td (that ) Tj ET Q q 0 0 0 rg BT 338.42 493.25 Td (would ) Tj ET Q q 0 0 0 rg BT 365.92 493.25 Td (be ) Tj ET Q q 0 0 0 rg BT 377.86 493.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 405.36 493.25 Td (assuming ) Tj ET Q q 0 0 0 rg BT 445.64 493.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.36 493.25 Td (exercise ) Tj ET Q q 0 0 0 rg BT 495.62 493.25 Td (of ) Tj ET Q q 0 0 0 rg BT 506.45 493.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 530.06 493.25 Td (options, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.25 481.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 102.16 481.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.52 481.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 153.75 481.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 181.78 481.25 Td (and ) Tj ET Q q 0 0 0 rg BT 199.25 481.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 223.39 481.25 Td (warrants ) Tj ET Q q 0 0 0 rg BT 260.85 481.25 Td (using ) Tj ET Q q 0 0 0 rg BT 285.55 481.25 Td (the ) Tj ET Q q 0 0 0 rg BT 300.80 481.25 Td (treasury ) Tj ET Q q 0 0 0 rg BT 336.04 481.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 360.18 481.25 Td (method. ) Tj ET Q q 0 0 0 rg BT 395.49 481.25 Td (The ) Tj ET Q q 0 0 0 rg BT 414.07 481.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 464.87 481.25 Td (to ) Tj ET Q q 0 0 0 rg BT 475.68 481.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.93 481.25 Td (weighted-average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (common ) Tj ET Q q 0 0 0 rg BT 87.07 469.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 114.14 469.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 162.89 469.25 Td (are ) Tj ET Q q 0 0 0 rg BT 177.17 469.25 Td (only ) Tj ET Q q 0 0 0 rg BT 197.03 469.25 Td (made ) Tj ET Q q 0 0 0 rg BT 220.77 469.25 Td (when ) Tj ET Q q 0 0 0 rg BT 244.50 469.25 Td (such ) Tj ET Q q 0 0 0 rg BT 264.91 469.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 314.77 469.25 Td (will ) Tj ET Q q 0 0 0 rg BT 332.40 469.25 Td (dilute ) Tj ET Q q 0 0 0 rg BT 357.25 469.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 393.21 469.25 Td (per ) Tj ET Q q 0 0 0 rg BT 408.06 469.25 Td (common ) Tj ET Q q 0 0 0 rg BT 445.13 469.25 Td (share. ) Tj ET Q q 0 0 0 rg BT 470.81 469.25 Td ( ) Tj ET Q q 0 0 0 rg BT 472.89 469.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 489.41 469.25 Td (income ) Tj ET Q q 0 0 0 rg BT 520.92 469.25 Td (applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.95 457.25 Td (common ) Tj ET Q q 0 0 0 rg BT 97.11 457.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 124.27 457.25 Td (used ) Tj ET Q q 0 0 0 rg BT 144.77 457.25 Td (in ) Tj ET Q q 0 0 0 rg BT 154.71 457.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.10 457.25 Td (diluted ) Tj ET Q q 0 0 0 rg BT 199.04 457.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 235.08 457.25 Td (per ) Tj ET Q q 0 0 0 rg BT 250.02 457.25 Td (share ) Tj ET Q q 0 0 0 rg BT 273.29 457.25 Td (calculation ) Tj ET Q q 0 0 0 rg BT 319.32 457.25 Td (can ) Tj ET Q q 0 0 0 rg BT 335.37 457.25 Td (be ) Tj ET Q q 0 0 0 rg BT 346.97 457.25 Td (af) Tj ET Q q 0 0 0 rg BT 354.56 457.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 381.15 457.25 Td (by ) Tj ET Q q 0 0 0 rg BT 393.32 457.25 Td (the ) Tj ET Q q 0 0 0 rg BT 407.71 457.25 Td (conversion ) Tj ET Q q 0 0 0 rg BT 453.75 457.25 Td (of ) Tj ET Q q 0 0 0 rg BT 464.25 457.25 Td (the ) Tj ET Q q 0 0 0 rg BT 478.63 457.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 525.38 457.25 Td (preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (stock. ) Tj ET Q q 0 0 0 rg BT 75.67 445.25 Td ( ) Tj ET Q q 0 0 0 rg BT 77.58 445.25 Td (Where ) Tj ET Q q 0 0 0 rg BT 106.29 445.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.56 445.25 Td (ef) Tj ET Q q 0 0 0 rg BT 128.15 445.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 145.20 445.25 Td (of ) Tj ET Q q 0 0 0 rg BT 155.59 445.25 Td (this ) Tj ET Q q 0 0 0 rg BT 172.10 445.25 Td (conversion ) Tj ET Q q 0 0 0 rg BT 218.03 445.25 Td (would ) Tj ET Q q 0 0 0 rg BT 245.10 445.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 273.80 445.25 Td (the ) Tj ET Q q 0 0 0 rg BT 288.08 445.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 305.70 445.25 Td (per ) Tj ET Q q 0 0 0 rg BT 320.53 445.25 Td (share ) Tj ET Q q 0 0 0 rg BT 343.69 445.25 Td (or ) Tj ET Q q 0 0 0 rg BT 354.08 445.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 388.89 445.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.17 445.25 Td (income ) Tj ET Q q 0 0 0 rg BT 434.67 445.25 Td (per ) Tj ET Q q 0 0 0 rg BT 449.49 445.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 475.15 445.25 Td (net ) Tj ET Q q 0 0 0 rg BT 489.43 445.25 Td (income ) Tj ET Q q 0 0 0 rg BT 520.93 445.25 Td (applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 433.25 Td (common ) Tj ET Q q 0 0 0 rg BT 97.77 433.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 125.26 433.25 Td (is ) Tj ET Q q 0 0 0 rg BT 134.43 433.25 Td (not ) Tj ET Q q 0 0 0 rg BT 149.71 433.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 185.54 433.25 Td (by ) Tj ET Q q 0 0 0 rg BT 198.04 433.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.75 433.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 256.35 433.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 295.48 433.25 Td (dividends.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 412.25 Td (Business Combinations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.01 391.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 111.36 391.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 149.80 391.25 Td (for ) Tj ET Q q 0 0 0 rg BT 164.93 391.25 Td (business ) Tj ET Q q 0 0 0 rg BT 202.28 391.25 Td (combinations ) Tj ET Q q 0 0 0 rg BT 259.62 391.25 Td (under ) Tj ET Q q 0 0 0 rg BT 285.85 391.25 Td (the ) Tj ET Q q 0 0 0 rg BT 301.53 391.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 348.88 391.25 Td (method ) Tj ET Q q 0 0 0 rg BT 382.33 391.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.13 391.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 441.46 391.25 Td (in ) Tj ET Q q 0 0 0 rg BT 452.70 391.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 501.12 391.25 Td (with ) Tj ET Q q 0 0 0 rg BT 521.60 391.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 544.51 391.25 Td (805, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 92.96 379.25 Td (Combinations ) Tj ET Q q 0 0 0 rg BT 156.47 379.25 Td (\(ASC ) Tj ET Q q 0 0 0 rg BT 186.65 379.25 Td (805\). ) Tj ET Q q 0 0 0 rg BT 214.66 379.25 Td (The ) Tj ET Q q 0 0 0 rg BT 233.17 379.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 275.02 379.25 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 320.73 379.25 Td (the ) Tj ET Q q 0 0 0 rg BT 335.90 379.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 352.74 379.25 Td (value ) Tj ET Q q 0 0 0 rg BT 377.35 379.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.64 379.25 Td (the ) Tj ET Q q 0 0 0 rg BT 403.82 379.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 430.11 379.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 467.49 379.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.89 379.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 525.06 379.25 Td (assumed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 102.68 367.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 141.47 367.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 188.04 367.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 210.73 367.25 Td (and ) Tj ET Q q 0 0 0 rg BT 227.87 367.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 265.55 367.25 Td (for ) Tj ET Q q 0 0 0 rg BT 279.90 367.25 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 333.69 367.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 357.49 367.25 Td (separately ) Tj ET Q q 0 0 0 rg BT 400.72 367.25 Td (from ) Tj ET Q q 0 0 0 rg BT 422.85 367.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.76 367.25 Td (business ) Tj ET Q q 0 0 0 rg BT 474.35 367.25 Td (combination. ) Tj ET Q q 0 0 0 rg BT 529.34 367.25 Td (There ) Tj ET Q q 0 0 0 rg BT 555.35 367.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.25 Td (no ) Tj ET Q q 0 0 0 rg BT 63.40 355.25 Td (separate ) Tj ET Q q 0 0 0 rg BT 99.56 355.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 148.50 355.25 Td (of ) Tj ET Q q 0 0 0 rg BT 160.24 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 175.85 355.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 213.68 355.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 257.62 355.25 Td (for ) Tj ET Q q 0 0 0 rg BT 272.68 355.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 293.30 355.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 320.59 355.25 Td (on ) Tj ET Q q 0 0 0 rg BT 333.99 355.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.61 355.25 Td (acquirer) Tj ET Q q 0 0 0 rg BT 382.74 355.25 Td () Tj ET Q q 0 0 0 rg BT 385.52 355.25 Td (s ) Tj ET Q q 0 0 0 rg BT 392.81 355.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 426.74 355.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 450.69 355.25 Td (as ) Tj ET Q q 0 0 0 rg BT 462.43 355.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 488.59 355.25 Td (related ) Tj ET Q q 0 0 0 rg BT 519.20 355.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 549.81 355.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 102.72 343.25 Td (directly ) Tj ET Q q 0 0 0 rg BT 135.45 343.25 Td (into ) Tj ET Q q 0 0 0 rg BT 153.20 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 167.61 343.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 183.67 343.25 Td (value ) Tj ET Q q 0 0 0 rg BT 207.52 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.04 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 232.45 343.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 255.74 343.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 292.91 343.25 Td (at ) Tj ET Q q 0 0 0 rg BT 302.32 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.72 343.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 362.80 343.25 Td (date. ) Tj ET Q q 0 0 0 rg BT 383.98 343.25 Td (The ) Tj ET Q q 0 0 0 rg BT 401.72 343.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 430.01 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 440.53 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.93 343.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 473.23 343.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.75 343.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.16 343.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 544.23 343.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.71 331.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 81.07 331.25 Td (value ) Tj ET Q q 0 0 0 rg BT 105.22 331.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.04 331.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.74 331.25 Td (net ) Tj ET Q q 0 0 0 rg BT 145.45 331.25 Td (tangible ) Tj ET Q q 0 0 0 rg BT 180.15 331.25 Td (and ) Tj ET Q q 0 0 0 rg BT 197.08 331.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 239.56 331.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 265.38 331.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 302.29 331.25 Td (is ) Tj ET Q q 0 0 0 rg BT 311.45 331.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 348.91 331.25 Td (as ) Tj ET Q q 0 0 0 rg BT 359.73 331.25 Td (goodwill. ) Tj ET Q q 0 0 0 rg BT 399.73 331.25 Td (Alternatively) Tj ET Q q 0 0 0 rg BT 451.84 331.25 Td (, ) Tj ET Q q 0 0 0 rg BT 456.83 331.25 Td (a ) Tj ET Q q 0 0 0 rg BT 463.75 331.25 Td (gain ) Tj ET Q q 0 0 0 rg BT 483.46 331.25 Td (is ) Tj ET Q q 0 0 0 rg BT 492.62 331.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 530.08 331.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 554.23 331.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 319.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 97.21 319.25 Td (by ) Tj ET Q q 0 0 0 rg BT 109.71 319.25 Td (which ) Tj ET Q q 0 0 0 rg BT 136.65 319.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.37 319.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 167.74 319.25 Td (value ) Tj ET Q q 0 0 0 rg BT 191.90 319.25 Td (of ) Tj ET Q q 0 0 0 rg BT 202.73 319.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 228.56 319.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 271.60 319.25 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 305.74 319.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.46 319.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 336.84 319.25 Td (value ) Tj ET Q q 0 0 0 rg BT 360.99 319.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.82 319.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 411.54 319.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 448.48 319.25 Td (and ) Tj ET Q q 0 0 0 rg BT 465.42 319.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 521.79 319.25 Td (paid.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (Results ) Tj ET Q q 0 0 0 rg BT 81.95 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 92.78 298.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 136.93 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 147.76 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 162.48 298.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 199.40 298.25 Td (business ) Tj ET Q q 0 0 0 rg BT 235.80 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 250.50 298.25 Td (included ) Tj ET Q q 0 0 0 rg BT 287.44 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 297.71 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 312.43 298.25 Td (income ) Tj ET Q q 0 0 0 rg BT 344.37 298.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 385.19 298.25 Td (from ) Tj ET Q q 0 0 0 rg BT 407.12 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 421.84 298.25 Td (ef) Tj ET Q q 0 0 0 rg BT 429.43 298.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 459.13 298.25 Td (date ) Tj ET Q q 0 0 0 rg BT 478.29 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 489.12 298.25 Td (acquisition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 277.25 Td (Cash Equivalents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.25 Td (For ) Tj ET Q q 0 0 0 rg BT 65.73 256.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 103.13 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.30 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.35 256.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 179.74 256.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 223.79 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.96 256.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 253.57 256.25 Td (flows, ) Tj ET Q q 0 0 0 rg BT 280.00 256.25 Td (W) Tj ET Q q 0 0 0 rg BT 289.04 256.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 316.43 256.25 Td (considers ) Tj ET Q q 0 0 0 rg BT 356.04 256.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 375.65 256.25 Td (on ) Tj ET Q q 0 0 0 rg BT 387.49 256.25 Td (hand, ) Tj ET Q q 0 0 0 rg BT 411.27 256.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 430.88 256.25 Td (items ) Tj ET Q q 0 0 0 rg BT 454.39 256.25 Td (in ) Tj ET Q q 0 0 0 rg BT 464.01 256.25 Td (the ) Tj ET Q q 0 0 0 rg BT 478.07 256.25 Td (process ) Tj ET Q q 0 0 0 rg BT 509.90 256.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.07 256.25 Td (collection, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 99.96 244.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 132.15 244.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 168.24 244.25 Td (due ) Tj ET Q q 0 0 0 rg BT 184.88 244.25 Td (from ) Tj ET Q q 0 0 0 rg BT 206.52 244.25 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 265.37 244.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 293.40 244.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 323.35 244.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 347.77 244.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 366.65 244.25 Td (and ) Tj ET Q q 0 0 0 rg BT 383.29 244.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 423.25 244.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 465.99 244.25 Td (under ) Tj ET Q q 0 0 0 rg BT 490.96 244.25 Td (resale ) Tj ET Q q 0 0 0 rg BT 516.47 244.25 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 232.25 Td (original ) Tj ET Q q 0 0 0 rg BT 103.88 232.25 Td (maturities ) Tj ET Q q 0 0 0 rg BT 146.37 232.25 Td (of ) Tj ET Q q 0 0 0 rg BT 157.20 232.25 Td (three ) Tj ET Q q 0 0 0 rg BT 179.69 232.25 Td (months ) Tj ET Q q 0 0 0 rg BT 211.64 232.25 Td (or ) Tj ET Q q 0 0 0 rg BT 222.47 232.25 Td (less, ) Tj ET Q q 0 0 0 rg BT 242.47 232.25 Td (to ) Tj ET Q q 0 0 0 rg BT 252.74 232.25 Td (be ) Tj ET Q q 0 0 0 rg BT 264.68 232.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 284.95 232.25 Td (equivalents.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 211.25 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.92 190.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.17 190.25 Td (classifies ) Tj ET Q q 0 0 0 rg BT 148.20 190.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 188.33 190.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 210.70 190.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 248.61 190.25 Td (in ) Tj ET Q q 0 0 0 rg BT 258.76 190.25 Td (one ) Tj ET Q q 0 0 0 rg BT 275.56 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 286.26 190.25 Td (three ) Tj ET Q q 0 0 0 rg BT 308.62 190.25 Td (categories: ) Tj ET Q q 0 0 0 rg BT 354.30 190.25 Td (trading, ) Tj ET Q q 0 0 0 rg BT 387.49 190.25 Td (held-to-maturity) Tj ET Q q 0 0 0 rg BT 452.38 190.25 Td (, ) Tj ET Q q 0 0 0 rg BT 457.25 190.25 Td (or ) Tj ET Q q 0 0 0 rg BT 467.95 190.25 Td (available-for) Tj ET Q q 0 0 0 rg BT 518.83 190.25 Td (-sale. ) Tj ET Q q 0 0 0 rg BT 542.58 190.25 Td (Debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.73 178.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 94.01 178.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 134.06 178.25 Td (held ) Tj ET Q q 0 0 0 rg BT 153.57 178.25 Td (for ) Tj ET Q q 0 0 0 rg BT 167.52 178.25 Td (resale ) Tj ET Q q 0 0 0 rg BT 193.12 178.25 Td (are ) Tj ET Q q 0 0 0 rg BT 207.62 178.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 247.67 178.25 Td (as ) Tj ET Q q 0 0 0 rg BT 258.29 178.25 Td (trading ) Tj ET Q q 0 0 0 rg BT 288.91 178.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 331.46 178.25 Td (Debt ) Tj ET Q q 0 0 0 rg BT 353.19 178.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 393.24 178.25 Td (for ) Tj ET Q q 0 0 0 rg BT 407.19 178.25 Td (which ) Tj ET Q q 0 0 0 rg BT 433.92 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.42 178.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 489.60 178.25 Td (has ) Tj ET Q q 0 0 0 rg BT 505.22 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 519.72 178.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 547.56 178.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (positive ) Tj ET Q q 0 0 0 rg BT 84.44 166.25 Td (intent ) Tj ET Q q 0 0 0 rg BT 110.00 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 120.56 166.25 Td (hold ) Tj ET Q q 0 0 0 rg BT 141.11 166.25 Td (until ) Tj ET Q q 0 0 0 rg BT 162.23 166.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 198.89 166.25 Td (are ) Tj ET Q q 0 0 0 rg BT 213.88 166.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 254.42 166.25 Td (as ) Tj ET Q q 0 0 0 rg BT 265.53 166.25 Td (held-to-maturity) Tj ET Q q 0 0 0 rg BT 330.42 166.25 Td (. ) Tj ET Q q 0 0 0 rg BT 335.08 166.25 Td (All ) Tj ET Q q 0 0 0 rg BT 350.64 166.25 Td (other ) Tj ET Q q 0 0 0 rg BT 373.97 166.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 414.51 166.25 Td (are ) Tj ET Q q 0 0 0 rg BT 429.50 166.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 470.04 166.25 Td (as ) Tj ET Q q 0 0 0 rg BT 481.15 166.25 Td (available-for) Tj ET Q q 0 0 0 rg BT 532.03 166.25 Td (-sale ) Tj ET Q q 0 0 0 rg BT 553.69 166.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (they ) Tj ET Q q 0 0 0 rg BT 69.78 154.25 Td (may ) Tj ET Q q 0 0 0 rg BT 89.56 154.25 Td (be ) Tj ET Q q 0 0 0 rg BT 101.56 154.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 120.79 154.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 142.79 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 153.13 154.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 189.57 154.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.91 154.25 Td (response ) Tj ET Q q 0 0 0 rg BT 237.46 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 247.80 154.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 282.57 154.25 Td (in ) Tj ET Q q 0 0 0 rg BT 292.91 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.68 154.25 Td (Company) Tj ET Q q 0 0 0 rg BT 349.35 154.25 Td (s ) Tj ET Q q 0 0 0 rg BT 355.80 154.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 387.80 154.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 405.34 154.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 422.90 154.25 Td (profile, ) Tj ET Q q 0 0 0 rg BT 454.62 154.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 488.29 154.25 Td (needs, ) Tj ET Q q 0 0 0 rg BT 516.12 154.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 550.33 154.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 106.35 142.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 141.63 142.25 Td (by ) Tj ET Q q 0 0 0 rg BT 154.13 142.25 Td (public ) Tj ET Q q 0 0 0 rg BT 181.63 142.25 Td (entities ) Tj ET Q q 0 0 0 rg BT 213.01 142.25 Td (or ) Tj ET Q q 0 0 0 rg BT 223.84 142.25 Td (other ) Tj ET Q q 0 0 0 rg BT 246.88 142.25 Td (reasons.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.25 Td (Held-to-maturity ) Tj ET Q q 0 0 0 rg BT 121.37 121.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 162.74 121.25 Td (are ) Tj ET Q q 0 0 0 rg BT 178.55 121.25 Td (stated ) Tj ET Q q 0 0 0 rg BT 205.49 121.25 Td (at ) Tj ET Q q 0 0 0 rg BT 216.31 121.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 259.90 121.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 282.12 121.25 Td (which ) Tj ET Q q 0 0 0 rg BT 310.17 121.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 354.31 121.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 381.79 121.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 401.51 121.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 438.44 121.25 Td (for ) Tj ET Q q 0 0 0 rg BT 453.71 121.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 493.42 121.25 Td (amortization ) Tj ET Q q 0 0 0 rg BT 547.57 121.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 86.99 109.25 Td (accretion ) Tj ET Q q 0 0 0 rg BT 126.73 109.25 Td (using ) Tj ET Q q 0 0 0 rg BT 151.50 109.25 Td (methods ) Tj ET Q q 0 0 0 rg BT 188.49 109.25 Td (that ) Tj ET Q q 0 0 0 rg BT 206.58 109.25 Td (approximate ) Tj ET Q q 0 0 0 rg BT 259.66 109.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.98 109.25 Td (ef) Tj ET Q q 0 0 0 rg BT 282.57 109.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 312.87 109.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 345.41 109.25 Td (method. ) Tj ET Q q 0 0 0 rg BT 380.32 109.25 Td (A) Tj ET Q q 0 0 0 rg BT 386.80 109.25 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 433.24 109.25 Td (-sale ) Tj ET Q q 0 0 0 rg BT 455.21 109.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 496.08 109.25 Td (are ) Tj ET Q q 0 0 0 rg BT 511.39 109.25 Td (stated ) Tj ET Q q 0 0 0 rg BT 537.81 109.25 Td (at ) Tj ET Q q 0 0 0 rg BT 548.13 109.25 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 77.13 97.25 Td (with ) Tj ET Q q 0 0 0 rg BT 97.88 97.25 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 142.50 97.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 166.58 97.25 Td (and ) Tj ET Q q 0 0 0 rg BT 184.00 97.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 213.36 97.25 Td (net ) Tj ET Q q 0 0 0 rg BT 228.56 97.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.86 97.25 Td (related ) Tj ET Q q 0 0 0 rg BT 270.04 97.25 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 296.06 97.25 Td (included ) Tj ET Q q 0 0 0 rg BT 333.47 97.25 Td (in ) Tj ET Q q 0 0 0 rg BT 344.22 97.25 Td (shareholders) Tj ET Q q 0 0 0 rg BT 397.35 97.25 Td ( ) Tj ET Q q 0 0 0 rg BT 400.32 97.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 428.29 97.25 Td (as ) Tj ET Q q 0 0 0 rg BT 439.60 97.25 Td (a ) Tj ET Q q 0 0 0 rg BT 447.01 97.25 Td (separate ) Tj ET Q q 0 0 0 rg BT 482.74 97.25 Td (component ) Tj ET Q q 0 0 0 rg BT 530.15 97.25 Td (of ) Tj ET Q q 0 0 0 rg BT 541.45 97.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 113.44 85.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 148.07 85.25 Td (T) Tj ET Q q 0 0 0 rg BT 153.83 85.25 Td (rading ) Tj ET Q q 0 0 0 rg BT 182.28 85.25 Td (account ) Tj ET Q q 0 0 0 rg BT 216.28 85.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 256.96 85.25 Td (are ) Tj ET Q q 0 0 0 rg BT 272.07 85.25 Td (stated ) Tj ET Q q 0 0 0 rg BT 298.30 85.25 Td (at ) Tj ET Q q 0 0 0 rg BT 308.43 85.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 325.21 85.25 Td (value. ) Tj ET Q q 0 0 0 rg BT 352.28 85.25 Td (Realized ) Tj ET Q q 0 0 0 rg BT 390.16 85.25 Td (and ) Tj ET Q q 0 0 0 rg BT 407.51 85.25 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 452.06 85.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 476.07 85.25 Td (and ) Tj ET Q q 0 0 0 rg BT 493.42 85.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 520.22 85.25 Td (from ) Tj ET Q q 0 0 0 rg BT 542.57 85.25 Td (sales ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 73.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 83.32 73.25 Td (value ) Tj ET Q q 0 0 0 rg BT 107.47 73.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 157.74 73.25 Td (are ) Tj ET Q q 0 0 0 rg BT 172.45 73.25 Td (included ) Tj ET Q q 0 0 0 rg BT 209.38 73.25 Td (in ) Tj ET Q q 0 0 0 rg BT 219.66 73.25 Td (other ) Tj ET Q q 0 0 0 rg BT 242.71 73.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 292.97 73.25 Td (income.) Tj ET Q endstream endobj 209 0 obj <> endobj 210 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (104) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Declines ) Tj ET Q q 0 0 0 rg BT 86.49 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.77 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.49 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 124.87 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 148.03 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.87 742.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 224.91 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.85 742.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 291.73 742.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 312.11 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 357.50 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 396.76 742.10 Td (\(with ) Tj ET Q q 0 0 0 rg BT 419.38 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 448.08 742.10 Td (exceptions ) Tj ET Q q 0 0 0 rg BT 492.35 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 505.51 742.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 524.23 742.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 74.85 730.10 Td (below\) ) Tj ET Q q 0 0 0 rg BT 105.25 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 122.87 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 137.71 730.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 171.44 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 181.84 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 193.91 730.10 Td (other) Tj ET Q q 0 0 0 rg BT 214.26 730.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 281.86 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 296.70 730.10 Td (char) Tj ET Q q 0 0 0 rg BT 313.73 730.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 330.80 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.21 730.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 377.71 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 388.67 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 395.74 730.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 430.01 730.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 450.71 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.78 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.85 730.10 Td (new ) Tj ET Q q 0 0 0 rg BT 494.14 730.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 512.88 730.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 535.51 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 549.80 730.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.29 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 99.49 718.10 Td (established. ) Tj ET Q q 0 0 0 rg BT 148.95 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 159.81 718.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 203.99 718.10 Td (other) Tj ET Q q 0 0 0 rg BT 224.34 718.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 291.83 718.10 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 342.96 718.10 Td (management ) Tj ET Q q 0 0 0 rg BT 396.58 718.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 436.88 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.62 718.10 Td (length ) Tj ET Q q 0 0 0 rg BT 479.14 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.00 718.10 Td (time ) Tj ET Q q 0 0 0 rg BT 510.30 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.27 718.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 554.23 718.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.51 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.80 706.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 106.74 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 130.47 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 145.87 706.10 Td (been ) Tj ET Q q 0 0 0 rg BT 166.82 706.10 Td (less ) Tj ET Q q 0 0 0 rg BT 183.89 706.10 Td (than ) Tj ET Q q 0 0 0 rg BT 203.17 706.10 Td (cost, ) Tj ET Q q 0 0 0 rg BT 223.85 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.14 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 275.19 706.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 315.03 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.54 706.10 Td (near) Tj ET Q q 0 0 0 rg BT 348.55 706.10 Td (-term ) Tj ET Q q 0 0 0 rg BT 372.28 706.10 Td (prospects ) Tj ET Q q 0 0 0 rg BT 412.11 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.51 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.80 706.10 Td (issuer) Tj ET Q q 0 0 0 rg BT 459.73 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 464.30 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.81 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.10 706.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 519.94 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 536.45 706.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.09 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.06 694.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 117.71 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.25 694.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 153.77 694.10 Td (its ) Tj ET Q q 0 0 0 rg BT 165.98 694.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 212.62 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 223.15 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.13 694.10 Td (issuer ) Tj ET Q q 0 0 0 rg BT 264.22 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 278.64 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 285.83 694.10 Td (period ) Tj ET Q q 0 0 0 rg BT 314.14 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.23 694.10 Td (time ) Tj ET Q q 0 0 0 rg BT 345.76 694.10 Td (suf) Tj ET Q q 0 0 0 rg BT 357.80 694.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 386.10 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.64 694.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 421.62 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 436.04 694.10 Td (any ) Tj ET Q q 0 0 0 rg BT 453.23 694.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 499.86 694.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 537.59 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 548.13 694.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.26 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 84.65 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.47 682.10 Td (near ) Tj ET Q q 0 0 0 rg BT 119.29 682.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 142.72 682.10 Td (Declines ) Tj ET Q q 0 0 0 rg BT 180.31 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 190.70 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.52 682.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 222.01 682.10 Td (value ) Tj ET Q q 0 0 0 rg BT 246.27 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.21 682.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 277.03 682.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 317.40 682.10 Td (below ) Tj ET Q q 0 0 0 rg BT 344.45 682.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 387.04 682.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 405.75 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 420.57 682.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 454.27 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.65 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 476.70 682.10 Td (other) Tj ET Q q 0 0 0 rg BT 497.05 682.10 Td (-than-temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.30 670.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 119.46 670.10 Td (where: ) Tj ET Q q 0 0 0 rg BT 149.19 670.10 Td (\(1\)the ) Tj ET Q q 0 0 0 rg BT 178.09 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 219.49 670.10 Td (has ) Tj ET Q q 0 0 0 rg BT 235.35 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.08 670.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 275.38 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.68 670.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 302.08 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 309.04 670.10 Td (security; ) Tj ET Q q 0 0 0 rg BT 346.00 670.10 Td (\(2\)it ) Tj ET Q q 0 0 0 rg BT 368.24 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 377.43 670.10 Td (more ) Tj ET Q q 0 0 0 rg BT 400.50 670.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 425.79 670.10 Td (than ) Tj ET Q q 0 0 0 rg BT 445.53 670.10 Td (not ) Tj ET Q q 0 0 0 rg BT 460.83 670.10 Td (that ) Tj ET Q q 0 0 0 rg BT 478.34 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.08 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 534.49 670.10 Td (will ) Tj ET Q q 0 0 0 rg BT 552.57 670.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (required ) Tj ET Q q 0 0 0 rg BT 85.81 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.09 658.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 112.48 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.19 658.10 Td (security ) Tj ET Q q 0 0 0 rg BT 161.35 658.10 Td (before ) Tj ET Q q 0 0 0 rg BT 189.38 658.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 226.86 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.69 658.10 Td (its ) Tj ET Q q 0 0 0 rg BT 249.63 658.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 292.11 658.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 310.72 658.10 Td (basis; ) Tj ET Q q 0 0 0 rg BT 336.00 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 346.83 658.10 Td (\(3\)the ) Tj ET Q q 0 0 0 rg BT 375.70 658.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 417.09 658.10 Td (does ) Tj ET Q q 0 0 0 rg BT 437.92 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 453.20 658.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 481.79 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 492.07 658.10 Td (recover ) Tj ET Q q 0 0 0 rg BT 524.54 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.26 658.10 Td (entire ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 92.21 646.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 110.55 646.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 132.79 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 143.35 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.80 646.10 Td (security) Tj ET Q q 0 0 0 rg BT 188.81 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 193.54 646.10 Td (If ) Tj ET Q q 0 0 0 rg BT 202.43 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.88 646.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 258.00 646.10 Td (intends ) Tj ET Q q 0 0 0 rg BT 289.12 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.13 646.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 315.25 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 321.92 646.10 Td (security ) Tj ET Q q 0 0 0 rg BT 355.81 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 366.37 646.10 Td (if ) Tj ET Q q 0 0 0 rg BT 374.72 646.10 Td (it ) Tj ET Q q 0 0 0 rg BT 382.51 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 391.41 646.10 Td (more ) Tj ET Q q 0 0 0 rg BT 414.19 646.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 439.19 646.10 Td (than ) Tj ET Q q 0 0 0 rg BT 458.64 646.10 Td (not ) Tj ET Q q 0 0 0 rg BT 473.66 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 490.88 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.33 646.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 546.45 646.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.97 634.10 Td (required ) Tj ET Q q 0 0 0 rg BT 97.82 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.13 634.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 124.56 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.31 634.10 Td (security ) Tj ET Q q 0 0 0 rg BT 173.50 634.10 Td (before ) Tj ET Q q 0 0 0 rg BT 201.57 634.10 Td (recovery) Tj ET Q q 0 0 0 rg BT 235.89 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 240.93 634.10 Td (an ) Tj ET Q q 0 0 0 rg BT 252.90 634.10 Td (other) Tj ET Q q 0 0 0 rg BT 273.25 634.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 340.75 634.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 389.38 634.10 Td (write-down ) Tj ET Q q 0 0 0 rg BT 438.02 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 447.22 634.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 493.62 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 503.93 634.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 540.34 634.10 Td (equal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.43 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.30 622.10 Td (dif) Tj ET Q q 0 0 0 rg BT 86.22 622.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 118.29 622.10 Td (between ) Tj ET Q q 0 0 0 rg BT 154.25 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.12 622.10 Td (security) Tj ET Q q 0 0 0 rg BT 203.55 622.10 Td (s ) Tj ET Q q 0 0 0 rg BT 210.10 622.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 252.73 622.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 271.49 622.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 294.14 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.23 622.10 Td (its ) Tj ET Q q 0 0 0 rg BT 323.32 622.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 339.85 622.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 366.66 622.10 Td (If ) Tj ET Q q 0 0 0 rg BT 375.97 622.10 Td (an ) Tj ET Q q 0 0 0 rg BT 388.06 622.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 413.48 622.10 Td (does ) Tj ET Q q 0 0 0 rg BT 434.46 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 449.89 622.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 477.54 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.96 622.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 504.50 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.37 622.10 Td (security ) Tj ET Q q 0 0 0 rg BT 553.67 622.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (it ) Tj ET Q q 0 0 0 rg BT 57.43 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 65.98 610.10 Td (not ) Tj ET Q q 0 0 0 rg BT 80.64 610.10 Td (more ) Tj ET Q q 0 0 0 rg BT 103.06 610.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 127.71 610.10 Td (than ) Tj ET Q q 0 0 0 rg BT 146.81 610.10 Td (not ) Tj ET Q q 0 0 0 rg BT 161.46 610.10 Td (that ) Tj ET Q q 0 0 0 rg BT 178.33 610.10 Td (it ) Tj ET Q q 0 0 0 rg BT 185.77 610.10 Td (will ) Tj ET Q q 0 0 0 rg BT 203.20 610.10 Td (be ) Tj ET Q q 0 0 0 rg BT 214.52 610.10 Td (required ) Tj ET Q q 0 0 0 rg BT 249.71 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.37 610.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 275.13 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.23 610.10 Td (security ) Tj ET Q q 0 0 0 rg BT 322.76 610.10 Td (before ) Tj ET Q q 0 0 0 rg BT 350.17 610.10 Td (recovery) Tj ET Q q 0 0 0 rg BT 384.50 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 388.88 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.97 610.10 Td (other) Tj ET Q q 0 0 0 rg BT 423.32 610.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 490.17 610.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 538.14 610.10 Td (write-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (down ) Tj ET Q q 0 0 0 rg BT 75.30 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 85.05 598.10 Td (separated ) Tj ET Q q 0 0 0 rg BT 125.89 598.10 Td (into ) Tj ET Q q 0 0 0 rg BT 144.52 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 157.04 598.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 190.12 598.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 242.62 598.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 268.46 598.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 289.61 598.10 Td (which ) Tj ET Q q 0 0 0 rg BT 317.12 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 326.87 598.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 373.82 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 384.67 598.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 424.13 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.65 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 454.17 598.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 487.24 598.10 Td (related ) Tj ET Q q 0 0 0 rg BT 517.53 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.38 598.10 Td (all ) Tj ET Q q 0 0 0 rg BT 541.46 598.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 82.21 586.10 Td (which ) Tj ET Q q 0 0 0 rg BT 109.15 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 118.32 586.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 164.68 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.96 586.10 Td (other ) Tj ET Q q 0 0 0 rg BT 198.00 586.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 261.04 586.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.79 565.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.04 565.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 144.24 565.10 Td (including ) Tj ET Q q 0 0 0 rg BT 184.82 565.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 238.17 565.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.31 565.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 292.11 565.10 Td (and ) Tj ET Q q 0 0 0 rg BT 309.36 565.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 348.81 565.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.95 565.10 Td (discounts, ) Tj ET Q q 0 0 0 rg BT 403.03 565.10 Td (are ) Tj ET Q q 0 0 0 rg BT 418.05 565.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 464.72 565.10 Td (as ) Tj ET Q q 0 0 0 rg BT 475.86 565.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 508.10 565.10 Td (income ) Tj ET Q q 0 0 0 rg BT 540.35 565.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (earned. ) Tj ET Q q 0 0 0 rg BT 81.19 553.10 Td (Realized ) Tj ET Q q 0 0 0 rg BT 118.21 553.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 141.35 553.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.83 553.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 183.76 553.10 Td (on ) Tj ET Q q 0 0 0 rg BT 195.80 553.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 217.28 553.10 Td (\(using ) Tj ET Q q 0 0 0 rg BT 244.32 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.58 553.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 291.71 553.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 347.07 553.10 Td (method\) ) Tj ET Q q 0 0 0 rg BT 382.43 553.10 Td (and ) Tj ET Q q 0 0 0 rg BT 398.91 553.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 433.72 553.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.54 553.10 Td (value ) Tj ET Q q 0 0 0 rg BT 467.23 553.10 Td (judged ) Tj ET Q q 0 0 0 rg BT 496.49 553.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.31 553.10 Td (be ) Tj ET Q q 0 0 0 rg BT 517.78 553.10 Td (other) Tj ET Q q 0 0 0 rg BT 538.13 553.10 Td (-than-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 93.59 541.10 Td (are ) Tj ET Q q 0 0 0 rg BT 108.30 541.10 Td (included ) Tj ET Q q 0 0 0 rg BT 145.23 541.10 Td (in ) Tj ET Q q 0 0 0 rg BT 155.51 541.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 205.78 541.10 Td (income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (Federal Home Loan Bank and Federal Reserve Bank Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (Investments ) Tj ET Q q 0 0 0 rg BT 100.81 499.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.07 499.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 143.54 499.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 170.46 499.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 193.50 499.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 217.09 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.01 499.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 266.48 499.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 301.17 499.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 324.77 499.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 348.36 499.10 Td (are ) Tj ET Q q 0 0 0 rg BT 363.05 499.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 402.74 499.10 Td (as ) Tj ET Q q 0 0 0 rg BT 413.55 499.10 Td (to ) Tj ET Q q 0 0 0 rg BT 423.81 499.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 471.84 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 488.76 499.10 Td (are ) Tj ET Q q 0 0 0 rg BT 503.45 499.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 533.69 499.10 Td (at ) Tj ET Q q 0 0 0 rg BT 543.39 499.10 Td (cost.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Securities Pur) Tj ET Q q 0 0 0 rg BT 106.56 478.10 Td (chased Under Resale ) Tj ET Q q 0 0 0 rg BT 193.86 478.10 Td (Agr) Tj ET Q q 0 0 0 rg BT 208.49 478.10 Td (eements and Securities Sold Under Repur) Tj ET Q q 0 0 0 rg BT 375.02 478.10 Td (chase ) Tj ET Q q 0 0 0 rg BT 400.11 478.10 Td (Agr) Tj ET Q q 0 0 0 rg BT 414.74 478.10 Td (eements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 90.84 457.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 132.79 457.10 Td (under ) Tj ET Q q 0 0 0 rg BT 156.97 457.10 Td (resale ) Tj ET Q q 0 0 0 rg BT 181.70 457.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 228.64 457.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.49 457.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 283.66 457.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 301.74 457.10 Td (under ) Tj ET Q q 0 0 0 rg BT 325.92 457.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 370.63 457.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 417.58 457.10 Td (are ) Tj ET Q q 0 0 0 rg BT 431.19 457.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 469.81 457.10 Td (treated ) Tj ET Q q 0 0 0 rg BT 498.42 457.10 Td (as ) Tj ET Q q 0 0 0 rg BT 508.16 457.10 Td (collateralized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 89.52 445.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 139.04 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.23 445.10 Td (are ) Tj ET Q q 0 0 0 rg BT 169.19 445.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 205.92 445.10 Td (at ) Tj ET Q q 0 0 0 rg BT 214.89 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.86 445.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 260.61 445.10 Td (at ) Tj ET Q q 0 0 0 rg BT 269.58 445.10 Td (which ) Tj ET Q q 0 0 0 rg BT 295.78 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.75 445.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 349.27 445.10 Td (were ) Tj ET Q q 0 0 0 rg BT 370.45 445.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 406.63 445.10 Td (or ) Tj ET Q q 0 0 0 rg BT 416.71 445.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 435.14 445.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 453.56 445.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 486.40 445.10 Td (interest. ) Tj ET Q q 0 0 0 rg BT 520.09 445.10 Td (Securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.16 433.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 108.91 433.10 Td (government ) Tj ET Q q 0 0 0 rg BT 158.63 433.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.03 433.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 206.98 433.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 237.25 433.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 279.48 433.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 313.09 433.10 Td (as ) Tj ET Q q 0 0 0 rg BT 323.38 433.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 362.54 433.10 Td (under ) Tj ET Q q 0 0 0 rg BT 387.27 433.10 Td (these ) Tj ET Q q 0 0 0 rg BT 409.78 433.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 449.50 433.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 505.32 433.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 533.94 433.10 Td (be ) Tj ET Q q 0 0 0 rg BT 545.34 433.10 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.18 421.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.57 421.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 112.28 421.10 Td (party) Tj ET Q q 0 0 0 rg BT 132.18 421.10 Td (. ) Tj ET Q q 0 0 0 rg BT 137.62 421.10 Td (The ) Tj ET Q q 0 0 0 rg BT 156.35 421.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 173.40 421.10 Td (value ) Tj ET Q q 0 0 0 rg BT 198.23 421.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.73 421.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 250.11 421.10 Td (either ) Tj ET Q q 0 0 0 rg BT 276.04 421.10 Td (received ) Tj ET Q q 0 0 0 rg BT 313.08 421.10 Td (from ) Tj ET Q q 0 0 0 rg BT 335.70 421.10 Td (or ) Tj ET Q q 0 0 0 rg BT 347.20 421.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 385.92 421.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.88 421.10 Td (a ) Tj ET Q q 0 0 0 rg BT 404.49 421.10 Td (third ) Tj ET Q q 0 0 0 rg BT 426.55 421.10 Td (party ) Tj ET Q q 0 0 0 rg BT 450.28 421.10 Td (is ) Tj ET Q q 0 0 0 rg BT 460.12 421.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 504.40 421.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.01 421.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 89.70 409.10 Td (is ) Tj ET Q q 0 0 0 rg BT 98.87 409.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 135.80 409.10 Td (or ) Tj ET Q q 0 0 0 rg BT 146.63 409.10 Td (requested ) Tj ET Q q 0 0 0 rg BT 187.45 409.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.72 409.10 Td (be ) Tj ET Q q 0 0 0 rg BT 209.66 409.10 Td (returned ) Tj ET Q q 0 0 0 rg BT 245.48 409.10 Td (as ) Tj ET Q q 0 0 0 rg BT 256.31 409.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 289.90 409.10 Td (appropriate.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (Br) Tj ET Q q 0 0 0 rg BT 59.63 388.10 Td (okerage Customer Receivables) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.19 367.10 Td (Company) Tj ET Q q 0 0 0 rg BT 105.42 367.10 Td (, ) Tj ET Q q 0 0 0 rg BT 109.56 367.10 Td (under ) Tj ET Q q 0 0 0 rg BT 133.97 367.10 Td (an ) Tj ET Q q 0 0 0 rg BT 145.05 367.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 188.33 367.10 Td (with ) Tj ET Q q 0 0 0 rg BT 207.75 367.10 Td (an ) Tj ET Q q 0 0 0 rg BT 218.83 367.10 Td (out-sourced ) Tj ET Q q 0 0 0 rg BT 267.67 367.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 307.08 367.10 Td (clearing ) Tj ET Q q 0 0 0 rg BT 340.92 367.10 Td (firm, ) Tj ET Q q 0 0 0 rg BT 362.27 367.10 Td (extends ) Tj ET Q q 0 0 0 rg BT 394.46 367.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 418.86 367.10 Td (to ) Tj ET Q q 0 0 0 rg BT 428.28 367.10 Td (its ) Tj ET Q q 0 0 0 rg BT 439.37 367.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 480.99 367.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 523.17 367.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.59 367.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (their ) Tj ET Q q 0 0 0 rg BT 69.71 355.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 110.52 355.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.23 355.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 159.38 355.10 Td (on ) Tj ET Q q 0 0 0 rg BT 170.76 355.10 Td (mar) Tj ET Q q 0 0 0 rg BT 186.12 355.10 Td (gin. ) Tj ET Q q 0 0 0 rg BT 202.68 355.10 Td (The ) Tj ET Q q 0 0 0 rg BT 219.61 355.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 259.88 355.10 Td (receives ) Tj ET Q q 0 0 0 rg BT 294.02 355.10 Td (income ) Tj ET Q q 0 0 0 rg BT 324.83 355.10 Td (from ) Tj ET Q q 0 0 0 rg BT 345.65 355.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 376.47 355.10 Td (char) Tj ET Q q 0 0 0 rg BT 393.49 355.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 409.31 355.10 Td (on ) Tj ET Q q 0 0 0 rg BT 420.70 355.10 Td (such ) Tj ET Q q 0 0 0 rg BT 440.41 355.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 484.01 355.10 Td (of ) Tj ET Q q 0 0 0 rg BT 493.72 355.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 520.36 355.10 Td (Brokerage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 89.39 343.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 137.10 343.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 176.49 343.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 213.11 343.10 Td (due ) Tj ET Q q 0 0 0 rg BT 230.29 343.10 Td (on ) Tj ET Q q 0 0 0 rg BT 243.03 343.10 Td (mar) Tj ET Q q 0 0 0 rg BT 258.39 343.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 273.91 343.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 313.57 343.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 355.74 343.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 385.14 343.10 Td (by ) Tj ET Q q 0 0 0 rg BT 397.88 343.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 441.17 343.10 Td (are ) Tj ET Q q 0 0 0 rg BT 456.11 343.10 Td (held ) Tj ET Q q 0 0 0 rg BT 476.07 343.10 Td (as ) Tj ET Q q 0 0 0 rg BT 487.13 343.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 527.07 343.10 Td (for ) Tj ET Q q 0 0 0 rg BT 541.47 343.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (receivables.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Mortgage Loans Held-for) Tj ET Q q 0 0 0 rg BT 153.13 310.10 Td (-Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 90.65 289.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 113.53 289.10 Td (are ) Tj ET Q q 0 0 0 rg BT 127.51 289.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 167.05 289.10 Td (as ) Tj ET Q q 0 0 0 rg BT 177.15 289.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 209.16 289.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 229.80 289.10 Td (when ) Tj ET Q q 0 0 0 rg BT 253.24 289.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 295.55 289.10 Td (or ) Tj ET Q q 0 0 0 rg BT 305.65 289.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 341.85 289.10 Td (with ) Tj ET Q q 0 0 0 rg BT 361.40 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.39 289.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 399.94 289.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.49 289.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 425.15 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.14 289.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 458.13 289.10 Td (into ) Tj ET Q q 0 0 0 rg BT 475.45 289.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.44 289.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 531.75 289.10 Td (market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 80.85 277.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 124.48 277.10 Td (or ) Tj ET Q q 0 0 0 rg BT 134.78 277.10 Td (other ) Tj ET Q q 0 0 0 rg BT 157.30 277.10 Td (developments ) Tj ET Q q 0 0 0 rg BT 214.81 277.10 Td (may ) Tj ET Q q 0 0 0 rg BT 234.00 277.10 Td (change ) Tj ET Q q 0 0 0 rg BT 264.28 277.10 Td (management) Tj ET Q q 0 0 0 rg BT 318.15 277.10 Td (s ) Tj ET Q q 0 0 0 rg BT 324.01 277.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 348.76 277.10 Td (with ) Tj ET Q q 0 0 0 rg BT 368.51 277.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 398.79 277.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.54 277.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.73 277.10 Td (disposition ) Tj ET Q q 0 0 0 rg BT 468.59 277.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.89 277.10 Td (these ) Tj ET Q q 0 0 0 rg BT 501.41 277.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 524.49 277.10 Td (and ) Tj ET Q q 0 0 0 rg BT 540.90 277.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 94.65 265.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 134.84 265.10 Td (as ) Tj ET Q q 0 0 0 rg BT 145.61 265.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 185.80 265.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 209.34 265.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 241.35 265.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 262.66 265.10 Td (may ) Tj ET Q q 0 0 0 rg BT 282.30 265.10 Td (be ) Tj ET Q q 0 0 0 rg BT 294.17 265.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 342.14 265.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.35 265.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.00 265.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 386.65 265.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 426.57 265.10 Td (with ) Tj ET Q q 0 0 0 rg BT 446.78 265.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.43 265.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 494.39 265.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 540.13 265.10 Td (at ) Tj ET Q q 0 0 0 rg BT 549.78 265.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 75.27 253.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.10 253.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 104.71 253.10 Td (or ) Tj ET Q q 0 0 0 rg BT 115.54 253.10 Td (market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 72.04 232.10 Td (825, ) Tj ET Q q 0 0 0 rg BT 92.13 232.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 136.37 232.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 190.61 232.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 227.64 232.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 259.11 232.10 Td (with ) Tj ET Q q 0 0 0 rg BT 279.47 232.10 Td (an ) Tj ET Q q 0 0 0 rg BT 291.50 232.10 Td (option ) Tj ET Q q 0 0 0 rg BT 319.64 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.01 232.10 Td (report ) Tj ET Q q 0 0 0 rg BT 356.47 232.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 391.26 232.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 428.83 232.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 454.75 232.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.78 232.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 511.58 232.10 Td (at ) Tj ET Q q 0 0 0 rg BT 521.39 232.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 537.85 232.10 Td (value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.53 220.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 115.30 220.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 158.49 220.10 Td (by ) Tj ET Q q 0 0 0 rg BT 170.96 220.10 Td (W) Tj ET Q q 0 0 0 rg BT 179.99 220.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 208.21 220.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 249.74 220.10 Td (are ) Tj ET Q q 0 0 0 rg BT 264.60 220.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 305.57 220.10 Td (at ) Tj ET Q q 0 0 0 rg BT 315.44 220.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 331.98 220.10 Td (value ) Tj ET Q q 0 0 0 rg BT 356.29 220.10 Td (which ) Tj ET Q q 0 0 0 rg BT 383.38 220.10 Td (is ) Tj ET Q q 0 0 0 rg BT 392.71 220.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 440.34 220.10 Td (by ) Tj ET Q q 0 0 0 rg BT 453.00 220.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 492.83 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.27 220.10 Td (investor ) Tj ET Q q 0 0 0 rg BT 538.14 220.10 Td (prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 208.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.88 208.10 Td (products ) Tj ET Q q 0 0 0 rg BT 120.82 208.10 Td (with ) Tj ET Q q 0 0 0 rg BT 141.09 208.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 171.37 208.10 Td (characteristics. ) Tj ET Q q 0 0 0 rg BT 233.55 208.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 270.49 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 280.77 208.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 297.15 208.10 Td (value ) Tj ET Q q 0 0 0 rg BT 321.30 208.10 Td (are ) Tj ET Q q 0 0 0 rg BT 336.01 208.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 382.37 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 392.65 208.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 432.92 208.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 467.63 208.10 Td (revenue.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (Loans, ) Tj ET Q q 0 0 0 rg BT 81.63 187.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 128.89 187.10 Td (for ) Tj ET Q q 0 0 0 rg BT 145.61 187.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 171.22 187.10 Td (Losses, ) Tj ET Q q 0 0 0 rg BT 205.07 187.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 252.33 187.10 Td (for ) Tj ET Q q 0 0 0 rg BT 269.05 187.10 Td (Cover) Tj ET Q q 0 0 0 rg BT 293.11 187.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 307.60 187.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 333.21 187.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 364.93 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.61 187.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 431.87 187.10 Td (for ) Tj ET Q q 0 0 0 rg BT 448.58 187.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 480.30 187.10 Td (on ) Tj ET Q q 0 0 0 rg BT 495.35 187.10 Td (Lending-Related ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 77.38 154.10 Td (are ) Tj ET Q q 0 0 0 rg BT 92.52 154.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 132.67 154.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 168.92 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 179.08 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.23 154.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 232.71 154.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 265.65 154.10 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 317.75 154.10 Td (net ) Tj ET Q q 0 0 0 rg BT 332.91 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.18 154.10 Td (unearned ) Tj ET Q q 0 0 0 rg BT 383.76 154.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 418.64 154.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 451.56 154.10 Td (income ) Tj ET Q q 0 0 0 rg BT 483.94 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 493.54 154.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 540.35 154.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (earned. ) Tj ET Q q 0 0 0 rg BT 81.60 142.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 104.61 142.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 150.95 142.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 169.51 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.40 142.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 216.06 142.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 241.29 142.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 287.63 142.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 310.09 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 324.75 142.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 360.52 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.41 142.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 419.85 142.10 Td (over ) Tj ET Q q 0 0 0 rg BT 440.08 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.75 142.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 492.74 142.10 Td (life ) Tj ET Q q 0 0 0 rg BT 508.53 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.32 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.99 142.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 553.67 142.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (an ) Tj ET Q q 0 0 0 rg BT 62.48 130.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 109.40 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.22 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.48 130.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 158.52 130.10 Td (using ) Tj ET Q q 0 0 0 rg BT 183.23 130.10 Td (methods ) Tj ET Q q 0 0 0 rg BT 220.15 130.10 Td (that ) Tj ET Q q 0 0 0 rg BT 238.19 130.10 Td (approximate ) Tj ET Q q 0 0 0 rg BT 291.21 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.47 130.10 Td (ef) Tj ET Q q 0 0 0 rg BT 314.06 130.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 344.30 130.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 376.78 130.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 412.31 130.10 Td (Finance ) Tj ET Q q 0 0 0 rg BT 447.01 130.10 Td (char) Tj ET Q q 0 0 0 rg BT 464.03 130.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 480.41 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 493.45 130.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 532.59 130.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 97.47 118.10 Td (are ) Tj ET Q q 0 0 0 rg BT 112.18 118.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 141.32 118.10 Td (over ) Tj ET Q q 0 0 0 rg BT 161.59 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.31 118.10 Td (term ) Tj ET Q q 0 0 0 rg BT 197.13 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.96 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.68 118.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 244.90 118.10 Td (using ) Tj ET Q q 0 0 0 rg BT 269.07 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 276.01 118.10 Td (method ) Tj ET Q q 0 0 0 rg BT 308.50 118.10 Td (which ) Tj ET Q q 0 0 0 rg BT 335.44 118.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 391.81 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.53 118.10 Td (ef) Tj ET Q q 0 0 0 rg BT 414.12 118.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 443.82 118.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 466.31 118.10 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.32 97.10 Td (income ) Tj ET Q q 0 0 0 rg BT 114.09 97.10 Td (is ) Tj ET Q q 0 0 0 rg BT 123.10 97.10 Td (not ) Tj ET Q q 0 0 0 rg BT 138.22 97.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 171.64 97.10 Td (on ) Tj ET Q q 0 0 0 rg BT 183.98 97.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 207.42 97.10 Td (where ) Tj ET Q q 0 0 0 rg BT 234.19 97.10 Td (management ) Tj ET Q q 0 0 0 rg BT 287.62 97.10 Td (has ) Tj ET Q q 0 0 0 rg BT 303.29 97.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 350.60 97.10 Td (that ) Tj ET Q q 0 0 0 rg BT 367.94 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.49 97.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 425.37 97.10 Td (may ) Tj ET Q q 0 0 0 rg BT 444.93 97.10 Td (be ) Tj ET Q q 0 0 0 rg BT 456.70 97.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 485.70 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 495.81 97.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 517.58 97.10 Td (contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.43 85.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 116.86 85.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 149.18 85.10 Td (obligations, ) Tj ET Q q 0 0 0 rg BT 199.01 85.10 Td (or ) Tj ET Q q 0 0 0 rg BT 210.22 85.10 Td (where ) Tj ET Q q 0 0 0 rg BT 237.54 85.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 269.86 85.10 Td (or ) Tj ET Q q 0 0 0 rg BT 281.07 85.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 319.50 85.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.06 85.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.06 85.10 Td ( ) Tj ET Q q 0 0 0 rg BT 341.94 85.10 Td (days ) Tj ET Q q 0 0 0 rg BT 363.16 85.10 Td (or ) Tj ET Q q 0 0 0 rg BT 374.38 85.10 Td (more ) Tj ET Q q 0 0 0 rg BT 397.81 85.10 Td (past ) Tj ET Q q 0 0 0 rg BT 416.80 85.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 436.63 85.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 464.51 85.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.61 85.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 503.61 85.10 Td (are ) Tj ET Q q 0 0 0 rg BT 518.70 85.10 Td (adequately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 83.39 73.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.67 73.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.30 73.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.37 73.10 Td (process ) Tj ET Q q 0 0 0 rg BT 159.21 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.39 73.10 Td (collection. ) Tj ET Q q 0 0 0 rg BT 215.16 73.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 238.01 73.10 Td (receipts ) Tj ET Q q 0 0 0 rg BT 271.96 73.10 Td (on ) Tj ET Q q 0 0 0 rg BT 284.80 73.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 334.85 73.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 358.80 73.10 Td (are ) Tj ET Q q 0 0 0 rg BT 373.86 73.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 413.91 73.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 446.19 73.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.82 73.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.89 73.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 510.28 73.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 543.66 73.10 Td (until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 61.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 107.76 61.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 140.79 61.10 Td (is ) Tj ET Q q 0 0 0 rg BT 149.96 61.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 195.78 61.10 Td (collectible, ) Tj ET Q q 0 0 0 rg BT 242.42 61.10 Td (at ) Tj ET Q q 0 0 0 rg BT 252.14 61.10 Td (which ) Tj ET Q q 0 0 0 rg BT 279.08 61.10 Td (time ) Tj ET Q q 0 0 0 rg BT 299.35 61.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 331.28 61.10 Td (income ) Tj ET Q q 0 0 0 rg BT 363.22 61.10 Td (may ) Tj ET Q q 0 0 0 rg BT 382.93 61.10 Td (be ) Tj ET Q q 0 0 0 rg BT 394.87 61.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 441.24 61.10 Td (when ) Tj ET Q q 0 0 0 rg BT 465.40 61.10 Td (received.) Tj ET Q endstream endobj 211 0 obj <> endobj 212 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (105) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.11 742.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 151.82 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 164.11 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 207.48 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 221.97 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 242.02 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 268.75 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 278.80 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 286.08 742.10 Td (level ) Tj ET Q q 0 0 0 rg BT 308.35 742.10 Td (believed ) Tj ET Q q 0 0 0 rg BT 345.06 742.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 393.42 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 406.26 742.10 Td (management ) Tj ET Q q 0 0 0 rg BT 460.19 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 470.80 742.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 500.30 742.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 538.12 742.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 84.69 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.40 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.55 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 127.70 730.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 164.62 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.99 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 189.59 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 214.29 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 226.22 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.37 730.10 Td (size ) Tj ET Q q 0 0 0 rg BT 257.84 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.21 730.10 Td (current ) Tj ET Q q 0 0 0 rg BT 304.46 730.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 321.39 730.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 380.51 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.77 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.91 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 424.06 730.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 463.48 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 474.85 730.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 521.22 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 531.48 730.10 Td (internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 85.91 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 105.72 718.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 144.96 718.10 Td (system ) Tj ET Q q 0 0 0 rg BT 175.32 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 199.02 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.04 718.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 242.50 718.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 260.65 718.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 309.04 718.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 343.83 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 354.20 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.00 718.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 421.03 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.95 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.75 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 466.56 718.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 506.64 718.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 546.44 718.10 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 97.67 706.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 131.75 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 141.39 706.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 173.26 706.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 206.23 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.54 706.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 270.77 706.10 Td (including ) Tj ET Q q 0 0 0 rg BT 310.42 706.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 363.94 706.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 403.58 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 419.89 706.10 Td (collections, ) Tj ET Q q 0 0 0 rg BT 467.58 706.10 Td (char) Tj ET Q q 0 0 0 rg BT 484.60 706.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 505.52 706.10 Td (f ) Tj ET Q q 0 0 0 rg BT 510.72 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.03 706.10 Td (recovery ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 90.40 694.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 124.98 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 135.13 694.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 183.30 694.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 211.22 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.03 694.10 Td (depth ) Tj ET Q q 0 0 0 rg BT 252.61 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.31 694.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 295.68 694.10 Td (management ) Tj ET Q q 0 0 0 rg BT 349.14 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.94 694.10 Td (staf) Tj ET Q q 0 0 0 rg BT 380.20 694.10 Td (f, ) Tj ET Q q 0 0 0 rg BT 388.40 694.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 422.98 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.13 694.10 Td (national ) Tj ET Q q 0 0 0 rg BT 467.71 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.52 694.10 Td (local ) Tj ET Q q 0 0 0 rg BT 506.32 694.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 547.56 694.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (business ) Tj ET Q q 0 0 0 rg BT 85.70 682.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 129.17 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.42 682.10 Td (developments, ) Tj ET Q q 0 0 0 rg BT 205.27 682.10 Td (including ) Tj ET Q q 0 0 0 rg BT 244.85 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.88 682.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 298.46 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 308.60 682.10 Td (various ) Tj ET Q q 0 0 0 rg BT 339.84 682.10 Td (market ) Tj ET Q q 0 0 0 rg BT 369.41 682.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 408.44 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 424.69 682.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 458.70 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.29 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.31 682.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 514.12 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.36 682.10 Td (severity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 62.23 670.10 Td (past ) Tj ET Q q 0 0 0 rg BT 82.24 670.10 Td (due ) Tj ET Q q 0 0 0 rg BT 100.58 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.91 670.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 160.58 670.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 185.58 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.92 670.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 232.26 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 243.94 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.05 670.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 293.95 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.18 670.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 357.27 670.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 384.78 670.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 422.00 670.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 443.12 670.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 502.00 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.34 670.10 Td (other ) Tj ET Q q 0 0 0 rg BT 544.79 670.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (modifications. ) Tj ET Q q 0 0 0 rg BT 111.00 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 130.34 658.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 174.65 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 190.10 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 211.10 658.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 238.78 658.10 Td (also ) Tj ET Q q 0 0 0 rg BT 258.68 658.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 295.79 658.10 Td (an ) Tj ET Q q 0 0 0 rg BT 309.01 658.10 Td (element ) Tj ET Q q 0 0 0 rg BT 344.45 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 359.89 658.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 402.00 658.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 440.77 658.10 Td (but ) Tj ET Q q 0 0 0 rg BT 457.34 658.10 Td (undetected ) Tj ET Q q 0 0 0 rg BT 504.43 658.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 532.11 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 550.34 658.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (imprecision ) Tj ET Q q 0 0 0 rg BT 99.42 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 109.41 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.83 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 148.80 646.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 166.01 646.10 Td (models ) Tj ET Q q 0 0 0 rg BT 197.11 646.10 Td (used ) Tj ET Q q 0 0 0 rg BT 217.65 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.63 646.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 265.37 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.79 646.10 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 325.04 646.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 351.68 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 371.67 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 378.32 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 403.29 646.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 420.50 646.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 446.03 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.57 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 463.22 646.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 470.42 646.10 Td (through ) Tj ET Q q 0 0 0 rg BT 503.74 646.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 510.95 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 525.37 646.10 Td (reviewed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.10 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 68.65 634.10 Td (monthly ) Tj ET Q q 0 0 0 rg BT 104.09 634.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 126.19 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.07 634.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 178.16 634.10 Td (if ) Tj ET Q q 0 0 0 rg BT 186.37 634.10 Td (\(a\)an ) Tj ET Q q 0 0 0 rg BT 211.51 634.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 243.61 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 252.39 634.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 285.59 634.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 339.34 634.10 Td (\(a ) Tj ET Q q 0 0 0 rg BT 349.21 634.10 Td (char) Tj ET Q q 0 0 0 rg BT 366.24 634.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 387.15 634.10 Td (f\) ) Tj ET Q q 0 0 0 rg BT 395.92 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 406.35 634.10 Td (\(b\)it ) Tj ET Q q 0 0 0 rg BT 428.17 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 436.95 634.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 474.04 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 491.14 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.46 634.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 546.45 634.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 62.56 622.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 92.33 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.23 622.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 132.99 622.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 170.00 622.10 Td (due ) Tj ET Q q 0 0 0 rg BT 187.55 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 198.45 622.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 246.53 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.42 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.76 622.10 Td (original ) Tj ET Q q 0 0 0 rg BT 316.98 622.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 364.52 622.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 389.85 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.30 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.63 622.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 436.97 622.10 Td (\(an ) Tj ET Q q 0 0 0 rg BT 452.85 622.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 491.51 622.10 Td (loan\). ) Tj ET Q q 0 0 0 rg BT 517.68 622.10 Td (If ) Tj ET Q q 0 0 0 rg BT 527.46 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 535.01 622.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 555.35 622.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 90.51 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.20 610.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 140.98 610.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 173.45 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.25 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.93 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 218.62 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 227.76 610.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 269.65 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.90 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.59 610.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 332.59 610.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 373.39 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.63 610.10 Td (be ) Tj ET Q q 0 0 0 rg BT 395.54 610.10 Td (received, ) Tj ET Q q 0 0 0 rg BT 434.37 610.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 480.17 610.10 Td (at ) Tj ET Q q 0 0 0 rg BT 489.86 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.54 610.10 Td (loan) Tj ET Q q 0 0 0 rg BT 524.54 610.10 Td (s ) Tj ET Q q 0 0 0 rg BT 530.90 610.10 Td (original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 69.81 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 80.47 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 94.46 598.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 133.99 598.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 177.41 598.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 203.34 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.45 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.00 598.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 244.20 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 268.18 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.84 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.39 598.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 332.91 598.10 Td (less ) Tj ET Q q 0 0 0 rg BT 350.24 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.79 598.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 405.43 598.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 423.87 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.98 598.10 Td (sell. ) Tj ET Q q 0 0 0 rg BT 452.18 598.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 471.73 598.10 Td (shortfall ) Tj ET Q q 0 0 0 rg BT 507.38 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 516.38 598.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 553.68 598.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.74 586.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 90.13 586.10 Td (reserve. ) Tj ET Q q 0 0 0 rg BT 123.79 586.10 Td (For ) Tj ET Q q 0 0 0 rg BT 139.98 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 163.39 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 183.46 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 190.20 586.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 215.26 586.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 232.56 586.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 258.18 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.81 586.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 276.10 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 286.73 586.10 Td (better ) Tj ET Q q 0 0 0 rg BT 311.79 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 329.08 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 343.59 586.10 Td (not ) Tj ET Q q 0 0 0 rg BT 358.66 586.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 404.28 586.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 442.12 586.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 468.02 586.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 503.08 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 517.58 586.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (based ) Tj ET Q q 0 0 0 rg BT 74.24 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 85.71 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.40 574.10 Td (type ) Tj ET Q q 0 0 0 rg BT 118.09 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.89 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 146.58 574.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 187.74 574.10 Td (if ) Tj ET Q q 0 0 0 rg BT 195.32 574.10 Td (any) Tj ET Q q 0 0 0 rg BT 209.11 574.10 Td (, ) Tj ET Q q 0 0 0 rg BT 213.08 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.99 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.68 574.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 278.59 574.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 302.83 574.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 319.30 574.10 Td (rating. ) Tj ET Q q 0 0 0 rg BT 346.59 574.10 Td (Determination ) Tj ET Q q 0 0 0 rg BT 405.82 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.63 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.31 574.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 471.32 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 479.46 574.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 521.47 574.10 Td (subjective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.79 562.10 Td (it ) Tj ET Q q 0 0 0 rg BT 68.82 562.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 103.49 562.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 148.17 562.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 190.34 562.10 Td (including ) Tj ET Q q 0 0 0 rg BT 230.58 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.26 562.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 281.61 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.52 562.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 327.09 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.89 562.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 375.89 562.10 Td (future ) Tj ET Q q 0 0 0 rg BT 402.23 562.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 422.46 562.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 447.15 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 459.61 562.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 497.62 562.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 523.69 562.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 75.90 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.90 550.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 111.58 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 121.92 550.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 179.47 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 202.58 550.10 Td (based ) Tj ET Q q 0 0 0 rg BT 227.36 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 239.36 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.58 550.10 Td (average ) Tj ET Q q 0 0 0 rg BT 286.67 550.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 325.89 550.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 343.46 550.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 391.27 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.71 550.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 463.59 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.92 550.10 Td (current ) Tj ET Q q 0 0 0 rg BT 504.25 550.10 Td (environmental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 78.54 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.32 538.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 134.53 538.10 Td (trends, ) Tj ET Q q 0 0 0 rg BT 162.80 538.10 Td (all ) Tj ET Q q 0 0 0 rg BT 174.14 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.80 538.10 Td (which ) Tj ET Q q 0 0 0 rg BT 209.58 538.10 Td (may ) Tj ET Q q 0 0 0 rg BT 228.13 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 238.91 538.10 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 284.68 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.79 538.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 337.34 538.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 369.49 538.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 391.38 538.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 416.61 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 430.15 538.10 Td (char) Tj ET Q q 0 0 0 rg BT 447.18 538.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 462.95 538.10 Td (of) Tj ET Q q 0 0 0 rg BT 471.10 538.10 Td (f ) Tj ET Q q 0 0 0 rg BT 475.77 538.10 Td (against ) Tj ET Q q 0 0 0 rg BT 505.43 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.98 538.10 Td (allowance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (while ) Tj ET Q q 0 0 0 rg BT 74.34 526.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 117.55 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 131.88 526.10 Td (credited ) Tj ET Q q 0 0 0 rg BT 166.20 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 176.10 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.44 526.10 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 235.13 526.10 Td (A) Tj ET Q q 0 0 0 rg BT 241.80 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.92 526.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 283.82 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 297.61 526.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 322.49 526.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 348.51 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 357.30 526.10 Td (char) Tj ET Q q 0 0 0 rg BT 374.33 526.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 390.89 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 400.79 526.10 Td (income ) Tj ET Q q 0 0 0 rg BT 432.35 526.10 Td (based ) Tj ET Q q 0 0 0 rg BT 457.24 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 469.36 526.10 Td (management) Tj ET Q q 0 0 0 rg BT 523.23 526.10 Td (s ) Tj ET Q q 0 0 0 rg BT 529.24 526.10 Td (periodic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 93.84 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.36 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.77 514.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 148.16 514.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 192.57 514.10 Td (mentioned, ) Tj ET Q q 0 0 0 rg BT 239.47 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 249.99 514.10 Td (well ) Tj ET Q q 0 0 0 rg BT 269.40 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 279.92 514.10 Td (other ) Tj ET Q q 0 0 0 rg BT 302.66 514.10 Td (pertinent ) Tj ET Q q 0 0 0 rg BT 340.39 514.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 372.29 514.10 Td (Evaluations ) Tj ET Q q 0 0 0 rg BT 421.69 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 436.08 514.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 479.37 514.10 Td (at ) Tj ET Q q 0 0 0 rg BT 488.77 514.10 Td (least ) Tj ET Q q 0 0 0 rg BT 509.29 514.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 547.57 514.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (more ) Tj ET Q q 0 0 0 rg BT 73.05 502.10 Td (frequently ) Tj ET Q q 0 0 0 rg BT 116.64 502.10 Td (if ) Tj ET Q q 0 0 0 rg BT 125.25 502.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 158.84 502.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 197.06 502.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 77.12 481.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 123.13 481.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 161.36 481.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 204.58 481.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.49 481.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.73 481.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 274.29 481.10 Td (with ) Tj ET Q q 0 0 0 rg BT 294.20 481.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 331.87 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.33 481.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 367.23 481.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 397.14 481.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 450.36 481.10 Td (since ) Tj ET Q q 0 0 0 rg BT 473.04 481.10 Td (origination, ) Tj ET Q q 0 0 0 rg BT 521.56 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.91 481.10 Td (excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.32 469.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 80.09 469.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 104.30 469.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 141.83 469.10 Td (at ) Tj ET Q q 0 0 0 rg BT 151.04 469.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 196.92 469.10 Td (over ) Tj ET Q q 0 0 0 rg BT 216.68 469.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.89 469.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 271.21 469.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 287.08 469.10 Td (value ) Tj ET Q q 0 0 0 rg BT 310.73 469.10 Td (is ) Tj ET Q q 0 0 0 rg BT 319.39 469.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 353.02 469.10 Td (to ) Tj ET Q q 0 0 0 rg BT 362.80 469.10 Td (as ) Tj ET Q q 0 0 0 rg BT 373.12 469.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.33 469.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 429.85 469.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 451.84 469.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.27 469.10 Td (is ) Tj ET Q q 0 0 0 rg BT 476.93 469.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 522.79 469.10 Td (in ) Tj ET Q q 0 0 0 rg BT 532.56 469.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (income ) Tj ET Q q 0 0 0 rg BT 82.00 457.10 Td (over ) Tj ET Q q 0 0 0 rg BT 102.34 457.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.12 457.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 160.23 457.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 201.12 457.10 Td (life ) Tj ET Q q 0 0 0 rg BT 217.02 457.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.92 457.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.70 457.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 268.88 457.10 Td (using ) Tj ET Q q 0 0 0 rg BT 293.12 457.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.90 457.10 Td (ef) Tj ET Q q 0 0 0 rg BT 315.49 457.10 Td (fective-interest ) Tj ET Q q 0 0 0 rg BT 378.02 457.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 412.90 457.10 Td (The ) Tj ET Q q 0 0 0 rg BT 431.02 457.10 Td (dif) Tj ET Q q 0 0 0 rg BT 441.94 457.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 473.93 457.10 Td (between ) Tj ET Q q 0 0 0 rg BT 509.81 457.10 Td (contractually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (required ) Tj ET Q q 0 0 0 rg BT 86.50 445.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 128.01 445.10 Td (at ) Tj ET Q q 0 0 0 rg BT 138.42 445.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 185.48 445.10 Td (and ) Tj ET Q q 0 0 0 rg BT 203.11 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.51 445.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 239.47 445.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 264.87 445.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 303.59 445.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.56 445.10 Td (be ) Tj ET Q q 0 0 0 rg BT 327.18 445.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 366.46 445.10 Td (at ) Tj ET Q q 0 0 0 rg BT 376.86 445.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 423.93 445.10 Td (is ) Tj ET Q q 0 0 0 rg BT 433.78 445.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 468.60 445.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.57 445.10 Td (as ) Tj ET Q q 0 0 0 rg BT 491.08 445.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.49 445.10 Td (nonaccretable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 433.10 Td (ference. ) Tj ET Q q 0 0 0 rg BT 95.59 433.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 132.77 433.10 Td (in ) Tj ET Q q 0 0 0 rg BT 143.30 433.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.26 433.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 196.54 433.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 217.05 433.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 242.02 433.10 Td (from ) Tj ET Q q 0 0 0 rg BT 264.20 433.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.16 433.10 Td (date ) Tj ET Q q 0 0 0 rg BT 298.56 433.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.64 433.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 356.27 433.10 Td (will ) Tj ET Q q 0 0 0 rg BT 374.57 433.10 Td (either ) Tj ET Q q 0 0 0 rg BT 400.08 433.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 430.04 433.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.00 433.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 488.26 433.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 511.00 433.10 Td (or ) Tj ET Q q 0 0 0 rg BT 522.08 433.10 Td (result ) Tj ET Q q 0 0 0 rg BT 547.04 433.10 Td (in ) Tj ET Q q 0 0 0 rg BT 557.56 433.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 421.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 78.55 421.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.41 421.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.71 421.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 142.57 421.10 Td (for ) Tj ET Q q 0 0 0 rg BT 156.32 421.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 181.17 421.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 209.64 421.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 257.83 421.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 298.22 421.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.09 421.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 345.70 421.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 383.33 421.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 403.18 421.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 427.49 421.10 Td (will ) Tj ET Q q 0 0 0 rg BT 445.13 421.10 Td (result ) Tj ET Q q 0 0 0 rg BT 469.43 421.10 Td (in ) Tj ET Q q 0 0 0 rg BT 479.29 421.10 Td (a ) Tj ET Q q 0 0 0 rg BT 485.81 421.10 Td (char) Tj ET Q q 0 0 0 rg BT 502.84 421.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 514.36 421.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.22 421.10 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.86 409.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 88.83 409.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 114.93 409.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.57 409.10 Td (a ) Tj ET Q q 0 0 0 rg BT 138.22 409.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 197.63 409.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 232.59 409.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.57 409.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 285.31 409.10 Td (for ) Tj ET Q q 0 0 0 rg BT 299.17 409.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 318.59 409.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 347.19 409.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 395.50 409.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 434.35 409.10 Td (in ) Tj ET Q q 0 0 0 rg BT 444.33 409.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 482.07 409.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 519.82 409.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 539.79 409.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.13 397.10 Td (result ) Tj ET Q q 0 0 0 rg BT 92.92 397.10 Td (in ) Tj ET Q q 0 0 0 rg BT 103.26 397.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 140.81 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.71 397.10 Td (any ) Tj ET Q q 0 0 0 rg BT 168.72 397.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 213.51 397.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 251.05 397.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 294.16 397.10 Td (for ) Tj ET Q q 0 0 0 rg BT 308.39 397.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 328.18 397.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 357.14 397.10 Td (to ) Tj ET Q q 0 0 0 rg BT 367.49 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.28 397.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 409.28 397.10 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 455.44 397.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.45 397.10 Td (a ) Tj ET Q q 0 0 0 rg BT 479.46 397.10 Td (reclassification ) Tj ET Q q 0 0 0 rg BT 542.56 397.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 107.65 385.10 Td (dif) Tj ET Q q 0 0 0 rg BT 118.58 385.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 150.12 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 160.03 385.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 202.68 385.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 224.80 385.10 Td (for ) Tj ET Q q 0 0 0 rg BT 238.59 385.10 Td (any ) Tj ET Q q 0 0 0 rg BT 255.16 385.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 297.83 385.10 Td (increase. ) Tj ET Q q 0 0 0 rg BT 334.75 385.10 Td (All ) Tj ET Q q 0 0 0 rg BT 349.66 385.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 383.99 385.10 Td (in ) Tj ET Q q 0 0 0 rg BT 393.90 385.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 431.57 385.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 463.13 385.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 483.03 385.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 509.88 385.10 Td (including ) Tj ET Q q 0 0 0 rg BT 549.78 385.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.71 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.54 373.10 Td (prepayments, ) Tj ET Q q 0 0 0 rg BT 146.64 373.10 Td (will ) Tj ET Q q 0 0 0 rg BT 164.69 373.10 Td (result ) Tj ET Q q 0 0 0 rg BT 189.41 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.69 373.10 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 266.61 373.10 Td (to/from ) Tj ET Q q 0 0 0 rg BT 299.10 373.10 Td (nonaccretable ) Tj ET Q q 0 0 0 rg BT 357.12 373.10 Td (dif) Tj ET Q q 0 0 0 rg BT 368.05 373.10 Td (ferences.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.53 352.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 106.39 352.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 145.12 352.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 174.71 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.13 352.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 232.22 352.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 272.62 352.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 296.93 352.10 Td (for ) Tj ET Q q 0 0 0 rg BT 311.79 352.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 361.08 352.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.06 352.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 419.52 352.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 442.17 352.10 Td (310, ) Tj ET Q q 0 0 0 rg BT 462.87 352.10 Td (Receivables. ) Tj ET Q q 0 0 0 rg BT 525.05 352.10 Td (A) Tj ET Q q 0 0 0 rg BT 531.72 352.10 Td ( ) Tj ET Q q 0 0 0 rg BT 534.92 352.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 555.34 352.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 96.54 340.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 135.30 340.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 162.68 340.10 Td (based ) Tj ET Q q 0 0 0 rg BT 188.67 340.10 Td (on ) Tj ET Q q 0 0 0 rg BT 201.89 340.10 Td (current ) Tj ET Q q 0 0 0 rg BT 233.42 340.10 Td (information ) Tj ET Q q 0 0 0 rg BT 283.85 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 301.51 340.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 332.78 340.10 Td (it ) Tj ET Q q 0 0 0 rg BT 341.56 340.10 Td (is ) Tj ET Q q 0 0 0 rg BT 351.45 340.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 389.65 340.10 Td (that ) Tj ET Q q 0 0 0 rg BT 407.87 340.10 Td (a ) Tj ET Q q 0 0 0 rg BT 415.53 340.10 Td (creditor ) Tj ET Q q 0 0 0 rg BT 449.84 340.10 Td (will ) Tj ET Q q 0 0 0 rg BT 468.62 340.10 Td (be ) Tj ET Q q 0 0 0 rg BT 481.28 340.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 511.15 340.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.15 340.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 552.02 340.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 328.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.48 328.10 Td (due ) Tj ET Q q 0 0 0 rg BT 103.50 328.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 140.53 328.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.90 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.71 328.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 212.71 328.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 237.52 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.44 328.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.25 328.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 285.55 328.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 324.23 328.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 347.93 328.10 Td (include ) Tj ET Q q 0 0 0 rg BT 379.96 328.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 429.74 328.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 455.94 328.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 506.28 328.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 529.98 328.10 Td (or ) Tj ET Q q 0 0 0 rg BT 540.90 328.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.76 316.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 107.28 316.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 134.81 316.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 166.23 316.10 Td (at ) Tj ET Q q 0 0 0 rg BT 175.42 316.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 194.91 316.10 Td (even ) Tj ET Q q 0 0 0 rg BT 215.76 316.10 Td (if ) Tj ET Q q 0 0 0 rg BT 223.85 316.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.05 316.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 257.25 316.10 Td (is ) Tj ET Q q 0 0 0 rg BT 265.90 316.10 Td (current ) Tj ET Q q 0 0 0 rg BT 296.20 316.10 Td (with ) Tj ET Q q 0 0 0 rg BT 315.96 316.10 Td (all ) Tj ET Q q 0 0 0 rg BT 327.94 316.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 368.24 316.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.55 316.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 416.08 316.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.50 316.10 Td (interest. ) Tj ET Q q 0 0 0 rg BT 466.41 316.10 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 515.04 316.10 Td (is ) Tj ET Q q 0 0 0 rg BT 523.70 316.10 Td (measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.33 304.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 106.33 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.88 304.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 137.09 304.10 Td (value ) Tj ET Q q 0 0 0 rg BT 161.07 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.74 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.29 304.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 205.84 304.10 Td (based ) Tj ET Q q 0 0 0 rg BT 230.94 304.10 Td (on ) Tj ET Q q 0 0 0 rg BT 243.27 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.82 304.10 Td (present ) Tj ET Q q 0 0 0 rg BT 289.03 304.10 Td (value ) Tj ET Q q 0 0 0 rg BT 313.02 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.68 304.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 361.55 304.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 381.65 304.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 408.70 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.25 304.10 Td (market ) Tj ET Q q 0 0 0 rg BT 453.35 304.10 Td (price ) Tj ET Q q 0 0 0 rg BT 475.67 304.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.33 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.88 304.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 522.93 304.10 Td (or ) Tj ET Q q 0 0 0 rg BT 533.59 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 548.14 304.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.36 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.40 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.32 292.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 146.35 292.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 186.26 292.10 Td (less ) Tj ET Q q 0 0 0 rg BT 203.96 292.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 226.67 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.16 292.10 Td (sell. ) Tj ET Q q 0 0 0 rg BT 256.25 292.10 Td (If ) Tj ET Q q 0 0 0 rg BT 265.62 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.54 292.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 321.57 292.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 338.15 292.10 Td (value ) Tj ET Q q 0 0 0 rg BT 362.51 292.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.55 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.47 292.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 408.39 292.10 Td (is ) Tj ET Q q 0 0 0 rg BT 417.77 292.10 Td (less ) Tj ET Q q 0 0 0 rg BT 435.48 292.10 Td (than ) Tj ET Q q 0 0 0 rg BT 455.40 292.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.32 292.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 508.01 292.10 Td (book ) Tj ET Q q 0 0 0 rg BT 530.71 292.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 557.57 292.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 89.54 280.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 132.39 280.10 Td (is ) Tj ET Q q 0 0 0 rg BT 141.39 280.10 Td (established ) Tj ET Q q 0 0 0 rg BT 188.14 280.10 Td (as ) Tj ET Q q 0 0 0 rg BT 198.80 280.10 Td (a ) Tj ET Q q 0 0 0 rg BT 205.56 280.10 Td (component ) Tj ET Q q 0 0 0 rg BT 252.32 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.97 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.51 280.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 320.37 280.10 Td (for ) Tj ET Q q 0 0 0 rg BT 334.36 280.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 353.90 280.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 382.61 280.10 Td ( ) Tj ET Q q 0 0 0 rg BT 384.94 280.10 Td (For ) Tj ET Q q 0 0 0 rg BT 400.98 280.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 427.20 280.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.30 280.10 Td (which ) Tj ET Q q 0 0 0 rg BT 464.07 280.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 512.49 280.10 Td (is ) Tj ET Q q 0 0 0 rg BT 521.48 280.10 Td (calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.24 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.69 268.10 Td (present ) Tj ET Q q 0 0 0 rg BT 107.80 268.10 Td (value ) Tj ET Q q 0 0 0 rg BT 131.69 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.26 268.10 Td (future ) Tj ET Q q 0 0 0 rg BT 168.37 268.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 188.37 268.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 215.33 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.78 268.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 270.90 268.10 Td (records ) Tj ET Q q 0 0 0 rg BT 302.57 268.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 334.24 268.10 Td (income ) Tj ET Q q 0 0 0 rg BT 365.91 268.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 417.56 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.02 268.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 468.67 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 478.68 268.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 527.01 268.10 Td (resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.84 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.46 256.10 Td (passage ) Tj ET Q q 0 0 0 rg BT 119.95 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 130.68 256.10 Td (time ) Tj ET Q q 0 0 0 rg BT 150.86 256.10 Td (during ) Tj ET Q q 0 0 0 rg BT 179.37 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.98 256.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 236.91 256.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 267.36 256.10 Td (which ) Tj ET Q q 0 0 0 rg BT 294.20 256.10 Td (dif) Tj ET Q q 0 0 0 rg BT 305.13 256.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 322.52 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 344.36 256.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 376.19 256.10 Td (income ) Tj ET Q q 0 0 0 rg BT 408.02 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 429.86 256.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 484.46 256.10 Td (required ) Tj ET Q q 0 0 0 rg BT 520.17 256.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 552.01 256.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (these ) Tj ET Q q 0 0 0 rg BT 73.05 244.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 106.64 244.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.63 223.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.59 223.10 Td (also ) Tj ET Q q 0 0 0 rg BT 126.78 223.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 167.74 223.10 Td (an ) Tj ET Q q 0 0 0 rg BT 179.26 223.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 221.87 223.10 Td (for ) Tj ET Q q 0 0 0 rg BT 235.61 223.10 Td (lending-related ) Tj ET Q q 0 0 0 rg BT 298.21 223.10 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 357.23 223.10 Td (specifically ) Tj ET Q q 0 0 0 rg BT 405.40 223.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 445.25 223.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 464.54 223.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 521.06 223.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.58 223.10 Td (letters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.89 211.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 88.72 211.10 Td (to ) Tj ET Q q 0 0 0 rg BT 99.06 211.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 132.16 211.10 Td (for ) Tj ET Q q 0 0 0 rg BT 146.38 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.16 211.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 178.72 211.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.61 211.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 207.74 211.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 243.06 211.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.40 211.10 Td (these ) Tj ET Q q 0 0 0 rg BT 276.51 211.10 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 335.25 211.10 Td (The ) Tj ET Q q 0 0 0 rg BT 353.35 211.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 396.45 211.10 Td (is ) Tj ET Q q 0 0 0 rg BT 405.68 211.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 447.67 211.10 Td (using ) Tj ET Q q 0 0 0 rg BT 471.90 211.10 Td (a ) Tj ET Q q 0 0 0 rg BT 478.90 211.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 534.24 211.10 Td (similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.86 199.10 Td (that ) Tj ET Q q 0 0 0 rg BT 76.93 199.10 Td (used ) Tj ET Q q 0 0 0 rg BT 97.34 199.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.20 199.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 149.26 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.56 199.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 206.17 199.10 Td (for ) Tj ET Q q 0 0 0 rg BT 219.91 199.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 239.21 199.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 267.53 199.10 Td (This ) Tj ET Q q 0 0 0 rg BT 287.39 199.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 330.00 199.10 Td (is ) Tj ET Q q 0 0 0 rg BT 338.75 199.10 Td (included ) Tj ET Q q 0 0 0 rg BT 375.26 199.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.12 199.10 Td (other ) Tj ET Q q 0 0 0 rg BT 407.75 199.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 447.05 199.10 Td (on ) Tj ET Q q 0 0 0 rg BT 459.13 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.42 199.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 513.82 199.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.23 199.10 Td (condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (while ) Tj ET Q q 0 0 0 rg BT 74.72 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.43 187.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 149.14 187.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 189.42 187.10 Td (for ) Tj ET Q q 0 0 0 rg BT 203.58 187.10 Td (these ) Tj ET Q q 0 0 0 rg BT 226.63 187.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 253.02 187.10 Td (is ) Tj ET Q q 0 0 0 rg BT 262.19 187.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 299.66 187.10 Td (as ) Tj ET Q q 0 0 0 rg BT 310.49 187.10 Td (a ) Tj ET Q q 0 0 0 rg BT 317.43 187.10 Td (component ) Tj ET Q q 0 0 0 rg BT 364.37 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.20 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.91 187.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 430.19 187.10 Td (for ) Tj ET Q q 0 0 0 rg BT 444.35 187.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 469.61 187.10 Td (losses.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Mortgage Servicing Rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.39 145.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 132.23 145.10 Td (Rights ) Tj ET Q q 0 0 0 rg BT 160.86 145.10 Td (\(MSRs\) ) Tj ET Q q 0 0 0 rg BT 203.92 145.10 Td (are ) Tj ET Q q 0 0 0 rg BT 218.64 145.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 256.13 145.10 Td (in ) Tj ET Q q 0 0 0 rg BT 266.42 145.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.15 145.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 336.43 145.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 382.83 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.67 145.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 436.19 145.10 Td (at ) Tj ET Q q 0 0 0 rg BT 445.92 145.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 462.30 145.10 Td (value ) Tj ET Q q 0 0 0 rg BT 486.47 145.10 Td (in ) Tj ET Q q 0 0 0 rg BT 496.76 145.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 544.24 145.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 72.15 133.10 Td (860, ) Tj ET Q q 0 0 0 rg BT 92.35 133.10 Td (T) Tj ET Q q 0 0 0 rg BT 102.54 133.10 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 136.89 133.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.02 133.10 Td (Servicing. ) Tj ET Q q 0 0 0 rg BT 201.79 133.10 Td (The ) Tj ET Q q 0 0 0 rg BT 220.03 133.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 261.62 133.10 Td (originates ) Tj ET Q q 0 0 0 rg BT 303.75 133.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 344.21 133.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 368.01 133.10 Td (for ) Tj ET Q q 0 0 0 rg BT 382.37 133.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 400.61 133.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.09 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.00 133.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 469.24 133.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 502.20 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.11 133.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 553.69 133.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.48 121.10 Td (are ) Tj ET Q q 0 0 0 rg BT 92.73 121.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 112.44 121.10 Td (without ) Tj ET Q q 0 0 0 rg BT 146.04 121.10 Td (retaining ) Tj ET Q q 0 0 0 rg BT 184.62 121.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 224.32 121.10 Td (rights. ) Tj ET Q q 0 0 0 rg BT 252.41 121.10 Td (There ) Tj ET Q q 0 0 0 rg BT 278.77 121.10 Td (are ) Tj ET Q q 0 0 0 rg BT 294.02 121.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 324.26 121.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 350.91 121.10 Td (however) Tj ET Q q 0 0 0 rg BT 384.94 121.10 Td (, ) Tj ET Q q 0 0 0 rg BT 390.48 121.10 Td (that ) Tj ET Q q 0 0 0 rg BT 408.52 121.10 Td (are ) Tj ET Q q 0 0 0 rg BT 423.77 121.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 467.35 121.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.83 121.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 504.54 121.10 Td (with ) Tj ET Q q 0 0 0 rg BT 525.36 121.10 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 75.23 109.10 Td (retained. ) Tj ET Q q 0 0 0 rg BT 112.39 109.10 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 139.86 109.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 183.41 109.10 Td (with ) Tj ET Q q 0 0 0 rg BT 203.65 109.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 227.21 109.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 270.21 109.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.10 109.10 Td (sold, ) Tj ET Q q 0 0 0 rg BT 308.73 109.10 Td (where ) Tj ET Q q 0 0 0 rg BT 335.62 109.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 374.73 109.10 Td (is ) Tj ET Q q 0 0 0 rg BT 383.85 109.10 Td (retained, ) Tj ET Q q 0 0 0 rg BT 421.01 109.10 Td (are ) Tj ET Q q 0 0 0 rg BT 435.67 109.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 481.44 109.10 Td (at ) Tj ET Q q 0 0 0 rg BT 491.11 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.78 109.10 Td (time ) Tj ET Q q 0 0 0 rg BT 526.01 109.10 Td (of ) Tj ET Q q 0 0 0 rg BT 536.80 109.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 554.80 109.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.24 97.10 Td (value ) Tj ET Q q 0 0 0 rg BT 90.27 97.10 Td (based ) Tj ET Q q 0 0 0 rg BT 115.40 97.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.77 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.35 97.10 Td (future ) Tj ET Q q 0 0 0 rg BT 168.60 97.10 Td (net ) Tj ET Q q 0 0 0 rg BT 183.18 97.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 203.32 97.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 227.91 97.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 265.81 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.95 97.10 Td (be ) Tj ET Q q 0 0 0 rg BT 287.76 97.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 321.76 97.10 Td (for ) Tj ET Q q 0 0 0 rg BT 335.79 97.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 383.14 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.73 97.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 436.75 97.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 477.72 97.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.52 97.10 Td (included ) Tj ET Q q 0 0 0 rg BT 531.32 97.10 Td (in ) Tj ET Q q 0 0 0 rg BT 541.47 97.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.41 85.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.27 85.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.56 85.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 154.42 85.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 200.38 85.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.79 85.10 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 255.22 85.10 Td (The ) Tj ET Q q 0 0 0 rg BT 272.84 85.10 Td (change ) Tj ET Q q 0 0 0 rg BT 303.24 85.10 Td (in ) Tj ET Q q 0 0 0 rg BT 313.10 85.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.39 85.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 343.35 85.10 Td (value ) Tj ET Q q 0 0 0 rg BT 367.08 85.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.49 85.10 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 404.59 85.10 Td (is ) Tj ET Q q 0 0 0 rg BT 413.33 85.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 450.39 85.10 Td (as ) Tj ET Q q 0 0 0 rg BT 460.80 85.10 Td (a ) Tj ET Q q 0 0 0 rg BT 467.32 85.10 Td (component ) Tj ET Q q 0 0 0 rg BT 513.83 85.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.24 85.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.13 73.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 117.70 73.10 Td (in ) Tj ET Q q 0 0 0 rg BT 127.39 73.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 177.07 73.10 Td (income ) Tj ET Q q 0 0 0 rg BT 208.42 73.10 Td (in ) Tj ET Q q 0 0 0 rg BT 218.12 73.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.25 73.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 286.94 73.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 332.74 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.98 73.10 Td (Income. ) Tj ET Q q 0 0 0 rg BT 376.96 73.10 Td (A) Tj ET Q q 0 0 0 rg BT 383.63 73.10 Td ( ) Tj ET Q q 0 0 0 rg BT 385.55 73.10 Td (third ) Tj ET Q q 0 0 0 rg BT 406.35 73.10 Td (party ) Tj ET Q q 0 0 0 rg BT 428.82 73.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 467.94 73.10 Td (is ) Tj ET Q q 0 0 0 rg BT 476.53 73.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 512.88 73.10 Td (for ) Tj ET Q q 0 0 0 rg BT 526.46 73.10 Td (purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.81 61.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 104.94 61.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 121.29 61.10 Td (value ) Tj ET Q q 0 0 0 rg BT 145.43 61.10 Td (related ) Tj ET Q q 0 0 0 rg BT 175.10 61.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.36 61.10 Td (a ) Tj ET Q q 0 0 0 rg BT 192.28 61.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 223.64 61.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.45 61.10 Td (MSRs. ) Tj ET Q q 0 0 0 rg BT 264.26 61.10 Td (This ) Tj ET Q q 0 0 0 rg BT 284.51 61.10 Td (third ) Tj ET Q q 0 0 0 rg BT 305.88 61.10 Td (party ) Tj ET Q q 0 0 0 rg BT 328.90 61.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 368.59 61.10 Td (stratifies ) Tj ET Q q 0 0 0 rg BT 405.50 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.20 61.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 459.33 61.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 484.58 61.10 Td (into ) Tj ET Q q 0 0 0 rg BT 502.62 61.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 526.76 61.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 61.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 49.10 Td (homogenous ) Tj ET Q q 0 0 0 rg BT 103.25 49.10 Td (characteristics, ) Tj ET Q q 0 0 0 rg BT 165.08 49.10 Td (such ) Tj ET Q q 0 0 0 rg BT 185.55 49.10 Td (as ) Tj ET Q q 0 0 0 rg BT 196.02 49.10 Td (product ) Tj ET Q q 0 0 0 rg BT 228.71 49.10 Td (type ) Tj ET Q q 0 0 0 rg BT 248.07 49.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.65 49.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 296.22 49.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 315.69 49.10 Td (The ) Tj ET Q q 0 0 0 rg BT 333.38 49.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 349.40 49.10 Td (value ) Tj ET Q q 0 0 0 rg BT 373.19 49.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.67 49.10 Td (each ) Tj ET Q q 0 0 0 rg BT 404.12 49.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 442.92 49.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 467.84 49.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 487.76 49.10 Td (is ) Tj ET Q q 0 0 0 rg BT 496.57 49.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 539.24 49.10 Td (based ) Tj ET Q endstream endobj 213 0 obj <> endobj 214 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (106) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.81 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.85 742.10 Td (present ) Tj ET Q q 0 0 0 rg BT 109.54 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 134.01 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 145.15 742.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 186.29 742.10 Td (future ) Tj ET Q q 0 0 0 rg BT 212.98 742.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 233.56 742.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 258.60 742.10 Td (using ) Tj ET Q q 0 0 0 rg BT 283.09 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 290.34 742.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 327.04 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 344.84 742.10 Td (commensurate ) Tj ET Q q 0 0 0 rg BT 405.97 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 426.56 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.59 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 459.41 742.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 503.32 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 523.91 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 541.72 742.10 Td (pool, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (given ) Tj ET Q q 0 0 0 rg BT 75.09 730.10 Td (current ) Tj ET Q q 0 0 0 rg BT 106.29 730.10 Td (market ) Tj ET Q q 0 0 0 rg BT 136.93 730.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 183.97 730.10 Td (Estimates ) Tj ET Q q 0 0 0 rg BT 225.73 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.94 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 253.69 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 278.22 730.10 Td (include ) Tj ET Q q 0 0 0 rg BT 310.54 730.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 362.86 730.10 Td (about ) Tj ET Q q 0 0 0 rg BT 387.96 730.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 438.04 730.10 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 470.07 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 502.38 730.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 524.14 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 730.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 80.05 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 107.33 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 122.38 718.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 153.55 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.17 718.10 Td (change ) Tj ET Q q 0 0 0 rg BT 195.33 718.10 Td (over ) Tj ET Q q 0 0 0 rg BT 215.94 718.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 239.06 718.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 276.34 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.96 718.10 Td (these ) Tj ET Q q 0 0 0 rg BT 310.35 718.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 356.52 718.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 408.81 718.10 Td (could ) Tj ET Q q 0 0 0 rg BT 433.87 718.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 458.92 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.98 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 490.70 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 515.20 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 526.38 718.10 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 554.23 718.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (change ) Tj ET Q q 0 0 0 rg BT 80.82 706.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 133.31 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 143.58 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.30 706.10 Td (future.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 59.63 682.10 Td (emises and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (Premises ) Tj ET Q q 0 0 0 rg BT 88.98 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.29 661.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 153.88 661.10 Td (including ) Tj ET Q q 0 0 0 rg BT 194.52 661.10 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 235.16 661.10 Td (improvements, ) Tj ET Q q 0 0 0 rg BT 297.74 661.10 Td (are ) Tj ET Q q 0 0 0 rg BT 312.82 661.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 339.02 661.10 Td (at ) Tj ET Q q 0 0 0 rg BT 349.11 661.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 368.09 661.10 Td (less ) Tj ET Q q 0 0 0 rg BT 385.96 661.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 439.36 661.10 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 491.65 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.97 661.10 Td (amortization. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Depreciation ) Tj ET Q q 0 0 0 rg BT 104.37 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 121.53 649.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 174.79 649.10 Td (are ) Tj ET Q q 0 0 0 rg BT 189.73 649.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 231.89 649.10 Td (using ) Tj ET Q q 0 0 0 rg BT 256.28 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.23 649.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 322.27 649.10 Td (method ) Tj ET Q q 0 0 0 rg BT 354.99 649.10 Td (over ) Tj ET Q q 0 0 0 rg BT 375.49 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.43 649.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 431.48 649.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 458.64 649.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 480.25 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.31 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.25 649.10 Td (related ) Tj ET Q q 0 0 0 rg BT 536.18 649.10 Td (assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (Useful ) Tj ET Q q 0 0 0 rg BT 78.86 637.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 99.95 637.10 Td (range ) Tj ET Q q 0 0 0 rg BT 124.36 637.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.00 637.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.00 637.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.20 637.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.18 637.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.18 637.10 Td ( ) Tj ET Q q 0 0 0 rg BT 185.39 637.10 Td (years ) Tj ET Q q 0 0 0 rg BT 208.69 637.10 Td (for ) Tj ET Q q 0 0 0 rg BT 222.55 637.10 Td (furniture, ) Tj ET Q q 0 0 0 rg BT 262.24 637.10 Td (fixtures ) Tj ET Q q 0 0 0 rg BT 294.99 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.63 637.10 Td (equipment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.54 637.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.54 637.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.74 637.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.72 637.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.27 637.10 Td ( ) Tj ET Q q 0 0 0 rg BT 403.47 637.10 Td (years ) Tj ET Q q 0 0 0 rg BT 426.77 637.10 Td (for ) Tj ET Q q 0 0 0 rg BT 440.63 637.10 Td (software ) Tj ET Q q 0 0 0 rg BT 477.27 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 493.91 637.10 Td (computer) Tj ET Q q 0 0 0 rg BT 531.47 637.10 Td (-related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 95.03 625.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.29 625.10 Td (seven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.06 625.10 Td ( ) Tj ET Q q 0 0 0 rg BT 137.88 625.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.47 625.10 Td (39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.47 625.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.29 625.10 Td (years ) Tj ET Q q 0 0 0 rg BT 185.21 625.10 Td (for ) Tj ET Q q 0 0 0 rg BT 199.69 625.10 Td (buildings ) Tj ET Q q 0 0 0 rg BT 239.73 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.99 625.10 Td (improvements. ) Tj ET Q q 0 0 0 rg BT 319.52 625.10 Td (Land ) Tj ET Q q 0 0 0 rg BT 342.89 625.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 402.92 625.10 Td (are ) Tj ET Q q 0 0 0 rg BT 417.94 625.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 460.74 625.10 Td (over ) Tj ET Q q 0 0 0 rg BT 481.33 625.10 Td (a ) Tj ET Q q 0 0 0 rg BT 488.59 625.10 Td (period ) Tj ET Q q 0 0 0 rg BT 516.95 625.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.10 625.10 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.10 625.10 Td ( ) Tj ET Q q 0 0 0 rg BT 540.92 625.10 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.46 613.10 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 108.25 613.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 168.49 613.10 Td (are ) Tj ET Q q 0 0 0 rg BT 183.73 613.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 226.73 613.10 Td (over ) Tj ET Q q 0 0 0 rg BT 247.53 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.77 613.10 Td (shorter ) Tj ET Q q 0 0 0 rg BT 293.57 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.92 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.17 613.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 347.63 613.10 Td (life ) Tj ET Q q 0 0 0 rg BT 363.98 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.34 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.58 613.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 446.93 613.10 Td (or ) Tj ET Q q 0 0 0 rg BT 458.29 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.53 613.10 Td (term ) Tj ET Q q 0 0 0 rg BT 494.88 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.24 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.48 613.10 Td (respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 72.31 601.10 Td (including ) Tj ET Q q 0 0 0 rg BT 112.40 601.10 Td (any ) Tj ET Q q 0 0 0 rg BT 129.16 601.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 151.47 601.10 Td (renewals ) Tj ET Q q 0 0 0 rg BT 189.33 601.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 222.74 601.10 Td (to ) Tj ET Q q 0 0 0 rg BT 232.84 601.10 Td (be ) Tj ET Q q 0 0 0 rg BT 244.60 601.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 290.24 601.10 Td (assured. ) Tj ET Q q 0 0 0 rg BT 325.05 601.10 Td (Land ) Tj ET Q q 0 0 0 rg BT 347.92 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.68 601.10 Td (antique ) Tj ET Q q 0 0 0 rg BT 396.44 601.10 Td (furnishings ) Tj ET Q q 0 0 0 rg BT 443.76 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.52 601.10 Td (artwork ) Tj ET Q q 0 0 0 rg BT 493.94 601.10 Td (are ) Tj ET Q q 0 0 0 rg BT 508.47 601.10 Td (not ) Tj ET Q q 0 0 0 rg BT 523.57 601.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.22 601.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (depreciation. ) Tj ET Q q 0 0 0 rg BT 105.12 589.10 Td (Expenditures ) Tj ET Q q 0 0 0 rg BT 161.08 589.10 Td (for ) Tj ET Q q 0 0 0 rg BT 175.93 589.10 Td (major ) Tj ET Q q 0 0 0 rg BT 202.46 589.10 Td (additions ) Tj ET Q q 0 0 0 rg BT 242.32 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.96 589.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 320.36 589.10 Td (are ) Tj ET Q q 0 0 0 rg BT 335.77 589.10 Td (capitalized, ) Tj ET Q q 0 0 0 rg BT 384.77 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.41 589.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 456.13 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.77 589.10 Td (repairs ) Tj ET Q q 0 0 0 rg BT 504.17 589.10 Td (are ) Tj ET Q q 0 0 0 rg BT 519.58 589.10 Td (char) Tj ET Q q 0 0 0 rg BT 536.60 589.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 554.24 589.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.84 577.10 Td (as ) Tj ET Q q 0 0 0 rg BT 95.81 577.10 Td (incurred. ) Tj ET Q q 0 0 0 rg BT 134.26 577.10 Td (Internal ) Tj ET Q q 0 0 0 rg BT 167.99 577.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 190.63 577.10 Td (related ) Tj ET Q q 0 0 0 rg BT 220.46 577.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.88 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.73 577.10 Td (configuration ) Tj ET Q q 0 0 0 rg BT 302.24 577.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.31 577.10 Td (installation ) Tj ET Q q 0 0 0 rg BT 366.39 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.35 577.10 Td (new ) Tj ET Q q 0 0 0 rg BT 396.65 577.10 Td (software ) Tj ET Q q 0 0 0 rg BT 433.71 577.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.79 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.64 577.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 519.37 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 530.34 577.10 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (software ) Tj ET Q q 0 0 0 rg BT 86.93 565.10 Td (that ) Tj ET Q q 0 0 0 rg BT 104.42 565.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 141.36 565.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 183.85 565.10 Td (functionality ) Tj ET Q q 0 0 0 rg BT 237.45 565.10 Td (are ) Tj ET Q q 0 0 0 rg BT 252.16 565.10 Td (capitalized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (Long-lived ) Tj ET Q q 0 0 0 rg BT 97.51 544.10 Td (depreciable ) Tj ET Q q 0 0 0 rg BT 146.66 544.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 173.06 544.10 Td (are ) Tj ET Q q 0 0 0 rg BT 188.34 544.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 229.72 544.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 280.56 544.10 Td (for ) Tj ET Q q 0 0 0 rg BT 295.29 544.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 344.46 544.10 Td (when ) Tj ET Q q 0 0 0 rg BT 369.19 544.10 Td (events ) Tj ET Q q 0 0 0 rg BT 397.81 544.10 Td (or ) Tj ET Q q 0 0 0 rg BT 409.22 544.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 444.50 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 455.35 544.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 515.06 544.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 549.78 544.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 86.27 532.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 119.22 532.10 Td (may ) Tj ET Q q 0 0 0 rg BT 139.39 532.10 Td (not ) Tj ET Q q 0 0 0 rg BT 155.12 532.10 Td (be ) Tj ET Q q 0 0 0 rg BT 167.51 532.10 Td (recoverable. ) Tj ET Q q 0 0 0 rg BT 219.60 532.10 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 269.20 532.10 Td (exists ) Tj ET Q q 0 0 0 rg BT 294.94 532.10 Td (when ) Tj ET Q q 0 0 0 rg BT 319.55 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.72 532.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 373.21 532.10 Td (undiscounted ) Tj ET Q q 0 0 0 rg BT 429.49 532.10 Td (future ) Tj ET Q q 0 0 0 rg BT 456.32 532.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 477.04 532.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 502.22 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.50 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.89 532.10 Td (long-lived ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 72.70 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.18 520.10 Td (less ) Tj ET Q q 0 0 0 rg BT 106.44 520.10 Td (than ) Tj ET Q q 0 0 0 rg BT 126.92 520.10 Td (its ) Tj ET Q q 0 0 0 rg BT 139.64 520.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 176.22 520.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 203.64 520.10 Td (In ) Tj ET Q q 0 0 0 rg BT 215.24 520.10 Td (that ) Tj ET Q q 0 0 0 rg BT 233.50 520.10 Td (event, ) Tj ET Q q 0 0 0 rg BT 260.92 520.10 Td (a ) Tj ET Q q 0 0 0 rg BT 268.62 520.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 287.45 520.10 Td (is ) Tj ET Q q 0 0 0 rg BT 297.38 520.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 344.51 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 359.44 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.92 520.10 Td (dif) Tj ET Q q 0 0 0 rg BT 385.85 520.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 418.53 520.10 Td (between ) Tj ET Q q 0 0 0 rg BT 455.11 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.59 520.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 507.17 520.10 Td (value ) Tj ET Q q 0 0 0 rg BT 532.09 520.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.80 520.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 91.33 508.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 108.22 508.10 Td (value ) Tj ET Q q 0 0 0 rg BT 132.89 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.23 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.46 508.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 181.91 508.10 Td (based ) Tj ET Q q 0 0 0 rg BT 207.69 508.10 Td (on ) Tj ET Q q 0 0 0 rg BT 220.70 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 228.15 508.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 258.38 508.10 Td (market ) Tj ET Q q 0 0 0 rg BT 289.15 508.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 314.65 508.10 Td (if ) Tj ET Q q 0 0 0 rg BT 323.77 508.10 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 370.37 508.10 Td (or ) Tj ET Q q 0 0 0 rg BT 381.71 508.10 Td (a ) Tj ET Q q 0 0 0 rg BT 389.16 508.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 435.50 508.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 456.28 508.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 477.62 508.10 Td (analysis. ) Tj ET Q q 0 0 0 rg BT 515.35 508.10 Td (Impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.39 496.10 Td (are ) Tj ET Q q 0 0 0 rg BT 91.10 496.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 137.46 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.74 496.10 Td (other ) Tj ET Q q 0 0 0 rg BT 170.79 496.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 221.05 496.10 Td (expense.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (FDIC Loss Shar) Tj ET Q q 0 0 0 rg BT 115.20 475.10 Td (e ) Tj ET Q q 0 0 0 rg BT 121.95 475.10 Td (Asset \(Liability\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.10 454.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 109.09 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 128.64 454.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 187.63 454.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 239.67 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.66 454.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 294.32 454.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 325.51 454.10 Td (into ) Tj ET Q q 0 0 0 rg BT 342.84 454.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 360.18 454.10 Td (share ) Tj ET Q q 0 0 0 rg BT 383.05 454.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 430.35 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 449.90 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.89 454.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 490.82 454.10 Td (These ) Tj ET Q q 0 0 0 rg BT 516.47 454.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 74.63 442.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 100.95 442.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 136.69 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 156.89 442.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 187.63 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.83 442.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 223.86 442.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 267.93 442.10 Td (real ) Tj ET Q q 0 0 0 rg BT 285.34 442.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 310.53 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.40 442.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 357.02 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 379.99 442.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 408.07 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 426.04 442.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 444.03 442.10 Td (share ) Tj ET Q q 0 0 0 rg BT 467.55 442.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 493.31 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.17 442.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 549.81 442.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 91.12 430.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 134.46 430.10 Td (from ) Tj ET Q q 0 0 0 rg BT 156.71 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.73 430.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 191.76 430.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 233.45 430.10 Td (because ) Tj ET Q q 0 0 0 rg BT 267.91 430.10 Td (they ) Tj ET Q q 0 0 0 rg BT 287.93 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 302.94 430.10 Td (not ) Tj ET Q q 0 0 0 rg BT 318.53 430.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 373.54 430.10 Td (embedded ) Tj ET Q q 0 0 0 rg BT 417.44 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 428.02 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.05 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.96 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.21 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 499.22 430.10 Td (not ) Tj ET Q q 0 0 0 rg BT 514.81 430.10 Td (transferable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.38 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.19 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 105.89 418.10 Td (should ) Tj ET Q q 0 0 0 rg BT 134.16 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.97 418.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 188.46 418.10 Td (choose ) Tj ET Q q 0 0 0 rg BT 217.82 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.20 418.10 Td (dispose ) Tj ET Q q 0 0 0 rg BT 258.79 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.72 418.10 Td (them. ) Tj ET Q q 0 0 0 rg BT 292.81 418.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 310.52 418.10 Td (values ) Tj ET Q q 0 0 0 rg BT 337.66 418.10 Td (at ) Tj ET Q q 0 0 0 rg BT 346.47 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.29 418.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 405.77 418.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 427.91 418.10 Td (were ) Tj ET Q q 0 0 0 rg BT 448.94 418.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 488.85 418.10 Td (based ) Tj ET Q q 0 0 0 rg BT 513.22 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 524.81 418.10 Td (projected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.53 406.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 95.51 406.10 Td (available ) Tj ET Q q 0 0 0 rg BT 134.36 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 148.78 406.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 191.54 406.10 Td (based ) Tj ET Q q 0 0 0 rg BT 217.07 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 229.83 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.80 406.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 270.33 406.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 320.86 406.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 361.95 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.37 406.10 Td (each ) Tj ET Q q 0 0 0 rg BT 397.44 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 417.42 406.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 437.96 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.16 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.14 406.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 488.46 406.10 Td (share ) Tj ET Q q 0 0 0 rg BT 512.32 406.10 Td (percentages. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.15 394.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 84.31 394.10 Td (share ) Tj ET Q q 0 0 0 rg BT 107.01 394.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 131.94 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.98 394.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 186.80 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 200.60 394.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 237.18 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 247.11 394.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 271.49 394.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 336.41 394.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 361.34 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 377.38 394.10 Td (other ) Tj ET Q q 0 0 0 rg BT 399.53 394.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 438.34 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 449.95 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.76 394.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 518.14 394.10 Td (Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.97 382.10 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 106.12 382.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 154.87 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.29 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.15 382.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 226.67 382.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 248.47 382.10 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 314.98 382.10 Td (received ) Tj ET Q q 0 0 0 rg BT 351.48 382.10 Td (from ) Tj ET Q q 0 0 0 rg BT 373.56 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.42 382.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 413.85 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 428.15 382.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 454.66 382.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 490.62 382.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 517.15 382.10 Td (will ) Tj ET Q q 0 0 0 rg BT 535.35 382.10 Td (reduce ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.26 370.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 91.08 370.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 109.68 370.10 Td (share ) Tj ET Q q 0 0 0 rg BT 133.81 370.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 162.68 370.10 Td (Reductions ) Tj ET Q q 0 0 0 rg BT 210.72 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.53 370.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 260.10 370.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 289.53 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 300.35 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.61 370.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 343.08 370.10 Td (such ) Tj ET Q q 0 0 0 rg BT 364.45 370.10 Td (reductions ) Tj ET Q q 0 0 0 rg BT 409.14 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.96 370.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 458.53 370.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 485.46 370.10 Td (are ) Tj ET Q q 0 0 0 rg BT 500.71 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.96 370.10 Td (result ) Tj ET Q q 0 0 0 rg BT 541.22 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 552.58 370.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 106.44 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.34 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.67 358.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 159.66 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 171.11 358.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 209.76 358.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 230.65 358.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 255.99 358.10 Td (from ) Tj ET Q q 0 0 0 rg BT 278.55 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.89 358.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 328.65 358.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 357.60 358.10 Td (will ) Tj ET Q q 0 0 0 rg BT 376.28 358.10 Td (also ) Tj ET Q q 0 0 0 rg BT 395.50 358.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 425.27 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.60 358.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 466.51 358.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 485.19 358.10 Td (share ) Tj ET Q q 0 0 0 rg BT 509.41 358.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 535.85 358.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 555.91 358.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 88.22 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 93.35 346.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 128.74 346.10 Td (any ) Tj ET Q q 0 0 0 rg BT 145.81 346.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 164.01 346.10 Td (share ) Tj ET Q q 0 0 0 rg BT 187.74 346.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 221.48 346.10 Td (when ) Tj ET Q q 0 0 0 rg BT 245.78 346.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 287.28 346.10 Td (reductions ) Tj ET Q q 0 0 0 rg BT 331.57 346.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 361.96 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.81 346.10 Td (current ) Tj ET Q q 0 0 0 rg BT 407.76 346.10 Td (value ) Tj ET Q q 0 0 0 rg BT 432.05 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.01 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.86 346.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 483.28 346.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 501.48 346.10 Td (share ) Tj ET Q q 0 0 0 rg BT 525.21 346.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 553.67 346.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 97.72 334.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.26 334.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 148.22 334.10 Td (clawback ) Tj ET Q q 0 0 0 rg BT 188.74 334.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 235.67 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.64 334.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 292.29 334.10 Td (may ) Tj ET Q q 0 0 0 rg BT 312.27 334.10 Td (be ) Tj ET Q q 0 0 0 rg BT 324.47 334.10 Td (required ) Tj ET Q q 0 0 0 rg BT 360.54 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 371.08 334.10 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 413.83 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.80 334.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 454.35 334.10 Td (when ) Tj ET Q q 0 0 0 rg BT 478.77 334.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 505.40 334.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 532.05 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 547.02 334.10 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.46 322.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 98.91 322.10 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 142.27 322.10 Td (established ) Tj ET Q q 0 0 0 rg BT 188.95 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 202.86 322.10 Td (each ) Tj ET Q q 0 0 0 rg BT 223.42 322.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 241.23 322.10 Td (share ) Tj ET Q q 0 0 0 rg BT 264.58 322.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 310.80 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 328.60 322.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 361.38 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.95 322.10 Td (these ) Tj ET Q q 0 0 0 rg BT 394.75 322.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 435.32 322.10 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 501.44 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.12 322.10 Td (any ) Tj ET Q q 0 0 0 rg BT 534.81 322.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 103.36 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 118.39 310.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 154.54 310.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 205.12 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 219.61 310.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 254.64 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 265.24 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.28 310.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 318.64 310.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 345.35 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 358.18 310.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 392.64 310.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 421.30 310.10 Td (On ) Tj ET Q q 0 0 0 rg BT 436.34 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.38 310.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 506.98 310.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 553.69 310.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Condition, ) Tj ET Q q 0 0 0 rg BT 95.36 298.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 136.54 298.10 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 203.27 298.10 Td (from ) Tj ET Q q 0 0 0 rg BT 225.56 298.10 Td (clawback ) Tj ET Q q 0 0 0 rg BT 266.17 298.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 310.70 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 325.76 298.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 363.59 298.10 Td (as ) Tj ET Q q 0 0 0 rg BT 374.78 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 382.08 298.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 422.70 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.33 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.40 298.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 474.04 298.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 492.46 298.10 Td (share ) Tj ET Q q 0 0 0 rg BT 516.42 298.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 542.60 298.10 Td (or) Tj ET Q q 0 0 0 rg BT 550.53 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 555.89 298.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 88.22 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 93.76 286.10 Td (an ) Tj ET Q q 0 0 0 rg BT 106.24 286.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 142.03 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.85 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.11 286.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 186.71 286.10 Td (share ) Tj ET Q q 0 0 0 rg BT 210.85 286.10 Td (liability) Tj ET Q q 0 0 0 rg BT 241.31 286.10 Td (. ) Tj ET Q q 0 0 0 rg BT 246.18 286.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 287.00 286.10 Td (these ) Tj ET Q q 0 0 0 rg BT 310.59 286.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 336.96 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 352.21 286.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 399.67 286.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 447.68 286.10 Td (from ) Tj ET Q q 0 0 0 rg BT 470.16 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.42 286.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 513.74 286.10 Td (there ) Tj ET Q q 0 0 0 rg BT 536.77 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 552.02 286.10 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 96.88 274.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 128.78 274.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 152.08 274.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 197.32 274.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 235.32 274.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 264.18 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.42 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.10 274.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 316.00 274.10 Td (such ) Tj ET Q q 0 0 0 rg BT 336.80 274.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 374.80 274.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 401.15 274.10 Td (result ) Tj ET Q q 0 0 0 rg BT 425.84 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.08 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.76 274.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 498.77 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.57 274.10 Td (an ) Tj ET Q q 0 0 0 rg BT 521.47 274.10 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.98 262.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.51 262.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 112.22 262.10 Td (will ) Tj ET Q q 0 0 0 rg BT 130.09 262.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 165.16 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.69 262.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 204.79 262.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 222.67 262.10 Td (share ) Tj ET Q q 0 0 0 rg BT 246.08 262.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 274.06 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 291.92 262.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 351.45 262.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 404.30 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 414.95 262.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 453.90 262.10 Td (is ) Tj ET Q q 0 0 0 rg BT 462.89 262.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 500.18 262.10 Td (as ) Tj ET Q q 0 0 0 rg BT 510.83 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 517.58 262.10 Td (component ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 250.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 111.09 250.10 Td (income ) Tj ET Q q 0 0 0 rg BT 143.03 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 155.53 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.24 250.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 225.52 250.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 271.90 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.73 250.10 Td (Income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (Other Real Estate Owned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.30 208.10 Td (real ) Tj ET Q q 0 0 0 rg BT 92.83 208.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 118.12 208.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 147.32 208.10 Td (is ) Tj ET Q q 0 0 0 rg BT 156.53 208.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 200.72 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.58 208.10 Td (real ) Tj ET Q q 0 0 0 rg BT 229.10 208.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 254.40 208.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 291.36 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.68 208.10 Td (partial ) Tj ET Q q 0 0 0 rg BT 329.75 208.10 Td (or ) Tj ET Q q 0 0 0 rg BT 340.62 208.10 Td (full ) Tj ET Q q 0 0 0 rg BT 357.04 208.10 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 405.12 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.99 208.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 439.63 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.60 208.10 Td (is ) Tj ET Q q 0 0 0 rg BT 465.81 208.10 Td (included ) Tj ET Q q 0 0 0 rg BT 502.78 208.10 Td (in ) Tj ET Q q 0 0 0 rg BT 513.09 208.10 Td (other ) Tj ET Q q 0 0 0 rg BT 536.17 208.10 Td (assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.05 196.10 Td (real ) Tj ET Q q 0 0 0 rg BT 92.31 196.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 117.36 196.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 146.29 196.10 Td (is ) Tj ET Q q 0 0 0 rg BT 155.24 196.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 192.50 196.10 Td (at ) Tj ET Q q 0 0 0 rg BT 202.00 196.10 Td (its ) Tj ET Q q 0 0 0 rg BT 213.72 196.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 254.32 196.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 270.48 196.10 Td (value ) Tj ET Q q 0 0 0 rg BT 294.41 196.10 Td (less ) Tj ET Q q 0 0 0 rg BT 311.69 196.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 352.29 196.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 381.24 196.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 403.52 196.10 Td (at ) Tj ET Q q 0 0 0 rg BT 413.01 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.51 196.10 Td (date ) Tj ET Q q 0 0 0 rg BT 446.44 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.05 196.10 Td (transfer) Tj ET Q q 0 0 0 rg BT 487.04 196.10 Td (. ) Tj ET Q q 0 0 0 rg BT 491.31 196.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 510.81 196.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 539.19 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 196.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (related ) Tj ET Q q 0 0 0 rg BT 80.23 184.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 100.47 184.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 134.02 184.10 Td (over ) Tj ET Q q 0 0 0 rg BT 154.82 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.06 184.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 186.96 184.10 Td (value ) Tj ET Q q 0 0 0 rg BT 211.64 184.10 Td (less ) Tj ET Q q 0 0 0 rg BT 229.66 184.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 268.22 184.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 297.91 184.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 320.93 184.10 Td (is ) Tj ET Q q 0 0 0 rg BT 330.62 184.10 Td (char) Tj ET Q q 0 0 0 rg BT 347.65 184.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 365.11 184.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.91 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.15 184.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 434.71 184.10 Td (for ) Tj ET Q q 0 0 0 rg BT 449.40 184.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 469.64 184.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 499.05 184.10 Td (In ) Tj ET Q q 0 0 0 rg BT 510.41 184.10 Td (contrast, ) Tj ET Q q 0 0 0 rg BT 547.58 184.10 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 78.62 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.46 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.20 172.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 120.59 172.10 Td (value ) Tj ET Q q 0 0 0 rg BT 144.76 172.10 Td (less ) Tj ET Q q 0 0 0 rg BT 162.28 172.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 200.33 172.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 229.51 172.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 252.03 172.10 Td (over ) Tj ET Q q 0 0 0 rg BT 272.31 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.05 172.10 Td (related ) Tj ET Q q 0 0 0 rg BT 316.77 172.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 336.50 172.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 369.55 172.10 Td (is ) Tj ET Q q 0 0 0 rg BT 378.74 172.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 416.23 172.10 Td (as ) Tj ET Q q 0 0 0 rg BT 427.08 172.10 Td (a ) Tj ET Q q 0 0 0 rg BT 434.03 172.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 471.53 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.37 172.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 504.33 172.10 Td (char) Tj ET Q q 0 0 0 rg BT 521.35 172.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 542.27 172.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 552.01 172.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.89 160.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 84.78 160.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 104.40 160.10 Td (if ) Tj ET Q q 0 0 0 rg BT 113.18 160.10 Td (any ) Tj ET Q q 0 0 0 rg BT 130.29 160.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 161.85 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.86 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.75 160.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 216.52 160.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 250.84 160.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 272.96 160.10 Td (char) Tj ET Q q 0 0 0 rg BT 289.98 160.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 310.90 160.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 323.30 160.10 Td (as ) Tj ET Q q 0 0 0 rg BT 334.30 160.10 Td (an ) Tj ET Q q 0 0 0 rg BT 346.42 160.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 381.85 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.30 160.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 431.35 160.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 480.13 160.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 515.02 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 525.47 160.10 Td (value ) Tj ET Q q 0 0 0 rg BT 549.80 160.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 85.55 148.10 Td (as ) Tj ET Q q 0 0 0 rg BT 96.12 148.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 146.13 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.15 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.60 148.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 206.16 148.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 238.39 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.07 148.10 Td (are ) Tj ET Q q 0 0 0 rg BT 269.51 148.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 306.72 148.10 Td (in ) Tj ET Q q 0 0 0 rg BT 316.74 148.10 Td (other ) Tj ET Q q 0 0 0 rg BT 339.52 148.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 389.53 148.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 426.47 148.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 452.04 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.71 148.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 494.84 148.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 517.08 148.10 Td (sale, ) Tj ET Q q 0 0 0 rg BT 537.37 148.10 Td (if ) Tj ET Q q 0 0 0 rg BT 545.71 148.10 Td (any) Tj ET Q q 0 0 0 rg BT 559.50 148.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.44 136.10 Td (also ) Tj ET Q q 0 0 0 rg BT 82.77 136.10 Td (char) Tj ET Q q 0 0 0 rg BT 99.80 136.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 116.46 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.47 136.10 Td (other ) Tj ET Q q 0 0 0 rg BT 149.25 136.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 199.24 136.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 235.68 136.10 Td (At ) Tj ET Q q 0 0 0 rg BT 247.91 136.10 Td (December ) Tj ET Q q 0 0 0 rg BT 291.22 136.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 305.95 136.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 328.18 136.10 Td (and ) Tj ET Q q 0 0 0 rg BT 344.84 136.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 369.57 136.10 Td (other ) Tj ET Q q 0 0 0 rg BT 392.35 136.10 Td (real ) Tj ET Q q 0 0 0 rg BT 409.56 136.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 434.55 136.10 Td (owned, ) Tj ET Q q 0 0 0 rg BT 465.94 136.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 507.60 136.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 541.47 136.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (real ) Tj ET Q q 0 0 0 rg BT 67.49 124.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 92.75 124.10 Td (owned, ) Tj ET Q q 0 0 0 rg BT 124.41 124.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.12 124.10 Td ($43.9 ) Tj ET Q q 0 0 0 rg BT 179.12 124.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.01 124.10 Td ( ) Tj ET Q q 0 0 0 rg BT 210.51 124.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.45 124.10 Td ($45.6 ) Tj ET Q q 0 0 0 rg BT 252.45 124.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.34 124.10 Td (, ) Tj ET Q q 0 0 0 rg BT 286.34 124.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 334.00 124.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (Goodwill and Other Intangible ) Tj ET Q q 0 0 0 rg BT 176.48 103.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 91.01 82.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 134.78 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.23 82.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 179.57 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.13 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.58 82.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 225.92 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.49 82.10 Td (an ) Tj ET Q q 0 0 0 rg BT 250.16 82.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 297.28 82.10 Td (over ) Tj ET Q q 0 0 0 rg BT 318.28 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.73 82.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 350.84 82.10 Td (value ) Tj ET Q q 0 0 0 rg BT 375.73 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.29 82.10 Td (net ) Tj ET Q q 0 0 0 rg BT 402.74 82.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 429.31 82.10 Td (acquired. ) Tj ET Q q 0 0 0 rg BT 469.46 82.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 495.47 82.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 538.69 82.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 88.53 70.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 130.94 70.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 156.15 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 173.03 70.10 Td (also ) Tj ET Q q 0 0 0 rg BT 191.02 70.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 209.55 70.10 Td (physical ) Tj ET Q q 0 0 0 rg BT 244.76 70.10 Td (substance ) Tj ET Q q 0 0 0 rg BT 285.51 70.10 Td (but ) Tj ET Q q 0 0 0 rg BT 300.17 70.10 Td (can ) Tj ET Q q 0 0 0 rg BT 315.93 70.10 Td (be ) Tj ET Q q 0 0 0 rg BT 327.25 70.10 Td (distinguished ) Tj ET Q q 0 0 0 rg BT 382.46 70.10 Td (from ) Tj ET Q q 0 0 0 rg BT 403.78 70.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 441.22 70.10 Td (because ) Tj ET Q q 0 0 0 rg BT 474.74 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.95 70.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 531.25 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 70.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 71.74 58.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 96.82 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 107.46 58.10 Td (because ) Tj ET Q q 0 0 0 rg BT 141.41 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.93 58.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 177.67 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 186.65 58.10 Td (capable ) Tj ET Q q 0 0 0 rg BT 219.48 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.12 58.10 Td (being ) Tj ET Q q 0 0 0 rg BT 254.64 58.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 273.61 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 284.25 58.10 Td (exchanged ) Tj ET Q q 0 0 0 rg BT 329.31 58.10 Td (either ) Tj ET Q q 0 0 0 rg BT 354.38 58.10 Td (on ) Tj ET Q q 0 0 0 rg BT 366.68 58.10 Td (its ) Tj ET Q q 0 0 0 rg BT 378.43 58.10 Td (own ) Tj ET Q q 0 0 0 rg BT 397.96 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 408.59 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.68 58.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 470.97 58.10 Td (with ) Tj ET Q q 0 0 0 rg BT 491.05 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 497.80 58.10 Td (related ) Tj ET Q q 0 0 0 rg BT 527.30 58.10 Td (contract, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 72.35 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 83.59 46.10 Td (liability) Tj ET Q q 0 0 0 rg BT 114.05 46.10 Td (. ) Tj ET Q q 0 0 0 rg BT 119.46 46.10 Td (In ) Tj ET Q q 0 0 0 rg BT 130.70 46.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 178.57 46.10 Td (with ) Tj ET Q q 0 0 0 rg BT 199.26 46.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 246.04 46.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 289.22 46.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 327.69 46.10 Td (is ) Tj ET Q q 0 0 0 rg BT 337.27 46.10 Td (not ) Tj ET Q q 0 0 0 rg BT 352.95 46.10 Td (amortized, ) Tj ET Q q 0 0 0 rg BT 398.34 46.10 Td (but ) Tj ET Q q 0 0 0 rg BT 414.03 46.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 440.26 46.10 Td (is ) Tj ET Q q 0 0 0 rg BT 449.84 46.10 Td (tested ) Tj ET Q q 0 0 0 rg BT 476.07 46.10 Td (for ) Tj ET Q q 0 0 0 rg BT 490.64 46.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 539.65 46.10 Td (on ) Tj ET Q q 0 0 0 rg BT 552.56 46.10 Td (an ) Tj ET Q endstream endobj 215 0 obj <> endobj 216 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (107) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 79.15 742.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 101.65 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 112.48 742.10 Td (more ) Tj ET Q q 0 0 0 rg BT 135.52 742.10 Td (frequently ) Tj ET Q q 0 0 0 rg BT 179.11 742.10 Td (when ) Tj ET Q q 0 0 0 rg BT 203.27 742.10 Td (events ) Tj ET Q q 0 0 0 rg BT 231.32 742.10 Td (warrant, ) Tj ET Q q 0 0 0 rg BT 266.85 742.10 Td (using ) Tj ET Q q 0 0 0 rg BT 291.02 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.95 742.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 342.66 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 353.49 742.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 403.19 742.10 Td (approach. ) Tj ET Q q 0 0 0 rg BT 444.83 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.33 742.10 Td (Intangible ) Tj ET Q q 0 0 0 rg BT 490.37 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 516.20 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 543.13 742.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (finite ) Tj ET Q q 0 0 0 rg BT 73.56 730.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 94.90 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 109.56 730.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 151.99 730.10 Td (over ) Tj ET Q q 0 0 0 rg BT 172.21 730.10 Td (their ) Tj ET Q q 0 0 0 rg BT 192.99 730.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 233.77 730.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 260.66 730.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 282.00 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.89 730.10 Td (also ) Tj ET Q q 0 0 0 rg BT 317.45 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 332.11 730.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 362.89 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 373.13 730.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 421.68 730.10 Td (testing. ) Tj ET Q q 0 0 0 rg BT 452.75 730.10 Td (All ) Tj ET Q q 0 0 0 rg BT 467.99 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.77 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.44 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 535.11 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 541.45 730.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 92.49 718.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 118.32 718.10 Td (have ) Tj ET Q q 0 0 0 rg BT 139.70 718.10 Td (finite ) Tj ET Q q 0 0 0 rg BT 163.30 718.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 184.69 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.63 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 216.33 718.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 258.81 718.10 Td (over ) Tj ET Q q 0 0 0 rg BT 279.08 718.10 Td (varying ) Tj ET Q q 0 0 0 rg BT 312.13 718.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 344.07 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 359.35 718.10 Td (exceeding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.38 718.10 Td (twenty) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.59 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 432.09 718.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 458.19 718.10 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (Bank-Owned Life Insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.22 676.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.78 676.10 Td (owns ) Tj ET Q q 0 0 0 rg BT 133.57 676.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 159.58 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 172.25 676.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 202.13 676.10 Td (executives. ) Tj ET Q q 0 0 0 rg BT 249.50 676.10 Td (BOLI ) Tj ET Q q 0 0 0 rg BT 275.51 676.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 312.61 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 327.49 676.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 365.14 676.10 Td (at ) Tj ET Q q 0 0 0 rg BT 375.03 676.10 Td (their ) Tj ET Q q 0 0 0 rg BT 396.03 676.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 416.48 676.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 456.91 676.10 Td (values ) Tj ET Q q 0 0 0 rg BT 485.13 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 502.24 676.10 Td (are ) Tj ET Q q 0 0 0 rg BT 517.13 676.10 Td (included ) Tj ET Q q 0 0 0 rg BT 554.23 676.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.34 664.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 101.96 664.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 139.19 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 149.77 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.78 664.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 185.34 664.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 225.89 664.10 Td (values ) Tj ET Q q 0 0 0 rg BT 254.23 664.10 Td (are ) Tj ET Q q 0 0 0 rg BT 269.23 664.10 Td (included ) Tj ET Q q 0 0 0 rg BT 306.46 664.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.03 664.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 367.58 664.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 401.69 664.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.49 664.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 473.36 664.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.36 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 496.16 664.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.39 664.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.39 664.10 Td (, ) Tj ET Q q 0 0 0 rg BT 538.68 664.10 Td (BOLI ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.71 652.10 Td ($136.2 ) Tj ET Q q 0 0 0 rg BT 109.71 652.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.60 652.10 Td ( ) Tj ET Q q 0 0 0 rg BT 141.10 652.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.04 652.10 Td ($121.4 ) Tj ET Q q 0 0 0 rg BT 188.04 652.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.93 652.10 Td (, ) Tj ET Q q 0 0 0 rg BT 221.93 652.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 269.59 652.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 631.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 94.70 631.10 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 610.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.69 610.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 134.69 610.10 Td (into ) Tj ET Q q 0 0 0 rg BT 152.37 610.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 194.48 610.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 244.37 610.10 Td (principally ) Tj ET Q q 0 0 0 rg BT 289.82 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.72 610.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 329.61 610.10 Td (against ) Tj ET Q q 0 0 0 rg BT 360.06 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.41 610.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 391.53 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.99 610.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 434.65 610.10 Td (price ) Tj ET Q q 0 0 0 rg BT 456.77 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.22 610.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 498.78 610.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 515.89 610.10 Td (movements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.40 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.02 598.10 Td (future ) Tj ET Q q 0 0 0 rg BT 103.30 598.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 123.47 598.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 148.09 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 158.82 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.44 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 197.50 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.23 598.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 237.83 598.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 263.56 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.40 598.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 322.35 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 340.30 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 381.58 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 390.66 598.10 Td (also ) Tj ET Q q 0 0 0 rg BT 409.17 598.10 Td (required ) Tj ET Q q 0 0 0 rg BT 444.88 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.06 598.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 496.33 598.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 525.93 598.10 Td (contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.27 586.10 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 127.03 586.10 Td (including ) Tj ET Q q 0 0 0 rg BT 167.63 586.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 197.66 586.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 254.93 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.53 586.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 286.69 586.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 327.28 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 351.22 586.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 383.22 586.10 Td (-sale, ) Tj ET Q q 0 0 0 rg BT 407.43 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 418.58 586.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 465.28 586.10 Td (when ) Tj ET Q q 0 0 0 rg BT 489.77 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.81 586.10 Td (characteristics ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.36 574.10 Td (those ) Tj ET Q q 0 0 0 rg BT 83.49 574.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 121.62 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.08 574.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 194.55 574.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 216.01 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.25 574.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 271.16 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.52 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.99 574.10 Td (derivative. ) Tj ET Q q 0 0 0 rg BT 332.35 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 349.92 574.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 390.84 574.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 427.85 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 441.54 574.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 487.44 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 497.25 574.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 544.23 574.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.92 562.10 Td (815, ) Tj ET Q q 0 0 0 rg BT 91.88 562.10 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 144.88 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 161.78 562.10 Td (Hedging, ) Tj ET Q q 0 0 0 rg BT 205.63 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 232.53 562.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 267.20 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 284.66 562.10 Td (all ) Tj ET Q q 0 0 0 rg BT 297.12 562.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 339.57 562.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 388.70 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 400.60 562.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 438.04 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 448.28 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.96 562.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 503.75 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.54 562.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 554.78 562.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.25 550.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 92.61 550.10 Td (The ) Tj ET Q q 0 0 0 rg BT 110.53 550.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 156.78 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 170.81 550.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 205.39 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 215.55 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.14 550.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 246.39 550.10 Td (value ) Tj ET Q q 0 0 0 rg BT 270.42 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.12 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.94 550.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 330.29 550.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 375.44 550.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 410.58 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 422.96 550.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 457.54 550.10 Td (it ) Tj ET Q q 0 0 0 rg BT 465.47 550.10 Td (has ) Tj ET Q q 0 0 0 rg BT 481.17 550.10 Td (been ) Tj ET Q q 0 0 0 rg BT 502.43 550.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 547.56 550.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 86.93 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 97.76 538.10 Td (part ) Tj ET Q q 0 0 0 rg BT 115.81 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.64 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 133.58 538.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 168.30 538.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 218.01 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.95 538.10 Td (further) Tj ET Q q 0 0 0 rg BT 261.75 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 266.75 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 279.25 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.97 538.10 Td (type ) Tj ET Q q 0 0 0 rg BT 313.69 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.52 538.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 359.23 538.10 Td (relationship.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 94.62 517.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 143.69 517.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 188.87 517.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.06 517.10 Td (a ) Tj ET Q q 0 0 0 rg BT 205.92 517.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 232.21 517.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 281.83 517.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.02 517.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 327.21 517.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 365.72 517.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.91 517.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 410.53 517.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.72 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.35 517.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 451.64 517.10 Td (value ) Tj ET Q q 0 0 0 rg BT 475.71 517.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.46 517.10 Td (an ) Tj ET Q q 0 0 0 rg BT 498.31 517.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 520.16 517.10 Td (or ) Tj ET Q q 0 0 0 rg BT 530.90 517.10 Td (liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 97.89 505.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.02 505.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.81 505.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 155.47 505.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 175.33 505.10 Td (such ) Tj ET Q q 0 0 0 rg BT 196.01 505.10 Td (as ) Tj ET Q q 0 0 0 rg BT 206.69 505.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 238.48 505.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 255.82 505.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 275.67 505.10 Td (are ) Tj ET Q q 0 0 0 rg BT 290.23 505.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 335.90 505.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 352.13 505.10 Td (value ) Tj ET Q q 0 0 0 rg BT 376.13 505.10 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 408.75 505.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 453.31 505.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 502.33 505.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 547.44 505.10 Td (in ) Tj ET Q q 0 0 0 rg BT 557.57 505.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 76.31 493.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 125.96 493.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.17 493.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 171.38 493.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 209.91 493.10 Td (to ) Tj ET Q q 0 0 0 rg BT 220.13 493.10 Td (variability ) Tj ET Q q 0 0 0 rg BT 263.66 493.10 Td (in ) Tj ET Q q 0 0 0 rg BT 273.87 493.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 311.84 493.10 Td (future ) Tj ET Q q 0 0 0 rg BT 338.15 493.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 358.36 493.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 385.52 493.10 Td (or ) Tj ET Q q 0 0 0 rg BT 396.28 493.10 Td (other ) Tj ET Q q 0 0 0 rg BT 419.26 493.10 Td (types ) Tj ET Q q 0 0 0 rg BT 442.81 493.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.57 493.10 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 497.09 493.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 549.79 493.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 96.27 481.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 116.99 481.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 138.28 481.10 Td (hedges. ) Tj ET Q q 0 0 0 rg BT 171.50 481.10 Td (Formal ) Tj ET Q q 0 0 0 rg BT 203.34 481.10 Td (documentation ) Tj ET Q q 0 0 0 rg BT 265.72 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.01 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.18 481.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 342.34 481.10 Td (between ) Tj ET Q q 0 0 0 rg BT 378.61 481.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.01 481.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 428.94 481.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 474.67 481.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.06 481.10 Td (a ) Tj ET Q q 0 0 0 rg BT 499.45 481.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 531.28 481.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 553.68 481.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (liability) Tj ET Q q 0 0 0 rg BT 80.46 469.10 Td (, ) Tj ET Q q 0 0 0 rg BT 86.41 469.10 Td (as ) Tj ET Q q 0 0 0 rg BT 98.19 469.10 Td (well ) Tj ET Q q 0 0 0 rg BT 118.86 469.10 Td (as ) Tj ET Q q 0 0 0 rg BT 130.64 469.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.31 469.10 Td (risk-management ) Tj ET Q q 0 0 0 rg BT 219.18 469.10 Td (objective ) Tj ET Q q 0 0 0 rg BT 259.28 469.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.17 469.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 312.28 469.10 Td (for ) Tj ET Q q 0 0 0 rg BT 327.39 469.10 Td (undertaking ) Tj ET Q q 0 0 0 rg BT 378.60 469.10 Td (each ) Tj ET Q q 0 0 0 rg BT 400.37 469.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 427.70 469.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 475.02 469.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.91 469.10 Td (an ) Tj ET Q q 0 0 0 rg BT 505.80 469.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 553.69 469.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 457.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 103.63 457.10 Td (is ) Tj ET Q q 0 0 0 rg BT 111.91 457.10 Td (required ) Tj ET Q q 0 0 0 rg BT 146.85 457.10 Td (at ) Tj ET Q q 0 0 0 rg BT 155.68 457.10 Td (inception ) Tj ET Q q 0 0 0 rg BT 194.51 457.10 Td (to ) Tj ET Q q 0 0 0 rg BT 203.90 457.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 227.73 457.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 253.23 457.10 Td (accounting. ) Tj ET Q q 0 0 0 rg BT 301.22 457.10 Td (In ) Tj ET Q q 0 0 0 rg BT 311.16 457.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 348.05 457.10 Td (formal ) Tj ET Q q 0 0 0 rg BT 376.32 457.10 Td (documentation ) Tj ET Q q 0 0 0 rg BT 437.37 457.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.31 457.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 481.71 457.10 Td (ef) Tj ET Q q 0 0 0 rg BT 489.30 457.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 535.34 457.10 Td (testing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.17 445.10 Td (required ) Tj ET Q q 0 0 0 rg BT 94.99 445.10 Td (to ) Tj ET Q q 0 0 0 rg BT 105.26 445.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 142.75 445.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 169.13 445.10 Td (accounting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 68.46 424.10 Td (value ) Tj ET Q q 0 0 0 rg BT 92.46 424.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 122.58 424.10 Td (are ) Tj ET Q q 0 0 0 rg BT 137.13 424.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 180.01 424.10 Td (for ) Tj ET Q q 0 0 0 rg BT 194.02 424.10 Td (by ) Tj ET Q q 0 0 0 rg BT 206.37 424.10 Td (recording ) Tj ET Q q 0 0 0 rg BT 247.03 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.59 424.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 296.15 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 306.27 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.84 424.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 337.06 424.10 Td (value ) Tj ET Q q 0 0 0 rg BT 361.07 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.74 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.31 424.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 428.64 424.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 473.76 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.54 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.11 424.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 539.66 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 424.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.10 412.10 Td (value ) Tj ET Q q 0 0 0 rg BT 89.99 412.10 Td (related ) Tj ET Q q 0 0 0 rg BT 119.42 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 129.42 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.87 412.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 161.10 412.10 Td (being ) Tj ET Q q 0 0 0 rg BT 185.54 412.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 216.65 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.21 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.65 412.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 272.76 412.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 294.42 412.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.98 412.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 338.32 412.10 Td (on ) Tj ET Q q 0 0 0 rg BT 350.54 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.99 412.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 405.54 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.10 412.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 456.10 412.10 Td (with ) Tj ET Q q 0 0 0 rg BT 476.10 412.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 535.54 412.10 Td (of) Tj ET Q q 0 0 0 rg BT 543.69 412.10 Td (fsets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 87.10 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.00 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.35 400.10 Td (income ) Tj ET Q q 0 0 0 rg BT 142.91 400.10 Td (statement. ) Tj ET Q q 0 0 0 rg BT 185.70 400.10 Td (The ) Tj ET Q q 0 0 0 rg BT 203.37 400.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 249.38 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.28 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.62 400.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 304.63 400.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 326.19 400.10 Td (or ) Tj ET Q q 0 0 0 rg BT 336.65 400.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 369.88 400.10 Td (is ) Tj ET Q q 0 0 0 rg BT 378.68 400.10 Td (included ) Tj ET Q q 0 0 0 rg BT 415.23 400.10 Td (in ) Tj ET Q q 0 0 0 rg BT 425.14 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.48 400.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 461.61 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.06 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.40 400.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 517.41 400.10 Td (item, ) Tj ET Q q 0 0 0 rg BT 539.81 400.10 Td (while ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.21 388.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 80.09 388.10 Td (value ) Tj ET Q q 0 0 0 rg BT 103.74 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.06 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.28 388.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 170.25 388.10 Td (is ) Tj ET Q q 0 0 0 rg BT 178.92 388.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 215.89 388.10 Td (as ) Tj ET Q q 0 0 0 rg BT 226.22 388.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.65 388.10 Td (freestanding ) Tj ET Q q 0 0 0 rg BT 284.07 388.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 305.51 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 315.83 388.10 Td (liability) Tj ET Q q 0 0 0 rg BT 346.29 388.10 Td (. ) Tj ET Q q 0 0 0 rg BT 350.35 388.10 Td (Actual ) Tj ET Q q 0 0 0 rg BT 379.00 388.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 398.76 388.10 Td (receipts ) Tj ET Q q 0 0 0 rg BT 431.85 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 442.18 388.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 482.50 388.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.93 388.10 Td (related ) Tj ET Q q 0 0 0 rg BT 528.13 388.10 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 84.09 376.10 Td (during ) Tj ET Q q 0 0 0 rg BT 113.21 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.44 376.10 Td (period ) Tj ET Q q 0 0 0 rg BT 157.00 376.10 Td (on ) Tj ET Q q 0 0 0 rg BT 170.01 376.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 216.89 376.10 Td (included ) Tj ET Q q 0 0 0 rg BT 254.33 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 265.12 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.57 376.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 289.46 376.10 Td (value ) Tj ET Q q 0 0 0 rg BT 314.12 376.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 341.01 376.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 391.23 376.10 Td (are ) Tj ET Q q 0 0 0 rg BT 406.45 376.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 444.44 376.10 Td (as ) Tj ET Q q 0 0 0 rg BT 455.78 376.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 506.56 376.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.35 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.58 376.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.10 Td (income ) Tj ET Q q 0 0 0 rg BT 81.93 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 92.76 364.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 127.47 364.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 164.95 364.10 Td (on ) Tj ET Q q 0 0 0 rg BT 177.45 364.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.16 364.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 223.54 364.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 245.48 364.10 Td (or ) Tj ET Q q 0 0 0 rg BT 256.31 364.10 Td (liability) Tj ET Q q 0 0 0 rg BT 286.77 364.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 72.91 343.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 94.15 343.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 124.82 343.10 Td (are ) Tj ET Q q 0 0 0 rg BT 139.94 343.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 183.38 343.10 Td (for ) Tj ET Q q 0 0 0 rg BT 197.94 343.10 Td (by ) Tj ET Q q 0 0 0 rg BT 210.85 343.10 Td (recording ) Tj ET Q q 0 0 0 rg BT 252.08 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.20 343.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 302.31 343.10 Td (in ) Tj ET Q q 0 0 0 rg BT 313.00 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.13 343.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 344.91 343.10 Td (value ) Tj ET Q q 0 0 0 rg BT 369.47 343.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.71 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.83 343.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 438.72 343.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 484.40 343.10 Td (on ) Tj ET Q q 0 0 0 rg BT 497.31 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.44 343.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 553.66 343.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 90.58 331.10 Td (as ) Tj ET Q q 0 0 0 rg BT 101.72 331.10 Td (either ) Tj ET Q q 0 0 0 rg BT 127.29 331.10 Td (a ) Tj ET Q q 0 0 0 rg BT 134.53 331.10 Td (freestanding ) Tj ET Q q 0 0 0 rg BT 186.76 331.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 209.01 331.10 Td (or ) Tj ET Q q 0 0 0 rg BT 220.14 331.10 Td (liability) Tj ET Q q 0 0 0 rg BT 250.60 331.10 Td (, ) Tj ET Q q 0 0 0 rg BT 255.91 331.10 Td (with ) Tj ET Q q 0 0 0 rg BT 276.50 331.10 Td (a ) Tj ET Q q 0 0 0 rg BT 283.74 331.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 343.75 331.10 Td (of) Tj ET Q q 0 0 0 rg BT 351.90 331.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 369.15 331.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 406.93 331.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.52 331.10 Td (other ) Tj ET Q q 0 0 0 rg BT 440.87 331.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 504.21 331.10 Td (income ) Tj ET Q q 0 0 0 rg BT 536.45 331.10 Td (within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 103.13 319.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.04 319.10 Td (equity) Tj ET Q q 0 0 0 rg BT 130.38 319.10 Td (, ) Tj ET Q q 0 0 0 rg BT 135.79 319.10 Td (net ) Tj ET Q q 0 0 0 rg BT 150.92 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.16 319.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 198.38 319.10 Td (taxes. ) Tj ET Q q 0 0 0 rg BT 223.70 319.10 Td (Amounts ) Tj ET Q q 0 0 0 rg BT 263.28 319.10 Td (are ) Tj ET Q q 0 0 0 rg BT 278.40 319.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 326.84 319.10 Td (from ) Tj ET Q q 0 0 0 rg BT 349.19 319.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 402.63 319.10 Td (other ) Tj ET Q q 0 0 0 rg BT 426.09 319.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 489.53 319.10 Td (income ) Tj ET Q q 0 0 0 rg BT 521.88 319.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.57 319.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.71 307.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.99 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.70 307.10 Td (period ) Tj ET Q q 0 0 0 rg BT 137.75 307.10 Td (or ) Tj ET Q q 0 0 0 rg BT 148.58 307.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 180.52 307.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.23 307.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 226.61 307.10 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 270.20 307.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 316.57 307.10 Td (af) Tj ET Q q 0 0 0 rg BT 324.16 307.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 345.53 307.10 Td (earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 78.26 286.10 Td (both ) Tj ET Q q 0 0 0 rg BT 99.30 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.78 286.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 131.92 286.10 Td (value ) Tj ET Q q 0 0 0 rg BT 156.85 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.55 286.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 195.58 286.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 217.18 286.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 244.32 286.10 Td (scenarios, ) Tj ET Q q 0 0 0 rg BT 287.29 286.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 322.77 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 333.81 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.29 286.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 366.44 286.10 Td (value ) Tj ET Q q 0 0 0 rg BT 391.36 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.95 286.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 450.09 286.10 Td (not ) Tj ET Q q 0 0 0 rg BT 466.13 286.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 512.72 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.76 286.10 Td (be ) Tj ET Q q 0 0 0 rg BT 536.46 286.10 Td (highly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 274.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 87.78 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.54 274.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 133.75 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.95 274.10 Td (change ) Tj ET Q q 0 0 0 rg BT 180.25 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 191.02 274.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 207.88 274.10 Td (value ) Tj ET Q q 0 0 0 rg BT 232.53 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 243.84 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.05 274.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 297.57 274.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 318.32 274.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 343.53 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.85 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.05 274.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 401.92 274.10 Td (item ) Tj ET Q q 0 0 0 rg BT 422.68 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 437.87 274.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 484.72 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 495.49 274.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 532.35 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 543.67 274.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 262.10 Td (income ) Tj ET Q q 0 0 0 rg BT 113.87 262.10 Td (during ) Tj ET Q q 0 0 0 rg BT 142.48 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.19 262.10 Td (period ) Tj ET Q q 0 0 0 rg BT 185.24 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.07 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.79 262.10 Td (change.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 93.59 241.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 141.64 241.10 Td (that ) Tj ET Q q 0 0 0 rg BT 158.02 241.10 Td (are ) Tj ET Q q 0 0 0 rg BT 171.62 241.10 Td (not ) Tj ET Q q 0 0 0 rg BT 185.78 241.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 229.93 241.10 Td (as ) Tj ET Q q 0 0 0 rg BT 239.65 241.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 268.80 241.10 Td (according ) Tj ET Q q 0 0 0 rg BT 309.61 241.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.78 241.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 364.04 241.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 401.52 241.10 Td (are ) Tj ET Q q 0 0 0 rg BT 415.11 241.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 449.81 241.10 Td (on ) Tj ET Q q 0 0 0 rg BT 461.20 241.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.80 241.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 514.51 241.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.23 241.10 Td (condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 229.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 76.09 229.10 Td (value ) Tj ET Q q 0 0 0 rg BT 100.25 229.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.19 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.90 229.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 166.61 229.10 Td (in ) Tj ET Q q 0 0 0 rg BT 176.89 229.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 193.27 229.10 Td (value ) Tj ET Q q 0 0 0 rg BT 217.42 229.10 Td (are ) Tj ET Q q 0 0 0 rg BT 232.13 229.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 278.49 229.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.77 229.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 325.15 229.10 Td (as ) Tj ET Q q 0 0 0 rg BT 335.98 229.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 386.24 229.10 Td (income ) Tj ET Q q 0 0 0 rg BT 418.17 229.10 Td (during ) Tj ET Q q 0 0 0 rg BT 446.78 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.50 229.10 Td (period ) Tj ET Q q 0 0 0 rg BT 489.55 229.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.38 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.09 229.10 Td (change.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 108.98 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 119.06 208.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 139.70 208.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 179.77 208.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 203.18 208.10 Td (\(i.e. ) Tj ET Q q 0 0 0 rg BT 221.03 208.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 252.77 208.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 270.07 208.10 Td (locks\) ) Tj ET Q q 0 0 0 rg BT 296.81 208.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.89 208.10 Td (be ) Tj ET Q q 0 0 0 rg BT 318.64 208.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 337.62 208.10 Td (into ) Tj ET Q q 0 0 0 rg BT 355.48 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.00 208.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 412.84 208.10 Td (market ) Tj ET Q q 0 0 0 rg BT 442.91 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.66 208.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 493.62 208.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 550.36 208.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.69 196.10 Td (future ) Tj ET Q q 0 0 0 rg BT 91.03 196.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 126.26 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.06 196.10 Td (these ) Tj ET Q q 0 0 0 rg BT 160.08 196.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 200.31 196.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.88 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 238.56 196.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 281.56 196.10 Td (for ) Tj ET Q q 0 0 0 rg BT 295.69 196.10 Td (as ) Tj ET Q q 0 0 0 rg BT 306.49 196.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 352.83 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.73 196.10 Td (are ) Tj ET Q q 0 0 0 rg BT 384.41 196.10 Td (not ) Tj ET Q q 0 0 0 rg BT 399.66 196.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 444.89 196.10 Td (in ) Tj ET Q q 0 0 0 rg BT 455.13 196.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 489.82 196.10 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 545.89 196.10 Td (Fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (values ) Tj ET Q q 0 0 0 rg BT 77.43 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.64 184.10 Td (these ) Tj ET Q q 0 0 0 rg BT 110.08 184.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 149.72 184.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 195.48 184.10 Td (are ) Tj ET Q q 0 0 0 rg BT 209.57 184.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 249.77 184.10 Td (based ) Tj ET Q q 0 0 0 rg BT 274.43 184.10 Td (on ) Tj ET Q q 0 0 0 rg BT 286.31 184.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 320.40 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 330.06 184.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 369.71 184.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 390.47 184.10 Td (from ) Tj ET Q q 0 0 0 rg BT 411.79 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.89 184.10 Td (date ) Tj ET Q q 0 0 0 rg BT 444.43 184.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.65 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.75 184.10 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 527.57 184.10 Td (Changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 172.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 91.37 172.10 Td (values ) Tj ET Q q 0 0 0 rg BT 119.42 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 130.25 172.10 Td (these ) Tj ET Q q 0 0 0 rg BT 153.30 172.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 199.67 172.10 Td (are ) Tj ET Q q 0 0 0 rg BT 214.38 172.10 Td (included ) Tj ET Q q 0 0 0 rg BT 251.31 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.59 172.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 301.85 172.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 336.57 172.10 Td (revenue.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (Forward ) Tj ET Q q 0 0 0 rg BT 86.36 151.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 123.82 151.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 162.40 151.10 Td (used ) Tj ET Q q 0 0 0 rg BT 183.21 151.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.47 151.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 227.05 151.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 258.41 151.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 298.65 151.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 316.13 151.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 359.71 151.10 Td (with ) Tj ET Q q 0 0 0 rg BT 379.97 151.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 409.65 151.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 435.47 151.10 Td (are ) Tj ET Q q 0 0 0 rg BT 450.16 151.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 493.17 151.10 Td (for ) Tj ET Q q 0 0 0 rg BT 507.31 151.10 Td (as ) Tj ET Q q 0 0 0 rg BT 518.13 151.10 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.94 139.10 Td (are ) Tj ET Q q 0 0 0 rg BT 83.65 139.10 Td (not ) Tj ET Q q 0 0 0 rg BT 99.93 139.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 146.19 139.10 Td (in ) Tj ET Q q 0 0 0 rg BT 157.47 139.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 193.19 139.10 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 250.29 139.10 Td ( ) Tj ET Q q 0 0 0 rg BT 253.79 139.10 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 288.40 139.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 326.88 139.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 374.25 139.10 Td (are ) Tj ET Q q 0 0 0 rg BT 389.96 139.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 428.44 139.10 Td (at ) Tj ET Q q 0 0 0 rg BT 439.16 139.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 456.53 139.10 Td (value ) Tj ET Q q 0 0 0 rg BT 481.69 139.10 Td (based ) Tj ET Q q 0 0 0 rg BT 507.96 139.10 Td (on ) Tj ET Q q 0 0 0 rg BT 521.46 139.10 Td (prevailing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 87.74 127.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 128.25 127.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 149.89 127.10 Td (at ) Tj ET Q q 0 0 0 rg BT 159.87 127.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.85 127.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 230.92 127.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 252.83 127.10 Td ( ) Tj ET Q q 0 0 0 rg BT 255.60 127.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 292.80 127.10 Td (in ) Tj ET Q q 0 0 0 rg BT 303.33 127.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.31 127.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 334.95 127.10 Td (values ) Tj ET Q q 0 0 0 rg BT 363.26 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.35 127.10 Td (these ) Tj ET Q q 0 0 0 rg BT 397.66 127.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 444.29 127.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 482.05 127.10 Td (from ) Tj ET Q q 0 0 0 rg BT 504.25 127.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 554.22 127.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 87.48 115.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 108.85 115.10 Td (are ) Tj ET Q q 0 0 0 rg BT 123.56 115.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 169.92 115.10 Td (in ) Tj ET Q q 0 0 0 rg BT 180.20 115.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 216.58 115.10 Td (as ) Tj ET Q q 0 0 0 rg BT 227.41 115.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 277.67 115.10 Td (income ) Tj ET Q q 0 0 0 rg BT 309.60 115.10 Td (during ) Tj ET Q q 0 0 0 rg BT 338.21 115.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.93 115.10 Td (period ) Tj ET Q q 0 0 0 rg BT 380.98 115.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.81 115.10 Td (change.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Periodically) Tj ET Q q 0 0 0 rg BT 97.67 94.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.71 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.47 94.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 158.90 94.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 179.22 94.10 Td (options ) Tj ET Q q 0 0 0 rg BT 211.22 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.54 94.10 Td (an ) Tj ET Q q 0 0 0 rg BT 233.52 94.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 273.26 94.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 295.25 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 306.12 94.10 Td (dealer ) Tj ET Q q 0 0 0 rg BT 333.08 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 347.29 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.05 94.10 Td (right ) Tj ET Q q 0 0 0 rg BT 383.48 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 393.80 94.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 431.88 94.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 461.62 94.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 501.93 94.10 Td (held ) Tj ET Q q 0 0 0 rg BT 521.69 94.10 Td (within ) Tj ET Q q 0 0 0 rg BT 549.79 94.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (banks) Tj ET Q q 0 0 0 rg BT 75.92 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.39 82.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 124.73 82.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 166.09 82.10 Td (\(covered ) Tj ET Q q 0 0 0 rg BT 207.97 82.10 Td (call ) Tj ET Q q 0 0 0 rg BT 224.87 82.10 Td (options\). ) Tj ET Q q 0 0 0 rg BT 266.88 82.10 Td (These ) Tj ET Q q 0 0 0 rg BT 293.22 82.10 Td (option ) Tj ET Q q 0 0 0 rg BT 321.24 82.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 371.48 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 386.15 82.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 424.16 82.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 463.84 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 474.64 82.10 Td (an ) Tj ET Q q 0 0 0 rg BT 486.55 82.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 527.89 82.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 554.23 82.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (compensate ) Tj ET Q q 0 0 0 rg BT 100.31 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.09 70.10 Td (net ) Tj ET Q q 0 0 0 rg BT 130.41 70.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 162.96 70.10 Td (mar) Tj ET Q q 0 0 0 rg BT 178.33 70.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 194.22 70.10 Td (compression ) Tj ET Q q 0 0 0 rg BT 247.88 70.10 Td (by ) Tj ET Q q 0 0 0 rg BT 260.99 70.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 305.19 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.52 70.10 Td (total ) Tj ET Q q 0 0 0 rg BT 341.41 70.10 Td (return ) Tj ET Q q 0 0 0 rg BT 368.40 70.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 412.60 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 433.49 70.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 467.16 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.49 70.10 Td (related ) Tj ET Q q 0 0 0 rg BT 512.80 70.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 553.68 70.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 82.59 58.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 108.53 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 121.13 58.10 Td (using ) Tj ET Q q 0 0 0 rg BT 145.41 58.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 160.22 58.10 Td (income ) Tj ET Q q 0 0 0 rg BT 192.26 58.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 233.72 58.10 Td (from ) Tj ET Q q 0 0 0 rg BT 255.77 58.10 Td (these ) Tj ET Q q 0 0 0 rg BT 278.92 58.10 Td (options. ) Tj ET Q q 0 0 0 rg BT 313.28 58.10 Td (These ) Tj ET Q q 0 0 0 rg BT 339.77 58.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 390.13 58.10 Td (are ) Tj ET Q q 0 0 0 rg BT 404.95 58.10 Td (not ) Tj ET Q q 0 0 0 rg BT 420.33 58.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 465.70 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 476.08 58.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 510.90 58.10 Td (relationships ) Tj ET Q endstream endobj 217 0 obj <> endobj 218 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (108) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 87.69 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.73 742.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 145.86 742.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 185.21 742.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 205.40 742.10 Td (accordingly) Tj ET Q q 0 0 0 rg BT 251.95 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 257.71 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 293.17 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.21 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 321.34 742.10 Td (values ) Tj ET Q q 0 0 0 rg BT 350.14 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.73 742.10 Td (these ) Tj ET Q q 0 0 0 rg BT 385.53 742.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 427.38 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 442.84 742.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 479.41 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 490.45 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 514.25 742.10 Td (non-interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 84.25 730.10 Td (There ) Tj ET Q q 0 0 0 rg BT 110.07 730.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.00 730.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.00 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.50 730.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 178.64 730.10 Td (call ) Tj ET Q q 0 0 0 rg BT 195.58 730.10 Td (option ) Tj ET Q q 0 0 0 rg BT 223.63 730.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 262.23 730.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 311.39 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 322.22 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.05 730.10 Td (December ) Tj ET Q q 0 0 0 rg BT 376.64 730.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 391.64 730.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 414.14 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.07 730.10 Td (2014. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.01 709.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 72.89 709.10 Td (Assets, ) Tj ET Q q 0 0 0 rg BT 102.71 709.10 Td (Assets Under Management and Br) Tj ET Q q 0 0 0 rg BT 240.10 709.10 Td (okerage ) Tj ET Q q 0 0 0 rg BT 274.62 709.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.36 688.10 Td (held ) Tj ET Q q 0 0 0 rg BT 97.83 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 107.85 688.10 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 146.20 688.10 Td (or ) Tj ET Q q 0 0 0 rg BT 156.77 688.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 187.34 688.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 222.90 688.10 Td (for ) Tj ET Q q 0 0 0 rg BT 236.81 688.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 279.60 688.10 Td (are ) Tj ET Q q 0 0 0 rg BT 294.06 688.10 Td (not ) Tj ET Q q 0 0 0 rg BT 309.08 688.10 Td (included ) Tj ET Q q 0 0 0 rg BT 345.77 688.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.79 688.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.26 688.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 423.05 688.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 460.28 688.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 504.74 688.10 Td (as ) Tj ET Q q 0 0 0 rg BT 515.32 688.10 Td (they ) Tj ET Q q 0 0 0 rg BT 534.78 688.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.24 688.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.56 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.96 676.10 Td (W) Tj ET Q q 0 0 0 rg BT 95.00 676.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 122.79 676.10 Td (or ) Tj ET Q q 0 0 0 rg BT 133.35 676.10 Td (its ) Tj ET Q q 0 0 0 rg BT 145.04 676.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 196.99 676.10 Td (Fee ) Tj ET Q q 0 0 0 rg BT 213.66 676.10 Td (income ) Tj ET Q q 0 0 0 rg BT 245.32 676.10 Td (is ) Tj ET Q q 0 0 0 rg BT 254.23 676.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 300.32 676.10 Td (on ) Tj ET Q q 0 0 0 rg BT 312.55 676.10 Td (an ) Tj ET Q q 0 0 0 rg BT 324.23 676.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 355.32 676.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 377.55 676.10 Td (and ) Tj ET Q q 0 0 0 rg BT 394.23 676.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.13 676.10 Td (included ) Tj ET Q q 0 0 0 rg BT 439.79 676.10 Td (as ) Tj ET Q q 0 0 0 rg BT 450.36 676.10 Td (a ) Tj ET Q q 0 0 0 rg BT 457.03 676.10 Td (component ) Tj ET Q q 0 0 0 rg BT 503.70 676.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.26 676.10 Td (non-interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (income.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 643.10 Td (Income T) Tj ET Q q 0 0 0 rg BT 86.57 643.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 622.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 88.11 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.05 622.10 Td (its ) Tj ET Q q 0 0 0 rg BT 119.01 622.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 169.74 622.10 Td (file ) Tj ET Q q 0 0 0 rg BT 186.58 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 194.53 622.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 248.58 622.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 282.08 622.10 Td (income ) Tj ET Q q 0 0 0 rg BT 315.02 622.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 330.75 622.10 Td (return. ) Tj ET Q q 0 0 0 rg BT 360.63 622.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 394.13 622.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 409.86 622.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 445.58 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 455.76 622.10 Td (based ) Tj ET Q q 0 0 0 rg BT 482.04 622.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 505.55 622.10 Td (income ) Tj ET Q q 0 0 0 rg BT 538.49 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 622.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.56 610.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 141.57 610.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 186.80 610.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 213.14 610.10 Td (than ) Tj ET Q q 0 0 0 rg BT 233.37 610.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 270.28 610.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 306.62 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 319.64 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.88 610.10 Td (income ) Tj ET Q q 0 0 0 rg BT 367.33 610.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 382.57 610.10 Td (return. ) Tj ET Q q 0 0 0 rg BT 411.97 610.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 450.52 610.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 465.76 610.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 492.11 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.57 610.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 549.81 610.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 95.95 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 109.70 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.00 598.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 164.41 598.10 Td (future ) Tj ET Q q 0 0 0 rg BT 190.37 598.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 204.67 598.10 Td (consequences ) Tj ET Q q 0 0 0 rg BT 261.73 598.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 309.36 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 319.22 598.10 Td (dif) Tj ET Q q 0 0 0 rg BT 330.15 598.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 365.54 598.10 Td (between ) Tj ET Q q 0 0 0 rg BT 400.94 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.25 598.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 452.31 598.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 492.72 598.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 528.12 598.10 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.46 586.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 96.25 586.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 122.71 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 140.28 586.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 180.63 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.20 586.10 Td (their ) Tj ET Q q 0 0 0 rg BT 219.65 586.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 263.32 586.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 278.66 586.10 Td (bases. ) Tj ET Q q 0 0 0 rg BT 305.95 586.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 344.61 586.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 359.96 586.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 386.42 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.98 586.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 444.33 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 459.67 586.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 501.11 586.10 Td (using ) Tj ET Q q 0 0 0 rg BT 525.91 586.10 Td (currently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (enacted ) Tj ET Q q 0 0 0 rg BT 82.18 574.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 96.05 574.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 116.58 574.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 153.76 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.19 574.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 187.06 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 196.48 574.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 227.01 574.10 Td (income ) Tj ET Q q 0 0 0 rg BT 258.09 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.52 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.39 574.10 Td (years ) Tj ET Q q 0 0 0 rg BT 304.14 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 313.56 574.10 Td (which ) Tj ET Q q 0 0 0 rg BT 339.65 574.10 Td (those ) Tj ET Q q 0 0 0 rg BT 362.41 574.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 405.16 574.10 Td (dif) Tj ET Q q 0 0 0 rg BT 416.08 574.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 451.04 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 464.90 574.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 502.08 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.51 574.10 Td (be ) Tj ET Q q 0 0 0 rg BT 522.60 574.10 Td (recovered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.46 562.10 Td (settled. ) Tj ET Q q 0 0 0 rg BT 91.04 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 108.72 562.10 Td (ef) Tj ET Q q 0 0 0 rg BT 116.31 562.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 133.43 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 145.56 562.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 180.99 562.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 195.34 562.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 220.80 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.37 562.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 276.72 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.18 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 293.75 562.10 Td (change ) Tj ET Q q 0 0 0 rg BT 324.20 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.11 562.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 348.46 562.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 369.47 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 378.27 562.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 424.26 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 434.72 562.10 Td (an ) Tj ET Q q 0 0 0 rg BT 446.29 562.10 Td (income ) Tj ET Q q 0 0 0 rg BT 477.86 562.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 492.20 562.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 522.10 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 532.56 562.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.72 550.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 99.42 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 109.70 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.42 550.10 Td (period ) Tj ET Q q 0 0 0 rg BT 152.47 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 169.96 550.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 205.79 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.50 550.10 Td (enactment ) Tj ET Q q 0 0 0 rg BT 264.09 550.10 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Positions ) Tj ET Q q 0 0 0 rg BT 88.39 526.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 111.75 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.23 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.16 526.10 Td (Company) Tj ET Q q 0 0 0 rg BT 176.82 526.10 Td (s ) Tj ET Q q 0 0 0 rg BT 182.42 526.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 196.34 526.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 225.82 526.10 Td (may ) Tj ET Q q 0 0 0 rg BT 244.74 526.10 Td (be ) Tj ET Q q 0 0 0 rg BT 255.89 526.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 285.92 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.40 526.10 Td (challenge ) Tj ET Q q 0 0 0 rg BT 335.42 526.10 Td (by ) Tj ET Q q 0 0 0 rg BT 347.13 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.05 526.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 387.75 526.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 431.67 526.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 453.38 526.10 Td (examination. ) Tj ET Q q 0 0 0 rg BT 507.01 526.10 Td (In ) Tj ET Q q 0 0 0 rg BT 517.05 526.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.50 514.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 114.32 514.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 160.92 514.10 Td (guidance, ) Tj ET Q q 0 0 0 rg BT 202.24 514.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 242.17 514.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 257.11 514.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 295.95 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 310.89 514.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 344.72 514.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 391.31 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 401.81 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.76 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 454.46 514.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 499.40 514.10 Td (when ) Tj ET Q q 0 0 0 rg BT 523.79 514.10 Td (it ) Tj ET Q q 0 0 0 rg BT 532.07 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 541.47 514.10 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 75.59 502.10 Td (than ) Tj ET Q q 0 0 0 rg BT 95.62 502.10 Td (not ) Tj ET Q q 0 0 0 rg BT 111.21 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.24 502.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 165.17 502.10 Td (will ) Tj ET Q q 0 0 0 rg BT 183.54 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 195.79 502.10 Td (sustained ) Tj ET Q q 0 0 0 rg BT 235.82 502.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 258.63 502.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 310.87 502.10 Td (by ) Tj ET Q q 0 0 0 rg BT 323.68 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.71 502.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 353.74 502.10 Td (authorities. ) Tj ET Q q 0 0 0 rg BT 401.26 502.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 424.08 502.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 439.11 502.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 478.04 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 493.06 502.10 Td (both ) Tj ET Q q 0 0 0 rg BT 513.65 502.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 547.57 502.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 104.39 490.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 144.88 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 155.38 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.77 490.10 Td (lar) Tj ET Q q 0 0 0 rg BT 180.14 490.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 198.42 490.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 230.59 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.09 490.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 255.48 490.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 285.42 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 302.58 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 311.43 490.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 341.35 490.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.74 490.10 Td (50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.07 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 381.25 490.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 406.19 490.10 Td (being ) Tj ET Q q 0 0 0 rg BT 430.58 490.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 464.39 490.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 486.57 490.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 529.84 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 490.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.35 478.10 Td (authority) Tj ET Q q 0 0 0 rg BT 99.81 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 104.44 478.10 Td (assuming ) Tj ET Q q 0 0 0 rg BT 144.36 478.10 Td (full ) Tj ET Q q 0 0 0 rg BT 160.38 478.10 Td (knowledge ) Tj ET Q q 0 0 0 rg BT 206.39 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 216.86 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.21 478.10 Td (position ) Tj ET Q q 0 0 0 rg BT 265.58 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.15 478.10 Td (all ) Tj ET Q q 0 0 0 rg BT 294.28 478.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 328.62 478.10 Td (facts. ) Tj ET Q q 0 0 0 rg BT 352.13 478.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 384.26 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.83 478.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 438.51 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 450.64 478.10 Td (income ) Tj ET Q q 0 0 0 rg BT 482.21 478.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 496.57 478.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 549.79 478.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 90.26 466.10 Td (within ) Tj ET Q q 0 0 0 rg BT 118.32 466.10 Td (income ) Tj ET Q q 0 0 0 rg BT 150.25 466.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 164.97 466.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 199.68 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 209.96 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.67 466.10 Td (income ) Tj ET Q q 0 0 0 rg BT 256.61 466.10 Td (statement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 445.10 Td (Stock-Based Compensation Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.20 424.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 109.03 424.10 Td (with ) Tj ET Q q 0 0 0 rg BT 129.05 424.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 151.37 424.10 Td (718, ) Tj ET Q q 0 0 0 rg BT 171.74 424.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 236.82 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 249.69 424.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 275.34 424.10 Td (Compensation, ) Tj ET Q q 0 0 0 rg BT 342.92 424.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 401.33 424.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 420.31 424.10 Td (is ) Tj ET Q q 0 0 0 rg BT 429.85 424.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 471.04 424.10 Td (as ) Tj ET Q q 0 0 0 rg BT 482.24 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.33 424.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 514.07 424.10 Td (value ) Tj ET Q q 0 0 0 rg BT 538.60 424.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 424.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 81.03 412.10 Td (on ) Tj ET Q q 0 0 0 rg BT 93.75 412.10 Td (their ) Tj ET Q q 0 0 0 rg BT 114.79 412.10 Td (date ) Tj ET Q q 0 0 0 rg BT 134.16 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 145.20 412.10 Td (grant. ) Tj ET Q q 0 0 0 rg BT 170.36 412.10 Td (A) Tj ET Q q 0 0 0 rg BT 177.03 412.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.75 412.10 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 240.22 412.10 Td (model ) Tj ET Q q 0 0 0 rg BT 267.93 412.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.32 412.10 Td (utilized ) Tj ET Q q 0 0 0 rg BT 310.02 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.51 412.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 356.55 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.48 412.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 388.07 412.10 Td (value ) Tj ET Q q 0 0 0 rg BT 412.44 412.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.48 412.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 447.30 412.10 Td (options ) Tj ET Q q 0 0 0 rg BT 479.47 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.62 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.55 412.10 Td (market ) Tj ET Q q 0 0 0 rg BT 542.03 412.10 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.42 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.73 400.10 Td (Company) Tj ET Q q 0 0 0 rg BT 118.39 400.10 Td (s ) Tj ET Q q 0 0 0 rg BT 125.37 400.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 149.57 400.10 Td (at ) Tj ET Q q 0 0 0 rg BT 159.88 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.18 400.10 Td (date ) Tj ET Q q 0 0 0 rg BT 194.93 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.35 400.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 229.99 400.10 Td (is ) Tj ET Q q 0 0 0 rg BT 239.75 400.10 Td (used ) Tj ET Q q 0 0 0 rg BT 261.17 400.10 Td (to ) Tj ET Q q 0 0 0 rg BT 272.03 400.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 308.44 400.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.75 400.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 340.72 400.10 Td (value ) Tj ET Q q 0 0 0 rg BT 365.46 400.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.88 400.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 417.17 400.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 441.37 400.10 Td (awards. ) Tj ET Q q 0 0 0 rg BT 475.28 400.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 536.15 400.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 555.34 400.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 95.61 388.10 Td (over ) Tj ET Q q 0 0 0 rg BT 115.13 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.09 388.10 Td (required ) Tj ET Q q 0 0 0 rg BT 164.15 388.10 Td (service ) Tj ET Q q 0 0 0 rg BT 194.21 388.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 224.01 388.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 262.96 388.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 294.69 388.10 Td (as ) Tj ET Q q 0 0 0 rg BT 304.77 388.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.73 388.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 349.36 388.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 379.16 388.10 Td (For ) Tj ET Q q 0 0 0 rg BT 394.80 388.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 424.86 388.10 Td (with ) Tj ET Q q 0 0 0 rg BT 444.39 388.10 Td (graded ) Tj ET Q q 0 0 0 rg BT 473.34 388.10 Td (vesting, ) Tj ET Q q 0 0 0 rg BT 506.48 388.10 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 68.61 376.10 Td (is ) Tj ET Q q 0 0 0 rg BT 77.78 376.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 124.14 376.10 Td (on ) Tj ET Q q 0 0 0 rg BT 136.64 376.10 Td (a ) Tj ET Q q 0 0 0 rg BT 143.58 376.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 194.40 376.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 216.90 376.10 Td (over ) Tj ET Q q 0 0 0 rg BT 237.17 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.88 376.10 Td (requisite ) Tj ET Q q 0 0 0 rg BT 288.82 376.10 Td (service ) Tj ET Q q 0 0 0 rg BT 319.63 376.10 Td (period ) Tj ET Q q 0 0 0 rg BT 347.68 376.10 Td (for ) Tj ET Q q 0 0 0 rg BT 361.84 376.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.56 376.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 401.82 376.10 Td (award.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 98.84 355.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 137.12 355.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 171.52 355.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.92 355.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 233.65 355.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.17 355.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 267.47 355.10 Td (based ) Tj ET Q q 0 0 0 rg BT 292.42 355.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 350.15 355.10 Td (for ) Tj ET Q q 0 0 0 rg BT 364.00 355.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.40 355.10 Td (number ) Tj ET Q q 0 0 0 rg BT 411.14 355.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.66 355.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 452.16 355.10 Td (that ) Tj ET Q q 0 0 0 rg BT 469.35 355.10 Td (are ) Tj ET Q q 0 0 0 rg BT 483.74 355.10 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 526.47 355.10 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.27 343.10 Td (vest. ) Tj ET Q q 0 0 0 rg BT 82.61 343.10 Td (As ) Tj ET Q q 0 0 0 rg BT 97.22 343.10 Td (a ) Tj ET Q q 0 0 0 rg BT 105.15 343.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 133.36 343.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 180.72 343.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 239.76 343.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 275.46 343.10 Td (for ) Tj ET Q q 0 0 0 rg BT 290.62 343.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 315.22 343.10 Td (options ) Tj ET Q q 0 0 0 rg BT 348.17 343.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.10 343.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 406.80 343.10 Td (share ) Tj ET Q q 0 0 0 rg BT 431.40 343.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 463.21 343.10 Td (is ) Tj ET Q q 0 0 0 rg BT 473.38 343.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 508.52 343.10 Td (for ) Tj ET Q q 0 0 0 rg BT 523.68 343.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (forfeitures ) Tj ET Q q 0 0 0 rg BT 93.03 331.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 113.86 331.10 Td (to ) Tj ET Q q 0 0 0 rg BT 123.03 331.10 Td (vesting. ) Tj ET Q q 0 0 0 rg BT 155.81 331.10 Td (Forfeitures ) Tj ET Q q 0 0 0 rg BT 201.07 331.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 221.34 331.10 Td (are ) Tj ET Q q 0 0 0 rg BT 234.93 331.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 274.64 331.10 Td (for ) Tj ET Q q 0 0 0 rg BT 287.69 331.10 Td (each ) Tj ET Q q 0 0 0 rg BT 307.40 331.10 Td (type ) Tj ET Q q 0 0 0 rg BT 326.00 331.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.72 331.10 Td (award ) Tj ET Q q 0 0 0 rg BT 361.54 331.10 Td (based ) Tj ET Q q 0 0 0 rg BT 385.70 331.10 Td (on ) Tj ET Q q 0 0 0 rg BT 397.09 331.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 435.69 331.10 Td (forfeiture ) Tj ET Q q 0 0 0 rg BT 474.83 331.10 Td (experience. ) Tj ET Q q 0 0 0 rg BT 522.02 331.10 Td (Estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (forfeitures ) Tj ET Q q 0 0 0 rg BT 94.15 319.10 Td (will ) Tj ET Q q 0 0 0 rg BT 112.20 319.10 Td (be ) Tj ET Q q 0 0 0 rg BT 124.14 319.10 Td (reassessed ) Tj ET Q q 0 0 0 rg BT 168.29 319.10 Td (in ) Tj ET Q q 0 0 0 rg BT 178.57 319.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 225.51 319.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 257.45 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.38 319.10 Td (may ) Tj ET Q q 0 0 0 rg BT 294.10 319.10 Td (change ) Tj ET Q q 0 0 0 rg BT 324.92 319.10 Td (based ) Tj ET Q q 0 0 0 rg BT 350.19 319.10 Td (on ) Tj ET Q q 0 0 0 rg BT 362.69 319.10 Td (new ) Tj ET Q q 0 0 0 rg BT 381.85 319.10 Td (facts ) Tj ET Q q 0 0 0 rg BT 403.22 319.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.16 319.10 Td (circumstances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 298.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.43 298.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 135.83 298.10 Td (new ) Tj ET Q q 0 0 0 rg BT 154.99 298.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 182.48 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.75 298.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 221.36 298.10 Td (option ) Tj ET Q q 0 0 0 rg BT 249.42 298.10 Td (exercises ) Tj ET Q q 0 0 0 rg BT 288.56 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.50 298.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 336.89 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.72 298.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 387.42 298.10 Td (shares.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 277.10 Td (Compr) Tj ET Q q 0 0 0 rg BT 77.41 277.10 Td (ehensive Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 114.41 256.10 Td (income ) Tj ET Q q 0 0 0 rg BT 145.48 256.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 178.80 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.77 256.10 Td (net ) Tj ET Q q 0 0 0 rg BT 202.63 256.10 Td (income ) Tj ET Q q 0 0 0 rg BT 233.71 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.79 256.10 Td (other ) Tj ET Q q 0 0 0 rg BT 271.98 256.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 334.15 256.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 367.73 256.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 392.14 256.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 454.32 256.10 Td (income ) Tj ET Q q 0 0 0 rg BT 485.39 256.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 520.36 256.10 Td (unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 72.85 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.02 244.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 114.65 244.10 Td (on ) Tj ET Q q 0 0 0 rg BT 126.39 244.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 177.27 244.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 197.88 244.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 239.88 244.10 Td (net ) Tj ET Q q 0 0 0 rg BT 253.84 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.90 244.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 298.95 244.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 323.73 244.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 357.67 244.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.19 244.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 402.23 244.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 425.08 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.25 244.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 466.88 244.10 Td (on ) Tj ET Q q 0 0 0 rg BT 478.62 244.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 524.24 244.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 95.47 232.10 Td (from ) Tj ET Q q 0 0 0 rg BT 117.07 232.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 167.94 232.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 188.98 232.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 228.91 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.85 232.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 306.54 232.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 348.97 232.10 Td (net ) Tj ET Q q 0 0 0 rg BT 363.34 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.84 232.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 409.30 232.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 434.51 232.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 484.44 232.10 Td (related ) Tj ET Q q 0 0 0 rg BT 513.81 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.75 232.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 543.67 232.10 Td (flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 82.77 220.10 Td (net ) Tj ET Q q 0 0 0 rg BT 97.49 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.32 220.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 144.12 220.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 167.17 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.11 220.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 215.48 220.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 252.96 220.10 Td (translation ) Tj ET Q q 0 0 0 rg BT 297.67 220.10 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 350.44 220.10 Td (net ) Tj ET Q q 0 0 0 rg BT 365.16 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.99 220.10 Td (taxes.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 74.16 199.10 Td (Repur) Tj ET Q q 0 0 0 rg BT 98.22 199.10 Td (chases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.68 178.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.69 178.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 158.58 178.10 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 207.91 178.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 235.03 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.49 178.10 Td (its ) Tj ET Q q 0 0 0 rg BT 257.07 178.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 305.87 178.10 Td (common ) Tj ET Q q 0 0 0 rg BT 342.99 178.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 366.23 178.10 Td (through ) Tj ET Q q 0 0 0 rg BT 399.47 178.10 Td (open ) Tj ET Q q 0 0 0 rg BT 421.04 178.10 Td (market ) Tj ET Q q 0 0 0 rg BT 450.93 178.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 492.49 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 502.95 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 525.63 178.10 Td (methods. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (Repurchased ) Tj ET Q q 0 0 0 rg BT 103.59 166.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 130.52 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 144.67 166.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 181.59 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 191.87 166.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 226.02 166.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 252.95 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 264.89 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.05 166.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 300.98 166.10 Td (date ) Tj ET Q q 0 0 0 rg BT 319.58 166.10 Td (using ) Tj ET Q q 0 0 0 rg BT 343.19 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.35 166.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 391.50 166.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 414.56 166.10 Td (method, ) Tj ET Q q 0 0 0 rg BT 448.99 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.38 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.54 166.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 499.25 166.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 518.41 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 527.02 166.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 154.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 95.54 154.10 Td (stock.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (For) Tj ET Q q 0 0 0 rg BT 64.63 133.10 Td (eign Curr) Tj ET Q q 0 0 0 rg BT 103.43 133.10 Td (ency T) Tj ET Q q 0 0 0 rg BT 129.25 133.10 Td (ranslation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.83 112.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.99 112.10 Td (revalues ) Tj ET Q q 0 0 0 rg BT 144.59 112.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 172.70 112.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 214.69 112.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 248.62 112.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.33 112.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 299.82 112.10 Td (denominated ) Tj ET Q q 0 0 0 rg BT 353.75 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 363.81 112.10 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 402.20 112.10 Td (currencies ) Tj ET Q q 0 0 0 rg BT 445.56 112.10 Td (into ) Tj ET Q q 0 0 0 rg BT 463.40 112.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 483.46 112.10 Td (dollars ) Tj ET Q q 0 0 0 rg BT 512.96 112.10 Td (at ) Tj ET Q q 0 0 0 rg BT 522.46 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.95 112.10 Td (end ) Tj ET Q q 0 0 0 rg BT 553.67 112.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.82 100.10 Td (month ) Tj ET Q q 0 0 0 rg BT 98.87 100.10 Td (using ) Tj ET Q q 0 0 0 rg BT 123.04 100.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 166.63 100.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 206.88 100.10 Td (rates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 79.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 78.08 79.10 Td (and ) Tj ET Q q 0 0 0 rg BT 97.27 79.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 125.92 79.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 161.21 79.10 Td (to ) Tj ET Q q 0 0 0 rg BT 173.74 79.10 Td (translating ) Tj ET Q q 0 0 0 rg BT 220.70 79.10 Td (functional ) Tj ET Q q 0 0 0 rg BT 266.00 79.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 305.73 79.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 345.46 79.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 392.42 79.10 Td (for ) Tj ET Q q 0 0 0 rg BT 408.83 79.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 431.37 79.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 472.78 79.10 Td (are ) Tj ET Q q 0 0 0 rg BT 489.74 79.10 Td (included ) Tj ET Q q 0 0 0 rg BT 528.92 79.10 Td (in ) Tj ET Q q 0 0 0 rg BT 541.45 79.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 67.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 112.97 67.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 147.33 67.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 173.10 67.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.97 67.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 216.29 67.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 249.27 67.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.48 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.13 67.10 Td (remeasurement ) Tj ET Q q 0 0 0 rg BT 337.64 67.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.40 67.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 398.60 67.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.81 67.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.46 67.10 Td (functional ) Tj ET Q q 0 0 0 rg BT 466.44 67.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 503.85 67.10 Td (are ) Tj ET Q q 0 0 0 rg BT 518.49 67.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 554.23 67.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 55.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 55.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 119.99 55.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 166.37 55.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.20 55.10 Td (Income.) Tj ET Q endstream endobj 219 0 obj <> endobj 220 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (109) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (New ) Tj ET Q q 0 0 0 rg BT 70.10 742.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 118.14 742.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 127.77 742.10 Td (onouncements ) Tj ET Q q 0 0 0 rg BT 187.29 742.10 Td (Adopted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.71 718.10 Td (January ) Tj ET Q q 0 0 0 rg BT 94.18 718.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 119.06 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.65 718.10 Td (F) Tj ET Q q 0 0 0 rg BT 138.47 718.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 160.30 718.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 187.15 718.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 209.54 718.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 226.64 718.10 Td (2014-01, ) Tj ET Q q 0 0 0 rg BT 264.84 718.10 Td (Investments ) Tj ET Q q 0 0 0 rg BT 319.98 718.10 Td (- ) Tj ET Q q 0 0 0 rg BT 325.69 718.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 354.73 718.10 Td (Method ) Tj ET Q q 0 0 0 rg BT 388.22 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.03 718.10 Td (Joint ) Tj ET Q q 0 0 0 rg BT 426.69 718.10 Td (V) Tj ET Q q 0 0 0 rg BT 432.80 718.10 Td (entures ) Tj ET Q q 0 0 0 rg BT 464.05 718.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 472.79 718.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 492.39 718.10 Td (323\): ) Tj ET Q q 0 0 0 rg BT 515.35 718.10 Td (Accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.89 706.10 Td (Investments ) Tj ET Q q 0 0 0 rg BT 116.44 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 127.45 706.10 Td (Qualified ) Tj ET Q q 0 0 0 rg BT 167.73 706.10 Td (Af) Tj ET Q q 0 0 0 rg BT 178.10 706.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 214.64 706.10 Td (Housing ) Tj ET Q q 0 0 0 rg BT 251.76 706.10 Td (Projects, ) Tj ET Q q 0 0 0 rg BT 294.14 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.15 706.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 338.92 706.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 378.24 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 391.47 706.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 438.57 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 453.46 706.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 504.46 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 517.69 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.35 706.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 75.29 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.59 694.10 Td (flow-through ) Tj ET Q q 0 0 0 rg BT 140.88 694.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 171.73 694.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 205.36 694.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 236.77 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 254.28 694.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 280.69 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 290.99 694.10 Td (af) Tj ET Q q 0 0 0 rg BT 298.58 694.10 Td (fordable ) Tj ET Q q 0 0 0 rg BT 334.41 694.10 Td (housing ) Tj ET Q q 0 0 0 rg BT 368.60 694.10 Td (projects ) Tj ET Q q 0 0 0 rg BT 402.78 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 420.30 694.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 451.14 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 465.32 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.06 694.10 Td (low-income ) Tj ET Q q 0 0 0 rg BT 530.35 694.10 Td (housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.60 682.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 92.08 682.10 Td (This ) Tj ET Q q 0 0 0 rg BT 111.72 682.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 134.11 682.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 166.49 682.10 Td (new ) Tj ET Q q 0 0 0 rg BT 185.54 682.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 231.80 682.10 Td (treatment, ) Tj ET Q q 0 0 0 rg BT 274.44 682.10 Td (if ) Tj ET Q q 0 0 0 rg BT 282.94 682.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 312.53 682.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 356.58 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 371.17 682.10 Td (met, ) Tj ET Q q 0 0 0 rg BT 391.06 682.10 Td (which ) Tj ET Q q 0 0 0 rg BT 417.88 682.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 446.38 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.98 682.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 502.25 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 512.42 682.10 Td (amortize ) Tj ET Q q 0 0 0 rg BT 549.78 682.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 76.53 670.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 95.83 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.36 670.10 Td (an ) Tj ET Q q 0 0 0 rg BT 120.00 670.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 167.08 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 178.05 670.10 Td (proportion ) Tj ET Q q 0 0 0 rg BT 223.46 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.44 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.85 670.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 283.05 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.57 670.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 309.99 670.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 339.84 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.48 670.10 Td (other ) Tj ET Q q 0 0 0 rg BT 381.22 670.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 396.63 670.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 431.49 670.10 Td (received ) Tj ET Q q 0 0 0 rg BT 468.55 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 489.52 670.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 538.26 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 670.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.42 658.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 149.48 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.79 658.10 Td (income ) Tj ET Q q 0 0 0 rg BT 191.76 658.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 206.52 658.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 243.58 658.10 Td (This ) Tj ET Q q 0 0 0 rg BT 263.89 658.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 302.52 658.10 Td (was ) Tj ET Q q 0 0 0 rg BT 320.61 658.10 Td (ef) Tj ET Q q 0 0 0 rg BT 328.20 658.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 357.94 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 372.13 658.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 396.33 658.10 Td (years ) Tj ET Q q 0 0 0 rg BT 419.96 658.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 462.49 658.10 Td (after ) Tj ET Q q 0 0 0 rg BT 483.34 658.10 Td (December ) Tj ET Q q 0 0 0 rg BT 526.97 658.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 542.00 658.10 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 646.10 Td (did ) Tj ET Q q 0 0 0 rg BT 82.22 646.10 Td (not ) Tj ET Q q 0 0 0 rg BT 97.50 646.10 Td (have ) Tj ET Q q 0 0 0 rg BT 118.87 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.81 646.10 Td (material ) Tj ET Q q 0 0 0 rg BT 161.07 646.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 190.78 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 203.28 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.00 646.10 Td (Company) Tj ET Q q 0 0 0 rg BT 259.66 646.10 Td (s ) Tj ET Q q 0 0 0 rg BT 266.05 646.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 319.10 646.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 356.58 646.10 Td (statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.74 622.10 Td (January ) Tj ET Q q 0 0 0 rg BT 94.25 622.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 119.16 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.79 622.10 Td (F) Tj ET Q q 0 0 0 rg BT 138.61 622.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 160.47 622.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 187.35 622.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 209.77 622.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 226.90 622.10 Td (2014-04, ) Tj ET Q q 0 0 0 rg BT 265.14 622.10 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 320.30 622.10 Td (- ) Tj ET Q q 0 0 0 rg BT 325.87 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 331.63 622.10 Td (roubled ) Tj ET Q q 0 0 0 rg BT 364.58 622.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 386.43 622.10 Td (Restructurings ) Tj ET Q q 0 0 0 rg BT 447.17 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 459.58 622.10 Td (Creditors ) Tj ET Q q 0 0 0 rg BT 499.21 622.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 507.95 622.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 527.58 622.10 Td (310-40\): ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Reclassification ) Tj ET Q q 0 0 0 rg BT 116.50 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.46 610.10 Td (Residential ) Tj ET Q q 0 0 0 rg BT 175.09 610.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 196.05 610.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 223.11 610.10 Td (Collateralized ) Tj ET Q q 0 0 0 rg BT 281.83 610.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 325.57 610.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 367.08 610.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 394.15 610.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 416.79 610.10 Td (Foreclosure, ) Tj ET Q q 0 0 0 rg BT 473.57 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.98 610.10 Td (address ) Tj ET Q q 0 0 0 rg BT 516.60 610.10 Td (diversity ) Tj ET Q q 0 0 0 rg BT 554.23 610.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 84.56 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.91 598.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 130.92 598.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 169.93 598.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 211.16 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.30 598.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 273.09 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 287.66 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 300.02 598.10 Td (in-substance ) Tj ET Q q 0 0 0 rg BT 352.92 598.10 Td (repossession ) Tj ET Q q 0 0 0 rg BT 406.39 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 417.63 598.10 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 465.53 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.77 598.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 521.34 598.10 Td (real ) Tj ET Q q 0 0 0 rg BT 539.24 598.10 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 91.87 586.10 Td (This ) Tj ET Q q 0 0 0 rg BT 111.47 586.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 133.82 586.10 Td (clarifies ) Tj ET Q q 0 0 0 rg BT 168.36 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 185.70 586.10 Td (an ) Tj ET Q q 0 0 0 rg BT 197.48 586.10 Td (in-substance ) Tj ET Q q 0 0 0 rg BT 249.80 586.10 Td (repossession ) Tj ET Q q 0 0 0 rg BT 302.70 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 313.37 586.10 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 360.69 586.10 Td (occurs ) Tj ET Q q 0 0 0 rg BT 389.13 586.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 411.47 586.10 Td (either ) Tj ET Q q 0 0 0 rg BT 436.57 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.13 586.10 Td (creditor ) Tj ET Q q 0 0 0 rg BT 484.57 586.10 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 524.68 586.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 546.46 586.10 Td (title ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.83 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.10 574.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 117.81 574.10 Td (real ) Tj ET Q q 0 0 0 rg BT 134.85 574.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 159.67 574.10 Td (property ) Tj ET Q q 0 0 0 rg BT 195.60 574.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 217.65 574.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 264.70 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.08 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.58 574.10 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 328.61 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 338.99 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.26 574.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 391.97 574.10 Td (conveying ) Tj ET Q q 0 0 0 rg BT 435.68 574.10 Td (all ) Tj ET Q q 0 0 0 rg BT 447.73 574.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 479.22 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 489.05 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.32 574.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 547.03 574.10 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.33 562.10 Td (property ) Tj ET Q q 0 0 0 rg BT 111.77 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 122.11 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.90 562.10 Td (creditor) Tj ET Q q 0 0 0 rg BT 167.44 562.10 Td (. ) Tj ET Q q 0 0 0 rg BT 171.94 562.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 221.84 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 226.90 562.10 Td (this ) Tj ET Q q 0 0 0 rg BT 243.35 562.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 265.92 562.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 300.69 562.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 343.80 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.70 562.10 Td (both ) Tj ET Q q 0 0 0 rg BT 375.04 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.82 562.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 422.38 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.28 562.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 477.49 562.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 521.70 562.10 Td (real ) Tj ET Q q 0 0 0 rg BT 539.25 562.10 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (property ) Tj ET Q q 0 0 0 rg BT 86.55 550.10 Td (held ) Tj ET Q q 0 0 0 rg BT 106.45 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 119.13 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.02 550.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 175.58 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.70 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.59 550.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 245.25 550.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 291.81 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 302.26 550.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 343.81 550.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 384.26 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 408.04 550.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 464.57 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 477.25 550.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 521.58 550.10 Td (real ) Tj ET Q q 0 0 0 rg BT 539.24 550.10 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (property ) Tj ET Q q 0 0 0 rg BT 86.76 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 104.64 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 119.74 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.40 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.50 538.10 Td (process ) Tj ET Q q 0 0 0 rg BT 178.38 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.59 538.10 Td (foreclosure. ) Tj ET Q q 0 0 0 rg BT 239.75 538.10 Td (This ) Tj ET Q q 0 0 0 rg BT 260.41 538.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 299.39 538.10 Td (was ) Tj ET Q q 0 0 0 rg BT 317.83 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 325.42 538.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 355.50 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.05 538.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 394.59 538.10 Td (years ) Tj ET Q q 0 0 0 rg BT 418.58 538.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 461.46 538.10 Td (after ) Tj ET Q q 0 0 0 rg BT 482.66 538.10 Td (December ) Tj ET Q q 0 0 0 rg BT 526.63 538.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 542.01 538.10 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 526.10 Td (did ) Tj ET Q q 0 0 0 rg BT 82.22 526.10 Td (not ) Tj ET Q q 0 0 0 rg BT 97.50 526.10 Td (have ) Tj ET Q q 0 0 0 rg BT 118.87 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.81 526.10 Td (material ) Tj ET Q q 0 0 0 rg BT 161.07 526.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 190.78 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 203.28 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.00 526.10 Td (Company) Tj ET Q q 0 0 0 rg BT 259.66 526.10 Td (s ) Tj ET Q q 0 0 0 rg BT 266.05 526.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 319.10 526.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 356.58 526.10 Td (statements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (\(2\) Recent ) Tj ET Q q 0 0 0 rg BT 95.54 502.10 Td (Accounting Pr) Tj ET Q q 0 0 0 rg BT 157.29 502.10 Td (onouncements) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Revenue Recognition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.43 454.10 Td (May ) Tj ET Q q 0 0 0 rg BT 80.86 454.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 105.46 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.78 454.10 Td (F) Tj ET Q q 0 0 0 rg BT 124.60 454.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 146.15 454.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 172.79 454.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 194.90 454.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 211.72 454.10 Td (2014-09, ) Tj ET Q q 0 0 0 rg BT 249.65 454.10 Td (which ) Tj ET Q q 0 0 0 rg BT 276.19 454.10 Td (created ) Tj ET Q q 0 0 0 rg BT 307.15 454.10 Td ("Revenue ) Tj ET Q q 0 0 0 rg BT 348.32 454.10 Td (from ) Tj ET Q q 0 0 0 rg BT 369.86 454.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 410.29 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 430.17 454.10 Td (Customers ) Tj ET Q q 0 0 0 rg BT 475.05 454.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 483.79 454.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 503.11 454.10 Td (606\), ) Tj ET Q q 0 0 0 rg BT 526.04 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.92 454.10 Td (clarify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.63 442.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 104.47 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 117.54 442.10 Td (recognizing ) Tj ET Q q 0 0 0 rg BT 166.16 442.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 199.21 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.06 442.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 248.13 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.98 442.10 Td (common ) Tj ET Q q 0 0 0 rg BT 290.39 442.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 323.44 442.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 358.73 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.80 442.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 409.87 442.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 449.77 442.10 Td (This ) Tj ET Q q 0 0 0 rg BT 468.65 442.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 490.06 442.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 525.91 442.10 Td (guidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 90.65 430.10 Td (how ) Tj ET Q q 0 0 0 rg BT 110.20 430.10 Td (an ) Tj ET Q q 0 0 0 rg BT 121.97 430.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 147.07 430.10 Td (should ) Tj ET Q q 0 0 0 rg BT 176.07 430.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 217.26 430.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 251.24 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.35 430.10 Td (depict ) Tj ET Q q 0 0 0 rg BT 288.11 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.66 430.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 335.53 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.19 430.10 Td (promised ) Tj ET Q q 0 0 0 rg BT 385.74 430.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 411.96 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 422.62 430.10 Td (services ) Tj ET Q q 0 0 0 rg BT 457.16 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 467.27 430.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 510.14 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.25 430.10 Td (an ) Tj ET Q q 0 0 0 rg BT 532.02 430.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.90 418.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 100.23 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.36 418.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 172.14 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 182.82 418.10 Td (which ) Tj ET Q q 0 0 0 rg BT 210.17 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.30 418.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 250.98 418.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 283.87 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.56 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 306.90 418.10 Td (entitled ) Tj ET Q q 0 0 0 rg BT 339.80 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 350.49 418.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 391.15 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 405.72 418.10 Td (those ) Tj ET Q q 0 0 0 rg BT 429.73 418.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 456.53 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.77 418.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 505.17 418.10 Td (The ) Tj ET Q q 0 0 0 rg BT 522.99 418.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 545.90 418.10 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (added ) Tj ET Q q 0 0 0 rg BT 76.35 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 83.26 406.10 Td (new ) Tj ET Q q 0 0 0 rg BT 102.39 406.10 Td (subtopic ) Tj ET Q q 0 0 0 rg BT 138.75 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.99 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.68 406.10 Td (codification, ) Tj ET Q q 0 0 0 rg BT 215.87 406.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 237.79 406.10 Td (340-40, ) Tj ET Q q 0 0 0 rg BT 271.09 406.10 Td ("Other ) Tj ET Q q 0 0 0 rg BT 299.87 406.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 328.45 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.36 406.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 383.36 406.10 Td (Costs: ) Tj ET Q q 0 0 0 rg BT 410.84 406.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 451.63 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 471.88 406.10 Td (Customers" ) Tj ET Q q 0 0 0 rg BT 521.21 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 531.46 406.10 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 89.10 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 102.10 394.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 125.10 394.10 Td (related ) Tj ET Q q 0 0 0 rg BT 155.31 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.09 394.10 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 206.87 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.31 394.10 Td (fulfilling ) Tj ET Q q 0 0 0 rg BT 262.86 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 270.30 394.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 309.96 394.10 Td (contract. ) Tj ET Q q 0 0 0 rg BT 347.67 394.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 403.15 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.37 394.10 Td (new ) Tj ET Q q 0 0 0 rg BT 438.04 394.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 474.92 394.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 510.13 394.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 553.68 394.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (suf) Tj ET Q q 0 0 0 rg BT 62.04 382.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 89.67 382.10 Td (information ) Tj ET Q q 0 0 0 rg BT 138.96 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.82 382.10 Td (enable ) Tj ET Q q 0 0 0 rg BT 177.00 382.10 Td (users ) Tj ET Q q 0 0 0 rg BT 199.63 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.04 382.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 247.11 382.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 291.40 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.26 382.10 Td (understand ) Tj ET Q q 0 0 0 rg BT 347.22 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.52 382.10 Td (nature, ) Tj ET Q q 0 0 0 rg BT 391.09 382.10 Td (amount, ) Tj ET Q q 0 0 0 rg BT 425.67 382.10 Td (timing, ) Tj ET Q q 0 0 0 rg BT 456.36 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.88 382.10 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 519.95 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 530.36 382.10 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.13 370.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 87.59 370.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 112.50 370.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 142.40 370.10 Td (from ) Tj ET Q q 0 0 0 rg BT 164.53 370.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 203.31 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 223.78 370.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 268.92 370.10 Td (At ) Tj ET Q q 0 0 0 rg BT 281.61 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.52 370.10 Td (time ) Tj ET Q q 0 0 0 rg BT 316.39 370.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 339.08 370.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 356.50 370.10 Td (2014-09 ) Tj ET Q q 0 0 0 rg BT 392.51 370.10 Td (was ) Tj ET Q q 0 0 0 rg BT 410.76 370.10 Td (issued, ) Tj ET Q q 0 0 0 rg BT 440.95 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.85 370.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 494.63 370.10 Td (was ) Tj ET Q q 0 0 0 rg BT 512.88 370.10 Td (ef) Tj ET Q q 0 0 0 rg BT 520.46 370.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 550.36 370.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 74.63 358.10 Td (years ) Tj ET Q q 0 0 0 rg BT 98.70 358.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 141.66 358.10 Td (after ) Tj ET Q q 0 0 0 rg BT 162.95 358.10 Td (December ) Tj ET Q q 0 0 0 rg BT 207.00 358.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 222.48 358.10 Td (2016. ) Tj ET Q q 0 0 0 rg BT 247.95 358.10 Td (In ) Tj ET Q q 0 0 0 rg BT 259.25 358.10 Td (July ) Tj ET Q q 0 0 0 rg BT 278.89 358.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 304.36 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.55 358.10 Td (F) Tj ET Q q 0 0 0 rg BT 324.37 358.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 346.79 358.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 386.97 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 394.38 358.10 Td (deferral ) Tj ET Q q 0 0 0 rg BT 428.44 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.74 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.92 358.10 Td (ef) Tj ET Q q 0 0 0 rg BT 462.51 358.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 492.69 358.10 Td (date ) Tj ET Q q 0 0 0 rg BT 512.31 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 525.28 358.10 Td (one ) Tj ET Q q 0 0 0 rg BT 542.69 358.10 Td (year) Tj ET Q q 0 0 0 rg BT 559.50 358.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.79 346.10 Td (would ) Tj ET Q q 0 0 0 rg BT 106.15 346.10 Td (result ) Tj ET Q q 0 0 0 rg BT 131.72 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 142.85 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.42 346.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 197.87 346.10 Td (becoming ) Tj ET Q q 0 0 0 rg BT 240.65 346.10 Td (ef) Tj ET Q q 0 0 0 rg BT 248.24 346.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 278.80 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 293.81 346.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 318.82 346.10 Td (years ) Tj ET Q q 0 0 0 rg BT 343.27 346.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 386.62 346.10 Td (after ) Tj ET Q q 0 0 0 rg BT 408.29 346.10 Td (December ) Tj ET Q q 0 0 0 rg BT 452.73 346.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 468.58 346.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 494.19 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 513.09 346.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 555.33 346.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 88.59 334.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 132.74 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.46 334.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 177.17 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.00 334.10 Td (adopting ) Tj ET Q q 0 0 0 rg BT 225.50 334.10 Td (this ) Tj ET Q q 0 0 0 rg BT 242.45 334.10 Td (new ) Tj ET Q q 0 0 0 rg BT 261.61 334.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 300.20 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 312.70 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.42 334.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 380.46 334.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 417.94 334.10 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Extraor) Tj ET Q q 0 0 0 rg BT 80.74 310.10 Td (dinary ) Tj ET Q q 0 0 0 rg BT 109.35 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.85 310.10 Td (Unusual ) Tj ET Q q 0 0 0 rg BT 163.24 310.10 Td (Items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.80 286.10 Td (January ) Tj ET Q q 0 0 0 rg BT 94.37 286.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 119.34 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.02 286.10 Td (F) Tj ET Q q 0 0 0 rg BT 138.84 286.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 160.77 286.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 187.69 286.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 210.17 286.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 227.36 286.10 Td (2015-01, ) Tj ET Q q 0 0 0 rg BT 265.66 286.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 302.55 286.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 345.01 286.10 Td (- ) Tj ET Q q 0 0 0 rg BT 350.81 286.10 Td (Extraordinary ) Tj ET Q q 0 0 0 rg BT 408.81 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.72 286.10 Td (Unusual ) Tj ET Q q 0 0 0 rg BT 461.52 286.10 Td (Items ) Tj ET Q q 0 0 0 rg BT 486.21 286.10 Td (\(Subtopic ) Tj ET Q q 0 0 0 rg BT 527.56 286.10 Td (225-20\): ) Tj ET Q q 0 0 0 rg BT 564.50 286.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Simplifying ) Tj ET Q q 0 0 0 rg BT 101.28 274.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 134.76 274.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 178.24 274.10 Td (Presentation ) Tj ET Q q 0 0 0 rg BT 231.17 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 244.66 274.10 Td (Eliminating ) Tj ET Q q 0 0 0 rg BT 295.37 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.08 274.10 Td (Concept ) Tj ET Q q 0 0 0 rg BT 347.90 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.72 274.10 Td (Extraordinary ) Tj ET Q q 0 0 0 rg BT 418.75 274.10 Td (Items, ) Tj ET Q q 0 0 0 rg BT 451.40 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 462.67 274.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 503.37 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.08 274.10 Td (concept ) Tj ET Q q 0 0 0 rg BT 553.67 274.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (extraordinary ) Tj ET Q q 0 0 0 rg BT 105.65 262.10 Td (items ) Tj ET Q q 0 0 0 rg BT 129.10 262.10 Td (related ) Tj ET Q q 0 0 0 rg BT 158.09 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.65 262.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 209.97 262.10 Td (classifying, ) Tj ET Q q 0 0 0 rg BT 257.58 262.10 Td (presenting ) Tj ET Q q 0 0 0 rg BT 301.02 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.25 262.10 Td (disclosing ) Tj ET Q q 0 0 0 rg BT 359.59 262.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 388.58 262.10 Td (events ) Tj ET Q q 0 0 0 rg BT 415.91 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.14 262.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 481.69 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 498.47 262.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 519.69 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.69 262.10 Td (criteria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 65.65 250.10 Td (that ) Tj ET Q q 0 0 0 rg BT 84.64 250.10 Td (concept. ) Tj ET Q q 0 0 0 rg BT 121.94 250.10 Td (This ) Tj ET Q q 0 0 0 rg BT 143.71 250.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 183.80 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 194.46 250.10 Td (ef) Tj ET Q q 0 0 0 rg BT 202.05 250.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 233.25 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 248.90 250.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 274.55 250.10 Td (years ) Tj ET Q q 0 0 0 rg BT 299.64 250.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 343.63 250.10 Td (after ) Tj ET Q q 0 0 0 rg BT 365.94 250.10 Td (December ) Tj ET Q q 0 0 0 rg BT 411.02 250.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 427.51 250.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 451.51 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.94 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 480.60 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 492.37 250.10 Td (be ) Tj ET Q q 0 0 0 rg BT 505.81 250.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 539.23 250.10 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (prospectively ) Tj ET Q q 0 0 0 rg BT 107.86 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 120.18 238.10 Td (retrospectively) Tj ET Q q 0 0 0 rg BT 178.95 238.10 Td (. ) Tj ET Q q 0 0 0 rg BT 185.15 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 204.68 238.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 247.56 238.10 Td (does ) Tj ET Q q 0 0 0 rg BT 269.88 238.10 Td (not ) Tj ET Q q 0 0 0 rg BT 286.64 238.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 316.73 238.10 Td (this ) Tj ET Q q 0 0 0 rg BT 335.16 238.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 375.24 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.01 238.10 Td (have ) Tj ET Q q 0 0 0 rg BT 409.88 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 418.30 238.10 Td (material ) Tj ET Q q 0 0 0 rg BT 455.05 238.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 486.25 238.10 Td (on ) Tj ET Q q 0 0 0 rg BT 500.24 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.44 238.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.11 238.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.04 226.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 140.52 226.10 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (Consolidation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.41 178.10 Td (February ) Tj ET Q q 0 0 0 rg BT 98.60 178.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 123.18 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.48 178.10 Td (F) Tj ET Q q 0 0 0 rg BT 142.30 178.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 163.84 178.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 190.46 178.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 212.55 178.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 229.36 178.10 Td (2015-02, ) Tj ET Q q 0 0 0 rg BT 267.27 178.10 Td (Consolidation ) Tj ET Q q 0 0 0 rg BT 329.91 178.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 338.65 178.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 357.95 178.10 Td (810\): ) Tj ET Q q 0 0 0 rg BT 381.14 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 382.76 178.10 Td (Amendments ) Tj ET Q q 0 0 0 rg BT 438.17 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.04 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.34 178.10 Td (Consolidation ) Tj ET Q q 0 0 0 rg BT 520.07 178.10 Td (Analysis, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.89 166.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 111.55 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.22 166.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 160.89 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 178.34 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.23 166.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 224.34 166.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 249.56 166.10 Td (must ) Tj ET Q q 0 0 0 rg BT 271.46 166.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 306.12 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.35 166.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 358.79 166.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 393.45 166.10 Td (it ) Tj ET Q q 0 0 0 rg BT 401.46 166.10 Td (should ) Tj ET Q q 0 0 0 rg BT 430.58 166.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 478.57 166.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 508.23 166.10 Td (types ) Tj ET Q q 0 0 0 rg BT 531.79 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 542.57 166.10 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (entities. ) Tj ET Q q 0 0 0 rg BT 84.06 154.10 Td (This ) Tj ET Q q 0 0 0 rg BT 104.72 154.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 143.70 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 153.26 154.10 Td (ef) Tj ET Q q 0 0 0 rg BT 160.85 154.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 190.93 154.10 Td (for ) Tj ET Q q 0 0 0 rg BT 205.48 154.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 230.02 154.10 Td (years ) Tj ET Q q 0 0 0 rg BT 254.01 154.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 296.89 154.10 Td (after ) Tj ET Q q 0 0 0 rg BT 318.09 154.10 Td (December ) Tj ET Q q 0 0 0 rg BT 362.06 154.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 377.44 154.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 400.33 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.65 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 427.21 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.87 154.10 Td (be ) Tj ET Q q 0 0 0 rg BT 450.20 154.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 482.52 154.10 Td (retrospectively) Tj ET Q q 0 0 0 rg BT 541.29 154.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.46 154.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 142.10 Td (does ) Tj ET Q q 0 0 0 rg BT 112.22 142.10 Td (not ) Tj ET Q q 0 0 0 rg BT 127.50 142.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 156.09 142.10 Td (this ) Tj ET Q q 0 0 0 rg BT 173.04 142.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 211.63 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.91 142.10 Td (have ) Tj ET Q q 0 0 0 rg BT 243.29 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 250.22 142.10 Td (material ) Tj ET Q q 0 0 0 rg BT 285.48 142.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 315.20 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 327.70 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.41 142.10 Td (Company) Tj ET Q q 0 0 0 rg BT 384.08 142.10 Td (s ) Tj ET Q q 0 0 0 rg BT 390.47 142.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 443.51 142.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 480.99 142.10 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 71.94 118.10 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 109.43 118.10 Td (Costs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (In ) Tj ET Q q 0 0 0 rg BT 59.41 94.10 Td (April ) Tj ET Q q 0 0 0 rg BT 81.90 94.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 105.78 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.38 94.10 Td (F) Tj ET Q q 0 0 0 rg BT 124.20 94.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 145.04 94.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 171.12 94.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 192.50 94.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 208.61 94.10 Td (2015-03, ) Tj ET Q q 0 0 0 rg BT 245.82 94.10 Td ("Interest ) Tj ET Q q 0 0 0 rg BT 281.27 94.10 Td (- ) Tj ET Q q 0 0 0 rg BT 285.99 94.10 Td (Imputation ) Tj ET Q q 0 0 0 rg BT 331.25 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.97 94.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 372.33 94.10 Td (\(Subtopic ) Tj ET Q q 0 0 0 rg BT 412.60 94.10 Td (835-30\): ) Tj ET Q q 0 0 0 rg BT 448.43 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 449.81 94.10 Td (Simplifying ) Tj ET Q q 0 0 0 rg BT 498.98 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.58 94.10 Td (Presentation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.42 82.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 83.94 82.10 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 121.46 82.10 Td (Costs," ) Tj ET Q q 0 0 0 rg BT 153.36 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.23 82.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 193.41 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.71 82.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 260.67 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.09 82.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 292.39 82.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 329.36 82.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 352.44 82.10 Td (within ) Tj ET Q q 0 0 0 rg BT 381.09 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.39 82.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 430.01 82.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 455.92 82.10 Td (This ) Tj ET Q q 0 0 0 rg BT 476.11 82.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 499.20 82.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 534.49 82.10 Td (that ) Tj ET Q q 0 0 0 rg BT 552.58 82.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 74.89 70.10 Td (present ) Tj ET Q q 0 0 0 rg BT 105.88 70.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 125.21 70.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 161.21 70.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 183.32 70.10 Td (related ) Tj ET Q q 0 0 0 rg BT 212.64 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.53 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 229.09 70.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 275.07 70.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 294.40 70.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 327.62 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 339.74 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.07 70.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 386.72 70.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 409.38 70.10 Td (as ) Tj ET Q q 0 0 0 rg BT 419.83 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.38 70.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 451.26 70.10 Td (deduction ) Tj ET Q q 0 0 0 rg BT 492.81 70.10 Td (from ) Tj ET Q q 0 0 0 rg BT 514.37 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.70 70.10 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 83.79 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 95.91 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.70 58.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 135.71 58.10 Td (liability) Tj ET Q q 0 0 0 rg BT 166.17 58.10 Td (, ) Tj ET Q q 0 0 0 rg BT 172.46 58.10 Td (not ) Tj ET Q q 0 0 0 rg BT 189.04 58.10 Td (as ) Tj ET Q q 0 0 0 rg BT 201.16 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.39 58.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 245.94 58.10 Td (asset. ) Tj ET Q q 0 0 0 rg BT 271.40 58.10 Td (The ) Tj ET Q q 0 0 0 rg BT 289.90 58.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 313.70 58.10 Td (does ) Tj ET Q q 0 0 0 rg BT 335.82 58.10 Td (not ) Tj ET Q q 0 0 0 rg BT 352.39 58.10 Td (af) Tj ET Q q 0 0 0 rg BT 359.98 58.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 378.76 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.77 58.10 Td (current ) Tj ET Q q 0 0 0 rg BT 426.88 58.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 466.77 58.10 Td (for ) Tj ET Q q 0 0 0 rg BT 482.22 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.23 58.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 547.56 58.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 104.93 46.10 Td (for ) Tj ET Q q 0 0 0 rg BT 118.20 46.10 Td (these ) Tj ET Q q 0 0 0 rg BT 140.36 46.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 159.20 46.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 194.69 46.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 218.45 46.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 268.35 46.10 Td (, ) Tj ET Q q 0 0 0 rg BT 272.46 46.10 Td (in ) Tj ET Q q 0 0 0 rg BT 281.50 46.10 Td (August ) Tj ET Q q 0 0 0 rg BT 312.01 46.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 336.12 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.96 46.10 Td (F) Tj ET Q q 0 0 0 rg BT 354.77 46.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 375.84 46.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 402.10 46.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 423.72 46.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 440.06 46.10 Td (2015-15, ) Tj ET Q q 0 0 0 rg BT 477.50 46.10 Td ("Interest ) Tj ET Q q 0 0 0 rg BT 513.19 46.10 Td (- ) Tj ET Q q 0 0 0 rg BT 518.13 46.10 Td (Imputation ) Tj ET Q endstream endobj 221 0 obj <> endobj 222 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (1) Tj ET Q q 0 0 0 rg BT 57.63 27.67 Td (10) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.47 742.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 92.59 742.10 Td (\(Subtopic ) Tj ET Q q 0 0 0 rg BT 133.61 742.10 Td (835-30\): ) Tj ET Q q 0 0 0 rg BT 170.19 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 172.32 742.10 Td (Presentation ) Tj ET Q q 0 0 0 rg BT 223.89 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.47 742.10 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 288.71 742.10 Td (Measurement ) Tj ET Q q 0 0 0 rg BT 345.27 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.74 742.10 Td (Debt ) Tj ET Q q 0 0 0 rg BT 377.31 742.10 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 413.88 742.10 Td (Costs ) Tj ET Q q 0 0 0 rg BT 437.77 742.10 Td (Associated ) Tj ET Q q 0 0 0 rg BT 483.79 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 503.70 742.10 Td (Line-of-Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Arrangements ) Tj ET Q q 0 0 0 rg BT 109.88 730.10 Td (\(Amendments ) Tj ET Q q 0 0 0 rg BT 169.76 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.77 730.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 202.34 730.10 Td (Paragraphs ) Tj ET Q q 0 0 0 rg BT 250.00 730.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 288.24 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.25 730.10 Td (Staf) Tj ET Q q 0 0 0 rg BT 315.17 730.10 Td (f ) Tj ET Q q 0 0 0 rg BT 321.02 730.10 Td (Announcement ) Tj ET Q q 0 0 0 rg BT 385.35 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 395.80 730.10 Td (June ) Tj ET Q q 0 0 0 rg BT 417.36 730.10 Td (18, ) Tj ET Q q 0 0 0 rg BT 433.09 730.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 456.32 730.10 Td (EITF ) Tj ET Q q 0 0 0 rg BT 480.66 730.10 Td (Meeting," ) Tj ET Q q 0 0 0 rg BT 523.80 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.81 730.10 Td (further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 78.48 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.08 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.69 718.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 158.95 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.66 718.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 189.27 718.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 225.53 718.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 247.92 718.10 Td (related ) Tj ET Q q 0 0 0 rg BT 277.51 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.67 718.10 Td (line-of-credit ) Tj ET Q q 0 0 0 rg BT 342.81 718.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 393.05 718.10 Td (This ) Tj ET Q q 0 0 0 rg BT 412.69 718.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 435.08 718.10 Td (states ) Tj ET Q q 0 0 0 rg BT 459.69 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.29 718.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 495.02 718.10 Td (would ) Tj ET Q q 0 0 0 rg BT 522.40 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 537.57 718.10 Td (object ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 72.21 706.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 97.49 706.10 Td (deferring ) Tj ET Q q 0 0 0 rg BT 136.63 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.57 706.10 Td (presenting ) Tj ET Q q 0 0 0 rg BT 197.72 706.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 217.44 706.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 253.82 706.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 276.31 706.10 Td (related ) Tj ET Q q 0 0 0 rg BT 306.02 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.29 706.10 Td (line-of-credit ) Tj ET Q q 0 0 0 rg BT 371.54 706.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 419.57 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 430.40 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 442.34 706.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 464.28 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 476.78 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.49 706.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 524.52 706.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 547.57 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 105.07 694.10 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 151.25 694.10 Td (these ) Tj ET Q q 0 0 0 rg BT 174.65 694.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 197.51 694.10 Td (ratably ) Tj ET Q q 0 0 0 rg BT 228.13 694.10 Td (over ) Tj ET Q q 0 0 0 rg BT 248.75 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.82 694.10 Td (term ) Tj ET Q q 0 0 0 rg BT 285.00 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.19 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.26 694.10 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 358.26 694.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 401.65 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 412.83 694.10 Td (any ) Tj ET Q q 0 0 0 rg BT 430.13 694.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 479.65 694.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 524.16 694.10 Td (under ) Tj ET Q q 0 0 0 rg BT 549.79 694.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (line-of-credit ) Tj ET Q q 0 0 0 rg BT 106.42 682.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 153.96 682.10 Td (This ) Tj ET Q q 0 0 0 rg BT 175.40 682.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 215.16 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 225.50 682.10 Td (ef) Tj ET Q q 0 0 0 rg BT 233.08 682.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 263.95 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 279.28 682.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 304.60 682.10 Td (years ) Tj ET Q q 0 0 0 rg BT 329.36 682.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 373.03 682.10 Td (after ) Tj ET Q q 0 0 0 rg BT 395.01 682.10 Td (December ) Tj ET Q q 0 0 0 rg BT 439.76 682.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 455.92 682.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 479.59 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.69 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 508.03 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.47 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 532.58 682.10 Td (applied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (retrospectively) Tj ET Q q 0 0 0 rg BT 108.77 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 113.74 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.02 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 134.04 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 175.39 670.10 Td (does ) Tj ET Q q 0 0 0 rg BT 196.18 670.10 Td (not ) Tj ET Q q 0 0 0 rg BT 211.43 670.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 239.99 670.10 Td (this ) Tj ET Q q 0 0 0 rg BT 256.90 670.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 295.46 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.71 670.10 Td (have ) Tj ET Q q 0 0 0 rg BT 327.05 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 333.95 670.10 Td (material ) Tj ET Q q 0 0 0 rg BT 369.18 670.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 398.85 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 411.32 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.00 670.10 Td (Company) Tj ET Q q 0 0 0 rg BT 467.67 670.10 Td (s ) Tj ET Q q 0 0 0 rg BT 474.03 670.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 527.03 670.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 87.50 634.10 Td (Combinations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.24 610.10 Td (September ) Tj ET Q q 0 0 0 rg BT 106.91 610.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 132.31 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.44 610.10 Td (F) Tj ET Q q 0 0 0 rg BT 152.26 610.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 174.62 610.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 201.88 610.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 224.79 610.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 242.42 610.10 Td (2015-16, ) Tj ET Q q 0 0 0 rg BT 281.16 610.10 Td ("Business ) Tj ET Q q 0 0 0 rg BT 323.71 610.10 Td (Combinations ) Tj ET Q q 0 0 0 rg BT 382.73 610.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 391.47 610.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 411.59 610.10 Td (805\): ) Tj ET Q q 0 0 0 rg BT 435.61 610.10 Td (Simplifying ) Tj ET Q q 0 0 0 rg BT 486.30 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.78 610.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 550.34 610.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Measurement-Period ) Tj ET Q q 0 0 0 rg BT 134.94 598.10 Td (Adjustments," ) Tj ET Q q 0 0 0 rg BT 193.47 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.64 598.10 Td (simplify ) Tj ET Q q 0 0 0 rg BT 237.36 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.97 598.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 296.23 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 309.28 598.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 355.11 598.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 404.27 598.10 Td (made ) Tj ET Q q 0 0 0 rg BT 427.32 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.48 598.10 Td (provisional ) Tj ET Q q 0 0 0 rg BT 482.87 598.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 518.14 598.10 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 60.99 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.97 586.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 124.62 586.10 Td (date ) Tj ET Q q 0 0 0 rg BT 145.05 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.15 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 165.35 586.10 Td (business ) Tj ET Q q 0 0 0 rg BT 203.01 586.10 Td (combination. ) Tj ET Q q 0 0 0 rg BT 259.00 586.10 Td (This ) Tj ET Q q 0 0 0 rg BT 279.72 586.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 303.49 586.10 Td (eliminates ) Tj ET Q q 0 0 0 rg BT 348.36 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.34 586.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 416.42 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.97 586.10 Td (retrospectively ) Tj ET Q q 0 0 0 rg BT 491.16 586.10 Td (account ) Tj ET Q q 0 0 0 rg BT 526.02 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 541.45 586.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 95.37 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 108.52 574.10 Td (all ) Tj ET Q q 0 0 0 rg BT 120.01 574.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 140.94 574.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 171.87 574.10 Td (impacted. ) Tj ET Q q 0 0 0 rg BT 212.40 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 229.44 574.10 Td (acquirer ) Tj ET Q q 0 0 0 rg BT 263.68 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 271.84 574.10 Td (required ) Tj ET Q q 0 0 0 rg BT 306.65 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 315.92 574.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 356.27 574.10 Td (these ) Tj ET Q q 0 0 0 rg BT 378.31 574.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 427.57 574.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 467.38 574.10 Td (during ) Tj ET Q q 0 0 0 rg BT 494.98 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.69 574.10 Td (measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (period ) Tj ET Q q 0 0 0 rg BT 78.03 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 88.29 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.00 562.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 142.13 562.10 Td (period ) Tj ET Q q 0 0 0 rg BT 170.17 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 180.43 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 207.35 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.05 562.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 268.42 562.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 300.90 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 310.05 562.10 Td (determined. ) Tj ET Q q 0 0 0 rg BT 359.47 562.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 409.37 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 414.36 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.51 562.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 451.00 562.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 485.69 562.10 Td (an ) Tj ET Q q 0 0 0 rg BT 497.61 562.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 522.87 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.13 562.10 Td (present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 92.30 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 104.08 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.06 550.10 Td (face ) Tj ET Q q 0 0 0 rg BT 136.48 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.58 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.57 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 191.78 550.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 231.87 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 241.97 550.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 275.96 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 285.51 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.50 550.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 322.38 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.36 550.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 367.02 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.12 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.11 550.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 422.88 550.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 459.63 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 469.17 550.10 Td (current-period ) Tj ET Q q 0 0 0 rg BT 528.14 550.10 Td (earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.71 538.10 Td (would ) Tj ET Q q 0 0 0 rg BT 95.42 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 117.01 538.10 Td (been ) Tj ET Q q 0 0 0 rg BT 138.60 538.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 176.29 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.78 538.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 223.93 538.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 263.30 538.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 295.45 538.10 Td (if ) Tj ET Q q 0 0 0 rg BT 304.27 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.20 538.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 365.79 538.10 Td (had ) Tj ET Q q 0 0 0 rg BT 382.94 538.10 Td (been ) Tj ET Q q 0 0 0 rg BT 404.53 538.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 451.11 538.10 Td (at ) Tj ET Q q 0 0 0 rg BT 461.04 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.96 538.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 522.56 538.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 544.23 538.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.70 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 97.97 526.10 Td (ef) Tj ET Q q 0 0 0 rg BT 105.56 526.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 135.37 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 149.63 526.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 173.89 526.10 Td (years ) Tj ET Q q 0 0 0 rg BT 197.59 526.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 240.19 526.10 Td (after ) Tj ET Q q 0 0 0 rg BT 261.11 526.10 Td (December ) Tj ET Q q 0 0 0 rg BT 304.80 526.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 319.90 526.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 342.51 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 359.55 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 368.82 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 379.21 526.10 Td (be ) Tj ET Q q 0 0 0 rg BT 391.25 526.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 423.29 526.10 Td (prospectively) Tj ET Q q 0 0 0 rg BT 476.51 526.10 Td (. ) Tj ET Q q 0 0 0 rg BT 481.61 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 484.03 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 502.18 526.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 543.67 526.10 Td (does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 514.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 93.87 514.10 Td (this ) Tj ET Q q 0 0 0 rg BT 110.82 514.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 149.41 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.69 514.10 Td (have ) Tj ET Q q 0 0 0 rg BT 181.07 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.01 514.10 Td (material ) Tj ET Q q 0 0 0 rg BT 223.27 514.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 252.98 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 265.48 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.20 514.10 Td (Company) Tj ET Q q 0 0 0 rg BT 321.86 514.10 Td (s ) Tj ET Q q 0 0 0 rg BT 328.25 514.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 381.29 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 418.77 514.10 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 91.38 490.10 Td (Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (In ) Tj ET Q q 0 0 0 rg BT 62.10 466.10 Td (January ) Tj ET Q q 0 0 0 rg BT 96.98 466.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 123.25 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.24 466.10 Td (F) Tj ET Q q 0 0 0 rg BT 144.06 466.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 167.29 466.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 195.23 466.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 219.01 466.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 237.50 466.10 Td (2016-01, ) Tj ET Q q 0 0 0 rg BT 277.11 466.10 Td ("Financial ) Tj ET Q q 0 0 0 rg BT 322.18 466.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 373.17 466.10 Td (- ) Tj ET Q q 0 0 0 rg BT 380.27 466.10 Td (Overall ) Tj ET Q q 0 0 0 rg BT 414.03 466.10 Td (\(Subtopic ) Tj ET Q q 0 0 0 rg BT 456.69 466.10 Td (825-10\): ) Tj ET Q q 0 0 0 rg BT 494.90 466.10 Td (Recognition ) Tj ET Q q 0 0 0 rg BT 547.56 466.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (Measurement ) Tj ET Q q 0 0 0 rg BT 105.98 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.87 454.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 154.30 454.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 181.98 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.97 454.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 236.75 454.10 Td (Liabilities," ) Tj ET Q q 0 0 0 rg BT 285.43 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.77 454.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 329.66 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.44 454.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 388.87 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 402.09 454.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.63 454.10 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 489.24 454.10 Td (This ) Tj ET Q q 0 0 0 rg BT 508.23 454.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 529.80 454.10 Td (requires ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 78.36 442.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 129.49 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 150.63 442.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 181.76 442.10 Td (determinable ) Tj ET Q q 0 0 0 rg BT 237.32 442.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 254.56 442.10 Td (values ) Tj ET Q q 0 0 0 rg BT 283.46 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.60 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 307.40 442.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 349.08 442.10 Td (at ) Tj ET Q q 0 0 0 rg BT 359.66 442.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 376.90 442.10 Td (value ) Tj ET Q q 0 0 0 rg BT 401.92 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 423.06 442.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 458.63 442.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 505.85 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.99 442.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.57 442.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 93.18 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.15 430.10 Td (classification. ) Tj ET Q q 0 0 0 rg BT 162.06 430.10 Td (For ) Tj ET Q q 0 0 0 rg BT 178.59 430.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 206.23 430.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 256.64 430.10 Td (without ) Tj ET Q q 0 0 0 rg BT 289.84 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 296.93 430.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 327.33 430.10 Td (determinable ) Tj ET Q q 0 0 0 rg BT 382.17 430.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 398.69 430.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 425.49 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.35 430.10 Td (value ) Tj ET Q q 0 0 0 rg BT 464.65 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.62 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.48 430.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 537.01 430.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 60.99 418.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 100.85 418.10 Td (at ) Tj ET Q q 0 0 0 rg BT 109.62 418.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 127.28 418.10 Td (minus ) Tj ET Q q 0 0 0 rg BT 153.28 418.10 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 203.43 418.10 Td (if ) Tj ET Q q 0 0 0 rg BT 211.09 418.10 Td (any) Tj ET Q q 0 0 0 rg BT 224.88 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 228.93 418.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 247.15 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 257.03 418.10 Td (minus ) Tj ET Q q 0 0 0 rg BT 283.02 418.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 316.78 418.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 353.33 418.10 Td (from ) Tj ET Q q 0 0 0 rg BT 374.32 418.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 419.18 418.10 Td (price ) Tj ET Q q 0 0 0 rg BT 440.72 418.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 474.48 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 483.80 418.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 514.23 418.10 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.16 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.87 406.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 112.80 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 122.62 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 128.56 406.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 157.83 406.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 203.21 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.03 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.75 406.10 Td (same ) Tj ET Q q 0 0 0 rg BT 248.79 406.10 Td (issuer ) Tj ET Q q 0 0 0 rg BT 273.62 406.10 Td (instead ) Tj ET Q q 0 0 0 rg BT 303.44 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.26 406.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 328.64 406.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 354.29 406.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 380.79 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.72 406.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 430.42 406.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 476.36 406.10 Td (indicates ) Tj ET Q q 0 0 0 rg BT 513.40 406.10 Td (impairment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 104.54 394.10 Td (this ) Tj ET Q q 0 0 0 rg BT 120.65 394.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 142.78 394.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 177.12 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.47 394.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 226.36 394.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 277.36 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.83 394.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 324.94 394.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 350.40 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.97 394.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 404.09 394.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 443.44 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 455.57 394.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 511.01 394.10 Td (category ) Tj ET Q q 0 0 0 rg BT 547.57 394.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (form ) Tj ET Q q 0 0 0 rg BT 71.94 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.77 382.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 120.26 382.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 142.20 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 154.70 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.42 382.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 202.45 382.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 225.50 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 236.34 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.05 382.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 311.87 382.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 335.48 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.76 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.48 382.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 397.96 382.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 445.00 382.10 Td (This ) Tj ET Q q 0 0 0 rg BT 465.28 382.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 503.87 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 513.04 382.10 Td (ef) Tj ET Q q 0 0 0 rg BT 520.63 382.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 550.34 382.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 74.95 370.10 Td (years ) Tj ET Q q 0 0 0 rg BT 99.34 370.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 142.63 370.10 Td (after ) Tj ET Q q 0 0 0 rg BT 164.24 370.10 Td (December ) Tj ET Q q 0 0 0 rg BT 208.62 370.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 224.42 370.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 247.71 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.45 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 275.41 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.48 370.10 Td (be ) Tj ET Q q 0 0 0 rg BT 299.22 370.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 331.95 370.10 Td (prospectively ) Tj ET Q q 0 0 0 rg BT 389.11 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 410.19 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 417.92 370.10 Td (cumulative-ef) Tj ET Q q 0 0 0 rg BT 473.27 370.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 491.55 370.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 538.72 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.80 370.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.85 358.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 105.71 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 116.36 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 127.00 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.54 358.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 183.85 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.49 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.03 358.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 233.00 358.10 Td (year ) Tj ET Q q 0 0 0 rg BT 252.52 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.17 358.10 Td (adoption. ) Tj ET Q q 0 0 0 rg BT 302.98 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 305.13 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 322.99 358.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 364.19 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 373.18 358.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 411.59 358.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 455.55 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.08 358.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 499.61 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.26 358.10 Td (adopting ) Tj ET Q q 0 0 0 rg BT 547.57 358.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (new ) Tj ET Q q 0 0 0 rg BT 69.16 346.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 107.75 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.25 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.97 346.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 188.01 346.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 225.49 346.10 Td (statements.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Leases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.94 298.10 Td (February ) Tj ET Q q 0 0 0 rg BT 99.64 298.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 124.74 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.57 298.10 Td (F) Tj ET Q q 0 0 0 rg BT 144.38 298.10 Td (ASB ) Tj ET Q q 0 0 0 rg BT 166.44 298.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 193.47 298.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 216.08 298.10 Td (No. ) Tj ET Q q 0 0 0 rg BT 233.41 298.10 Td (2016-02, ) Tj ET Q q 0 0 0 rg BT 271.84 298.10 Td ("Leases ) Tj ET Q q 0 0 0 rg BT 305.74 298.10 Td (\(T) Tj ET Q q 0 0 0 rg BT 314.48 298.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 334.30 298.10 Td (842\)," ) Tj ET Q q 0 0 0 rg BT 361.82 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.20 298.10 Td (improve ) Tj ET Q q 0 0 0 rg BT 408.13 298.10 Td (transparency ) Tj ET Q q 0 0 0 rg BT 461.82 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.86 298.10 Td (comparability ) Tj ET Q q 0 0 0 rg BT 537.01 298.10 Td (across ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 81.48 286.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 122.39 286.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 153.32 286.10 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 212.09 286.10 Td (This ) Tj ET Q q 0 0 0 rg BT 231.89 286.10 Td (ASU ) Tj ET Q q 0 0 0 rg BT 254.49 286.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 289.30 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.11 286.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 352.25 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.18 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 370.22 286.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 405.57 286.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 428.15 286.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 461.86 286.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 513.88 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.69 286.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 72.79 274.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 113.92 274.10 Td (over ) Tj ET Q q 0 0 0 rg BT 134.49 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.51 274.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 172.29 274.10 Td (term ) Tj ET Q q 0 0 0 rg BT 193.42 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.66 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 217.91 274.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 253.46 274.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 276.25 274.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 298.49 274.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 350.72 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.74 274.10 Td (right ) Tj ET Q q 0 0 0 rg BT 387.43 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.01 274.10 Td (use ) Tj ET Q q 0 0 0 rg BT 414.14 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.16 274.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 475.29 274.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 497.53 274.10 Td (during ) Tj ET Q q 0 0 0 rg BT 526.44 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 541.46 274.10 Td (same ) Tj ET Q BT /F1 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ET Q q 0 0 0 rg BT 259.12 709.25 Td (is ) Tj ET Q q 0 0 0 rg BT 268.29 709.25 Td (as ) Tj ET Q q 0 0 0 rg BT 279.12 709.25 Td (follows:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 698.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 647.95 126.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 647.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 647.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 647.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 647.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 647.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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323.50 535.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 535.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 535.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 535.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 535.95 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 535.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 535.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 535.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 535.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 498.95 126.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 498.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 498.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 498.95 42.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 498.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 498.95 46.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 498.95 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 498.95 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 498.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 498.95 47.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 469.95 126.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 469.95 46.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 469.95 43.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 469.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 469.95 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 469.95 46.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 469.95 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 469.95 43.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 469.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 469.95 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 439.95 126.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 180.50 439.95 46.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 226.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 439.95 43.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 439.95 42.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 439.95 47.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 439.95 46.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 439.95 40.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 464.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 439.95 43.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 439.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 515.50 439.95 47.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 687.95 m 176.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 687.95 m 180.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 687.95 m 226.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 675.95 m 226.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 687.95 m 230.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 675.95 m 230.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 687.95 m 273.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 675.95 m 273.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 687.95 m 277.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 675.95 m 277.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 687.95 m 319.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 675.95 m 319.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 687.95 m 323.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 675.95 m 323.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 687.95 m 370.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 675.95 m 370.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 687.95 m 374.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 675.95 m 374.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 687.95 m 420.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 675.95 m 420.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 687.95 m 424.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 675.95 m 424.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 687.95 m 464.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 675.95 m 464.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 687.95 m 468.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 675.95 m 468.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 687.95 m 511.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 675.95 m 511.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 687.95 m 515.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 675.95 m 515.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 687.95 m 562.5 687.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 675.95 m 562.5 675.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 647.95 m 176.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 647.95 m 180.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 647.95 m 226.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 647.95 m 230.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 647.95 m 273.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 647.95 m 277.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 647.95 m 319.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 647.95 m 323.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 647.95 m 370.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 647.95 m 374.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 647.95 m 420.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 647.95 m 424.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 647.95 m 464.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 647.95 m 468.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 647.95 m 511.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 647.95 m 515.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 647.95 m 562.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 647.95 m 420.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 647.95 m 464.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 647.95 m 511.5 647.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 484.95 m 226.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 484.95 m 230.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 484.95 m 273.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 484.95 m 277.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 484.95 m 319.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 484.95 m 323.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 484.95 m 370.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 484.95 m 374.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 484.95 m 420.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 484.95 m 424.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 484.95 m 464.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 484.95 m 468.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 484.95 m 511.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 484.95 m 515.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 484.95 m 562.5 484.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 469.95 m 226.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 469.95 m 230.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 469.95 m 273.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 469.95 m 277.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 469.95 m 319.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 469.95 m 323.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 469.95 m 370.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 469.95 m 374.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 469.95 m 420.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 469.95 m 424.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 469.95 m 464.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 469.95 m 468.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 469.95 m 511.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 469.95 m 515.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 469.95 m 562.5 469.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 409.95 m 176.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 409.95 m 180.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 424.95 m 226.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 180.5 409.95 m 226.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 424.95 m 230.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 409.95 m 230.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 424.95 m 273.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 409.95 m 273.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 424.95 m 277.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 409.95 m 277.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 424.95 m 319.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 409.95 m 319.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 424.95 m 323.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 409.95 m 323.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 424.95 m 370.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 323.5 409.95 m 370.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 424.95 m 374.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 409.95 m 374.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 424.95 m 420.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 409.95 m 420.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 424.95 m 424.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 409.95 m 424.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 424.95 m 464.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 409.95 m 464.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 424.95 m 468.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 464.5 409.95 m 468.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 424.95 m 511.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 409.95 m 511.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 424.95 m 515.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 409.95 m 515.5 409.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 424.95 m 562.5 424.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 515.5 409.95 m 562.5 409.95 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 679.90 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 242.75 680.03 Td (December 31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 436.55 679.90 Td (December 31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 652.20 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 184.75 660.18 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 195.20 652.18 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.55 668.03 Td (Gr) Tj ET Q q 0 0 0 rg BT 251.18 668.03 Td (oss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.55 660.03 Td (unr) Tj ET Q q 0 0 0 rg BT 245.85 660.03 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 242.60 652.03 Td (gains) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.05 668.03 Td (Gr) Tj ET Q q 0 0 0 rg BT 297.68 668.03 Td (oss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 280.05 660.03 Td (unr) Tj ET Q q 0 0 0 rg BT 292.35 660.03 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.40 652.03 Td (losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.65 652.18 Td (Fair Value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.85 660.20 Td (Amortized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.65 652.20 Td (Cost) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.65 667.90 Td (Gross) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 659.90 Td (unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.55 651.90 Td (gains) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.15 667.90 Td (Gross) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.80 659.90 Td (unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.90 651.90 Td (losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.00 652.20 Td (Fair Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 639.35 Td (Available-for-sale securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 625.21 Td (U.S. Treasury) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 624.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 624.40 Td (312,282) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.00 624.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 261.00 624.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 624.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.75 624.40 Td (\(5,553) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 624.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 624.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 624.40 Td (306,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 624.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 624.41 Td (388,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 624.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 624.41 Td (84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 624.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.75 624.41 Td (\(6,992) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 624.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 624.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 624.41 Td (381,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 611.21 Td (U.S. Government agencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 610.40 Td (70,313) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 610.40 Td (198) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.50 610.40 Td (\(275) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 610.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 610.40 Td (70,236) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 610.41 Td (686,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 610.41 Td (4,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 610.41 Td (\(21,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 610.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 610.41 Td (668,316) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 597.21 Td (Municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 596.40 Td (105,702) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.75 596.40 Td (3,249) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.50 596.40 Td (\(356) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 596.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 596.40 Td (108,595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 596.41 Td (234,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 596.41 Td (5,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.75 596.41 Td (\(1,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 596.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 596.41 Td (238,529) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 583.21 Td (Corporate notes:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 569.21 Td (Financial issuers) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 568.40 Td (80,014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.75 568.40 Td (1,510) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.75 568.40 Td (\(1,481) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 568.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 568.40 Td (80,043) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 568.41 Td (129,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 568.41 Td (2,006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.75 568.41 Td (\(1,557) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 568.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 568.41 Td (129,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 555.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.75 554.40 Td (1,500) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.50 554.40 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.50 554.40 Td (\(2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 554.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.75 554.40 Td (1,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.75 554.41 Td (3,766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 554.41 Td (55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 554.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 554.41 Td (3,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 540.41 Td (Mortgage-backed: ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 121.22 544.49 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 527.21 Td (Mortgage-backed securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 526.40 Td (1,069,680) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.75 526.40 Td (3,834) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.25 526.40 Td (\(21,004) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 526.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 526.40 Td (1,052,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.75 526.41 Td (271,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 526.41 Td (5,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.75 526.41 Td (\(4,928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 526.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 526.41 Td (271,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 513.21 Td (Collateralized mortgage) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 504.21 Td (obligations) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 503.40 Td (40,421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 503.40 Td (172) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.50 503.40 Td (\(506) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 503.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 503.40 Td (40,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 503.41 Td (47,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.50 503.41 Td (249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 503.41 Td (\(535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 503.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 503.41 Td (47,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 490.21 Td (Equity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.25 489.40 Td (51,380) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 249.75 489.40 Td (5,799) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.50 489.40 Td (\(493) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 489.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.25 489.40 Td (56,686) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.25 489.41 Td (46,592) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 440.75 489.41 Td (4,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.50 489.41 Td (\(325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 489.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 489.41 Td (51,139) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 476.21 Td (Total available-for-sale securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 474.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.00 474.40 Td (1,731,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.00 474.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 245.25 474.40 Td (14,766) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 474.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 288.25 474.40 Td (\(29,670) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 474.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 474.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 331.00 474.40 Td (1,716,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 474.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.00 474.41 Td (1,807,913) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 474.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.25 474.41 Td (22,145) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 474.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.25 474.41 Td (\(37,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.00 474.41 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 474.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 474.41 Td (1,792,078) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 461.35 Td (Held-to-maturity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 446.21 Td (U.S. Government agencies) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 444.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 444.40 Td (687,302) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.00 444.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 265.50 444.40 Td (4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 444.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.75 444.40 Td (\(7,144) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 444.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 444.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 444.40 Td (680,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 444.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 444.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 444.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 444.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 444.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 444.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 444.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 444.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 431.21 Td (Municipal) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 429.40 Td (197,524) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 429.40 Td (867) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.50 429.40 Td (\(442) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 429.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 429.40 Td (197,949) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 429.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 429.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 429.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 429.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 416.21 Td (Total held-to-maturity securities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 183.00 414.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 193.75 414.40 Td (884,826) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 233.00 414.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 256.50 414.40 Td (871) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 280.00 414.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.75 414.40 Td (\(7,586) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 316.00 414.40 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 326.00 414.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.75 414.40 Td (878,111) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.00 414.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.00 414.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.00 414.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 414.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.00 414.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 414.41 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.00 414.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 414.41 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 399.65 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 387.65 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 387.65 Td (Consisting ) Tj ET Q q 0 0 0 rg BT 125.74 387.65 Td (entir) Tj ET Q q 0 0 0 rg BT 144.25 387.65 Td (ely ) Tj ET Q q 0 0 0 rg BT 158.41 387.65 Td (of ) Tj ET Q q 0 0 0 rg BT 168.69 387.65 Td (r) Tj ET Q q 0 0 0 rg BT 172.21 387.65 Td (esidential ) Tj ET Q q 0 0 0 rg BT 213.59 387.65 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 286.07 387.65 Td (securities, ) Tj ET Q q 0 0 0 rg BT 329.39 387.65 Td (none ) Tj ET Q q 0 0 0 rg BT 351.33 387.65 Td (of ) Tj ET Q q 0 0 0 rg BT 361.61 387.65 Td (which ) Tj ET Q q 0 0 0 rg BT 387.99 387.65 Td (ar) Tj ET Q q 0 0 0 rg BT 396.51 387.65 Td (e ) Tj ET Q q 0 0 0 rg BT 403.45 387.65 Td (subprime.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 363.65 Td (In ) Tj ET Q q 0 0 0 rg BT 61.92 363.65 Td (2015, ) Tj ET Q q 0 0 0 rg BT 88.01 363.65 Td (the ) Tj ET Q q 0 0 0 rg BT 103.81 363.65 Td (Company ) Tj ET Q q 0 0 0 rg BT 146.29 363.65 Td (transferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.18 363.65 Td ($862.7 ) Tj ET Q q 0 0 0 rg BT 224.27 363.65 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.16 363.65 Td ( ) Tj ET Q q 0 0 0 rg BT 256.75 363.65 Td (of ) Tj ET Q q 0 0 0 rg BT 268.67 363.65 Td (investment ) Tj ET Q q 0 0 0 rg BT 316.14 363.65 Td (securities ) Tj ET Q q 0 0 0 rg BT 357.50 363.65 Td (with ) Tj ET Q q 0 0 0 rg BT 378.86 363.65 Td (an ) Tj ET Q q 0 0 0 rg BT 391.89 363.65 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 437.12 363.65 Td (loss ) Tj ET Q q 0 0 0 rg BT 456.27 363.65 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.19 363.65 Td ($14.4 ) Tj ET Q q 0 0 0 rg BT 494.28 363.65 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.17 363.65 Td ( ) Tj ET Q q 0 0 0 rg BT 526.76 363.65 Td (from ) Tj ET Q q 0 0 0 rg BT 549.79 363.65 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 351.65 Td (available-for) Tj ET Q q 0 0 0 rg BT 100.88 351.65 Td (-sale ) Tj ET Q q 0 0 0 rg BT 121.37 351.65 Td (classification ) Tj ET Q q 0 0 0 rg BT 175.75 351.65 Td (to ) Tj ET Q q 0 0 0 rg BT 185.15 351.65 Td (the ) Tj ET Q q 0 0 0 rg BT 198.98 351.65 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 266.14 351.65 Td (classification. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.01 351.65 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.23 351.65 Td ( ) Tj ET Q q 0 0 0 rg BT 336.85 351.65 Td (investment ) Tj ET Q q 0 0 0 rg BT 382.35 351.65 Td (securities ) Tj ET Q q 0 0 0 rg BT 421.73 351.65 Td (were ) Tj ET Q q 0 0 0 rg BT 442.78 351.65 Td (transferred ) Tj ET Q q 0 0 0 rg BT 487.70 351.65 Td (from ) Tj ET Q q 0 0 0 rg BT 508.76 351.65 Td (the ) Tj ET Q q 0 0 0 rg BT 522.59 351.65 Td (available-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 339.65 Td (for) Tj ET Q q 0 0 0 rg BT 61.46 339.65 Td (-sale ) Tj ET Q q 0 0 0 rg BT 82.84 339.65 Td (classification ) Tj ET Q q 0 0 0 rg BT 138.10 339.65 Td (to ) Tj ET Q q 0 0 0 rg BT 148.37 339.65 Td (the ) Tj ET Q q 0 0 0 rg BT 163.09 339.65 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 231.13 339.65 Td (classification ) Tj ET Q q 0 0 0 rg BT 286.39 339.65 Td (in ) Tj ET Q q 0 0 0 rg BT 296.67 339.65 Td (2014.) Tj ET Q endstream endobj 225 0 obj <> endobj 226 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (1) Tj ET Q q 0 0 0 rg BT 57.63 27.67 Td (12) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.81 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.97 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.67 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 165.70 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.19 742.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 211.34 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.94 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.42 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 278.09 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 284.25 742.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 335.13 742.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 356.27 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.98 742.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 440.78 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 480.81 742.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 521.96 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 548.67 742.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 73.59 730.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 117.71 730.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 146.58 730.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 187.37 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.07 730.10 Td (length ) Tj ET Q q 0 0 0 rg BT 229.54 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.35 730.10 Td (time ) Tj ET Q q 0 0 0 rg BT 260.61 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 278.08 730.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 321.11 730.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 361.36 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 382.71 730.10 Td (been ) Tj ET Q q 0 0 0 rg BT 404.07 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 414.33 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 421.25 730.10 Td (continuous ) Tj ET Q q 0 0 0 rg BT 467.61 730.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 511.73 730.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 529.77 730.10 Td (position ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.72 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 118.30 718.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.30 718.10 Td (:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 707.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 648.80 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 648.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 648.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 648.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 648.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 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re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 620.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 620.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 620.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 620.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 620.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 620.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 620.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 592.80 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 592.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 592.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 592.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 592.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 592.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 592.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 592.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 592.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 592.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 592.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 592.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 592.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 564.80 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 564.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 564.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 564.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 564.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 564.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 564.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 564.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 564.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 564.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 564.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 564.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 564.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 536.80 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 536.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 536.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 536.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 536.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 536.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 480.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 480.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 480.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 480.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 480.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 480.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 452.80 160.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 452.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 452.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 452.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 452.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.50 452.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 452.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 452.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 452.80 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 452.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 452.80 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 452.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 452.80 55.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 696.8 m 210.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 696.8 m 214.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 696.8 m 269.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 668.8 m 269.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 696.8 m 273.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 668.8 m 273.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 696.8 m 327.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 668.8 m 327.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 696.8 m 331.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 668.8 m 331.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 696.8 m 386.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 668.8 m 386.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 696.8 m 390.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 668.8 m 390.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 696.8 m 444.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 668.8 m 444.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 696.8 m 448.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 668.8 m 448.5 668.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 696.8 m 503.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 668.8 m 503.5 668.8 l s 0 0 0 RG /GS0 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 424.8 m 210.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 424.8 m 214.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 438.8 m 269.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 424.8 m 269.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 438.8 m 273.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 269.5 424.8 m 273.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 438.8 m 327.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 424.8 m 327.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 438.8 m 331.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 327.5 424.8 m 331.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 438.8 m 386.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 424.8 m 386.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 438.8 m 390.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 424.8 m 390.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 438.8 m 444.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 424.8 m 444.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 438.8 m 448.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 424.8 m 448.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 438.8 m 503.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 424.8 m 503.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 438.8 m 507.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 424.8 m 507.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 438.8 m 562.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 424.8 m 562.5 424.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 673.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.35 688.75 Td (Continuous unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.60 680.75 Td (losses existing for less) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.80 672.75 Td (than 12 months) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.35 688.75 Td (Continuous unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 358.60 680.75 Td (losses existing for) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 350.70 672.75 Td (greater than 12 months) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.80 673.05 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 653.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 225.35 653.05 Td (Fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.45 660.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.40 652.75 Td (losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.35 653.05 Td (Fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.45 660.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.40 652.75 Td (losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.35 653.05 Td (Fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 660.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 524.90 652.75 Td (losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 639.53 Td (Available-for-sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 625.37 Td (U.S. Treasury) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.15 625.37 Td (306,729) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.80 625.42 Td (\(5,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 625.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 625.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 625.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 625.37 Td (306,729) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 625.42 Td (\(5,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 625.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 611.37 Td (U.S. Government agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.15 611.37 Td (56,193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.30 611.42 Td (\(192) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 611.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 611.37 Td (8,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.30 611.42 Td (\(83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 611.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 611.37 Td (64,627) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 611.42 Td (\(275) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 611.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 597.37 Td (Municipal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.15 597.37 Td (24,673) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.30 597.42 Td (\(261) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 597.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 597.37 Td (3,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.30 597.42 Td (\(95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 597.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 597.37 Td (28,353) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 597.42 Td (\(356) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 597.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 583.37 Td (Corporate notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 569.37 Td (Financial issuers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.15 569.37 Td (16,225) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.30 569.42 Td (\(266) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 569.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.15 569.37 Td (34,744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 569.42 Td (\(1,215) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 569.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 569.37 Td (50,969) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 569.42 Td (\(1,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 569.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 555.37 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.65 555.37 Td (998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.30 555.42 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 555.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.65 555.37 Td (998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 555.42 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 555.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 541.37 Td (Mortgage-backed:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 527.37 Td (Mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.15 527.37 Td (835,086) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.80 527.42 Td (\(15,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 527.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 527.37 Td (121,249) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 527.42 Td (\(5,251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 527.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 527.37 Td (956,335) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 527.42 Td (\(21,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 527.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 513.37 Td (Collateralized mortgage obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.15 513.37 Td (12,782) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.30 513.42 Td (\(189) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 513.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 513.37 Td (9,196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 513.42 Td (\(317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 513.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 513.37 Td (21,978) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 513.42 Td (\(506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 513.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 499.37 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.15 499.37 Td (4,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.30 499.42 Td (\(77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 499.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 499.37 Td (8,485) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 499.42 Td (\(416) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 499.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 499.37 Td (13,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 499.42 Td (\(493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 499.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 485.37 Td (Total available-for-sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.60 485.37 Td (1,257,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.80 485.42 Td (\(22,293) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 485.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 485.37 Td (185,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 485.42 Td (\(7,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 485.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.60 485.37 Td (1,443,370) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 485.42 Td (\(29,670) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 485.37 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 471.53 Td (Held-to-maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 457.37 Td (U.S. Government agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.15 457.37 Td (450,800) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.80 457.42 Td (\(4,223) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 457.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.15 457.37 Td (235,518) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 457.42 Td (\(2,921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 457.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 457.37 Td (686,318) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 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3 M 502.5 648.8 m 506.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 648.8 m 561.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 494.8 m 270.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 494.8 m 274.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 494.8 m 328.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 494.8 m 332.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 494.8 m 388.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 494.8 m 392.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 494.8 m 444.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 494.8 m 448.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 494.8 m 502.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 494.8 m 506.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 494.8 m 561.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 480.8 m 270.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 480.8 m 274.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 480.8 m 328.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 480.8 m 332.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 480.8 m 388.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 480.8 m 392.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 480.8 m 444.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 480.8 m 448.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 480.8 m 502.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 480.8 m 506.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 480.8 m 561.5 480.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 424.8 m 212.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 424.8 m 216.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 438.8 m 270.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 424.8 m 270.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 438.8 m 274.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 424.8 m 274.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 438.8 m 328.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 424.8 m 328.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 438.8 m 332.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 424.8 m 332.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 438.8 m 388.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 424.8 m 388.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 438.8 m 392.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 424.8 m 392.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 438.8 m 444.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 424.8 m 444.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 438.8 m 448.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 424.8 m 448.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 438.8 m 502.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 424.8 m 502.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 438.8 m 506.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 424.8 m 506.5 424.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 438.8 m 561.5 438.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 424.8 m 561.5 424.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 673.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.85 688.75 Td (Continuous unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.10 680.75 Td (losses existing for less) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.30 672.75 Td (than 12 months) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.85 688.75 Td (Continuousunrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.10 680.75 Td (losses existing for) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.20 672.75 Td (greaterthan12months) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.30 673.05 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 653.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 226.85 653.05 Td (Fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 283.45 660.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.40 652.75 Td (losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.85 653.05 Td (Fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.45 660.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.40 652.75 Td (losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.85 653.05 Td (Fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.95 660.75 Td (Unrealized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.90 652.75 Td (losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 639.53 Td (Available-for-sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 625.37 Td (U.S. Treasury) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.15 625.37 Td (97,395) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.30 625.42 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 625.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 625.37 Td (193,187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 625.42 Td (\(6,961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 625.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 625.37 Td (290,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 625.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 625.42 Td (\(6,992) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 625.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 611.37 Td (U.S. Government agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.15 611.37 Td (13,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.30 611.42 Td (\(120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 611.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 611.37 Td (459,035) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 611.42 Td (\(21,783) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 611.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 611.37 Td (472,199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 611.42 Td (\(21,903) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 611.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 597.37 Td (Municipal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.15 597.37 Td (40,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.30 597.42 Td (\(315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 597.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 597.37 Td (45,438) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 597.42 Td (\(1,425) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 597.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 597.37 Td (86,342) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 597.42 Td (\(1,740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 597.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 583.37 Td (Corporate notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 569.37 Td (Financial issuers) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.15 569.37 Td (1,311) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.30 569.42 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 569.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 569.37 Td (57,624) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 569.42 Td (\(1,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 569.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 569.37 Td (58,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 569.42 Td (\(1,557) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 569.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 555.37 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 555.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 541.37 Td (Mortgage-backed:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 527.37 Td (Mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.15 527.37 Td (4,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.30 527.42 Td (\(60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 527.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 527.37 Td (142,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.80 527.42 Td (\(4,868) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 527.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 527.37 Td (147,176) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.80 527.42 Td (\(4,928) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 527.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 513.37 Td (Collateralized mortgage obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.15 513.37 Td (13,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.30 513.42 Td (\(13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 513.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 513.37 Td (14,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 513.42 Td (\(522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 513.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.15 513.37 Td (28,026) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 513.42 Td (\(535) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 513.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 499.37 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 499.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 499.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 499.37 Td (9,462) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.30 499.42 Td (\(325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 499.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.15 499.37 Td (9,462) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.30 499.42 Td (\(325) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 499.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 485.37 Td (Total available-for-sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.15 485.37 Td (170,847) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.30 485.42 Td (\(540) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 485.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 485.37 Td (921,875) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 485.42 Td (\(37,440) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 485.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.60 485.37 Td (1,092,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 485.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 485.42 Td (\(37,980) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 485.37 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 471.53 Td (Held-to-maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 457.37 Td (U.S. Government agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 457.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 457.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 457.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 457.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 457.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 457.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 457.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 443.37 Td (Municipal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 443.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 443.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 443.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 443.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 443.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 443.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 429.37 Td (Total held-to-maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 401.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.19 401.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.71 401.30 Td (conducts ) Tj ET Q q 0 0 0 rg BT 144.90 401.30 Td (a ) Tj ET Q q 0 0 0 rg BT 150.98 401.30 Td (regular ) Tj ET Q q 0 0 0 rg BT 180.93 401.30 Td (assessment ) Tj ET Q q 0 0 0 rg BT 227.01 401.30 Td (of ) Tj ET Q q 0 0 0 rg BT 236.98 401.30 Td (its ) Tj ET Q q 0 0 0 rg BT 248.07 401.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 293.59 401.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 332.99 401.30 Td (to ) Tj ET Q q 0 0 0 rg BT 342.41 401.30 Td (determine ) Tj ET Q q 0 0 0 rg BT 384.03 401.30 Td (whether ) Tj ET Q q 0 0 0 rg BT 417.88 401.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 457.28 401.30 Td (are ) Tj ET Q q 0 0 0 rg BT 471.13 401.30 Td (other) Tj ET Q q 0 0 0 rg BT 491.47 401.30 Td (-than-temporarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 389.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 87.55 389.30 Td (considering, ) Tj ET Q q 0 0 0 rg BT 138.71 389.30 Td (among ) Tj ET Q q 0 0 0 rg BT 167.93 389.30 Td (other ) Tj ET Q q 0 0 0 rg BT 190.49 389.30 Td (factors, ) Tj ET Q q 0 0 0 rg BT 222.20 389.30 Td (the ) Tj ET Q q 0 0 0 rg BT 236.43 389.30 Td (nature ) Tj ET Q q 0 0 0 rg BT 263.42 389.30 Td (of ) Tj ET Q q 0 0 0 rg BT 273.75 389.30 Td (the ) Tj ET Q q 0 0 0 rg BT 287.98 389.30 Td (securities, ) Tj ET Q q 0 0 0 rg BT 330.25 389.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 355.02 389.30 Td (ratings ) Tj ET Q q 0 0 0 rg BT 384.24 389.30 Td (or ) Tj ET Q q 0 0 0 rg BT 394.58 389.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 431.57 389.30 Td (condition ) Tj ET Q q 0 0 0 rg BT 471.35 389.30 Td (of ) Tj ET Q q 0 0 0 rg BT 481.68 389.30 Td (the ) Tj ET Q q 0 0 0 rg BT 495.91 389.30 Td (issuer) Tj ET Q q 0 0 0 rg BT 518.84 389.30 Td (, ) Tj ET Q q 0 0 0 rg BT 523.34 389.30 Td (the ) Tj ET Q q 0 0 0 rg BT 537.57 389.30 Td (extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 377.30 Td (and ) Tj ET Q q 0 0 0 rg BT 66.13 377.30 Td (duration ) Tj ET Q q 0 0 0 rg BT 101.15 377.30 Td (of ) Tj ET Q q 0 0 0 rg BT 111.17 377.30 Td (the ) Tj ET Q q 0 0 0 rg BT 125.07 377.30 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 168.41 377.30 Td (loss, ) Tj ET Q q 0 0 0 rg BT 188.16 377.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 225.38 377.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 244.84 377.30 Td (flows, ) Tj ET Q q 0 0 0 rg BT 271.25 377.30 Td (market ) Tj ET Q q 0 0 0 rg BT 300.71 377.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 344.06 377.30 Td (and ) Tj ET Q q 0 0 0 rg BT 360.19 377.30 Td (the ) Tj ET Q q 0 0 0 rg BT 374.10 377.30 Td (Company) Tj ET Q q 0 0 0 rg BT 415.77 377.30 Td (s ) Tj ET Q q 0 0 0 rg BT 421.35 377.30 Td (ability ) Tj ET Q q 0 0 0 rg BT 448.59 377.30 Td (to ) Tj ET Q q 0 0 0 rg BT 458.06 377.30 Td (hold ) Tj ET Q q 0 0 0 rg BT 477.53 377.30 Td (the ) Tj ET Q q 0 0 0 rg BT 491.44 377.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 530.89 377.30 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 365.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 365.30 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 111.08 365.30 Td (recovery ) Tj ET Q q 0 0 0 rg BT 148.56 365.30 Td (period. ) Tj ET Q q 0 0 0 rg BT 179.11 365.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.35 344.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.04 344.30 Td (does ) Tj ET Q q 0 0 0 rg BT 131.18 344.30 Td (not ) Tj ET Q q 0 0 0 rg BT 146.76 344.30 Td (consider ) Tj ET Q q 0 0 0 rg BT 183.44 344.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 224.01 344.30 Td (with ) Tj ET Q q 0 0 0 rg BT 244.60 344.30 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 289.04 344.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 315.74 344.30 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.76 344.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 384.65 344.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.65 344.30 Td ( ) Tj ET Q q 0 0 0 rg BT 407.46 344.30 Td (to ) Tj ET Q q 0 0 0 rg BT 418.04 344.30 Td (be ) Tj ET Q q 0 0 0 rg BT 430.28 344.30 Td (other) Tj ET Q q 0 0 0 rg BT 450.63 344.30 Td (-than-temporarily ) Tj ET Q q 0 0 0 rg BT 523.96 344.30 Td (impaired. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.74 332.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.82 332.30 Td (does ) Tj ET Q q 0 0 0 rg BT 129.35 332.30 Td (not ) Tj ET Q q 0 0 0 rg BT 144.32 332.30 Td (intend ) Tj ET Q q 0 0 0 rg BT 171.51 332.30 Td (to ) Tj ET Q q 0 0 0 rg BT 181.48 332.30 Td (sell ) Tj ET Q q 0 0 0 rg BT 197.56 332.30 Td (these ) Tj ET Q q 0 0 0 rg BT 220.30 332.30 Td (investments ) Tj ET Q q 0 0 0 rg BT 270.27 332.30 Td (and ) Tj ET Q q 0 0 0 rg BT 286.90 332.30 Td (it ) Tj ET Q q 0 0 0 rg BT 294.65 332.30 Td (is ) Tj ET Q q 0 0 0 rg BT 303.51 332.30 Td (more ) Tj ET Q q 0 0 0 rg BT 326.25 332.30 Td (likely ) Tj ET Q q 0 0 0 rg BT 351.22 332.30 Td (than ) Tj ET Q q 0 0 0 rg BT 370.63 332.30 Td (not ) Tj ET Q q 0 0 0 rg BT 385.60 332.30 Td (that ) Tj ET Q q 0 0 0 rg BT 402.79 332.30 Td (the ) Tj ET Q q 0 0 0 rg BT 417.20 332.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 458.28 332.30 Td (will ) Tj ET Q q 0 0 0 rg BT 476.04 332.30 Td (not ) Tj ET Q q 0 0 0 rg BT 491.01 332.30 Td (be ) Tj ET Q q 0 0 0 rg BT 502.64 332.30 Td (required ) Tj ET Q q 0 0 0 rg BT 538.15 332.30 Td (to ) Tj ET Q q 0 0 0 rg BT 548.12 332.30 Td (sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.30 Td (these ) Tj ET Q q 0 0 0 rg BT 73.01 320.30 Td (investments ) Tj ET Q q 0 0 0 rg BT 123.25 320.30 Td (before ) Tj ET Q q 0 0 0 rg BT 151.25 320.30 Td (recovery ) Tj ET Q q 0 0 0 rg BT 188.69 320.30 Td (of ) Tj ET Q q 0 0 0 rg BT 199.49 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 214.17 320.30 Td (amortized ) Tj ET Q q 0 0 0 rg BT 256.61 320.30 Td (cost ) Tj ET Q q 0 0 0 rg BT 275.19 320.30 Td (bases, ) Tj ET Q q 0 0 0 rg BT 301.81 320.30 Td (which ) Tj ET Q q 0 0 0 rg BT 328.72 320.30 Td (may ) Tj ET Q q 0 0 0 rg BT 348.40 320.30 Td (be ) Tj ET Q q 0 0 0 rg BT 360.30 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 374.98 320.30 Td (maturity ) Tj ET Q q 0 0 0 rg BT 411.33 320.30 Td (dates ) Tj ET Q q 0 0 0 rg BT 434.34 320.30 Td (of ) Tj ET Q q 0 0 0 rg BT 445.14 320.30 Td (the ) Tj ET Q q 0 0 0 rg BT 459.82 320.30 Td (securities. ) Tj ET Q q 0 0 0 rg BT 502.37 320.30 Td (The ) Tj ET Q q 0 0 0 rg BT 520.38 320.30 Td (unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 75.78 308.30 Td (within ) Tj ET Q q 0 0 0 rg BT 103.22 308.30 Td (each ) Tj ET Q q 0 0 0 rg BT 123.42 308.30 Td (category ) Tj ET Q q 0 0 0 rg BT 159.72 308.30 Td (have ) Tj ET Q q 0 0 0 rg BT 180.48 308.30 Td (occurred ) Tj ET Q q 0 0 0 rg BT 217.34 308.30 Td (as ) Tj ET Q q 0 0 0 rg BT 227.56 308.30 Td (a ) Tj ET Q q 0 0 0 rg BT 233.88 308.30 Td (result ) Tj ET Q q 0 0 0 rg BT 257.98 308.30 Td (of ) Tj ET Q q 0 0 0 rg BT 268.19 308.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 302.28 308.30 Td (in ) Tj ET Q q 0 0 0 rg BT 311.95 308.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 343.26 308.30 Td (rates, ) Tj ET Q q 0 0 0 rg BT 366.52 308.30 Td (market ) Tj ET Q q 0 0 0 rg BT 396.17 308.30 Td (spreads ) Tj ET Q q 0 0 0 rg BT 428.05 308.30 Td (and ) Tj ET Q q 0 0 0 rg BT 444.37 308.30 Td (market ) Tj ET Q q 0 0 0 rg BT 474.02 308.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 517.56 308.30 Td (subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.30 Td (to ) Tj ET Q q 0 0 0 rg BT 60.29 296.30 Td (purchase. ) Tj ET Q q 0 0 0 rg BT 100.84 296.30 Td (Securities ) Tj ET Q q 0 0 0 rg BT 142.78 296.30 Td (with ) Tj ET Q q 0 0 0 rg BT 163.07 296.30 Td (continuous ) Tj ET Q q 0 0 0 rg BT 209.47 296.30 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 253.62 296.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 280.02 296.30 Td (existing ) Tj ET Q q 0 0 0 rg BT 314.20 296.30 Td (for ) Tj ET Q q 0 0 0 rg BT 328.37 296.30 Td (more ) Tj ET Q q 0 0 0 rg BT 351.43 296.30 Td (than ) Tj ET Q q 0 0 0 rg BT 371.16 296.30 Td (twelve ) Tj ET Q q 0 0 0 rg BT 400.33 296.30 Td (months ) Tj ET Q q 0 0 0 rg BT 432.28 296.30 Td (were ) Tj ET Q q 0 0 0 rg BT 454.22 296.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 493.95 296.30 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 514.24 296.30 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.30 Td (agencies ) Tj ET Q q 0 0 0 rg BT 87.22 284.30 Td (and ) Tj ET Q q 0 0 0 rg BT 104.46 284.30 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 176.67 284.30 Td (securities. ) Tj ET Q q 0 0 0 rg BT 219.73 284.30 Td (Unrealized ) Tj ET Q q 0 0 0 rg BT 266.39 284.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 293.08 284.30 Td (recognized ) Tj ET Q q 0 0 0 rg BT 339.74 284.30 Td (on ) Tj ET Q q 0 0 0 rg BT 352.53 284.30 Td (corporate ) Tj ET Q q 0 0 0 rg BT 393.09 284.30 Td (notes ) Tj ET Q q 0 0 0 rg BT 416.99 284.30 Td (and ) Tj ET Q q 0 0 0 rg BT 434.23 284.30 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 506.44 284.30 Td ( ) Tj ET Q q 0 0 0 rg BT 509.23 284.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 549.79 284.30 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 272.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 272.30 Td (result ) Tj ET Q q 0 0 0 rg BT 89.43 272.30 Td (of ) Tj ET Q q 0 0 0 rg BT 100.26 272.30 Td (increases ) Tj ET Q q 0 0 0 rg BT 139.41 272.30 Td (in ) Tj ET Q q 0 0 0 rg BT 149.69 272.30 Td (yields ) Tj ET Q q 0 0 0 rg BT 176.07 272.30 Td (for ) Tj ET Q q 0 0 0 rg BT 190.23 272.30 Td (similar ) Tj ET Q q 0 0 0 rg BT 220.51 272.30 Td (types ) Tj ET Q q 0 0 0 rg BT 244.12 272.30 Td (of ) Tj ET Q q 0 0 0 rg BT 254.95 272.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 295.21 272.30 Td (which ) Tj ET Q q 0 0 0 rg BT 322.15 272.30 Td (have ) Tj ET Q q 0 0 0 rg BT 343.53 272.30 Td (a ) Tj ET Q q 0 0 0 rg BT 350.46 272.30 Td (longer ) Tj ET Q q 0 0 0 rg BT 378.51 272.30 Td (duration ) Tj ET Q q 0 0 0 rg BT 414.34 272.30 Td (and ) Tj ET Q q 0 0 0 rg BT 431.27 272.30 Td (maturity) Tj ET Q q 0 0 0 rg BT 464.51 272.30 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.30 Td (In ) Tj ET Q q 0 0 0 rg BT 61.15 251.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 86.46 251.30 Td (the ) Tj ET Q q 0 0 0 rg BT 101.50 251.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 143.20 251.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 181.00 251.30 Td (an ) Tj ET Q q 0 0 0 rg BT 193.25 251.30 Td (other) Tj ET Q q 0 0 0 rg BT 213.60 251.30 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 281.39 251.30 Td (impairment ) Tj ET Q q 0 0 0 rg BT 330.30 251.30 Td (char) Tj ET Q q 0 0 0 rg BT 347.33 251.30 Td (ge ) Tj ET Q q 0 0 0 rg BT 359.58 251.30 Td (related ) Tj ET Q q 0 0 0 rg BT 389.60 251.30 Td (to ) Tj ET Q q 0 0 0 rg BT 400.20 251.30 Td (a ) Tj ET Q q 0 0 0 rg BT 407.46 251.30 Td (money ) Tj ET Q q 0 0 0 rg BT 437.49 251.30 Td (market ) Tj ET Q q 0 0 0 rg BT 468.07 251.30 Td (preferred ) Tj ET Q q 0 0 0 rg BT 507.52 251.30 Td (security) Tj ET Q q 0 0 0 rg BT 538.53 251.30 Td (. ) Tj ET Q q 0 0 0 rg BT 543.85 251.30 Td ( ) Tj ET Q q 0 0 0 rg BT 546.46 251.30 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.82 239.30 Td (recognized ) Tj ET Q q 0 0 0 rg BT 136.62 239.30 Td (this ) Tj ET Q q 0 0 0 rg BT 153.01 239.30 Td (char) Tj ET Q q 0 0 0 rg BT 170.04 239.30 Td (ge ) Tj ET Q q 0 0 0 rg BT 181.41 239.30 Td (because ) Tj ET Q q 0 0 0 rg BT 215.00 239.30 Td (it ) Tj ET Q q 0 0 0 rg BT 222.49 239.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 262.75 239.30 Td (that ) Tj ET Q q 0 0 0 rg BT 279.68 239.30 Td (it ) Tj ET Q q 0 0 0 rg BT 287.17 239.30 Td (would ) Tj ET Q q 0 0 0 rg BT 314.11 239.30 Td (not ) Tj ET Q q 0 0 0 rg BT 328.83 239.30 Td (be ) Tj ET Q q 0 0 0 rg BT 340.20 239.30 Td (able ) Tj ET Q q 0 0 0 rg BT 358.80 239.30 Td (to ) Tj ET Q q 0 0 0 rg BT 368.51 239.30 Td (recover ) Tj ET Q q 0 0 0 rg BT 400.42 239.30 Td (its ) Tj ET Q q 0 0 0 rg BT 411.81 239.30 Td (amortized ) Tj ET Q q 0 0 0 rg BT 453.73 239.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 475.67 239.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 497.04 239.30 Td (to ) Tj ET Q q 0 0 0 rg BT 506.76 239.30 Td (its ) Tj ET Q q 0 0 0 rg BT 518.14 239.30 Td (anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 227.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 68.05 227.30 Td (of ) Tj ET Q q 0 0 0 rg BT 78.88 227.30 Td (the ) Tj ET Q q 0 0 0 rg BT 93.59 227.30 Td (security ) Tj ET Q q 0 0 0 rg BT 127.75 227.30 Td (as ) Tj ET Q q 0 0 0 rg BT 138.58 227.30 Td (a ) Tj ET Q q 0 0 0 rg BT 145.52 227.30 Td (result ) Tj ET Q q 0 0 0 rg BT 170.23 227.30 Td (of ) Tj ET Q q 0 0 0 rg BT 181.06 227.30 Td (the ) Tj ET Q q 0 0 0 rg BT 195.60 227.30 Td (V) Tj ET Q q 0 0 0 rg BT 201.53 227.30 Td (olcker ) Tj ET Q q 0 0 0 rg BT 229.02 227.30 Td (Rule.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.74 206.30 Td (following ) Tj ET Q q 0 0 0 rg BT 108.81 206.30 Td (table ) Tj ET Q q 0 0 0 rg BT 130.43 206.30 Td (provides ) Tj ET Q q 0 0 0 rg BT 167.06 206.30 Td (information ) Tj ET Q q 0 0 0 rg BT 216.46 206.30 Td (as ) Tj ET Q q 0 0 0 rg BT 226.98 206.30 Td (to ) Tj ET Q q 0 0 0 rg BT 236.95 206.30 Td (the ) Tj ET Q q 0 0 0 rg BT 251.35 206.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 283.54 206.30 Td (of ) Tj ET Q q 0 0 0 rg BT 294.06 206.30 Td (gross ) Tj ET Q q 0 0 0 rg BT 317.36 206.30 Td (gains ) Tj ET Q q 0 0 0 rg BT 340.66 206.30 Td (and ) Tj ET Q q 0 0 0 rg BT 357.28 206.30 Td (gross ) Tj ET Q q 0 0 0 rg BT 380.59 206.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 406.67 206.30 Td (realized ) Tj ET Q q 0 0 0 rg BT 440.50 206.30 Td (and ) Tj ET Q q 0 0 0 rg BT 457.12 206.30 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 494.85 206.30 Td (received ) Tj ET Q q 0 0 0 rg BT 530.90 206.30 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 194.30 Td (sales ) Tj ET Q q 0 0 0 rg BT 86.66 194.30 Td (of ) Tj ET Q q 0 0 0 rg BT 97.49 194.30 Td (available-for) Tj ET Q q 0 0 0 rg BT 148.36 194.30 Td (-sale ) Tj ET Q q 0 0 0 rg BT 169.74 194.30 Td (investment ) Tj ET Q q 0 0 0 rg BT 216.12 194.30 Td (securities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 183.50 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 149.00 280.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 149.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 149.00 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 149.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 149.00 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 149.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 149.00 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 121.00 280.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 121.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 121.00 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 121.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 121.00 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 121.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 121.00 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 93.00 280.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 93.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 93.00 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 93.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 93.00 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 93.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 93.00 74.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 173 m 330.5 173 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 173 m 334.5 173 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 173 m 407.5 173 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 161 m 407.5 161 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 173 m 411.5 173 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 161 m 411.5 161 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 173 m 484.5 173 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 161 m 484.5 161 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 173 m 488.5 173 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 161 m 488.5 161 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 173 m 562.5 173 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 161 m 562.5 161 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 149 m 330.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 149 m 334.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 149 m 407.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 149 m 411.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 149 m 484.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 149 m 488.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 149 m 562.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 149 m 484.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 149 m 488.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 149 m 562.5 149 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 121 m 407.5 121 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 121 m 411.5 121 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 121 m 484.5 121 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 121 m 562.5 121 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 93 m 407.5 93 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 93 m 411.5 93 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 93 m 484.5 93 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 93 m 562.5 93 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 79 m 407.5 79 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 79 m 411.5 79 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 79 m 484.5 79 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 79 m 562.5 79 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 65 m 330.5 65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 65 m 334.5 65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 79 m 407.5 79 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 65 m 407.5 65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 65 m 411.5 65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 79 m 484.5 79 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 65 m 484.5 65 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 79 m 562.5 79 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 65 m 562.5 65 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 164.95 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.05 165.08 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 152.95 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 152.40 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.50 152.26 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 152.26 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 139.57 Td (Realized gains) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 139.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.65 139.68 Td (658) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 139.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 139.57 Td (405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 139.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 139.57 Td (434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 125.57 Td (Realized losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.30 125.73 Td (\(335) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.65 125.68 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 125.62 Td (\(909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 125.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 125.62 Td (\(106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 125.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 111.57 Td (Net realized gains) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 111.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.65 111.68 Td (323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 111.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 111.62 Td (\(504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 111.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 111.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 111.57 Td (328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 97.57 Td (Other than temporary impairment charges) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.65 97.68 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.65 97.57 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 97.62 Td (\(3,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 97.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 83.57 Td (Gains \(losses\) on available-for-sale securities, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 83.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.65 83.68 Td (323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 83.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 83.62 Td (\(504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 83.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 83.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 83.62 Td (\(3,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 83.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 69.57 Td (Proceeds from sales of available-for-sale securities, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 337.00 69.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 363.65 69.68 Td (1,515,559) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 69.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.15 69.57 Td (852,330) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 69.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 69.57 Td (138,274) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 229 0 obj <> endobj 230 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (1) Tj ET Q q 0 0 0 rg BT 57.63 27.67 Td (14) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 67.46 742.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 91.60 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 104.63 742.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 155.50 742.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 177.41 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 218.20 742.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 252.88 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.68 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 296.14 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 311.39 742.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 346.62 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.98 742.10 Td ($122,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.48 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.50 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.31 742.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 434.83 742.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 452.30 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 479.22 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 492.24 742.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 543.12 742.10 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 91.19 730.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 126.27 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 137.47 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 150.34 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 183.20 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 198.84 730.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 230.03 730.10 Td (included ) Tj ET Q q 0 0 0 rg BT 267.89 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 279.09 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 311.95 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 327.59 730.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 363.22 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.98 730.10 Td ($194,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.48 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 415.90 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.77 730.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 454.69 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.58 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.01 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 498.21 730.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 521.64 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 539.50 730.10 Td (2013, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 718.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.67 697.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 111.77 697.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 131.00 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.56 697.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 165.56 697.10 Td (value ) Tj ET Q q 0 0 0 rg BT 190.34 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.79 697.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 242.67 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 254.12 697.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.58 697.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 324.78 697.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.78 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.90 697.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.46 697.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 424.67 697.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.67 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 450.29 697.10 Td (by ) Tj ET Q q 0 0 0 rg BT 463.41 697.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 510.95 697.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 544.19 697.10 Td (, ) Tj ET Q q 0 0 0 rg BT 549.81 697.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 78.58 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 88.82 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.50 685.10 Td (following ) Tj ET Q q 0 0 0 rg BT 144.85 685.10 Td (table. ) Tj ET Q q 0 0 0 rg BT 169.25 685.10 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 218.37 685.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 260.82 685.10 Td (may ) Tj ET Q q 0 0 0 rg BT 280.50 685.10 Td (dif) Tj ET Q q 0 0 0 rg BT 291.43 685.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 305.00 685.10 Td (from ) Tj ET Q q 0 0 0 rg BT 326.90 685.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 353.24 685.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 395.69 685.10 Td (as ) Tj ET Q q 0 0 0 rg BT 406.49 685.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 449.49 685.10 Td (may ) Tj ET Q q 0 0 0 rg BT 469.17 685.10 Td (have ) Tj ET Q q 0 0 0 rg BT 490.52 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.20 685.10 Td (right ) Tj ET Q q 0 0 0 rg BT 526.55 685.10 Td (to ) Tj ET Q q 0 0 0 rg BT 536.79 685.10 Td (call ) Tj ET Q q 0 0 0 rg BT 553.69 685.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 75.90 673.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 124.04 673.10 Td (with ) Tj ET Q q 0 0 0 rg BT 145.51 673.10 Td (or ) Tj ET Q q 0 0 0 rg BT 157.53 673.10 Td (without ) Tj ET Q q 0 0 0 rg BT 191.78 673.10 Td (call ) Tj ET Q q 0 0 0 rg BT 209.91 673.10 Td (or ) Tj ET Q q 0 0 0 rg BT 221.94 673.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 272.83 673.10 Td (penalties. ) Tj ET Q q 0 0 0 rg BT 314.57 673.10 Td (Mortgage-backed ) Tj ET Q q 0 0 0 rg BT 388.78 673.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 430.24 673.10 Td (are ) Tj ET Q q 0 0 0 rg BT 446.14 673.10 Td (not ) Tj ET Q q 0 0 0 rg BT 462.61 673.10 Td (included ) Tj ET Q q 0 0 0 rg BT 500.74 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 512.21 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.13 673.10 Td (maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 92.97 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 103.19 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.84 661.10 Td (following ) Tj ET Q q 0 0 0 rg BT 159.17 661.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 195.49 661.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 235.15 661.10 Td (as ) Tj ET Q q 0 0 0 rg BT 245.92 661.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 272.23 661.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 314.66 661.10 Td (may ) Tj ET Q q 0 0 0 rg BT 334.31 661.10 Td (dif) Tj ET Q q 0 0 0 rg BT 345.24 661.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 358.78 661.10 Td (from ) Tj ET Q q 0 0 0 rg BT 380.65 661.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 427.51 661.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 469.94 661.10 Td (because ) Tj ET Q q 0 0 0 rg BT 504.03 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.68 661.10 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 94.16 649.10 Td (may ) Tj ET Q q 0 0 0 rg BT 113.87 649.10 Td (be ) Tj ET Q q 0 0 0 rg BT 125.81 649.10 Td (called ) Tj ET Q q 0 0 0 rg BT 152.18 649.10 Td (or ) Tj ET Q q 0 0 0 rg BT 163.01 649.10 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 195.50 649.10 Td (without ) Tj ET Q q 0 0 0 rg BT 228.55 649.10 Td (penalties:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 638.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 595.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 595.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 595.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 595.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 595.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 595.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 595.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 595.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 595.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 567.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 567.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 567.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 567.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 567.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 567.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 567.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 567.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 567.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 539.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 539.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 539.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 539.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 539.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 539.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 539.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 539.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 539.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 511.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 511.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 511.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 511.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 511.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 511.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 511.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 511.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 511.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 483.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 483.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 483.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 483.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 483.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 483.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 483.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 483.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 483.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 455.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 455.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 455.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 455.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 455.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 455.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 455.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 455.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 455.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 427.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 427.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 427.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 427.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 427.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 427.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 427.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 427.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 427.80 66.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 627.8 m 282.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 627.8 m 286.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 627.8 m 352.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 615.8 m 352.5 615.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 627.8 m 356.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 615.8 m 356.5 615.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 627.8 m 422.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 615.8 m 422.5 615.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 627.8 m 426.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 615.8 m 426.5 615.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 627.8 m 492.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 615.8 m 492.5 615.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 627.8 m 496.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 615.8 m 496.5 615.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 627.8 m 562.5 627.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 615.8 m 562.5 615.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 595.8 m 282.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 595.8 m 286.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 595.8 m 352.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 595.8 m 356.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 595.8 m 422.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 595.8 m 426.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 595.8 m 492.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 595.8 m 496.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 595.8 m 562.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 595.8 m 492.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 595.8 m 496.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 595.8 m 562.5 595.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 497.8 m 352.5 497.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 497.8 m 356.5 497.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 497.8 m 422.5 497.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 497.8 m 426.5 497.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 497.8 m 492.5 497.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 497.8 m 496.5 497.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 497.8 m 562.5 497.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 483.8 m 352.5 483.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 483.8 m 356.5 483.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 483.8 m 422.5 483.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 483.8 m 426.5 483.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 483.8 m 492.5 483.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 483.8 m 496.5 483.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 483.8 m 562.5 483.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 399.8 m 282.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 399.8 m 286.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 413.8 m 352.5 413.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 399.8 m 352.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 413.8 m 356.5 413.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 399.8 m 356.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 413.8 m 422.5 413.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 399.8 m 422.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 413.8 m 426.5 413.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 399.8 m 426.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 413.8 m 492.5 413.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 399.8 m 492.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 413.8 m 496.5 413.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 399.8 m 496.5 399.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 413.8 m 562.5 413.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 399.8 m 562.5 399.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 619.75 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.70 619.20 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 458.60 619.06 Td (December 31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 600.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.75 607.88 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.20 599.88 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 371.15 600.03 Td (Fair Value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.85 607.75 Td (Amortized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.65 599.75 Td (Cost) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 600.05 Td (Fair Value) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 586.53 Td (Available-for-sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 572.37 Td (Due in one year or less) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.00 572.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.15 572.48 Td (160,856) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.00 572.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 572.48 Td (160,756) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 572.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 572.37 Td (285,596) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 572.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 572.37 Td (285,889) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 558.37 Td (Due in one to five years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.15 558.48 Td (166,550) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 558.48 Td (166,468) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 558.37 Td (172,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 558.37 Td (172,885) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 544.37 Td (Due in five to ten years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.15 544.48 Td (228,652) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 544.48 Td (225,699) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 544.37 Td (331,389) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 544.37 Td (325,644) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 530.37 Td (Due after ten years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 530.48 Td (13,753) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 530.48 Td (14,182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 530.37 Td (653,213) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 530.37 Td (637,811) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 516.37 Td (Mortgage-backed) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.65 516.48 Td (1,110,101) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.65 516.48 Td (1,092,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 516.37 Td (318,476) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 516.37 Td (318,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 502.37 Td (Equity securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 502.48 Td (51,380) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 502.48 Td (56,686) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 502.37 Td (46,592) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 502.37 Td (51,139) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 488.37 Td (Total available-for-sale securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.00 488.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.65 488.48 Td (1,731,292) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.00 488.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 378.65 488.48 Td (1,716,388) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 488.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 488.37 Td (1,807,913) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 488.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 488.37 Td (1,792,078) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 474.53 Td (Held-to-maturity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.37 Td (Due in one year or less) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.00 460.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.65 460.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.00 460.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 460.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 460.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 460.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 460.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 460.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 446.37 Td (Due in one to five years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 446.48 Td (19,208) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 446.48 Td (19,156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 446.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 446.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 432.37 Td (Due in five to ten years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 432.48 Td (96,454) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 391.15 432.48 Td (96,091) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 432.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 432.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 418.37 Td (Due after ten years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.15 418.48 Td (769,164) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 418.48 Td 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686.00 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 412.25 693.83 Td (December) Tj ET Q q 0 0 0 rg BT 446.75 693.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.50 685.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.55 693.70 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 685.70 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 672.48 Td (Balance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 659.37 Td (Commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.00 659.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 659.48 Td (4,713,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 659.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 659.37 Td (3,924,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 647.37 Td (Commercial real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 647.48 Td (5,529,289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 647.37 Td (4,505,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 635.32 Td (Home equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.50 635.48 Td (784,675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.15 635.32 Td (716,293) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 622.37 Td (Residential real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.50 622.48 Td (607,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.15 622.37 Td (483,542) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 610.32 Td (Premium finance receivablescommercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 610.48 Td (2,374,921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 610.32 Td (2,350,833) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 597.32 Td (Premium finance receivableslife insurance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 597.48 Td (2,961,496) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 597.32 Td (2,277,571) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 584.32 Td (Consumer and other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.50 584.48 Td (146,376) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.15 584.32 Td (151,012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 571.37 Td (Total loans, net of unearned income, excluding covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.00 571.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.00 571.48 Td (17,118,117) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 571.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.65 571.37 Td (14,409,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 559.37 Td (Covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.50 559.48 Td (148,673) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.15 559.37 Td (226,709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 547.32 Td (Total loans, net of unearned income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.00 547.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.00 547.48 Td (17,266,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 547.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.65 547.32 Td (14,636,107) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 534.48 Td (Mix:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 522.37 Td (Commercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 522.48 Td (27) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 522.48 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 522.37 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 522.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 510.37 Td (Commercial real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 510.48 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 510.37 Td (31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 498.32 Td (Home equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 498.48 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 498.32 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 485.37 Td (Residential real estate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 485.48 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 485.37 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 473.37 Td (Premium finance receivablescommercial) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 473.48 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 473.37 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 461.32 Td (Premium finance receivableslife insurance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 461.43 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 461.32 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 447.37 Td (Consumer and other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 447.53 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 447.37 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 436.37 Td (Total loans, net of unearned income, excluding covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 436.48 Td (99) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 436.48 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 436.37 Td (98) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 436.37 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 424.32 Td (Covered loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 424.48 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 424.32 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 411.32 Td (Total loans, net of unearned income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 411.43 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 411.43 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 411.32 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 411.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 386.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.33 386.25 Td (s ) Tj ET Q q 0 0 0 rg BT 115.34 386.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 134.67 386.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 171.79 386.25 Td (is ) Tj ET Q q 0 0 0 rg BT 180.58 386.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 219.90 386.25 Td (comprised ) Tj ET Q q 0 0 0 rg BT 263.67 386.25 Td (of ) Tj ET Q q 0 0 0 rg BT 274.12 386.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 297.34 386.25 Td (to ) Tj ET Q q 0 0 0 rg BT 307.24 386.25 Td (consumers ) Tj ET Q q 0 0 0 rg BT 352.13 386.25 Td (and ) Tj ET Q q 0 0 0 rg BT 368.68 386.25 Td (small ) Tj ET Q q 0 0 0 rg BT 392.47 386.25 Td (to ) Tj ET Q q 0 0 0 rg BT 402.36 386.25 Td (medium-sized ) Tj ET Q q 0 0 0 rg BT 461.13 386.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 505.47 386.25 Td (located ) Tj ET Q q 0 0 0 rg BT 536.46 386.25 Td (within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.69 374.25 Td (geographic ) Tj ET Q q 0 0 0 rg BT 111.59 374.25 Td (market ) Tj ET Q q 0 0 0 rg BT 141.84 374.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 164.85 374.25 Td (that ) Tj ET Q q 0 0 0 rg BT 182.32 374.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.02 374.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 222.82 374.25 Td (serve. ) Tj ET Q q 0 0 0 rg BT 248.72 374.25 Td (The ) Tj ET Q q 0 0 0 rg BT 266.74 374.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 305.32 374.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 337.22 374.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 384.67 374.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 426.04 374.25 Td (are ) Tj ET Q q 0 0 0 rg BT 440.72 374.25 Td (made ) Tj ET Q q 0 0 0 rg BT 464.85 374.25 Td (to ) Tj ET Q q 0 0 0 rg BT 475.11 374.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 518.13 374.25 Td (throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.15 362.25 Td (United ) Tj ET Q q 0 0 0 rg BT 95.30 362.25 Td (States ) Tj ET Q q 0 0 0 rg BT 122.12 362.25 Td (and ) Tj ET Q q 0 0 0 rg BT 139.49 362.25 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 174.69 362.25 Td (The ) Tj ET Q q 0 0 0 rg BT 193.17 362.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 234.99 362.25 Td (strives ) Tj ET Q q 0 0 0 rg BT 264.03 362.25 Td (to ) Tj ET Q q 0 0 0 rg BT 274.74 362.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 312.66 362.25 Td (a ) Tj ET Q q 0 0 0 rg BT 320.03 362.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 340.18 362.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 378.11 362.25 Td (that ) Tj ET Q q 0 0 0 rg BT 396.04 362.25 Td (is ) Tj ET Q q 0 0 0 rg BT 405.64 362.25 Td (diverse ) Tj ET Q q 0 0 0 rg BT 437.45 362.25 Td (in ) Tj ET Q q 0 0 0 rg BT 448.16 362.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 473.31 362.25 Td (of ) Tj ET Q q 0 0 0 rg BT 484.57 362.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 504.72 362.25 Td (type, ) Tj ET Q q 0 0 0 rg BT 527.37 362.25 Td (industry) Tj ET Q q 0 0 0 rg BT 559.50 362.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.25 Td (borrower ) Tj ET Q q 0 0 0 rg BT 89.85 350.25 Td (and ) Tj ET Q q 0 0 0 rg BT 107.49 350.25 Td (geographic ) Tj ET Q q 0 0 0 rg BT 155.11 350.25 Td (concentrations. ) Tj ET Q q 0 0 0 rg BT 219.12 350.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 242.32 350.25 Td (diversification ) Tj ET Q q 0 0 0 rg BT 303.28 350.25 Td (reduces ) Tj ET Q q 0 0 0 rg BT 337.02 350.25 Td (the ) Tj ET Q q 0 0 0 rg BT 352.43 350.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 391.73 350.25 Td (to ) Tj ET Q q 0 0 0 rg BT 402.71 350.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 444.78 350.25 Td (downturns ) Tj ET Q q 0 0 0 rg BT 490.20 350.25 Td (that ) Tj ET Q q 0 0 0 rg BT 508.40 350.25 Td (may ) Tj ET Q q 0 0 0 rg BT 528.81 350.25 Td (occur ) Tj ET Q q 0 0 0 rg BT 554.22 350.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 338.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 338.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 86.74 338.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 126.46 338.25 Td (of ) Tj ET Q q 0 0 0 rg BT 137.29 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 152.01 338.25 Td (economy ) Tj ET Q q 0 0 0 rg BT 191.16 338.25 Td (or ) Tj ET Q q 0 0 0 rg BT 201.99 338.25 Td (in ) Tj ET Q q 0 0 0 rg BT 212.27 338.25 Td (dif) Tj ET Q q 0 0 0 rg BT 223.20 338.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 249.01 338.25 Td (industries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.25 Td (Certain ) Tj ET Q q 0 0 0 rg BT 81.16 317.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 118.98 317.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 150.13 317.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 196.83 317.25 Td (are ) Tj ET Q q 0 0 0 rg BT 210.76 317.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 247.46 317.25 Td (net ) Tj ET Q q 0 0 0 rg BT 261.40 317.25 Td (of ) Tj ET Q q 0 0 0 rg BT 271.45 317.25 Td (unearned ) Tj ET Q q 0 0 0 rg BT 309.82 317.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 343.35 317.25 Td (The ) Tj ET Q q 0 0 0 rg BT 360.62 317.25 Td (unearned ) Tj ET Q q 0 0 0 rg BT 398.99 317.25 Td (income ) Tj ET Q q 0 0 0 rg BT 430.15 317.25 Td (portions ) Tj ET Q q 0 0 0 rg BT 464.65 317.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.70 317.25 Td (such ) Tj ET Q q 0 0 0 rg BT 494.76 317.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 532.59 317.25 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 97.65 305.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.75 305.25 Td ($56.7 ) Tj ET Q q 0 0 0 rg BT 144.93 305.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.82 305.25 Td ( ) Tj ET Q q 0 0 0 rg BT 176.49 305.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.61 305.25 Td ($46.9 ) Tj ET Q q 0 0 0 rg BT 218.78 305.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.68 305.25 Td ( ) Tj ET Q q 0 0 0 rg BT 250.35 305.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.24 305.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 319.00 305.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.00 305.25 Td ( ) Tj ET Q q 0 0 0 rg BT 341.68 305.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.79 305.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.79 305.25 Td (, ) Tj ET Q q 0 0 0 rg BT 383.97 305.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 431.63 305.25 Td (. ) Tj ET Q q 0 0 0 rg BT 436.81 305.25 Td (Certain ) Tj ET Q q 0 0 0 rg BT 468.92 305.25 Td (life ) Tj ET Q q 0 0 0 rg BT 484.92 305.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 525.91 305.25 Td (premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 81.97 293.25 Td (receivables ) Tj ET Q q 0 0 0 rg BT 129.48 293.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 177.56 293.25 Td (to ) Tj ET Q q 0 0 0 rg BT 187.88 293.25 Td (the ) Tj ET Q q 0 0 0 rg BT 202.64 293.25 Td (life ) Tj ET Q q 0 0 0 rg BT 218.51 293.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 259.37 293.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 298.01 293.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 329.98 293.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 349.74 293.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 396.17 293.25 Td (in ) Tj ET Q q 0 0 0 rg BT 406.49 293.25 Td (2009 ) Tj ET Q q 0 0 0 rg BT 429.03 293.25 Td (as ) Tj ET Q q 0 0 0 rg BT 439.90 293.25 Td (well ) Tj ET Q q 0 0 0 rg BT 459.66 293.25 Td (as ) Tj ET Q q 0 0 0 rg BT 470.54 293.25 Td (PCI ) Tj ET Q q 0 0 0 rg BT 488.64 293.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 512.29 293.25 Td (are ) Tj ET Q q 0 0 0 rg BT 527.04 293.25 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 281.25 Td (net ) Tj ET Q q 0 0 0 rg BT 64.72 281.25 Td (of ) Tj ET Q q 0 0 0 rg BT 75.55 281.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 100.81 281.25 Td (discounts. ) Tj ET Q q 0 0 0 rg BT 143.59 281.25 Td (See ) Tj ET Q q 0 0 0 rg BT 160.53 281.25 Td (Acquired ) Tj ET Q q 0 0 0 rg BT 204.67 281.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 227.72 281.25 Td (Information ) Tj ET Q q 0 0 0 rg BT 277.98 281.25 Td (at ) Tj ET Q q 0 0 0 rg BT 287.15 281.25 Td (Acquisition, ) Tj ET Q q 0 0 0 rg BT 343.25 281.25 Td (below) Tj ET Q q 0 0 0 rg BT 367.04 281.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 260.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 72.57 260.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 98.34 260.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 139.94 260.25 Td (PCI ) Tj ET Q q 0 0 0 rg BT 157.67 260.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 183.44 260.25 Td (include ) Tj ET Q q 0 0 0 rg BT 215.04 260.25 Td (net ) Tj ET Q q 0 0 0 rg BT 229.43 260.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 264.90 260.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 284.28 260.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 302.54 260.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.15 260.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 341.31 260.25 Td (and ) Tj ET Q q 0 0 0 rg BT 357.92 260.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 373.96 260.25 Td (value ) Tj ET Q q 0 0 0 rg BT 397.78 260.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 435.48 260.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 481.52 260.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 531.46 260.25 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.25 Td ($\(9.2\) ) Tj ET Q q 0 0 0 rg BT 75.74 248.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.63 248.25 Td ( ) Tj ET Q q 0 0 0 rg BT 106.22 248.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.24 248.25 Td ($330,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.74 248.25 Td ( ) Tj ET Q q 0 0 0 rg BT 161.32 248.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.12 248.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 227.78 248.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.78 248.25 Td ( ) Tj ET Q q 0 0 0 rg BT 249.37 248.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.39 248.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.39 248.25 Td (, ) Tj ET Q q 0 0 0 rg BT 289.47 248.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 337.13 248.25 Td (. ) Tj ET Q q 0 0 0 rg BT 341.10 248.25 Td (The ) Tj ET Q q 0 0 0 rg BT 358.23 248.25 Td (net ) Tj ET Q q 0 0 0 rg BT 372.02 248.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 396.37 248.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 428.48 248.25 Td (at ) Tj ET Q q 0 0 0 rg BT 437.28 248.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 494.95 248.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 516.53 248.25 Td (is ) Tj ET Q q 0 0 0 rg BT 524.78 248.25 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 236.25 Td (result ) Tj ET Q q 0 0 0 rg BT 89.43 236.25 Td (of ) Tj ET Q q 0 0 0 rg BT 100.26 236.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 138.30 236.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 184.67 236.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 234.95 236.25 Td (related ) Tj ET Q q 0 0 0 rg BT 264.65 236.25 Td (to ) Tj ET Q q 0 0 0 rg BT 274.93 236.25 Td (the ) Tj ET Q q 0 0 0 rg BT 289.64 236.25 Td (various ) Tj ET Q q 0 0 0 rg BT 321.58 236.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 371.86 236.25 Td (during ) Tj ET Q q 0 0 0 rg BT 400.46 236.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.25 Td (Certain ) Tj ET Q q 0 0 0 rg BT 81.33 215.25 Td (real ) Tj ET Q q 0 0 0 rg BT 98.22 215.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 122.89 215.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 148.39 215.25 Td (including ) Tj ET Q q 0 0 0 rg BT 188.07 215.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 227.73 215.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 250.74 215.25 Td (held-for) Tj ET Q q 0 0 0 rg BT 282.75 215.25 Td (-sale, ) Tj ET Q q 0 0 0 rg BT 306.03 215.25 Td (and ) Tj ET Q q 0 0 0 rg BT 322.37 215.25 Td (home ) Tj ET Q q 0 0 0 rg BT 346.48 215.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 373.38 215.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 396.39 215.25 Td (with ) Tj ET Q q 0 0 0 rg BT 416.07 215.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 452.39 215.25 Td (totaling ) Tj ET Q q 0 0 0 rg BT 484.85 215.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.51 215.25 Td ($3.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.11 203.25 Td ( ) Tj ET Q q 0 0 0 rg BT 79.56 203.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.44 203.25 Td ($3.6 ) Tj ET Q q 0 0 0 rg BT 118.38 203.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.50 203.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.94 203.25 Td (at ) Tj ET Q q 0 0 0 rg BT 158.60 203.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 218.13 203.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 241.57 203.25 Td (and ) Tj ET Q q 0 0 0 rg BT 259.46 203.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 285.40 203.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 333.06 203.25 Td (, ) Tj ET Q q 0 0 0 rg BT 339.00 203.25 Td (were ) Tj ET Q q 0 0 0 rg BT 361.88 203.25 Td (pledged ) Tj ET Q q 0 0 0 rg BT 396.98 203.25 Td (as ) Tj ET Q q 0 0 0 rg BT 408.75 203.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 449.39 203.25 Td (to ) Tj ET Q q 0 0 0 rg BT 460.61 203.25 Td (secure ) Tj ET Q q 0 0 0 rg BT 489.59 203.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.25 203.25 Td (availability ) Tj ET Q q 0 0 0 rg BT 553.68 203.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 98.98 191.25 Td (from ) Tj ET Q q 0 0 0 rg BT 121.85 191.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 152.48 191.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 183.66 191.25 Td (agency ) Tj ET Q q 0 0 0 rg BT 215.41 191.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 243.91 191.25 Td (At ) Tj ET Q q 0 0 0 rg BT 257.34 191.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 316.85 191.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 342.78 191.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.97 191.25 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 424.90 191.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.01 191.25 Td ( ) Tj ET Q q 0 0 0 rg BT 454.44 191.25 Td (of ) Tj ET Q q 0 0 0 rg BT 466.20 191.25 Td (these ) Tj ET Q q 0 0 0 rg BT 490.18 191.25 Td (pledged ) Tj ET Q q 0 0 0 rg BT 525.26 191.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 549.80 191.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.25 Td (included ) Tj ET Q q 0 0 0 rg BT 86.82 179.25 Td (in ) Tj ET Q q 0 0 0 rg BT 96.98 179.25 Td (a ) Tj ET Q q 0 0 0 rg BT 103.80 179.25 Td (blanket ) Tj ET Q q 0 0 0 rg BT 135.62 179.25 Td (pledge ) Tj ET Q q 0 0 0 rg BT 164.66 179.25 Td (of ) Tj ET Q q 0 0 0 rg BT 175.38 179.25 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 218.86 179.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 242.36 179.25 Td (to ) Tj ET Q q 0 0 0 rg BT 252.52 179.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.12 179.25 Td (FHLB. ) Tj ET Q q 0 0 0 rg BT 297.39 179.25 Td (The ) Tj ET Q q 0 0 0 rg BT 315.32 179.25 Td (remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.25 179.25 Td ($579.2 ) Tj ET Q q 0 0 0 rg BT 388.13 179.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.03 179.25 Td ( ) Tj ET Q q 0 0 0 rg BT 419.41 179.25 Td (of ) Tj ET Q q 0 0 0 rg BT 430.12 179.25 Td (pledged ) Tj ET Q q 0 0 0 rg BT 464.16 179.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 487.66 179.25 Td (was ) Tj ET Q q 0 0 0 rg BT 505.59 179.25 Td (used ) Tj ET Q q 0 0 0 rg BT 526.31 179.25 Td (to ) Tj ET Q q 0 0 0 rg BT 536.47 179.25 Td (secure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 87.16 167.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 134.88 167.25 Td (at ) Tj ET Q q 0 0 0 rg BT 144.26 167.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.65 167.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 190.80 167.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 225.18 167.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 248.45 167.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 284.51 167.25 Td (window) Tj ET Q q 0 0 0 rg BT 316.08 167.25 Td (. ) Tj ET Q q 0 0 0 rg BT 320.27 167.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.44 167.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 390.69 167.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.69 167.25 Td ( ) Tj ET Q q 0 0 0 rg BT 412.86 167.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.46 167.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.46 167.25 Td (, ) Tj ET Q q 0 0 0 rg BT 454.13 167.25 Td (the ) Tj ET Q q 0 0 0 rg BT 468.52 167.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 494.01 167.25 Td (borrowed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.50 167.25 Td ($859.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 155.25 Td ( ) Tj ET Q q 0 0 0 rg BT 81.14 155.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.82 155.25 Td ($733.1 ) Tj ET Q q 0 0 0 rg BT 127.56 155.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.45 155.25 Td (, ) Tj ET Q q 0 0 0 rg BT 161.20 155.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 208.86 155.25 Td (, ) Tj ET Q q 0 0 0 rg BT 213.60 155.25 Td (from ) Tj ET Q q 0 0 0 rg BT 235.28 155.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.74 155.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 277.55 155.25 Td (in ) Tj ET Q q 0 0 0 rg BT 287.57 155.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 333.69 155.25 Td (with ) Tj ET Q q 0 0 0 rg BT 353.71 155.25 Td (these ) Tj ET Q q 0 0 0 rg BT 376.50 155.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 415.94 155.25 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 474.55 155.25 Td (See ) Tj ET Q q 0 0 0 rg BT 491.23 155.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 512.91 155.25 Td (1) Tj ET Q q 0 0 0 rg BT 517.54 155.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 524.78 155.25 Td ( ) Tj ET Q q 0 0 0 rg BT 532.03 155.25 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 143.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 76.94 143.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 99.99 143.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 123.04 143.25 Td (Advances ) Tj ET Q q 0 0 0 rg BT 164.97 143.25 Td (for ) Tj ET Q q 0 0 0 rg BT 179.13 143.25 Td (a ) Tj ET Q q 0 0 0 rg BT 186.07 143.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 225.79 143.25 Td (of ) Tj ET Q q 0 0 0 rg BT 236.62 143.25 Td (these ) Tj ET Q q 0 0 0 rg BT 259.66 143.25 Td (borrowings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.25 Td (It ) Tj ET Q q 0 0 0 rg BT 58.83 122.25 Td (is ) Tj ET Q q 0 0 0 rg BT 68.22 122.25 Td (the ) Tj ET Q q 0 0 0 rg BT 83.15 122.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 110.87 122.25 Td (of ) Tj ET Q q 0 0 0 rg BT 121.92 122.25 Td (the ) Tj ET Q q 0 0 0 rg BT 136.86 122.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 178.46 122.25 Td (to ) Tj ET Q q 0 0 0 rg BT 188.96 122.25 Td (review ) Tj ET Q q 0 0 0 rg BT 218.89 122.25 Td (each ) Tj ET Q q 0 0 0 rg BT 239.92 122.25 Td (prospective ) Tj ET Q q 0 0 0 rg BT 288.74 122.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 314.22 122.25 Td (in ) Tj ET Q q 0 0 0 rg BT 324.72 122.25 Td (order ) Tj ET Q q 0 0 0 rg BT 348.54 122.25 Td (to ) Tj ET Q q 0 0 0 rg BT 359.03 122.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 401.73 122.25 Td (the ) Tj ET Q q 0 0 0 rg BT 416.67 122.25 Td (appropriateness ) Tj ET Q q 0 0 0 rg BT 482.14 122.25 Td (and, ) Tj ET Q q 0 0 0 rg BT 501.80 122.25 Td (when ) Tj ET Q q 0 0 0 rg BT 526.18 122.25 Td (required, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.10 110.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 105.74 110.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.96 110.25 Td (security ) Tj ET Q q 0 0 0 rg BT 151.50 110.25 Td (or ) Tj ET Q q 0 0 0 rg BT 162.71 110.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 202.79 110.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 244.54 110.25 Td (to ) Tj ET Q q 0 0 0 rg BT 255.21 110.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 283.09 110.25 Td (when ) Tj ET Q q 0 0 0 rg BT 307.63 110.25 Td (making ) Tj ET Q q 0 0 0 rg BT 340.51 110.25 Td (a ) Tj ET Q q 0 0 0 rg BT 347.83 110.25 Td (loan. ) Tj ET Q q 0 0 0 rg BT 370.23 110.25 Td (The ) Tj ET Q q 0 0 0 rg BT 388.66 110.25 Td (type ) Tj ET Q q 0 0 0 rg BT 408.76 110.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.98 110.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 462.56 110.25 Td (when ) Tj ET Q q 0 0 0 rg BT 487.10 110.25 Td (required, ) Tj ET Q q 0 0 0 rg BT 525.80 110.25 Td (will ) Tj ET Q q 0 0 0 rg BT 544.24 110.25 Td (vary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.25 Td (from ) Tj ET Q q 0 0 0 rg BT 72.13 98.25 Td (liquid ) Tj ET Q q 0 0 0 rg BT 98.16 98.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 124.18 98.25 Td (to ) Tj ET Q q 0 0 0 rg BT 134.65 98.25 Td (real ) Tj ET Q q 0 0 0 rg BT 152.33 98.25 Td (estate. ) Tj ET Q q 0 0 0 rg BT 180.09 98.25 Td (The ) Tj ET Q q 0 0 0 rg BT 198.33 98.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 239.91 98.25 Td (seeks ) Tj ET Q q 0 0 0 rg BT 264.27 98.25 Td (to ) Tj ET Q q 0 0 0 rg BT 274.74 98.25 Td (assure ) Tj ET Q q 0 0 0 rg BT 302.42 98.25 Td (access ) Tj ET Q q 0 0 0 rg BT 330.65 98.25 Td (to ) Tj ET Q q 0 0 0 rg BT 341.12 98.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 383.51 98.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.98 98.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.89 98.25 Td (event ) Tj ET Q q 0 0 0 rg BT 433.24 98.25 Td (of ) Tj ET Q q 0 0 0 rg BT 444.26 98.25 Td (default, ) Tj ET Q q 0 0 0 rg BT 477.22 98.25 Td (through ) Tj ET Q q 0 0 0 rg BT 511.02 98.25 Td (adherence ) Tj ET Q q 0 0 0 rg BT 554.24 98.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.25 Td (state ) Tj ET Q q 0 0 0 rg BT 70.83 86.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 103.32 86.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 124.15 86.25 Td (and ) Tj ET Q q 0 0 0 rg BT 141.09 86.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.81 86.25 Td (Company) Tj ET Q q 0 0 0 rg BT 197.47 86.25 Td (s ) Tj ET Q q 0 0 0 rg BT 203.86 86.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 229.13 86.25 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 276.07 86.25 Td (procedures.) Tj ET Q endstream endobj 233 0 obj <> endobj 234 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (1) Tj ET Q q 0 0 0 rg BT 57.63 27.67 Td (16) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Acquir) Tj ET Q q 0 0 0 rg BT 76.85 742.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 88.78 742.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 111.85 742.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 162.12 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 172.22 742.10 Td (Acquisition ) Tj ET Q q 0 0 0 rg BT 220.27 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.67 742.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 250.27 742.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.70 721.10 Td (part ) Tj ET Q q 0 0 0 rg BT 79.84 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.76 721.10 Td (our ) Tj ET Q q 0 0 0 rg BT 104.68 721.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 140.71 721.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 192.58 721.10 Td (we ) Tj ET Q q 0 0 0 rg BT 205.83 721.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 241.84 721.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 264.54 721.10 Td (for ) Tj ET Q q 0 0 0 rg BT 277.79 721.10 Td (which ) Tj ET Q q 0 0 0 rg BT 303.82 721.10 Td (there ) Tj ET Q q 0 0 0 rg BT 325.40 721.10 Td (was ) Tj ET Q q 0 0 0 rg BT 342.54 721.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 379.66 721.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.58 721.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 413.94 721.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 443.30 721.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 495.98 721.10 Td (since ) Tj ET Q q 0 0 0 rg BT 518.12 721.10 Td (origination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (\(PCI ) Tj ET Q q 0 0 0 rg BT 70.58 709.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 96.71 709.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.84 709.10 Td (we ) Tj ET Q q 0 0 0 rg BT 126.20 709.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 172.87 709.10 Td (that ) Tj ET Q q 0 0 0 rg BT 189.56 709.10 Td (it ) Tj ET Q q 0 0 0 rg BT 196.80 709.10 Td (was ) Tj ET Q q 0 0 0 rg BT 214.05 709.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 250.73 709.10 Td (that ) Tj ET Q q 0 0 0 rg BT 267.41 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.32 709.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 321.90 709.10 Td (would ) Tj ET Q q 0 0 0 rg BT 348.59 709.10 Td (be ) Tj ET Q q 0 0 0 rg BT 359.72 709.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 388.07 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.54 709.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 425.88 709.10 Td (all ) Tj ET Q q 0 0 0 rg BT 437.57 709.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 491.46 709.10 Td (required ) Tj ET Q q 0 0 0 rg BT 526.46 709.10 Td (principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 697.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 98.87 697.10 Td (payments. ) Tj ET Q q 0 0 0 rg BT 142.20 697.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.52 697.10 Td (The ) Tj ET Q q 0 0 0 rg BT 162.56 697.10 Td (following ) Tj ET Q q 0 0 0 rg BT 203.95 697.10 Td (table ) Tj ET Q q 0 0 0 rg BT 225.88 697.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 261.15 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.87 697.10 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 305.59 697.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 343.63 697.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 376.66 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.60 697.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 429.41 697.10 Td (value ) Tj ET Q q 0 0 0 rg BT 453.57 697.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.73 697.10 Td (these ) Tj ET Q q 0 0 0 rg BT 490.78 697.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 527.70 697.10 Td (loans:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 648.60 238.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.50 648.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 648.60 65.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 648.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 361.50 648.60 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 648.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 648.60 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 648.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 648.60 65.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 686.6 m 288.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 686.6 m 292.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 686.6 m 357.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 674.6 m 357.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 686.6 m 361.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 674.6 m 361.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 686.6 m 425.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 674.6 m 425.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 686.6 m 429.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 686.6 m 493.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 674.6 m 493.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 686.6 m 497.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 674.6 m 497.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 686.6 m 562.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 674.6 m 562.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 648.6 m 288.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 648.6 m 292.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 648.6 m 357.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 648.6 m 361.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 648.6 m 425.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 648.6 m 429.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 648.6 m 493.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 648.6 m 497.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 648.6 m 562.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 648.6 m 493.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 648.6 m 497.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 648.6 m 562.5 648.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 624.6 m 288.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288.5 624.6 m 292.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 292.5 624.6 m 357.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 624.6 m 361.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 361.5 624.6 m 425.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 624.6 m 429.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 624.6 m 493.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 624.6 m 497.5 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 624.6 m 562.5 624.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 678.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 326.25 678.68 Td (December 31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.05 678.55 Td (December 31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 652.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.80 666.68 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 308.70 658.68 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.90 650.73 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.20 660.83 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.35 652.83 Td (V) Tj ET Q q 0 0 0 rg BT 388.39 652.83 Td (alue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.20 666.55 Td (Unpaid) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 446.55 658.55 Td (Principal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.10 650.60 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.25 660.85 Td (Carrying) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.35 652.85 Td (V) Tj ET Q q 0 0 0 rg BT 525.24 652.85 Td (alue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 639.86 Td (Bank acquisitions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 295.00 640.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 640.00 Td (326,470) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 364.00 640.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 640.00 Td (271,260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 639.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.75 639.86 Td (285,809) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 639.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 639.86 Td (227,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 627.86 Td (Life insurance premium finance loans acquisition) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.75 628.00 Td (372,738) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 392.75 628.00 Td (368,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.75 627.86 Td (399,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 627.86 Td (393,479) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.74 604.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.82 604.10 Td (table ) Tj ET Q q 0 0 0 rg BT 133.44 604.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 171.07 604.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 212.58 604.10 Td (details ) Tj ET Q q 0 0 0 rg BT 241.88 604.10 Td (as ) Tj ET Q q 0 0 0 rg BT 253.40 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.92 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.32 604.10 Td (date ) Tj ET Q q 0 0 0 rg BT 300.17 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.69 604.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 358.76 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 371.96 604.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 396.25 604.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 433.87 604.10 Td (in ) Tj ET Q q 0 0 0 rg BT 444.84 604.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 468.03 604.10 Td (with ) Tj ET Q q 0 0 0 rg BT 489.00 604.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 527.72 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.24 604.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 80.27 592.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 133.86 592.10 Td (since ) Tj ET Q q 0 0 0 rg BT 156.91 592.10 Td (origination:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 559.60 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 559.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 559.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 559.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 559.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 559.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 559.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 559.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 529.60 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 529.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 529.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 529.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 529.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 529.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 529.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 529.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 499.60 300.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 499.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 499.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 499.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 499.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 499.60 50.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 499.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 499.60 50.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 559.6 m 399.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 559.6 m 453.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 559.6 m 507.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 559.6 m 561.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 559.6 m 399.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 559.6 m 453.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 559.6 m 507.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 559.6 m 561.5 559.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 529.6 m 399.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 529.6 m 453.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 529.6 m 507.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 529.6 m 561.5 529.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 499.6 m 399.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 484.6 m 399.5 484.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 499.6 m 453.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 484.6 m 453.5 484.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 499.6 m 507.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 484.6 m 507.5 484.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 499.6 m 561.5 499.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 484.6 m 561.5 484.6 l s BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.39 w 0 i [] 0 d 1 J 1 j 3 M 52 562.7867187500001 m 123.1015625 562.7867187500001 l s q 0 0 0 rg BT 52.00 563.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.65 563.83 Td (North Bank) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 412.65 563.83 Td (CBWGE) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.85 563.83 Td (Suburban) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.00 563.83 Td (Delavan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 550.17 Td (Contractually required payments including interest) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.00 549.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.15 549.28 Td (8,563) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.00 549.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.15 549.28 Td (38,656) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.00 549.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.15 549.28 Td (95,804) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.00 549.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.15 549.28 Td (15,791) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 535.17 Td (Less: Nonaccretable difference) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.15 534.28 Td (1,027) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.15 534.28 Td (4,437) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.15 534.28 Td (13,888) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 534.28 Td (1,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 520.17 Td ( Cash flows expected to be collected ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 205.56 524.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.14 520.17 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.00 519.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.15 519.28 Td (7,536) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.00 519.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.15 519.28 Td (34,219) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.00 519.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.15 519.28 Td (81,916) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.00 519.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.15 519.28 Td (14,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 505.17 Td (Less: Accretable yield) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.65 504.28 Td (866) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.15 504.28 Td (2,895) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 481.15 504.28 Td (5,334) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 542.65 504.28 Td (898) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 490.17 Td ( Fair value of PCI loans acquired) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.00 489.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 373.15 489.28 Td (6,670) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.00 489.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.15 489.28 Td (31,324) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.00 489.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.15 489.28 Td (76,582) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 514.00 489.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 530.15 489.28 Td (13,451) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 473.10 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 86.00 473.10 Td (Repr) Tj ET Q q 0 0 0 rg BT 105.07 473.10 Td (esents ) Tj ET Q q 0 0 0 rg BT 132.01 473.10 Td (undiscounted ) Tj ET Q q 0 0 0 rg BT 187.83 473.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 225.30 473.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 264.47 473.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.97 473.10 Td (inter) Tj ET Q q 0 0 0 rg BT 300.48 473.10 Td (est ) Tj ET Q q 0 0 0 rg BT 314.09 473.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 334.92 473.10 Td (at ) Tj ET Q q 0 0 0 rg BT 345.20 473.10 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.10 Td (See ) Tj ET Q q 0 0 0 rg BT 66.41 452.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 87.83 452.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 94.80 452.10 Td (- ) Tj ET Q q 0 0 0 rg BT 99.67 452.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 144.96 452.10 Td (for ) Tj ET Q q 0 0 0 rg BT 158.59 452.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 181.11 452.10 Td (Losses, ) Tj ET Q q 0 0 0 rg BT 212.37 452.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 257.66 452.10 Td (for ) Tj ET Q q 0 0 0 rg BT 271.30 452.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 300.49 452.10 Td (on ) Tj ET Q q 0 0 0 rg BT 312.47 452.10 Td (Lending-Related ) Tj ET Q q 0 0 0 rg BT 381.64 452.10 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 440.28 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.69 452.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 494.76 452.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 521.17 452.10 Td (for ) Tj ET Q q 0 0 0 rg BT 534.81 452.10 Td (further ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 94.17 440.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 134.99 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.70 440.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 192.73 440.10 Td (for ) Tj ET Q q 0 0 0 rg BT 206.89 440.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 226.61 440.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 253.00 440.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 296.60 440.10 Td (with ) Tj ET Q q 0 0 0 rg BT 316.88 440.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 334.94 440.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 358.54 440.10 Td (at ) Tj ET Q q 0 0 0 rg BT 368.26 440.10 Td (December ) Tj ET Q q 0 0 0 rg BT 411.85 440.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 426.85 440.10 Td (2015.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 419.10 Td (Accr) Tj ET Q q 0 0 0 rg BT 68.51 419.10 Td (etable ) Tj ET Q q 0 0 0 rg BT 95.44 419.10 Td (Y) Tj ET Q q 0 0 0 rg BT 100.26 419.10 Td (ield ) Tj ET Q q 0 0 0 rg BT 117.57 419.10 Td (Activity ) Tj ET Q q 0 0 0 rg BT 150.61 419.10 Td ( ) Tj ET Q q 0 0 0 rg BT 162.00 419.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 180.61 419.10 Td (Loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 398.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 88.26 398.10 Td (in ) Tj ET Q q 0 0 0 rg BT 99.87 398.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 139.23 398.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 160.82 398.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 186.87 398.10 Td (may ) Tj ET Q q 0 0 0 rg BT 207.91 398.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 229.50 398.10 Td (from ) Tj ET Q q 0 0 0 rg BT 252.77 398.10 Td (period ) Tj ET Q q 0 0 0 rg BT 282.14 398.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.75 398.10 Td (period ) Tj ET Q q 0 0 0 rg BT 323.12 398.10 Td (as ) Tj ET Q q 0 0 0 rg BT 335.27 398.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.32 398.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 394.03 398.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 445.61 398.10 Td (updates ) Tj ET Q q 0 0 0 rg BT 479.99 398.10 Td (its ) Tj ET Q q 0 0 0 rg BT 493.26 398.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 514.85 398.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 537.01 398.10 Td (model ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 102.05 386.10 Td (for ) Tj ET Q q 0 0 0 rg BT 116.30 386.10 Td ( ) Tj ET Q q 0 0 0 rg BT 118.90 386.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 137.06 386.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 163.08 386.10 Td (The ) Tj ET Q q 0 0 0 rg BT 181.22 386.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 211.03 386.10 Td (that ) Tj ET Q q 0 0 0 rg BT 228.62 386.10 Td (most ) Tj ET Q q 0 0 0 rg BT 250.67 386.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 303.25 386.10 Td (af) Tj ET Q q 0 0 0 rg BT 310.84 386.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 328.43 386.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.24 386.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 383.05 386.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.98 386.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 417.69 386.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 438.05 386.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 462.87 386.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 501.00 386.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.38 386.10 Td (be ) Tj ET Q q 0 0 0 rg BT 523.42 386.10 Td (collected, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.38 374.10 Td (accordingly ) Tj ET Q q 0 0 0 rg BT 115.53 374.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.69 374.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 172.16 374.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 196.60 374.10 Td (include ) Tj ET Q q 0 0 0 rg BT 227.98 374.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 262.13 374.10 Td (in ) Tj ET Q q 0 0 0 rg BT 271.86 374.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.02 374.10 Td (benchmark ) Tj ET Q q 0 0 0 rg BT 332.39 374.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 363.77 374.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 380.70 374.10 Td (indices ) Tj ET Q q 0 0 0 rg BT 410.97 374.10 Td (for ) Tj ET Q q 0 0 0 rg BT 424.58 374.10 Td (variable-rate ) Tj ET Q q 0 0 0 rg BT 477.04 374.10 Td (products ) Tj ET Q q 0 0 0 rg BT 513.42 374.10 Td (and ) Tj ET Q q 0 0 0 rg BT 529.81 374.10 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 362.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 109.98 362.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 161.93 362.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.87 362.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 196.93 362.10 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 238.96 362.10 Td (The ) Tj ET Q q 0 0 0 rg BT 257.01 362.10 Td (following ) Tj ET Q q 0 0 0 rg BT 298.39 362.10 Td (table ) Tj ET Q q 0 0 0 rg BT 320.33 362.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 357.27 362.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 389.76 362.10 Td (for ) Tj ET Q q 0 0 0 rg BT 403.92 362.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.63 362.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 461.65 362.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 484.15 362.10 Td (of ) Tj ET Q q 0 0 0 rg BT 494.98 362.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 513.04 362.10 Td (loans.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 326.60 330.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 326.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 326.60 87.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 326.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 326.60 87.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 302.60 330.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 302.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 302.60 87.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 302.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 302.60 87.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 278.60 330.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 278.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 278.60 87.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 278.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 278.60 87.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 252.60 330.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 252.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 252.60 87.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 252.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 252.60 87.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 351.6 m 380.5 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 351.6 m 384.5 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 351.6 m 471.5 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 339.6 m 471.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 351.6 m 475.5 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 339.6 m 475.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 351.6 m 562.5 351.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 339.6 m 562.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 326.6 m 380.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 326.6 m 384.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 339.6 m 471.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 326.6 m 471.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 339.6 m 475.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 326.6 m 475.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 339.6 m 562.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 326.6 m 562.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 326.6 m 471.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 326.6 m 562.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 252.60000000000002 m 471.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 252.60000000000002 m 475.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 252.60000000000002 m 562.5 252.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 240.60000000000002 m 380.5 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 240.60000000000002 m 384.5 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 240.60000000000002 m 471.5 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 240.60000000000002 m 475.5 240.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 240.60000000000002 m 562.5 240.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 343.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.05 343.68 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 330.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.50 330.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.50 330.85 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 317.86 Td (Accretable yield, beginning balance) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 318.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.25 318.00 Td (79,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 317.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 317.86 Td (115,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 305.86 Td (Acquisitions) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 306.00 Td (9,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 305.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 293.86 Td (Accretable yield amortized to interest income) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.25 294.00 Td (\(24,115) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 294.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 293.86 Td (\(36,956) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 293.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 281.86 Td (Accretable yield amortized to indemnification asset ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 240.93 285.94 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.25 282.00 Td (\(13,495) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.00 282.00 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 281.86 Td (\(30,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 281.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 269.86 Td (Reclassification from non-accretable dif) Tj ET Q q 0 0 0 rg BT 197.52 269.86 Td (ference ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 226.25 273.94 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 270.00 Td (7,390) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 269.86 Td (35,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 257.86 Td (Increases \(decreases\) in interest cash flows due to payments and changes in interest rates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 447.75 257.05 Td (5,027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 257.06 Td (\(5,127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 257.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 243.86 Td (Accretable yield, ending balance ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 173.19 247.94 Td (\(3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.00 244.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.25 244.00 Td (63,902) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.00 243.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 243.86 Td (79,102) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 241.10 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 229.10 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 229.10 Td (Repr) Tj ET Q q 0 0 0 rg BT 99.52 229.10 Td (esents ) Tj ET Q q 0 0 0 rg BT 126.93 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.12 229.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 174.54 229.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.29 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.48 229.10 Td (curr) Tj ET Q q 0 0 0 rg BT 217.33 229.10 Td (ent ) Tj ET Q q 0 0 0 rg BT 232.52 229.10 Td (period ) Tj ET Q q 0 0 0 rg BT 261.60 229.10 Td (accr) Tj ET Q q 0 0 0 rg BT 279.00 229.10 Td (eted ) Tj ET Q q 0 0 0 rg BT 298.63 229.10 Td (yield, ) Tj ET Q q 0 0 0 rg BT 323.53 229.10 Td (r) Tj ET Q q 0 0 0 rg BT 327.05 229.10 Td (esulting ) Tj ET Q q 0 0 0 rg BT 361.69 229.10 Td (fr) Tj ET Q q 0 0 0 rg BT 367.99 229.10 Td (om ) Tj ET Q q 0 0 0 rg BT 383.18 229.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 408.93 229.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 446.88 229.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 476.24 229.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 509.21 229.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.96 229.10 Td (r) Tj ET Q q 0 0 0 rg BT 523.48 229.10 Td (educe ) Tj ET Q q 0 0 0 rg BT 549.77 229.10 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 217.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 98.51 217.10 Td (shar) Tj ET Q q 0 0 0 rg BT 115.92 217.10 Td (e ) Tj ET Q q 0 0 0 rg BT 122.86 217.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 188.13 217.10 Td (asset.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 205.10 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 205.10 Td (Reclassification ) Tj ET Q q 0 0 0 rg BT 146.83 205.10 Td (is ) Tj ET Q q 0 0 0 rg BT 156.00 205.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.71 205.10 Td (r) Tj ET Q q 0 0 0 rg BT 174.23 205.10 Td (esult ) Tj ET Q q 0 0 0 rg BT 195.62 205.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.90 205.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 252.84 205.10 Td (incr) Tj ET Q q 0 0 0 rg BT 268.57 205.10 Td (eases ) Tj ET Q q 0 0 0 rg BT 292.74 205.10 Td (in ) Tj ET Q q 0 0 0 rg BT 303.01 205.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 340.48 205.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 379.65 205.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 400.48 205.10 Td (flows.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 193.10 Td (\(3\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 193.10 Td (As ) Tj ET Q q 0 0 0 rg BT 93.85 193.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.03 193.10 Td (December ) Tj ET Q q 0 0 0 rg BT 149.53 193.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 165.43 193.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 191.33 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.95 193.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 248.69 193.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 289.31 193.10 Td (that ) Tj ET Q q 0 0 0 rg BT 308.27 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.89 193.10 Td (r) Tj ET Q q 0 0 0 rg BT 327.41 193.10 Td (emaining ) Tj ET Q q 0 0 0 rg BT 368.03 193.10 Td (accr) Tj ET Q q 0 0 0 rg BT 385.43 193.10 Td (etable ) Tj ET Q q 0 0 0 rg BT 413.26 193.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 436.10 193.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 471.16 193.10 Td (to ) Tj ET Q q 0 0 0 rg BT 482.34 193.10 Td (be ) Tj ET Q q 0 0 0 rg BT 495.18 193.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 538.58 193.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.77 193.10 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 181.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 146.52 181.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 169.82 181.10 Td (for ) Tj ET Q q 0 0 0 rg BT 184.78 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.30 181.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 223.04 181.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 274.67 181.10 Td (is ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 284.64 181.10 Td ($6.6 ) Tj ET Q q 0 0 0 rg BT 305.44 181.10 Td (million) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 333.77 181.10 Td (. ) Tj ET Q q 0 0 0 rg BT 339.57 181.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.87 181.10 Td (The ) Tj ET Q q 0 0 0 rg BT 361.17 181.10 Td (r) Tj ET Q q 0 0 0 rg BT 364.69 181.10 Td (emainder ) Tj ET Q q 0 0 0 rg BT 405.75 181.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.83 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.34 181.10 Td (accr) Tj ET Q q 0 0 0 rg BT 449.74 181.10 Td (etable ) Tj ET Q q 0 0 0 rg BT 477.47 181.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 500.21 181.10 Td (r) Tj ET Q q 0 0 0 rg BT 503.73 181.10 Td (elated ) Tj ET Q q 0 0 0 rg BT 531.46 181.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.53 181.10 Td (bank ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 169.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 131.28 169.10 Td (is ) Tj ET Q q 0 0 0 rg BT 140.45 169.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 177.93 169.10 Td (to ) Tj ET Q q 0 0 0 rg BT 188.20 169.10 Td (be ) Tj ET Q q 0 0 0 rg BT 200.14 169.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 242.64 169.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.92 169.10 Td (inter) Tj ET Q q 0 0 0 rg BT 271.44 169.10 Td (est ) Tj ET Q q 0 0 0 rg BT 285.04 169.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.10 Td (Accretion ) Tj ET Q q 0 0 0 rg BT 91.95 145.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.25 145.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 134.21 145.10 Td (income ) Tj ET Q q 0 0 0 rg BT 166.17 145.10 Td (from ) Tj ET Q q 0 0 0 rg BT 188.14 145.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 225.09 145.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 248.72 145.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.46 145.10 Td ($24.1 ) Tj ET Q q 0 0 0 rg BT 303.48 145.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.38 145.10 Td ( ) Tj ET Q q 0 0 0 rg BT 334.90 145.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.87 145.10 Td ($37.0 ) Tj ET Q q 0 0 0 rg BT 376.89 145.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.78 145.10 Td ( ) Tj ET Q q 0 0 0 rg BT 408.31 145.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.61 145.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 441.14 145.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.10 145.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 483.13 145.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 530.79 145.10 Td (. ) Tj ET Q q 0 0 0 rg BT 538.13 145.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.37 133.10 Td (include ) Tj ET Q q 0 0 0 rg BT 118.28 133.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 157.41 133.10 Td (from ) Tj ET Q q 0 0 0 rg BT 179.33 133.10 Td (both ) Tj ET Q q 0 0 0 rg BT 199.59 133.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 233.71 133.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.64 133.10 Td (non-covered ) Tj ET Q q 0 0 0 rg BT 303.09 133.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 329.18 133.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.10 133.10 Td (are ) Tj ET Q q 0 0 0 rg BT 360.79 133.10 Td (included ) Tj ET Q q 0 0 0 rg BT 397.71 133.10 Td (together ) Tj ET Q q 0 0 0 rg BT 432.95 133.10 Td (within ) Tj ET Q q 0 0 0 rg BT 460.99 133.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 492.91 133.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.83 133.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 528.41 133.10 Td (on ) Tj ET Q q 0 0 0 rg BT 540.89 133.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 121.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 130.27 121.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 176.65 121.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.48 121.10 Td (Income.) Tj ET Q endstream endobj 235 0 obj <> endobj 236 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 27.67 Td (1) Tj ET Q q 0 0 0 rg BT 546.98 27.67 Td (17) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 63.61 742.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 123.13 742.25 Td ( Loan Losses, ) Tj ET Q q 0 0 0 rg BT 182.60 742.25 Td (Allowance for) Tj ET Q q 0 0 0 rg BT 242.12 742.25 Td ( Losses on Lending-Related Commitments and Impair) Tj ET Q q 0 0 0 rg BT 473.62 742.25 Td (ed Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The tables below show the aging of the Company) Tj ET Q q 0 0 0 rg BT 251.07 721.25 Td (s loan portfolio at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.39 721.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.97 721.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.41 721.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.41 721.25 Td (:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 710.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 667.95 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 667.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 667.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 667.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 667.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 667.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 667.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 667.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 667.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg 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1 rg /GS0 gs 500.50 407.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 407.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 379.95 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 379.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 379.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 379.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 379.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 379.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 379.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 379.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 379.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 379.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 379.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 379.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 379.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 351.95 145.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 351.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 351.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 351.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 351.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 351.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 351.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 351.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 351.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 351.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 351.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 351.95 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 324.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 296.95 145.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 296.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 296.95 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 296.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 296.95 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 296.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 296.95 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 296.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 296.95 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 296.95 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 296.95 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 296.95 4.00 -15.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 504.50 267.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 239.95 145.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 239.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 239.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 239.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 239.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 239.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 239.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 239.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 239.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 239.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 239.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 239.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 239.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 211.95 145.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 211.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 211.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 211.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 211.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 211.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 211.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 211.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 211.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 211.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 211.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 211.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 211.95 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 174.95 145.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 174.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 199.50 174.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 174.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 174.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 174.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 174.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 378.50 174.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 174.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 174.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 174.95 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 174.95 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 174.95 58.00 -23.00 re f 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321.5 699.95 m 378.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 667.95 m 378.5 667.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 699.95 m 382.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 378.5 667.95 m 382.5 667.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 699.95 m 439.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 382.5 667.95 m 439.5 667.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 699.95 m 443.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 667.95 m 443.5 667.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 699.95 m 500.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 667.95 m 500.5 667.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 699.95 m 504.5 699.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 667.95 m 504.5 667.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 699.95 m 562.5 699.95 l s 0 0 0 RG /GS0 gs 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BT 392.60 681.40 Td (days past) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 403.45 672.40 Td (due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.80 672.40 Td (Current) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.25 672.40 Td (Total Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 659.35 Td (Loan Balances:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 645.21 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 631.21 Td (Commercial and industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 630.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.25 630.40 Td (12,416) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.00 630.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 630.40 Td (6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 630.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 630.40 Td (6,749) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 630.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 630.40 Td (12,930) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 630.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 630.40 Td (2,819,253) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 630.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 630.40 Td (2,851,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 617.21 Td (Franchise) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 616.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 616.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 616.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 616.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 616.40 Td (245,228) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 616.40 Td (245,228) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 603.21 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 602.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 602.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 602.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 602.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 602.40 Td (222,806) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 602.40 Td (222,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 589.21 Td (Community Advantage ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 580.21 Td (homeowners association) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 579.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 579.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 579.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 579.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 579.40 Td (130,986) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 579.40 Td (130,986) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 566.21 Td (Aircraft) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.50 565.40 Td (288) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 565.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 565.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 565.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 565.40 Td (5,039) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 565.40 Td (5,327) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 552.21 Td (Asset-based lending) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 248.50 551.40 Td (8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 551.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 551.40 Td (3,864) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 551.40 Td (1,844) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 551.40 Td (736,968) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 551.40 Td (742,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 538.21 Td (Tax exempt) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 537.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 537.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 537.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 537.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 537.40 Td (267,273) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 537.40 Td (267,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 524.21 Td (Leases) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 523.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 523.40 Td (535) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 523.40 Td (748) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 523.40 Td (4,192) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 523.40 Td (220,599) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 523.40 Td (226,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 510.21 Td (Other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 509.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 509.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 509.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 509.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 509.40 Td (3,588) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 509.40 Td (3,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 496.21 Td (PCI - commercial ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 127.48 500.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 496.35 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 496.35 Td (892) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 496.35 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 496.35 Td (2,510) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 496.35 Td (15,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 496.35 Td (18,589) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 483.21 Td (Total commercial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 482.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.25 482.40 Td (12,712) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.00 482.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 293.75 482.40 Td (1,433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 482.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.25 482.40 Td (11,361) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 482.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 482.40 Td (21,476) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 482.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 482.40 Td (4,666,927) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 482.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 482.40 Td (4,713,909) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 469.21 Td (Commercial real estate:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 455.21 Td (Residential construction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 454.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.50 454.40 Td (273) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.00 454.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 454.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 454.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 454.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 454.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 454.40 Td (45) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 454.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 454.40 Td (70,063) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 454.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 454.40 Td (70,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 441.21 Td (Commercial construction) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 440.40 Td (33) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 440.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 440.40 Td (1,371) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 440.40 Td (1,600) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 440.40 Td (285,275) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 440.40 Td (288,279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 427.21 Td (Land) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.75 426.40 Td (1,751) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 426.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 426.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.50 426.40 Td (120) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.25 426.40 Td (76,546) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 426.40 Td (78,417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 413.21 Td (Office) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.75 412.40 Td (4,619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 412.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 412.40 Td (764) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 412.40 Td (3,817) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 412.40 Td (853,801) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 412.40 Td (863,001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 399.21 Td (Industrial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.75 398.40 Td (9,564) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 398.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 398.40 Td (1,868) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 398.40 Td (1,009) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 398.40 Td (715,207) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 398.40 Td (727,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 385.21 Td (Retail) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.75 384.40 Td (1,760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 384.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 384.40 Td (442) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 384.40 Td (2,310) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 384.40 Td (863,887) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 384.40 Td (868,399) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 371.21 Td (Multi-family) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.75 370.40 Td (1,954) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 370.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 370.40 Td (597) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 370.40 Td (6,568) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 370.40 Td (733,230) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 370.40 Td (742,349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 357.21 Td (Mixed use and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.75 356.40 Td (6,691) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 356.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 356.40 Td (6,723) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 356.40 Td (7,215) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 356.40 Td (1,712,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 356.40 Td (1,732,816) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 343.21 Td (PCI - commercial real estate ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 163.70 347.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 343.35 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 343.35 Td (22,111) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 343.35 Td (4,662) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 343.35 Td (16,559) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 343.35 Td (114,667) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 343.35 Td (157,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 330.21 Td (Total commercial real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 329.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.25 329.40 Td (26,645) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.00 329.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 329.40 Td (22,111) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 329.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.25 329.40 Td (16,427) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 329.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 329.40 Td (39,243) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 446.00 329.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 329.40 Td (5,424,863) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.00 329.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 329.40 Td (5,529,289) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 316.21 Td (Home equity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.75 315.40 Td (6,848) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 315.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 315.40 Td (1,889) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 315.40 Td (5,517) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 315.40 Td (770,421) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 315.40 Td (784,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 302.21 Td (Residential real estate) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.25 301.40 Td (12,043) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 301.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 301.40 Td (1,964) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 301.40 Td (3,824) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 301.40 Td (586,154) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 301.40 Td (603,985) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 286.41 Td (PCI - residential real estate ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.71 290.49 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 286.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 286.40 Td (488) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 286.40 Td (202) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 286.40 Td (79) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 476.75 286.40 Td (2,697) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 286.40 Td (3,466) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 273.21 Td (Premium finance receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 259.21 Td (Commercial insurance loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.25 258.40 Td (14,561) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 258.40 Td (10,294) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 258.40 Td (6,624) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 258.40 Td (21,656) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 258.40 Td (2,321,786) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 258.40 Td (2,374,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 245.21 Td (Life insurance loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 244.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 244.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.75 244.40 Td (3,432) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 411.25 244.40 Td (11,140) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 461.00 244.40 Td (2,578,632) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 244.40 Td (2,593,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 231.21 Td (PCI - life insurance loans ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.73 235.29 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 230.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.00 230.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.00 230.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.00 230.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 230.40 Td (368,292) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 230.40 Td (368,292) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 217.21 Td (Consumer and other) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 239.50 216.40 Td (263) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.50 216.40 Td (211) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.50 216.40 Td (204) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.75 216.40 Td (1,187) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.75 216.40 Td (144,511) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.75 216.40 Td (146,376) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 203.21 Td (Total loans, net of unearned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 194.21 Td (income, excluding covered loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 202.00 193.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.25 193.40 Td (73,072) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 263.00 193.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.25 193.40 Td (34,537) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 324.00 193.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.25 193.40 Td (42,103) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 385.00 193.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 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Q q 0 0 0 rg BT 106.77 116.45 Td (chased ) Tj ET Q q 0 0 0 rg BT 137.04 116.45 Td (loans.) 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0.9333333333333333 1 rg /GS0 gs 438.50 511.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 511.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 511.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 511.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 483.50 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 483.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 483.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 483.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 483.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 483.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 483.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 483.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 483.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 483.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 483.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 483.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 483.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 455.50 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 455.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 455.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 455.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 455.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 455.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 455.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 455.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 455.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 455.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 455.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 455.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 455.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 427.50 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 427.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 427.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 427.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 427.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 427.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 427.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 427.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 427.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 427.50 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 399.50 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 399.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 399.50 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 372.50 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 372.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 372.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 372.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 372.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 372.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 372.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 372.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 372.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 372.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 372.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 372.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 372.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 344.50 143.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 344.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 344.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 344.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 344.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 344.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 344.50 57.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 344.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 344.50 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 344.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 344.50 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 344.50 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 344.50 58.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 315.50 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 315.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 315.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 315.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 315.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 315.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 315.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 315.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 315.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 315.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 315.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 315.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 315.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 287.50 143.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 287.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 287.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 287.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 287.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 287.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 287.50 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 287.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 287.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 287.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 287.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 287.50 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 287.50 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 259.50 143.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 259.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 259.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 259.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 259.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 259.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 259.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 259.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 259.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 259.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 259.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 259.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 259.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 222.50 143.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 222.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 197.50 222.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 222.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 258.50 222.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 222.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 222.50 57.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 222.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 222.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 222.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 222.50 58.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 222.50 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 222.50 58.00 -23.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 748.5 m 193.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 716.5 m 193.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 748.5 m 197.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 716.5 m 197.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 748.5 m 254.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 716.5 m 254.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 748.5 m 258.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 716.5 m 258.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 748.5 m 315.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 716.5 m 315.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 748.5 m 319.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 716.5 m 319.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 748.5 m 376.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 716.5 m 376.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 748.5 m 380.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 716.5 m 380.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 748.5 m 438.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 716.5 m 438.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 748.5 m 442.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 716.5 m 442.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 748.5 m 500.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 716.5 m 500.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 748.5 m 504.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 716.5 m 504.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 748.5 m 562.5 748.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 716.5 m 562.5 716.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 539.5 m 254.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 525.5 m 254.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 539.5 m 258.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 525.5 m 258.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 539.5 m 315.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 525.5 m 315.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 539.5 m 319.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 525.5 m 319.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 539.5 m 376.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 525.5 m 376.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 539.5 m 380.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 525.5 m 380.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 539.5 m 438.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 525.5 m 438.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 539.5 m 442.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 525.5 m 442.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 539.5 m 500.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 525.5 m 500.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 539.5 m 504.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 525.5 m 504.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 539.5 m 562.5 539.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 525.5 m 562.5 525.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 386.5 m 254.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 372.5 m 254.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 386.5 m 258.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 372.5 m 258.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 386.5 m 315.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 372.5 m 315.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 386.5 m 319.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 372.5 m 319.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 386.5 m 376.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 372.5 m 376.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 386.5 m 380.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 372.5 m 380.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 386.5 m 438.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 372.5 m 438.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 386.5 m 442.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 372.5 m 442.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 386.5 m 500.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 372.5 m 500.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 386.5 m 504.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 372.5 m 504.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 386.5 m 562.5 386.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 372.5 m 562.5 372.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 259.5 m 254.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 259.5 m 315.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 259.5 m 376.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 259.5 m 438.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 259.5 m 500.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 259.5 m 562.5 259.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 199.5 m 193.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 199.5 m 197.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 222.5 m 254.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 197.5 199.5 m 254.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 222.5 m 258.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 199.5 m 258.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 222.5 m 315.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 258.5 199.5 m 315.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 222.5 m 319.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 199.5 m 319.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 222.5 m 376.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 199.5 m 376.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 222.5 m 380.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 199.5 m 380.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 222.5 m 438.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 199.5 m 438.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 222.5 m 442.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 199.5 m 442.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 222.5 m 500.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 199.5 m 500.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 222.5 m 504.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 199.5 m 504.5 199.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 222.5 m 562.5 222.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 199.5 m 562.5 199.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 729.96 Td (As of December31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 720.96 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.25 720.95 Td (Nonaccrual) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.55 738.95 Td (90+ days) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 271.10 729.95 Td (and still) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.75 720.95 Td (accruing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 337.00 738.95 Td (60-89) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.60 729.95 Td (days past) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 340.45 720.95 Td (due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.50 738.95 Td (30-59) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.10 729.95 Td (days past) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.95 720.95 Td (due) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 455.30 720.95 Td (Current) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.25 720.95 Td (Total Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 707.90 Td (Loan Balances:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 693.76 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 679.76 Td (Commercial and industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 678.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 678.96 Td (9,132) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 678.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 678.96 Td (474) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 678.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 678.96 Td (3,161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 678.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 678.96 Td (7,492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 678.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 678.96 Td (2,194,221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 678.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 678.96 Td (2,214,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 665.76 Td (Franchise) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 664.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 664.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 664.96 Td (308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 664.96 Td (1,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 664.96 Td (250,673) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 664.96 Td (252,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 651.76 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 650.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 650.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 650.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 650.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 650.96 Td (139,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 650.96 Td (139,003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 637.76 Td (Community Advantage ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 628.76 Td (homeowners association) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 627.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 627.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 627.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 627.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 627.96 Td (106,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 627.96 Td (106,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 614.76 Td (Aircraft) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 613.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 613.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 613.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 613.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 613.96 Td (8,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 613.96 Td (8,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 600.76 Td (Asset-based lending) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 599.96 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 599.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 599.96 Td (1,375) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 599.96 Td (2,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 599.96 Td (802,608) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 599.96 Td (806,402) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 586.76 Td (Tax exempt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 585.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 585.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 585.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 585.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 585.96 Td (217,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 585.96 Td (217,487) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 572.76 Td (Leases) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 571.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 571.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 571.96 Td (77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 571.96 Td (315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 571.96 Td (159,744) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 571.96 Td (160,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 558.76 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 557.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 557.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 557.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 557.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 557.96 Td (11,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 557.96 Td (11,034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 544.76 Td (PCI - commercial ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 125.23 548.84 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 543.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 543.96 Td (365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 543.96 Td (202) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 543.96 Td (138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 543.96 Td (8,518) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 543.96 Td (9,223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 530.76 Td (Total commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 529.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 529.96 Td (9,157) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 529.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 529.96 Td (839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 529.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 529.96 Td (5,123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 529.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 529.96 Td (11,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 529.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 529.96 Td (3,897,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 529.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 529.96 Td (3,924,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 516.76 Td (Commercial real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 502.76 Td (Residential construction) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 501.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 501.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 501.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 501.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 501.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 501.96 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 501.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 501.96 Td (76) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 501.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 501.96 Td (38,370) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 501.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 501.96 Td (38,696) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 488.76 Td (Commercial construction) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 487.96 Td (230) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 487.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 487.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 487.96 Td (2,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 487.96 Td (185,513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 487.96 Td (187,766) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 474.76 Td (Land) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 473.96 Td (2,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 473.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 473.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 473.96 Td (2,395) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 473.96 Td (86,779) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 473.96 Td (91,830) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 460.76 Td (Office) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 459.96 Td (7,288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 459.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 459.96 Td (2,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 459.96 Td (1,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 459.96 Td (694,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 459.96 Td (705,432) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 446.76 Td (Industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 445.96 Td (2,392) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 445.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 445.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 445.96 Td (3,758) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 445.96 Td (617,820) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 445.96 Td (623,970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 432.76 Td (Retail) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 431.96 Td (4,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 431.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 431.96 Td (116) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 431.96 Td (3,301) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 431.96 Td (723,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 431.96 Td (731,488) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 418.76 Td (Multi-family) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 417.96 Td (249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 417.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 417.96 Td (249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 417.96 Td (1,921) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 417.96 Td (603,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 417.96 Td (605,742) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 404.76 Td (Mixed use and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 403.96 Td (9,638) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 403.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 403.96 Td (2,603) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 403.96 Td (9,023) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 403.96 Td (1,443,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 403.96 Td (1,465,117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 390.76 Td (PCI - commercial real estate ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 163.70 394.84 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 390.76 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 390.76 Td (10,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 390.76 Td (6,393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 390.76 Td (4,016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 390.76 Td (34,327) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 390.76 Td (55,712) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 377.76 Td (Total commercial real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 376.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.25 376.96 Td (26,605) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 376.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 376.96 Td (10,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 376.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 376.96 Td (12,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 376.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 376.96 Td (27,887) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 376.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 376.96 Td (4,428,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 376.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 376.96 Td (4,505,753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 363.76 Td (Home equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 362.96 Td (6,174) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 362.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 362.96 Td (983) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 362.96 Td (3,513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 362.96 Td (705,623) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 362.96 Td (716,293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 349.76 Td (Residential real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.25 348.96 Td (15,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 348.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 348.96 Td (267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 348.96 Td (6,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 348.96 Td (459,224) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 348.96 Td (481,308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 333.96 Td (PCI - residential real estate ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.71 338.04 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 333.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 333.96 Td (549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 333.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 333.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.75 333.96 Td (1,685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 333.96 Td (2,234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 320.76 Td (Premium finance receivables) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 306.76 Td (Commercial insurance loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.25 305.96 Td (12,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 305.96 Td (7,665) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 305.96 Td (5,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 305.96 Td (17,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 305.96 Td (2,307,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 305.96 Td (2,350,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 292.76 Td (Life insurance loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 291.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 291.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 291.96 Td (13,084) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 291.96 Td (339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 291.96 Td (1,870,669) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 291.96 Td (1,884,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 278.76 Td (PCI - life insurance loans ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 152.73 282.84 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 242.00 277.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 277.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 364.00 277.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 277.96 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 277.96 Td (393,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 277.96 Td (393,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 264.76 Td (Consumer and other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 237.50 263.96 Td (277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 263.96 Td (119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.50 263.96 Td (293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.50 263.96 Td (838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 263.96 Td (149,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 263.96 Td (151,012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 250.76 Td (Total loans, net of unearned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 241.76 Td (income, excluding covered loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 240.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.25 240.96 Td (70,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 240.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 240.96 Td (20,148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 240.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 240.96 Td (37,977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 240.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 240.96 Td (67,778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 240.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 240.96 Td (14,213,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 240.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 240.96 Td (14,409,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 227.76 Td (Covered loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 230.75 226.96 Td (7,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 226.96 Td (17,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 226.96 Td (1,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.75 226.96 Td (4,835) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.75 226.96 Td (195,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 226.96 Td (226,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 213.76 Td (Total loans, net of unearned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 204.76 Td (income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 226.25 203.96 Td (77,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 203.96 Td (37,987) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 322.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 203.96 Td (39,281) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.25 203.96 Td (72,613) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 445.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.50 203.96 Td (14,408,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 507.00 203.96 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 203.96 Td (14,636,107) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 189.20 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.20 177.20 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 177.20 Td (PCI ) Tj ET Q q 0 0 0 rg BT 90.13 177.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 115.62 177.20 Td (r) Tj ET Q q 0 0 0 rg BT 119.14 177.20 Td (epr) Tj ET Q q 0 0 0 rg BT 132.10 177.20 Td (esent ) Tj ET Q q 0 0 0 rg BT 156.47 177.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 181.96 177.20 Td (acquir) Tj ET Q q 0 0 0 rg BT 207.69 177.20 Td (ed ) Tj ET Q q 0 0 0 rg BT 220.95 177.20 Td (with ) Tj ET Q q 0 0 0 rg BT 242.00 177.20 Td (evidence ) Tj ET Q q 0 0 0 rg BT 280.79 177.20 Td (of ) Tj ET Q q 0 0 0 rg BT 292.39 177.20 Td (cr) Tj ET Q q 0 0 0 rg BT 300.35 177.20 Td (edit ) Tj ET Q q 0 0 0 rg BT 319.16 177.20 Td (quality ) Tj ET Q q 0 0 0 rg BT 350.76 177.20 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 407.35 177.20 Td (since ) Tj ET Q q 0 0 0 rg BT 431.72 177.20 Td (origination, ) Tj ET Q q 0 0 0 rg BT 483.04 177.20 Td (in ) Tj ET Q q 0 0 0 rg BT 494.64 177.20 Td (accor) Tj ET Q q 0 0 0 rg BT 517.04 177.20 Td (dance ) Tj ET Q q 0 0 0 rg BT 544.74 177.20 Td (with ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 165.20 Td (ASC310-30. ) Tj ET Q q 0 0 0 rg BT 124.39 165.20 Td (Loan ) Tj ET Q q 0 0 0 rg BT 148.03 165.20 Td (agings ) Tj ET Q q 0 0 0 rg BT 177.78 165.20 Td (ar) Tj ET Q q 0 0 0 rg BT 186.30 165.20 Td (e ) Tj ET Q q 0 0 0 rg BT 193.81 165.20 Td (based ) Tj ET Q q 0 0 0 rg BT 220.22 165.20 Td (upon ) Tj ET Q q 0 0 0 rg BT 243.30 165.20 Td (contractually ) Tj ET Q q 0 0 0 rg BT 299.70 165.20 Td (r) Tj ET Q q 0 0 0 rg BT 303.22 165.20 Td (equir) Tj ET Q q 0 0 0 rg BT 323.96 165.20 Td (ed ) Tj ET Q q 0 0 0 rg BT 336.47 165.20 Td (payments. ) Tj ET Q q 0 0 0 rg BT 379.82 165.20 Td ( ) Tj ET Q q 0 0 0 rg BT 382.90 165.20 Td (See ) Tj ET Q q 0 0 0 rg BT 399.86 165.20 Td (Note ) Tj ET Q q 0 0 0 rg BT 421.82 165.20 Td (4 ) Tj ET Q q 0 0 0 rg BT 429.90 165.20 Td (- ) Tj ET Q q 0 0 0 rg BT 436.31 165.20 Td (Loans ) Tj ET Q q 0 0 0 rg BT 463.84 165.20 Td (for ) Tj ET Q q 0 0 0 rg BT 478.59 165.20 Td (further ) Tj ET Q q 0 0 0 rg BT 509.45 165.20 Td (discussion ) Tj ET Q q 0 0 0 rg BT 554.19 165.20 Td (of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 153.20 Td (these ) Tj ET Q q 0 0 0 rg BT 93.25 153.20 Td (pur) Tj ET Q q 0 0 0 rg BT 106.77 153.20 Td (chased ) Tj ET Q q 0 0 0 rg BT 137.04 153.20 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 129.20 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.74 129.20 Td (ability ) Tj ET Q q 0 0 0 rg BT 95.49 129.20 Td (to ) Tj ET Q q 0 0 0 rg BT 105.46 129.20 Td (manage ) Tj ET Q q 0 0 0 rg BT 138.74 129.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 163.70 129.20 Td (risk ) Tj ET Q q 0 0 0 rg BT 180.89 129.20 Td (depends ) Tj ET Q q 0 0 0 rg BT 215.85 129.20 Td (in ) Tj ET Q q 0 0 0 rg BT 225.82 129.20 Td (lar) Tj ET Q q 0 0 0 rg BT 236.18 129.20 Td (ge ) Tj ET Q q 0 0 0 rg BT 247.81 129.20 Td (part ) Tj ET Q q 0 0 0 rg BT 265.55 129.20 Td (on ) Tj ET Q q 0 0 0 rg BT 277.74 129.20 Td (our ) Tj ET Q q 0 0 0 rg BT 293.26 129.20 Td (ability ) Tj ET Q q 0 0 0 rg BT 321.01 129.20 Td (to ) Tj ET Q q 0 0 0 rg BT 330.98 129.20 Td (properly ) Tj ET Q q 0 0 0 rg BT 367.05 129.20 Td (identify ) Tj ET Q q 0 0 0 rg BT 400.34 129.20 Td (and ) Tj ET Q q 0 0 0 rg BT 416.97 129.20 Td (manage ) Tj ET Q q 0 0 0 rg BT 450.26 129.20 Td (problem ) Tj ET Q q 0 0 0 rg BT 485.77 129.20 Td (loans. ) Tj ET Q q 0 0 0 rg BT 511.41 129.20 Td (T) Tj ET Q q 0 0 0 rg BT 516.82 129.20 Td (o ) Tj ET Q q 0 0 0 rg BT 524.02 129.20 Td (do ) Tj ET Q q 0 0 0 rg BT 536.21 129.20 Td (so, ) Tj ET Q q 0 0 0 rg BT 549.79 129.20 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 117.20 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.72 117.20 Td (operates ) Tj ET Q q 0 0 0 rg BT 127.86 117.20 Td (a ) Tj ET Q q 0 0 0 rg BT 135.13 117.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 160.72 117.20 Td (risk ) Tj ET Q q 0 0 0 rg BT 178.55 117.20 Td (rating ) Tj ET Q q 0 0 0 rg BT 204.71 117.20 Td (system ) Tj ET Q q 0 0 0 rg BT 235.31 117.20 Td (under ) Tj ET Q q 0 0 0 rg BT 260.91 117.20 Td (which ) Tj ET Q q 0 0 0 rg BT 288.18 117.20 Td (our ) Tj ET Q q 0 0 0 rg BT 304.34 117.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 329.93 117.20 Td (management ) Tj ET Q q 0 0 0 rg BT 383.85 117.20 Td (personnel ) Tj ET Q q 0 0 0 rg BT 425.56 117.20 Td (assign ) Tj ET Q q 0 0 0 rg BT 453.39 117.20 Td (a ) Tj ET Q q 0 0 0 rg BT 460.66 117.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 486.25 117.20 Td (risk ) Tj ET Q q 0 0 0 rg BT 504.08 117.20 Td (rating ) Tj ET Q q 0 0 0 rg BT 530.23 117.20 Td (\(1 ) Tj ET Q q 0 0 0 rg BT 541.39 117.20 Td (to ) Tj ET Q q 0 0 0 rg BT 552.00 117.20 Td (10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 105.20 Td (rating\) ) Tj ET Q q 0 0 0 rg BT 79.16 105.20 Td (to ) Tj ET Q q 0 0 0 rg BT 89.43 105.20 Td (each ) Tj ET Q q 0 0 0 rg BT 110.25 105.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 129.97 105.20 Td (at ) Tj ET Q q 0 0 0 rg BT 139.68 105.20 Td (the ) Tj ET Q q 0 0 0 rg BT 154.40 105.20 Td (time ) Tj ET Q q 0 0 0 rg BT 174.67 105.20 Td (of ) Tj ET Q q 0 0 0 rg BT 185.50 105.20 Td (origination ) Tj ET Q q 0 0 0 rg BT 231.88 105.20 Td (and ) Tj ET Q q 0 0 0 rg BT 248.82 105.20 Td (review ) Tj ET Q q 0 0 0 rg BT 278.53 105.20 Td (loans ) Tj ET Q q 0 0 0 rg BT 302.14 105.20 Td (on ) Tj ET Q q 0 0 0 rg BT 314.64 105.20 Td (a ) Tj ET Q q 0 0 0 rg BT 321.58 105.20 Td (regular ) Tj ET Q q 0 0 0 rg BT 352.39 105.20 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.20 Td (Each ) Tj ET Q q 0 0 0 rg BT 72.35 84.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 91.94 84.20 Td (of) Tj ET Q q 0 0 0 rg BT 100.09 84.20 Td (ficer ) Tj ET Q q 0 0 0 rg BT 120.77 84.20 Td (is ) Tj ET Q q 0 0 0 rg BT 129.81 84.20 Td (responsible ) Tj ET Q q 0 0 0 rg BT 177.72 84.20 Td (for ) Tj ET Q q 0 0 0 rg BT 191.75 84.20 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 238.56 84.20 Td (his ) Tj ET Q q 0 0 0 rg BT 252.59 84.20 Td (or ) Tj ET Q q 0 0 0 rg BT 263.29 84.20 Td (her ) Tj ET Q q 0 0 0 rg BT 278.43 84.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 298.01 84.20 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 337.87 84.20 Td (recommending ) Tj ET Q q 0 0 0 rg BT 400.22 84.20 Td (a ) Tj ET Q q 0 0 0 rg BT 407.03 84.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 432.16 84.20 Td (risk ) Tj ET Q q 0 0 0 rg BT 449.53 84.20 Td (rating ) Tj ET Q q 0 0 0 rg BT 475.22 84.20 Td (for ) Tj ET Q q 0 0 0 rg BT 489.25 84.20 Td (each ) Tj ET Q q 0 0 0 rg BT 509.93 84.20 Td (loan ) Tj ET Q q 0 0 0 rg BT 529.51 84.20 Td (in ) Tj ET Q q 0 0 0 rg BT 539.66 84.20 Td (his ) Tj ET Q q 0 0 0 rg BT 553.69 84.20 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.20 Td (her ) Tj ET Q q 0 0 0 rg BT 64.67 72.20 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 101.56 72.20 Td (and ) Tj ET Q q 0 0 0 rg BT 117.89 72.20 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 154.23 72.20 Td (the ) Tj ET Q q 0 0 0 rg BT 168.34 72.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.00 72.20 Td (risk ) Tj ET Q q 0 0 0 rg BT 209.90 72.20 Td (ratings ) Tj ET Q q 0 0 0 rg BT 239.01 72.20 Td (are ) Tj ET Q q 0 0 0 rg BT 253.12 72.20 Td (appropriate. ) Tj ET Q q 0 0 0 rg BT 302.91 72.20 Td (These ) Tj ET Q q 0 0 0 rg BT 328.68 72.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 353.34 72.20 Td (risk ) Tj ET Q q 0 0 0 rg BT 370.24 72.20 Td (ratings ) Tj ET Q q 0 0 0 rg BT 399.35 72.20 Td (are ) Tj ET Q q 0 0 0 rg BT 413.46 72.20 Td (then ) Tj ET Q q 0 0 0 rg BT 432.57 72.20 Td (ratified ) Tj ET Q q 0 0 0 rg BT 463.34 72.20 Td (by ) Tj ET Q q 0 0 0 rg BT 475.24 72.20 Td (the ) Tj ET Q q 0 0 0 rg BT 489.35 72.20 Td (bank) Tj ET Q q 0 0 0 rg BT 511.57 72.20 Td (s ) Tj ET Q q 0 0 0 rg BT 517.36 72.20 Td (chief ) Tj ET Q q 0 0 0 rg BT 539.24 72.20 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 60.20 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 60.20 Td (ficer ) Tj ET Q q 0 0 0 rg BT 77.84 60.20 Td (and/or ) Tj ET Q q 0 0 0 rg BT 104.76 60.20 Td (concurrence ) Tj ET Q q 0 0 0 rg BT 154.98 60.20 Td (credit ) Tj ET Q q 0 0 0 rg BT 179.12 60.20 Td (of) Tj ET Q q 0 0 0 rg BT 187.27 60.20 Td (ficer) Tj ET Q q 0 0 0 rg BT 205.04 60.20 Td (. ) Tj ET Q q 0 0 0 rg BT 208.91 60.20 Td (Credit ) Tj ET Q q 0 0 0 rg BT 235.28 60.20 Td (risk ) Tj ET Q q 0 0 0 rg BT 251.65 60.20 Td (ratings ) Tj ET Q q 0 0 0 rg BT 280.24 60.20 Td (are ) Tj ET Q q 0 0 0 rg BT 293.82 60.20 Td (determined ) Tj ET Q q 0 0 0 rg BT 340.18 60.20 Td (by ) Tj ET Q q 0 0 0 rg BT 351.55 60.20 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 394.57 60.20 Td (a ) Tj ET Q q 0 0 0 rg BT 400.39 60.20 Td (number ) Tj ET Q q 0 0 0 rg BT 432.31 60.20 Td (of ) Tj ET Q q 0 0 0 rg BT 442.01 60.20 Td (factors ) Tj ET Q q 0 0 0 rg BT 470.59 60.20 Td (including: ) Tj ET Q q 0 0 0 rg BT 512.52 60.20 Td (a ) Tj ET Q q 0 0 0 rg BT 518.33 60.20 Td (borrower) Tj ET Q q 0 0 0 rg BT 555.35 60.20 Td () Tj ET Q q 0 0 0 rg BT 558.13 60.20 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 48.20 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 48.20 Td (strength, ) Tj ET Q q 0 0 0 rg BT 124.70 48.20 Td (cash ) Tj ET Q q 0 0 0 rg BT 144.97 48.20 Td (flow ) Tj ET Q q 0 0 0 rg BT 165.80 48.20 Td (coverage, ) Tj ET Q q 0 0 0 rg BT 206.88 48.20 Td (collateral ) Tj ET Q q 0 0 0 rg BT 246.58 48.20 Td (protection ) Tj ET Q q 0 0 0 rg BT 289.62 48.20 Td (and ) Tj ET Q q 0 0 0 rg BT 306.56 48.20 Td (guarantees.) Tj ET Q endstream endobj 239 0 obj <> endobj 240 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.35 27.67 Td (1) Tj ET Q q 0 0 0 rg BT 546.98 27.67 Td (19) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.75 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 110.41 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 117.50 742.10 Td (Problem ) Tj ET Q q 0 0 0 rg BT 154.59 742.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 178.34 742.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 221.53 742.10 Td (system ) Tj ET Q q 0 0 0 rg BT 252.51 742.10 Td (automatically ) Tj ET Q q 0 0 0 rg BT 310.13 742.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 346.66 742.10 Td (all ) Tj ET Q q 0 0 0 rg BT 359.85 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 384.16 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 405.14 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 431.10 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 449.30 742.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 479.72 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.25 742.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 499.45 742.10 Td (through ) Tj ET Q q 0 0 0 rg BT 533.76 742.10 Td (9. ) Tj ET Q q 0 0 0 rg BT 544.22 742.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (system ) Tj ET Q q 0 0 0 rg BT 79.79 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 88.46 730.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 126.02 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.80 730.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 168.35 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 179.80 730.10 Td (on-going ) Tj ET Q q 0 0 0 rg BT 217.92 730.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 251.57 730.10 Td (tracking ) Tj ET Q q 0 0 0 rg BT 286.34 730.10 Td (mechanism ) Tj ET Q q 0 0 0 rg BT 333.89 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 347.56 730.10 Td (each ) Tj ET Q q 0 0 0 rg BT 367.88 730.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 403.21 730.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 424.94 730.10 Td (Once ) Tj ET Q q 0 0 0 rg BT 448.04 730.10 Td (management ) Tj ET Q q 0 0 0 rg BT 501.14 730.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 547.02 730.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.72 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 76.21 718.10 Td (has ) Tj ET Q q 0 0 0 rg BT 91.82 718.10 Td (deteriorated ) Tj ET Q q 0 0 0 rg BT 141.84 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.90 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.61 718.10 Td (point ) Tj ET Q q 0 0 0 rg BT 181.45 718.10 Td (where ) Tj ET Q q 0 0 0 rg BT 208.15 718.10 Td (it ) Tj ET Q q 0 0 0 rg BT 215.98 718.10 Td (has ) Tj ET Q q 0 0 0 rg BT 231.59 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.31 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 263.35 718.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 280.62 718.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 306.23 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.83 718.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 324.11 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 334.72 718.10 Td (worse, ) Tj ET Q q 0 0 0 rg BT 363.38 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.87 718.10 Td (Company) Tj ET Q q 0 0 0 rg BT 419.53 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 425.70 718.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 464.68 718.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 489.18 718.10 Td (Division ) Tj ET Q q 0 0 0 rg BT 525.91 718.10 Td (performs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 61.61 706.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 91.54 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.47 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.08 706.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 172.44 706.10 Td (review) Tj ET Q q 0 0 0 rg BT 199.00 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 203.19 706.10 Td (As ) Tj ET Q q 0 0 0 rg BT 216.47 706.10 Td (part ) Tj ET Q q 0 0 0 rg BT 234.18 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.68 706.10 Td (this ) Tj ET Q q 0 0 0 rg BT 261.30 706.10 Td (review) Tj ET Q q 0 0 0 rg BT 287.86 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 292.52 706.10 Td (all ) Tj ET Q q 0 0 0 rg BT 304.69 706.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 350.18 706.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 389.55 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 398.38 706.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 438.87 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.48 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.86 706.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 509.24 706.10 Td (methodology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.99 694.10 Td (analyzed ) Tj ET Q q 0 0 0 rg BT 98.84 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.60 694.10 Td (tracked. ) Tj ET Q q 0 0 0 rg BT 151.11 694.10 Td (As ) Tj ET Q q 0 0 0 rg BT 165.54 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 173.30 694.10 Td (result ) Tj ET Q q 0 0 0 rg BT 198.84 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.48 694.10 Td (this ) Tj ET Q q 0 0 0 rg BT 228.25 694.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 254.90 694.10 Td (review ) Tj ET Q q 0 0 0 rg BT 285.43 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 298.75 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 694.10 Td (Company) Tj ET Q q 0 0 0 rg BT 355.95 694.10 Td (s ) Tj ET Q q 0 0 0 rg BT 363.16 694.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 402.95 694.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 428.49 694.10 Td (Division, ) Tj ET Q q 0 0 0 rg BT 468.76 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.30 694.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 510.38 694.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 528.70 694.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 555.34 694.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 88.59 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.97 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 111.35 682.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 142.18 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.46 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.62 682.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 215.22 682.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 234.38 682.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 266.86 682.10 Td (may ) Tj ET Q q 0 0 0 rg BT 286.02 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 297.40 682.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 330.44 682.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 384.03 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 394.30 682.10 Td (an ) Tj ET Q q 0 0 0 rg BT 405.68 682.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 453.73 682.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 484.54 682.10 Td (may ) Tj ET Q q 0 0 0 rg BT 503.70 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 515.08 682.10 Td (established. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.94 670.10 Td (Company) Tj ET Q q 0 0 0 rg BT 109.60 670.10 Td (s ) Tj ET Q q 0 0 0 rg BT 115.89 670.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 164.38 670.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 198.99 670.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 230.26 670.10 Td (an ) Tj ET Q q 0 0 0 rg BT 242.09 670.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 293.36 670.10 Td (re-appraisal ) Tj ET Q q 0 0 0 rg BT 342.94 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.67 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.28 670.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 407.87 670.10 Td (\(unless ) Tj ET Q q 0 0 0 rg BT 438.59 670.10 Td (such ) Tj ET Q q 0 0 0 rg BT 459.31 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 466.14 670.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 511.30 670.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 555.34 670.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.48 658.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 100.96 658.10 Td (due ) Tj ET Q q 0 0 0 rg BT 118.09 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.57 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.49 658.10 Td (unique ) Tj ET Q q 0 0 0 rg BT 173.40 658.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 201.09 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.12 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.03 658.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 269.43 658.10 Td (such ) Tj ET Q q 0 0 0 rg BT 290.46 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 301.49 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 308.63 658.10 Td (closely-held ) Tj ET Q q 0 0 0 rg BT 360.20 658.10 Td (business ) Tj ET Q q 0 0 0 rg BT 396.79 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 407.82 658.10 Td (thinly ) Tj ET Q q 0 0 0 rg BT 433.85 658.10 Td (traded ) Tj ET Q q 0 0 0 rg BT 461.54 658.10 Td (securities\). ) Tj ET Q q 0 0 0 rg BT 507.83 658.10 Td (In ) Tj ET Q q 0 0 0 rg BT 518.86 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.77 658.10 Td (case ) Tj ET Q q 0 0 0 rg BT 553.68 658.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.92 646.10 Td (real ) Tj ET Q q 0 0 0 rg BT 117.64 646.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 143.13 646.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 185.55 646.10 Td (an ) Tj ET Q q 0 0 0 rg BT 197.72 646.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 249.32 646.10 Td (third ) Tj ET Q q 0 0 0 rg BT 270.93 646.10 Td (party ) Tj ET Q q 0 0 0 rg BT 294.20 646.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 333.02 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 342.42 646.10 Td (ordered ) Tj ET Q q 0 0 0 rg BT 375.69 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 388.41 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.36 646.10 Td (Company) Tj ET Q q 0 0 0 rg BT 445.02 646.10 Td (s ) Tj ET Q q 0 0 0 rg BT 451.64 646.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 472.69 646.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 499.85 646.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 536.46 646.10 Td (Group ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.67 634.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 103.54 634.10 Td (if ) Tj ET Q q 0 0 0 rg BT 112.54 634.10 Td (there ) Tj ET Q q 0 0 0 rg BT 135.42 634.10 Td (has ) Tj ET Q q 0 0 0 rg BT 151.64 634.10 Td (been ) Tj ET Q q 0 0 0 rg BT 173.40 634.10 Td (any ) Tj ET Q q 0 0 0 rg BT 190.73 634.10 Td (change ) Tj ET Q q 0 0 0 rg BT 221.94 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.61 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.71 634.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 293.93 634.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 334.02 634.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 360.86 634.10 Td (These ) Tj ET Q q 0 0 0 rg BT 387.62 634.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 439.39 634.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 482.26 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 497.36 634.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 536.90 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 634.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 71.39 622.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 98.89 622.10 Td (Services ) Tj ET Q q 0 0 0 rg BT 135.83 622.10 Td (Group ) Tj ET Q q 0 0 0 rg BT 164.45 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.96 622.10 Td (sometimes ) Tj ET Q q 0 0 0 rg BT 227.80 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 240.86 622.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 292.80 622.10 Td (third ) Tj ET Q q 0 0 0 rg BT 314.76 622.10 Td (party ) Tj ET Q q 0 0 0 rg BT 338.37 622.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 378.65 622.10 Td (experts ) Tj ET Q q 0 0 0 rg BT 410.59 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.10 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 448.38 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 460.88 622.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 497.28 622.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 542.00 622.10 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.26 610.10 Td (conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (Through ) Tj ET Q q 0 0 0 rg BT 87.58 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.94 589.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 128.85 589.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 146.99 589.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 173.45 589.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 209.09 589.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 233.34 589.10 Td (are ) Tj ET Q q 0 0 0 rg BT 248.69 589.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 288.47 589.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.39 589.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 342.52 589.10 Td (if ) Tj ET Q q 0 0 0 rg BT 351.77 589.10 Td (they ) Tj ET Q q 0 0 0 rg BT 372.13 589.10 Td (are ) Tj ET Q q 0 0 0 rg BT 387.48 589.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 435.60 589.10 Td (in ) Tj ET Q q 0 0 0 rg BT 446.52 589.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 494.63 589.10 Td (with ) Tj ET Q q 0 0 0 rg BT 515.55 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.91 589.10 Td (original ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 96.89 577.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 124.08 577.10 Td (If ) Tj ET Q q 0 0 0 rg BT 133.21 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.90 577.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 187.02 577.10 Td (has ) Tj ET Q q 0 0 0 rg BT 202.82 577.10 Td (failed ) Tj ET Q q 0 0 0 rg BT 228.05 577.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.30 577.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 270.77 577.10 Td (with ) Tj ET Q q 0 0 0 rg BT 291.02 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 305.70 577.10 Td (original ) Tj ET Q q 0 0 0 rg BT 339.28 577.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 386.17 577.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 413.35 577.10 Td (further ) Tj ET Q q 0 0 0 rg BT 443.03 577.10 Td (action ) Tj ET Q q 0 0 0 rg BT 469.94 577.10 Td (may ) Tj ET Q q 0 0 0 rg BT 489.62 577.10 Td (be ) Tj ET Q q 0 0 0 rg BT 501.53 577.10 Td (required ) Tj ET Q q 0 0 0 rg BT 537.32 577.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 577.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (Company) Tj ET Q q 0 0 0 rg BT 88.24 565.10 Td (, ) Tj ET Q q 0 0 0 rg BT 93.08 565.10 Td (including ) Tj ET Q q 0 0 0 rg BT 133.20 565.10 Td (a ) Tj ET Q q 0 0 0 rg BT 139.98 565.10 Td (downgrade ) Tj ET Q q 0 0 0 rg BT 186.76 565.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.88 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.44 565.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 236.55 565.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 253.90 565.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 282.07 565.10 Td (movement ) Tj ET Q q 0 0 0 rg BT 326.63 565.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.75 565.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 386.29 565.10 Td (status, ) Tj ET Q q 0 0 0 rg BT 413.91 565.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.69 565.10 Td (char) Tj ET Q q 0 0 0 rg BT 437.72 565.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 458.64 565.10 Td (f ) Tj ET Q q 0 0 0 rg BT 464.31 565.10 Td (or ) Tj ET Q q 0 0 0 rg BT 474.99 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.55 565.10 Td (establishment ) Tj ET Q q 0 0 0 rg BT 546.89 565.10 Td (of ) Tj ET Q q 0 0 0 rg BT 557.56 565.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 83.63 553.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 132.27 553.10 Td (reserve. ) Tj ET Q q 0 0 0 rg BT 166.18 553.10 Td (If ) Tj ET Q q 0 0 0 rg BT 175.38 553.10 Td (we ) Tj ET Q q 0 0 0 rg BT 189.58 553.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 232.09 553.10 Td (that ) Tj ET Q q 0 0 0 rg BT 249.63 553.10 Td (a ) Tj ET Q q 0 0 0 rg BT 256.61 553.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 276.36 553.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 308.90 553.10 Td (or ) Tj ET Q q 0 0 0 rg BT 319.77 553.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 351.19 553.10 Td (thereof ) Tj ET Q q 0 0 0 rg BT 382.05 553.10 Td (is ) Tj ET Q q 0 0 0 rg BT 391.25 553.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 445.44 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.20 553.10 Td (loan) Tj ET Q q 0 0 0 rg BT 480.19 553.10 Td (s ) Tj ET Q q 0 0 0 rg BT 486.62 553.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 511.92 553.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 529.46 553.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 555.33 553.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 102.06 541.10 Td (downgraded ) Tj ET Q q 0 0 0 rg BT 153.55 541.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.40 541.10 Td (an ) Tj ET Q q 0 0 0 rg BT 174.91 541.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 181.98 541.10 Td (or ) Tj ET Q q 0 0 0 rg BT 192.38 541.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 199.45 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.96 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.25 541.10 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 283.96 541.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 316.03 541.10 Td (is ) Tj ET Q q 0 0 0 rg BT 324.77 541.10 Td (char) Tj ET Q q 0 0 0 rg BT 341.80 541.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 367.71 541.10 Td (f. ) Tj ET Q q 0 0 0 rg BT 375.16 541.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 394.45 541.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 413.74 541.10 Td (that ) Tj ET Q q 0 0 0 rg BT 430.80 541.10 Td (has ) Tj ET Q q 0 0 0 rg BT 446.20 541.10 Td (a ) Tj ET Q q 0 0 0 rg BT 452.71 541.10 Td (partial ) Tj ET Q q 0 0 0 rg BT 480.32 541.10 Td (char) Tj ET Q q 0 0 0 rg BT 497.35 541.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 518.27 541.10 Td (f ) Tj ET Q q 0 0 0 rg BT 523.67 541.10 Td (continues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.74 529.10 Td (be ) Tj ET Q q 0 0 0 rg BT 71.14 529.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 107.53 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 113.93 529.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 138.65 529.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 155.61 529.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 180.90 529.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.19 529.10 Td (an ) Tj ET Q q 0 0 0 rg BT 202.59 529.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 209.55 529.10 Td (or ) Tj ET Q q 0 0 0 rg BT 219.84 529.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 226.79 529.10 Td (for ) Tj ET Q q 0 0 0 rg BT 240.41 529.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.59 529.10 Td (duration ) Tj ET Q q 0 0 0 rg BT 289.88 529.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.17 529.10 Td (time ) Tj ET Q q 0 0 0 rg BT 319.90 529.10 Td (that ) Tj ET Q q 0 0 0 rg BT 336.85 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 343.25 529.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 375.74 529.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 409.36 529.10 Td (outstanding. ) Tj ET Q q 0 0 0 rg BT 460.34 529.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.85 529.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 518.69 529.10 Td (undertakes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.74 517.10 Td (thorough ) Tj ET Q q 0 0 0 rg BT 95.15 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.89 517.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 146.97 517.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 181.49 517.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.57 517.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 233.85 517.10 Td (if ) Tj ET Q q 0 0 0 rg BT 242.26 517.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 284.55 517.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 332.95 517.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 360.80 517.10 Td (char) Tj ET Q q 0 0 0 rg BT 377.82 517.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 398.74 517.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 408.26 517.10 Td (are ) Tj ET Q q 0 0 0 rg BT 422.77 517.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 470.61 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.35 517.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.43 517.10 Td (begin ) Tj ET Q q 0 0 0 rg BT 521.94 517.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.68 517.10 Td (workout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 69.72 505.10 Td (for ) Tj ET Q q 0 0 0 rg BT 83.88 505.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.59 505.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 123.86 505.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.14 505.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 174.40 505.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 200.78 505.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (If, ) Tj ET Q q 0 0 0 rg BT 60.97 484.10 Td (based ) Tj ET Q q 0 0 0 rg BT 85.55 484.10 Td (on ) Tj ET Q q 0 0 0 rg BT 97.36 484.10 Td (current ) Tj ET Q q 0 0 0 rg BT 127.48 484.10 Td (information ) Tj ET Q q 0 0 0 rg BT 176.50 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.75 484.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 222.60 484.10 Td (it ) Tj ET Q q 0 0 0 rg BT 229.97 484.10 Td (is ) Tj ET Q q 0 0 0 rg BT 238.45 484.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 275.24 484.10 Td (that ) Tj ET Q q 0 0 0 rg BT 292.05 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.07 484.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 346.77 484.10 Td (will ) Tj ET Q q 0 0 0 rg BT 364.14 484.10 Td (be ) Tj ET Q q 0 0 0 rg BT 375.38 484.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 403.85 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 413.44 484.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 441.89 484.10 Td (all ) Tj ET Q q 0 0 0 rg BT 453.70 484.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 489.39 484.10 Td (due ) Tj ET Q q 0 0 0 rg BT 505.64 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.23 484.10 Td (it ) Tj ET Q q 0 0 0 rg BT 522.60 484.10 Td (according ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.73 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.90 472.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 120.28 472.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 144.45 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.73 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.91 472.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 188.08 472.10 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 234.17 472.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.56 472.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 273.61 472.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 321.67 472.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 352.49 472.10 Td (is ) Tj ET Q q 0 0 0 rg BT 361.11 472.10 Td (established. ) Tj ET Q q 0 0 0 rg BT 410.00 472.10 Td (In ) Tj ET Q q 0 0 0 rg BT 420.29 472.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 470.56 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.73 472.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 532.22 472.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.25 472.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 460.10 Td (f ) Tj ET Q q 0 0 0 rg BT 63.98 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 78.14 460.10 Td (collateral-dependent ) Tj ET Q q 0 0 0 rg BT 162.26 460.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 188.37 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.09 460.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 244.47 460.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 284.74 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.46 460.10 Td (results ) Tj ET Q q 0 0 0 rg BT 328.07 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.90 460.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 381.38 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 395.54 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.26 460.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 453.85 460.10 Td (collateral.) Tj ET Q endstream endobj 241 0 obj <> endobj 242 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (120) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 118.71 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 142.99 742.10 Td (include ) Tj ET Q q 0 0 0 rg BT 175.59 742.10 Td (all ) Tj ET Q q 0 0 0 rg BT 188.76 742.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 239.12 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 263.40 742.10 Td (\(8 ) Tj ET Q q 0 0 0 rg BT 274.90 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.51 742.10 Td (9 ) Tj ET Q q 0 0 0 rg BT 300.69 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 318.86 742.10 Td (ratings\) ) Tj ET Q q 0 0 0 rg BT 352.58 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 364.08 742.10 Td (well ) Tj ET Q q 0 0 0 rg BT 384.47 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 395.97 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 420.25 742.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 433.42 742.10 Td (days ) Tj ET Q q 0 0 0 rg BT 454.92 742.10 Td (past ) Tj ET Q q 0 0 0 rg BT 474.20 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 491.81 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.42 742.10 Td (still ) Tj ET Q q 0 0 0 rg BT 527.60 742.10 Td (accruing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 84.72 730.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 126.94 730.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 145.29 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.52 730.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 196.95 730.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 223.14 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 241.48 730.10 Td (remainder ) Tj ET Q q 0 0 0 rg BT 284.80 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.91 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.92 730.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 348.70 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 358.16 730.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 404.26 730.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 452.03 730.10 Td (under ) Tj ET Q q 0 0 0 rg BT 477.59 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.59 730.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 539.80 730.10 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.02 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.94 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 95.85 718.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 142.49 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 160.73 718.10 Td (following ) Tj ET Q q 0 0 0 rg BT 202.31 718.10 Td (table ) Tj ET Q q 0 0 0 rg BT 224.44 718.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 259.90 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.81 718.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 312.48 718.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 359.06 718.10 Td (based ) Tj ET Q q 0 0 0 rg BT 384.52 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 397.21 718.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 450.43 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.46 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 485.26 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 497.95 718.10 Td (class, ) Tj ET Q q 0 0 0 rg BT 522.59 718.10 Td (excluding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 84.15 706.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 110.25 706.10 Td (per ) Tj ET Q q 0 0 0 rg BT 125.52 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.24 706.10 Td (most ) Tj ET Q q 0 0 0 rg BT 162.19 706.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 189.11 706.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 223.83 706.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.54 706.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 292.13 706.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.13 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 314.63 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.57 706.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.57 706.10 Td (:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 695.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 648.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 648.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 648.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 648.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 648.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 648.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 648.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 648.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 648.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 648.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 648.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 648.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 648.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 622.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 622.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 622.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 622.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 622.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 622.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 622.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 622.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 622.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 622.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 622.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 622.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 622.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 596.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 596.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 596.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 596.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 596.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 596.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 596.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 596.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 596.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 596.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 596.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 596.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 596.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 562.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 562.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 562.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 562.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 562.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 562.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 562.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 562.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 562.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 562.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 562.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 562.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 562.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 536.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 536.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 536.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 536.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 536.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 536.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 536.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 536.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 536.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 536.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 536.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 536.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 536.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 510.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 510.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 510.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 510.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 510.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 510.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 510.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 510.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 510.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 510.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 510.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 510.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 510.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 484.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 484.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 484.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 484.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 484.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 484.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 484.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 484.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 484.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 484.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 484.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 484.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 484.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 458.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 458.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 458.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 458.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 458.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 458.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 458.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 458.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 458.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 458.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 458.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 458.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 458.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 432.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 432.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 432.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 432.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 432.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 432.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 432.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 432.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 432.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 432.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 432.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 432.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 432.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 406.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 406.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 406.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 406.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 406.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 406.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 406.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 406.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 406.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 406.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 406.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 406.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 406.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 380.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 380.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 380.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 380.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 380.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 380.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 380.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 380.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 380.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 380.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 380.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 380.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 380.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 354.80 139.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 354.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 354.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 354.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 354.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 354.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 354.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 354.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 354.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 354.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 354.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 354.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 354.80 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 327.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 327.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 327.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 327.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 327.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 327.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 327.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 301.80 139.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 301.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 301.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 301.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 301.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 301.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 301.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 301.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 301.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 301.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 301.80 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 301.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 301.80 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 274.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 274.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 274.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 274.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 274.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 274.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 274.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 274.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 274.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 274.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 274.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 274.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 274.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 248.80 139.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 248.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 248.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 248.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 248.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 248.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 248.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 248.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 248.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 248.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 248.80 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 248.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 248.80 59.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 222.80 139.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 189.50 222.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 193.50 222.80 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 251.50 222.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 222.80 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 222.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 222.80 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.50 222.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 222.80 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 222.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 222.80 58.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 222.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 222.80 59.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 684.8 m 189.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 684.8 m 193.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 684.8 m 251.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 671.8 m 251.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 684.8 m 255.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 671.8 m 255.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 684.8 m 313.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 671.8 m 313.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 684.8 m 317.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 671.8 m 317.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 684.8 m 375.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 671.8 m 375.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 684.8 m 379.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 671.8 m 379.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 684.8 m 437.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 671.8 m 437.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 684.8 m 441.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 671.8 m 441.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 684.8 m 499.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 671.8 m 499.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 684.8 m 503.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 671.8 m 503.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 684.8 m 562.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 671.8 m 562.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 648.8 m 189.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 648.8 m 193.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 648.8 m 251.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 648.8 m 255.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 648.8 m 313.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 648.8 m 317.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 648.8 m 375.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 648.8 m 379.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 648.8 m 437.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 648.8 m 441.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 648.8 m 499.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 648.8 m 503.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 648.8 m 562.5 648.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 484.79999999999995 m 251.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 471.79999999999995 m 251.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 484.79999999999995 m 255.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 471.79999999999995 m 255.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 484.79999999999995 m 313.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 471.79999999999995 m 313.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 484.79999999999995 m 317.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 471.79999999999995 m 317.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 484.79999999999995 m 375.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 471.79999999999995 m 375.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 484.79999999999995 m 379.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 471.79999999999995 m 379.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 484.79999999999995 m 437.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 471.79999999999995 m 437.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 484.79999999999995 m 441.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 471.79999999999995 m 441.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 484.79999999999995 m 499.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 471.79999999999995 m 499.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 484.79999999999995 m 503.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 471.79999999999995 m 503.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 484.79999999999995 m 562.5 484.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 471.79999999999995 m 562.5 471.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 340.79999999999995 m 251.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 327.79999999999995 m 251.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 340.79999999999995 m 255.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 327.79999999999995 m 255.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 340.79999999999995 m 313.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 327.79999999999995 m 313.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 340.79999999999995 m 317.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 327.79999999999995 m 317.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 340.79999999999995 m 375.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 327.79999999999995 m 375.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 340.79999999999995 m 379.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 327.79999999999995 m 379.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 340.79999999999995 m 437.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 327.79999999999995 m 437.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 340.79999999999995 m 441.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 327.79999999999995 m 441.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 340.79999999999995 m 499.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 327.79999999999995 m 499.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 340.79999999999995 m 503.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 327.79999999999995 m 503.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 340.79999999999995 m 562.5 340.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 327.79999999999995 m 562.5 327.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 201.79999999999995 m 189.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 189.5 201.79999999999995 m 193.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 222.79999999999995 m 251.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 193.5 201.79999999999995 m 251.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 222.79999999999995 m 255.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 201.79999999999995 m 255.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 222.79999999999995 m 313.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 201.79999999999995 m 313.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 222.79999999999995 m 317.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 201.79999999999995 m 317.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 222.79999999999995 m 375.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 201.79999999999995 m 375.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 222.79999999999995 m 379.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375.5 201.79999999999995 m 379.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 222.79999999999995 m 437.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 201.79999999999995 m 437.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 222.79999999999995 m 441.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 437.5 201.79999999999995 m 441.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 222.79999999999995 m 499.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 201.79999999999995 m 499.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 222.79999999999995 m 503.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 201.79999999999995 m 503.5 201.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 222.79999999999995 m 562.5 222.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 201.79999999999995 m 562.5 201.79999999999995 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 676.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.20 676.03 Td (Performing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 349.00 676.03 Td (Non-performing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 492.75 676.03 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 198.75 663.93 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.55 663.80 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 322.75 663.93 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.55 663.80 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.75 663.93 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.05 663.80 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 653.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 214.00 653.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.00 653.05 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.00 653.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.00 653.05 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 462.00 653.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 524.50 653.05 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 640.88 Td (Loan Balances:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 627.75 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 614.75 Td (Commercial and industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 196.00 614.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.25 614.03 Td (2,838,932) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.00 614.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.25 614.05 Td (2,204,874) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.00 614.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 614.03 Td (12,422) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.00 614.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 614.05 Td (9,606) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.00 614.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 614.03 Td (2,851,354) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.00 614.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 614.05 Td (2,214,480) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 601.75 Td (Franchise) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 601.03 Td (245,228) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 601.05 Td (252,200) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 601.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 601.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 601.03 Td (245,228) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 601.05 Td (252,200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 588.75 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 588.03 Td (222,806) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 588.05 Td (139,003) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 588.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 588.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 588.03 Td (222,806) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 588.05 Td (139,003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 575.75 Td (Community Advantagehomeowners) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 567.75 Td (association) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 567.03 Td (130,986) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 567.05 Td (106,364) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 567.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 567.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 567.03 Td (130,986) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 567.05 Td (106,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 554.75 Td (Aircraft) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.30 554.03 Td (5,039) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.30 554.05 Td (8,065) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.30 554.03 Td (288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 554.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.30 554.03 Td (5,327) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 554.05 Td (8,065) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 541.75 Td (Asset-based lending) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 541.03 Td (742,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 541.05 Td (806,377) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 368.30 541.03 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 541.05 Td (25) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 541.03 Td (742,684) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 541.05 Td (806,402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 528.75 Td (Tax exempt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 528.03 Td (267,273) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 528.05 Td (217,487) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 528.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 528.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 528.03 Td (267,273) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 528.05 Td (217,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 515.75 Td (Leases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 515.03 Td (225,539) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 515.05 Td (160,136) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.30 515.03 Td (535) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 515.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 515.03 Td (226,074) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 515.05 Td (160,136) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 502.75 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.30 502.03 Td (3,588) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 288.30 502.05 Td (11,034) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 502.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 502.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.30 502.03 Td (3,588) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 502.05 Td (11,034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 489.75 Td (PCI - commercial ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 117.87 493.38 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 226.30 489.03 Td (18,589) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.30 489.05 Td (9,223) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 489.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 489.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.30 489.03 Td (18,589) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 489.05 Td (9,223) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 476.75 Td (Total commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 196.00 476.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.25 476.03 Td (4,700,656) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.00 476.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.25 476.05 Td (3,914,763) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.00 476.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 476.03 Td (13,253) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.00 476.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 476.05 Td (9,631) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.00 476.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 476.03 Td (4,713,909) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.00 476.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 476.05 Td (3,924,394) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 463.75 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 450.75 Td (Residential construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 196.00 450.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 226.30 450.03 Td (70,108) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.00 450.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 288.30 450.05 Td (38,696) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.00 450.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.30 450.03 Td (273) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.00 450.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 450.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.00 450.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.30 450.03 Td (70,381) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.00 450.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 450.05 Td (38,696) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 437.75 Td (Commercial construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 437.03 Td (288,246) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 437.05 Td (187,536) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 437.03 Td (33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 437.05 Td (230) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 437.03 Td (288,279) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 437.05 Td (187,766) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 424.75 Td (Land) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 226.30 424.03 Td (76,666) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 288.30 424.05 Td (89,174) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 424.03 Td (1,751) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 424.05 Td (2,656) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 474.30 424.03 Td (78,417) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 424.05 Td (91,830) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 411.75 Td (Office) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 411.03 Td (858,382) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 411.05 Td (698,144) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 411.03 Td (4,619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 411.05 Td (7,288) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 411.03 Td (863,001) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 411.05 Td (705,432) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 398.75 Td (Industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 398.03 Td (718,084) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 398.05 Td (621,578) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 398.03 Td (9,564) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 398.05 Td (2,392) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 398.03 Td (727,648) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 398.05 Td (623,970) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 385.75 Td (Retail) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 385.03 Td (866,639) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 385.05 Td (727,336) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 385.03 Td (1,760) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 385.05 Td (4,152) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 385.03 Td (868,399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 385.05 Td (731,488) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 372.75 Td (Multi-family) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 372.03 Td (740,395) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 372.05 Td (605,493) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 372.03 Td (1,954) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 372.05 Td (249) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 372.03 Td (742,349) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 372.05 Td (605,742) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 359.75 Td (Mixed use and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.25 359.03 Td (1,726,125) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.25 359.05 Td (1,455,479) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 359.03 Td (6,691) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 359.05 Td (9,638) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 359.03 Td (1,732,816) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 359.05 Td (1,465,117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 346.75 Td (PCI - commercial real estate ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 152.07 350.38 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 345.03 Td (157,999) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 288.30 345.05 Td (55,712) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 345.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 345.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 345.03 Td (157,999) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 345.05 Td (55,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 332.75 Td (Total commercial real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 196.00 332.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.25 332.03 Td (5,502,644) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.00 332.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.25 332.05 Td (4,479,148) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.00 332.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 332.03 Td (26,645) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.00 332.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 332.05 Td (26,605) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.00 332.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 332.03 Td (5,529,289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.00 332.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 332.05 Td (4,505,753) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 319.75 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 319.03 Td (777,827) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 319.05 Td (710,119) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.30 319.03 Td (6,848) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 416.30 319.05 Td (6,174) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 319.03 Td (784,675) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 319.05 Td (716,293) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 306.75 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 306.03 Td (591,942) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 306.05 Td (465,806) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 306.03 Td (12,043) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 306.05 Td (15,502) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 306.03 Td (603,985) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 306.05 Td (481,308) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 292.05 Td (PCI - residential real estate) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 141.63 295.68 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.30 292.03 Td (3,466) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.30 292.05 Td (2,234) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 292.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 292.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.30 292.03 Td (3,466) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 292.05 Td (2,234) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 279.75 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 266.75 Td (Commercial insurance loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.25 266.03 Td (2,350,066) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.25 266.05 Td (2,330,463) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 266.03 Td (24,855) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 266.05 Td (20,370) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 266.03 Td (2,374,921) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 266.05 Td (2,350,833) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 253.75 Td (Life insurance loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 216.25 253.03 Td (2,593,204) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.25 253.05 Td (1,884,092) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 253.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 253.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 253.03 Td (2,593,204) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 253.05 Td (1,884,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 240.75 Td (PCI - life insurance loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 142.31 244.38 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 240.03 Td (368,292) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 240.05 Td (393,479) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 240.03 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.30 240.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 240.03 Td (368,292) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 240.05 Td (393,479) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 227.75 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 222.25 227.03 Td (145,963) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.25 227.05 Td (150,617) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.30 227.03 Td (413) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.30 227.05 Td (395) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 227.03 Td (146,376) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 227.05 Td (151,012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 214.75 Td (Total loans, net of unearned) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 206.75 Td (income, excluding covered loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 196.00 206.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 212.25 206.03 Td (17,034,060) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.00 206.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.25 206.05 Td (14,330,721) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.00 206.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 206.03 Td (84,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 382.00 206.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 206.05 Td (78,677) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.00 206.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.25 206.03 Td (17,118,117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.00 206.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 206.05 Td (14,409,398) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.20 190.30 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 190.30 Td (PCI ) Tj ET Q q 0 0 0 rg BT 90.13 190.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 115.62 190.30 Td (r) Tj ET Q q 0 0 0 rg BT 119.14 190.30 Td (epr) Tj ET Q q 0 0 0 rg BT 132.10 190.30 Td (esent ) Tj ET Q q 0 0 0 rg BT 156.47 190.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 181.96 190.30 Td (acquir) Tj ET Q q 0 0 0 rg BT 207.69 190.30 Td (ed ) Tj ET Q q 0 0 0 rg BT 220.95 190.30 Td (with ) Tj ET Q q 0 0 0 rg BT 242.00 190.30 Td (evidence ) Tj ET Q q 0 0 0 rg BT 280.79 190.30 Td (of ) Tj ET Q q 0 0 0 rg BT 292.39 190.30 Td (cr) Tj ET Q q 0 0 0 rg BT 300.35 190.30 Td (edit ) Tj ET Q q 0 0 0 rg BT 319.16 190.30 Td (quality ) Tj ET Q q 0 0 0 rg BT 350.76 190.30 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 407.35 190.30 Td (since ) Tj ET Q q 0 0 0 rg BT 431.72 190.30 Td (origination, ) Tj ET Q q 0 0 0 rg BT 483.04 190.30 Td (in ) Tj ET Q q 0 0 0 rg BT 494.64 190.30 Td (accor) Tj ET Q q 0 0 0 rg BT 517.04 190.30 Td (dance ) Tj ET Q q 0 0 0 rg BT 544.74 190.30 Td (with ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 178.30 Td (ASC310-30. ) Tj ET Q q 0 0 0 rg BT 123.81 178.30 Td (See ) Tj ET Q q 0 0 0 rg BT 140.19 178.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 161.57 178.30 Td (4 ) Tj ET Q q 0 0 0 rg BT 169.07 178.30 Td (- ) Tj ET Q q 0 0 0 rg BT 174.90 178.30 Td (Loans ) Tj ET Q q 0 0 0 rg BT 201.86 178.30 Td (for ) Tj ET Q q 0 0 0 rg BT 216.03 178.30 Td (further ) Tj ET Q q 0 0 0 rg BT 246.30 178.30 Td (discussion ) Tj ET Q q 0 0 0 rg BT 290.47 178.30 Td (of ) Tj ET Q q 0 0 0 rg BT 300.75 178.30 Td (these ) Tj ET Q q 0 0 0 rg BT 323.80 178.30 Td (pur) Tj ET Q q 0 0 0 rg BT 337.32 178.30 Td (chased ) Tj ET Q q 0 0 0 rg BT 367.59 178.30 Td (loans.) Tj ET Q endstream endobj 243 0 obj <> endobj 244 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (121) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 60.11 742.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 100.77 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.54 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.20 742.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 161.63 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 172.85 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.51 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 232.48 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 247.58 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 273.79 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 301.12 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 314.56 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 335.22 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 373.66 742.10 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 419.86 742.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 454.95 742.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 482.83 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 497.93 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.59 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 538.13 742.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.08 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.02 730.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.02 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.52 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 179.69 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 190.52 730.10 Td (follows:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 719.30 Td () Tj ET Q 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0.9333333333333333 1 rg /GS0 gs 263.50 517.80 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 517.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 517.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 517.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 517.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 517.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 517.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 517.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 517.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 517.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 517.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 491.80 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 491.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 491.80 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 491.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 491.80 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 491.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 491.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 491.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 491.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 491.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 491.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 491.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 491.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 491.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 491.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 465.80 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 465.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 465.80 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 465.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 465.80 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 465.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 465.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 465.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 465.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 465.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 465.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 465.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 465.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 465.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 465.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 439.80 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 439.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 439.80 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 439.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 439.80 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 439.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 439.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 439.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 439.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 439.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 439.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 439.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 439.80 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 439.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 439.80 46.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 708.8 m 206.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 671.8 m 206.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 708.8 m 210.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 671.8 m 210.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 708.8 m 259.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 671.8 m 259.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 708.8 m 263.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 671.8 m 263.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 708.8 m 312.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 671.8 m 312.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 708.8 m 316.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 671.8 m 316.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 708.8 m 362.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 671.8 m 362.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 708.8 m 366.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 671.8 m 366.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 708.8 m 412.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 671.8 m 412.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 708.8 m 416.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 671.8 m 416.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 708.8 m 462.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 671.8 m 462.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 708.8 m 466.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 671.8 m 466.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 708.8 m 512.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 671.8 m 512.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 708.8 m 516.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 671.8 m 516.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 708.8 m 562.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 671.8 m 562.5 671.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 564.8 m 259.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 564.8 m 263.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 564.8 m 312.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 564.8 m 316.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 564.8 m 362.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 564.8 m 366.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 564.8 m 412.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 564.8 m 416.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 564.8 m 462.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 564.8 m 466.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 564.8 m 512.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 564.8 m 516.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 564.8 m 562.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 564.8 m 259.5 564.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 530.8 m 259.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 517.8 m 259.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 530.8 m 263.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 517.8 m 263.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 530.8 m 312.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 517.8 m 312.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 530.8 m 316.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 517.8 m 316.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 530.8 m 362.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 517.8 m 362.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 530.8 m 366.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 517.8 m 366.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 530.8 m 412.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 517.8 m 412.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 530.8 m 416.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 517.8 m 416.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 530.8 m 462.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 517.8 m 462.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 530.8 m 466.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 517.8 m 466.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 530.8 m 512.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 517.8 m 512.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 530.8 m 516.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 517.8 m 516.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 530.8 m 562.5 530.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 517.8 m 562.5 517.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 426.8 m 206.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 426.8 m 210.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 426.8 m 259.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 426.8 m 263.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 426.8 m 312.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 426.8 m 316.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 426.8 m 362.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 426.8 m 366.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 426.8 m 412.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 426.8 m 416.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 426.8 m 462.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 426.8 m 466.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 426.8 m 512.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 426.8 m 516.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 426.8 m 562.5 426.8 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 692.18 Td (Y) Tj ET Q q 0 0 0 rg BT 57.89 692.18 Td (ear) Tj ET Q q 0 0 0 rg BT 68.85 692.18 Td (Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 684.18 Td (December) Tj ET Q q 0 0 0 rg BT 87.50 684.18 Td (31,2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 676.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 213.45 676.03 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.45 684.03 Td (Commer) Tj ET Q q 0 0 0 rg BT 296.51 684.03 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.05 676.03 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.75 684.03 Td (Home) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.40 676.03 Td (Equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.85 684.03 Td (Residential) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.55 676.03 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.05 692.03 Td (Pr) Tj ET Q q 0 0 0 rg BT 431.34 692.03 Td (emium) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.40 684.03 Td (Finance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.55 676.03 Td (Receivable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.25 684.03 Td (Consumer) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.40 676.03 Td (and Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.25 700.03 Td (T) Tj ET Q q 0 0 0 rg BT 533.85 700.03 Td (otal,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.65 692.03 Td (Excluding) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.60 684.03 Td (Cover) Tj ET Q q 0 0 0 rg BT 545.33 684.03 Td (ed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.55 676.03 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 663.88 Td (Allowance for credit losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 650.75 Td (Allowance for loan losses at beginning of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 642.75 Td (period) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 213.00 642.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 234.25 642.03 Td (31,699) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 642.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 642.03 Td (35,533) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 319.00 642.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.25 642.03 Td (12,500) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.00 642.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.25 642.03 Td (4,218) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.00 642.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.25 642.03 Td (6,513) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.00 642.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.25 642.03 Td (1,242) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.00 642.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.25 642.03 Td (91,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 629.75 Td (Other adjustments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.60 629.03 Td (\(51) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.30 629.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.60 629.03 Td (\(419) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 309.30 629.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 351.30 629.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 394.60 629.03 Td (\(125) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 409.30 629.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.60 629.03 Td (\(142) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 459.30 629.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.30 629.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 544.60 629.03 Td (\(737) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 559.30 629.03 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 616.75 Td (Reclassification to/from allowance for) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 608.75 Td (unfunded lending-related commitments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.30 608.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 294.60 608.03 Td (\(138) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 309.30 608.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 351.30 608.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 401.30 608.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.30 608.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.30 608.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 544.60 608.03 Td (\(138) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 559.30 608.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 595.88 Td (Charge-offs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 235.60 595.03 Td (\(4,253) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 256.30 595.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.60 595.03 Td (\(6,543) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 309.30 595.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.60 595.03 Td (\(4,227) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 359.30 595.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 388.60 595.03 Td (\(2,903) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 409.30 595.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.60 595.03 Td (\(7,060) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 459.30 595.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 494.60 595.03 Td (\(521) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 509.30 595.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 534.60 595.03 Td (\(25,507) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 559.30 595.03 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 582.88 Td (Recoveries) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 238.25 582.03 Td (1,432) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 582.03 Td (2,840) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.30 582.03 Td (312) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.30 582.03 Td (283) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.25 582.03 Td (1,304) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.30 582.03 Td (159) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 541.25 582.03 Td (6,330) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 569.88 Td (Provision for credit losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 238.25 569.03 Td (7,308) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 569.03 Td (12,485) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 341.25 569.03 Td (3,427) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.25 569.03 Td (3,261) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.25 569.03 Td (6,618) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.30 569.03 Td (648) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.25 569.03 Td (33,747) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 556.88 Td (Allowance for loan losses at period end) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 213.00 556.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 234.25 556.03 Td (36,135) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 556.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 556.03 Td (43,758) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 319.00 556.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.25 556.03 Td (12,012) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.00 556.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.25 556.03 Td (4,734) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.00 556.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.25 556.03 Td (7,233) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.00 556.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.25 556.03 Td (1,528) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.00 556.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 556.03 Td (105,400) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 543.88 Td (Allowance for unfunded lending-related) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 535.88 Td (commitments at period end) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.30 535.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.30 535.03 Td (949) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 351.30 535.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 401.30 535.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.30 535.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.30 535.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 535.03 Td (949) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 522.88 Td (Allowance for credit losses at period end) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 213.00 522.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 234.25 522.03 Td (36,135) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 522.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 522.03 Td (44,707) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 319.00 522.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.25 522.03 Td (12,012) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.00 522.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.25 522.03 Td (4,734) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.00 522.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.25 522.03 Td (7,233) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.00 522.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.25 522.03 Td (1,528) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.00 522.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 522.03 Td (106,349) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 509.75 Td (Individually evaluated for impairment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 238.25 509.03 Td (2,026) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 509.03 Td (3,733) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.30 509.03 Td (333) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.30 509.03 Td (316) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.30 509.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.30 509.03 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 541.25 509.03 Td (6,418) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 496.75 Td (Collectively evaluated for impairment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 234.25 496.03 Td (34,025) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 496.03 Td (40,625) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.25 496.03 Td (11,679) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.25 496.03 Td (4,416) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.25 496.03 Td (7,233) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.25 496.03 Td (1,518) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.25 496.03 Td (99,496) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 483.75 Td (Loans acquired with deteriorated credit quality) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.30 483.03 Td (84) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.30 483.03 Td (349) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 351.30 483.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 405.30 483.03 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.30 483.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.30 483.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 483.03 Td (435) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 470.88 Td (Loans at period end) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 457.75 Td (Individually evaluated for impairment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 213.00 457.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 234.25 457.03 Td (18,789) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 457.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 457.03 Td (59,871) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 319.00 457.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 341.25 457.03 Td (6,847) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.00 457.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.25 457.03 Td (16,522) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.00 457.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.30 457.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.00 457.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.30 457.03 Td (392) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 519.00 457.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 457.03 Td (102,421) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 444.75 Td (Collectively evaluated for impairment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.25 444.03 Td (4,676,531) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.25 444.03 Td (5,311,419) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.25 444.03 Td (777,828) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.25 444.03 Td (587,463) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.25 444.03 Td (4,968,125) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.25 444.03 Td (144,640) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.25 444.03 Td (16,466,006) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 431.75 Td (Loans acquired with deteriorated credit quality) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 234.25 431.03 Td (18,589) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.25 431.03 Td (157,999) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 351.30 431.03 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.25 431.03 Td (3,466) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.25 431.03 Td (368,292) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.25 431.03 Td (1,344) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 431.03 Td (549,690) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 416.50 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 369.00 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 369.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 369.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 369.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 369.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 369.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 369.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 369.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 369.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 369.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 369.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 369.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 369.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 369.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 369.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 335.00 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 335.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 335.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 335.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 335.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 335.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 335.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 335.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 335.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 335.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 335.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 335.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 335.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 335.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 335.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 301.00 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 301.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 301.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 301.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 301.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 301.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 301.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 301.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 301.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 301.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 301.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 301.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 301.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 301.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 301.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 275.00 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 275.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 275.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 275.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 275.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 275.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 275.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 275.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 275.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 275.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 275.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 275.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 275.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 275.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 275.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 249.00 156.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 249.00 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 249.00 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 249.00 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 249.00 49.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 249.00 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 249.00 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 249.00 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 249.00 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 249.00 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 249.00 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 249.00 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 249.00 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 249.00 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 249.00 46.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 215.00 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 215.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 215.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 215.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 215.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 215.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 215.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 215.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 215.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 215.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 215.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 215.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 215.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 215.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 215.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 189.00 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 189.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 189.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 189.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 189.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 189.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 189.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 189.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 189.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 189.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 189.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 189.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 189.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 189.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 189.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 163.00 156.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 163.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 210.50 163.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 163.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 163.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 163.00 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 137.00 49.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 312.50 137.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 137.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 137.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 137.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 137.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 137.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 137.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 137.00 46.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 137.00 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 137.00 46.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 406 m 206.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 406 m 210.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 406 m 259.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 406 m 263.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 406 m 312.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 406 m 316.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 406 m 362.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 406 m 366.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 406 m 412.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 406 m 416.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 406 m 462.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 406 m 466.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 406 m 512.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 406 m 516.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 406 m 562.5 406 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 369 m 206.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 369 m 210.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 369 m 259.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 369 m 263.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 369 m 312.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 369 m 316.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 369 m 362.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 369 m 366.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 369 m 412.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 369 m 416.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 369 m 462.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 369 m 466.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 369 m 512.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 369 m 516.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 369 m 562.5 369 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 262 m 259.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 262 m 263.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 262 m 312.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 262 m 316.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 262 m 362.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 262 m 366.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 262 m 412.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 262 m 416.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 262 m 462.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 262 m 466.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 262 m 512.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 262 m 516.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 262 m 562.5 262 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 228 m 259.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 215 m 259.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 228 m 263.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 215 m 263.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 228 m 312.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 215 m 312.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 228 m 316.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 215 m 316.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 228 m 362.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 215 m 362.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 228 m 366.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 215 m 366.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 228 m 412.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 215 m 412.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 228 m 416.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 215 m 416.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 228 m 462.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 215 m 462.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 228 m 466.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 215 m 466.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 228 m 512.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 215 m 512.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 228 m 516.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 215 m 516.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 228 m 562.5 228 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 215 m 562.5 215 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 124 m 206.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 206.5 124 m 210.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 210.5 124 m 259.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 124 m 263.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 124 m 312.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 312.5 124 m 316.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 316.5 124 m 362.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 124 m 366.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 124 m 412.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 124 m 416.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 124 m 462.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 124 m 466.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 124 m 512.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 124 m 516.5 124 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 124 m 562.5 124 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 389.25 Td (Y) Tj ET Q q 0 0 0 rg BT 57.98 389.25 Td (earEnded) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 381.25 Td (December31,2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 373.25 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 213.45 373.23 Td (Commercial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.45 381.23 Td (Commer) Tj ET Q q 0 0 0 rg BT 296.51 381.23 Td (cial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.05 373.23 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.75 381.23 Td (Home) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.40 373.23 Td (Equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.85 381.23 Td (Residential) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.55 373.23 Td (Real Estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.05 389.23 Td (Pr) Tj ET Q q 0 0 0 rg BT 431.34 389.23 Td (emium) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.40 381.23 Td (Finance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 420.55 373.23 Td (Receivable) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.25 381.23 Td (Consumer) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.40 373.23 Td (and Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.25 397.23 Td (T) Tj ET Q q 0 0 0 rg BT 533.85 397.23 Td (otal,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.65 389.23 Td (Excluding) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.60 381.23 Td (Cover) Tj ET Q q 0 0 0 rg BT 545.33 381.23 Td (ed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.55 373.23 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 361.08 Td (Allowance for credit losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 347.95 Td (Allowance for loan losses at beginning of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 339.95 Td (period) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 339.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.25 339.25 Td (23,092) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 339.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 339.25 Td (48,658) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.00 339.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.25 339.25 Td (12,611) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.00 339.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 339.25 Td (5,108) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.00 339.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.25 339.25 Td (5,583) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.00 339.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.25 339.25 Td (1,870) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.00 339.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 339.25 Td (96,922) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 326.95 Td (Other adjustments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.60 326.25 Td (\(83) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 326.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.60 326.25 Td (\(665) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.30 326.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.60 326.25 Td (\(3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.30 326.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.60 326.25 Td (\(9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 326.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.60 326.25 Td (\(64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 326.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 326.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.60 326.25 Td (\(824) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 326.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 313.95 Td (Reclassification to/from allowance for) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 305.95 Td (unfunded lending-related commitments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.30 305.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.60 305.25 Td (\(56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.30 305.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.30 305.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 305.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 305.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 305.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 548.60 305.25 Td (\(56) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 305.25 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 293.08 Td (Charge-offs) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.60 292.25 Td (\(4,153) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.30 292.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.60 292.25 Td (\(15,788) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.30 292.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.60 292.25 Td (\(3,895) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.30 292.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.60 292.25 Td (\(1,750) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 292.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.60 292.25 Td (\(5,726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 292.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.60 292.25 Td (\(792) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 292.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 292.25 Td (\(32,104) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 292.25 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 280.08 Td (Recoveries) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 238.25 279.25 Td (1,198) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.25 279.25 Td (1,334) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.30 279.25 Td (535) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 279.25 Td (335) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.25 279.25 Td (1,150) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 279.25 Td (326) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 279.25 Td (4,878) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 267.08 Td (Provision for credit losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.25 266.25 Td (11,645) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.25 266.25 Td (2,050) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.25 266.25 Td (3,252) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 266.25 Td (534) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.25 266.25 Td (5,570) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.60 266.25 Td (\(162) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 266.25 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 266.25 Td (22,889) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 254.08 Td (Allowance for loan losses at period end) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 253.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.25 253.25 Td (31,699) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 253.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 253.25 Td (35,533) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.00 253.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.25 253.25 Td (12,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.00 253.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 253.25 Td (4,218) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.00 253.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.25 253.25 Td (6,513) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.00 253.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.25 253.25 Td (1,242) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.00 253.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 253.25 Td (91,705) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 241.08 Td (Allowance for unfunded lending-related) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 233.08 Td (commitments at period end) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.30 232.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.30 232.25 Td (775) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.30 232.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 232.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 232.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 232.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 232.25 Td (775) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 220.08 Td (Allowance for credit losses at period end) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 219.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.25 219.25 Td (31,699) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 219.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 219.25 Td (36,308) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.00 219.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.25 219.25 Td (12,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.00 219.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 219.25 Td (4,218) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.00 219.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.25 219.25 Td (6,513) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.00 219.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.25 219.25 Td (1,242) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.00 219.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 219.25 Td (92,480) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 206.95 Td (Individually evaluated for impairment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 238.25 206.25 Td (1,936) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.25 206.25 Td (3,260) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.30 206.25 Td (475) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 206.25 Td (632) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 206.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 206.25 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 206.25 Td (6,329) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 193.95 Td (Collectively evaluated for impairment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.25 193.25 Td (29,763) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 193.25 Td (32,960) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.25 193.25 Td (12,025) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 193.25 Td (3,482) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.25 193.25 Td (6,513) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.25 193.25 Td (1,197) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 193.25 Td (85,940) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 180.95 Td (Loans acquired with deteriorated credit quality) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.30 180.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.30 180.25 Td (88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.30 180.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 180.25 Td (104) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 180.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 180.25 Td (19) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 180.25 Td (211) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 168.08 Td (Loans at period end) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 154.95 Td (Individually evaluated for impairment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 154.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 234.25 154.25 Td (16,326) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 154.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 154.25 Td (87,225) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.00 154.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.25 154.25 Td (6,399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.00 154.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.25 154.25 Td (18,365) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.00 154.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 154.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.00 154.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 154.25 Td (372) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.00 154.25 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 154.25 Td (128,687) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 141.95 Td (Collectively evaluated for impairment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.25 141.25 Td (3,898,845) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.25 141.25 Td (4,362,816) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 333.25 141.25 Td (709,894) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.25 141.25 Td (462,943) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.25 141.25 Td (4,234,925) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 141.25 Td (150,640) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 141.25 Td (13,820,063) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 128.95 Td (Loans acquired with deteriorated credit quality) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 238.25 128.25 Td (9,223) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 128.25 Td (55,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 351.30 128.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 128.25 Td (2,234) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.25 128.25 Td (393,479) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.30 128.25 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 128.25 Td (460,648) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 245 0 obj <> endobj 246 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (122) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.17 742.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 98.89 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.72 742.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 142.21 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 152.49 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.20 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 210.23 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 224.39 742.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 258.54 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 278.26 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 304.65 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 318.81 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.53 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 357.12 742.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.50 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 442.08 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.08 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 464.58 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.52 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.52 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 504.02 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 513.19 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 524.02 742.10 Td (follows:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 731.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 681.80 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 681.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 681.80 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 681.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 681.80 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 653.80 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 653.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 653.80 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 653.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 653.80 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 625.80 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 625.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 625.80 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 625.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 625.80 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 597.80 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 597.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 597.80 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 597.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 597.80 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 569.80 341.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.50 569.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 569.80 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 569.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 569.80 82.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 720.8 m 391.5 720.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 720.8 m 395.5 720.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 720.8 m 476.5 720.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 707.8 m 476.5 707.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 720.8 m 480.5 720.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 707.8 m 480.5 707.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 720.8 m 562.5 720.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 707.8 m 562.5 707.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 681.8 m 391.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 681.8 m 395.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 681.8 m 476.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 681.8 m 480.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 681.8 m 562.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 681.8 m 562.5 681.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 639.8 m 476.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 639.8 m 480.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 639.8 m 562.5 639.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 583.8 m 476.5 583.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 583.8 m 480.5 583.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 583.8 m 562.5 583.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 555.8 m 391.5 555.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391.5 555.8 m 395.5 555.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 569.8 m 476.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 555.8 m 476.5 555.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 569.8 m 480.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 555.8 m 480.5 555.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 569.8 m 562.5 569.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 555.8 m 562.5 555.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 712.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 456.80 712.03 Td (Years Ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 699.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 412.25 699.03 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.55 699.05 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 686.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.50 686.03 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 686.05 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 673.06 Td (Balance at beginning of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 672.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 672.25 Td (2,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 672.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 672.26 Td (10,092) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 659.06 Td (Provision for covered loan losses before benefit attributable to FDIC loss share agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 658.25 Td (\(5,350) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 658.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 658.26 Td (\(11,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 658.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 645.06 Td (Benefit attributable to FDIC loss share agreements) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 644.25 Td (4,545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 644.26 Td (9,410) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 631.06 Td (Net provision for covered loan losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 630.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 630.25 Td (\(805) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 630.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 630.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 630.26 Td (\(2,352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 630.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 617.06 Td (\(Decrease\) increase in FDIC indemnification asset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.75 616.25 Td (\(4,545) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 616.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 616.26 Td (\(9,410) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 616.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 603.06 Td (Loans charged-off) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.50 602.25 Td (\(827) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 473.00 602.25 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 602.26 Td (\(5,521) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 602.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 589.06 Td (Recoveries of loans charged-off) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 588.25 Td (7,072) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 588.26 Td (9,322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 575.06 Td (Net recoveries \(charge-offs\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 574.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 574.25 Td (6,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 574.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 574.26 Td (3,801) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 561.06 Td (Balance at end of period) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.00 560.25 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 452.75 560.25 Td (3,026) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 560.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 560.26 Td (2,131) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.30 Td (In ) Tj ET Q q 0 0 0 rg BT 62.04 535.30 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 112.97 535.30 Td (with ) Tj ET Q q 0 0 0 rg BT 134.46 535.30 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 195.39 535.30 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 249.37 535.30 Td (the ) Tj ET Q q 0 0 0 rg BT 265.30 535.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 307.90 535.30 Td (entered ) Tj ET Q q 0 0 0 rg BT 341.03 535.30 Td (into ) Tj ET Q q 0 0 0 rg BT 360.30 535.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 379.58 535.30 Td (share ) Tj ET Q q 0 0 0 rg BT 404.39 535.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 453.63 535.30 Td (with ) Tj ET Q q 0 0 0 rg BT 475.12 535.30 Td (the ) Tj ET Q q 0 0 0 rg BT 491.05 535.30 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 519.23 535.30 Td (Additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 87.59 523.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 116.04 523.30 Td (to ) Tj ET Q q 0 0 0 rg BT 125.88 523.30 Td (the ) Tj ET Q q 0 0 0 rg BT 140.16 523.30 Td (extent ) Tj ET Q q 0 0 0 rg BT 166.66 523.30 Td (such ) Tj ET Q q 0 0 0 rg BT 187.05 523.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 224.64 523.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 250.59 523.30 Td (result ) Tj ET Q q 0 0 0 rg BT 274.87 523.30 Td (in ) Tj ET Q q 0 0 0 rg BT 284.71 523.30 Td (the ) Tj ET Q q 0 0 0 rg BT 298.98 523.30 Td (recognition ) Tj ET Q q 0 0 0 rg BT 346.59 523.30 Td (of ) Tj ET Q q 0 0 0 rg BT 356.98 523.30 Td (an ) Tj ET Q q 0 0 0 rg BT 368.48 523.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 411.07 523.30 Td (for ) Tj ET Q q 0 0 0 rg BT 424.79 523.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 444.07 523.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 472.52 523.30 Td (will ) Tj ET Q q 0 0 0 rg BT 490.14 523.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 524.95 523.30 Td (the ) Tj ET Q q 0 0 0 rg BT 539.23 523.30 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 66.83 511.30 Td (share ) Tj ET Q q 0 0 0 rg BT 89.20 511.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 109.91 511.30 Td (or ) Tj ET Q q 0 0 0 rg BT 119.51 511.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 147.42 511.30 Td (any ) Tj ET Q q 0 0 0 rg BT 163.13 511.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 187.18 511.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 204.01 511.30 Td (share ) Tj ET Q q 0 0 0 rg BT 226.38 511.30 Td (liability) Tj ET Q q 0 0 0 rg BT 256.84 511.30 Td (. ) Tj ET Q q 0 0 0 rg BT 260.52 511.30 Td (The ) Tj ET Q q 0 0 0 rg BT 277.33 511.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 319.14 511.30 Td (for ) Tj ET Q q 0 0 0 rg BT 332.07 511.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 350.55 511.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 375.71 511.30 Td (for ) Tj ET Q q 0 0 0 rg BT 388.64 511.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 411.02 511.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 446.71 511.30 Td (in ) Tj ET Q q 0 0 0 rg BT 455.76 511.30 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 514.25 511.30 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.30 Td (is ) Tj ET Q q 0 0 0 rg BT 60.66 499.30 Td (determined ) Tj ET Q q 0 0 0 rg BT 109.63 499.30 Td (without ) Tj ET Q q 0 0 0 rg BT 144.17 499.30 Td (giving ) Tj ET Q q 0 0 0 rg BT 173.71 499.30 Td (consideration ) Tj ET Q q 0 0 0 rg BT 231.57 499.30 Td (to ) Tj ET Q q 0 0 0 rg BT 243.34 499.30 Td (the ) Tj ET Q q 0 0 0 rg BT 259.54 499.30 Td (amounts ) Tj ET Q q 0 0 0 rg BT 297.42 499.30 Td (recoverable ) Tj ET Q q 0 0 0 rg BT 348.03 499.30 Td (through ) Tj ET Q q 0 0 0 rg BT 383.13 499.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 402.68 499.30 Td (share ) Tj ET Q q 0 0 0 rg BT 427.76 499.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 477.28 499.30 Td (\(since ) Tj ET Q q 0 0 0 rg BT 505.15 499.30 Td (the ) Tj ET Q q 0 0 0 rg BT 521.35 499.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 540.90 499.30 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 98.68 487.30 Td (are ) Tj ET Q q 0 0 0 rg BT 114.04 487.30 Td (separately ) Tj ET Q q 0 0 0 rg BT 157.73 487.30 Td (accounted ) Tj ET Q q 0 0 0 rg BT 201.41 487.30 Td (for ) Tj ET Q q 0 0 0 rg BT 216.22 487.30 Td (and ) Tj ET Q q 0 0 0 rg BT 233.81 487.30 Td (thus ) Tj ET Q q 0 0 0 rg BT 253.64 487.30 Td (presented ) Tj ET Q q 0 0 0 rg BT 295.10 487.30 Td (gross ) Tj ET Q q 0 0 0 rg BT 328.24 487.30 Td (on ) Tj ET Q q 0 0 0 rg BT 341.40 487.30 Td (the ) Tj ET Q q 0 0 0 rg BT 356.77 487.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 390.45 487.30 Td (sheet\). ) Tj ET Q q 0 0 0 rg BT 419.98 487.30 Td (On ) Tj ET Q q 0 0 0 rg BT 435.35 487.30 Td (the ) Tj ET Q q 0 0 0 rg BT 450.72 487.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 506.65 487.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 553.68 487.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.30 Td (Income, ) Tj ET Q q 0 0 0 rg BT 85.76 475.30 Td (the ) Tj ET Q q 0 0 0 rg BT 101.25 475.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 142.30 475.30 Td (for ) Tj ET Q q 0 0 0 rg BT 157.23 475.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 183.27 475.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 210.43 475.30 Td (is ) Tj ET Q q 0 0 0 rg BT 220.38 475.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 256.96 475.30 Td (net ) Tj ET Q q 0 0 0 rg BT 272.45 475.30 Td (of ) Tj ET Q q 0 0 0 rg BT 284.06 475.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 319.54 475.30 Td (in ) Tj ET Q q 0 0 0 rg BT 330.59 475.30 Td (the ) Tj ET Q q 0 0 0 rg BT 346.08 475.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 379.35 475.30 Td (recoverable ) Tj ET Q q 0 0 0 rg BT 429.25 475.30 Td (under ) Tj ET Q q 0 0 0 rg BT 455.29 475.30 Td (the ) Tj ET Q q 0 0 0 rg BT 470.78 475.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 489.62 475.30 Td (share ) Tj ET Q q 0 0 0 rg BT 513.99 475.30 Td (agreements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.30 Td (Reductions ) Tj ET Q q 0 0 0 rg BT 97.65 463.30 Td (to ) Tj ET Q q 0 0 0 rg BT 108.08 463.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 146.27 463.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 175.32 463.30 Td (to ) Tj ET Q q 0 0 0 rg BT 185.75 463.30 Td (the ) Tj ET Q q 0 0 0 rg BT 200.62 463.30 Td (extent ) Tj ET Q q 0 0 0 rg BT 227.71 463.30 Td (such ) Tj ET Q q 0 0 0 rg BT 248.70 463.30 Td (reductions ) Tj ET Q q 0 0 0 rg BT 293.01 463.30 Td (to ) Tj ET Q q 0 0 0 rg BT 303.44 463.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 341.63 463.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 368.18 463.30 Td (are ) Tj ET Q q 0 0 0 rg BT 383.04 463.30 Td (the ) Tj ET Q q 0 0 0 rg BT 397.91 463.30 Td (result ) Tj ET Q q 0 0 0 rg BT 422.78 463.30 Td (of ) Tj ET Q q 0 0 0 rg BT 433.77 463.30 Td (an ) Tj ET Q q 0 0 0 rg BT 445.86 463.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 501.84 463.30 Td (to ) Tj ET Q q 0 0 0 rg BT 512.27 463.30 Td (the ) Tj ET Q q 0 0 0 rg BT 527.14 463.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 553.67 463.30 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 88.84 451.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 109.92 451.30 Td (flows ) Tj ET Q q 0 0 0 rg BT 135.44 451.30 Td (from ) Tj ET Q q 0 0 0 rg BT 158.19 451.30 Td (the ) Tj ET Q q 0 0 0 rg BT 173.71 451.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 208.67 451.30 Td (assets, ) Tj ET Q q 0 0 0 rg BT 237.80 451.30 Td (will ) Tj ET Q q 0 0 0 rg BT 256.67 451.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 286.62 451.30 Td (the ) Tj ET Q q 0 0 0 rg BT 302.14 451.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 328.23 451.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 347.10 451.30 Td (share ) Tj ET Q q 0 0 0 rg BT 371.51 451.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 394.25 451.30 Td (or ) Tj ET Q q 0 0 0 rg BT 405.89 451.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 441.95 451.30 Td (any ) Tj ET Q q 0 0 0 rg BT 459.70 451.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 485.79 451.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 504.66 451.30 Td (share ) Tj ET Q q 0 0 0 rg BT 529.06 451.30 Td (liability) Tj ET Q q 0 0 0 rg BT 559.52 451.30 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.30 Td (Additions ) Tj ET Q q 0 0 0 rg BT 92.04 439.30 Td (to ) Tj ET Q q 0 0 0 rg BT 102.42 439.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 140.54 439.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 167.03 439.30 Td (will ) Tj ET Q q 0 0 0 rg BT 185.18 439.30 Td (require ) Tj ET Q q 0 0 0 rg BT 216.09 439.30 Td (an ) Tj ET Q q 0 0 0 rg BT 228.12 439.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 263.47 439.30 Td (to ) Tj ET Q q 0 0 0 rg BT 273.84 439.30 Td (the ) Tj ET Q q 0 0 0 rg BT 288.65 439.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 331.78 439.30 Td (for ) Tj ET Q q 0 0 0 rg BT 346.03 439.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 365.84 439.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 394.83 439.30 Td (and ) Tj ET Q q 0 0 0 rg BT 411.86 439.30 Td (a ) Tj ET Q q 0 0 0 rg BT 418.90 439.30 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 478.70 439.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 514.04 439.30 Td (to ) Tj ET Q q 0 0 0 rg BT 524.42 439.30 Td (the ) Tj ET Q q 0 0 0 rg BT 539.23 439.30 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 69.63 427.30 Td (share ) Tj ET Q q 0 0 0 rg BT 94.80 427.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 118.31 427.30 Td (or ) Tj ET Q q 0 0 0 rg BT 130.71 427.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 172.54 427.30 Td (to ) Tj ET Q q 0 0 0 rg BT 184.39 427.30 Td (any ) Tj ET Q q 0 0 0 rg BT 202.89 427.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 229.75 427.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 249.38 427.30 Td (share ) Tj ET Q q 0 0 0 rg BT 274.55 427.30 Td (liability) Tj ET Q q 0 0 0 rg BT 305.00 427.30 Td (. ) Tj ET Q q 0 0 0 rg BT 311.57 427.30 Td (See ) Tj ET Q q 0 0 0 rg BT 330.08 427.30 Td ("FDIC-Assisted ) Tj ET Q q 0 0 0 rg BT 397.94 427.30 Td (T) Tj ET Q q 0 0 0 rg BT 403.70 427.30 Td (ransactions" ) Tj ET Q q 0 0 0 rg BT 456.84 427.30 Td (within ) Tj ET Q q 0 0 0 rg BT 486.46 427.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 509.97 427.30 Td (7 ) Tj ET Q q 0 0 0 rg BT 519.04 427.30 Td (- ) Tj ET Q q 0 0 0 rg BT 526.44 427.30 Td (Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.30 Td (Combinations ) Tj ET Q q 0 0 0 rg BT 108.61 415.30 Td (for ) Tj ET Q q 0 0 0 rg BT 122.77 415.30 Td (more ) Tj ET Q q 0 0 0 rg BT 145.82 415.30 Td (detail.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 394.30 Td (Impair) Tj ET Q q 0 0 0 rg BT 76.85 394.30 Td (ed Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.30 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 373.30 Td ( ) Tj ET Q q 0 0 0 rg BT 59.17 373.30 Td (summary ) Tj ET Q q 0 0 0 rg BT 98.89 373.30 Td (of ) Tj ET Q q 0 0 0 rg BT 109.72 373.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 147.76 373.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 173.87 373.30 Td (including ) Tj ET Q q 0 0 0 rg BT 213.96 373.30 Td (TDRs, ) Tj ET Q q 0 0 0 rg BT 242.85 373.30 Td (at ) Tj ET Q q 0 0 0 rg BT 252.57 373.30 Td (December ) Tj ET Q q 0 0 0 rg BT 296.15 373.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 311.15 373.30 Td (2015 ) Tj ET Q q 0 0 0 rg BT 333.65 373.30 Td (and ) Tj ET Q q 0 0 0 rg BT 350.59 373.30 Td (2014 ) Tj ET Q q 0 0 0 rg BT 373.09 373.30 Td (is ) Tj ET Q q 0 0 0 rg BT 382.26 373.30 Td (as ) Tj ET Q q 0 0 0 rg BT 393.09 373.30 Td (follows:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 362.50 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 339.00 345.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 339.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 339.00 79.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 339.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 339.00 80.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 309.00 345.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 309.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 309.00 79.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 309.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 309.00 80.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 279.00 345.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 279.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 279.00 79.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 279.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 279.00 80.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 249.00 345.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 249.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 249.00 79.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 249.00 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 249.00 80.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 352 m 395.5 352 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 339 m 395.5 339 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 352 m 399.5 352 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 339 m 399.5 339 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 352 m 478.5 352 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 339 m 478.5 339 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 352 m 482.5 352 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 339 m 482.5 339 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 352 m 562.5 352 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 339 m 562.5 339 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 294 m 478.5 294 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 294 m 478.5 294 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 279 m 478.5 279 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 294 m 482.5 294 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 279 m 482.5 279 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 294 m 562.5 294 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 279 m 562.5 279 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 279 m 478.5 279 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 219 m 395.5 219 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 219 m 399.5 219 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 219 m 478.5 219 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 219 m 482.5 219 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 219 m 562.5 219 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 343.25 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.50 343.23 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 343.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 329.57 Td (Impaired loans \(included in non-performing and restructured loans\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 313.67 Td (Impaired loans with an allowance for loan loss required ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 282.71 318.20 Td (\(1\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 313.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 313.68 Td (49,961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 313.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 313.67 Td (69,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.50 299.57 Td (Impaired loans with no allowance for loan loss required) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 298.68 Td (51,294) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 298.67 Td (57,925) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 73.00 283.67 Td (T) Tj ET Q q 0 0 0 rg BT 78.41 283.67 Td (otal impaired loans ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 157.56 288.20 Td (\(2\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 283.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 283.68 Td (101,255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 283.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 283.67 Td (127,412) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 269.57 Td (Allowance for loan losses related to impaired loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 268.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.15 268.68 Td (6,380) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 268.67 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 268.67 Td (6,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 254.57 Td (TDRs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 253.68 Td (51,853) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 253.67 Td (82,275) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 239.57 Td (Reduction of interest income from non-accrual loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.15 238.68 Td (3,006) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 238.67 Td (2,222) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 224.57 Td (Interest income recognized on impaired loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.15 223.68 Td (6,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 223.67 Td (7,190) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.20 207.50 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 207.50 Td (These ) Tj ET Q q 0 0 0 rg BT 95.72 207.50 Td (impair) Tj ET Q q 0 0 0 rg BT 122.02 207.50 Td (ed ) Tj ET Q q 0 0 0 rg BT 133.65 207.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 157.51 207.50 Td (r) Tj ET Q q 0 0 0 rg BT 161.03 207.50 Td (equir) Tj ET Q q 0 0 0 rg BT 181.77 207.50 Td (e ) Tj ET Q q 0 0 0 rg BT 188.40 207.50 Td (an ) Tj ET Q q 0 0 0 rg BT 200.59 207.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 243.89 207.50 Td (for ) Tj ET Q q 0 0 0 rg BT 257.75 207.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 277.72 207.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 303.80 207.50 Td (because ) Tj ET Q q 0 0 0 rg BT 338.20 207.50 Td (the ) Tj ET Q q 0 0 0 rg BT 352.61 207.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 393.12 207.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 409.76 207.50 Td (value ) Tj ET Q q 0 0 0 rg BT 433.61 207.50 Td (of ) Tj ET Q q 0 0 0 rg BT 443.58 207.50 Td (the ) Tj ET Q q 0 0 0 rg BT 457.99 207.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 481.85 207.50 Td (or ) Tj ET Q q 0 0 0 rg BT 492.93 207.50 Td (r) Tj ET Q q 0 0 0 rg BT 496.45 207.50 Td (elated ) Tj ET Q q 0 0 0 rg BT 523.08 207.50 Td (collateral ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 195.50 Td (is ) Tj ET Q q 0 0 0 rg BT 79.37 195.50 Td (less ) Tj ET Q q 0 0 0 rg BT 96.87 195.50 Td (than ) Tj ET Q q 0 0 0 rg BT 117.15 195.50 Td (the ) Tj ET Q q 0 0 0 rg BT 131.87 195.50 Td (r) Tj ET Q q 0 0 0 rg BT 135.39 195.50 Td (ecor) Tj ET Q q 0 0 0 rg BT 152.78 195.50 Td (ded ) Tj ET Q q 0 0 0 rg BT 169.72 195.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 214.99 195.50 Td (in ) Tj ET Q q 0 0 0 rg BT 225.26 195.50 Td (the ) Tj ET Q q 0 0 0 rg BT 239.98 195.50 Td (loans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.20 183.50 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 183.50 Td (Impair) Tj ET Q q 0 0 0 rg BT 97.05 183.50 Td (ed ) Tj ET Q q 0 0 0 rg BT 108.50 183.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 132.19 183.50 Td (ar) Tj ET Q q 0 0 0 rg BT 140.71 183.50 Td (e ) Tj ET Q q 0 0 0 rg BT 147.16 183.50 Td (consider) Tj ET Q q 0 0 0 rg BT 181.23 183.50 Td (ed ) Tj ET Q q 0 0 0 rg BT 192.69 183.50 Td (by ) Tj ET Q q 0 0 0 rg BT 204.14 183.50 Td (the ) Tj ET Q q 0 0 0 rg BT 218.37 183.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 258.72 183.50 Td (to ) Tj ET Q q 0 0 0 rg BT 268.51 183.50 Td (be ) Tj ET Q q 0 0 0 rg BT 279.97 183.50 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 330.86 183.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 357.04 183.50 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 381.84 183.50 Td (or ) Tj ET Q q 0 0 0 rg BT 392.75 183.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 416.44 183.50 Td (with ) Tj ET Q q 0 0 0 rg BT 435.68 183.50 Td (principal ) Tj ET Q q 0 0 0 rg BT 474.36 183.50 Td (and/or ) Tj ET Q q 0 0 0 rg BT 503.04 183.50 Td (inter) Tj ET Q q 0 0 0 rg BT 521.56 183.50 Td (est ) Tj ET Q q 0 0 0 rg BT 534.68 183.50 Td (at ) Tj ET Q q 0 0 0 rg BT 544.48 183.50 Td (risk, ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 171.50 Td (even ) Tj ET Q q 0 0 0 rg BT 91.02 171.50 Td (if ) Tj ET Q q 0 0 0 rg BT 99.07 171.50 Td (the ) Tj ET Q q 0 0 0 rg BT 113.79 171.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 134.07 171.50 Td (is ) Tj ET Q q 0 0 0 rg BT 143.24 171.50 Td (curr) Tj ET Q q 0 0 0 rg BT 160.09 171.50 Td (ent ) Tj ET Q q 0 0 0 rg BT 174.80 171.50 Td (with ) Tj ET Q q 0 0 0 rg BT 194.53 171.50 Td (all ) Tj ET Q q 0 0 0 rg BT 207.59 171.50 Td (payments ) Tj ET Q q 0 0 0 rg BT 247.86 171.50 Td (of ) Tj ET Q q 0 0 0 rg BT 258.13 171.50 Td (principal ) Tj ET Q q 0 0 0 rg BT 297.30 171.50 Td (and ) Tj ET Q q 0 0 0 rg BT 314.80 171.50 Td (inter) Tj ET Q q 0 0 0 rg BT 333.32 171.50 Td (est.) Tj ET Q endstream endobj 247 0 obj <> endobj 248 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (123) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The following tables present impaired loans evaluated for impairment by loan class as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.67 742.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.25 742.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.69 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.69 742.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 689.60 252.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 689.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 689.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 689.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 689.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 689.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 689.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 689.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 689.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 667.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 667.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 667.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 667.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 667.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 667.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 667.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 667.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 667.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 667.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 667.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 645.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 645.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 645.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 645.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 645.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 645.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 645.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 645.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 645.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 645.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 645.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 623.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 623.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 623.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 623.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 623.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 623.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 623.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 623.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 623.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 623.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 623.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 601.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 601.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 601.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 601.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 601.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 601.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 601.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 601.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 601.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 601.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 601.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 579.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 579.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 579.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 579.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 579.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 579.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 579.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 579.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 579.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 579.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 579.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 557.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 557.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 557.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 557.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 557.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 557.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 557.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 557.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 557.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 557.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 557.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 535.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 535.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 535.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 535.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 535.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 535.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 535.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 535.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 535.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 535.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 535.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 513.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 513.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 513.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 513.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 513.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 513.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 513.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 513.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 513.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 513.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 513.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 491.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 491.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 491.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 491.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 491.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 491.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 491.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 491.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 491.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 491.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 491.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 469.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 469.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 469.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 469.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 469.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 469.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 469.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 469.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 469.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 469.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 469.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 447.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 447.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 447.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 447.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 447.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 447.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 447.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 447.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 447.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 447.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 447.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 425.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 425.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 425.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 425.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 425.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 425.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 425.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 425.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 425.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 425.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 425.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 403.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 403.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 403.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 403.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 403.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 403.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 403.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 403.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 403.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 403.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 403.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 374.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 374.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 374.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 374.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 374.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 374.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 374.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 374.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 374.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 374.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 374.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 352.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 352.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 352.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 352.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 352.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 352.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 352.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 352.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 352.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 352.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 352.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 330.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 330.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 330.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 330.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 330.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 330.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 330.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 330.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 330.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 330.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 330.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 308.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 308.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 308.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 308.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 308.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 308.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 308.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 308.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 308.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 308.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 308.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 286.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 286.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 286.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 286.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 286.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 286.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 286.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 286.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 286.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 286.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 286.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 264.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 264.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 264.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 264.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 264.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 264.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 264.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 264.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 264.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 264.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 264.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 242.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 242.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 242.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 242.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 242.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 242.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 242.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 242.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 242.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 242.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 242.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 220.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 220.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 220.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 220.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 220.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 220.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 220.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 220.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 220.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 220.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 220.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 198.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 198.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 198.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 198.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 198.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 198.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 198.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 198.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 198.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 198.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 198.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 176.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 176.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 176.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 176.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 176.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 176.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 176.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 176.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 176.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 176.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 176.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 154.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 154.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 154.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 154.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 154.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 154.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 154.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 154.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 154.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 154.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 154.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 132.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 132.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 132.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 132.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 132.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 132.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 132.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 132.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 132.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 132.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 132.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 110.60 187.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 110.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 110.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 110.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 110.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 110.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 110.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 110.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 110.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 110.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 110.60 61.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 88.60 187.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 88.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 88.60 61.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 88.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 88.60 61.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 88.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 88.60 61.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 88.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 88.60 61.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 88.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.50 88.60 61.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 731.6 m 237.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 731.6 m 241.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 731.6 m 302.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 731.6 m 306.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 731.6 m 367.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 731.6 m 371.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 731.6 m 432.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 731.6 m 436.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 731.6 m 497.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 731.6 m 501.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 731.6 m 562.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 718.6 m 302.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 718.6 m 306.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 718.6 m 367.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 718.6 m 371.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 718.6 m 432.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 718.6 m 436.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 718.6 m 497.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 718.6 m 501.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 718.6 m 562.5 718.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 689.6 m 237.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 689.6 m 241.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 689.6 m 302.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 689.6 m 306.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 689.6 m 367.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 689.6 m 371.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 689.6 m 432.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 689.6 m 436.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 689.6 m 497.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 689.6 m 501.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 689.6 m 562.5 689.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 67.60000000000002 m 237.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 67.60000000000002 m 241.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 88.60000000000002 m 302.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 67.60000000000002 m 302.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 88.60000000000002 m 306.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 67.60000000000002 m 306.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 88.60000000000002 m 367.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 67.60000000000002 m 367.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 88.60000000000002 m 371.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 67.60000000000002 m 371.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 88.60000000000002 m 432.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 67.60000000000002 m 432.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 88.60000000000002 m 436.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 67.60000000000002 m 436.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 88.60000000000002 m 497.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 67.60000000000002 m 497.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 88.60000000000002 m 501.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 67.60000000000002 m 501.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 88.60000000000002 m 562.5 88.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 67.60000000000002 m 562.5 67.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 722.85 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.70 722.83 Td (As of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 465.60 722.83 Td (For the Year Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 701.83 Td (December) Tj ET Q q 0 0 0 rg BT 87.50 701.83 Td (31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 693.83 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 255.05 701.83 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.35 693.83 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 323.80 709.83 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.70 701.83 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 322.90 693.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 388.35 701.83 Td (Related) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.70 693.83 Td (Allowance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.55 709.83 Td (A) Tj ET Q q 0 0 0 rg BT 457.73 709.83 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.05 701.83 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.35 693.83 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.55 701.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 521.73 701.83 Td (estIncome) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.90 693.83 Td (Recognized) Tj ET Q BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.39 w 0 i [] 0 d 1 J 1 j 3 M 53 680.48671875 m 241.82421875 680.48671875 l s q 0 0 0 rg BT 53.00 681.55 Td (Impaired loans with a related ASC 310 allowance recorded) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 670.55 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 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ET q 0 0 0 rg BT 551.30 648.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 637.55 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 637.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 637.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 637.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 637.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 637.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 626.55 Td (Community Advantagehomeowners association) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 626.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 626.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 626.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 626.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 626.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 615.55 Td (Aircraft) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 615.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 615.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 615.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 615.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 615.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 604.55 Td (Asset-based lending) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 604.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 604.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 604.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 604.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 604.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 593.55 Td (Tax exempt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 593.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 593.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 593.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 593.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 593.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 582.55 Td (Leases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 582.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 582.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 582.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 582.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 582.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 571.55 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 571.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 571.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 571.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 571.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 571.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 560.55 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 549.55 Td (Residential construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 549.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 549.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 549.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 549.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 549.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 538.55 Td (Commercial construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 538.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 538.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 538.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 538.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 538.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 527.55 Td (Land) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 527.68 Td (4,929) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 527.68 Td (8,711) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 527.68 Td (41) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 527.68 Td (5,127) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 527.68 Td (547) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 516.55 Td (Office) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 516.68 Td (5,050) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 516.68 Td (6,051) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.30 516.68 Td (632) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 516.68 Td (5,394) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 516.68 Td (314) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 505.55 Td (Industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 505.68 Td (8,413) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 505.68 Td (9,105) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.30 505.68 Td (1,943) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.30 505.68 Td (10,590) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 505.68 Td (565) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 494.55 Td (Retail) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 494.68 Td (8,527) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 494.68 Td (9,230) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.30 494.68 Td (343) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 494.68 Td (8,596) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 494.68 Td (386) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 483.55 Td (Multi-family) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 483.68 Td (370) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.30 483.68 Td (370) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.30 483.68 Td (202) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 483.68 Td (372) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 483.68 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 472.55 Td (Mixed use and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 472.68 Td (7,590) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 472.68 Td (7,708) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.30 472.68 Td (570) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 472.68 Td (7,681) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 472.68 Td (328) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 461.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 461.68 Td (423) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.30 461.68 Td (435) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.30 461.68 Td (333) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 461.68 Td (351) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 461.68 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 450.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 450.68 Td (4,710) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 450.68 Td (4,799) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.30 450.68 Td (294) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 450.68 Td (4,618) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 450.68 Td (182) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 439.55 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 428.55 Td (Commercial insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 428.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 428.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 428.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 428.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 428.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 417.55 Td (Life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 417.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 417.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 417.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 417.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 417.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 406.55 Td (PCI - life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 406.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 406.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 406.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 406.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 406.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 395.55 Td (Consumer and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 395.68 Td (195) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.30 395.68 Td (220) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 395.68 Td (10) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 395.68 Td (216) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 395.68 Td (12) Tj ET Q BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.39 w 0 i [] 0 d 1 J 1 j 3 M 53 383.48671875 m 216.29296875 383.48671875 l s q 0 0 0 rg BT 53.00 384.55 Td (Impaired loans with no related ASC 310 allowance) Tj ET Q BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.39 w 0 i [] 0 d 1 J 1 j 3 M 53 375.53671875000003 m 80.98046875 375.53671875000003 l s q 0 0 0 rg BT 53.00 376.60 Td (recorded) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 366.55 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 355.55 Td (Commercial and industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 244.00 355.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 355.68 Td (8,274) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 309.00 355.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 355.68 Td (9,537) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.00 355.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 355.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.00 355.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 355.68 Td (9,510) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.00 355.68 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 355.68 Td (494) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 344.55 Td (Franchise) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 344.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 344.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 344.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 344.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 344.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 333.55 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 333.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 333.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 333.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 333.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 333.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 322.55 Td (Community Advantagehomeowners association) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 322.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 322.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 322.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 322.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 322.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 311.55 Td (Aircraft) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 311.68 Td (288) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.30 311.68 Td (378) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 311.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 311.68 Td (375) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 311.68 Td (27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 300.55 Td (Asset-based lending) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 295.30 300.68 Td (8) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 300.68 Td (1,570) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 300.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.30 300.68 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 300.68 Td (88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 289.55 Td (Tax exempt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 289.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 289.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 289.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 289.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 289.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 278.55 Td (Leases) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 278.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 278.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 278.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 278.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 278.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 267.55 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 267.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 267.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 267.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 267.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 267.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 256.55 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 245.55 Td (Residential construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 245.68 Td (2,296) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 245.68 Td (2,296) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 245.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 245.68 Td (2,300) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 245.68 Td (112) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 234.55 Td (Commercial construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 234.68 Td (32) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 234.68 Td (33) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 234.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 234.68 Td (16) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 555.30 234.68 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 223.55 Td (Land) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.30 223.68 Td (888) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 223.68 Td (2,373) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 223.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.30 223.68 Td (929) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 223.68 Td (90) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 212.55 Td (Office) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 212.68 Td (3,500) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 212.68 Td (4,484) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 212.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 212.68 Td (3,613) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 212.68 Td (237) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 201.55 Td (Industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 201.68 Td (2,217) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 201.68 Td (2,426) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 201.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 201.68 Td (2,286) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 201.68 Td (188) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 190.55 Td (Retail) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 190.68 Td (2,757) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 190.68 Td (2,925) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 190.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 190.68 Td (2,897) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 190.68 Td (129) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 179.55 Td (Multi-family) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 179.68 Td (2,344) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 179.68 Td (2,807) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 179.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 179.68 Td (2,390) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 179.68 Td (117) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 168.55 Td (Mixed use and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.30 168.68 Td (10,510) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 168.68 Td (14,060) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 168.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.30 168.68 Td (11,939) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 168.68 Td (624) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 157.55 Td (Home equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.30 157.68 Td (6,424) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 157.68 Td (7,987) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 157.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.30 157.68 Td (5,738) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 157.68 Td (288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 146.55 Td (Residential real estate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.30 146.68 Td (11,559) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 146.68 Td (13,979) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 146.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.30 146.68 Td (11,903) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 547.30 146.68 Td (624) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 135.55 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 124.55 Td (Commercial insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 124.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 124.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.30 124.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 124.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.30 124.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 113.55 Td (Life insurance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.30 113.68 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w 0 i [] 0 d 0 J 0 j 3 M 497.5 104.5 m 501.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 79.5 m 501.5 79.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 104.5 m 562.5 104.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501.5 79.5 m 562.5 79.5 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 739.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.70 739.73 Td (As of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 465.60 739.73 Td (For the Year Ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 718.75 Td (December31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 710.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 255.05 718.73 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.35 710.73 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 323.80 726.73 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.70 718.73 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 322.90 710.73 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET 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ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 654.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 654.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 654.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 654.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 654.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 643.45 Td (Community Advantagehomeowners association) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 643.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 643.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 643.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 643.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 643.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 632.45 Td (Aircraft) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 632.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 632.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 632.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 632.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 632.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 621.45 Td (Asset-based lending) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 621.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 621.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 621.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 621.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 621.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 610.45 Td (Tax exempt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 610.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 610.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 610.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 610.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 610.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 599.45 Td (Leases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 599.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 599.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 599.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 599.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 599.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 588.45 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 588.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 588.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 588.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 588.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 588.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 577.45 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 566.45 Td (Residential construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 566.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 566.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 566.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 566.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 566.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 555.45 Td (Commercial construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 555.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 555.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 555.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 555.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 555.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 544.45 Td (Land) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 544.45 Td (5,011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 544.45 Td (8,626) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 544.45 Td (43) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 544.45 Td (5,933) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 544.45 Td (544) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 533.45 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.30 533.45 Td (11,038) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.30 533.45 Td (12,863) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 533.45 Td (305) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 533.45 Td (11,567) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 533.45 Td (576) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 522.45 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.30 522.45 Td (195) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 522.45 Td (277) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 522.45 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 522.45 Td (214) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 522.45 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 511.45 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.30 511.45 Td (11,045) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.30 511.45 Td (14,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 511.45 Td (487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 511.45 Td (12,116) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 511.45 Td (606) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 500.45 Td (Multi-family) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 500.45 Td (2,808) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 500.45 Td (3,321) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 500.45 Td (158) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 500.45 Td (2,839) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 500.45 Td (145) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 489.45 Td (Mixed use and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.30 489.45 Td (21,777) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.30 489.45 Td (24,076) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 489.45 Td (2,240) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 489.45 Td (21,483) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 489.45 Td (1,017) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 478.45 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 478.45 Td (1,946) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 478.45 Td (2,055) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 478.45 Td (475) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 478.45 Td (1,995) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 478.45 Td (80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 467.45 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 467.45 Td (5,467) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 467.45 Td (5,600) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 467.45 Td (606) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 467.45 Td (5,399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 467.45 Td (241) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 456.45 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 445.45 Td (Commercial insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 445.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 445.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 445.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 445.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 445.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 434.45 Td (Life insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 434.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 434.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 434.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 434.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 434.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 423.45 Td (PCI - life insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 423.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 423.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 423.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 423.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 423.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 412.45 Td (Consumer and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.30 412.45 Td (211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 412.45 Td (213) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 412.45 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 412.45 Td (214) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 412.45 Td (10) Tj ET Q BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.39 w 0 i [] 0 d 1 J 1 j 3 M 53 400.38671875 m 216.29296875 400.38671875 l s q 0 0 0 rg BT 53.00 401.45 Td (Impaired loans with no related ASC 310 allowance) Tj ET Q BT /F1 8.00 Tf ET 0 0 0 RG /GS0 gs 0.39 w 0 i [] 0 d 1 J 1 j 3 M 53 392.38671875 m 80.98046875 392.38671875 l s q 0 0 0 rg BT 53.00 393.45 Td (recorded) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 382.45 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 371.45 Td (Commercial and industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.00 371.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 371.45 Td (5,797) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 371.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 371.45 Td (8,862) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 371.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 371.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.00 371.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 371.45 Td (6,664) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.00 371.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 371.45 Td (595) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 360.45 Td (Franchise) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 360.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 360.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 360.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 360.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 360.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 349.45 Td (Mortgage warehouse lines of credit) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 349.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 349.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 349.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 349.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 349.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 338.45 Td (Community Advantagehomeowners association) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 338.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 338.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 338.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 338.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 338.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 327.45 Td (Aircraft) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 327.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 327.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 327.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 327.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 327.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 316.45 Td (Asset-based lending) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 316.45 Td (25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 316.45 Td (1,952) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 316.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 316.45 Td (87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 316.45 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 305.45 Td (Tax exempt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 305.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 305.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 305.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 305.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 305.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 294.45 Td (Leases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 294.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 294.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 294.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 294.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 294.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 283.45 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 283.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 283.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 283.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 283.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 283.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 272.45 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 261.45 Td (Residential construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 261.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 261.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 261.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 261.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 261.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 250.45 Td (Commercial construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 250.45 Td (2,875) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 250.45 Td (3,085) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 250.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 250.45 Td (3,183) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 250.45 Td (151) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 239.45 Td (Land) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.30 239.45 Td (10,210) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.30 239.45 Td (10,941) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 239.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 239.45 Td (10,268) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 239.45 Td (430) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 228.45 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 228.45 Td (4,132) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 228.45 Td (5,020) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 228.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 228.45 Td (4,445) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 228.45 Td (216) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 217.45 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 217.45 Td (4,160) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 217.45 Td (4,498) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 217.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 217.45 Td (3,807) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 217.45 Td (286) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 206.45 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 206.45 Td (5,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 206.45 Td (7,470) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 206.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 206.45 Td (6,915) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 206.45 Td (330) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 195.45 Td (Multi-family) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 195.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 195.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 195.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 195.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 195.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 184.45 Td (Mixed use and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 184.45 Td (7,985) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 184.45 Td (8,804) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 184.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 184.45 Td (9,533) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 184.45 Td (449) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 173.45 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 173.45 Td (4,453) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 173.45 Td (6,172) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 173.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 476.30 173.45 Td (4,666) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 173.45 Td (256) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 162.45 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.30 162.45 Td (12,640) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.30 162.45 Td (14,334) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 162.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 162.45 Td (12,682) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 162.45 Td (595) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 151.45 Td (Premium finance receivables) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 140.45 Td (Commercial insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 140.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 140.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 140.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 140.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 140.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 129.45 Td (Life insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 129.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 129.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 129.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 129.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 129.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 118.45 Td (PCI - life insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.30 118.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 118.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 118.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.30 118.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 118.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 107.45 Td (Consumer and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.30 107.45 Td (161) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 107.45 Td (222) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 107.45 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 107.45 Td (173) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 107.45 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 96.45 Td (Total loans, net of unearned income, excluding) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 88.45 Td (covered loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.00 83.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 273.30 83.75 Td (127,412) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.00 83.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 83.75 Td (153,742) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.00 83.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 83.75 Td (6,270) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.00 83.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 83.75 Td (134,967) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 504.00 83.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 83.75 Td (7,190) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 251 0 obj <> endobj 252 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (125) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.48 742.10 Td (verage ) Tj ET Q q 0 0 0 rg BT 86.24 742.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 124.32 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 171.32 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 182.21 742.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 220.86 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 245.08 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.85 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.18 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 299.39 742.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.38 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 385.58 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.58 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.19 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.19 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 436.80 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.35 742.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.35 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 477.46 742.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 742.10 Td ($107.2 ) Tj ET Q q 0 0 0 rg BT 530.62 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td ($135.0 ) Tj ET Q q 0 0 0 rg BT 80.40 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.29 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 114.69 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.02 730.10 Td ($170.7 ) Tj ET Q q 0 0 0 rg BT 162.42 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.31 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 196.71 730.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 244.37 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 249.76 730.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 282.65 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 314.98 730.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 361.74 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 374.63 730.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 413.07 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.08 730.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.53 730.10 Td ($6.2 ) Tj ET Q q 0 0 0 rg BT 475.92 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.82 730.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.21 730.10 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 530.61 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 730.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.94 718.10 Td ($8.9 ) Tj ET Q q 0 0 0 rg BT 86.94 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.83 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 118.33 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 132.49 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.21 718.10 Td (years ) Tj ET Q q 0 0 0 rg BT 170.81 718.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.18 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 255.77 718.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.77 718.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.77 718.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.77 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 305.77 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.71 718.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.71 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 347.71 718.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 395.37 718.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (TDRs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.83 673.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 121.75 673.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.75 673.10 Td (, ) Tj ET Q q 0 0 0 rg BT 147.08 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.13 673.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 203.84 673.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.11 673.10 Td ($51.9 ) Tj ET Q q 0 0 0 rg BT 246.44 673.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.33 673.10 Td ( ) Tj ET Q q 0 0 0 rg BT 278.17 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.78 673.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 312.71 673.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 351.65 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.05 673.10 Td (TDRs. ) Tj ET Q q 0 0 0 rg BT 391.07 673.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.45 673.10 Td ($51.9 ) Tj ET Q q 0 0 0 rg BT 434.78 673.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.67 673.10 Td ( ) Tj ET Q q 0 0 0 rg BT 466.50 673.10 Td (in ) Tj ET Q q 0 0 0 rg BT 476.91 673.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 503.63 673.10 Td (represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 673.10 Td (102) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 78.88 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 88.88 661.10 Td (which ) Tj ET Q q 0 0 0 rg BT 115.53 661.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 156.63 661.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 206.62 661.10 Td (were ) Tj ET Q q 0 0 0 rg BT 228.27 661.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 260.47 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 270.47 661.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 299.89 661.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 342.66 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.66 661.10 Td (better ) Tj ET Q q 0 0 0 rg BT 377.64 661.10 Td (align ) Tj ET Q q 0 0 0 rg BT 399.86 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.29 661.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 438.73 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.28 661.10 Td (their ) Tj ET Q q 0 0 0 rg BT 469.83 661.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 493.16 661.10 Td (with ) Tj ET Q q 0 0 0 rg BT 513.16 661.10 Td (their ) Tj ET Q q 0 0 0 rg BT 533.70 661.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.05 649.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.33 649.10 Td (pay) Tj ET Q q 0 0 0 rg BT 102.12 649.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.68 628.10 Td (Company) Tj ET Q q 0 0 0 rg BT 109.34 628.10 Td (s ) Tj ET Q q 0 0 0 rg BT 115.36 628.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 154.14 628.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.04 628.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 217.27 628.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 243.00 628.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 284.57 628.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 302.26 628.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 327.99 628.10 Td (is ) Tj ET Q q 0 0 0 rg BT 336.79 628.10 Td (built ) Tj ET Q q 0 0 0 rg BT 357.26 628.10 Td (on ) Tj ET Q q 0 0 0 rg BT 369.38 628.10 Td (its ) Tj ET Q q 0 0 0 rg BT 380.96 628.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 405.85 628.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 422.98 628.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 448.44 628.10 Td (system ) Tj ET Q q 0 0 0 rg BT 478.34 628.10 Td (which ) Tj ET Q q 0 0 0 rg BT 504.91 628.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 539.25 628.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (management ) Tj ET Q q 0 0 0 rg BT 103.68 616.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 145.15 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 155.52 616.10 Td (assign ) Tj ET Q q 0 0 0 rg BT 183.11 616.10 Td (a ) Tj ET Q q 0 0 0 rg BT 190.13 616.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 215.49 616.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 233.08 616.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 258.99 616.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.36 616.10 Td (each ) Tj ET Q q 0 0 0 rg BT 290.27 616.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 312.58 616.10 Td (In ) Tj ET Q q 0 0 0 rg BT 323.50 616.10 Td (each ) Tj ET Q q 0 0 0 rg BT 344.40 616.10 Td (case, ) Tj ET Q q 0 0 0 rg BT 366.70 616.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.51 616.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 401.31 616.10 Td (of) Tj ET Q q 0 0 0 rg BT 409.46 616.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 430.37 616.10 Td (is ) Tj ET Q q 0 0 0 rg BT 439.63 616.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 487.77 616.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.02 616.10 Td (recommending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.21 604.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 82.75 604.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 100.52 604.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 126.62 604.10 Td (for ) Tj ET Q q 0 0 0 rg BT 141.05 604.10 Td (each ) Tj ET Q q 0 0 0 rg BT 162.14 604.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 182.13 604.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.35 604.10 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 236.56 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.55 604.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 277.08 604.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 294.86 604.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 324.85 604.10 Td (are ) Tj ET Q q 0 0 0 rg BT 339.83 604.10 Td (appropriate. ) Tj ET Q q 0 0 0 rg BT 390.43 604.10 Td (These ) Tj ET Q q 0 0 0 rg BT 417.08 604.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 442.62 604.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 460.40 604.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 490.39 604.10 Td (are ) Tj ET Q q 0 0 0 rg BT 505.37 604.10 Td (then ) Tj ET Q q 0 0 0 rg BT 525.36 604.10 Td (reviewed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.73 592.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 106.22 592.10 Td (by ) Tj ET Q q 0 0 0 rg BT 118.51 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.02 592.10 Td (bank) Tj ET Q q 0 0 0 rg BT 155.24 592.10 Td (s ) Tj ET Q q 0 0 0 rg BT 161.42 592.10 Td (chief ) Tj ET Q q 0 0 0 rg BT 183.69 592.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 208.74 592.10 Td (of) Tj ET Q q 0 0 0 rg BT 216.89 592.10 Td (ficer ) Tj ET Q q 0 0 0 rg BT 237.50 592.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 265.33 592.10 Td (concurrence ) Tj ET Q q 0 0 0 rg BT 316.47 592.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 341.53 592.10 Td (of) Tj ET Q q 0 0 0 rg BT 349.68 592.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 367.44 592.10 Td (. ) Tj ET Q q 0 0 0 rg BT 372.23 592.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 399.51 592.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 416.80 592.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 446.31 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 460.80 592.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 508.07 592.10 Td (by ) Tj ET Q q 0 0 0 rg BT 520.36 592.10 Td (evaluating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 58.09 580.10 Td (number ) Tj ET Q q 0 0 0 rg BT 92.29 580.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.28 580.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 135.14 580.10 Td (including ) Tj ET Q q 0 0 0 rg BT 176.57 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 184.66 580.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 221.68 580.10 Td () Tj ET Q q 0 0 0 rg BT 224.46 580.10 Td (s ) Tj ET Q q 0 0 0 rg BT 232.01 580.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 270.64 580.10 Td (strength, ) Tj ET Q q 0 0 0 rg BT 309.02 580.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 330.44 580.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 352.42 580.10 Td (coverage, ) Tj ET Q q 0 0 0 rg BT 394.66 580.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 435.52 580.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 479.71 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.81 580.10 Td (guarantees. ) Tj ET Q q 0 0 0 rg BT 546.45 580.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 568.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.39 568.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 123.99 568.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 141.83 568.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 167.99 568.10 Td (scale ) Tj ET Q q 0 0 0 rg BT 190.82 568.10 Td (is ) Tj ET Q q 0 0 0 rg BT 200.32 568.10 Td (one ) Tj ET Q q 0 0 0 rg BT 217.60 568.10 Td (through ) Tj ET Q q 0 0 0 rg BT 251.54 568.10 Td (ten ) Tj ET Q q 0 0 0 rg BT 266.60 568.10 Td (with ) Tj ET Q q 0 0 0 rg BT 287.21 568.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 315.60 568.10 Td (scores ) Tj ET Q q 0 0 0 rg BT 343.42 568.10 Td (indicating ) Tj ET Q q 0 0 0 rg BT 386.25 568.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 414.63 568.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 434.97 568.10 Td (In ) Tj ET Q q 0 0 0 rg BT 446.14 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.19 568.10 Td (case ) Tj ET Q q 0 0 0 rg BT 481.24 568.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.40 568.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 516.35 568.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 539.17 568.10 Td (six ) Tj ET Q q 0 0 0 rg BT 553.68 568.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (worse ) Tj ET Q q 0 0 0 rg BT 75.52 556.10 Td (following ) Tj ET Q q 0 0 0 rg BT 116.04 556.10 Td (modification, ) Tj ET Q q 0 0 0 rg BT 171.27 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.12 556.10 Td (Company) Tj ET Q q 0 0 0 rg BT 226.78 556.10 Td (s ) Tj ET Q q 0 0 0 rg BT 232.31 556.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 270.79 556.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 298.53 556.10 Td (Division ) Tj ET Q q 0 0 0 rg BT 334.62 556.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 373.45 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.30 556.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 406.15 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.22 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.07 556.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 460.47 556.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 477.10 556.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 502.06 556.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.13 556.10 Td (determines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.92 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.06 544.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 103.20 544.10 Td (has ) Tj ET Q q 0 0 0 rg BT 119.45 544.10 Td (been ) Tj ET Q q 0 0 0 rg BT 141.25 544.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 191.92 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.62 544.10 Td (be ) Tj ET Q q 0 0 0 rg BT 214.99 544.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 261.22 544.10 Td (assured ) Tj ET Q q 0 0 0 rg BT 294.14 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.39 544.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 350.51 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.87 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.13 544.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 432.57 544.10 Td (according ) Tj ET Q q 0 0 0 rg BT 474.92 544.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.62 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.76 544.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 539.78 544.10 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.00 532.10 Td (is ) Tj ET Q q 0 0 0 rg BT 74.23 532.10 Td (supported ) Tj ET Q q 0 0 0 rg BT 115.23 532.10 Td (by ) Tj ET Q q 0 0 0 rg BT 126.79 532.10 Td (a ) Tj ET Q q 0 0 0 rg BT 132.79 532.10 Td (current, ) Tj ET Q q 0 0 0 rg BT 165.16 532.10 Td (well-documented ) Tj ET Q q 0 0 0 rg BT 236.14 532.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 260.46 532.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 306.46 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.35 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.13 532.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 367.15 532.10 Td () Tj ET Q q 0 0 0 rg BT 369.93 532.10 Td (s ) Tj ET Q q 0 0 0 rg BT 375.38 532.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 411.92 532.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 451.25 532.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.25 532.10 Td (prospects ) Tj ET Q q 0 0 0 rg BT 506.58 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 519.80 532.10 Td (repayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.27 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.99 520.10 Td (revised ) Tj ET Q q 0 0 0 rg BT 121.36 520.10 Td (terms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.73 499.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 113.89 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 125.29 499.10 Td (a ) Tj ET Q q 0 0 0 rg BT 132.79 499.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 155.57 499.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 198.07 499.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 216.69 499.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 243.36 499.10 Td (with ) Tj ET Q q 0 0 0 rg BT 264.20 499.10 Td (an ) Tj ET Q q 0 0 0 rg BT 276.70 499.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 311.43 499.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 337.26 499.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 355.32 499.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 381.71 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.10 499.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 401.17 499.10 Td (or ) Tj ET Q q 0 0 0 rg BT 412.56 499.10 Td (worse ) Tj ET Q q 0 0 0 rg BT 439.50 499.10 Td (or ) Tj ET Q q 0 0 0 rg BT 450.90 499.10 Td (a ) Tj ET Q q 0 0 0 rg BT 458.40 499.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 512.56 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.95 499.10 Td (any ) Tj ET Q q 0 0 0 rg BT 541.45 499.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 77.40 487.10 Td (which ) Tj ET Q q 0 0 0 rg BT 103.98 487.10 Td (will ) Tj ET Q q 0 0 0 rg BT 121.67 487.10 Td (result ) Tj ET Q q 0 0 0 rg BT 146.03 487.10 Td (in ) Tj ET Q q 0 0 0 rg BT 155.94 487.10 Td (a ) Tj ET Q q 0 0 0 rg BT 162.52 487.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 212.41 487.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 237.31 487.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 254.45 487.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 279.91 487.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.38 487.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 297.52 487.10 Td (or ) Tj ET Q q 0 0 0 rg BT 307.99 487.10 Td (worse, ) Tj ET Q q 0 0 0 rg BT 336.50 487.10 Td (must ) Tj ET Q q 0 0 0 rg BT 358.09 487.10 Td (be ) Tj ET Q q 0 0 0 rg BT 369.67 487.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 408.45 487.10 Td (for ) Tj ET Q q 0 0 0 rg BT 422.25 487.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 457.01 487.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 479.15 487.10 Td (classification. ) Tj ET Q q 0 0 0 rg BT 536.54 487.10 Td (In ) Tj ET Q q 0 0 0 rg BT 547.01 487.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (event, ) Tj ET Q q 0 0 0 rg BT 76.59 475.10 Td (our ) Tj ET Q q 0 0 0 rg BT 92.36 475.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 131.47 475.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 160.02 475.10 Td (Division ) Tj ET Q q 0 0 0 rg BT 196.91 475.10 Td (conducts ) Tj ET Q q 0 0 0 rg BT 234.89 475.10 Td (an ) Tj ET Q q 0 0 0 rg BT 246.77 475.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 276.97 475.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 302.17 475.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.05 475.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 358.68 475.10 Td (review) Tj ET Q q 0 0 0 rg BT 385.24 475.10 Td (. ) Tj ET Q q 0 0 0 rg BT 389.64 475.10 Td (A) Tj ET Q q 0 0 0 rg BT 396.31 475.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.75 475.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 452.28 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.05 475.10 Td (these ) Tj ET Q q 0 0 0 rg BT 486.04 475.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 509.58 475.10 Td (is ) Tj ET Q q 0 0 0 rg BT 518.69 475.10 Td (considered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.32 463.10 Td (be ) Tj ET Q q 0 0 0 rg BT 72.30 463.10 Td (a ) Tj ET Q q 0 0 0 rg BT 79.09 463.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 101.63 463.10 Td (if ) Tj ET Q q 0 0 0 rg BT 110.28 463.10 Td (both ) Tj ET Q q 0 0 0 rg BT 130.60 463.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 144.80 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.56 463.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 198.75 463.10 Td (is ) Tj ET Q q 0 0 0 rg BT 207.96 463.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 262.14 463.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 299.66 463.10 Td (dif) Tj ET Q q 0 0 0 rg BT 310.59 463.10 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 339.23 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.21 463.10 Td (\(2\)for ) Tj ET Q q 0 0 0 rg BT 384.57 463.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 425.99 463.10 Td (or ) Tj ET Q q 0 0 0 rg BT 436.86 463.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 458.83 463.10 Td (reasons, ) Tj ET Q q 0 0 0 rg BT 493.86 463.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.62 463.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 530.60 463.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 557.58 463.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (concession ) Tj ET Q q 0 0 0 rg BT 96.34 451.10 Td (to ) Tj ET Q q 0 0 0 rg BT 106.58 451.10 Td (a ) Tj ET Q q 0 0 0 rg BT 113.48 451.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 152.60 451.10 Td (that ) Tj ET Q q 0 0 0 rg BT 170.06 451.10 Td (it ) Tj ET Q q 0 0 0 rg BT 178.08 451.10 Td (would ) Tj ET Q q 0 0 0 rg BT 205.54 451.10 Td (not ) Tj ET Q q 0 0 0 rg BT 220.78 451.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 262.12 451.10 Td (consider) Tj ET Q q 0 0 0 rg BT 295.45 451.10 Td (. ) Tj ET Q q 0 0 0 rg BT 300.23 451.10 Td (The ) Tj ET Q q 0 0 0 rg BT 318.24 451.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 371.80 451.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.60 451.10 Td (a ) Tj ET Q q 0 0 0 rg BT 389.50 451.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 411.68 451.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 453.58 451.10 Td (PCI ) Tj ET Q q 0 0 0 rg BT 471.60 451.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 497.67 451.10 Td (where ) Tj ET Q q 0 0 0 rg BT 524.57 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.25 451.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.77 439.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 93.87 439.10 Td (is ) Tj ET Q q 0 0 0 rg BT 103.31 439.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 111.08 439.10 Td (or ) Tj ET Q q 0 0 0 rg BT 122.18 439.10 Td (better ) Tj ET Q q 0 0 0 rg BT 147.71 439.10 Td (both ) Tj ET Q q 0 0 0 rg BT 168.26 439.10 Td (before ) Tj ET Q q 0 0 0 rg BT 196.57 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.78 439.10 Td (after ) Tj ET Q q 0 0 0 rg BT 234.87 439.10 Td (such ) Tj ET Q q 0 0 0 rg BT 255.97 439.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 309.84 439.10 Td (is ) Tj ET Q q 0 0 0 rg BT 319.28 439.10 Td (not ) Tj ET Q q 0 0 0 rg BT 334.83 439.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 380.92 439.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.46 439.10 Td (be ) Tj ET Q q 0 0 0 rg BT 403.67 439.10 Td (a ) Tj ET Q q 0 0 0 rg BT 410.68 439.10 Td (TDR. ) Tj ET Q q 0 0 0 rg BT 435.95 439.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 463.16 439.10 Td (on ) Tj ET Q q 0 0 0 rg BT 475.94 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.92 439.10 Td (Company) Tj ET Q q 0 0 0 rg BT 532.59 439.10 Td (s ) Tj ET Q q 0 0 0 rg BT 539.25 439.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.30 427.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 92.92 427.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 125.50 427.10 Td (it ) Tj ET Q q 0 0 0 rg BT 133.35 427.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 173.42 427.10 Td (that ) Tj ET Q q 0 0 0 rg BT 190.71 427.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 233.55 427.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 261.40 427.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 286.46 427.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 303.75 427.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 329.38 427.10 Td (is ) Tj ET Q q 0 0 0 rg BT 338.34 427.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 345.64 427.10 Td (or ) Tj ET Q q 0 0 0 rg BT 356.27 427.10 Td (better ) Tj ET Q q 0 0 0 rg BT 381.33 427.10 Td (are ) Tj ET Q q 0 0 0 rg BT 395.83 427.10 Td (not ) Tj ET Q q 0 0 0 rg BT 410.91 427.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 464.85 427.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 502.13 427.10 Td (dif) Tj ET Q q 0 0 0 rg BT 513.05 427.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 547.56 427.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 91.08 415.10 Td (are ) Tj ET Q q 0 0 0 rg BT 105.79 415.10 Td (not ) Tj ET Q q 0 0 0 rg BT 121.07 415.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 166.70 415.10 Td (TDRs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (All ) Tj ET Q q 0 0 0 rg BT 64.88 394.10 Td (credits ) Tj ET Q q 0 0 0 rg BT 93.63 394.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 140.71 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.59 394.10 Td (be ) Tj ET Q q 0 0 0 rg BT 162.13 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.52 394.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 190.61 394.10 Td (will ) Tj ET Q q 0 0 0 rg BT 208.27 394.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 244.80 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.68 394.10 Td (be ) Tj ET Q q 0 0 0 rg BT 266.22 394.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 306.08 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 316.51 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 322.90 394.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 345.00 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 354.88 394.10 Td (all ) Tj ET Q q 0 0 0 rg BT 366.97 394.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 413.51 394.10 Td (periods, ) Tj ET Q q 0 0 0 rg BT 447.55 394.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 474.65 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.96 394.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 527.71 394.10 Td (has ) Tj ET Q q 0 0 0 rg BT 543.14 394.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 61.01 382.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 110.33 382.10 Td (with ) Tj ET Q q 0 0 0 rg BT 131.34 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.78 382.10 Td (loan) Tj ET Q q 0 0 0 rg BT 166.78 382.10 Td (s ) Tj ET Q q 0 0 0 rg BT 173.90 382.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 213.23 382.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 238.68 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 253.57 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.24 382.10 Td (period ) Tj ET Q q 0 0 0 rg BT 290.01 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.57 382.10 Td (six ) Tj ET Q q 0 0 0 rg BT 316.47 382.10 Td (months ) Tj ET Q q 0 0 0 rg BT 349.15 382.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 393.49 382.10 Td (over ) Tj ET Q q 0 0 0 rg BT 414.48 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 422.15 382.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 459.25 382.10 Td (year) Tj ET Q q 0 0 0 rg BT 476.25 382.10 Td (-end\) ) Tj ET Q q 0 0 0 rg BT 500.58 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.25 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.70 382.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.45 370.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 98.45 370.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 141.01 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 147.46 370.10 Td (market ) Tj ET Q q 0 0 0 rg BT 177.24 370.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 194.24 370.10 Td (at ) Tj ET Q q 0 0 0 rg BT 203.48 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.71 370.10 Td (time ) Tj ET Q q 0 0 0 rg BT 237.50 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.85 370.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 303.31 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 320.88 370.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 359.65 370.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 387.78 370.10 Td (Division, ) Tj ET Q q 0 0 0 rg BT 426.75 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.54 370.10 Td (consultation ) Tj ET Q q 0 0 0 rg BT 487.44 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 507.24 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.47 370.10 Td (respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 70.15 358.10 Td (of) Tj ET Q q 0 0 0 rg BT 78.30 358.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 96.21 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 101.65 358.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 148.45 358.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 183.59 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.75 358.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 237.78 358.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 270.15 358.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 288.07 358.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 337.09 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 344.46 358.10 Td (current ) Tj ET Q q 0 0 0 rg BT 375.71 358.10 Td (market ) Tj ET Q q 0 0 0 rg BT 406.40 358.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 424.32 358.10 Td (at ) Tj ET Q q 0 0 0 rg BT 434.47 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.62 358.10 Td (time ) Tj ET Q q 0 0 0 rg BT 470.33 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.59 358.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 538.12 358.10 Td (Using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (knowledge ) Tj ET Q q 0 0 0 rg BT 96.39 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.23 346.10 Td (current ) Tj ET Q q 0 0 0 rg BT 138.06 346.10 Td (market ) Tj ET Q q 0 0 0 rg BT 168.33 346.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 212.51 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.46 346.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 253.35 346.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 303.07 346.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 333.91 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 346.42 346.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 373.36 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 393.09 346.10 Td (originations, ) Tj ET Q q 0 0 0 rg BT 445.87 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.82 346.10 Td (an ) Tj ET Q q 0 0 0 rg BT 474.77 346.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 521.72 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 532.57 346.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 110.57 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.28 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.88 334.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 177.36 334.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.96 334.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 242.44 334.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 283.02 334.10 Td (position ) Tj ET Q q 0 0 0 rg BT 318.63 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.44 334.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 374.26 334.10 Td (history\), ) Tj ET Q q 0 0 0 rg BT 411.25 334.10 Td (an ) Tj ET Q q 0 0 0 rg BT 424.07 334.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 472.98 334.10 Td (market ) Tj ET Q q 0 0 0 rg BT 504.12 334.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 522.49 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 537.53 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 545.35 334.10 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 89.20 322.10 Td (with ) Tj ET Q q 0 0 0 rg BT 109.53 322.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 139.86 322.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 157.41 322.10 Td (is ) Tj ET Q q 0 0 0 rg BT 166.63 322.10 Td (determined. ) Tj ET Q q 0 0 0 rg BT 216.66 322.10 Td (If ) Tj ET Q q 0 0 0 rg BT 225.87 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.64 322.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 279.29 322.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 311.28 322.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 328.82 322.10 Td (meets ) Tj ET Q q 0 0 0 rg BT 354.69 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 365.57 322.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 399.77 322.10 Td (this ) Tj ET Q q 0 0 0 rg BT 416.77 322.10 Td (market ) Tj ET Q q 0 0 0 rg BT 447.08 322.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 464.62 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 478.83 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 485.82 322.10 Td (new ) Tj ET Q q 0 0 0 rg BT 505.03 322.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 544.24 322.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 80.39 310.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 100.52 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.35 310.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 154.08 310.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 186.13 310.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 203.74 310.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 246.90 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.96 310.10 Td (market ) Tj ET Q q 0 0 0 rg BT 284.34 310.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 301.95 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 311.79 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.62 310.10 Td (time ) Tj ET Q q 0 0 0 rg BT 347.02 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.97 310.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 413.61 310.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 463.51 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 468.63 310.10 Td (before ) Tj ET Q q 0 0 0 rg BT 496.79 310.10 Td (removing ) Tj ET Q q 0 0 0 rg BT 537.73 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 544.79 310.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.26 298.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 93.23 298.10 Td (classification, ) Tj ET Q q 0 0 0 rg BT 150.45 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 156.85 298.10 Td (review ) Tj ET Q q 0 0 0 rg BT 186.02 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 196.32 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.50 298.10 Td (current ) Tj ET Q q 0 0 0 rg BT 240.78 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 251.07 298.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 295.25 298.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 335.53 298.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 383.60 298.10 Td (on ) Tj ET Q q 0 0 0 rg BT 395.56 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.74 298.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 428.92 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.33 298.10 Td (any ) Tj ET Q q 0 0 0 rg BT 461.73 298.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 499.23 298.10 Td (related ) Tj ET Q q 0 0 0 rg BT 528.40 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 538.14 298.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 102.84 286.10 Td (by ) Tj ET Q q 0 0 0 rg BT 115.16 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.69 286.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 168.66 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 177.64 286.10 Td (conducted. ) Tj ET Q q 0 0 0 rg BT 223.55 286.10 Td (If ) Tj ET Q q 0 0 0 rg BT 232.53 286.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 270.39 286.10 Td (exist ) Tj ET Q q 0 0 0 rg BT 291.59 286.10 Td (about ) Tj ET Q q 0 0 0 rg BT 316.12 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.66 286.10 Td (future ) Tj ET Q q 0 0 0 rg BT 356.85 286.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 384.72 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.37 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.90 286.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 448.87 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.96 286.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 480.71 286.10 Td (its ) Tj ET Q q 0 0 0 rg BT 492.48 286.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 539.24 286.10 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 274.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 88.33 274.10 Td (based ) Tj ET Q q 0 0 0 rg BT 113.59 274.10 Td (on ) Tj ET Q q 0 0 0 rg BT 126.09 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 133.03 274.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 158.30 274.10 Td (review ) Tj ET Q q 0 0 0 rg BT 188.00 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 200.50 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.22 274.10 Td (Managed ) Tj ET Q q 0 0 0 rg BT 254.38 274.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 282.99 274.10 Td (Division, ) Tj ET Q q 0 0 0 rg BT 322.44 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.97 274.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 359.47 274.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 414.73 274.10 Td (is ) Tj ET Q q 0 0 0 rg BT 423.90 274.10 Td (not ) Tj ET Q q 0 0 0 rg BT 439.18 274.10 Td (removed ) Tj ET Q q 0 0 0 rg BT 476.67 274.10 Td (from ) Tj ET Q q 0 0 0 rg BT 498.60 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.32 274.10 Td (loan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 75.86 253.10 Td (are ) Tj ET Q q 0 0 0 rg BT 90.03 253.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 128.65 253.10 Td (at ) Tj ET Q q 0 0 0 rg BT 137.83 253.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.02 253.10 Td (time ) Tj ET Q q 0 0 0 rg BT 171.76 253.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.06 253.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 235.12 253.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.53 253.10 Td (on ) Tj ET Q q 0 0 0 rg BT 263.50 253.10 Td (a ) Tj ET Q q 0 0 0 rg BT 269.90 253.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 307.96 253.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 329.93 253.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.68 253.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 381.63 253.10 Td (if ) Tj ET Q q 0 0 0 rg BT 389.70 253.10 Td (a ) Tj ET Q q 0 0 0 rg BT 396.11 253.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 429.17 253.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 460.00 253.10 Td (is ) Tj ET Q q 0 0 0 rg BT 468.64 253.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 506.86 253.10 Td (. ) Tj ET Q q 0 0 0 rg BT 511.19 253.10 Td (The ) Tj ET Q q 0 0 0 rg BT 528.70 253.10 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.77 241.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.88 241.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.87 241.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 128.86 241.10 Td (is ) Tj ET Q q 0 0 0 rg BT 138.31 241.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 180.51 241.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.06 241.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.05 241.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 244.36 241.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 285.46 241.10 Td (to ) Tj ET Q q 0 0 0 rg BT 296.02 241.10 Td (be ) Tj ET Q q 0 0 0 rg BT 308.23 241.10 Td (received, ) Tj ET Q q 0 0 0 rg BT 347.37 241.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 393.47 241.10 Td (at ) Tj ET Q q 0 0 0 rg BT 403.46 241.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.46 241.10 Td (loan) Tj ET Q q 0 0 0 rg BT 438.45 241.10 Td (s ) Tj ET Q q 0 0 0 rg BT 445.12 241.10 Td (original ) Tj ET Q q 0 0 0 rg BT 479.00 241.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 499.26 241.10 Td (or ) Tj ET Q q 0 0 0 rg BT 510.37 241.10 Td (for ) Tj ET Q q 0 0 0 rg BT 524.80 241.10 Td (collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 93.75 229.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 120.02 229.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.46 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.34 229.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 161.88 229.10 Td (value ) Tj ET Q q 0 0 0 rg BT 186.19 229.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.18 229.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.06 229.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 254.42 229.10 Td ( ) Tj ET Q q 0 0 0 rg BT 256.49 229.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 276.37 229.10 Td (shortfall ) Tj ET Q q 0 0 0 rg BT 312.35 229.10 Td (is ) Tj ET Q q 0 0 0 rg BT 321.69 229.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 359.32 229.10 Td (as ) Tj ET Q q 0 0 0 rg BT 370.31 229.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.41 229.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 411.16 229.10 Td (reserve. ) Tj ET Q q 0 0 0 rg BT 445.00 229.10 Td (The ) Tj ET Q q 0 0 0 rg BT 463.21 229.10 Td (Company) Tj ET Q q 0 0 0 rg BT 501.44 229.10 Td (, ) Tj ET Q q 0 0 0 rg BT 506.60 229.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.04 229.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.73 217.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 91.68 217.10 Td (310-10, ) Tj ET Q q 0 0 0 rg BT 125.01 217.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 165.83 217.10 Td (to ) Tj ET Q q 0 0 0 rg BT 176.11 217.10 Td (individually ) Tj ET Q q 0 0 0 rg BT 226.94 217.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 262.76 217.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 311.36 217.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.19 217.10 Td (these ) Tj ET Q q 0 0 0 rg BT 345.23 217.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 368.84 217.10 Td (after ) Tj ET Q q 0 0 0 rg BT 389.66 217.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.19 217.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 426.69 217.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 481.95 217.10 Td (is ) Tj ET Q q 0 0 0 rg BT 491.12 217.10 Td (removed.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 72.56 196.10 Td (TDR ) Tj ET Q q 0 0 0 rg BT 95.33 196.10 Td (was ) Tj ET Q q 0 0 0 rg BT 113.65 196.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 153.06 196.10 Td (for ) Tj ET Q q 0 0 0 rg BT 167.49 196.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 216.36 196.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.35 196.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 285.20 196.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.20 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 307.97 196.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.18 196.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.71 196.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 405.98 196.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.87 196.10 Td ( ) Tj ET Q q 0 0 0 rg BT 437.64 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.74 196.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 497.61 196.10 Td (was ) Tj ET Q q 0 0 0 rg BT 515.93 196.10 Td (present ) Tj ET Q q 0 0 0 rg BT 547.58 196.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 106.29 184.10 Td (reserved ) Tj ET Q q 0 0 0 rg BT 143.13 184.10 Td (for ) Tj ET Q q 0 0 0 rg BT 157.76 184.10 Td (through ) Tj ET Q q 0 0 0 rg BT 191.85 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.04 184.10 Td (Company) Tj ET Q q 0 0 0 rg BT 248.70 184.10 Td (s ) Tj ET Q q 0 0 0 rg BT 255.57 184.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 286.87 184.10 Td (reserving ) Tj ET Q q 0 0 0 rg BT 327.05 184.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 382.80 184.10 Td (in ) Tj ET Q q 0 0 0 rg BT 393.55 184.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.75 184.10 Td (Company) Tj ET Q q 0 0 0 rg BT 450.41 184.10 Td (s ) Tj ET Q q 0 0 0 rg BT 457.28 184.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 500.79 184.10 Td (for ) Tj ET Q q 0 0 0 rg BT 515.42 184.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 535.61 184.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 564.50 184.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.92 172.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 94.08 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.13 172.10 Td (which ) Tj ET Q q 0 0 0 rg BT 132.84 172.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 182.21 172.10 Td (is ) Tj ET Q q 0 0 0 rg BT 192.15 172.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 235.94 172.10 Td (by ) Tj ET Q q 0 0 0 rg BT 249.21 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.70 172.10 Td (present ) Tj ET Q q 0 0 0 rg BT 296.84 172.10 Td (value ) Tj ET Q q 0 0 0 rg BT 321.77 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.37 172.10 Td (future ) Tj ET Q q 0 0 0 rg BT 360.51 172.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 381.55 172.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 409.54 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.03 172.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 467.18 172.10 Td (records ) Tj ET Q q 0 0 0 rg BT 499.88 172.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 172.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 101.21 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.21 160.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 151.40 160.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.96 160.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 208.84 160.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 245.62 160.10 Td (from ) Tj ET Q q 0 0 0 rg BT 266.84 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.84 160.10 Td (passage ) Tj ET Q q 0 0 0 rg BT 313.72 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.83 160.10 Td (time ) Tj ET Q q 0 0 0 rg BT 343.39 160.10 Td (during ) Tj ET Q q 0 0 0 rg BT 371.28 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.28 160.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 427.59 160.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 457.42 160.10 Td (which ) Tj ET Q q 0 0 0 rg BT 483.64 160.10 Td (dif) Tj ET Q q 0 0 0 rg BT 494.57 160.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 511.34 160.10 Td (from ) Tj ET Q q 0 0 0 rg BT 532.56 160.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (income ) Tj ET Q q 0 0 0 rg BT 81.10 148.10 Td (from ) Tj ET Q q 0 0 0 rg BT 102.20 148.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 156.06 148.10 Td (required ) Tj ET Q q 0 0 0 rg BT 191.04 148.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 222.14 148.10 Td (on ) Tj ET Q q 0 0 0 rg BT 233.80 148.10 Td (these ) Tj ET Q q 0 0 0 rg BT 256.01 148.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 288.77 148.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 314.04 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 315.71 148.10 Td (For ) Tj ET Q q 0 0 0 rg BT 331.26 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.14 148.10 Td (year ) Tj ET Q q 0 0 0 rg BT 364.02 148.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.56 148.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 447.30 148.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.30 148.10 Td ( ) Tj ET Q q 0 0 0 rg BT 468.97 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.07 148.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 509.24 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 148.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.48 136.10 Td ($573,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.98 136.10 Td ( ) Tj ET Q q 0 0 0 rg BT 127.48 136.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.41 136.10 Td ($724,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.91 136.10 Td (, ) Tj ET Q q 0 0 0 rg BT 186.91 136.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 234.58 136.10 Td (, ) Tj ET Q q 0 0 0 rg BT 239.58 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.85 136.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 281.79 136.10 Td (income ) Tj ET Q q 0 0 0 rg BT 313.72 136.10 Td (representing ) Tj ET Q q 0 0 0 rg BT 365.64 136.10 Td (this ) Tj ET Q q 0 0 0 rg BT 382.59 136.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 419.51 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 429.79 136.10 Td (impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 77.61 112.10 Td (may ) Tj ET Q q 0 0 0 rg BT 98.55 112.10 Td (arise ) Tj ET Q q 0 0 0 rg BT 121.15 112.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.65 112.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 163.31 112.10 Td (due ) Tj ET Q q 0 0 0 rg BT 181.47 112.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.97 112.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 231.68 112.10 Td (dif) Tj ET Q q 0 0 0 rg BT 242.60 112.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 278.54 112.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 330.56 112.10 Td (by ) Tj ET Q q 0 0 0 rg BT 344.28 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.22 112.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 396.47 112.10 Td (, ) Tj ET Q q 0 0 0 rg BT 402.69 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.63 112.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 461.24 112.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 493.85 112.10 Td (through ) Tj ET Q q 0 0 0 rg BT 528.68 112.10 Td (physical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (possession ) Tj ET Q q 0 0 0 rg BT 94.53 100.10 Td (one ) Tj ET Q q 0 0 0 rg BT 110.71 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 120.78 100.10 Td (more ) Tj ET Q q 0 0 0 rg BT 143.07 100.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 182.01 100.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 207.08 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 216.60 100.10 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 263.88 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.96 100.10 Td (all ) Tj ET Q q 0 0 0 rg BT 285.69 100.10 Td (or ) Tj ET Q q 0 0 0 rg BT 295.77 100.10 Td (part ) Tj ET Q q 0 0 0 rg BT 313.05 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.13 100.10 Td (an ) Tj ET Q q 0 0 0 rg BT 334.31 100.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 367.71 100.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 394.72 100.10 Td (Once ) Tj ET Q q 0 0 0 rg BT 417.56 100.10 Td (possession ) Tj ET Q q 0 0 0 rg BT 462.09 100.10 Td (is ) Tj ET Q q 0 0 0 rg BT 470.50 100.10 Td (obtained, ) Tj ET Q q 0 0 0 rg BT 509.17 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 100.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (reclassifies ) Tj ET Q q 0 0 0 rg BT 97.39 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.57 88.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 161.06 88.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 192.92 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.21 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.39 88.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 262.90 88.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 296.39 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.69 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.87 88.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 348.59 88.10 Td (from ) Tj ET Q q 0 0 0 rg BT 371.00 88.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 395.07 88.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.81 88.10 Td (OREO, ) Tj ET Q q 0 0 0 rg BT 438.50 88.10 Td (which ) Tj ET Q q 0 0 0 rg BT 465.90 88.10 Td (is ) Tj ET Q q 0 0 0 rg BT 475.53 88.10 Td (included ) Tj ET Q q 0 0 0 rg BT 512.93 88.10 Td (within ) Tj ET Q q 0 0 0 rg BT 541.45 88.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.91 76.10 Td (in ) Tj ET Q q 0 0 0 rg BT 86.27 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.07 76.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 156.43 76.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 202.89 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.80 76.10 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 258.89 76.10 Td (For ) Tj ET Q q 0 0 0 rg BT 275.36 76.10 Td (any ) Tj ET Q q 0 0 0 rg BT 292.38 76.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 336.62 76.10 Td (real ) Tj ET Q q 0 0 0 rg BT 354.18 76.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 379.53 76.10 Td (property ) Tj ET Q q 0 0 0 rg BT 415.99 76.10 Td (collateralizing ) Tj ET Q q 0 0 0 rg BT 475.76 76.10 Td (a ) Tj ET Q q 0 0 0 rg BT 482.78 76.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 524.24 76.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 72.10 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.70 64.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 127.98 64.10 Td (is ) Tj ET Q q 0 0 0 rg BT 137.03 64.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 182.73 64.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.90 64.10 Td (possess ) Tj ET Q q 0 0 0 rg BT 225.29 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.89 64.10 Td (related ) Tj ET Q q 0 0 0 rg BT 269.48 64.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 309.06 64.10 Td (only ) Tj ET Q q 0 0 0 rg BT 329.22 64.10 Td (if ) Tj ET Q q 0 0 0 rg BT 337.71 64.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 359.53 64.10 Td (title ) Tj ET Q q 0 0 0 rg BT 377.47 64.10 Td (is ) Tj ET Q q 0 0 0 rg BT 386.53 64.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 423.34 64.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 445.73 64.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 493.11 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.82 64.10 Td (foreclosure, ) Tj ET Q q 0 0 0 rg BT 553.68 64.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.07 52.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 104.58 52.10 Td (conveys ) Tj ET Q q 0 0 0 rg BT 140.20 52.10 Td (all ) Tj ET Q q 0 0 0 rg BT 153.05 52.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 185.33 52.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.97 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.04 52.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 255.54 52.10 Td (real ) Tj ET Q q 0 0 0 rg BT 273.38 52.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 299.00 52.10 Td (property ) Tj ET Q q 0 0 0 rg BT 335.73 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.36 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.43 52.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 403.17 52.10 Td (through ) Tj ET Q q 0 0 0 rg BT 437.14 52.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 484.98 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.16 52.10 Td (a ) Tj ET Q q 0 0 0 rg BT 503.46 52.10 Td (deed ) Tj ET Q q 0 0 0 rg BT 525.19 52.10 Td (in ) Tj ET Q q 0 0 0 rg BT 535.82 52.10 Td (lieu ) Tj ET Q q 0 0 0 rg BT 553.67 52.10 Td (of ) Tj ET Q endstream endobj 253 0 obj <> endobj 254 0 obj <> stream BT /F1 10.00 Tf 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1 rg /GS0 gs 263.50 279.60 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 279.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 279.60 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 279.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 279.60 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 279.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 279.60 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 279.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 279.60 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 279.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 279.60 39.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 279.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 279.60 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 253.60 79.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 129.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 133.50 253.60 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 172.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 176.50 253.60 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 253.60 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 253.60 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 253.60 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 253.60 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 253.60 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 253.60 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 253.60 39.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 253.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 253.60 40.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 683.6 m 129.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 683.6 m 133.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 683.6 m 172.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 654.6 m 172.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 683.6 m 176.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 654.6 m 176.5 654.6 l 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s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 474.6 m 522.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 461.6 m 522.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 474.6 m 562.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 461.6 m 562.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 441.6 m 129.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 441.6 m 133.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 441.6 m 172.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 412.6 m 172.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 441.6 m 176.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 412.6 m 176.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 441.6 m 215.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 412.6 m 215.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 441.6 m 219.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 412.6 m 219.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 441.6 m 259.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 412.6 m 259.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 441.6 m 263.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 412.6 m 263.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 441.6 m 302.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 412.6 m 302.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 441.6 m 306.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 412.6 m 306.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 441.6 m 345.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 412.6 m 345.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 441.6 m 349.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 412.6 m 349.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 441.6 m 388.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 412.6 m 388.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 441.6 m 392.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 412.6 m 392.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 441.6 m 432.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 412.6 m 432.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 441.6 m 436.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 412.6 m 436.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 441.6 m 475.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 412.6 m 475.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 441.6 m 479.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 412.6 m 479.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 441.6 m 518.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 412.6 m 518.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 441.6 m 522.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 412.6 m 522.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 441.6 m 562.5 441.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 412.6 m 562.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 399.6 m 129.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 399.6 m 133.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 399.6 m 172.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 399.6 m 176.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 399.6 m 215.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 399.6 m 219.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 399.6 m 259.5 399.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 399.6 m 263.5 399.6 l 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3 M 50.5 219.60000000000002 m 129.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 219.60000000000002 m 133.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 219.60000000000002 m 172.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 219.60000000000002 m 176.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 219.60000000000002 m 215.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 219.60000000000002 m 219.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 219.60000000000002 m 259.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 219.60000000000002 m 263.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 219.60000000000002 m 302.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 219.60000000000002 m 306.5 219.60000000000002 l s 0 0 0 RG /GS0 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219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 219.60000000000002 m 562.5 219.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 54.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 54.10000000000002 m 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8.00 Tf ET q 0 0 0 rg BT 352.00 611.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 611.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.25 611.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.00 611.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 611.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 611.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 525.00 611.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 611.83 Td () Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 53.00 599.69 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 586.55 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 578.55 Td (construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 161.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 577.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 577.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 565.55 Td (Land) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 161.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 564.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 564.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 552.55 Td (Office) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 161.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 551.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 551.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 539.55 Td (Industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 165.30 538.83 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.25 538.83 Td (169) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 538.83 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 538.83 Td (169) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.25 538.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 538.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.30 538.83 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.25 538.83 Td (169) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 538.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 538.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 526.55 Td (Retail) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 161.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 525.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 525.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 513.55 Td (Multi-family) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 161.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 204.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 512.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 512.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 500.55 Td (Mixed use and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 165.30 499.83 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.25 499.83 Td (201) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 499.83 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.25 499.83 Td (201) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.25 499.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.25 499.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.30 499.83 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.25 499.83 Td (201) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 499.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 499.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 487.55 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 479.55 Td (and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 165.30 478.83 Td (9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 194.25 478.83 Td (1,664) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 252.30 478.83 Td (9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.25 478.83 Td (1,664) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.30 478.83 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.25 478.83 Td (674) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.30 478.83 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.25 478.83 Td (50) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 478.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 478.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 466.55 Td (Total loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 161.25 465.83 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 179.00 465.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 194.25 465.83 Td (2,034) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.25 465.83 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 266.00 465.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 281.25 465.83 Td (2,034) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.30 465.83 Td (5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.00 465.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.25 465.83 Td (674) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 425.30 465.83 Td (4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.00 465.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.25 465.83 Td (420) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.25 465.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 525.00 465.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 551.25 465.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 424.85 Td (Y) Tj ET Q q 0 0 0 rg BT 57.98 424.85 Td (ear ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 416.85 Td (December31,2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 158.15 416.83 Td (T) Tj ET Q q 0 0 0 rg BT 162.75 416.83 Td (otal ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 177.64 420.46 Td (\(1\)\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.25 432.83 Td (Extensionat) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.15 424.83 Td (BelowMarket) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.70 416.83 Td (T) Tj ET Q q 0 0 0 rg BT 250.30 416.83 Td (erms ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 269.18 420.46 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.10 424.83 Td (Reductionof) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.70 416.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 337.88 416.83 Td (estRate ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 367.20 420.46 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 407.15 432.83 Td (Modificationto) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.55 424.83 Td (Inter) Tj ET Q q 0 0 0 rg BT 428.73 424.83 Td (est-only) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 412.80 416.83 Td (Payments ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 448.13 420.46 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.65 416.83 Td (ForgivenessofDebt ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 552.19 420.46 Td (\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 403.85 Td (\(Dollarsinthousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 141.80 403.83 Td (Count) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 181.90 403.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 228.30 403.83 Td (Count) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.90 403.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.80 403.83 Td (Count) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.90 403.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 401.30 403.83 Td (Count) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 441.90 403.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 487.80 403.83 Td (Count) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.40 403.83 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 391.55 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 378.55 Td (Commercial and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 370.55 Td (industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 369.85 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 179.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.25 369.85 Td (1,549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 369.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 369.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.25 369.85 Td (88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 369.85 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg 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0.9333333333333333 1 rg /GS0 gs 259.50 549.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 549.50 39.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.50 549.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 549.50 39.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 549.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 549.50 39.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 549.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 549.50 40.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 549.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 549.50 39.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 549.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 549.50 39.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 549.50 4.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 522.50 549.50 40.00 -19.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 736.5 m 129.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 736.5 m 133.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 736.5 m 172.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 708.5 m 172.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 736.5 m 176.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 708.5 m 176.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 736.5 m 215.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 708.5 m 215.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 736.5 m 219.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 708.5 m 219.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 736.5 m 259.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 708.5 m 259.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 736.5 m 263.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 708.5 m 263.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 736.5 m 302.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 708.5 m 302.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 736.5 m 306.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 708.5 m 306.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 736.5 m 345.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 708.5 m 345.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 736.5 m 349.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 708.5 m 349.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 736.5 m 388.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 708.5 m 388.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 736.5 m 392.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 708.5 m 392.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 736.5 m 432.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 708.5 m 432.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 736.5 m 436.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 708.5 m 436.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 736.5 m 475.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 708.5 m 475.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 736.5 m 479.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 708.5 m 479.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 736.5 m 518.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 708.5 m 518.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 736.5 m 522.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 708.5 m 522.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 736.5 m 562.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 708.5 m 562.5 708.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 695.5 m 129.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 695.5 m 133.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 695.5 m 172.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 695.5 m 176.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 695.5 m 215.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 695.5 m 219.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 695.5 m 259.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 695.5 m 263.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 695.5 m 302.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 695.5 m 306.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 695.5 m 345.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 695.5 m 349.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 695.5 m 388.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 695.5 m 392.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 695.5 m 432.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 695.5 m 436.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 695.5 m 475.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 695.5 m 479.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 695.5 m 518.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 695.5 m 522.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 695.5 m 562.5 695.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 530.5 m 172.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 530.5 m 176.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 530.5 m 215.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 530.5 m 219.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 530.5 m 259.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 530.5 m 263.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 530.5 m 302.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 530.5 m 306.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 530.5 m 345.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 530.5 m 349.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 530.5 m 388.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 530.5 m 392.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 530.5 m 432.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 530.5 m 436.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 530.5 m 475.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 530.5 m 479.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 530.5 m 518.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 530.5 m 522.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 530.5 m 562.5 530.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 517.5 m 129.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 129.5 517.5 m 133.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 133.5 517.5 m 172.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 172.5 517.5 m 176.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 176.5 517.5 m 215.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 517.5 m 219.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 517.5 m 259.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 517.5 m 263.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 517.5 m 302.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 302.5 517.5 m 306.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 517.5 m 345.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 517.5 m 349.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 517.5 m 388.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 517.5 m 392.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 517.5 m 432.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 432.5 517.5 m 436.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 517.5 m 475.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 517.5 m 479.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 517.5 m 518.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 517.5 m 522.5 517.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 522.5 517.5 m 562.5 517.5 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 720.75 Td (Y) Tj ET Q q 0 0 0 rg BT 57.98 720.75 Td (ear ended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 712.75 Td (December31,2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 158.15 712.73 Td (T) Tj ET Q q 0 0 0 rg BT 162.75 712.73 Td (otal ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 177.64 716.36 Td (\(1\)\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 239.25 728.58 Td (Extensionat) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.15 720.58 Td (BelowMarket) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 245.70 712.58 Td (T) Tj ET Q q 0 0 0 rg BT 250.30 712.58 Td (erms ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 269.18 716.21 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.10 720.73 Td (Reductionof) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.70 712.73 Td (Inter) Tj ET Q q 0 0 0 rg BT 337.88 712.73 Td (estRate ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 367.20 716.36 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 407.15 728.58 Td (Modificationto) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.55 720.58 Td (Inter) Tj ET Q q 0 0 0 rg BT 428.73 720.58 Td (est-only) Tj ET Q BT 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Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.25 665.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 525.00 665.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 665.75 Td () Tj ET Q BT /F1 7.80 Tf ET q 0 0 0 rg BT 53.00 653.59 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 640.45 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 632.45 Td (construction) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 631.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.25 631.75 Td (6,120) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 631.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.25 631.75 Td (6,120) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.25 631.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 377.25 631.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 631.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 454.25 631.75 Td (6,120) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.25 631.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 631.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 619.45 Td (Land) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 618.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.25 618.75 Td (2,639) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 618.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.25 618.75 Td (2,639) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 618.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.25 618.75 Td (287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 618.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.25 618.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.30 618.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 618.75 Td (73) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 606.45 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 605.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.25 605.75 Td (4,021) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 605.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.25 605.75 Td (4,021) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 605.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.25 605.75 Td (556) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 605.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.25 605.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.25 605.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 605.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 593.45 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 592.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.25 592.75 Td (949) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 592.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 592.75 Td (949) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 592.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.25 592.75 Td (949) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 592.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.25 592.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.25 592.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 592.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 580.45 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 579.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.25 579.75 Td (200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 579.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 579.75 Td (200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 579.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.25 579.75 Td (200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 579.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.25 579.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.25 579.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 579.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 567.45 Td (Multi-family) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 566.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 200.25 566.75 Td (705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 566.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 287.25 566.75 Td (705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 566.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.25 566.75 Td (705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.25 566.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.25 566.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.25 566.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 566.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 554.45 Td (Mixed use and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.30 553.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.25 553.75 Td (5,042) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 553.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.25 553.75 Td (5,042) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 553.75 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 553.75 Td (4,947) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 553.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.25 553.75 Td (932) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 507.25 553.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.25 553.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 541.45 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 533.45 Td (and other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.25 534.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 194.25 534.75 Td (2,296) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.30 534.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.25 534.75 Td (1,613) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 534.75 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.25 534.75 Td (931) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 534.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 460.25 534.75 Td (234) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.30 534.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 534.75 Td (1,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 522.45 Td (Total loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.25 521.75 Td (35) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 179.00 521.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 190.25 521.75 Td (22,680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 521.75 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.00 521.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.25 521.75 Td (21,862) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.25 521.75 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.00 521.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.25 521.75 Td (9,128) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 521.75 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.00 521.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 454.25 521.75 Td (7,471) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.30 521.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 525.00 521.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 521.75 Td (1,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 564.00 518.00 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 506.00 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 506.00 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 104.79 506.00 Td (may ) Tj ET Q q 0 0 0 rg BT 123.01 506.00 Td (have ) Tj ET Q q 0 0 0 rg BT 143.44 506.00 Td (mor) Tj ET Q q 0 0 0 rg BT 159.18 506.00 Td (e ) Tj ET Q q 0 0 0 rg BT 165.18 506.00 Td (than ) Tj ET Q q 0 0 0 rg BT 184.51 506.00 Td (one ) Tj ET Q q 0 0 0 rg BT 200.51 506.00 Td (modification ) Tj ET Q q 0 0 0 rg BT 252.62 506.00 Td (r) Tj ET Q q 0 0 0 rg BT 256.14 506.00 Td (epr) Tj ET Q q 0 0 0 rg BT 269.10 506.00 Td (esenting ) Tj ET Q q 0 0 0 rg BT 303.98 506.00 Td (a ) Tj ET Q q 0 0 0 rg BT 310.53 506.00 Td (concession. ) Tj ET Q q 0 0 0 rg BT 358.35 506.00 Td (As ) Tj ET Q q 0 0 0 rg BT 369.91 506.00 Td (such, ) Tj ET Q q 0 0 0 rg BT 392.30 506.00 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 416.64 506.00 Td (during ) Tj ET Q q 0 0 0 rg BT 444.86 506.00 Td (the ) Tj ET Q q 0 0 0 rg BT 458.64 506.00 Td (period ) Tj ET Q q 0 0 0 rg BT 486.30 506.00 Td (may ) Tj ET Q q 0 0 0 rg BT 504.52 506.00 Td (be ) Tj ET Q q 0 0 0 rg BT 515.51 506.00 Td (r) Tj ET Q q 0 0 0 rg BT 519.04 506.00 Td (epr) Tj ET Q q 0 0 0 rg BT 531.99 506.00 Td (esented ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 494.00 Td (in ) Tj ET Q q 0 0 0 rg BT 90.73 494.00 Td (mor) Tj ET Q q 0 0 0 rg BT 106.47 494.00 Td (e ) Tj ET Q q 0 0 0 rg BT 113.41 494.00 Td (than ) Tj ET Q q 0 0 0 rg BT 133.69 494.00 Td (one ) Tj ET Q q 0 0 0 rg BT 150.63 494.00 Td (of ) Tj ET Q q 0 0 0 rg BT 160.90 494.00 Td (the ) Tj ET Q q 0 0 0 rg BT 175.62 494.00 Td (categories ) Tj ET Q q 0 0 0 rg BT 219.78 494.00 Td (noted ) Tj ET Q q 0 0 0 rg BT 244.49 494.00 Td (above.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 482.00 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 482.00 Td (Balances ) Tj ET Q q 0 0 0 rg BT 119.61 482.00 Td (r) Tj ET Q q 0 0 0 rg BT 123.13 482.00 Td (epr) Tj ET Q q 0 0 0 rg BT 136.08 482.00 Td (esent ) Tj ET Q q 0 0 0 rg BT 159.13 482.00 Td (the ) Tj ET Q q 0 0 0 rg BT 173.85 482.00 Td (r) Tj ET Q q 0 0 0 rg BT 177.37 482.00 Td (ecor) Tj ET Q q 0 0 0 rg BT 194.77 482.00 Td (ded ) Tj ET Q q 0 0 0 rg BT 211.70 482.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 256.97 482.00 Td (in ) Tj ET Q q 0 0 0 rg BT 267.25 482.00 Td (the ) Tj ET Q q 0 0 0 rg BT 281.96 482.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 302.24 482.00 Td (at ) Tj ET Q q 0 0 0 rg BT 312.52 482.00 Td (the ) Tj ET Q q 0 0 0 rg BT 327.24 482.00 Td (time ) Tj ET Q q 0 0 0 rg BT 346.95 482.00 Td (of ) Tj ET Q q 0 0 0 rg BT 357.23 482.00 Td (the ) Tj ET Q q 0 0 0 rg BT 371.95 482.00 Td (r) Tj ET Q q 0 0 0 rg BT 375.47 482.00 Td (estructuring.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.00 Td (During ) Tj ET Q q 0 0 0 rg BT 81.07 458.00 Td (the ) Tj ET Q q 0 0 0 rg BT 96.03 458.00 Td (year ) Tj ET Q q 0 0 0 rg BT 115.97 458.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.59 458.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 201.41 458.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.41 458.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.65 458.00 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 246.89 458.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.78 458.00 Td (, ) Tj ET Q q 0 0 0 rg BT 281.02 458.00 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.09 458.00 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.09 458.00 Td ( ) Tj ET Q q 0 0 0 rg BT 304.83 458.00 Td (loans, ) Tj ET Q q 0 0 0 rg BT 331.18 458.00 Td (were ) Tj ET Q q 0 0 0 rg BT 353.34 458.00 Td (determined ) Tj ET Q q 0 0 0 rg BT 401.06 458.00 Td (to ) Tj ET Q q 0 0 0 rg BT 411.58 458.00 Td (be ) Tj ET Q q 0 0 0 rg BT 423.56 458.00 Td (TDRs, ) Tj ET Q q 0 0 0 rg BT 452.69 458.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 494.86 458.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.37 458.00 Td ($12.0 ) Tj ET Q q 0 0 0 rg BT 530.61 458.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 458.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.00 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.41 446.00 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.41 446.00 Td ( ) Tj ET Q q 0 0 0 rg BT 74.49 446.00 Td (loans, ) Tj ET Q q 0 0 0 rg BT 101.18 446.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.70 446.00 Td ($22.7 ) Tj ET Q q 0 0 0 rg BT 144.28 446.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.17 446.00 Td (, ) Tj ET Q q 0 0 0 rg BT 178.75 446.00 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.17 446.00 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.17 446.00 Td ( ) Tj ET Q q 0 0 0 rg BT 203.25 446.00 Td (loans, ) Tj ET Q q 0 0 0 rg BT 229.94 446.00 Td (in ) Tj ET Q q 0 0 0 rg BT 240.80 446.00 Td (the ) Tj ET Q q 0 0 0 rg BT 256.09 446.00 Td (years ) Tj ET Q q 0 0 0 rg BT 280.27 446.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.23 446.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.23 446.00 Td ( ) Tj ET Q q 0 0 0 rg BT 330.31 446.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.83 446.00 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.83 446.00 Td (, ) Tj ET Q q 0 0 0 rg BT 373.41 446.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 421.07 446.00 Td (. ) Tj ET Q q 0 0 0 rg BT 426.66 446.00 Td (Of ) Tj ET Q q 0 0 0 rg BT 440.29 446.00 Td (these ) Tj ET Q q 0 0 0 rg BT 463.92 446.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 488.11 446.00 Td (extended ) Tj ET Q q 0 0 0 rg BT 527.28 446.00 Td (at ) Tj ET Q q 0 0 0 rg BT 537.58 446.00 Td (below ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.00 Td (market ) Tj ET Q q 0 0 0 rg BT 80.58 434.00 Td (terms, ) Tj ET Q q 0 0 0 rg BT 108.11 434.00 Td (the ) Tj ET Q q 0 0 0 rg BT 123.14 434.00 Td (weighted ) Tj ET Q q 0 0 0 rg BT 162.61 434.00 Td (average ) Tj ET Q q 0 0 0 rg BT 196.51 434.00 Td (extension ) Tj ET Q q 0 0 0 rg BT 237.65 434.00 Td (had ) Tj ET Q q 0 0 0 rg BT 254.90 434.00 Td (a ) Tj ET Q q 0 0 0 rg BT 262.16 434.00 Td (term ) Tj ET Q q 0 0 0 rg BT 283.30 434.00 Td (of ) Tj ET Q q 0 0 0 rg BT 294.44 434.00 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.02 434.00 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.02 434.00 Td ( ) Tj ET Q q 0 0 0 rg BT 367.83 434.00 Td (months ) Tj ET Q q 0 0 0 rg BT 400.10 434.00 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.69 434.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.69 434.00 Td ( ) Tj ET Q q 0 0 0 rg BT 433.50 434.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 475.74 434.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.34 434.00 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.34 434.00 Td ( ) Tj ET Q q 0 0 0 rg BT 499.15 434.00 Td (months ) Tj ET Q q 0 0 0 rg BT 531.41 434.00 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.01 434.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.65 422.00 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.65 422.00 Td ( ) Tj ET Q q 0 0 0 rg BT 78.87 422.00 Td (months ) Tj ET Q q 0 0 0 rg BT 110.53 422.00 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.52 422.00 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.52 422.00 Td (. ) Tj ET Q q 0 0 0 rg BT 145.23 422.00 Td (Further) Tj ET Q q 0 0 0 rg BT 174.27 422.00 Td (, ) Tj ET Q q 0 0 0 rg BT 178.98 422.00 Td (the ) Tj ET Q q 0 0 0 rg BT 193.41 422.00 Td (weighted ) Tj ET Q q 0 0 0 rg BT 232.28 422.00 Td (average ) Tj ET Q q 0 0 0 rg BT 265.58 422.00 Td (decrease ) Tj ET Q q 0 0 0 rg BT 302.21 422.00 Td (in ) Tj ET Q q 0 0 0 rg BT 312.20 422.00 Td (the ) Tj ET Q q 0 0 0 rg BT 326.63 422.00 Td (stated ) Tj ET Q q 0 0 0 rg BT 352.17 422.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 383.81 422.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 401.01 422.00 Td (for ) Tj ET Q q 0 0 0 rg BT 414.89 422.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.21 422.00 Td (with ) Tj ET Q q 0 0 0 rg BT 458.20 422.00 Td (a ) Tj ET Q q 0 0 0 rg BT 464.85 422.00 Td (reduction ) Tj ET Q q 0 0 0 rg BT 504.83 422.00 Td (of ) Tj ET Q q 0 0 0 rg BT 515.37 422.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.02 422.00 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 410.00 Td (during ) Tj ET Q q 0 0 0 rg BT 78.22 410.00 Td (the ) Tj ET Q q 0 0 0 rg BT 92.55 410.00 Td (period ) Tj ET Q q 0 0 0 rg BT 120.21 410.00 Td (was ) Tj ET Q q 0 0 0 rg BT 137.88 410.00 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.75 410.00 Td (358) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.75 410.00 Td ( ) Tj ET Q q 0 0 0 rg BT 214.86 410.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 236.98 410.00 Td (points, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.04 410.00 Td (170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.04 410.00 Td ( ) Tj ET Q q 0 0 0 rg BT 283.15 410.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 305.26 410.00 Td (points ) Tj ET Q q 0 0 0 rg BT 331.83 410.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.38 410.00 Td (184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.38 410.00 Td ( ) Tj ET Q q 0 0 0 rg BT 365.49 410.00 Td (basis ) Tj ET Q q 0 0 0 rg BT 387.60 410.00 Td (points ) Tj ET Q q 0 0 0 rg BT 414.17 410.00 Td (during ) Tj ET Q q 0 0 0 rg BT 442.39 410.00 Td (the ) Tj ET Q q 0 0 0 rg BT 456.72 410.00 Td (years ) Tj ET Q q 0 0 0 rg BT 479.93 410.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 410.00 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 398.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 398.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.01 398.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.01 398.00 Td (, ) Tj ET Q q 0 0 0 rg BT 102.01 398.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.96 398.00 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.96 398.00 Td (, ) Tj ET Q q 0 0 0 rg BT 145.97 398.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 193.63 398.00 Td (. ) Tj ET Q q 0 0 0 rg BT 199.64 398.00 Td (Interest-only ) Tj ET Q q 0 0 0 rg BT 254.24 398.00 Td (payment ) Tj ET Q q 0 0 0 rg BT 292.18 398.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 317.90 398.00 Td (were ) Tj ET Q q 0 0 0 rg BT 340.84 398.00 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.10 398.00 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.10 398.00 Td ( ) Tj ET Q q 0 0 0 rg BT 415.61 398.00 Td (months ) Tj ET Q q 0 0 0 rg BT 448.57 398.00 Td (during ) Tj ET Q q 0 0 0 rg BT 478.18 398.00 Td (the ) Tj ET Q q 0 0 0 rg BT 493.91 398.00 Td (year ) Tj ET Q q 0 0 0 rg BT 514.62 398.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.01 398.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 92.28 386.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.91 386.00 Td (seven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.68 386.00 Td ( ) Tj ET Q q 0 0 0 rg BT 128.53 386.00 Td (months ) Tj ET Q q 0 0 0 rg BT 160.83 386.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.13 386.00 Td (1) Tj ET Q q 0 0 0 rg BT 182.76 386.00 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.76 386.00 Td ( ) Tj ET Q q 0 0 0 rg BT 190.61 386.00 Td (months ) Tj ET Q q 0 0 0 rg BT 222.91 386.00 Td (for ) Tj ET Q q 0 0 0 rg BT 237.43 386.00 Td (the ) Tj ET Q q 0 0 0 rg BT 252.50 386.00 Td (years ) Tj ET Q q 0 0 0 rg BT 276.45 386.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.18 386.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.18 386.00 Td ( ) Tj ET Q q 0 0 0 rg BT 326.04 386.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.33 386.00 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.33 386.00 Td (, ) Tj ET Q q 0 0 0 rg BT 368.68 386.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 416.34 386.00 Td (. ) Tj ET Q q 0 0 0 rg BT 421.07 386.00 Td (Additionally) Tj ET Q q 0 0 0 rg BT 470.97 386.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.32 386.00 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.32 386.00 Td ( ) Tj ET Q q 0 0 0 rg BT 489.18 386.00 Td (principal ) Tj ET Q q 0 0 0 rg BT 527.57 386.00 Td (balances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.00 Td (were ) Tj ET Q q 0 0 0 rg BT 71.93 374.00 Td (for) Tj ET Q q 0 0 0 rg BT 83.41 374.00 Td (given ) Tj ET Q q 0 0 0 rg BT 108.13 374.00 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.73 374.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.73 374.00 Td ( ) Tj ET Q q 0 0 0 rg BT 159.23 374.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.17 374.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.17 374.00 Td (, ) Tj ET Q q 0 0 0 rg BT 201.17 374.00 Td (compared ) Tj ET Q q 0 0 0 rg BT 243.10 374.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.37 374.00 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 273.37 374.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.27 374.00 Td ( ) Tj ET Q q 0 0 0 rg BT 304.77 374.00 Td (for) Tj ET Q q 0 0 0 rg BT 316.25 374.00 Td (given ) Tj ET Q q 0 0 0 rg BT 340.96 374.00 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.57 374.00 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.57 374.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 353.00 Td (The ) Tj ET Q q 0 0 0 rg BT 67.45 353.00 Td (tables ) Tj ET Q q 0 0 0 rg BT 92.68 353.00 Td (below ) Tj ET Q q 0 0 0 rg BT 119.03 353.00 Td (present ) Tj ET Q q 0 0 0 rg BT 149.81 353.00 Td (a ) Tj ET Q q 0 0 0 rg BT 156.15 353.00 Td (summary ) Tj ET Q q 0 0 0 rg BT 195.28 353.00 Td (of ) Tj ET Q q 0 0 0 rg BT 205.51 353.00 Td (all ) Tj ET Q q 0 0 0 rg BT 217.41 353.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 240.43 353.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 290.09 353.00 Td (in ) Tj ET Q q 0 0 0 rg BT 299.63 353.00 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 325.43 353.00 Td (during ) Tj ET Q q 0 0 0 rg BT 353.45 353.00 Td (the ) Tj ET Q q 0 0 0 rg BT 367.57 353.00 Td (years ) Tj ET Q q 0 0 0 rg BT 390.57 353.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.35 353.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 474.34 353.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.34 353.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 353.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.75 353.00 Td (, ) Tj ET Q q 0 0 0 rg BT 523.16 353.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 353.00 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 353.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 341.00 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 341.00 Td (such ) Tj ET Q q 0 0 0 rg BT 87.77 341.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 111.38 341.00 Td (which ) Tj ET Q q 0 0 0 rg BT 138.32 341.00 Td (were ) Tj ET Q q 0 0 0 rg BT 160.24 341.00 Td (in ) Tj ET Q q 0 0 0 rg BT 170.52 341.00 Td (payment ) Tj ET Q q 0 0 0 rg BT 207.46 341.00 Td (default ) Tj ET Q q 0 0 0 rg BT 237.72 341.00 Td (under ) Tj ET Q q 0 0 0 rg BT 262.99 341.00 Td (the ) Tj ET Q q 0 0 0 rg BT 277.71 341.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 327.96 341.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 352.68 341.00 Td (during ) Tj ET Q q 0 0 0 rg BT 381.28 341.00 Td (the ) Tj ET Q q 0 0 0 rg BT 396.00 341.00 Td (respective ) Tj ET Q q 0 0 0 rg BT 439.03 341.00 Td (periods:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.25 341.00 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 284.50 94.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 144.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 284.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 284.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 284.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 284.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 284.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 284.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 284.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 284.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 284.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 284.50 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 284.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 284.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 284.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 251.50 94.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 144.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 251.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 251.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 251.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 251.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 251.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 251.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 251.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 251.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 251.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 251.50 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 251.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 251.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 251.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 225.50 94.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 144.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 225.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 225.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 225.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 225.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 225.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 225.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 225.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 225.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 225.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 225.50 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 225.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 225.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 225.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 199.50 94.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 144.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 199.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 199.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 199.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 199.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 199.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 199.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 199.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 199.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 199.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 199.50 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 199.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 199.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 199.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 173.50 94.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 144.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 173.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 173.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 173.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 173.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 173.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 173.50 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 173.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 173.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 173.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 173.50 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 173.50 26.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 173.50 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 173.50 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 147.50 94.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 144.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 148.50 147.50 26.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 174.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 178.50 147.50 36.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 147.50 26.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 147.50 35.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 147.50 26.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.50 147.50 36.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 147.50 26.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 147.50 35.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 147.50 26.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.50 147.50 37.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 147.50 26.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 147.50 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 147.50 35.00 -20.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 330.5 m 144.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 144.5 330.5 m 148.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 330.5 m 174.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 317.5 m 174.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 330.5 m 178.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 317.5 m 178.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 330.5 m 214.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 317.5 m 214.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 330.5 m 218.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 317.5 m 218.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 330.5 m 244.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 317.5 m 244.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 330.5 m 248.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 317.5 m 248.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 330.5 m 283.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 317.5 m 283.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 330.5 m 287.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 330.5 m 313.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 317.5 m 313.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 330.5 m 317.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 317.5 m 317.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 330.5 m 353.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 317.5 m 353.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 330.5 m 357.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 317.5 m 357.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 330.5 m 383.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 317.5 m 383.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 330.5 m 387.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 317.5 m 387.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 330.5 m 422.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 317.5 m 422.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 330.5 m 426.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 330.5 m 452.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 317.5 m 452.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 330.5 m 456.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 317.5 m 456.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 330.5 m 493.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 317.5 m 493.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 330.5 m 497.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 317.5 m 497.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 330.5 m 523.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 317.5 m 523.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 330.5 m 527.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 317.5 m 527.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 330.5 m 562.5 330.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 317.5 m 562.5 317.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 284.5 m 144.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 144.5 284.5 m 148.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 297.5 m 174.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 284.5 m 174.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 297.5 m 178.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 284.5 m 178.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 297.5 m 214.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 284.5 m 214.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 297.5 m 218.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 284.5 m 218.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 297.5 m 244.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 284.5 m 244.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 297.5 m 248.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 284.5 m 248.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 297.5 m 283.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 284.5 m 283.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 297.5 m 313.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 284.5 m 313.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 297.5 m 317.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 284.5 m 317.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 297.5 m 353.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 284.5 m 353.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 297.5 m 357.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 284.5 m 357.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 297.5 m 383.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 284.5 m 383.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 297.5 m 387.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 284.5 m 387.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 297.5 m 422.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 284.5 m 422.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 297.5 m 452.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 284.5 m 452.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 297.5 m 456.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 284.5 m 456.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 297.5 m 493.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 284.5 m 493.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 297.5 m 497.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 284.5 m 497.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 297.5 m 523.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 284.5 m 523.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 297.5 m 527.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 284.5 m 527.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 297.5 m 562.5 297.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 284.5 m 562.5 284.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 127.5 m 174.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 127.5 m 178.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 127.5 m 214.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 127.5 m 218.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 127.5 m 244.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 127.5 m 248.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 127.5 m 283.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 127.5 m 287.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 127.5 m 313.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 127.5 m 317.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 127.5 m 353.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 127.5 m 357.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 127.5 m 383.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 127.5 m 387.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 127.5 m 422.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 127.5 m 426.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 127.5 m 452.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 127.5 m 456.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 127.5 m 493.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 127.5 m 497.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 127.5 m 523.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 127.5 m 527.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 127.5 m 562.5 127.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 115.5 m 144.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 144.5 115.5 m 148.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 148.5 115.5 m 174.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 174.5 115.5 m 178.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 178.5 115.5 m 214.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 214.5 115.5 m 218.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 115.5 m 244.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 115.5 m 248.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 248.5 115.5 m 283.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 115.5 m 287.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 115.5 m 313.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313.5 115.5 m 317.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317.5 115.5 m 353.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 115.5 m 357.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 115.5 m 383.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 115.5 m 387.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 115.5 m 422.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 115.5 m 426.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 115.5 m 452.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452.5 115.5 m 456.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456.5 115.5 m 493.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 115.5 m 497.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 115.5 m 523.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 115.5 m 527.5 115.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 115.5 m 562.5 115.5 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 321.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 162.20 321.73 Td (YearEndedDecember31,2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 303.45 321.75 Td (YearEndedDecember31,2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.95 321.75 Td (YearEndedDecember31, 2013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 301.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 165.15 301.73 Td (T) Tj ET Q q 0 0 0 rg BT 169.75 301.73 Td (otal ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 184.64 305.36 Td (\(1\)\(3\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 229.50 309.58 Td (Paymentsin) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.45 301.58 Td (Default) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 255.78 305.21 Td ( \(2\)\(3\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.75 301.75 Td (T) Tj ET Q q 0 0 0 rg BT 309.08 301.75 Td (otal ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 323.07 305.38 Td (\(1\)\(3\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 309.45 Td (Paymentsin) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.10 301.45 Td (Default) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 394.09 305.08 Td ( \(2\)\(3\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.25 301.75 Td (T) Tj ET Q q 0 0 0 rg BT 448.58 301.75 Td (otal ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 462.57 305.38 Td (\(1\)\(3\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.80 309.45 Td (Paymentsin) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 510.10 301.45 Td (Default) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 534.09 305.08 Td ( \(2\)\(3\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 288.75 Td (\(Dollarsinthousands\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 151.65 288.56 Td (Count) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 184.10 288.56 Td (Balance) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 221.65 288.56 Td (Count) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 253.60 288.56 Td (Balance) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 291.40 288.55 Td (Count) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 323.70 288.55 Td (Balance) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 361.40 288.55 Td (Count) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 393.20 288.55 Td (Balance) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 430.40 288.55 Td (Count) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.20 288.55 Td (Balance) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 501.40 288.55 Td (Count) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 533.20 288.55 Td (Balance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 276.45 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 263.45 Td (Commercial and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 255.45 Td (industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 163.30 255.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 181.00 255.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 255.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 255.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 251.00 255.73 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.30 255.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.30 255.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.30 255.75 Td (1,549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.30 255.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 390.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 255.75 Td (88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 255.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.30 255.75 Td (708) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.30 255.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 255.75 Td (20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 243.45 Td (Commercial real-estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 230.45 Td (Commercial construction) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 163.30 229.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 229.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 229.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.30 229.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.30 229.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.30 229.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.30 229.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 229.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 229.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 229.75 Td (6,120) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.30 229.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 229.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 217.45 Td (Land) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 163.30 216.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 216.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 216.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.30 216.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.30 216.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.30 216.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.30 216.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 216.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 216.75 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 216.75 Td (2,639) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.30 216.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 216.75 Td (215) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 204.45 Td (Office) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 163.30 203.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 203.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 203.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.30 203.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.30 203.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.30 203.75 Td (1,510) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.30 203.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 203.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 203.75 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 203.75 Td (4,021) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.30 203.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 203.75 Td (1,648) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 191.45 Td (Industrial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 167.30 190.73 Td (1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 199.30 190.73 Td (169) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 190.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.30 190.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.30 190.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.30 190.75 Td (1,763) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.30 190.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 190.75 Td (1,078) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 190.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.30 190.75 Td (949) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.30 190.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 190.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 178.45 Td (Retail) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 163.30 177.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 177.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 177.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.30 177.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.30 177.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 177.75 Td (202) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.30 177.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 177.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 177.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.30 177.75 Td (200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.30 177.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 177.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 165.45 Td (Multi-family) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 163.30 164.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 203.30 164.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 233.30 164.73 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.30 164.73 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.30 164.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.30 164.75 Td (181) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.30 164.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 164.75 Td (181) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 164.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.30 164.75 Td (705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.30 164.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 164.75 Td (705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 152.45 Td (Mixed use and other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 167.30 151.73 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 199.30 151.73 Td (201) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 151.73 Td (2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.30 151.73 Td (201) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.30 151.75 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.30 151.75 Td (4,926) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.30 151.75 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 151.75 Td (569) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 151.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 151.75 Td (5,042) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.30 151.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 151.75 Td (95) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 139.45 Td (Residential real estate and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 131.45 Td (other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 167.30 131.73 Td (9) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 193.30 131.73 Td (1,664) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 131.73 Td (4) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.30 131.73 Td (568) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.30 131.75 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.30 131.75 Td (1,836) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.30 131.75 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.30 131.75 Td (211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 131.75 Td (10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 472.30 131.75 Td (2,296) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.30 131.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 131.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 119.45 Td (Total loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 163.30 119.58 Td (12) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 181.00 119.58 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 193.30 119.58 Td (2,034) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 237.30 119.58 Td (6) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 251.00 119.58 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.30 119.58 Td (769) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.30 119.45 Td (21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.00 119.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.30 119.45 Td (11,967) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.30 119.45 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 390.00 119.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 119.45 Td (2,127) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.30 119.45 Td (35) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.00 119.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 119.45 Td (22,680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.30 119.45 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.00 119.45 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 119.45 Td (2,683) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.20 104.00 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 104.00 Td (T) Tj ET Q q 0 0 0 rg BT 74.84 104.00 Td (otal ) Tj ET Q q 0 0 0 rg BT 92.90 104.00 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 118.18 104.00 Td (r) Tj ET Q q 0 0 0 rg BT 121.70 104.00 Td (epr) Tj ET Q q 0 0 0 rg BT 134.66 104.00 Td (esent ) Tj ET Q q 0 0 0 rg BT 157.71 104.00 Td (all ) Tj ET Q q 0 0 0 rg BT 170.77 104.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 194.94 104.00 Td (r) Tj ET Q q 0 0 0 rg BT 198.46 104.00 Td (estructur) Tj ET Q q 0 0 0 rg BT 234.19 104.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 246.13 104.00 Td (in ) Tj ET Q q 0 0 0 rg BT 256.41 104.00 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 281.69 104.00 Td (during ) Tj ET Q q 0 0 0 rg BT 310.86 104.00 Td (the ) Tj ET Q q 0 0 0 rg BT 325.58 104.00 Td (year ) Tj ET Q q 0 0 0 rg BT 345.85 104.00 Td (indicated.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.20 92.00 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 92.00 Td (TDRs ) Tj ET Q q 0 0 0 rg BT 95.48 92.00 Td (consider) Tj ET Q q 0 0 0 rg BT 129.55 92.00 Td (ed ) Tj ET Q q 0 0 0 rg BT 141.49 92.00 Td (to ) Tj ET Q q 0 0 0 rg BT 151.77 92.00 Td (be ) Tj ET Q q 0 0 0 rg BT 163.71 92.00 Td (in ) Tj ET Q q 0 0 0 rg BT 173.98 92.00 Td (payment ) Tj ET Q q 0 0 0 rg BT 210.36 92.00 Td (default ) Tj ET Q q 0 0 0 rg BT 240.63 92.00 Td (ar) Tj ET Q q 0 0 0 rg BT 249.16 92.00 Td (e ) Tj ET Q q 0 0 0 rg BT 256.09 92.00 Td (over ) Tj ET Q q 0 0 0 rg BT 276.36 92.00 Td (30 ) Tj ET Q q 0 0 0 rg BT 288.86 92.00 Td (days ) Tj ET Q q 0 0 0 rg BT 309.69 92.00 Td (past-due ) Tj ET Q q 0 0 0 rg BT 346.63 92.00 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 393.57 92.00 Td (to ) Tj ET Q q 0 0 0 rg BT 403.85 92.00 Td (the ) Tj ET Q q 0 0 0 rg BT 418.56 92.00 Td (r) Tj ET Q q 0 0 0 rg BT 422.08 92.00 Td (estructuring.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.20 80.00 Td (\(3\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 70.20 80.00 Td (Balances ) Tj ET Q q 0 0 0 rg BT 109.36 80.00 Td (r) Tj ET Q q 0 0 0 rg BT 112.88 80.00 Td (epr) Tj ET Q q 0 0 0 rg BT 125.83 80.00 Td (esent ) Tj ET Q q 0 0 0 rg BT 148.88 80.00 Td (the ) Tj ET Q q 0 0 0 rg BT 163.60 80.00 Td (r) Tj ET Q q 0 0 0 rg BT 167.12 80.00 Td (ecor) Tj ET Q q 0 0 0 rg BT 184.52 80.00 Td (ded ) Tj ET Q q 0 0 0 rg BT 201.45 80.00 Td (investment ) Tj ET Q q 0 0 0 rg BT 246.72 80.00 Td (in ) Tj ET Q q 0 0 0 rg BT 257.00 80.00 Td (the ) Tj ET Q q 0 0 0 rg BT 271.71 80.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 291.99 80.00 Td (at ) Tj ET Q q 0 0 0 rg BT 302.27 80.00 Td (the ) Tj ET Q q 0 0 0 rg BT 316.99 80.00 Td (time ) Tj ET Q q 0 0 0 rg BT 336.70 80.00 Td (of ) Tj ET Q q 0 0 0 rg BT 346.98 80.00 Td (the ) Tj ET Q q 0 0 0 rg BT 361.70 80.00 Td (r) Tj ET Q q 0 0 0 rg BT 365.22 80.00 Td (estructuring.) Tj ET Q endstream endobj 257 0 obj <> endobj 258 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (128) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (\(6\) Mortgage Servicing Rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 713.25 Td (Following ) Tj ET Q q 0 0 0 rg BT 92.63 713.25 Td (is ) Tj ET Q q 0 0 0 rg BT 100.81 713.25 Td (a ) Tj ET Q q 0 0 0 rg BT 106.76 713.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 145.49 713.25 Td (of ) Tj ET Q q 0 0 0 rg BT 155.34 713.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.07 713.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 202.79 713.25 Td (in ) Tj ET Q q 0 0 0 rg BT 212.08 713.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.81 713.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 260.63 713.25 Td (value ) Tj ET Q q 0 0 0 rg BT 283.80 713.25 Td (of ) Tj ET Q q 0 0 0 rg BT 293.65 713.25 Td (MSRs, ) Tj ET Q q 0 0 0 rg BT 322.67 713.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 364.72 713.25 Td (for ) Tj ET Q q 0 0 0 rg BT 377.89 713.25 Td (at ) Tj ET Q q 0 0 0 rg BT 386.62 713.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 402.01 713.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 427.68 713.25 Td (for ) Tj ET Q q 0 0 0 rg BT 440.85 713.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.58 713.25 Td (years ) Tj ET Q q 0 0 0 rg BT 477.19 713.25 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 713.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 701.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 701.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 701.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 701.25 Td ( ) Tj ET Q q 0 0 0 rg BT 97.50 701.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.44 701.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.44 701.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 666.75 279.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 666.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 666.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 666.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 666.75 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 666.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 666.75 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 638.75 279.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 638.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 638.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 638.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 638.75 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 638.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 638.75 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 611.75 279.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 611.75 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 611.75 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 611.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 611.75 74.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 586.75 279.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 586.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 586.75 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 586.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 586.75 74.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 586.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 586.75 74.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 690.75 m 329.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 690.75 m 333.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 690.75 m 406.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 690.75 m 410.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 690.75 m 484.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 690.75 m 488.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 690.75 m 562.5 690.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 666.75 m 329.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 666.75 m 333.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 666.75 m 406.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 666.75 m 410.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 666.75 m 484.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 666.75 m 488.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 666.75 m 562.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 666.75 m 484.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 666.75 m 488.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 666.75 m 562.5 666.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 586.75 m 406.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 586.75 m 410.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 586.75 m 484.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 586.75 m 488.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 586.75 m 562.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 572.75 m 406.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 572.75 m 410.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 572.75 m 484.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 572.75 m 488.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 572.75 m 562.5 572.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 558.75 m 329.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 558.75 m 333.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 558.75 m 406.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 558.75 m 410.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 558.75 m 484.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 558.75 m 488.5 558.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 558.75 m 562.5 558.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.25 682.83 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 424.55 682.70 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.55 682.70 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 670.70 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 361.50 670.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.00 670.70 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.00 670.70 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 657.32 Td (Balance at beginning of year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.00 657.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 657.43 Td (8,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.00 657.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 657.32 Td (8,946) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 657.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 657.32 Td (6,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 643.32 Td (Additions from loans sold with servicing retained) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 643.43 Td (1,759) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 643.32 Td (213) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 643.32 Td (523) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 629.32 Td (Additions from acquisitions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.65 629.43 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 629.32 Td (704) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 629.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 615.32 Td (Estimate of changes in fair value due to:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 602.32 Td (Payoffs and paydowns) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 376.80 602.53 Td (\(1,315) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.65 602.48 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 602.37 Td (\(976) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 602.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 602.37 Td (\(941) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 602.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 589.37 Td (Changes in valuation inputs or assumptions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 589.48 Td (213) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 589.37 Td (\(452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 589.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 589.37 Td (2,614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 577.32 Td (Fair value at end of year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.00 577.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 577.43 Td (9,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.00 577.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 577.32 Td (8,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 577.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 577.32 Td (8,946) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 563.32 Td (Unpaid principal balance of mortgage loans serviced for others) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.00 563.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 370.15 563.43 Td (939,819) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.00 563.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.15 563.32 Td (877,899) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 563.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 563.32 Td (961,619) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.49 538.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.32 538.25 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 156.01 538.25 Td (MSR ) Tj ET Q q 0 0 0 rg BT 180.07 538.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 206.35 538.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 229.29 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 244.44 538.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 262.93 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 274.20 538.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 318.79 538.25 Td (real ) Tj ET Q q 0 0 0 rg BT 336.72 538.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 362.42 538.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 386.47 538.25 Td (when ) Tj ET Q q 0 0 0 rg BT 411.08 538.25 Td (it ) Tj ET Q q 0 0 0 rg BT 419.57 538.25 Td (retains ) Tj ET Q q 0 0 0 rg BT 449.17 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.33 538.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 507.82 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 518.54 538.25 Td (service ) Tj ET Q q 0 0 0 rg BT 549.79 538.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.34 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 90.02 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.47 526.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 143.36 526.25 Td (fee ) Tj ET Q q 0 0 0 rg BT 157.80 526.25 Td (is ) Tj ET Q q 0 0 0 rg BT 166.71 526.25 Td (more ) Tj ET Q q 0 0 0 rg BT 189.49 526.25 Td (than ) Tj ET Q q 0 0 0 rg BT 208.94 526.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 246.71 526.25 Td (compensation. ) Tj ET Q q 0 0 0 rg BT 306.49 526.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 356.40 526.25 Td (, ) Tj ET Q q 0 0 0 rg BT 361.13 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 371.15 526.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 395.88 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.33 526.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 451.45 526.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 497.55 526.25 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 524.80 526.25 Td (related ) Tj ET Q q 0 0 0 rg BT 554.24 526.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.88 514.25 Td (agricultural ) Tj ET Q q 0 0 0 rg BT 128.65 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 145.76 514.25 Td (farmland-related ) Tj ET Q q 0 0 0 rg BT 215.06 514.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 238.85 514.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 282.06 514.25 Td (from ) Tj ET Q q 0 0 0 rg BT 304.18 514.25 Td (an ) Tj ET Q q 0 0 0 rg BT 316.30 514.25 Td (unaf) Tj ET Q q 0 0 0 rg BT 333.88 514.25 Td (filiated ) Tj ET Q q 0 0 0 rg BT 364.88 514.25 Td (bank. ) Tj ET Q q 0 0 0 rg BT 389.30 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 407.53 514.25 Td (initial ) Tj ET Q q 0 0 0 rg BT 433.53 514.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 481.75 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 492.76 514.25 Td (MSR ) Tj ET Q q 0 0 0 rg BT 516.56 514.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 542.57 514.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.31 502.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 92.19 502.25 Td (with ) Tj ET Q q 0 0 0 rg BT 112.17 502.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 151.03 502.25 Td (retained ) Tj ET Q q 0 0 0 rg BT 185.44 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.08 502.25 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 248.72 502.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 283.13 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 293.12 502.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 309.20 502.25 Td (value ) Tj ET Q q 0 0 0 rg BT 333.06 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 343.59 502.25 Td (all ) Tj ET Q q 0 0 0 rg BT 355.79 502.25 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 383.01 502.25 Td (are ) Tj ET Q q 0 0 0 rg BT 397.42 502.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 443.49 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 453.47 502.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 493.44 502.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 527.86 502.25 Td (revenue. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (MSRs ) Tj ET Q q 0 0 0 rg BT 78.37 490.25 Td (are ) Tj ET Q q 0 0 0 rg BT 93.94 490.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 125.62 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 136.75 490.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 172.32 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 183.45 490.25 Td (value ) Tj ET Q q 0 0 0 rg BT 208.46 490.25 Td (from ) Tj ET Q q 0 0 0 rg BT 231.26 490.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 258.49 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 276.28 490.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 315.17 490.25 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 365.73 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.42 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.99 490.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 439.68 490.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 466.40 490.25 Td (The ) Tj ET Q q 0 0 0 rg BT 485.30 490.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 527.55 490.25 Td (does ) Tj ET Q q 0 0 0 rg BT 549.23 490.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (specifically ) Tj ET Q q 0 0 0 rg BT 98.59 478.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 124.97 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 139.68 478.25 Td (value ) Tj ET Q q 0 0 0 rg BT 163.84 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 174.67 478.25 Td (its ) Tj ET Q q 0 0 0 rg BT 186.62 478.25 Td (MSRs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.90 457.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.13 457.25 Td (uses ) Tj ET Q q 0 0 0 rg BT 128.71 457.25 Td (a ) Tj ET Q q 0 0 0 rg BT 135.49 457.25 Td (third ) Tj ET Q q 0 0 0 rg BT 156.73 457.25 Td (party ) Tj ET Q q 0 0 0 rg BT 179.63 457.25 Td (to ) Tj ET Q q 0 0 0 rg BT 189.76 457.25 Td (assist ) Tj ET Q q 0 0 0 rg BT 213.78 457.25 Td (in ) Tj ET Q q 0 0 0 rg BT 223.90 457.25 Td (the ) Tj ET Q q 0 0 0 rg BT 238.47 457.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 278.03 457.25 Td (of ) Tj ET Q q 0 0 0 rg BT 288.71 457.25 Td (a ) Tj ET Q q 0 0 0 rg BT 295.50 457.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 326.74 457.25 Td (of ) Tj ET Q q 0 0 0 rg BT 337.42 457.25 Td (MSRs. ) Tj ET Q q 0 0 0 rg BT 367.28 457.25 Td (Fair ) Tj ET Q q 0 0 0 rg BT 385.74 457.25 Td (values ) Tj ET Q q 0 0 0 rg BT 413.64 457.25 Td (are ) Tj ET Q q 0 0 0 rg BT 428.20 457.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 475.53 457.25 Td (by ) Tj ET Q q 0 0 0 rg BT 487.88 457.25 Td (using ) Tj ET Q q 0 0 0 rg BT 511.90 457.25 Td (a ) Tj ET Q q 0 0 0 rg BT 518.69 457.25 Td (discounted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.97 445.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 92.50 445.25 Td (model ) Tj ET Q q 0 0 0 rg BT 120.70 445.25 Td (that ) Tj ET Q q 0 0 0 rg BT 138.89 445.25 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 191.52 445.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.93 445.25 Td (objective ) Tj ET Q q 0 0 0 rg BT 246.78 445.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 307.17 445.25 Td (of ) Tj ET Q q 0 0 0 rg BT 318.70 445.25 Td (the ) Tj ET Q q 0 0 0 rg BT 334.12 445.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 372.32 445.25 Td (as ) Tj ET Q q 0 0 0 rg BT 383.85 445.25 Td (well ) Tj ET Q q 0 0 0 rg BT 404.27 445.25 Td (as ) Tj ET Q q 0 0 0 rg BT 415.80 445.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 459.54 445.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 499.95 445.25 Td (parameters ) Tj ET Q q 0 0 0 rg BT 547.01 445.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.25 Td (purchasers ) Tj ET Q q 0 0 0 rg BT 96.71 433.25 Td (of ) Tj ET Q q 0 0 0 rg BT 108.99 433.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 149.59 433.25 Td (would ) Tj ET Q q 0 0 0 rg BT 178.54 433.25 Td (apply ) Tj ET Q q 0 0 0 rg BT 204.71 433.25 Td (to ) Tj ET Q q 0 0 0 rg BT 216.43 433.25 Td (such ) Tj ET Q q 0 0 0 rg BT 238.71 433.25 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 281.55 433.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 302.17 433.25 Td (into ) Tj ET Q q 0 0 0 rg BT 321.67 433.25 Td (the ) Tj ET Q q 0 0 0 rg BT 337.84 433.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 382.33 433.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 416.25 433.25 Td (The ) Tj ET Q q 0 0 0 rg BT 435.75 433.25 Td (subjective ) Tj ET Q q 0 0 0 rg BT 480.24 433.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 511.40 433.25 Td (include ) Tj ET Q q 0 0 0 rg BT 544.78 433.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.25 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 99.70 421.25 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 131.36 421.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 163.30 421.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 187.17 421.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 226.33 421.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 248.83 421.25 Td (and ) Tj ET Q q 0 0 0 rg BT 265.77 421.25 Td (other ) Tj ET Q q 0 0 0 rg BT 288.81 421.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 330.19 421.25 Td (factors.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 397.25 Td (\(7\) Business Combinations) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 373.25 Td (Non-FDIC ) Tj ET Q q 0 0 0 rg BT 95.65 373.25 Td (Assisted Bank ) Tj ET Q q 0 0 0 rg BT 153.79 373.25 Td (Acquisitions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.15 356.25 Td (July24, ) Tj ET Q q 0 0 0 rg BT 99.74 356.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.74 356.25 Td (, ) Tj ET Q q 0 0 0 rg BT 125.16 356.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.30 356.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 182.11 356.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 219.46 356.25 Td (CFIS. ) Tj ET Q q 0 0 0 rg BT 246.01 356.25 Td (CFIS ) Tj ET Q q 0 0 0 rg BT 270.06 356.25 Td (was ) Tj ET Q q 0 0 0 rg BT 288.53 356.25 Td (the ) Tj ET Q q 0 0 0 rg BT 303.67 356.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 331.58 356.25 Td (company ) Tj ET Q q 0 0 0 rg BT 371.16 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 382.41 356.25 Td (CBWGE, ) Tj ET Q q 0 0 0 rg BT 423.95 356.25 Td (which ) Tj ET Q q 0 0 0 rg BT 451.31 356.25 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.67 356.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.33 356.25 Td ( ) Tj ET Q q 0 0 0 rg BT 488.25 356.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 523.40 356.25 Td (locations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.25 Td (CBWGE ) Tj ET Q q 0 0 0 rg BT 89.69 344.25 Td (was ) Tj ET Q q 0 0 0 rg BT 108.82 344.25 Td (mer) Tj ET Q q 0 0 0 rg BT 124.19 344.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 142.21 344.25 Td (into ) Tj ET Q q 0 0 0 rg BT 161.09 344.25 Td (Wheaton ) Tj ET Q q 0 0 0 rg BT 200.76 344.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 227.70 344.25 Td (The ) Tj ET Q q 0 0 0 rg BT 246.82 344.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 289.29 344.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 327.30 344.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 354.21 344.25 Td (with ) Tj ET Q q 0 0 0 rg BT 375.57 344.25 Td (a ) Tj ET Q q 0 0 0 rg BT 383.59 344.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 401.05 344.25 Td (value ) Tj ET Q q 0 0 0 rg BT 426.28 344.25 Td (of ) Tj ET Q q 0 0 0 rg BT 438.20 344.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.54 344.25 Td ($350.5 ) Tj ET Q q 0 0 0 rg BT 530.62 344.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 344.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.25 Td (including ) Tj ET Q q 0 0 0 rg BT 91.76 332.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.50 332.25 Td ($159.5 ) Tj ET Q q 0 0 0 rg BT 184.99 332.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.88 332.25 Td ( ) Tj ET Q q 0 0 0 rg BT 217.86 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.18 332.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 257.77 332.25 Td (and ) Tj ET Q q 0 0 0 rg BT 276.19 332.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 314.61 332.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 351.38 332.25 Td (with ) Tj ET Q q 0 0 0 rg BT 373.14 332.25 Td (a ) Tj ET Q q 0 0 0 rg BT 381.56 332.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 399.42 332.25 Td (value ) Tj ET Q q 0 0 0 rg BT 425.06 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 437.38 332.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.12 332.25 Td ($290.0 ) Tj ET Q q 0 0 0 rg BT 530.61 332.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 332.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 320.25 Td (, ) Tj ET Q q 0 0 0 rg BT 104.90 320.25 Td (the ) Tj ET Q q 0 0 0 rg BT 119.62 320.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 161.01 320.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 198.48 320.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 236.54 320.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.37 320.25 Td ($27.6 ) Tj ET Q q 0 0 0 rg BT 272.37 320.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.26 320.25 Td ( ) Tj ET Q q 0 0 0 rg BT 303.76 320.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.26 320.25 Td (the ) Tj ET Q q 0 0 0 rg BT 330.98 320.25 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 308.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.74 296.25 Td (July17, ) Tj ET Q q 0 0 0 rg BT 100.93 296.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.93 296.25 Td (, ) Tj ET Q q 0 0 0 rg BT 126.94 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.68 296.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 185.08 296.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 223.02 296.25 Td (Suburban. ) Tj ET Q q 0 0 0 rg BT 267.37 296.25 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 309.22 296.25 Td (was ) Tj ET Q q 0 0 0 rg BT 328.28 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 344.02 296.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 372.52 296.25 Td (company ) Tj ET Q q 0 0 0 rg BT 412.69 296.25 Td (of ) Tj ET Q q 0 0 0 rg BT 424.54 296.25 Td (SBT) Tj ET Q q 0 0 0 rg BT 442.14 296.25 Td (, ) Tj ET Q q 0 0 0 rg BT 448.16 296.25 Td (which ) Tj ET Q q 0 0 0 rg BT 476.11 296.25 Td (operated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.05 296.25 Td (ten) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.27 296.25 Td ( ) Tj ET Q q 0 0 0 rg BT 529.79 296.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.25 Td (locations. ) Tj ET Q q 0 0 0 rg BT 90.85 284.25 Td (SBT) Tj ET Q q 0 0 0 rg BT 109.01 284.25 Td ( ) Tj ET Q q 0 0 0 rg BT 111.25 284.25 Td (was ) Tj ET Q q 0 0 0 rg BT 129.05 284.25 Td (mer) Tj ET Q q 0 0 0 rg BT 144.42 284.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 161.10 284.25 Td (into ) Tj ET Q q 0 0 0 rg BT 178.91 284.25 Td (Hinsdale ) Tj ET Q q 0 0 0 rg BT 216.70 284.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 242.39 284.25 Td (The ) Tj ET Q q 0 0 0 rg BT 260.18 284.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 301.32 284.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 337.99 284.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 363.56 284.25 Td (with ) Tj ET Q q 0 0 0 rg BT 383.59 284.25 Td (a ) Tj ET Q q 0 0 0 rg BT 390.27 284.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 406.40 284.25 Td (value ) Tj ET Q q 0 0 0 rg BT 430.30 284.25 Td (of ) Tj ET Q q 0 0 0 rg BT 440.87 284.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.88 284.25 Td ($494.7 ) Tj ET Q q 0 0 0 rg BT 530.62 284.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.52 284.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 272.25 Td (including ) Tj ET Q q 0 0 0 rg BT 91.76 272.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.50 272.25 Td ($257.8 ) Tj ET Q q 0 0 0 rg BT 184.99 272.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.88 272.25 Td ( ) Tj ET Q q 0 0 0 rg BT 217.86 272.25 Td (of ) Tj ET Q q 0 0 0 rg BT 230.18 272.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 257.77 272.25 Td (and ) Tj ET Q q 0 0 0 rg BT 276.19 272.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 314.61 272.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 351.38 272.25 Td (with ) Tj ET Q q 0 0 0 rg BT 373.14 272.25 Td (a ) Tj ET Q q 0 0 0 rg BT 381.56 272.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 399.42 272.25 Td (value ) Tj ET Q q 0 0 0 rg BT 425.06 272.25 Td (of ) Tj ET Q q 0 0 0 rg BT 437.38 272.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.12 272.25 Td ($416.7 ) Tj ET Q q 0 0 0 rg BT 530.61 272.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 272.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 260.25 Td (, ) Tj ET Q q 0 0 0 rg BT 104.90 260.25 Td (the ) Tj ET Q q 0 0 0 rg BT 119.62 260.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 161.01 260.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 198.48 260.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 236.54 260.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.37 260.25 Td ($18.8 ) Tj ET Q q 0 0 0 rg BT 272.37 260.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.26 260.25 Td ( ) Tj ET Q q 0 0 0 rg BT 303.76 260.25 Td (on ) Tj ET Q q 0 0 0 rg BT 316.26 260.25 Td (the ) Tj ET Q q 0 0 0 rg BT 330.98 260.25 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.04 236.25 Td (July1, ) Tj ET Q q 0 0 0 rg BT 92.52 236.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.52 236.25 Td (, ) Tj ET Q q 0 0 0 rg BT 116.84 236.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.87 236.25 Td (Company) Tj ET Q q 0 0 0 rg BT 169.11 236.25 Td (, ) Tj ET Q q 0 0 0 rg BT 173.43 236.25 Td (through ) Tj ET Q q 0 0 0 rg BT 206.35 236.25 Td (its ) Tj ET Q q 0 0 0 rg BT 217.62 236.25 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 277.20 236.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 320.00 236.25 Td (W) Tj ET Q q 0 0 0 rg BT 329.03 236.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 356.41 236.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 381.83 236.25 Td ( ) Tj ET Q q 0 0 0 rg BT 383.65 236.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 419.89 236.25 Td (North ) Tj ET Q q 0 0 0 rg BT 445.03 236.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 470.46 236.25 Td (which ) Tj ET Q q 0 0 0 rg BT 496.71 236.25 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.97 236.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.97 236.25 Td ( ) Tj ET Q q 0 0 0 rg BT 529.79 236.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.25 Td (locations. ) Tj ET Q q 0 0 0 rg BT 90.84 224.25 Td (The ) Tj ET Q q 0 0 0 rg BT 108.81 224.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 150.11 224.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 186.95 224.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 212.70 224.25 Td (with ) Tj ET Q q 0 0 0 rg BT 232.89 224.25 Td (a ) Tj ET Q q 0 0 0 rg BT 239.75 224.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 256.04 224.25 Td (value ) Tj ET Q q 0 0 0 rg BT 280.11 224.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.86 224.25 Td ($1) Tj ET Q q 0 0 0 rg BT 300.48 224.25 Td (17.9 ) Tj ET Q q 0 0 0 rg BT 320.40 224.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.29 224.25 Td (, ) Tj ET Q q 0 0 0 rg BT 354.21 224.25 Td (including ) Tj ET Q q 0 0 0 rg BT 394.40 224.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.57 224.25 Td ($51.6 ) Tj ET Q q 0 0 0 rg BT 479.49 224.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.38 224.25 Td ( ) Tj ET Q q 0 0 0 rg BT 510.80 224.25 Td (of ) Tj ET Q q 0 0 0 rg BT 521.54 224.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 547.57 224.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 86.42 212.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 121.19 212.25 Td (with ) Tj ET Q q 0 0 0 rg BT 140.95 212.25 Td (a ) Tj ET Q q 0 0 0 rg BT 147.37 212.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 163.23 212.25 Td (value ) Tj ET Q q 0 0 0 rg BT 186.88 212.25 Td (of ) Tj ET Q q 0 0 0 rg BT 197.19 212.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.93 212.25 Td ($101.0 ) Tj ET Q q 0 0 0 rg BT 286.42 212.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.31 212.25 Td (. ) Tj ET Q q 0 0 0 rg BT 319.36 212.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 369.26 212.25 Td (, ) Tj ET Q q 0 0 0 rg BT 373.74 212.25 Td (the ) Tj ET Q q 0 0 0 rg BT 387.95 212.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 428.82 212.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 465.78 212.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 503.32 212.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.63 212.25 Td ($6.7 ) Tj ET Q q 0 0 0 rg BT 533.12 212.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 200.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.22 200.25 Td (acquisition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.04 176.25 Td (January16, ) Tj ET Q q 0 0 0 rg BT 113.96 176.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.96 176.25 Td (, ) Tj ET Q q 0 0 0 rg BT 139.28 176.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.32 176.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 196.03 176.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 233.28 176.25 Td (Delavan. ) Tj ET Q q 0 0 0 rg BT 271.91 176.25 Td (Delavan ) Tj ET Q q 0 0 0 rg BT 308.05 176.25 Td (was ) Tj ET Q q 0 0 0 rg BT 326.42 176.25 Td (the ) Tj ET Q q 0 0 0 rg BT 341.46 176.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 369.27 176.25 Td (company ) Tj ET Q q 0 0 0 rg BT 408.74 176.25 Td (of ) Tj ET Q q 0 0 0 rg BT 419.89 176.25 Td (Community ) Tj ET Q q 0 0 0 rg BT 470.50 176.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 494.43 176.25 Td (CBD, ) Tj ET Q q 0 0 0 rg BT 520.31 176.25 Td (which ) Tj ET Q q 0 0 0 rg BT 547.57 176.25 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.66 164.25 Td ( ) Tj ET Q q 0 0 0 rg BT 70.48 164.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 106.51 164.25 Td (locations. ) Tj ET Q q 0 0 0 rg BT 148.93 164.25 Td (Community ) Tj ET Q q 0 0 0 rg BT 200.53 164.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 225.45 164.25 Td (CBD ) Tj ET Q q 0 0 0 rg BT 249.83 164.25 Td (was ) Tj ET Q q 0 0 0 rg BT 269.20 164.25 Td (mer) Tj ET Q q 0 0 0 rg BT 284.57 164.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 302.82 164.25 Td (into ) Tj ET Q q 0 0 0 rg BT 322.19 164.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.23 164.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 386.62 164.25 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 448.21 164.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 492.86 164.25 Td (T) Tj ET Q q 0 0 0 rg BT 498.27 164.25 Td (own ) Tj ET Q q 0 0 0 rg BT 519.31 164.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 546.46 164.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.91 152.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 127.35 152.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 152.70 152.25 Td (with ) Tj ET Q q 0 0 0 rg BT 172.50 152.25 Td (a ) Tj ET Q q 0 0 0 rg BT 178.96 152.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 194.86 152.25 Td (value ) Tj ET Q q 0 0 0 rg BT 218.53 152.25 Td (of ) Tj ET Q q 0 0 0 rg BT 228.88 152.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.66 152.25 Td ($224.1 ) Tj ET Q q 0 0 0 rg BT 318.18 152.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.08 152.25 Td (, ) Tj ET Q q 0 0 0 rg BT 351.60 152.25 Td (including ) Tj ET Q q 0 0 0 rg BT 391.39 152.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.17 152.25 Td ($128.0 ) Tj ET Q q 0 0 0 rg BT 480.69 152.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.58 152.25 Td ( ) Tj ET Q q 0 0 0 rg BT 511.60 152.25 Td (of ) Tj ET Q q 0 0 0 rg BT 521.95 152.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 547.58 152.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 88.58 140.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 129.93 140.25 Td (with ) Tj ET Q q 0 0 0 rg BT 151.85 140.25 Td (a ) Tj ET Q q 0 0 0 rg BT 160.43 140.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 178.44 140.25 Td (value ) Tj ET Q q 0 0 0 rg BT 204.24 140.25 Td (of ) Tj ET Q q 0 0 0 rg BT 216.71 140.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.60 140.25 Td ($186.4 ) Tj ET Q q 0 0 0 rg BT 310.24 140.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.13 140.25 Td (, ) Tj ET Q q 0 0 0 rg BT 345.77 140.25 Td (including ) Tj ET Q q 0 0 0 rg BT 387.68 140.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.58 140.25 Td ($170.2 ) Tj ET Q q 0 0 0 rg BT 481.22 140.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.11 140.25 Td ( ) Tj ET Q q 0 0 0 rg BT 514.25 140.25 Td (of ) Tj ET Q q 0 0 0 rg BT 526.72 140.25 Td (deposits. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.25 Td (Additionally ) Tj ET Q q 0 0 0 rg BT 103.05 128.25 Td (the ) Tj ET Q q 0 0 0 rg BT 117.77 128.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 159.16 128.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 196.63 128.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 234.69 128.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.52 128.25 Td ($16.8 ) Tj ET Q q 0 0 0 rg BT 270.52 128.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.41 128.25 Td ( ) Tj ET Q q 0 0 0 rg BT 301.91 128.25 Td (on ) Tj ET Q q 0 0 0 rg BT 314.41 128.25 Td (the ) Tj ET Q q 0 0 0 rg BT 329.13 128.25 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 104.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.10 104.25 Td (August8, ) Tj ET Q q 0 0 0 rg BT 105.39 104.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.39 104.25 Td (, ) Tj ET Q q 0 0 0 rg BT 130.30 104.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.92 104.25 Td (Company) Tj ET Q q 0 0 0 rg BT 183.16 104.25 Td (, ) Tj ET Q q 0 0 0 rg BT 188.07 104.25 Td (through ) Tj ET Q q 0 0 0 rg BT 221.58 104.25 Td (its ) Tj ET Q q 0 0 0 rg BT 233.44 104.25 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 293.61 104.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 336.95 104.25 Td (T) Tj ET Q q 0 0 0 rg BT 342.36 104.25 Td (own ) Tj ET Q q 0 0 0 rg BT 361.99 104.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 388.00 104.25 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.83 104.25 Td (eleven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.93 104.25 Td ( ) Tj ET Q q 0 0 0 rg BT 453.33 104.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 482.95 104.25 Td (of) Tj ET Q q 0 0 0 rg BT 491.10 104.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 512.38 104.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.23 104.25 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 92.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.37 92.25 Td (T) Tj ET Q q 0 0 0 rg BT 65.78 92.25 Td (almer ) Tj ET Q q 0 0 0 rg BT 90.75 92.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 114.06 92.25 Td (& ) Tj ET Q q 0 0 0 rg BT 123.89 92.25 Td (T) Tj ET Q q 0 0 0 rg BT 129.64 92.25 Td (rust. ) Tj ET Q q 0 0 0 rg BT 149.35 92.25 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 197.66 92.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.64 92.25 Td (this ) Tj ET Q q 0 0 0 rg BT 224.29 92.25 Td (date, ) Tj ET Q q 0 0 0 rg BT 245.65 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.07 92.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 301.16 92.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 337.79 92.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 361.10 92.25 Td (from ) Tj ET Q q 0 0 0 rg BT 382.74 92.25 Td (these ) Tj ET Q q 0 0 0 rg BT 405.49 92.25 Td (branches ) Tj ET Q q 0 0 0 rg BT 443.23 92.25 Td (as ) Tj ET Q q 0 0 0 rg BT 453.77 92.25 Td (well. ) Tj ET Q q 0 0 0 rg BT 475.69 92.25 Td (In ) Tj ET Q q 0 0 0 rg BT 486.22 92.25 Td (total, ) Tj ET Q q 0 0 0 rg BT 508.70 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 92.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 80.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 87.00 80.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 112.91 80.25 Td (with ) Tj ET Q q 0 0 0 rg BT 133.26 80.25 Td (a ) Tj ET Q q 0 0 0 rg BT 140.27 80.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 156.73 80.25 Td (value ) Tj ET Q q 0 0 0 rg BT 180.96 80.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.86 80.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.20 80.25 Td ($361.3 ) Tj ET Q q 0 0 0 rg BT 282.27 80.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.16 80.25 Td (, ) Tj ET Q q 0 0 0 rg BT 316.24 80.25 Td (including ) Tj ET Q q 0 0 0 rg BT 356.59 80.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.92 80.25 Td ($41.5 ) Tj ET Q q 0 0 0 rg BT 442.00 80.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.89 80.25 Td ( ) Tj ET Q q 0 0 0 rg BT 473.47 80.25 Td (of ) Tj ET Q q 0 0 0 rg BT 484.37 80.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 510.56 80.25 Td (and ) Tj ET Q q 0 0 0 rg BT 527.57 80.25 Td (assumed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 68.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 89.24 68.25 Td (with ) Tj ET Q q 0 0 0 rg BT 109.04 68.25 Td (a ) Tj ET Q q 0 0 0 rg BT 115.50 68.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 131.40 68.25 Td (value ) Tj ET Q q 0 0 0 rg BT 155.07 68.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.42 68.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.21 68.25 Td ($361.3 ) Tj ET Q q 0 0 0 rg BT 254.73 68.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.62 68.25 Td (, ) Tj ET Q q 0 0 0 rg BT 288.14 68.25 Td (including ) Tj ET Q q 0 0 0 rg BT 327.93 68.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.71 68.25 Td ($354.9 ) Tj ET Q q 0 0 0 rg BT 417.24 68.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.13 68.25 Td ( ) Tj ET Q q 0 0 0 rg BT 448.15 68.25 Td (of ) Tj ET Q q 0 0 0 rg BT 458.50 68.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 495.35 68.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 545.26 68.25 Td (, ) Tj ET Q q 0 0 0 rg BT 549.78 68.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 56.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 56.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 128.86 56.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 166.92 56.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.75 56.25 Td ($9.7 ) Tj ET Q q 0 0 0 rg BT 197.75 56.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.64 56.25 Td ( ) Tj ET Q q 0 0 0 rg BT 229.14 56.25 Td (on ) Tj ET Q q 0 0 0 rg BT 241.64 56.25 Td (the ) Tj ET Q q 0 0 0 rg BT 256.36 56.25 Td (acquisition.) Tj ET Q endstream endobj 259 0 obj <> endobj 260 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (129) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.92 730.10 Td (July1) Tj ET Q q 0 0 0 rg BT 88.72 730.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 98.92 730.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.92 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 121.63 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.54 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 174.78 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 179.98 730.10 Td (through ) Tj ET Q q 0 0 0 rg BT 213.79 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 225.94 730.10 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 286.41 730.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 330.03 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 335.44 730.10 Td (own ) Tj ET Q q 0 0 0 rg BT 355.36 730.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 381.67 730.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 418.80 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.72 730.10 Td (Pewaukee, ) Tj ET Q q 0 0 0 rg BT 479.26 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 488.30 730.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 523.78 730.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 553.69 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (THE ) Tj ET Q q 0 0 0 rg BT 72.52 718.10 Td (National ) Tj ET Q q 0 0 0 rg BT 110.03 718.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 136.50 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 155.13 718.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 197.10 718.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 234.60 718.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 261.01 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 281.87 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 289.39 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 306.35 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 331.09 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.50 718.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.34 718.10 Td ($94.1 ) Tj ET Q q 0 0 0 rg BT 428.92 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.81 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 463.39 718.10 Td (including ) Tj ET Q q 0 0 0 rg BT 504.25 718.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 74.23 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.13 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.86 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 114.92 706.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 140.26 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.44 706.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 192.61 706.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 227.12 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 246.63 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 252.80 706.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 268.41 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 291.80 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.87 706.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.36 706.10 Td ($36.2 ) Tj ET Q q 0 0 0 rg BT 385.59 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.48 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 418.33 706.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 468.24 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 472.47 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.42 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 527.04 706.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 88.06 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 694.10 Td ($16.3 ) Tj ET Q q 0 0 0 rg BT 123.89 694.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.78 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.28 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 167.78 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.50 694.10 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.71 670.10 Td (May16, ) Tj ET Q q 0 0 0 rg BT 100.54 670.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.54 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 125.53 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.24 670.10 Td (Company) Tj ET Q q 0 0 0 rg BT 178.48 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 183.47 670.10 Td (through ) Tj ET Q q 0 0 0 rg BT 217.07 670.10 Td (its ) Tj ET Q q 0 0 0 rg BT 229.01 670.10 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 289.27 670.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 332.87 670.10 Td (Hinsdale ) Tj ET Q q 0 0 0 rg BT 370.91 670.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 394.51 670.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 431.43 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.14 670.10 Td (Stone ) Tj ET Q q 0 0 0 rg BT 471.41 670.10 Td (Park ) Tj ET Q q 0 0 0 rg BT 492.23 670.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 521.93 670.10 Td (of) Tj ET Q q 0 0 0 rg BT 530.08 670.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 547.56 670.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 80.45 658.10 Td (related ) Tj ET Q q 0 0 0 rg BT 110.89 658.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 146.92 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.49 658.10 Td (Urban ) Tj ET Q q 0 0 0 rg BT 186.73 658.10 Td (Partnership ) Tj ET Q q 0 0 0 rg BT 235.52 658.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 262.14 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 280.93 658.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 323.06 658.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 360.74 658.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 401.20 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 422.23 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 429.91 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 447.03 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 471.93 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.51 658.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.51 658.10 Td ($5.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 84.98 646.10 Td (including ) Tj ET Q q 0 0 0 rg BT 126.34 646.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.68 646.10 Td ($5.4 ) Tj ET Q q 0 0 0 rg BT 208.77 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.66 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.24 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.16 646.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 291.23 646.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 341.13 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 347.22 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.02 646.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 405.49 646.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 444.05 646.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 483.20 646.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.11 646.10 Td ($678,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.61 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 536.20 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 646.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.03 610.10 Td (October18, ) Tj ET Q q 0 0 0 rg BT 113.05 610.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.05 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 137.36 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.39 610.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.08 610.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 228.32 610.10 Td (Diamond ) Tj ET Q q 0 0 0 rg BT 267.35 610.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 305.53 610.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 322.61 610.10 Td (\("Diamond"\). ) Tj ET Q q 0 0 0 rg BT 378.96 610.10 Td (Diamond ) Tj ET Q q 0 0 0 rg BT 417.99 610.10 Td (was ) Tj ET Q q 0 0 0 rg BT 435.35 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.38 610.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 476.18 610.10 Td (company ) Tj ET Q q 0 0 0 rg BT 514.64 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.78 610.10 Td (Diamond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 75.01 598.10 Td (FSB ) Tj ET Q q 0 0 0 rg BT 94.21 598.10 Td (\("Diamond ) Tj ET Q q 0 0 0 rg BT 140.24 598.10 Td (Bank"\), ) Tj ET Q q 0 0 0 rg BT 172.66 598.10 Td (which ) Tj ET Q q 0 0 0 rg BT 198.50 598.10 Td (operated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.33 598.10 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.99 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 252.39 598.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 286.01 598.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 323.52 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 332.70 598.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 369.93 598.10 Td (Schaumbur) Tj ET Q q 0 0 0 rg BT 415.29 598.10 Td (g, ) Tj ET Q q 0 0 0 rg BT 424.20 598.10 Td (Elmhurst, ) Tj ET Q q 0 0 0 rg BT 464.77 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.61 598.10 Td (Northbrook, ) Tj ET Q q 0 0 0 rg BT 531.17 598.10 Td (Illinois. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (As ) Tj ET Q q 0 0 0 rg BT 64.27 586.10 Td (part ) Tj ET Q q 0 0 0 rg BT 82.98 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 94.47 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.84 586.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 159.38 586.10 Td (Diamond ) Tj ET Q q 0 0 0 rg BT 199.75 586.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 224.02 586.10 Td (was ) Tj ET Q q 0 0 0 rg BT 242.73 586.10 Td (mer) Tj ET Q q 0 0 0 rg BT 258.10 586.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 275.69 586.10 Td (into ) Tj ET Q q 0 0 0 rg BT 294.18 586.10 Td (W) Tj ET Q q 0 0 0 rg BT 303.22 586.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 331.93 586.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 358.47 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 377.18 586.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 419.23 586.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 456.81 586.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 483.30 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 504.24 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 511.83 586.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 528.87 586.10 Td (value ) Tj ET Q q 0 0 0 rg BT 553.68 586.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.78 574.10 Td ($172.5 ) Tj ET Q q 0 0 0 rg BT 143.30 574.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.19 574.10 Td (, ) Tj ET Q q 0 0 0 rg BT 178.71 574.10 Td (including ) Tj ET Q q 0 0 0 rg BT 220.50 574.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.28 574.10 Td ($91.7 ) Tj ET Q q 0 0 0 rg BT 308.80 574.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.69 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 341.71 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.06 574.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 381.69 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.15 574.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 438.60 574.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 479.84 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 501.64 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 510.10 574.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 527.99 574.10 Td (value ) Tj ET Q q 0 0 0 rg BT 553.67 574.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.78 562.10 Td ($169.1 ) Tj ET Q q 0 0 0 rg BT 139.29 562.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.19 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 172.70 562.10 Td (including ) Tj ET Q q 0 0 0 rg BT 212.50 562.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.27 562.10 Td ($140.2 ) Tj ET Q q 0 0 0 rg BT 301.79 562.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.68 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 332.70 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 343.05 562.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 379.90 562.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 429.80 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 434.32 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.55 562.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 489.46 562.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 526.45 562.10 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.83 550.10 Td ($8.4 ) Tj ET Q q 0 0 0 rg BT 80.83 550.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.72 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 112.22 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.72 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.44 550.10 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.10 526.10 Td (May1, ) Tj ET Q q 0 0 0 rg BT 94.30 526.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 114.30 526.10 Td (, ) Tj ET Q q 0 0 0 rg BT 118.67 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.76 526.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.53 526.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 209.82 526.10 Td (First ) Tj ET Q q 0 0 0 rg BT 230.04 526.10 Td (Lansing ) Tj ET Q q 0 0 0 rg BT 264.13 526.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 302.38 526.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 319.52 526.10 Td (\("FLB"\). ) Tj ET Q q 0 0 0 rg BT 357.06 526.10 Td (FLB ) Tj ET Q q 0 0 0 rg BT 377.27 526.10 Td (was ) Tj ET Q q 0 0 0 rg BT 394.70 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.79 526.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 435.65 526.10 Td (company ) Tj ET Q q 0 0 0 rg BT 474.18 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.38 526.10 Td (First ) Tj ET Q q 0 0 0 rg BT 504.60 526.10 Td (National ) Tj ET Q q 0 0 0 rg BT 540.90 526.10 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.00 514.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 90.00 514.10 Td (\("FNBI"\), ) Tj ET Q q 0 0 0 rg BT 131.78 514.10 Td (which ) Tj ET Q q 0 0 0 rg BT 157.89 514.10 Td (operated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.98 514.10 Td (seven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.75 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 218.42 514.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 252.30 514.10 Td (locations ) Tj ET Q q 0 0 0 rg BT 290.08 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 299.52 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.41 514.10 Td (south ) Tj ET Q q 0 0 0 rg BT 336.75 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.85 514.10 Td (southwest ) Tj ET Q q 0 0 0 rg BT 394.52 514.10 Td (suburbs ) Tj ET Q q 0 0 0 rg BT 427.31 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.30 514.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 474.80 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 484.80 514.10 Td (well ) Tj ET Q q 0 0 0 rg BT 503.68 514.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.68 514.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.12 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 529.79 514.10 Td (location ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.94 502.10 Td (northwest ) Tj ET Q q 0 0 0 rg BT 101.53 502.10 Td (Indiana. ) Tj ET Q q 0 0 0 rg BT 135.70 502.10 Td (As ) Tj ET Q q 0 0 0 rg BT 148.97 502.10 Td (part ) Tj ET Q q 0 0 0 rg BT 166.67 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.16 502.10 Td (this ) Tj ET Q q 0 0 0 rg BT 193.77 502.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 242.29 502.10 Td (FNBI ) Tj ET Q q 0 0 0 rg BT 267.23 502.10 Td (was ) Tj ET Q q 0 0 0 rg BT 284.94 502.10 Td (mer) Tj ET Q q 0 0 0 rg BT 300.31 502.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 316.91 502.10 Td (into ) Tj ET Q q 0 0 0 rg BT 334.62 502.10 Td (Old ) Tj ET Q q 0 0 0 rg BT 351.78 502.10 Td (Plank ) Tj ET Q q 0 0 0 rg BT 376.56 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 382.31 502.10 Td (rail ) Tj ET Q q 0 0 0 rg BT 397.80 502.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 423.40 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 441.11 502.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 482.15 502.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 518.73 502.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 544.22 502.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.72 490.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 72.87 490.10 Td (value ) Tj ET Q q 0 0 0 rg BT 96.80 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.41 490.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.45 490.10 Td ($373.4 ) Tj ET Q q 0 0 0 rg BT 197.23 490.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.12 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 230.90 490.10 Td (including ) Tj ET Q q 0 0 0 rg BT 270.95 490.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.98 490.10 Td ($123.0 ) Tj ET Q q 0 0 0 rg BT 360.76 490.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.93 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.54 490.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 428.43 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.14 490.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 481.86 490.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 521.35 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 541.41 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 548.13 490.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.93 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.54 478.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.57 478.10 Td ($334.7 ) Tj ET Q q 0 0 0 rg BT 174.35 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.24 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 208.01 478.10 Td (including ) Tj ET Q q 0 0 0 rg BT 248.06 478.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.10 478.10 Td ($331.4 ) Tj ET Q q 0 0 0 rg BT 337.87 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.76 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 369.04 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.64 478.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 416.70 478.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 466.60 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 471.37 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.87 478.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 527.03 478.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 88.06 466.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 466.10 Td ($14.0 ) Tj ET Q q 0 0 0 rg BT 123.89 466.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.78 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.28 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 167.78 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.50 466.10 Td (acquisition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 75.65 430.10 Td (Assisted Bank ) Tj ET Q q 0 0 0 rg BT 133.79 430.10 Td (Acquisitions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 402.30 Td (Since ) Tj ET Q q 0 0 0 rg BT 75.74 402.30 Td (2010, ) Tj ET Q q 0 0 0 rg BT 101.76 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 117.50 402.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 159.91 402.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 197.86 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 213.60 402.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 249.34 402.30 Td (operations, ) Tj ET Q q 0 0 0 rg BT 297.02 402.30 Td (including ) Tj ET Q q 0 0 0 rg BT 338.31 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 354.05 402.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 401.46 402.30 Td (of ) Tj ET Q q 0 0 0 rg BT 413.31 402.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 444.04 402.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 470.89 402.30 Td (and ) Tj ET Q q 0 0 0 rg BT 488.85 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 504.59 402.30 Td (assumption ) Tj ET Q q 0 0 0 rg BT 553.67 402.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 390.30 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 91.70 390.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.02 390.30 Td (nine) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.24 390.30 Td ( ) Tj ET Q q 0 0 0 rg BT 121.23 390.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 158.19 390.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 204.63 390.30 Td (in ) Tj ET Q q 0 0 0 rg BT 214.40 390.30 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 273.61 390.30 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 325.86 390.30 Td (Loans ) Tj ET Q q 0 0 0 rg BT 352.29 390.30 Td (comprise ) Tj ET Q q 0 0 0 rg BT 390.93 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 405.13 390.30 Td (majority ) Tj ET Q q 0 0 0 rg BT 441.00 390.30 Td (of ) Tj ET Q q 0 0 0 rg BT 451.32 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 465.52 390.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 490.84 390.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 527.25 390.30 Td (in ) Tj ET Q q 0 0 0 rg BT 537.02 390.30 Td (nearly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 378.30 Td (all ) Tj ET Q q 0 0 0 rg BT 62.75 378.30 Td (of ) Tj ET Q q 0 0 0 rg BT 73.84 378.30 Td (these ) Tj ET Q q 0 0 0 rg BT 97.14 378.30 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 157.12 378.30 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 210.14 378.30 Td (most ) Tj ET Q q 0 0 0 rg BT 232.34 378.30 Td (of ) Tj ET Q q 0 0 0 rg BT 243.43 378.30 Td (which ) Tj ET Q q 0 0 0 rg BT 270.63 378.30 Td (are ) Tj ET Q q 0 0 0 rg BT 285.59 378.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 316.67 378.30 Td (to ) Tj ET Q q 0 0 0 rg BT 327.20 378.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 345.52 378.30 Td (sharing ) Tj ET Q q 0 0 0 rg BT 377.72 378.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 426.01 378.30 Td (with ) Tj ET Q q 0 0 0 rg BT 446.54 378.30 Td (the ) Tj ET Q q 0 0 0 rg BT 461.51 378.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 487.05 378.30 Td (whereby ) Tj ET Q q 0 0 0 rg BT 524.24 378.30 Td (the ) Tj ET Q q 0 0 0 rg BT 539.21 378.30 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 366.30 Td (has ) Tj ET Q q 0 0 0 rg BT 65.66 366.30 Td (agreed ) Tj ET Q q 0 0 0 rg BT 94.64 366.30 Td (to ) Tj ET Q q 0 0 0 rg BT 104.75 366.30 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 147.07 366.30 Td (the ) Tj ET Q q 0 0 0 rg BT 161.61 366.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.83 366.30 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.82 366.30 Td (80%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.15 366.30 Td ( ) Tj ET Q q 0 0 0 rg BT 237.49 366.30 Td (of ) Tj ET Q q 0 0 0 rg BT 248.15 366.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 274.37 366.30 Td (incurred ) Tj ET Q q 0 0 0 rg BT 310.02 366.30 Td (on ) Tj ET Q q 0 0 0 rg BT 322.35 366.30 Td (the ) Tj ET Q q 0 0 0 rg BT 336.90 366.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 379.77 366.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 405.71 366.30 Td (other ) Tj ET Q q 0 0 0 rg BT 428.58 366.30 Td (real ) Tj ET Q q 0 0 0 rg BT 445.90 366.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 471.00 366.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 499.99 366.30 Td (\(OREO\), ) Tj ET Q q 0 0 0 rg BT 547.58 366.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 354.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.49 354.30 Td (other ) Tj ET Q q 0 0 0 rg BT 102.32 354.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 129.93 354.30 Td (Additionally) Tj ET Q q 0 0 0 rg BT 179.83 354.30 Td (, ) Tj ET Q q 0 0 0 rg BT 184.61 354.30 Td (clawback ) Tj ET Q q 0 0 0 rg BT 224.65 354.30 Td (provisions ) Tj ET Q q 0 0 0 rg BT 268.61 354.30 Td (within ) Tj ET Q q 0 0 0 rg BT 296.45 354.30 Td (these ) Tj ET Q q 0 0 0 rg BT 319.28 354.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 337.12 354.30 Td (share ) Tj ET Q q 0 0 0 rg BT 360.51 354.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 408.32 354.30 Td (with ) Tj ET Q q 0 0 0 rg BT 428.39 354.30 Td (the ) Tj ET Q q 0 0 0 rg BT 442.89 354.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 467.95 354.30 Td (require ) Tj ET Q q 0 0 0 rg BT 498.55 354.30 Td (the ) Tj ET Q q 0 0 0 rg BT 513.05 354.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 554.23 354.30 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 342.30 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 92.60 342.30 Td (the ) Tj ET Q q 0 0 0 rg BT 107.43 342.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 132.83 342.30 Td (in ) Tj ET Q q 0 0 0 rg BT 143.23 342.30 Td (the ) Tj ET Q q 0 0 0 rg BT 158.06 342.30 Td (event ) Tj ET Q q 0 0 0 rg BT 182.33 342.30 Td (that ) Tj ET Q q 0 0 0 rg BT 199.94 342.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 226.43 342.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 252.94 342.30 Td (on ) Tj ET Q q 0 0 0 rg BT 265.56 342.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 299.82 342.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 325.76 342.30 Td (are ) Tj ET Q q 0 0 0 rg BT 340.59 342.30 Td (lower ) Tj ET Q q 0 0 0 rg BT 365.97 342.30 Td (than ) Tj ET Q q 0 0 0 rg BT 385.81 342.30 Td (the ) Tj ET Q q 0 0 0 rg BT 400.64 342.30 Td (original ) Tj ET Q q 0 0 0 rg BT 434.36 342.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 452.54 342.30 Td (estimates ) Tj ET Q q 0 0 0 rg BT 492.36 342.30 Td (agreed ) Tj ET Q q 0 0 0 rg BT 521.63 342.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 544.24 342.30 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.78 330.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 90.13 330.30 Td (with ) Tj ET Q q 0 0 0 rg BT 110.48 330.30 Td (respect ) Tj ET Q q 0 0 0 rg BT 141.36 330.30 Td (of ) Tj ET Q q 0 0 0 rg BT 152.26 330.30 Td (such ) Tj ET Q q 0 0 0 rg BT 173.16 330.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 199.06 330.30 Td (in ) Tj ET Q q 0 0 0 rg BT 209.40 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 224.19 330.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 242.31 330.30 Td (share ) Tj ET Q q 0 0 0 rg BT 265.98 330.30 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 316.39 330.30 Td (The ) Tj ET Q q 0 0 0 rg BT 334.51 330.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 375.96 330.30 Td (refers ) Tj ET Q q 0 0 0 rg BT 401.29 330.30 Td (to ) Tj ET Q q 0 0 0 rg BT 411.63 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 426.42 330.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 450.09 330.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 480.99 330.30 Td (to ) Tj ET Q q 0 0 0 rg BT 491.33 330.30 Td (these ) Tj ET Q q 0 0 0 rg BT 514.45 330.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 532.58 330.30 Td (sharing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 318.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 98.68 318.30 Td (as ) Tj ET Q q 0 0 0 rg BT 110.15 318.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 149.38 318.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 178.07 318.30 Td (and ) Tj ET Q q 0 0 0 rg BT 195.65 318.30 Td (uses ) Tj ET Q q 0 0 0 rg BT 216.01 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 231.38 318.30 Td (term ) Tj ET Q q 0 0 0 rg BT 252.84 318.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 292.07 318.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 322.98 318.30 Td (to ) Tj ET Q q 0 0 0 rg BT 333.91 318.30 Td (refer ) Tj ET Q q 0 0 0 rg BT 355.92 318.30 Td (to ) Tj ET Q q 0 0 0 rg BT 366.84 318.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 401.63 318.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 428.38 318.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 463.17 318.30 Td (OREO ) Tj ET Q q 0 0 0 rg BT 493.53 318.30 Td (and ) Tj ET Q q 0 0 0 rg BT 511.12 318.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 541.46 318.30 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 306.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 84.42 306.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 113.02 306.30 Td ( ) Tj ET Q q 0 0 0 rg BT 115.59 306.30 Td (The ) Tj ET Q q 0 0 0 rg BT 133.90 306.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 182.20 306.30 Td (with ) Tj ET Q q 0 0 0 rg BT 202.75 306.30 Td (the ) Tj ET Q q 0 0 0 rg BT 217.74 306.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 243.29 306.30 Td (require ) Tj ET Q q 0 0 0 rg BT 274.38 306.30 Td (that ) Tj ET Q q 0 0 0 rg BT 292.14 306.30 Td (the ) Tj ET Q q 0 0 0 rg BT 307.13 306.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 348.79 306.30 Td (follow ) Tj ET Q q 0 0 0 rg BT 377.67 306.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 407.64 306.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 447.06 306.30 Td (procedures ) Tj ET Q q 0 0 0 rg BT 493.70 306.30 Td (or ) Tj ET Q q 0 0 0 rg BT 504.80 306.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 522.57 306.30 Td (losing ) Tj ET Q q 0 0 0 rg BT 549.79 306.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 294.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 75.28 294.30 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 137.76 294.30 Td (of ) Tj ET Q q 0 0 0 rg BT 148.59 294.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 182.74 294.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 204.68 294.30 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 273.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.32 273.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 92.21 273.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 126.63 273.30 Td (by ) Tj ET Q q 0 0 0 rg BT 139.40 273.30 Td (the ) Tj ET Q q 0 0 0 rg BT 154.40 273.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 172.73 273.30 Td (sharing ) Tj ET Q q 0 0 0 rg BT 204.95 273.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 253.26 273.30 Td (are ) Tj ET Q q 0 0 0 rg BT 268.24 273.30 Td (classified ) Tj ET Q q 0 0 0 rg BT 308.78 273.30 Td (and ) Tj ET Q q 0 0 0 rg BT 325.99 273.30 Td (presented ) Tj ET Q q 0 0 0 rg BT 367.08 273.30 Td (as ) Tj ET Q q 0 0 0 rg BT 378.19 273.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 412.61 273.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 436.50 273.30 Td (and ) Tj ET Q q 0 0 0 rg BT 453.71 273.30 Td (the ) Tj ET Q q 0 0 0 rg BT 468.70 273.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 509.80 273.30 Td (reimbursable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 261.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.60 261.30 Td (are ) Tj ET Q q 0 0 0 rg BT 91.51 261.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 129.19 261.30 Td (as ) Tj ET Q q 0 0 0 rg BT 140.23 261.30 Td (an ) Tj ET Q q 0 0 0 rg BT 152.38 261.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 177.87 261.30 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 243.89 261.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 266.03 261.30 Td (in ) Tj ET Q q 0 0 0 rg BT 276.52 261.30 Td (the ) Tj ET Q q 0 0 0 rg BT 291.44 261.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 346.92 261.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 393.51 261.30 Td (of ) Tj ET Q q 0 0 0 rg BT 404.55 261.30 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 449.76 261.30 Td ( ) Tj ET Q q 0 0 0 rg BT 452.27 261.30 Td (The ) Tj ET Q q 0 0 0 rg BT 470.52 261.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 512.11 261.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 549.80 261.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 249.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 86.42 249.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 111.74 249.30 Td (and ) Tj ET Q q 0 0 0 rg BT 128.17 249.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 167.38 249.30 Td (at ) Tj ET Q q 0 0 0 rg BT 176.59 249.30 Td (their ) Tj ET Q q 0 0 0 rg BT 196.91 249.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 237.23 249.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 253.10 249.30 Td (values ) Tj ET Q q 0 0 0 rg BT 280.64 249.30 Td (at ) Tj ET Q q 0 0 0 rg BT 289.85 249.30 Td (the ) Tj ET Q q 0 0 0 rg BT 304.06 249.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 349.93 249.30 Td (date. ) Tj ET Q q 0 0 0 rg BT 370.94 249.30 Td (The ) Tj ET Q q 0 0 0 rg BT 388.48 249.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 404.35 249.30 Td (value ) Tj ET Q q 0 0 0 rg BT 428.00 249.30 Td (for ) Tj ET Q q 0 0 0 rg BT 441.65 249.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 464.75 249.30 Td (reflected ) Tj ET Q q 0 0 0 rg BT 501.72 249.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 539.25 249.30 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 237.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.96 237.30 Td (at ) Tj ET Q q 0 0 0 rg BT 87.25 237.30 Td (the ) Tj ET Q q 0 0 0 rg BT 102.53 237.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 149.48 237.30 Td (date. ) Tj ET Q q 0 0 0 rg BT 171.48 237.30 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 216.47 237.30 Td (the ) Tj ET Q q 0 0 0 rg BT 231.75 237.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 273.71 237.30 Td (will ) Tj ET Q q 0 0 0 rg BT 292.33 237.30 Td (only ) Tj ET Q q 0 0 0 rg BT 313.18 237.30 Td (recognize ) Tj ET Q q 0 0 0 rg BT 355.11 237.30 Td (a ) Tj ET Q q 0 0 0 rg BT 362.62 237.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 403.47 237.30 Td (for ) Tj ET Q q 0 0 0 rg BT 418.20 237.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 444.03 237.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 470.99 237.30 Td (and ) Tj ET Q q 0 0 0 rg BT 488.50 237.30 Td (char) Tj ET Q q 0 0 0 rg BT 505.52 237.30 Td (ge-of) Tj ET Q q 0 0 0 rg BT 526.44 237.30 Td (fs ) Tj ET Q q 0 0 0 rg BT 536.73 237.30 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 237.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 225.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 86.97 225.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 110.62 225.30 Td (for ) Tj ET Q q 0 0 0 rg BT 124.82 225.30 Td (any ) Tj ET Q q 0 0 0 rg BT 141.80 225.30 Td (further ) Tj ET Q q 0 0 0 rg BT 171.55 225.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 196.85 225.30 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 250.48 225.30 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 297.46 225.30 Td (to ) Tj ET Q q 0 0 0 rg BT 307.78 225.30 Td (the ) Tj ET Q q 0 0 0 rg BT 322.54 225.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 368.96 225.30 Td (date. ) Tj ET Q q 0 0 0 rg BT 390.66 225.30 Td (See ) Tj ET Q q 0 0 0 rg BT 407.64 225.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 429.62 225.30 Td (5 ) Tj ET Q q 0 0 0 rg BT 437.16 225.30 Td ( ) Tj ET Q q 0 0 0 rg BT 449.14 225.30 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 495.00 225.30 Td (for ) Tj ET Q q 0 0 0 rg BT 509.20 225.30 Td (Loan ) Tj ET Q q 0 0 0 rg BT 532.29 225.30 Td (Losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 213.30 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 95.67 213.30 Td (for ) Tj ET Q q 0 0 0 rg BT 109.69 213.30 Td (Losses ) Tj ET Q q 0 0 0 rg BT 139.27 213.30 Td (on ) Tj ET Q q 0 0 0 rg BT 151.63 213.30 Td (Lending-Related ) Tj ET Q q 0 0 0 rg BT 221.18 213.30 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 280.21 213.30 Td (and ) Tj ET Q q 0 0 0 rg BT 297.00 213.30 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 335.46 213.30 Td (Loans ) Tj ET Q q 0 0 0 rg BT 362.25 213.30 Td (for ) Tj ET Q q 0 0 0 rg BT 376.27 213.30 Td (further ) Tj ET Q q 0 0 0 rg BT 405.83 213.30 Td (discussion ) Tj ET Q q 0 0 0 rg BT 449.86 213.30 Td (of ) Tj ET Q q 0 0 0 rg BT 460.55 213.30 Td (the ) Tj ET Q q 0 0 0 rg BT 475.12 213.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 518.01 213.30 Td (on ) Tj ET Q q 0 0 0 rg BT 530.37 213.30 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 201.30 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 180.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 180.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 85.36 180.30 Td (share ) Tj ET Q q 0 0 0 rg BT 108.58 180.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 156.24 180.30 Td (with ) Tj ET Q q 0 0 0 rg BT 176.14 180.30 Td (the ) Tj ET Q q 0 0 0 rg BT 190.48 180.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 215.39 180.30 Td (cover ) Tj ET Q q 0 0 0 rg BT 239.72 180.30 Td (realized ) Tj ET Q q 0 0 0 rg BT 273.48 180.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 299.50 180.30 Td (on ) Tj ET Q q 0 0 0 rg BT 311.62 180.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 337.35 180.30 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 381.12 180.30 Td (real ) Tj ET Q q 0 0 0 rg BT 398.23 180.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 423.12 180.30 Td (and ) Tj ET Q q 0 0 0 rg BT 439.68 180.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 469.01 180.30 Td (other ) Tj ET Q q 0 0 0 rg BT 491.68 180.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 517.13 180.30 Td (and ) Tj ET Q q 0 0 0 rg BT 533.70 180.30 Td (require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 168.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.63 168.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 105.92 168.30 Td (to ) Tj ET Q q 0 0 0 rg BT 116.11 168.30 Td (record ) Tj ET Q q 0 0 0 rg BT 144.06 168.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 162.03 168.30 Td (share ) Tj ET Q q 0 0 0 rg BT 185.54 168.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 211.28 168.30 Td (and ) Tj ET Q q 0 0 0 rg BT 228.13 168.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 267.75 168.30 Td (thatare ) Tj ET Q q 0 0 0 rg BT 299.86 168.30 Td (measured ) Tj ET Q q 0 0 0 rg BT 340.59 168.30 Td (separately ) Tj ET Q q 0 0 0 rg BT 383.53 168.30 Td (from ) Tj ET Q q 0 0 0 rg BT 405.38 168.30 Td (the ) Tj ET Q q 0 0 0 rg BT 420.00 168.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 439.63 168.30 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 480.93 168.30 Td (because ) Tj ET Q q 0 0 0 rg BT 514.98 168.30 Td (they ) Tj ET Q q 0 0 0 rg BT 534.61 168.30 Td (are ) Tj ET Q q 0 0 0 rg BT 549.23 168.30 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 156.30 Td (contractually ) Tj ET Q q 0 0 0 rg BT 104.68 156.30 Td (embedded ) Tj ET Q q 0 0 0 rg BT 148.25 156.30 Td (in ) Tj ET Q q 0 0 0 rg BT 158.52 156.30 Td (the ) Tj ET Q q 0 0 0 rg BT 173.21 156.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 196.80 156.30 Td (and ) Tj ET Q q 0 0 0 rg BT 213.72 156.30 Td (are ) Tj ET Q q 0 0 0 rg BT 228.41 156.30 Td (not ) Tj ET Q q 0 0 0 rg BT 243.67 156.30 Td (transferable ) Tj ET Q q 0 0 0 rg BT 293.35 156.30 Td (with ) Tj ET Q q 0 0 0 rg BT 313.61 156.30 Td (the ) Tj ET Q q 0 0 0 rg BT 328.31 156.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 351.90 156.30 Td (should ) Tj ET Q q 0 0 0 rg BT 381.05 156.30 Td (the ) Tj ET Q q 0 0 0 rg BT 395.75 156.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 437.12 156.30 Td (choose ) Tj ET Q q 0 0 0 rg BT 467.37 156.30 Td (to ) Tj ET Q q 0 0 0 rg BT 477.63 156.30 Td (dispose ) Tj ET Q q 0 0 0 rg BT 510.11 156.30 Td (of ) Tj ET Q q 0 0 0 rg BT 520.92 156.30 Td (them. ) Tj ET Q q 0 0 0 rg BT 545.90 156.30 Td (Fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 144.30 Td (values ) Tj ET Q q 0 0 0 rg BT 77.29 144.30 Td (at ) Tj ET Q q 0 0 0 rg BT 86.26 144.30 Td (the ) Tj ET Q q 0 0 0 rg BT 100.22 144.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 145.85 144.30 Td (dates ) Tj ET Q q 0 0 0 rg BT 168.15 144.30 Td (were ) Tj ET Q q 0 0 0 rg BT 189.33 144.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 229.39 144.30 Td (based ) Tj ET Q q 0 0 0 rg BT 253.91 144.30 Td (on ) Tj ET Q q 0 0 0 rg BT 265.66 144.30 Td (projected ) Tj ET Q q 0 0 0 rg BT 304.61 144.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 324.13 144.30 Td (flows ) Tj ET Q q 0 0 0 rg BT 348.10 144.30 Td (available ) Tj ET Q q 0 0 0 rg BT 385.93 144.30 Td (for ) Tj ET Q q 0 0 0 rg BT 399.34 144.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 416.65 144.30 Td (share ) Tj ET Q q 0 0 0 rg BT 439.50 144.30 Td (based ) Tj ET Q q 0 0 0 rg BT 464.01 144.30 Td (on ) Tj ET Q q 0 0 0 rg BT 475.76 144.30 Td (the ) Tj ET Q q 0 0 0 rg BT 489.73 144.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 514.24 144.30 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 132.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 89.67 132.30 Td (for ) Tj ET Q q 0 0 0 rg BT 102.68 132.30 Td (each ) Tj ET Q q 0 0 0 rg BT 122.35 132.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 140.91 132.30 Td (pool ) Tj ET Q q 0 0 0 rg BT 160.04 132.30 Td (and ) Tj ET Q q 0 0 0 rg BT 175.83 132.30 Td (the ) Tj ET Q q 0 0 0 rg BT 189.40 132.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 206.31 132.30 Td (share ) Tj ET Q q 0 0 0 rg BT 228.76 132.30 Td (percentages. ) Tj ET Q q 0 0 0 rg BT 279.70 132.30 Td (The ) Tj ET Q q 0 0 0 rg BT 296.60 132.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 313.51 132.30 Td (share ) Tj ET Q q 0 0 0 rg BT 335.96 132.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 360.64 132.30 Td (and ) Tj ET Q q 0 0 0 rg BT 376.43 132.30 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 415.00 132.30 Td (are ) Tj ET Q q 0 0 0 rg BT 428.55 132.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 464.88 132.30 Td (as ) Tj ET Q q 0 0 0 rg BT 474.56 132.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 498.69 132.30 Td (indemnification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 77.66 120.30 Td (and ) Tj ET Q q 0 0 0 rg BT 96.43 120.30 Td (other ) Tj ET Q q 0 0 0 rg BT 121.31 120.30 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 165.35 120.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 213.02 120.30 Td (, ) Tj ET Q q 0 0 0 rg BT 219.85 120.30 Td (on ) Tj ET Q q 0 0 0 rg BT 234.18 120.30 Td (the ) Tj ET Q q 0 0 0 rg BT 250.72 120.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 307.83 120.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 356.04 120.30 Td (of ) Tj ET Q q 0 0 0 rg BT 368.70 120.30 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 415.54 120.30 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 465.98 120.30 Td (to ) Tj ET Q q 0 0 0 rg BT 478.08 120.30 Td (the ) Tj ET Q q 0 0 0 rg BT 494.63 120.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 542.84 120.30 Td (date, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.30 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 116.87 108.30 Td (received ) Tj ET Q q 0 0 0 rg BT 153.73 108.30 Td (from ) Tj ET Q q 0 0 0 rg BT 176.17 108.30 Td (the ) Tj ET Q q 0 0 0 rg BT 191.38 108.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 217.16 108.30 Td (for ) Tj ET Q q 0 0 0 rg BT 231.82 108.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 258.69 108.30 Td (incurred ) Tj ET Q q 0 0 0 rg BT 295.00 108.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 321.89 108.30 Td (will ) Tj ET Q q 0 0 0 rg BT 340.45 108.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 370.09 108.30 Td (the ) Tj ET Q q 0 0 0 rg BT 385.31 108.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 411.09 108.30 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 477.40 108.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 506.23 108.30 Td (Reductions ) Tj ET Q q 0 0 0 rg BT 554.22 108.30 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 88.16 96.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 117.19 96.30 Td (to ) Tj ET Q q 0 0 0 rg BT 127.59 96.30 Td (the ) Tj ET Q q 0 0 0 rg BT 142.44 96.30 Td (extent ) Tj ET Q q 0 0 0 rg BT 169.51 96.30 Td (such ) Tj ET Q q 0 0 0 rg BT 190.47 96.30 Td (reductions ) Tj ET Q q 0 0 0 rg BT 234.75 96.30 Td (to ) Tj ET Q q 0 0 0 rg BT 245.16 96.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 283.33 96.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 309.85 96.30 Td (are ) Tj ET Q q 0 0 0 rg BT 324.69 96.30 Td (the ) Tj ET Q q 0 0 0 rg BT 339.53 96.30 Td (result ) Tj ET Q q 0 0 0 rg BT 364.38 96.30 Td (of ) Tj ET Q q 0 0 0 rg BT 375.34 96.30 Td (an ) Tj ET Q q 0 0 0 rg BT 387.41 96.30 Td (improvement ) Tj ET Q q 0 0 0 rg BT 443.36 96.30 Td (to ) Tj ET Q q 0 0 0 rg BT 453.77 96.30 Td (the ) Tj ET Q q 0 0 0 rg BT 468.62 96.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 495.12 96.30 Td (or ) Tj ET Q q 0 0 0 rg BT 506.08 96.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 544.25 96.30 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.30 Td (flows ) Tj ET Q q 0 0 0 rg BT 74.43 84.30 Td (from ) Tj ET Q q 0 0 0 rg BT 96.08 84.30 Td (the ) Tj ET Q q 0 0 0 rg BT 110.51 84.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 144.36 84.30 Td (assets, ) Tj ET Q q 0 0 0 rg BT 172.40 84.30 Td (will ) Tj ET Q q 0 0 0 rg BT 190.17 84.30 Td (also ) Tj ET Q q 0 0 0 rg BT 208.48 84.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 237.34 84.30 Td (the ) Tj ET Q q 0 0 0 rg BT 251.77 84.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 276.76 84.30 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 342.28 84.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 367.82 84.30 Td (and, ) Tj ET Q q 0 0 0 rg BT 386.97 84.30 Td (if ) Tj ET Q q 0 0 0 rg BT 395.29 84.30 Td (necessary) Tj ET Q q 0 0 0 rg BT 433.51 84.30 Td (, ) Tj ET Q q 0 0 0 rg BT 438.22 84.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 473.18 84.30 Td (any ) Tj ET Q q 0 0 0 rg BT 489.83 84.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 507.60 84.30 Td (share ) Tj ET Q q 0 0 0 rg BT 530.91 84.30 Td (liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.30 Td (when ) Tj ET Q q 0 0 0 rg BT 73.34 72.30 Td (necessary ) Tj ET Q q 0 0 0 rg BT 113.89 72.30 Td (reductions ) Tj ET Q q 0 0 0 rg BT 157.23 72.30 Td (exceed ) Tj ET Q q 0 0 0 rg BT 186.67 72.30 Td (the ) Tj ET Q q 0 0 0 rg BT 200.56 72.30 Td (current ) Tj ET Q q 0 0 0 rg BT 230.56 72.30 Td (value ) Tj ET Q q 0 0 0 rg BT 253.90 72.30 Td (of ) Tj ET Q q 0 0 0 rg BT 263.91 72.30 Td (the ) Tj ET Q q 0 0 0 rg BT 277.81 72.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 302.28 72.30 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 367.27 72.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 394.79 72.30 Td (In ) Tj ET Q q 0 0 0 rg BT 404.80 72.30 Td (accordance ) Tj ET Q q 0 0 0 rg BT 451.44 72.30 Td (with ) Tj ET Q q 0 0 0 rg BT 470.90 72.30 Td (the ) Tj ET Q q 0 0 0 rg BT 484.80 72.30 Td (clawback ) Tj ET Q q 0 0 0 rg BT 524.24 72.30 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 60.30 Td (noted ) Tj ET Q q 0 0 0 rg BT 74.48 60.30 Td (above, ) Tj ET Q q 0 0 0 rg BT 103.12 60.30 Td (the ) Tj ET Q q 0 0 0 rg BT 117.60 60.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 158.75 60.30 Td (may ) Tj ET Q q 0 0 0 rg BT 178.23 60.30 Td (be ) Tj ET Q q 0 0 0 rg BT 189.93 60.30 Td (required ) Tj ET Q q 0 0 0 rg BT 225.50 60.30 Td (to ) Tj ET Q q 0 0 0 rg BT 235.54 60.30 Td (reimburse ) Tj ET Q q 0 0 0 rg BT 277.79 60.30 Td (the ) Tj ET Q q 0 0 0 rg BT 292.27 60.30 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 317.32 60.30 Td (when ) Tj ET Q q 0 0 0 rg BT 341.24 60.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 367.37 60.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 393.53 60.30 Td (are ) Tj ET Q q 0 0 0 rg BT 408.00 60.30 Td (less ) Tj ET Q q 0 0 0 rg BT 425.26 60.30 Td (than ) Tj ET Q q 0 0 0 rg BT 444.74 60.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 474.20 60.30 Td (thresholds ) Tj ET Q q 0 0 0 rg BT 517.57 60.30 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 48.30 Td (for ) Tj ET Q q 0 0 0 rg BT 64.33 48.30 Td (each ) Tj ET Q q 0 0 0 rg BT 85.32 48.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 103.56 48.30 Td (share ) Tj ET Q q 0 0 0 rg BT 127.33 48.30 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 173.95 48.30 Td (The ) Tj ET Q q 0 0 0 rg BT 192.17 48.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 225.38 48.30 Td (of ) Tj ET Q q 0 0 0 rg BT 236.38 48.30 Td (these ) Tj ET Q q 0 0 0 rg BT 259.60 48.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 300.59 48.30 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 367.14 48.30 Td (in ) Tj ET Q q 0 0 0 rg BT 377.59 48.30 Td (accordance ) Tj ET Q q 0 0 0 rg BT 425.22 48.30 Td (with ) Tj ET Q q 0 0 0 rg BT 445.68 48.30 Td (clawback ) Tj ET Q q 0 0 0 rg BT 486.10 48.30 Td (provisions ) Tj ET Q q 0 0 0 rg BT 530.45 48.30 Td (and ) Tj ET Q q 0 0 0 rg BT 547.56 48.30 Td (any ) Tj ET Q endstream endobj 261 0 obj <> endobj 262 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (130) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 78.82 742.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 130.97 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 144.80 742.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 179.74 742.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 229.12 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 242.40 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 276.22 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 285.62 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.45 742.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 336.60 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 362.11 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 373.73 742.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 406.99 742.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 434.44 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 436.06 742.10 Td (On ) Tj ET Q q 0 0 0 rg BT 449.90 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.73 742.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 518.12 742.10 Td (Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.63 730.10 Td (Condition, ) Tj ET Q q 0 0 0 rg BT 105.44 730.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 146.07 730.10 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 212.25 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 233.99 730.10 Td (clawback ) Tj ET Q q 0 0 0 rg BT 274.05 730.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 318.02 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 332.53 730.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 369.81 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 380.45 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 387.19 730.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 427.26 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.34 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.87 730.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 476.95 730.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 542.57 730.10 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (or) Tj ET Q q 0 0 0 rg BT 57.93 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 63.88 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 73.44 718.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 111.65 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 117.60 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 130.49 718.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 166.69 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 177.92 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.58 718.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 212.59 718.10 Td (share ) Tj ET Q q 0 0 0 rg BT 237.14 718.10 Td (liability) Tj ET Q q 0 0 0 rg BT 267.60 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 273.55 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 301.44 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 311.56 718.10 Td (included ) Tj ET Q q 0 0 0 rg BT 349.44 718.10 Td (within ) Tj ET Q q 0 0 0 rg BT 378.44 718.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 412.98 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 445.86 718.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 480.40 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.29 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 522.28 718.10 Td (liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 89.55 706.10 Td (these ) Tj ET Q q 0 0 0 rg BT 111.87 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 136.97 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 150.94 706.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 197.13 706.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 243.87 706.10 Td (from ) Tj ET Q q 0 0 0 rg BT 265.08 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.07 706.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 306.12 706.10 Td (there ) Tj ET Q q 0 0 0 rg BT 327.88 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 341.85 706.10 Td (no ) Tj ET Q q 0 0 0 rg BT 353.62 706.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 399.81 706.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 431.02 706.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 453.77 706.10 Td (Additional ) Tj ET Q q 0 0 0 rg BT 498.32 706.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 535.62 706.10 Td (losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 62.29 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 79.02 694.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 107.97 694.10 Td (such ) Tj ET Q q 0 0 0 rg BT 130.81 694.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 170.86 694.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 199.26 694.10 Td (result ) Tj ET Q q 0 0 0 rg BT 225.99 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.28 694.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 288.34 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.18 694.10 Td (an ) Tj ET Q q 0 0 0 rg BT 315.13 694.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 360.18 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.35 694.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 412.51 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 434.24 694.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 465.15 694.10 Td (will ) Tj ET Q q 0 0 0 rg BT 485.22 694.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 522.48 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.21 694.10 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 116.27 682.10 Td (asset. ) Tj ET Q q 0 0 0 rg BT 140.95 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 159.45 682.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 219.61 682.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 273.10 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 282.73 682.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 320.66 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 331.94 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 339.33 682.10 Td (component ) Tj ET Q q 0 0 0 rg BT 386.72 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.00 682.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 448.72 682.10 Td (income ) Tj ET Q q 0 0 0 rg BT 481.11 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 494.06 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.23 682.10 Td (Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 96.38 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.21 670.10 Td (Income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 649.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 649.10 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 649.10 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 181.63 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.35 649.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 228.84 649.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.12 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.83 649.10 Td (Company) Tj ET Q q 0 0 0 rg BT 295.50 649.10 Td (s ) Tj ET Q q 0 0 0 rg BT 301.89 649.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 327.17 649.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 345.23 649.10 Td (share ) Tj ET Q q 0 0 0 rg BT 368.83 649.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 390.77 649.10 Td (\(liability\) ) Tj ET Q q 0 0 0 rg BT 431.04 649.10 Td (during ) Tj ET Q q 0 0 0 rg BT 459.65 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.37 649.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 506.30 649.10 Td (indicated:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 614.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 614.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 614.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 614.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 614.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 586.60 345.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 586.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 586.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 586.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 586.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 558.60 345.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 558.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 558.60 79.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 558.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 558.60 80.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 520.60 345.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 520.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 520.60 79.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 520.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 520.60 80.00 -16.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 638.6 m 395.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 638.6 m 399.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 638.6 m 478.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 626.6 m 478.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 638.6 m 482.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 626.6 m 482.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 638.6 m 562.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 626.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 614.6 m 395.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 614.6 m 399.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 626.6 m 478.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 614.6 m 478.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 626.6 m 482.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 614.6 m 482.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 626.6 m 562.5 626.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 614.6 m 562.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 614.6 m 562.5 614.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 520.6 m 478.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 520.6 m 482.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 504.6 m 395.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 504.6 m 399.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 520.6 m 478.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 504.6 m 478.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 504.6 m 482.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 520.6 m 562.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 504.6 m 562.5 504.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 630.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.20 630.68 Td (YearEndedDecember31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 618.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.50 618.68 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 618.55 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 605.17 Td (Balance at beginning of period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 605.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 605.28 Td (11,846) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 605.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 605.17 Td (85,672) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 591.17 Td (Additions from acquisitions) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.65 591.28 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 591.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 577.17 Td (Additions from reimbursable expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 452.15 577.28 Td (3,805) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 577.17 Td (6,490) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 563.17 Td (Amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.80 563.33 Td (\(3,282) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.65 563.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 563.22 Td (\(5,763) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 563.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 549.17 Td (Changes in expected reimbursements from the FDIC for changes in expected) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 539.17 Td (credit losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.80 539.33 Td (\(16,610) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.65 539.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 539.32 Td (\(54,554) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 539.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 525.17 Td (Payments received from the FDIC) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.80 525.33 Td (\(1,859) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.65 525.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 525.22 Td (\(19,999) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 525.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 511.17 Td (Balance at end of period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 509.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.80 509.33 Td (\(6,100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 474.65 509.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 509.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 509.27 Td (11,846) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (Divestitur) Tj ET Q q 0 0 0 rg BT 89.62 481.10 Td (e of Pr) Tj ET Q q 0 0 0 rg BT 116.47 481.10 Td (evious FDIC-Assisted ) Tj ET Q q 0 0 0 rg BT 206.27 481.10 Td (Acquisition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.30 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.95 458.30 Td (February1, ) Tj ET Q q 0 0 0 rg BT 113.77 458.30 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.77 458.30 Td (, ) Tj ET Q q 0 0 0 rg BT 138.99 458.30 Td (the ) Tj ET Q q 0 0 0 rg BT 153.93 458.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 195.54 458.30 Td (completed ) Tj ET Q q 0 0 0 rg BT 239.92 458.30 Td (the ) Tj ET Q q 0 0 0 rg BT 254.86 458.30 Td (divestiture ) Tj ET Q q 0 0 0 rg BT 299.79 458.30 Td (of ) Tj ET Q q 0 0 0 rg BT 310.85 458.30 Td (the ) Tj ET Q q 0 0 0 rg BT 325.79 458.30 Td (deposits ) Tj ET Q q 0 0 0 rg BT 361.29 458.30 Td (and ) Tj ET Q q 0 0 0 rg BT 378.45 458.30 Td (current ) Tj ET Q q 0 0 0 rg BT 409.49 458.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 444.43 458.30 Td (operations ) Tj ET Q q 0 0 0 rg BT 488.81 458.30 Td (of ) Tj ET Q q 0 0 0 rg BT 499.86 458.30 Td (Second ) Tj ET Q q 0 0 0 rg BT 532.02 458.30 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.30 Td (to ) Tj ET Q q 0 0 0 rg BT 61.06 446.30 Td (an ) Tj ET Q q 0 0 0 rg BT 73.78 446.30 Td (unaf) Tj ET Q q 0 0 0 rg BT 91.37 446.30 Td (filiated ) Tj ET Q q 0 0 0 rg BT 122.97 446.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 161.23 446.30 Td (institution. ) Tj ET Q q 0 0 0 rg BT 207.33 446.30 Td (Through ) Tj ET Q q 0 0 0 rg BT 245.05 446.30 Td (this ) Tj ET Q q 0 0 0 rg BT 262.78 446.30 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 312.43 446.30 Td (the ) Tj ET Q q 0 0 0 rg BT 327.93 446.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 370.09 446.30 Td (divested ) Tj ET Q q 0 0 0 rg BT 406.70 446.30 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.74 446.30 Td ($149 ) Tj ET Q q 0 0 0 rg BT 491.02 446.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.91 446.30 Td ( ) Tj ET Q q 0 0 0 rg BT 523.19 446.30 Td (of ) Tj ET Q q 0 0 0 rg BT 534.80 446.30 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.30 Td (deposits.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 410.30 Td (Specialty ) Tj ET Q q 0 0 0 rg BT 89.15 410.30 Td (Finance ) Tj ET Q q 0 0 0 rg BT 124.23 410.30 Td (Acquisitions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.70 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.53 388.70 Td (April28, ) Tj ET Q q 0 0 0 rg BT 103.60 388.70 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.60 388.70 Td (, ) Tj ET Q q 0 0 0 rg BT 129.06 388.70 Td (the ) Tj ET Q q 0 0 0 rg BT 144.23 388.70 Td (Company) Tj ET Q q 0 0 0 rg BT 182.47 388.70 Td (, ) Tj ET Q q 0 0 0 rg BT 187.93 388.70 Td (through ) Tj ET Q q 0 0 0 rg BT 222.00 388.70 Td (its ) Tj ET Q q 0 0 0 rg BT 234.41 388.70 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 295.14 388.70 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 335.60 388.70 Td (, ) Tj ET Q q 0 0 0 rg BT 341.06 388.70 Td (First ) Tj ET Q q 0 0 0 rg BT 362.36 388.70 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 404.19 388.70 Td (Funding ) Tj ET Q q 0 0 0 rg BT 440.49 388.70 Td (of ) Tj ET Q q 0 0 0 rg BT 451.78 388.70 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 487.22 388.70 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 507.95 388.70 Td (completed ) Tj ET Q q 0 0 0 rg BT 552.56 388.70 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.70 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 96.13 376.70 Td (of ) Tj ET Q q 0 0 0 rg BT 106.70 376.70 Td (Policy ) Tj ET Q q 0 0 0 rg BT 134.50 376.70 Td (Billing ) Tj ET Q q 0 0 0 rg BT 164.53 376.70 Td (Services ) Tj ET Q q 0 0 0 rg BT 200.65 376.70 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 218.17 376.70 Td (and ) Tj ET Q q 0 0 0 rg BT 234.85 376.70 Td (Equity ) Tj ET Q q 0 0 0 rg BT 263.76 376.70 Td (Premium ) Tj ET Q q 0 0 0 rg BT 302.67 376.70 Td (Finance ) Tj ET Q q 0 0 0 rg BT 336.57 376.70 Td (Inc., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.59 376.70 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.59 376.70 Td ( ) Tj ET Q q 0 0 0 rg BT 373.83 376.70 Td (af) Tj ET Q q 0 0 0 rg BT 381.42 376.70 Td (filiated ) Tj ET Q q 0 0 0 rg BT 411.98 376.70 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 451.99 376.70 Td (insurance ) Tj ET Q q 0 0 0 rg BT 492.55 376.70 Td (premium ) Tj ET Q q 0 0 0 rg BT 530.90 376.70 Td (funding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.70 Td (and ) Tj ET Q q 0 0 0 rg BT 66.24 364.70 Td (payment ) Tj ET Q q 0 0 0 rg BT 102.47 364.70 Td (services ) Tj ET Q q 0 0 0 rg BT 136.48 364.70 Td (companies. ) Tj ET Q q 0 0 0 rg BT 183.41 364.70 Td (Through ) Tj ET Q q 0 0 0 rg BT 219.65 364.70 Td (this ) Tj ET Q q 0 0 0 rg BT 235.90 364.70 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 284.07 364.70 Td (the ) Tj ET Q q 0 0 0 rg BT 298.08 364.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 338.77 364.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 374.99 364.70 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.55 364.70 Td ($7.4 ) Tj ET Q q 0 0 0 rg BT 453.85 364.70 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.74 364.70 Td ( ) Tj ET Q q 0 0 0 rg BT 484.54 364.70 Td (of ) Tj ET Q q 0 0 0 rg BT 494.67 364.70 Td (premium ) Tj ET Q q 0 0 0 rg BT 532.57 364.70 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.70 Td (receivables. ) Tj ET Q q 0 0 0 rg BT 99.79 352.70 Td (The ) Tj ET Q q 0 0 0 rg BT 117.84 352.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 159.22 352.70 Td (recorded ) Tj ET Q q 0 0 0 rg BT 196.70 352.70 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 234.76 352.70 Td (of ) Tj ET Q q 0 0 0 rg BT 245.59 352.70 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.84 352.70 Td ($6.5 ) Tj ET Q q 0 0 0 rg BT 325.84 352.70 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.74 352.70 Td ( ) Tj ET Q q 0 0 0 rg BT 357.24 352.70 Td (on ) Tj ET Q q 0 0 0 rg BT 369.74 352.70 Td (the ) Tj ET Q q 0 0 0 rg BT 384.45 352.70 Td (acquisition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 328.70 Td (W) Tj ET Q q 0 0 0 rg BT 57.41 328.70 Td (ealth ) Tj ET Q q 0 0 0 rg BT 79.91 328.70 Td (Management ) Tj ET Q q 0 0 0 rg BT 134.43 328.70 Td (Acquisitions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 304.70 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.95 304.70 Td (August8, ) Tj ET Q q 0 0 0 rg BT 107.35 304.70 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.35 304.70 Td (, ) Tj ET Q q 0 0 0 rg BT 133.35 304.70 Td (CTC ) Tj ET Q q 0 0 0 rg BT 156.30 304.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 194.22 304.70 Td (the ) Tj ET Q q 0 0 0 rg BT 209.94 304.70 Td (trust ) Tj ET Q q 0 0 0 rg BT 231.22 304.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 276.38 304.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 307.09 304.70 Td (branches ) Tj ET Q q 0 0 0 rg BT 346.13 304.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 384.05 304.70 Td (from ) Tj ET Q q 0 0 0 rg BT 406.74 304.70 Td (T) Tj ET Q q 0 0 0 rg BT 412.15 304.70 Td (almer ) Tj ET Q q 0 0 0 rg BT 438.42 304.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 463.03 304.70 Td (& ) Tj ET Q q 0 0 0 rg BT 474.05 304.70 Td (T) Tj ET Q q 0 0 0 rg BT 479.81 304.70 Td (rust. ) Tj ET Q q 0 0 0 rg BT 500.81 304.70 Td ( ) Tj ET Q q 0 0 0 rg BT 504.06 304.70 Td (The ) Tj ET Q q 0 0 0 rg BT 523.11 304.70 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.70 Td (recorded ) Tj ET Q q 0 0 0 rg BT 87.48 292.70 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 125.53 292.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.36 292.70 Td ($250,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.86 292.70 Td ( ) Tj ET Q q 0 0 0 rg BT 176.36 292.70 Td (on ) Tj ET Q q 0 0 0 rg BT 188.86 292.70 Td (this ) Tj ET Q q 0 0 0 rg BT 205.81 292.70 Td (trust ) Tj ET Q q 0 0 0 rg BT 226.09 292.70 Td (operations ) Tj ET Q q 0 0 0 rg BT 270.24 292.70 Td (acquisition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 268.70 Td (Mortgage Banking ) Tj ET Q q 0 0 0 rg BT 127.58 268.70 Td (Acquisitions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.70 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.34 244.70 Td (October1, ) Tj ET Q q 0 0 0 rg BT 110.66 244.70 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.66 244.70 Td (, ) Tj ET Q q 0 0 0 rg BT 136.28 244.70 Td (the ) Tj ET Q q 0 0 0 rg BT 151.61 244.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 193.62 244.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 231.16 244.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 261.48 244.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 287.92 244.70 Td (and ) Tj ET Q q 0 0 0 rg BT 305.48 244.70 Td (assumed ) Tj ET Q q 0 0 0 rg BT 343.03 244.70 Td (certain ) Tj ET Q q 0 0 0 rg BT 373.35 244.70 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 413.68 244.70 Td (of ) Tj ET Q q 0 0 0 rg BT 425.13 244.70 Td (the ) Tj ET Q q 0 0 0 rg BT 440.46 244.70 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 481.35 244.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 516.68 244.70 Td (business ) Tj ET Q q 0 0 0 rg BT 553.69 244.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.70 Td (Surety ) Tj ET Q q 0 0 0 rg BT 78.67 232.70 Td (of ) Tj ET Q q 0 0 0 rg BT 89.56 232.70 Td (Sherman ) Tj ET Q q 0 0 0 rg BT 127.66 232.70 Td (Oaks, ) Tj ET Q q 0 0 0 rg BT 153.27 232.70 Td (California. ) Tj ET Q q 0 0 0 rg BT 198.87 232.70 Td (Surety ) Tj ET Q q 0 0 0 rg BT 227.54 232.70 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.54 232.70 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.08 232.70 Td ( ) Tj ET Q q 0 0 0 rg BT 262.64 232.70 Td (of) Tj ET Q q 0 0 0 rg BT 270.79 232.70 Td (fices ) Tj ET Q q 0 0 0 rg BT 292.23 232.70 Td (located ) Tj ET Q q 0 0 0 rg BT 323.66 232.70 Td (in ) Tj ET Q q 0 0 0 rg BT 333.99 232.70 Td (southern ) Tj ET Q q 0 0 0 rg BT 370.99 232.70 Td (California ) Tj ET Q q 0 0 0 rg BT 414.09 232.70 Td (which ) Tj ET Q q 0 0 0 rg BT 441.09 232.70 Td (originated ) Tj ET Q q 0 0 0 rg BT 484.19 232.70 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.51 232.70 Td ($1.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.70 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.11 220.70 Td ( ) Tj ET Q q 0 0 0 rg BT 78.61 220.70 Td (in ) Tj ET Q q 0 0 0 rg BT 88.89 220.70 Td (the ) Tj ET Q q 0 0 0 rg BT 103.61 220.70 Td (twelve ) Tj ET Q q 0 0 0 rg BT 132.76 220.70 Td (months ) Tj ET Q q 0 0 0 rg BT 164.71 220.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 186.65 220.70 Td (to ) Tj ET Q q 0 0 0 rg BT 196.93 220.70 Td (the ) Tj ET Q q 0 0 0 rg BT 211.65 220.70 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 258.03 220.70 Td (date. ) Tj ET Q q 0 0 0 rg BT 279.50 220.70 Td (The ) Tj ET Q q 0 0 0 rg BT 297.55 220.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 338.94 220.70 Td (recorded ) Tj ET Q q 0 0 0 rg BT 376.41 220.70 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 414.47 220.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.30 220.70 Td ($9.5 ) Tj ET Q q 0 0 0 rg BT 445.30 220.70 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.19 220.70 Td ( ) Tj ET Q q 0 0 0 rg BT 476.69 220.70 Td (on ) Tj ET Q q 0 0 0 rg BT 489.19 220.70 Td (the ) Tj ET Q q 0 0 0 rg BT 503.91 220.70 Td (acquisition.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 194.70 Td (PCI loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 177.70 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 93.71 177.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 117.42 177.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 154.45 177.70 Td (in ) Tj ET Q q 0 0 0 rg BT 164.84 177.70 Td (a ) Tj ET Q q 0 0 0 rg BT 171.88 177.70 Td (business ) Tj ET Q q 0 0 0 rg BT 208.38 177.70 Td (combination ) Tj ET Q q 0 0 0 rg BT 260.98 177.70 Td (are ) Tj ET Q q 0 0 0 rg BT 275.80 177.70 Td (recorded ) Tj ET Q q 0 0 0 rg BT 313.38 177.70 Td (at ) Tj ET Q q 0 0 0 rg BT 323.20 177.70 Td (estimated ) Tj ET Q q 0 0 0 rg BT 364.13 177.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 380.62 177.70 Td (value ) Tj ET Q q 0 0 0 rg BT 404.88 177.70 Td (on ) Tj ET Q q 0 0 0 rg BT 417.49 177.70 Td (their ) Tj ET Q q 0 0 0 rg BT 438.42 177.70 Td (purchase ) Tj ET Q q 0 0 0 rg BT 476.56 177.70 Td (date. ) Tj ET Q q 0 0 0 rg BT 498.33 177.70 Td (Expected ) Tj ET Q q 0 0 0 rg BT 538.13 177.70 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 165.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.20 165.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 94.86 165.70 Td (at ) Tj ET Q q 0 0 0 rg BT 104.51 165.70 Td (the ) Tj ET Q q 0 0 0 rg BT 119.17 165.70 Td (purchase ) Tj ET Q q 0 0 0 rg BT 157.14 165.70 Td (date ) Tj ET Q q 0 0 0 rg BT 176.23 165.70 Td (in ) Tj ET Q q 0 0 0 rg BT 186.44 165.70 Td (excess ) Tj ET Q q 0 0 0 rg BT 214.98 165.70 Td (of ) Tj ET Q q 0 0 0 rg BT 225.74 165.70 Td (the ) Tj ET Q q 0 0 0 rg BT 240.40 165.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 256.71 165.70 Td (value ) Tj ET Q q 0 0 0 rg BT 280.80 165.70 Td (of ) Tj ET Q q 0 0 0 rg BT 291.56 165.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 315.11 165.70 Td (are ) Tj ET Q q 0 0 0 rg BT 329.75 165.70 Td (recorded ) Tj ET Q q 0 0 0 rg BT 367.16 165.70 Td (as ) Tj ET Q q 0 0 0 rg BT 377.93 165.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 409.80 165.70 Td (income ) Tj ET Q q 0 0 0 rg BT 441.67 165.70 Td (over ) Tj ET Q q 0 0 0 rg BT 461.87 165.70 Td (the ) Tj ET Q q 0 0 0 rg BT 476.52 165.70 Td (life ) Tj ET Q q 0 0 0 rg BT 492.28 165.70 Td (of ) Tj ET Q q 0 0 0 rg BT 503.05 165.70 Td (the ) Tj ET Q q 0 0 0 rg BT 517.70 165.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 541.25 165.70 Td (if ) Tj ET Q q 0 0 0 rg BT 549.79 165.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 153.70 Td (timing ) Tj ET Q q 0 0 0 rg BT 79.18 153.70 Td (and ) Tj ET Q q 0 0 0 rg BT 96.68 153.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 129.74 153.70 Td (of ) Tj ET Q q 0 0 0 rg BT 141.13 153.70 Td (the ) Tj ET Q q 0 0 0 rg BT 156.41 153.70 Td (future ) Tj ET Q q 0 0 0 rg BT 183.35 153.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 204.18 153.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 229.46 153.70 Td (is ) Tj ET Q q 0 0 0 rg BT 239.20 153.70 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 285.58 153.70 Td (estimable ) Tj ET Q q 0 0 0 rg BT 326.96 153.70 Td (\(accretable ) Tj ET Q q 0 0 0 rg BT 378.31 153.70 Td (yield\). ) Tj ET Q q 0 0 0 rg BT 411.41 153.70 Td (The ) Tj ET Q q 0 0 0 rg BT 430.02 153.70 Td (dif) Tj ET Q q 0 0 0 rg BT 440.95 153.70 Td (ference ) Tj ET Q q 0 0 0 rg BT 473.43 153.70 Td (between ) Tj ET Q q 0 0 0 rg BT 509.81 153.70 Td (contractually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 141.70 Td (required ) Tj ET Q q 0 0 0 rg BT 86.13 141.70 Td (payments ) Tj ET Q q 0 0 0 rg BT 127.28 141.70 Td (and ) Tj ET Q q 0 0 0 rg BT 144.53 141.70 Td (the ) Tj ET Q q 0 0 0 rg BT 159.57 141.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 180.15 141.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 205.19 141.70 Td (expected ) Tj ET Q q 0 0 0 rg BT 243.54 141.70 Td (to ) Tj ET Q q 0 0 0 rg BT 254.14 141.70 Td (be ) Tj ET Q q 0 0 0 rg BT 266.39 141.70 Td (collected ) Tj ET Q q 0 0 0 rg BT 305.30 141.70 Td (at ) Tj ET Q q 0 0 0 rg BT 315.33 141.70 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 362.03 141.70 Td (is ) Tj ET Q q 0 0 0 rg BT 371.52 141.70 Td (referred ) Tj ET Q q 0 0 0 rg BT 405.97 141.70 Td (to ) Tj ET Q q 0 0 0 rg BT 416.57 141.70 Td (as ) Tj ET Q q 0 0 0 rg BT 427.71 141.70 Td (the ) Tj ET Q q 0 0 0 rg BT 442.75 141.70 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 504.41 141.70 Td (dif) Tj ET Q q 0 0 0 rg BT 515.34 141.70 Td (ference ) Tj ET Q q 0 0 0 rg BT 547.57 141.70 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 129.70 Td (represents ) Tj ET Q q 0 0 0 rg BT 93.04 129.70 Td (probable ) Tj ET Q q 0 0 0 rg BT 130.52 129.70 Td (losses ) Tj ET Q q 0 0 0 rg BT 156.91 129.70 Td (in ) Tj ET Q q 0 0 0 rg BT 167.19 129.70 Td (the ) Tj ET Q q 0 0 0 rg BT 181.91 129.70 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.70 Td (In ) Tj ET Q q 0 0 0 rg BT 60.22 108.70 Td (determining ) Tj ET Q q 0 0 0 rg BT 110.43 108.70 Td (the ) Tj ET Q q 0 0 0 rg BT 124.54 108.70 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 170.32 108.70 Td (date ) Tj ET Q q 0 0 0 rg BT 188.86 108.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 204.63 108.70 Td (value ) Tj ET Q q 0 0 0 rg BT 228.18 108.70 Td (of ) Tj ET Q q 0 0 0 rg BT 238.40 108.70 Td (purchased ) Tj ET Q q 0 0 0 rg BT 280.83 108.70 Td (impaired ) Tj ET Q q 0 0 0 rg BT 318.27 108.70 Td (loans, ) Tj ET Q q 0 0 0 rg BT 343.77 108.70 Td (and ) Tj ET Q q 0 0 0 rg BT 360.10 108.70 Td (in ) Tj ET Q q 0 0 0 rg BT 369.77 108.70 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 416.10 108.70 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 464.36 108.70 Td (the ) Tj ET Q q 0 0 0 rg BT 478.47 108.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 519.25 108.70 Td (aggregates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.70 Td (these ) Tj ET Q q 0 0 0 rg BT 73.07 96.70 Td (purchased ) Tj ET Q q 0 0 0 rg BT 116.13 96.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 139.76 96.70 Td (into ) Tj ET Q q 0 0 0 rg BT 157.84 96.70 Td (pools ) Tj ET Q q 0 0 0 rg BT 182.04 96.70 Td (of ) Tj ET Q q 0 0 0 rg BT 192.89 96.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 216.52 96.70 Td (by ) Tj ET Q q 0 0 0 rg BT 229.04 96.70 Td (common ) Tj ET Q q 0 0 0 rg BT 266.56 96.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 284.09 96.70 Td (characteristics, ) Tj ET Q q 0 0 0 rg BT 346.30 96.70 Td (such ) Tj ET Q q 0 0 0 rg BT 367.15 96.70 Td (as ) Tj ET Q q 0 0 0 rg BT 378.00 96.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 403.29 96.70 Td (risk ) Tj ET Q q 0 0 0 rg BT 420.82 96.70 Td (rating ) Tj ET Q q 0 0 0 rg BT 446.66 96.70 Td (and ) Tj ET Q q 0 0 0 rg BT 463.63 96.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 483.37 96.70 Td (type. ) Tj ET Q q 0 0 0 rg BT 505.61 96.70 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 554.24 96.70 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.70 Td (the ) Tj ET Q q 0 0 0 rg BT 64.09 84.70 Td (purchase ) Tj ET Q q 0 0 0 rg BT 101.51 84.70 Td (date, ) Tj ET Q q 0 0 0 rg BT 122.54 84.70 Td (increases ) Tj ET Q q 0 0 0 rg BT 161.06 84.70 Td (in ) Tj ET Q q 0 0 0 rg BT 170.72 84.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 190.36 84.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 214.46 84.70 Td (over ) Tj ET Q q 0 0 0 rg BT 234.10 84.70 Td (those ) Tj ET Q q 0 0 0 rg BT 257.09 84.70 Td (expected ) Tj ET Q q 0 0 0 rg BT 294.50 84.70 Td (at ) Tj ET Q q 0 0 0 rg BT 303.59 84.70 Td (the ) Tj ET Q q 0 0 0 rg BT 317.68 84.70 Td (purchase ) Tj ET Q q 0 0 0 rg BT 355.10 84.70 Td (date ) Tj ET Q q 0 0 0 rg BT 373.63 84.70 Td (are ) Tj ET Q q 0 0 0 rg BT 387.71 84.70 Td (recognized ) Tj ET Q q 0 0 0 rg BT 433.45 84.70 Td (as ) Tj ET Q q 0 0 0 rg BT 443.66 84.70 Td (interest ) Tj ET Q q 0 0 0 rg BT 474.97 84.70 Td (income ) Tj ET Q q 0 0 0 rg BT 506.28 84.70 Td (prospectively) Tj ET Q q 0 0 0 rg BT 559.50 84.70 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.70 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 98.61 72.70 Td (decreases ) Tj ET Q q 0 0 0 rg BT 139.41 72.70 Td (to ) Tj ET Q q 0 0 0 rg BT 149.69 72.70 Td (the ) Tj ET Q q 0 0 0 rg BT 164.41 72.70 Td (expected ) Tj ET Q q 0 0 0 rg BT 202.44 72.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 222.71 72.70 Td (flows ) Tj ET Q q 0 0 0 rg BT 247.43 72.70 Td (will ) Tj ET Q q 0 0 0 rg BT 265.49 72.70 Td (result ) Tj ET Q q 0 0 0 rg BT 290.21 72.70 Td (in ) Tj ET Q q 0 0 0 rg BT 300.48 72.70 Td (a ) Tj ET Q q 0 0 0 rg BT 307.42 72.70 Td (provision ) Tj ET Q q 0 0 0 rg BT 347.70 72.70 Td (for ) Tj ET Q q 0 0 0 rg BT 361.86 72.70 Td (loan ) Tj ET Q q 0 0 0 rg BT 381.58 72.70 Td (losses.) Tj ET Q endstream endobj 263 0 obj <> endobj 264 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (131) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.01 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.35 742.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 149.35 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.25 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 191.70 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.49 742.10 Td (life ) Tj ET Q q 0 0 0 rg BT 216.27 742.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 256.05 742.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 293.61 742.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 324.49 742.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 370.92 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.16 742.10 Td (2009. ) Tj ET Q q 0 0 0 rg BT 404.01 742.10 Td (These ) Tj ET Q q 0 0 0 rg BT 429.35 742.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 471.34 742.10 Td (life ) Tj ET Q q 0 0 0 rg BT 486.13 742.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 525.90 742.10 Td (premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 81.87 730.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 129.29 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 143.95 730.10 Td (valued ) Tj ET Q q 0 0 0 rg BT 173.06 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 185.51 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 197.40 730.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 240.40 730.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 262.85 730.10 Td (with ) Tj ET Q q 0 0 0 rg BT 283.08 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.74 730.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 340.71 730.10 Td (component ) Tj ET Q q 0 0 0 rg BT 387.60 730.10 Td (being ) Tj ET Q q 0 0 0 rg BT 412.26 730.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 458.58 730.10 Td (into ) Tj ET Q q 0 0 0 rg BT 476.58 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 508.47 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 540.35 730.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.30 718.10 Td (ef) Tj ET Q q 0 0 0 rg BT 71.88 718.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 101.17 718.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 123.24 718.10 Td (method ) Tj ET Q q 0 0 0 rg BT 155.31 718.10 Td (over ) Tj ET Q q 0 0 0 rg BT 175.16 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.46 718.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 229.86 718.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 272.48 718.10 Td (life ) Tj ET Q q 0 0 0 rg BT 287.88 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.29 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.59 718.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 338.12 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 355.75 718.10 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 416.68 718.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 447.64 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 456.39 718.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 496.78 718.10 Td (each ) Tj ET Q q 0 0 0 rg BT 517.18 718.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 547.57 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 57.84 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 71.79 706.10 Td (loans) Tj ET Q q 0 0 0 rg BT 95.49 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.23 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 121.72 706.10 Td (related ) Tj ET Q q 0 0 0 rg BT 150.66 706.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 194.06 706.10 Td (improve, ) Tj ET Q q 0 0 0 rg BT 231.62 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 237.79 706.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 268.42 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 276.82 706.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 321.86 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 331.38 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.33 706.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 387.58 706.10 Td (component ) Tj ET Q q 0 0 0 rg BT 433.75 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 449.92 706.10 Td (accreted ) Tj ET Q q 0 0 0 rg BT 484.96 706.10 Td (over ) Tj ET Q q 0 0 0 rg BT 504.46 706.10 Td (future ) Tj ET Q q 0 0 0 rg BT 530.07 706.10 Td (periods. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.71 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.30 694.10 Td (event ) Tj ET Q q 0 0 0 rg BT 102.34 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.16 694.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 144.63 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 165.22 694.10 Td (prepays ) Tj ET Q q 0 0 0 rg BT 199.70 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 210.86 694.10 Td (whole, ) Tj ET Q q 0 0 0 rg BT 241.18 694.10 Td (any ) Tj ET Q q 0 0 0 rg BT 258.99 694.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 302.92 694.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 346.81 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.63 694.10 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 426.86 694.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 464.12 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 474.17 694.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 521.41 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 532.57 694.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (immediately) Tj ET Q q 0 0 0 rg BT 99.34 682.10 Td (. ) Tj ET Q q 0 0 0 rg BT 103.86 682.10 Td (If ) Tj ET Q q 0 0 0 rg BT 112.54 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 137.32 682.10 Td (related ) Tj ET Q q 0 0 0 rg BT 166.54 682.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 210.23 682.10 Td (deteriorate, ) Tj ET Q q 0 0 0 rg BT 257.50 682.10 Td (an ) Tj ET Q q 0 0 0 rg BT 268.96 682.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 311.51 682.10 Td (related ) Tj ET Q q 0 0 0 rg BT 340.73 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.53 682.10 Td (these ) Tj ET Q q 0 0 0 rg BT 373.10 682.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 396.23 682.10 Td (will ) Tj ET Q q 0 0 0 rg BT 413.81 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 425.26 682.10 Td (established ) Tj ET Q q 0 0 0 rg BT 471.72 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 482.07 682.10 Td (part ) Tj ET Q q 0 0 0 rg BT 499.64 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.99 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.22 682.10 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 670.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 89.42 670.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (See ) Tj ET Q q 0 0 0 rg BT 66.94 649.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 88.88 649.10 Td (4 ) Tj ET Q q 0 0 0 rg BT 96.38 649.10 Td ( ) Tj ET Q q 0 0 0 rg BT 108.88 649.10 Td (Loans, ) Tj ET Q q 0 0 0 rg BT 138.32 649.10 Td (for ) Tj ET Q q 0 0 0 rg BT 152.48 649.10 Td (more ) Tj ET Q q 0 0 0 rg BT 175.52 649.10 Td (information ) Tj ET Q q 0 0 0 rg BT 225.23 649.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.73 649.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 261.34 649.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 298.27 649.10 Td (with ) Tj ET Q q 0 0 0 rg BT 318.54 649.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 356.58 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.41 649.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 392.67 649.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 422.94 649.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 476.53 649.10 Td (since ) Tj ET Q q 0 0 0 rg BT 499.58 649.10 Td (origination.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (\(8\) Goodwill and Other) Tj ET Q q 0 0 0 rg BT 149.55 625.10 Td ( Intangible ) Tj ET Q q 0 0 0 rg BT 197.90 625.10 Td (Assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 608.10 Td ( summary of the Company) Tj ET Q q 0 0 0 rg BT 166.10 608.10 Td (s goodwill assets by business segment is presented in the following table:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 576.60 141.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 576.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 576.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 576.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 576.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 576.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 576.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 576.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 576.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 576.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 576.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 548.60 141.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 548.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 195.50 548.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 548.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 548.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 548.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 548.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 548.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 548.60 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 548.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 548.60 69.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 597.6 m 191.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 576.6 m 191.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 597.6 m 195.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 576.6 m 195.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 597.6 m 264.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 576.6 m 264.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 597.6 m 268.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 576.6 m 268.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 597.6 m 337.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 576.6 m 337.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 597.6 m 341.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 576.6 m 341.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 597.6 m 410.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 576.6 m 410.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 597.6 m 414.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 576.6 m 414.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 597.6 m 483.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 576.6 m 483.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 597.6 m 487.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 576.6 m 487.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 597.6 m 556.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 576.6 m 556.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 534.6 m 264.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 534.6 m 268.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 534.6 m 337.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 534.6 m 341.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 534.6 m 410.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 534.6 m 414.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 534.6 m 483.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 534.6 m 487.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 534.6 m 556.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 520.6 m 191.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 520.6 m 195.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 195.5 520.6 m 264.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 520.6 m 268.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 520.6 m 337.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 520.6 m 341.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 520.6 m 410.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 520.6 m 414.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 520.6 m 483.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 520.6 m 487.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 520.6 m 556.5 520.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 580.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 211.25 588.83 Td (January1,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 221.50 580.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.90 588.83 Td (Goodwill) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.55 580.83 Td (Acquir) Tj ET Q q 0 0 0 rg BT 310.41 580.83 Td (ed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.80 588.83 Td (Impairment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.70 580.83 Td (Loss) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.90 588.83 Td (Goodwill) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 426.70 580.83 Td (Adjustments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 498.25 588.83 Td (December) Tj ET Q q 0 0 0 rg BT 532.75 588.83 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 513.50 580.83 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 567.17 Td (Community banking) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 567.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.15 567.17 Td (331,752) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 567.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 567.17 Td (69,860) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 567.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 567.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.00 567.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 567.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.00 567.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.15 567.28 Td (401,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 553.17 Td (Specialty finance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.15 553.17 Td (41,768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 553.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 553.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.80 553.22 Td (\(3,733) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 553.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.15 553.28 Td (38,035) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 539.17 Td (Wealth management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.15 539.17 Td (32,114) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 539.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 539.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 539.17 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 525.15 539.28 Td (32,114) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 525.17 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 525.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.15 525.17 Td (405,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 525.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.15 525.17 Td (69,860) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 525.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.65 525.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.00 525.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.80 525.22 Td (\(3,733) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 525.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 490.00 525.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 520.15 525.28 Td (471,761) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.71 500.10 Td (community ) Tj ET Q q 0 0 0 rg BT 115.42 500.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 149.80 500.10 Td (segment's ) Tj ET Q q 0 0 0 rg BT 190.98 500.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 228.70 500.10 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.62 500.10 Td ($69.9 ) Tj ET Q q 0 0 0 rg BT 293.28 500.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.17 500.10 Td ( ) Tj ET Q q 0 0 0 rg BT 324.33 500.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.27 500.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 356.44 500.10 Td (as ) Tj ET Q q 0 0 0 rg BT 366.93 500.10 Td (a ) Tj ET Q q 0 0 0 rg BT 373.53 500.10 Td (result ) Tj ET Q q 0 0 0 rg BT 397.91 500.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.40 500.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.78 500.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 472.71 500.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.21 500.10 Td (Delavan, ) Tj ET Q q 0 0 0 rg BT 521.18 500.10 Td (Suburban, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.10 Td (North ) Tj ET Q q 0 0 0 rg BT 76.02 488.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 99.82 488.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.96 488.10 Td (CFIS. ) Tj ET Q q 0 0 0 rg BT 143.27 488.10 Td ( ) Tj ET Q q 0 0 0 rg BT 145.77 488.10 Td (The ) Tj ET Q q 0 0 0 rg BT 164.01 488.10 Td (specialty ) Tj ET Q q 0 0 0 rg BT 202.24 488.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 234.36 488.10 Td (segment's ) Tj ET Q q 0 0 0 rg BT 276.07 488.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 314.32 488.10 Td (decreased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.43 488.10 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 376.62 488.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.51 488.10 Td ( ) Tj ET Q q 0 0 0 rg BT 408.21 488.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.68 488.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 441.37 488.10 Td (as ) Tj ET Q q 0 0 0 rg BT 452.39 488.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.52 488.10 Td (result ) Tj ET Q q 0 0 0 rg BT 484.43 488.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.46 488.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 527.03 488.10 Td (currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.10 Td (translation ) Tj ET Q q 0 0 0 rg BT 94.71 476.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 144.99 476.10 Td (related ) Tj ET Q q 0 0 0 rg BT 174.69 476.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.97 476.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.68 476.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 239.95 476.10 Td (acquisitions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 455.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 455.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.47 455.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 99.49 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.62 455.10 Td (finite-lived ) Tj ET Q q 0 0 0 rg BT 157.85 455.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 200.64 455.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 226.78 455.10 Td (as ) Tj ET Q q 0 0 0 rg BT 237.91 455.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.04 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.06 455.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 287.41 455.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 316.32 455.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.56 455.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.58 455.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 386.92 455.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 440.25 455.10 Td (as ) Tj ET Q q 0 0 0 rg BT 451.39 455.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.52 455.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 521.40 455.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.40 455.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.21 455.10 Td (is ) Tj ET Q q 0 0 0 rg BT 553.68 455.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 443.10 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 408.60 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 408.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 408.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 408.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 408.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 381.60 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 381.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 381.60 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 381.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 381.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 355.60 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 355.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 355.60 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 355.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 355.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 328.60 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 328.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 328.60 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 328.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 328.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 302.60 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 302.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 302.60 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 302.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 302.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 276.60 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 276.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 276.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 276.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 276.60 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 249.60 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 249.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 249.60 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 249.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 249.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 223.60 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 223.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 223.60 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 223.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 223.60 79.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 432.6 m 397.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 432.6 m 401.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 432.6 m 479.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 420.6 m 479.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 432.6 m 483.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 420.6 m 483.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 432.6 m 562.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 420.6 m 562.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 408.6 m 397.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 408.6 m 401.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 420.6 m 479.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 408.6 m 479.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 408.6 m 483.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 420.6 m 562.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 408.6 m 562.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 355.6 m 479.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 355.6 m 483.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 355.6 m 562.5 355.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 342.6 m 479.5 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 342.6 m 483.5 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 342.6 m 562.5 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 289.6 m 479.5 289.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 289.6 m 483.5 289.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 289.6 m 562.5 289.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 276.6 m 479.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 276.6 m 483.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 276.6 m 562.5 276.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 223.60000000000002 m 479.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 223.60000000000002 m 483.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 223.60000000000002 m 562.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 210.60000000000002 m 479.5 210.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 210.60000000000002 m 483.5 210.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 210.60000000000002 m 562.5 210.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 196.60000000000002 m 397.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 196.60000000000002 m 401.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 196.60000000000002 m 479.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 196.60000000000002 m 483.5 196.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 196.60000000000002 m 562.5 196.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 424.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.25 424.68 Td (December 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 412.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.00 412.68 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.50 412.55 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 399.33 Td (Community banking segment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 385.17 Td (Core deposit intangibles:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 372.17 Td (Gross carrying amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 372.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 372.33 Td (34,841) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 372.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 372.17 Td (29,379) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 359.17 Td (Accumulated amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.80 359.38 Td (\(17,382) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 359.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 359.22 Td (\(17,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 359.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 346.17 Td (Net carrying amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 346.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 346.33 Td (17,459) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 346.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 346.17 Td (11,500) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 333.33 Td (Specialty finance segment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 319.17 Td (Customer list intangibles:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 306.17 Td (Gross carrying amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 306.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 306.33 Td (1,800) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 306.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 306.17 Td (1,800) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 293.17 Td (Accumulated amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.80 293.38 Td (\(1,052) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 293.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 293.22 Td (\(941) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 293.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 280.17 Td (Net carrying amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 280.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.65 280.33 Td (748) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 280.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 280.17 Td (859) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 267.33 Td (Wealth management segment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 253.17 Td (Customer list and other intangibles:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 240.17 Td (Gross carrying amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 240.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 240.33 Td (7,940) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 240.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 240.17 Td (7,940) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 227.17 Td (Accumulated amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.80 227.38 Td (\(1,938) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 227.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 227.22 Td (\(1,488) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 227.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 214.17 Td (Net carrying amount) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 214.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 214.33 Td (6,002) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 214.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 214.17 Td (6,452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 201.17 Td (Total other intangible assets, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 201.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 201.28 Td (24,209) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 201.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 201.17 Td (18,811) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 159.60 425.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 159.60 87.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 133.60 425.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 133.60 87.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 172.60000000000002 m 475.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 172.60000000000002 m 562.5 172.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 107.60000000000002 m 475.5 107.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 107.60000000000002 m 562.5 107.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 176.85 Td (Estimated amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.00 177.17 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.50 177.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 163.17 Td (Estimated2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.00 163.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 163.33 Td (4,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 150.17 Td (Estimated2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 150.33 Td (3,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 137.17 Td (Estimated2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 137.33 Td (3,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 124.17 Td (Estimated2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 124.33 Td (2,855) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 111.17 Td (Estimated2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 111.33 Td (2,318) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 87.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.57 87.10 Td (core ) Tj ET Q q 0 0 0 rg BT 88.80 87.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 120.71 87.10 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 167.61 87.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 214.50 87.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.30 87.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 272.19 87.10 Td (with ) Tj ET Q q 0 0 0 rg BT 292.99 87.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 315.45 87.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 337.92 87.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 388.71 87.10 Td (are ) Tj ET Q q 0 0 0 rg BT 403.94 87.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 446.94 87.10 Td (over ) Tj ET Q q 0 0 0 rg BT 467.73 87.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.20 87.10 Td (ten) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.41 87.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 510.97 87.10 Td (period ) Tj ET Q q 0 0 0 rg BT 539.54 87.10 Td (on ) Tj ET Q q 0 0 0 rg BT 552.56 87.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 75.10 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 98.08 75.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 123.47 75.10 Td (The ) Tj ET Q q 0 0 0 rg BT 142.14 75.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 181.91 75.10 Td (list ) Tj ET Q q 0 0 0 rg BT 197.26 75.10 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 244.26 75.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 291.24 75.10 Td (in ) Tj ET Q q 0 0 0 rg BT 302.14 75.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 349.13 75.10 Td (with ) Tj ET Q q 0 0 0 rg BT 370.03 75.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.37 75.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 424.03 75.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.48 75.10 Td (life ) Tj ET Q q 0 0 0 rg BT 451.92 75.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 493.36 75.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 532.58 75.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 63.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.83 63.10 Td (in ) Tj ET Q q 0 0 0 rg BT 86.11 63.10 Td (2009 ) Tj ET Q q 0 0 0 rg BT 108.61 63.10 Td (are ) Tj ET Q q 0 0 0 rg BT 123.32 63.10 Td (being ) Tj ET Q q 0 0 0 rg BT 148.03 63.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 190.51 63.10 Td (over ) Tj ET Q q 0 0 0 rg BT 210.78 63.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.72 63.10 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.72 63.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 255.76 63.10 Td (period ) Tj ET Q q 0 0 0 rg BT 283.80 63.10 Td (on ) Tj ET Q q 0 0 0 rg BT 296.30 63.10 Td (an ) Tj ET Q q 0 0 0 rg BT 308.24 63.10 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 355.70 63.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 378.20 63.10 Td (while ) Tj ET Q q 0 0 0 rg BT 402.92 63.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.63 63.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 456.79 63.10 Td (list ) Tj ET Q q 0 0 0 rg BT 471.51 63.10 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 517.90 63.10 Td (recognized) Tj ET Q endstream endobj 265 0 obj <> endobj 266 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (132) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (in connection with prior acquisitions within the wealth management segment are being amortized over a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.59 742.10 Td (ten) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.81 742.10 Td (-year period on a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (straight-line basis. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 706.10 Td (otal amortization expense associated with finite-lived intangibles in 2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.11 706.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.11 706.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.55 706.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.55 706.10 Td ( was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.10 706.10 Td ($4.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.99 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.99 706.10 Td ($4.7 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.88 706.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td ($4.6 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 694.10 Td (, respectively) Tj ET Q q 0 0 0 rg BT 151.55 694.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 675.10 Td (\(9\) Pr) Tj ET Q q 0 0 0 rg BT 74.53 675.10 Td (emises and Equipment, Net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 658.10 Td ( summary of premises and equipment at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.13 658.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.71 658.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.15 658.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 658.10 Td ( is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 623.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 623.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 623.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 623.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 623.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 597.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 597.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 597.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 597.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 597.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 571.60 345.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 571.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 571.60 79.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 571.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 571.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 546.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 546.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 546.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 546.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 546.60 80.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 647.6 m 395.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 647.6 m 399.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 647.6 m 478.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 635.6 m 478.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 647.6 m 482.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 635.6 m 482.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 647.6 m 562.5 647.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 635.6 m 562.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 623.6 m 395.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 623.6 m 399.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 623.6 m 478.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 623.6 m 482.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 623.6 m 562.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 623.6 m 562.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 571.6 m 478.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 571.6 m 482.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 571.6 m 562.5 571.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 546.6 m 478.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 546.6 m 482.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 546.6 m 562.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 533.6 m 395.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 533.6 m 399.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 533.6 m 478.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 533.6 m 482.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 533.6 m 562.5 533.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 639.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 457.25 639.68 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 627.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 429.50 627.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.00 626.86 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 614.17 Td (Land) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 614.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 614.33 Td (134,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 614.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 614.17 Td (128,766) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 601.17 Td (Buildings and leasehold improvements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 601.33 Td (506,977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 601.17 Td (470,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 588.17 Td (Furniture, equipment, and computer software) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 588.33 Td (173,330) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 588.17 Td (160,659) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 575.17 Td (Construction in progress) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 575.33 Td (12,610) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 575.17 Td (5,737) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 562.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 562.33 Td (826,947) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 562.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 562.22 Td (765,798) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 550.17 Td (Less: Accumulated depreciation and amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 550.33 Td (234,691) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 550.17 Td (210,570) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 537.17 Td (Total premises and equipment, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 537.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 537.33 Td (592,256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 537.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 537.17 Td (555,228) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 513.10 Td (Depreciation ) Tj ET Q q 0 0 0 rg BT 104.46 513.10 Td (and ) Tj ET Q q 0 0 0 rg BT 121.72 513.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 175.08 513.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 210.11 513.10 Td (related ) Tj ET Q q 0 0 0 rg BT 240.13 513.10 Td (to ) Tj ET Q q 0 0 0 rg BT 250.73 513.10 Td (premises ) Tj ET Q q 0 0 0 rg BT 289.10 513.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.36 513.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 351.39 513.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.43 513.10 Td ($31.1 ) Tj ET Q q 0 0 0 rg BT 406.75 513.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.64 513.10 Td ( ) Tj ET Q q 0 0 0 rg BT 438.46 513.10 Td (in ) Tj ET Q q 0 0 0 rg BT 449.06 513.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.38 513.10 Td ($28.1 ) Tj ET Q q 0 0 0 rg BT 499.70 513.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.59 513.10 Td ( ) Tj ET Q q 0 0 0 rg BT 531.42 513.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.01 513.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 501.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.94 501.10 Td ($26.0 ) Tj ET Q q 0 0 0 rg BT 91.94 501.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.83 501.10 Td ( ) Tj ET Q q 0 0 0 rg BT 123.33 501.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.61 501.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.61 501.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 468.10 Td (\(10\) Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 447.10 Td (The following is a summary of deposits at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.08 447.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.67 447.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.11 447.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.11 447.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 424.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 424.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 424.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 424.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 424.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 396.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 396.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 396.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 396.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 396.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 368.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 368.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 368.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 368.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 368.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 340.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 340.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 340.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 340.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 340.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 312.60 340.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 312.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 312.60 82.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 312.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 312.60 82.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 283.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 283.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 283.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 283.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 283.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 255.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 255.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 255.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 255.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 255.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 227.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 227.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 227.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 227.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 227.60 82.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 436.6 m 390.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 424.6 m 390.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 436.6 m 394.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 424.6 m 394.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 436.6 m 476.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 424.6 m 476.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 436.6 m 480.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 424.6 m 480.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 436.6 m 562.5 436.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 424.6 m 562.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 326.6 m 476.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 326.6 m 480.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 326.6 m 562.5 326.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 312.6 m 476.5 312.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 312.6 m 480.5 312.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 312.6 m 562.5 312.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 213.60000000000002 m 476.5 213.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 213.60000000000002 m 480.5 213.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 213.60000000000002 m 562.5 213.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 199.60000000000002 m 390.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 199.60000000000002 m 394.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 199.60000000000002 m 476.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 199.60000000000002 m 480.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 199.60000000000002 m 562.5 199.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 428.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 426.00 428.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.00 427.86 Td (2014) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 413.76259765625 m 90.216796875 413.76259765625 l s q 0 0 0 rg BT 53.00 415.33 Td (Balance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 401.17 Td (Non-interest bearing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.00 401.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 401.28 Td (4,836,420) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 401.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 401.17 Td (3,518,685) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 387.17 Td (NOW and interest bearing demand deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 387.28 Td (2,390,217) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 387.17 Td (2,236,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 373.17 Td (Wealth management deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 373.28 Td (1,643,653) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 373.17 Td (1,226,916) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 359.17 Td (Money market) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 359.28 Td (4,041,300) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 359.17 Td (3,651,467) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 345.17 Td (Savings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 345.28 Td (1,723,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 345.17 Td (1,508,877) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 331.17 Td (Time certificates of deposit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 426.00 331.28 Td (4,004,677) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 331.17 Td (4,139,810) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 317.17 Td (Total deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.00 317.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 421.00 317.28 Td (18,639,634) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 317.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.65 317.17 Td (16,281,844) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 301.76259765625 m 73.546875 301.76259765625 l s q 0 0 0 rg BT 53.00 303.33 Td (Mix:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 288.17 Td (Non-interest bearing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 288.28 Td (26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 288.28 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 288.17 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 288.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 274.17 Td (NOW and interest bearing demand deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 274.28 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 274.17 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 260.17 Td (Wealth management deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 260.28 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 260.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 246.17 Td (Money market) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 246.28 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 246.17 Td (22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 232.17 Td (Savings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.00 232.28 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 232.17 Td (9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 218.17 Td (Time certificates of deposit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.00 218.28 Td (21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 218.17 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 204.17 Td (Total deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.00 204.28 Td (100) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.00 204.28 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.65 204.17 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 204.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 179.10 Td (ealth ) Tj ET Q q 0 0 0 rg BT 80.70 179.10 Td (management ) Tj ET Q q 0 0 0 rg BT 134.42 179.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 169.83 179.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 209.11 179.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 240.63 179.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 277.69 179.10 Td (\(primarily ) Tj ET Q q 0 0 0 rg BT 320.86 179.10 Td (money ) Tj ET Q q 0 0 0 rg BT 350.71 179.10 Td (market ) Tj ET Q q 0 0 0 rg BT 381.10 179.10 Td (accounts\) ) Tj ET Q q 0 0 0 rg BT 422.05 179.10 Td (at ) Tj ET Q q 0 0 0 rg BT 431.90 179.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.75 179.10 Td (Company) Tj ET Q q 0 0 0 rg BT 488.41 179.10 Td (s ) Tj ET Q q 0 0 0 rg BT 494.94 179.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 538.68 179.10 Td (banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.10 Td (from ) Tj ET Q q 0 0 0 rg BT 72.57 167.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 115.67 167.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 159.35 167.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.58 167.10 Td (WHI, ) Tj ET Q q 0 0 0 rg BT 196.20 167.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 217.11 167.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.68 167.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 257.25 167.10 Td (management ) Tj ET Q q 0 0 0 rg BT 311.47 167.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 355.15 167.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.60 167.10 Td (CTC ) Tj ET Q q 0 0 0 rg BT 389.18 167.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.75 167.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 449.86 167.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 493.53 167.10 Td (from ) Tj ET Q q 0 0 0 rg BT 516.10 167.10 Td (unaf) Tj ET Q q 0 0 0 rg BT 533.69 167.10 Td (filiated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.10 Td (companies.) Tj ET Q endstream endobj 267 0 obj <> endobj 268 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (133) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The scheduled maturities of time certificates of deposit at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.42 742.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.00 742.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.44 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.44 742.10 Td ( are as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 719.60 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 719.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 719.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 719.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 719.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 691.60 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 691.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 691.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 691.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 691.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 663.60 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 663.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 663.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 663.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 663.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 635.60 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 635.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 635.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 635.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 635.60 81.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 731.6 m 392.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 719.6 m 392.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 731.6 m 396.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 719.6 m 396.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 731.6 m 477.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 719.6 m 477.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 731.6 m 481.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 719.6 m 481.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 731.6 m 562.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 719.6 m 562.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 719.6 m 562.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 635.6 m 477.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 635.6 m 481.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 635.6 m 562.5 635.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 621.6 m 392.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 621.6 m 396.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 621.6 m 477.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 621.6 m 481.5 621.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 621.6 m 562.5 621.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 723.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 723.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 722.86 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 710.17 Td (Due within one year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 710.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.65 710.28 Td (2,851,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 710.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 710.17 Td (2,722,029) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 696.17 Td (Due in one to two years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 696.28 Td (846,107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 696.17 Td (1,009,936) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 682.17 Td (Due in two to three years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 682.28 Td (148,199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 682.17 Td (247,418) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 668.17 Td (Due in three to four years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 668.28 Td (85,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 668.17 Td (86,884) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 654.17 Td (Due in four to five years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 654.28 Td (73,440) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 654.17 Td (69,360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 640.17 Td (Due after five years) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 458.65 640.28 Td (609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 640.17 Td (4,183) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 626.17 Td (Total time certificate of deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 626.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.65 626.28 Td (4,004,677) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 626.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 626.17 Td (4,139,810) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.21 598.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.76 598.10 Td (table ) Tj ET Q q 0 0 0 rg BT 131.86 598.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 149.53 598.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 171.63 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.51 598.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 229.16 598.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 271.82 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.81 598.10 Td (time ) Tj ET Q q 0 0 0 rg BT 303.25 598.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 338.70 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 349.14 598.10 Td (denominations ) Tj ET Q q 0 0 0 rg BT 410.69 598.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.68 598.10 Td ($100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.18 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 461.85 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 472.84 598.10 Td (more ) Tj ET Q q 0 0 0 rg BT 496.05 598.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 598.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 586.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.44 586.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.44 586.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 563.60 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 563.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 563.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 563.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 563.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 535.60 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 535.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 535.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 535.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 535.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 507.60 342.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 507.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 507.60 81.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 507.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 507.60 81.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 575.6 m 392.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 563.6 m 392.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 575.6 m 396.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 563.6 m 396.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 575.6 m 477.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 563.6 m 477.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 575.6 m 481.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 563.6 m 481.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 575.6 m 562.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 563.6 m 562.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 563.6 m 562.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 507.6 m 477.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 507.6 m 481.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 507.6 m 562.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 493.6 m 392.5 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 493.6 m 396.5 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 493.6 m 477.5 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 477.5 493.6 m 481.5 493.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 493.6 m 562.5 493.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 567.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 427.50 567.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.50 566.86 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 554.17 Td (Maturing within three months) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 554.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 554.28 Td (535,459) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 554.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 554.17 Td (612,936) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 540.17 Td (After three but within six months) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 540.28 Td (434,591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 540.17 Td (466,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 526.17 Td (After six but within 12 months) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 526.28 Td (900,156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 526.17 Td (711,361) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 512.17 Td (After 12 months) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 512.28 Td (709,376) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 512.17 Td (925,921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 498.17 Td (Total) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 498.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.65 498.28 Td (2,579,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 498.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 498.17 Td (2,716,421) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 470.10 Td (ime ) Tj ET Q q 0 0 0 rg BT 72.10 470.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 106.23 470.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.35 470.10 Td (denominations ) Tj ET Q q 0 0 0 rg BT 175.58 470.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.26 470.10 Td ($250,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.76 470.10 Td ( ) Tj ET Q q 0 0 0 rg BT 224.11 470.10 Td (or ) Tj ET Q q 0 0 0 rg BT 233.78 470.10 Td (more ) Tj ET Q q 0 0 0 rg BT 255.68 470.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.46 470.10 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 295.30 470.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.42 470.10 Td ( ) Tj ET Q q 0 0 0 rg BT 322.76 470.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.55 470.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 357.40 470.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.51 470.10 Td ( ) Tj ET Q q 0 0 0 rg BT 384.86 470.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.42 470.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 450.85 470.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.85 470.10 Td ( ) Tj ET Q q 0 0 0 rg BT 472.20 470.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.99 470.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.99 470.10 Td (, ) Tj ET Q q 0 0 0 rg BT 511.84 470.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 470.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 449.10 Td (\(1) Tj ET Q q 0 0 0 rg BT 57.78 449.10 Td (1\) Federal Home Loan Bank ) Tj ET Q q 0 0 0 rg BT 181.39 449.10 Td (Advances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 431.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 431.10 Td ( summary of the outstanding FHLB advances at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.52 431.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.11 431.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.54 431.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.54 431.10 Td (, is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 408.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 408.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 408.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 408.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 408.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 382.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 382.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 382.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 382.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 382.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 356.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 356.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 356.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 356.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 356.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 330.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 330.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 330.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 330.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 330.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 304.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 304.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 304.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 304.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 304.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 278.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 278.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 278.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 278.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 278.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 252.60 345.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 252.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 252.60 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 252.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 252.60 80.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 420.6 m 395.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 408.6 m 395.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 420.6 m 399.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 408.6 m 399.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 420.6 m 478.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 408.6 m 478.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 420.6 m 482.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 408.6 m 482.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 420.6 m 562.5 420.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 408.6 m 562.5 408.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 239.60000000000002 m 478.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 239.60000000000002 m 482.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 239.60000000000002 m 562.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 226.60000000000002 m 395.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 226.60000000000002 m 399.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 226.60000000000002 m 478.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 226.60000000000002 m 482.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 226.60000000000002 m 562.5 226.60000000000002 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 412.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.50 412.68 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 412.55 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 399.17 Td (0.13% advance due January 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 399.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.65 399.33 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 399.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 399.17 Td (405,550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 386.17 Td (0.72% advance due February 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.65 386.33 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 386.17 Td (141,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 373.17 Td (0.73% advance due February 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.65 373.33 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 373.17 Td (5,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 360.17 Td (0.16% advance due January 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 360.33 Td (331,100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 360.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 347.17 Td (0.19% advance due January 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 347.33 Td (68,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 347.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 334.17 Td (0.99% advance due February 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 334.33 Td (26,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 334.17 Td (26,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 321.17 Td (1.25% advance due February 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 321.33 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 321.17 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 308.17 Td (3.47% advance due November2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 308.33 Td (10,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 308.17 Td (10,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 295.17 Td (0.89% advance due December 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 295.33 Td (90,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 295.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 282.17 Td (1.49% advance due February 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 282.33 Td (95,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 282.17 Td (95,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 269.17 Td (1.31% advance due August 2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 269.33 Td (94,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 269.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 256.17 Td (1.89% advance due August 2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 256.33 Td (94,679) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 256.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 243.17 Td (4.18% advance due February2022) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 243.33 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 243.17 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 230.17 Td (Total Federal Home Loan Bank advances) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.00 230.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 230.33 Td (859,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 230.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 230.17 Td (733,050) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.50 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.42 205.50 Td (Home ) Tj ET Q q 0 0 0 rg BT 109.30 205.50 Td (Loan ) Tj ET Q q 0 0 0 rg BT 132.28 205.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 155.83 205.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 194.91 205.50 Td (consist ) Tj ET Q q 0 0 0 rg BT 225.12 205.50 Td (of ) Tj ET Q q 0 0 0 rg BT 235.89 205.50 Td (obligations ) Tj ET Q q 0 0 0 rg BT 282.77 205.50 Td (of ) Tj ET Q q 0 0 0 rg BT 293.54 205.50 Td (the ) Tj ET Q q 0 0 0 rg BT 308.19 205.50 Td (banks ) Tj ET Q q 0 0 0 rg BT 333.96 205.50 Td (and ) Tj ET Q q 0 0 0 rg BT 350.83 205.50 Td (are ) Tj ET Q q 0 0 0 rg BT 365.47 205.50 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 421.76 205.50 Td (by ) Tj ET Q q 0 0 0 rg BT 434.20 205.50 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 477.74 205.50 Td (residential ) Tj ET Q q 0 0 0 rg BT 521.83 205.50 Td (real ) Tj ET Q q 0 0 0 rg BT 539.25 205.50 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.50 Td (and ) Tj ET Q q 0 0 0 rg BT 66.41 193.50 Td (home ) Tj ET Q q 0 0 0 rg BT 90.60 193.50 Td (equity ) Tj ET Q q 0 0 0 rg BT 117.57 193.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 140.65 193.50 Td (and ) Tj ET Q q 0 0 0 rg BT 157.06 193.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 186.23 193.50 Td (securities. ) Tj ET Q q 0 0 0 rg BT 228.32 193.50 Td (The ) Tj ET Q q 0 0 0 rg BT 245.84 193.50 Td (banks ) Tj ET Q q 0 0 0 rg BT 271.14 193.50 Td (have ) Tj ET Q q 0 0 0 rg BT 291.99 193.50 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 347.83 193.50 Td (with ) Tj ET Q q 0 0 0 rg BT 367.58 193.50 Td (the ) Tj ET Q q 0 0 0 rg BT 381.76 193.50 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 409.30 193.50 Td (whereby) Tj ET Q q 0 0 0 rg BT 443.08 193.50 Td (, ) Tj ET Q q 0 0 0 rg BT 447.55 193.50 Td (based ) Tj ET Q q 0 0 0 rg BT 472.29 193.50 Td (on ) Tj ET Q q 0 0 0 rg BT 484.26 193.50 Td (available ) Tj ET Q q 0 0 0 rg BT 522.32 193.50 Td (collateral, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.50 Td (they ) Tj ET Q q 0 0 0 rg BT 69.72 181.50 Td (could ) Tj ET Q q 0 0 0 rg BT 94.43 181.50 Td (have ) Tj ET Q q 0 0 0 rg BT 115.81 181.50 Td (borrowed ) Tj ET Q q 0 0 0 rg BT 156.63 181.50 Td (an ) Tj ET Q q 0 0 0 rg BT 168.57 181.50 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.06 181.50 Td ($931.0 ) Tj ET Q q 0 0 0 rg BT 241.06 181.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.95 181.50 Td ( ) Tj ET Q q 0 0 0 rg BT 272.45 181.50 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.17 181.50 Td (December31, ) Tj ET Q q 0 0 0 rg BT 340.75 181.50 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.75 181.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 157.50 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 78.31 157.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 117.70 157.50 Td (are ) Tj ET Q q 0 0 0 rg BT 132.65 157.50 Td (stated ) Tj ET Q q 0 0 0 rg BT 158.73 157.50 Td (at ) Tj ET Q q 0 0 0 rg BT 168.69 157.50 Td (par ) Tj ET Q q 0 0 0 rg BT 184.20 157.50 Td (value ) Tj ET Q q 0 0 0 rg BT 208.61 157.50 Td (of ) Tj ET Q q 0 0 0 rg BT 219.68 157.50 Td (the ) Tj ET Q q 0 0 0 rg BT 234.65 157.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 254.61 157.50 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 290.68 157.50 Td (for ) Tj ET Q q 0 0 0 rg BT 305.09 157.50 Td (unamortized ) Tj ET Q q 0 0 0 rg BT 357.81 157.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 374.44 157.50 Td (value ) Tj ET Q q 0 0 0 rg BT 398.84 157.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 449.36 157.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 487.08 157.50 Td (in ) Tj ET Q q 0 0 0 rg BT 497.61 157.50 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.23 157.50 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 145.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 89.57 145.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 126.91 145.50 Td (through ) Tj ET Q q 0 0 0 rg BT 160.94 145.50 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 214.14 145.50 Td (Prepayment ) Tj ET Q q 0 0 0 rg BT 264.82 145.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 283.84 145.50 Td (paid ) Tj ET Q q 0 0 0 rg BT 303.98 145.50 Td (at ) Tj ET Q q 0 0 0 rg BT 314.12 145.50 Td (the ) Tj ET Q q 0 0 0 rg BT 329.26 145.50 Td (time ) Tj ET Q q 0 0 0 rg BT 349.95 145.50 Td (of ) Tj ET Q q 0 0 0 rg BT 361.20 145.50 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 419.11 145.50 Td (of ) Tj ET Q q 0 0 0 rg BT 430.36 145.50 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 458.84 145.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 498.41 145.50 Td (are ) Tj ET Q q 0 0 0 rg BT 513.54 145.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 554.22 145.50 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 133.50 Td (other ) Tj ET Q q 0 0 0 rg BT 72.37 133.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 97.51 133.50 Td (on ) Tj ET Q q 0 0 0 rg BT 109.33 133.50 Td (the ) Tj ET Q q 0 0 0 rg BT 123.37 133.50 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 177.96 133.50 Td (Statements ) Tj ET Q q 0 0 0 rg BT 223.66 133.50 Td (of ) Tj ET Q q 0 0 0 rg BT 233.81 133.50 Td (Condition ) Tj ET Q q 0 0 0 rg BT 275.63 133.50 Td (and ) Tj ET Q q 0 0 0 rg BT 291.89 133.50 Td (are ) Tj ET Q q 0 0 0 rg BT 305.92 133.50 Td (amortized ) Tj ET Q q 0 0 0 rg BT 347.72 133.50 Td (as ) Tj ET Q q 0 0 0 rg BT 357.87 133.50 Td (an ) Tj ET Q q 0 0 0 rg BT 369.12 133.50 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 414.82 133.50 Td (to ) Tj ET Q q 0 0 0 rg BT 424.42 133.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 455.67 133.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 489.70 133.50 Td (using ) Tj ET Q q 0 0 0 rg BT 513.19 133.50 Td (the ) Tj ET Q q 0 0 0 rg BT 527.22 133.50 Td (ef) Tj ET Q q 0 0 0 rg BT 534.81 133.50 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 121.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 121.50 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.50 Td (Approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.64 100.50 Td ($35.0 ) Tj ET Q q 0 0 0 rg BT 137.25 100.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.14 100.50 Td ( ) Tj ET Q q 0 0 0 rg BT 168.24 100.50 Td (of ) Tj ET Q q 0 0 0 rg BT 178.67 100.50 Td (the ) Tj ET Q q 0 0 0 rg BT 192.99 100.50 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 220.65 100.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 259.40 100.50 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 308.17 100.50 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.49 100.50 Td (December31, ) Tj ET Q q 0 0 0 rg BT 375.67 100.50 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.67 100.50 Td (, ) Tj ET Q q 0 0 0 rg BT 400.28 100.50 Td (have ) Tj ET Q q 0 0 0 rg BT 421.25 100.50 Td (varying ) Tj ET Q q 0 0 0 rg BT 453.90 100.50 Td (put ) Tj ET Q q 0 0 0 rg BT 468.78 100.50 Td (dates ) Tj ET Q q 0 0 0 rg BT 491.43 100.50 Td (in ) Tj ET Q q 0 0 0 rg BT 501.31 100.50 Td (February ) Tj ET Q q 0 0 0 rg BT 539.51 100.50 Td (2016. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.50 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.50 88.50 Td (December31, ) Tj ET Q q 0 0 0 rg BT 121.08 88.50 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.08 88.50 Td (, ) Tj ET Q q 0 0 0 rg BT 146.08 88.50 Td (the ) Tj ET Q q 0 0 0 rg BT 160.80 88.50 Td (weighted ) Tj ET Q q 0 0 0 rg BT 199.96 88.50 Td (average ) Tj ET Q q 0 0 0 rg BT 233.54 88.50 Td (contractual ) Tj ET Q q 0 0 0 rg BT 280.46 88.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 312.39 88.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 329.88 88.50 Td (on ) Tj ET Q q 0 0 0 rg BT 342.38 88.50 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 370.44 88.50 Td (advances ) Tj ET Q q 0 0 0 rg BT 409.58 88.50 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.64 88.50 Td (0.92%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.47 88.50 Td (.) Tj ET Q endstream endobj 269 0 obj <> endobj 270 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (134) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (\(12\) Subordinated Notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.77 721.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 119.63 721.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.63 721.25 Td ( ) Tj ET Q q 0 0 0 rg BT 141.41 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.62 721.25 Td (December ) Tj ET Q q 0 0 0 rg BT 200.48 721.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 214.75 721.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 239.02 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 253.01 721.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 293.68 721.25 Td (had ) Tj ET Q q 0 0 0 rg BT 309.89 721.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 358.33 721.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 411.76 721.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 434.64 721.25 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.96 721.25 Td ($140.0 ) Tj ET Q q 0 0 0 rg BT 496.24 721.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.13 721.25 Td (. ) Tj ET Q q 0 0 0 rg BT 529.40 721.25 Td (In ) Tj ET Q q 0 0 0 rg BT 539.51 721.25 Td (2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.02 709.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 104.70 709.25 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.50 709.25 Td ($140.0 ) Tj ET Q q 0 0 0 rg BT 160.80 709.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.69 709.25 Td ( ) Tj ET Q q 0 0 0 rg BT 191.49 709.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.62 709.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 255.08 709.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 277.98 709.25 Td (receiving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.98 709.25 Td ($139.1 ) Tj ET Q q 0 0 0 rg BT 346.28 709.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.18 709.25 Td ( ) Tj ET Q q 0 0 0 rg BT 376.98 709.25 Td (in ) Tj ET Q q 0 0 0 rg BT 386.55 709.25 Td (net ) Tj ET Q q 0 0 0 rg BT 400.57 709.25 Td (proceeds. ) Tj ET Q q 0 0 0 rg BT 440.28 709.25 Td (The ) Tj ET Q q 0 0 0 rg BT 457.62 709.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 480.53 709.25 Td (have ) Tj ET Q q 0 0 0 rg BT 501.21 709.25 Td (a ) Tj ET Q q 0 0 0 rg BT 507.44 709.25 Td (stated ) Tj ET Q q 0 0 0 rg BT 532.57 709.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 68.30 697.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.95 697.25 Td (5.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.78 697.25 Td ( ) Tj ET Q q 0 0 0 rg BT 109.10 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 126.85 697.25 Td (mature ) Tj ET Q q 0 0 0 rg BT 157.93 697.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.03 697.25 Td (June ) Tj ET Q q 0 0 0 rg BT 190.67 697.25 Td (2024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.67 697.25 Td (. ) Tj ET Q q 0 0 0 rg BT 216.49 697.25 Td (Previously) Tj ET Q q 0 0 0 rg BT 258.62 697.25 Td (, ) Tj ET Q q 0 0 0 rg BT 264.44 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 279.97 697.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 322.17 697.25 Td (borrowed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.81 697.25 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 389.63 697.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.52 697.25 Td ( ) Tj ET Q q 0 0 0 rg BT 421.84 697.25 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.92 697.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.91 697.25 Td ( ) Tj ET Q q 0 0 0 rg BT 471.22 697.25 Td (separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.30 697.25 Td ($25.0 ) Tj ET Q q 0 0 0 rg BT 533.11 697.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 104.05 685.25 Td (note ) Tj ET Q q 0 0 0 rg BT 123.65 685.25 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 174.07 685.25 Td (Each ) Tj ET Q q 0 0 0 rg BT 196.45 685.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 250.50 685.25 Td (note ) Tj ET Q q 0 0 0 rg BT 270.10 685.25 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.81 685.25 Td (annual) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.46 685.25 Td ( ) Tj ET Q q 0 0 0 rg BT 334.85 685.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 372.79 685.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 413.50 685.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.22 685.25 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 444.11 685.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 685.25 Td ( ) Tj ET Q q 0 0 0 rg BT 475.39 685.25 Td (beginning ) Tj ET Q q 0 0 0 rg BT 517.78 685.25 Td (in ) Tj ET Q q 0 0 0 rg BT 527.95 685.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.55 685.25 Td (sixth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (year ) Tj ET Q q 0 0 0 rg BT 69.69 673.25 Td (of ) Tj ET Q q 0 0 0 rg BT 80.51 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 95.21 673.25 Td (note ) Tj ET Q q 0 0 0 rg BT 114.91 673.25 Td (and ) Tj ET Q q 0 0 0 rg BT 131.84 673.25 Td (had ) Tj ET Q q 0 0 0 rg BT 148.76 673.25 Td (a ) Tj ET Q q 0 0 0 rg BT 155.68 673.25 Td (term ) Tj ET Q q 0 0 0 rg BT 176.49 673.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.31 673.25 Td (ten ) Tj ET Q q 0 0 0 rg BT 202.01 673.25 Td (years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.11 673.25 Td (. ) Tj ET Q q 0 0 0 rg BT 227.92 673.25 Td (The ) Tj ET Q q 0 0 0 rg BT 245.95 673.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 277.87 673.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 295.34 673.25 Td (on ) Tj ET Q q 0 0 0 rg BT 307.82 673.25 Td (each ) Tj ET Q q 0 0 0 rg BT 328.62 673.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 382.76 673.25 Td (note ) Tj ET Q q 0 0 0 rg BT 402.47 673.25 Td (was ) Tj ET Q q 0 0 0 rg BT 420.50 673.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 463.52 673.25 Td (at ) Tj ET Q q 0 0 0 rg BT 473.22 673.25 Td (a ) Tj ET Q q 0 0 0 rg BT 480.14 673.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 497.61 673.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 521.75 673.25 Td (to ) Tj ET Q q 0 0 0 rg BT 532.02 673.25 Td (LIBOR ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.65 661.25 Td (130 ) Tj ET Q q 0 0 0 rg BT 85.62 661.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 107.60 661.25 Td (points) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.05 661.25 Td (. ) Tj ET Q q 0 0 0 rg BT 136.52 661.25 Td (In ) Tj ET Q q 0 0 0 rg BT 146.83 661.25 Td (2013, ) Tj ET Q q 0 0 0 rg BT 171.31 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.50 661.25 Td (only ) Tj ET Q q 0 0 0 rg BT 205.26 661.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 247.77 661.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 301.41 661.25 Td (note ) Tj ET Q q 0 0 0 rg BT 320.60 661.25 Td (with ) Tj ET Q q 0 0 0 rg BT 340.35 661.25 Td (a ) Tj ET Q q 0 0 0 rg BT 346.77 661.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 379.28 661.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.58 661.25 Td ($10.0 ) Tj ET Q q 0 0 0 rg BT 414.06 661.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.95 661.25 Td ( ) Tj ET Q q 0 0 0 rg BT 444.93 661.25 Td (was ) Tj ET Q q 0 0 0 rg BT 462.46 661.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 481.65 661.25 Td (of) Tj ET Q q 0 0 0 rg BT 489.80 661.25 Td (f ) Tj ET Q q 0 0 0 rg BT 495.11 661.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 516.52 661.25 Td (to ) Tj ET Q q 0 0 0 rg BT 526.28 661.25 Td (maturity) Tj ET Q q 0 0 0 rg BT 559.51 661.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.25 Td (In ) Tj ET Q q 0 0 0 rg BT 60.69 640.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 106.92 640.25 Td (with ) Tj ET Q q 0 0 0 rg BT 127.05 640.25 Td (the ) Tj ET Q q 0 0 0 rg BT 141.63 640.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 177.86 640.25 Td (of ) Tj ET Q q 0 0 0 rg BT 188.55 640.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 242.56 640.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 266.03 640.25 Td (in ) Tj ET Q q 0 0 0 rg BT 276.16 640.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 301.02 640.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.59 640.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 356.84 640.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 392.51 640.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 414.87 640.25 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.78 640.25 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 467.64 640.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.53 640.25 Td (. ) Tj ET Q q 0 0 0 rg BT 501.21 640.25 Td (These ) Tj ET Q q 0 0 0 rg BT 527.45 640.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 549.81 640.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (included ) Tj ET Q q 0 0 0 rg BT 86.71 628.25 Td (in ) Tj ET Q q 0 0 0 rg BT 96.76 628.25 Td (other ) Tj ET Q q 0 0 0 rg BT 119.58 628.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 145.18 628.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.89 628.25 Td (will ) Tj ET Q q 0 0 0 rg BT 179.72 628.25 Td (be ) Tj ET Q q 0 0 0 rg BT 191.43 628.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 233.69 628.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.74 628.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 275.44 628.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 309.92 628.25 Td (using ) Tj ET Q q 0 0 0 rg BT 333.87 628.25 Td (a ) Tj ET Q q 0 0 0 rg BT 340.58 628.25 Td (method ) Tj ET Q q 0 0 0 rg BT 372.85 628.25 Td (that ) Tj ET Q q 0 0 0 rg BT 390.11 628.25 Td (approximates ) Tj ET Q q 0 0 0 rg BT 446.26 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.75 628.25 Td (ef) Tj ET Q q 0 0 0 rg BT 468.34 628.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 497.81 628.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 529.52 628.25 Td (method. ) Tj ET Q q 0 0 0 rg BT 564.51 628.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.69 616.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 119.46 616.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.46 616.25 Td (, ) Tj ET Q q 0 0 0 rg BT 143.65 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.55 616.25 Td (unamortized ) Tj ET Q q 0 0 0 rg BT 209.22 616.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 245.33 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 255.34 616.25 Td (these ) Tj ET Q q 0 0 0 rg BT 277.58 616.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 299.27 616.25 Td (were ) Tj ET Q q 0 0 0 rg BT 320.38 616.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.83 616.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 399.01 616.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.91 616.25 Td (. ) Tj ET Q q 0 0 0 rg BT 431.97 616.25 Td (These ) Tj ET Q q 0 0 0 rg BT 457.53 616.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 510.88 616.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 533.67 616.25 Td (qualify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.65 604.25 Td (T) Tj ET Q q 0 0 0 rg BT 66.41 604.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 79.45 604.25 Td (II ) Tj ET Q q 0 0 0 rg BT 88.61 604.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 117.76 604.25 Td (under ) Tj ET Q q 0 0 0 rg BT 143.03 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.75 604.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 201.34 604.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 230.49 604.25 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 287.70 604.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 318.52 604.25 Td (to ) Tj ET Q q 0 0 0 rg BT 328.80 604.25 Td (restrictions.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 578.25 Td (\(13\) Other) Tj ET Q q 0 0 0 rg BT 94.53 578.25 Td ( Borr) Tj ET Q q 0 0 0 rg BT 117.39 578.25 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 557.25 Td (The following is a summary of other borrowings at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.90 557.25 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.49 557.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.93 557.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.93 557.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 534.75 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 534.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 534.75 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 534.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 534.75 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 506.75 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 506.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 506.75 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 506.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 506.75 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 478.75 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 478.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 478.75 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 478.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 478.75 80.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 546.75 m 394.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 534.75 m 394.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 546.75 m 398.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 534.75 m 398.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 546.75 m 478.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 534.75 m 478.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 546.75 m 482.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 534.75 m 482.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 546.75 m 562.5 546.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 534.75 m 562.5 534.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 478.75 m 394.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 478.75 m 398.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 478.75 m 478.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 478.75 m 482.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 478.75 m 562.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 464.75 m 394.5 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 464.75 m 398.5 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 464.75 m 478.5 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 464.75 m 482.5 464.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 464.75 m 562.5 464.75 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 538.70 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.00 538.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 538.70 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 525.32 Td (Notes payable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.00 525.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 525.43 Td (67,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 525.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 525.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 511.32 Td (Short-term borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 511.43 Td (63,887) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 511.32 Td (48,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 497.32 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 497.43 Td (19,017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 497.32 Td (18,822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 483.32 Td (Secured borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 483.43 Td (115,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 483.32 Td (129,077) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 469.32 Td (Total other borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.00 469.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 469.43 Td (266,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 469.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 469.32 Td (196,465) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 444.25 Td (Notes ) Tj ET Q q 0 0 0 rg BT 75.28 444.25 Td (Payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 423.25 Td (At ) Tj ET Q q 0 0 0 rg BT 61.93 423.25 Td (December ) Tj ET Q q 0 0 0 rg BT 104.94 423.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 119.37 423.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 143.80 423.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 166.84 423.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 199.86 423.25 Td (represented ) Tj ET Q q 0 0 0 rg BT 247.87 423.25 Td (a ) Tj ET Q q 0 0 0 rg BT 254.24 423.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.17 423.25 Td ($67.5 ) Tj ET Q q 0 0 0 rg BT 280.60 423.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.49 423.25 Td ( ) Tj ET Q q 0 0 0 rg BT 311.42 423.25 Td (term ) Tj ET Q q 0 0 0 rg BT 331.67 423.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 361.92 423.25 Td (\("T) Tj ET Q q 0 0 0 rg BT 374.74 423.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 392.22 423.25 Td (Facility"\), ) Tj ET Q q 0 0 0 rg BT 434.61 423.25 Td (which ) Tj ET Q q 0 0 0 rg BT 460.98 423.25 Td (is ) Tj ET Q q 0 0 0 rg BT 469.58 423.25 Td (part ) Tj ET Q q 0 0 0 rg BT 487.05 423.25 Td (of ) Tj ET Q q 0 0 0 rg BT 497.31 423.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.68 423.25 Td ($150.0 ) Tj ET Q q 0 0 0 rg BT 533.11 423.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 411.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.16 411.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 112.75 411.25 Td (with ) Tj ET Q q 0 0 0 rg BT 132.47 411.25 Td (unaf) Tj ET Q q 0 0 0 rg BT 150.06 411.25 Td (filiated ) Tj ET Q q 0 0 0 rg BT 180.32 411.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 205.60 411.25 Td (dated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.20 411.25 Td (December15, ) Tj ET Q q 0 0 0 rg BT 287.23 411.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.23 411.25 Td (. ) Tj ET Q q 0 0 0 rg BT 311.53 411.25 Td (The ) Tj ET Q q 0 0 0 rg BT 329.02 411.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 372.61 411.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 406.22 411.25 Td (of ) Tj ET Q q 0 0 0 rg BT 416.50 411.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.52 411.25 Td (T) Tj ET Q q 0 0 0 rg BT 435.93 411.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 453.42 411.25 Td (Facility ) Tj ET Q q 0 0 0 rg BT 485.92 411.25 Td (and ) Tj ET Q q 0 0 0 rg BT 502.30 411.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.68 411.25 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 533.13 411.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 399.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 90.65 399.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 115.73 399.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 146.37 399.25 Td (\("Revolving ) Tj ET Q q 0 0 0 rg BT 197.77 399.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 225.09 399.25 Td (Facility"\). ) Tj ET Q q 0 0 0 rg BT 267.36 399.25 Td (At ) Tj ET Q q 0 0 0 rg BT 279.69 399.25 Td (December ) Tj ET Q q 0 0 0 rg BT 323.09 399.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 337.91 399.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 362.73 399.25 Td (the ) Tj ET Q q 0 0 0 rg BT 377.27 399.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 418.48 399.25 Td (had ) Tj ET Q q 0 0 0 rg BT 435.24 399.25 Td (an ) Tj ET Q q 0 0 0 rg BT 447.00 399.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 495.99 399.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 528.84 399.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 399.25 Td ($67.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 387.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 387.25 Td ( ) Tj ET Q q 0 0 0 rg BT 82.30 387.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 125.13 387.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.31 387.25 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.31 387.25 Td ( ) Tj ET Q q 0 0 0 rg BT 149.71 387.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 199.78 387.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 233.72 387.25 Td (at ) Tj ET Q q 0 0 0 rg BT 244.34 387.25 Td (December ) Tj ET Q q 0 0 0 rg BT 288.83 387.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 304.73 387.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 328.14 387.25 Td (under ) Tj ET Q q 0 0 0 rg BT 354.31 387.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.69 387.25 Td (T) Tj ET Q q 0 0 0 rg BT 375.10 387.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 394.05 387.25 Td (Facility) Tj ET Q q 0 0 0 rg BT 423.95 387.25 Td (. ) Tj ET Q q 0 0 0 rg BT 429.61 387.25 Td (The ) Tj ET Q q 0 0 0 rg BT 448.56 387.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 490.85 387.25 Td (was ) Tj ET Q q 0 0 0 rg BT 509.81 387.25 Td (contractually ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 375.25 Td (required ) Tj ET Q q 0 0 0 rg BT 85.99 375.25 Td (to ) Tj ET Q q 0 0 0 rg BT 96.44 375.25 Td (borrow ) Tj ET Q q 0 0 0 rg BT 128.00 375.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.89 375.25 Td (entire ) Tj ET Q q 0 0 0 rg BT 168.33 375.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 201.00 375.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.00 375.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.70 375.25 Td (T) Tj ET Q q 0 0 0 rg BT 232.11 375.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 250.33 375.25 Td (Facility ) Tj ET Q q 0 0 0 rg BT 283.56 375.25 Td (on ) Tj ET Q q 0 0 0 rg BT 296.24 375.25 Td (June ) Tj ET Q q 0 0 0 rg BT 317.24 375.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 332.42 375.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 355.09 375.25 Td (and ) Tj ET Q q 0 0 0 rg BT 372.20 375.25 Td (all ) Tj ET Q q 0 0 0 rg BT 384.87 375.25 Td (such ) Tj ET Q q 0 0 0 rg BT 405.88 375.25 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 454.11 375.25 Td (must ) Tj ET Q q 0 0 0 rg BT 476.23 375.25 Td (be ) Tj ET Q q 0 0 0 rg BT 488.34 375.25 Td (repaid ) Tj ET Q q 0 0 0 rg BT 516.00 375.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.68 375.25 Td (June15, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 363.25 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 363.25 Td (. ) Tj ET Q q 0 0 0 rg BT 74.32 363.25 Td (Beginning ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.80 363.25 Td (September30, ) Tj ET Q q 0 0 0 rg BT 177.38 363.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.38 363.25 Td (, ) Tj ET Q q 0 0 0 rg BT 201.69 363.25 Td (the ) Tj ET Q q 0 0 0 rg BT 215.73 363.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 256.43 363.25 Td (was ) Tj ET Q q 0 0 0 rg BT 273.80 363.25 Td (required ) Tj ET Q q 0 0 0 rg BT 308.93 363.25 Td (to ) Tj ET Q q 0 0 0 rg BT 318.53 363.25 Td (make ) Tj ET Q q 0 0 0 rg BT 342.00 363.25 Td (straight-line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.13 363.25 Td (quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.23 363.25 Td ( ) Tj ET Q q 0 0 0 rg BT 430.04 363.25 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 475.18 363.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 515.32 363.25 Td (on ) Tj ET Q q 0 0 0 rg BT 527.14 363.25 Td (the ) Tj ET Q q 0 0 0 rg BT 541.04 363.25 Td (T) Tj ET Q q 0 0 0 rg BT 546.45 363.25 Td (erm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 351.25 Td (Facility) Tj ET Q q 0 0 0 rg BT 79.90 351.25 Td (. ) Tj ET Q q 0 0 0 rg BT 85.21 351.25 Td (At ) Tj ET Q q 0 0 0 rg BT 98.80 351.25 Td (December ) Tj ET Q q 0 0 0 rg BT 143.48 351.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 159.58 351.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 183.18 351.25 Td (and ) Tj ET Q q 0 0 0 rg BT 201.22 351.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 227.31 351.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.13 351.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 285.61 351.25 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.65 351.25 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 351.25 Td ( ) Tj ET Q q 0 0 0 rg BT 317.25 351.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 367.51 351.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 401.64 351.25 Td (under ) Tj ET Q q 0 0 0 rg BT 428.01 351.25 Td (the ) Tj ET Q q 0 0 0 rg BT 443.82 351.25 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 489.08 351.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 517.68 351.25 Td (Facility) Tj ET Q q 0 0 0 rg BT 547.58 351.25 Td (. ) Tj ET Q q 0 0 0 rg BT 553.68 351.25 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 339.25 Td (December ) Tj ET Q q 0 0 0 rg BT 94.46 339.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 120.34 339.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.93 339.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 178.19 339.25 Td (amended ) Tj ET Q q 0 0 0 rg BT 217.66 339.25 Td (the ) Tj ET Q q 0 0 0 rg BT 233.26 339.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 253.85 339.25 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 301.37 339.25 Td (ef) Tj ET Q q 0 0 0 rg BT 308.96 339.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 347.31 339.25 Td (extending ) Tj ET Q q 0 0 0 rg BT 390.12 339.25 Td (the ) Tj ET Q q 0 0 0 rg BT 405.72 339.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 442.97 339.25 Td (date ) Tj ET Q q 0 0 0 rg BT 463.01 339.25 Td (on ) Tj ET Q q 0 0 0 rg BT 476.38 339.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.98 339.25 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 537.02 339.25 Td (Credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 327.25 Td (Facility ) Tj ET Q q 0 0 0 rg BT 83.05 327.25 Td (from ) Tj ET Q q 0 0 0 rg BT 104.99 327.25 Td (December ) Tj ET Q q 0 0 0 rg BT 148.57 327.25 Td (14, ) Tj ET Q q 0 0 0 rg BT 163.57 327.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 186.07 327.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.35 327.25 Td (December12, ) Tj ET Q q 0 0 0 rg BT 254.94 327.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.94 327.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 306.25 Td (Borrowings ) Tj ET Q q 0 0 0 rg BT 100.17 306.25 Td (under ) Tj ET Q q 0 0 0 rg BT 125.90 306.25 Td (the ) Tj ET Q q 0 0 0 rg BT 141.07 306.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 185.66 306.25 Td (that ) Tj ET Q q 0 0 0 rg BT 203.61 306.25 Td (are ) Tj ET Q q 0 0 0 rg BT 218.77 306.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 265.04 306.25 Td (Base ) Tj ET Q q 0 0 0 rg BT 291.87 306.25 Td (Rate ) Tj ET Q q 0 0 0 rg BT 313.15 306.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 344.98 306.25 Td (bear ) Tj ET Q q 0 0 0 rg BT 365.14 306.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 397.52 306.25 Td (at ) Tj ET Q q 0 0 0 rg BT 407.69 306.25 Td (a ) Tj ET Q q 0 0 0 rg BT 415.08 306.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 433.02 306.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 457.63 306.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.36 306.25 Td (the ) Tj ET Q q 0 0 0 rg BT 483.53 306.25 Td (sum ) Tj ET Q q 0 0 0 rg BT 503.16 306.25 Td (of ) Tj ET Q q 0 0 0 rg BT 514.44 306.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 529.05 306.25 Td (50 ) Tj ET Q q 0 0 0 rg BT 542.00 306.25 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 294.25 Td (points ) Tj ET Q q 0 0 0 rg BT 77.25 294.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 91.15 294.25 Td (the ) Tj ET Q q 0 0 0 rg BT 106.17 294.25 Td (case ) Tj ET Q q 0 0 0 rg BT 126.17 294.25 Td (of ) Tj ET Q q 0 0 0 rg BT 137.30 294.25 Td (a ) Tj ET Q q 0 0 0 rg BT 144.54 294.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 188.99 294.25 Td (under ) Tj ET Q q 0 0 0 rg BT 214.56 294.25 Td (the ) Tj ET Q q 0 0 0 rg BT 229.58 294.25 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 274.04 294.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 301.83 294.25 Td (Facility\) ) Tj ET Q q 0 0 0 rg BT 338.51 294.25 Td (or ) Tj ET Q q 0 0 0 rg BT 349.64 294.25 Td (75 ) Tj ET Q q 0 0 0 rg BT 362.44 294.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 385.23 294.25 Td (points ) Tj ET Q q 0 0 0 rg BT 412.48 294.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 426.39 294.25 Td (the ) Tj ET Q q 0 0 0 rg BT 441.40 294.25 Td (case ) Tj ET Q q 0 0 0 rg BT 461.41 294.25 Td (of ) Tj ET Q q 0 0 0 rg BT 472.53 294.25 Td (a ) Tj ET Q q 0 0 0 rg BT 479.77 294.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 524.23 294.25 Td (under ) Tj ET Q q 0 0 0 rg BT 549.79 294.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 282.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 282.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 72.69 282.25 Td (Facility\) ) Tj ET Q q 0 0 0 rg BT 108.31 282.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 126.71 282.25 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 140.11 282.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.06 282.25 Td (highest ) Tj ET Q q 0 0 0 rg BT 184.68 282.25 Td (of ) Tj ET Q q 0 0 0 rg BT 194.75 282.25 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 207.58 282.25 Td (the ) Tj ET Q q 0 0 0 rg BT 221.53 282.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 251.02 282.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 274.98 282.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 291.70 282.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 310.10 282.25 Td (50 ) Tj ET Q q 0 0 0 rg BT 321.84 282.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 343.57 282.25 Td (points, ) Tj ET Q q 0 0 0 rg BT 372.25 282.25 Td (\(b\) ) Tj ET Q q 0 0 0 rg BT 385.65 282.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.60 282.25 Td (lender's ) Tj ET Q q 0 0 0 rg BT 432.02 282.25 Td (prime ) Tj ET Q q 0 0 0 rg BT 457.08 282.25 Td (rate, ) Tj ET Q q 0 0 0 rg BT 476.30 282.25 Td (and ) Tj ET Q q 0 0 0 rg BT 492.47 282.25 Td (\(c\) ) Tj ET Q q 0 0 0 rg BT 505.30 282.25 Td (the ) Tj ET Q q 0 0 0 rg BT 519.25 282.25 Td (Eurodollar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 270.25 Td (Rate ) Tj ET Q q 0 0 0 rg BT 70.64 270.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 84.61 270.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 116.90 270.25 Td (below\) ) Tj ET Q q 0 0 0 rg BT 146.98 270.25 Td (that ) Tj ET Q q 0 0 0 rg BT 164.29 270.25 Td (would ) Tj ET Q q 0 0 0 rg BT 191.60 270.25 Td (be ) Tj ET Q q 0 0 0 rg BT 203.35 270.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 246.75 270.25 Td (for ) Tj ET Q q 0 0 0 rg BT 260.72 270.25 Td (an ) Tj ET Q q 0 0 0 rg BT 272.47 270.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 304.22 270.25 Td (period ) Tj ET Q q 0 0 0 rg BT 332.07 270.25 Td (of ) Tj ET Q q 0 0 0 rg BT 342.71 270.25 Td (one ) Tj ET Q q 0 0 0 rg BT 359.46 270.25 Td (month ) Tj ET Q q 0 0 0 rg BT 387.33 270.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 406.31 270.25 Td (100 ) Tj ET Q q 0 0 0 rg BT 423.62 270.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 445.93 270.25 Td (points. ) Tj ET Q q 0 0 0 rg BT 475.19 270.25 Td (Borrowings ) Tj ET Q q 0 0 0 rg BT 524.73 270.25 Td (under ) Tj ET Q q 0 0 0 rg BT 549.81 270.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 258.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 93.98 258.25 Td (that ) Tj ET Q q 0 0 0 rg BT 111.32 258.25 Td (are ) Tj ET Q q 0 0 0 rg BT 125.87 258.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 171.53 258.25 Td (Eurodollar ) Tj ET Q q 0 0 0 rg BT 221.07 258.25 Td (Rate ) Tj ET Q q 0 0 0 rg BT 241.74 258.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 272.96 258.25 Td (bear ) Tj ET Q q 0 0 0 rg BT 292.51 258.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 324.29 258.25 Td (at ) Tj ET Q q 0 0 0 rg BT 333.85 258.25 Td (a ) Tj ET Q q 0 0 0 rg BT 340.63 258.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 357.96 258.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 381.96 258.25 Td (to ) Tj ET Q q 0 0 0 rg BT 392.08 258.25 Td (the ) Tj ET Q q 0 0 0 rg BT 406.64 258.25 Td (sum ) Tj ET Q q 0 0 0 rg BT 425.65 258.25 Td (of ) Tj ET Q q 0 0 0 rg BT 436.32 258.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 450.32 258.25 Td (150 ) Tj ET Q q 0 0 0 rg BT 467.67 258.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 490.01 258.25 Td (points ) Tj ET Q q 0 0 0 rg BT 516.80 258.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 530.25 258.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.81 258.25 Td (case ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 246.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.74 246.25 Td (a ) Tj ET Q q 0 0 0 rg BT 67.59 246.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 111.65 246.25 Td (under ) Tj ET Q q 0 0 0 rg BT 136.83 246.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.46 246.25 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 195.53 246.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 222.94 246.25 Td (Facility\) ) Tj ET Q q 0 0 0 rg BT 259.23 246.25 Td (or ) Tj ET Q q 0 0 0 rg BT 269.96 246.25 Td (175 ) Tj ET Q q 0 0 0 rg BT 287.37 246.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 309.78 246.25 Td (points ) Tj ET Q q 0 0 0 rg BT 336.64 246.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 350.16 246.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.78 246.25 Td (case ) Tj ET Q q 0 0 0 rg BT 384.40 246.25 Td (of ) Tj ET Q q 0 0 0 rg BT 395.14 246.25 Td (a ) Tj ET Q q 0 0 0 rg BT 401.98 246.25 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 446.05 246.25 Td (under ) Tj ET Q q 0 0 0 rg BT 471.23 246.25 Td (the ) Tj ET Q q 0 0 0 rg BT 485.68 246.25 Td (T) Tj ET Q q 0 0 0 rg BT 491.09 246.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 509.05 246.25 Td (Facility\) ) Tj ET Q q 0 0 0 rg BT 545.34 246.25 Td (plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 234.25 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 65.40 234.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.36 234.25 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 115.10 234.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 133.82 234.25 Td (for ) Tj ET Q q 0 0 0 rg BT 149.22 234.25 Td (the ) Tj ET Q q 0 0 0 rg BT 165.18 234.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 210.01 234.25 Td (period, ) Tj ET Q q 0 0 0 rg BT 241.80 234.25 Td (as ) Tj ET Q q 0 0 0 rg BT 253.87 234.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 290.93 234.25 Td (for ) Tj ET Q q 0 0 0 rg BT 306.33 234.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 345.07 234.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 377.68 234.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 433.62 234.25 Td (for ) Tj ET Q q 0 0 0 rg BT 449.02 234.25 Td (eurocurrency ) Tj ET Q q 0 0 0 rg BT 505.50 234.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 546.46 234.25 Td (\(the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 222.25 Td (Eurodollar ) Tj ET Q q 0 0 0 rg BT 100.71 222.25 Td (Rate\). ) Tj ET Q q 0 0 0 rg BT 132.04 222.25 Td (A) Tj ET Q q 0 0 0 rg BT 138.71 222.25 Td ( ) Tj ET Q q 0 0 0 rg BT 142.22 222.25 Td (commitment ) Tj ET Q q 0 0 0 rg BT 196.28 222.25 Td (fee ) Tj ET Q q 0 0 0 rg BT 212.00 222.25 Td (is ) Tj ET Q q 0 0 0 rg BT 222.18 222.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 256.78 222.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 296.39 222.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 321.55 222.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.84 222.25 Td (0.20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.67 222.25 Td ( ) Tj ET Q q 0 0 0 rg BT 362.18 222.25 Td (of ) Tj ET Q q 0 0 0 rg BT 374.02 222.25 Td (the ) Tj ET Q q 0 0 0 rg BT 389.75 222.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 417.14 222.25 Td (daily ) Tj ET Q q 0 0 0 rg BT 440.64 222.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 474.15 222.25 Td (by ) Tj ET Q q 0 0 0 rg BT 487.66 222.25 Td (which ) Tj ET Q q 0 0 0 rg BT 515.61 222.25 Td (the ) Tj ET Q q 0 0 0 rg BT 531.33 222.25 Td (lenders' ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 210.25 Td (commitment ) Tj ET Q q 0 0 0 rg BT 103.05 210.25 Td (under ) Tj ET Q q 0 0 0 rg BT 128.32 210.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.03 210.25 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 187.20 210.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 214.69 210.25 Td (Facility ) Tj ET Q q 0 0 0 rg BT 247.74 210.25 Td (exceeded ) Tj ET Q q 0 0 0 rg BT 287.44 210.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.15 210.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 334.65 210.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 383.81 210.25 Td (under ) Tj ET Q q 0 0 0 rg BT 409.08 210.25 Td (such ) Tj ET Q q 0 0 0 rg BT 429.91 210.25 Td (facility) Tj ET Q q 0 0 0 rg BT 457.58 210.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 186.25 Td (In ) Tj ET Q q 0 0 0 rg BT 61.42 186.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 83.95 186.25 Td (periods, ) Tj ET Q q 0 0 0 rg BT 118.98 186.25 Td (the ) Tj ET Q q 0 0 0 rg BT 134.28 186.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 176.26 186.25 Td (has ) Tj ET Q q 0 0 0 rg BT 192.68 186.25 Td (had ) Tj ET Q q 0 0 0 rg BT 210.21 186.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.74 186.25 Td ($101.0 ) Tj ET Q q 0 0 0 rg BT 248.33 186.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.22 186.25 Td ( ) Tj ET Q q 0 0 0 rg BT 280.31 186.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 300.61 186.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 345.34 186.25 Td (with ) Tj ET Q q 0 0 0 rg BT 366.21 186.25 Td (unaf) Tj ET Q q 0 0 0 rg BT 383.80 186.25 Td (filiated ) Tj ET Q q 0 0 0 rg BT 415.21 186.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 441.63 186.25 Td (dated ) Tj ET Q q 0 0 0 rg BT 466.38 186.25 Td (as ) Tj ET Q q 0 0 0 rg BT 477.80 186.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.22 186.25 Td (October30, ) Tj ET Q q 0 0 0 rg BT 539.51 186.25 Td (2009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 186.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 174.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.73 174.25 Td (had ) Tj ET Q q 0 0 0 rg BT 93.45 174.25 Td (been ) Tj ET Q q 0 0 0 rg BT 114.61 174.25 Td (amended ) Tj ET Q q 0 0 0 rg BT 152.99 174.25 Td (at ) Tj ET Q q 0 0 0 rg BT 162.50 174.25 Td (least ) Tj ET Q q 0 0 0 rg BT 183.11 174.25 Td (annually ) Tj ET Q q 0 0 0 rg BT 219.83 174.25 Td (between ) Tj ET Q q 0 0 0 rg BT 255.43 174.25 Td (2009 ) Tj ET Q q 0 0 0 rg BT 277.72 174.25 Td (and ) Tj ET Q q 0 0 0 rg BT 294.44 174.25 Td (2014. ) Tj ET Q q 0 0 0 rg BT 319.06 174.25 Td (The ) Tj ET Q q 0 0 0 rg BT 336.90 174.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 380.83 174.25 Td (consisted ) Tj ET Q q 0 0 0 rg BT 420.33 174.25 Td (of ) Tj ET Q q 0 0 0 rg BT 430.95 174.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.67 174.25 Td ($100.0 ) Tj ET Q q 0 0 0 rg BT 467.46 174.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.35 174.25 Td ( ) Tj ET Q q 0 0 0 rg BT 498.64 174.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 539.25 174.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 162.25 Td (facility) Tj ET Q q 0 0 0 rg BT 77.67 162.25 Td (, ) Tj ET Q q 0 0 0 rg BT 82.52 162.25 Td (maturing ) Tj ET Q q 0 0 0 rg BT 120.97 162.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.31 162.25 Td (October25, ) Tj ET Q q 0 0 0 rg BT 182.87 162.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.87 162.25 Td (, ) Tj ET Q q 0 0 0 rg BT 207.71 162.25 Td (and ) Tj ET Q q 0 0 0 rg BT 224.50 162.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.28 162.25 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 251.13 162.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.02 162.25 Td ( ) Tj ET Q q 0 0 0 rg BT 282.37 162.25 Td (term ) Tj ET Q q 0 0 0 rg BT 303.04 162.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 322.60 162.25 Td (maturing ) Tj ET Q q 0 0 0 rg BT 361.05 162.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.40 162.25 Td (June1, ) Tj ET Q q 0 0 0 rg BT 404.07 162.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.07 162.25 Td (. ) Tj ET Q q 0 0 0 rg BT 428.92 162.25 Td (In ) Tj ET Q q 0 0 0 rg BT 439.59 162.25 Td (2013, ) Tj ET Q q 0 0 0 rg BT 464.44 162.25 Td (the ) Tj ET Q q 0 0 0 rg BT 479.00 162.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 520.24 162.25 Td (repaid ) Tj ET Q q 0 0 0 rg BT 547.57 162.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 150.25 Td (terminated ) Tj ET Q q 0 0 0 rg BT 94.85 150.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.16 150.25 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 128.75 150.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.64 150.25 Td ( ) Tj ET Q q 0 0 0 rg BT 159.73 150.25 Td (term ) Tj ET Q q 0 0 0 rg BT 180.15 150.25 Td (loan, ) Tj ET Q q 0 0 0 rg BT 201.96 150.25 Td (and ) Tj ET Q q 0 0 0 rg BT 218.49 150.25 Td (amended ) Tj ET Q q 0 0 0 rg BT 256.67 150.25 Td (the ) Tj ET Q q 0 0 0 rg BT 270.98 150.25 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 317.21 150.25 Td (ef) Tj ET Q q 0 0 0 rg BT 324.80 150.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 361.87 150.25 Td (extending ) Tj ET Q q 0 0 0 rg BT 403.40 150.25 Td (the ) Tj ET Q q 0 0 0 rg BT 417.70 150.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 453.68 150.25 Td (date ) Tj ET Q q 0 0 0 rg BT 472.42 150.25 Td (on ) Tj ET Q q 0 0 0 rg BT 484.52 150.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.82 150.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 539.24 150.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 138.25 Td (facility ) Tj ET Q q 0 0 0 rg BT 80.64 138.25 Td (from ) Tj ET Q q 0 0 0 rg BT 102.39 138.25 Td (October25, ) Tj ET Q q 0 0 0 rg BT 151.91 138.25 Td (2013 ) Tj ET Q q 0 0 0 rg BT 174.23 138.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.32 138.25 Td (November6, ) Tj ET Q q 0 0 0 rg BT 238.85 138.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.85 138.25 Td (. ) Tj ET Q q 0 0 0 rg BT 263.50 138.25 Td (The ) Tj ET Q q 0 0 0 rg BT 281.36 138.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 325.31 138.25 Td (was ) Tj ET Q q 0 0 0 rg BT 343.18 138.25 Td (also ) Tj ET Q q 0 0 0 rg BT 361.61 138.25 Td (amended ) Tj ET Q q 0 0 0 rg BT 400.02 138.25 Td (in ) Tj ET Q q 0 0 0 rg BT 410.11 138.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 432.43 138.25 Td (ef) Tj ET Q q 0 0 0 rg BT 440.01 138.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 477.31 138.25 Td (extending ) Tj ET Q q 0 0 0 rg BT 519.06 138.25 Td (the ) Tj ET Q q 0 0 0 rg BT 533.59 138.25 Td (term ) Tj ET Q q 0 0 0 rg BT 554.23 138.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 126.25 Td (December15, ) Tj ET Q q 0 0 0 rg BT 109.42 126.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.42 126.25 Td ( ) Tj ET Q q 0 0 0 rg BT 132.76 126.25 Td (at ) Tj ET Q q 0 0 0 rg BT 143.32 126.25 Td (which ) Tj ET Q q 0 0 0 rg BT 171.09 126.25 Td (time ) Tj ET Q q 0 0 0 rg BT 192.21 126.25 Td (the ) Tj ET Q q 0 0 0 rg BT 207.76 126.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 252.74 126.25 Td (matured. ) Tj ET Q q 0 0 0 rg BT 290.61 126.25 Td (At ) Tj ET Q q 0 0 0 rg BT 303.95 126.25 Td (December ) Tj ET Q q 0 0 0 rg BT 348.37 126.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 364.21 126.25 Td (2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.05 126.25 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.05 126.25 Td ( ) Tj ET Q q 0 0 0 rg BT 403.39 126.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 436.72 126.25 Td (was ) Tj ET Q q 0 0 0 rg BT 455.61 126.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 505.61 126.25 Td (on ) Tj ET Q q 0 0 0 rg BT 518.95 126.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.51 126.25 Td ($100.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 114.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 114.25 Td ( ) Tj ET Q q 0 0 0 rg BT 81.39 114.25 Td (revolving ) Tj ET Q q 0 0 0 rg BT 122.22 114.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 147.48 114.25 Td (facility) Tj ET Q q 0 0 0 rg BT 175.15 114.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 90.25 Td (Borrowings ) Tj ET Q q 0 0 0 rg BT 99.46 90.25 Td (under ) Tj ET Q q 0 0 0 rg BT 124.48 90.25 Td (the ) Tj ET Q q 0 0 0 rg BT 138.94 90.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 186.71 90.25 Td (are ) Tj ET Q q 0 0 0 rg BT 201.16 90.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 233.94 90.25 Td (by ) Tj ET Q q 0 0 0 rg BT 246.18 90.25 Td (pledges ) Tj ET Q q 0 0 0 rg BT 278.97 90.25 Td (of ) Tj ET Q q 0 0 0 rg BT 289.54 90.25 Td (and ) Tj ET Q q 0 0 0 rg BT 306.23 90.25 Td (first ) Tj ET Q q 0 0 0 rg BT 324.58 90.25 Td (priority ) Tj ET Q q 0 0 0 rg BT 356.81 90.25 Td (perfected ) Tj ET Q q 0 0 0 rg BT 396.25 90.25 Td (security ) Tj ET Q q 0 0 0 rg BT 430.15 90.25 Td (interests ) Tj ET Q q 0 0 0 rg BT 465.72 90.25 Td (in ) Tj ET Q q 0 0 0 rg BT 475.74 90.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.20 90.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 537.02 90.25 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 78.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.02 78.25 Td (in ) Tj ET Q q 0 0 0 rg BT 92.38 78.25 Td (its ) Tj ET Q q 0 0 0 rg BT 104.41 78.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 126.44 78.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 176.24 78.25 Td (and ) Tj ET Q q 0 0 0 rg BT 193.26 78.25 Td (contain ) Tj ET Q q 0 0 0 rg BT 225.28 78.25 Td (several ) Tj ET Q q 0 0 0 rg BT 256.18 78.25 Td (restrictive ) Tj ET Q q 0 0 0 rg BT 298.74 78.25 Td (covenants, ) Tj ET Q q 0 0 0 rg BT 343.81 78.25 Td (including ) Tj ET Q q 0 0 0 rg BT 384.17 78.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.97 78.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 452.08 78.25 Td (of ) Tj ET Q q 0 0 0 rg BT 463.00 78.25 Td (various ) Tj ET Q q 0 0 0 rg BT 495.02 78.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 524.26 78.25 Td (adequacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 66.25 Td (levels, ) Tj ET Q q 0 0 0 rg BT 78.32 66.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 100.25 66.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 130.52 66.25 Td (and ) Tj ET Q q 0 0 0 rg BT 147.46 66.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 197.72 66.25 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 224.93 66.25 Td (and ) Tj ET Q q 0 0 0 rg BT 241.87 66.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 271.56 66.25 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 318.49 66.25 Td (on ) Tj ET Q q 0 0 0 rg BT 330.99 66.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 372.37 66.25 Td (and ) Tj ET Q q 0 0 0 rg BT 389.30 66.25 Td (other ) Tj ET Q q 0 0 0 rg BT 412.34 66.25 Td (indebtedness. ) Tj ET Q q 0 0 0 rg BT 468.44 66.25 Td (At ) Tj ET Q q 0 0 0 rg BT 480.94 66.25 Td (December ) Tj ET Q q 0 0 0 rg BT 524.52 66.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 539.51 66.25 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 54.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.56 54.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 105.78 54.25 Td (was ) Tj ET Q q 0 0 0 rg BT 123.68 54.25 Td (in ) Tj ET Q q 0 0 0 rg BT 133.79 54.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 182.22 54.25 Td (with ) Tj ET Q q 0 0 0 rg BT 202.34 54.25 Td (all ) Tj ET Q q 0 0 0 rg BT 214.68 54.25 Td (such ) Tj ET Q q 0 0 0 rg BT 235.35 54.25 Td (covenants. ) Tj ET Q q 0 0 0 rg BT 280.00 54.25 Td (The ) Tj ET Q q 0 0 0 rg BT 297.89 54.25 Td (Revolving ) Tj ET Q q 0 0 0 rg BT 341.90 54.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 369.23 54.25 Td (Facility ) Tj ET Q q 0 0 0 rg BT 402.13 54.25 Td (and ) Tj ET Q q 0 0 0 rg BT 418.90 54.25 Td (the ) Tj ET Q q 0 0 0 rg BT 433.29 54.25 Td (T) Tj ET Q q 0 0 0 rg BT 438.70 54.25 Td (erm ) Tj ET Q q 0 0 0 rg BT 456.59 54.25 Td (Facility ) Tj ET Q q 0 0 0 rg BT 489.48 54.25 Td (are ) Tj ET Q q 0 0 0 rg BT 504.03 54.25 Td (available ) Tj ET Q q 0 0 0 rg BT 542.46 54.25 Td (to ) Tj ET Q q 0 0 0 rg BT 552.58 54.25 Td (be ) Tj ET Q endstream endobj 271 0 obj <> endobj 272 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (135) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (utilized, ) Tj ET Q q 0 0 0 rg BT 84.61 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 95.06 742.10 Td (needed, ) Tj ET Q q 0 0 0 rg BT 127.99 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.89 742.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 170.55 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 199.32 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 209.22 742.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 229.67 742.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 271.22 742.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 301.67 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 311.00 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.33 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 367.00 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 373.01 742.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 398.46 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.01 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.91 742.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 448.13 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 458.58 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 470.13 742.10 Td (interim ) Tj ET Q q 0 0 0 rg BT 501.13 742.10 Td (source ) Tj ET Q q 0 0 0 rg BT 529.35 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.80 742.10 Td (funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 730.10 Td (acquisitions, ) Tj ET Q q 0 0 0 rg BT 116.93 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 154.43 730.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 178.04 730.10 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 227.73 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 238.56 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 261.61 730.10 Td (general ) Tj ET Q q 0 0 0 rg BT 293.54 730.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 333.79 730.10 Td (purposes.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Short-term ) Tj ET Q q 0 0 0 rg BT 95.83 706.10 Td (Borr) Tj ET Q q 0 0 0 rg BT 114.35 706.10 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (Short-term ) Tj ET Q q 0 0 0 rg BT 95.02 685.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 142.26 685.10 Td (include ) Tj ET Q q 0 0 0 rg BT 173.39 685.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 212.84 685.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 231.20 685.10 Td (under ) Tj ET Q q 0 0 0 rg BT 255.66 685.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 300.66 685.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 347.89 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.02 685.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 393.46 685.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 417.38 685.10 Td (purchased. ) Tj ET Q q 0 0 0 rg BT 461.98 685.10 Td (These ) Tj ET Q q 0 0 0 rg BT 487.55 685.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 534.79 685.10 Td (totaled ) Tj ET Q q 0 0 0 rg BT 564.51 685.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td ($63.9 ) Tj ET Q q 0 0 0 rg BT 75.27 673.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.16 673.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.92 673.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.13 673.10 Td ($48.6 ) Tj ET Q q 0 0 0 rg BT 149.39 673.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.28 673.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.05 673.10 Td (at ) Tj ET Q q 0 0 0 rg BT 191.03 673.10 Td (December ) Tj ET Q q 0 0 0 rg BT 234.88 673.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 250.14 673.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 272.91 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.11 673.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 315.38 673.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 363.04 673.10 Td (. ) Tj ET Q q 0 0 0 rg BT 367.69 673.10 Td (At ) Tj ET Q q 0 0 0 rg BT 380.46 673.10 Td (December ) Tj ET Q q 0 0 0 rg BT 424.31 673.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 439.57 673.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 462.34 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.54 673.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 504.81 673.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 545.34 673.10 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.25 661.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 121.04 661.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 169.06 661.10 Td (represent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.19 661.10 Td ($58.9 ) Tj ET Q q 0 0 0 rg BT 233.17 661.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.07 661.10 Td ( ) Tj ET Q q 0 0 0 rg BT 264.55 661.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.47 661.10 Td ($48.6 ) Tj ET Q q 0 0 0 rg BT 306.46 661.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.35 661.10 Td (, ) Tj ET Q q 0 0 0 rg BT 340.33 661.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 387.99 661.10 Td (, ) Tj ET Q q 0 0 0 rg BT 392.98 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.79 661.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 442.93 661.10 Td (sweep ) Tj ET Q q 0 0 0 rg BT 470.41 661.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 507.88 661.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.14 661.10 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.13 649.10 Td (master ) Tj ET Q q 0 0 0 rg BT 99.15 649.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 144.81 649.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 192.70 649.10 Td (at ) Tj ET Q q 0 0 0 rg BT 202.27 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.84 649.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 245.03 649.10 Td (During ) Tj ET Q q 0 0 0 rg BT 275.71 649.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 300.57 649.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 342.92 649.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 386.93 649.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 434.83 649.10 Td (from ) Tj ET Q q 0 0 0 rg BT 456.63 649.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 482.31 649.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.11 649.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 531.46 649.10 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td ($180.0 ) Tj ET Q q 0 0 0 rg BT 79.68 637.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.57 637.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.75 637.10 Td (were ) Tj ET Q q 0 0 0 rg BT 132.35 637.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 151.75 637.10 Td (of) Tj ET Q q 0 0 0 rg BT 159.90 637.10 Td (f. ) Tj ET Q q 0 0 0 rg BT 167.75 637.10 Td (The ) Tj ET Q q 0 0 0 rg BT 185.47 637.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 226.54 637.10 Td (records ) Tj ET Q q 0 0 0 rg BT 258.14 637.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 298.08 637.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 316.93 637.10 Td (under ) Tj ET Q q 0 0 0 rg BT 341.88 637.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 387.36 637.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 435.07 637.10 Td (at ) Tj ET Q q 0 0 0 rg BT 444.47 637.10 Td (their ) Tj ET Q q 0 0 0 rg BT 464.97 637.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 488.26 637.10 Td (value ) Tj ET Q q 0 0 0 rg BT 512.09 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.71 637.10 Td (does ) Tj ET Q q 0 0 0 rg BT 549.22 637.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 625.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 75.58 625.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 114.68 625.10 Td (on ) Tj ET Q q 0 0 0 rg BT 127.67 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.87 625.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 198.63 625.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 245.50 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.82 625.10 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 302.31 625.10 Td ( ) Tj ET Q q 0 0 0 rg BT 304.64 625.10 Td (As ) Tj ET Q q 0 0 0 rg BT 318.74 625.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.06 625.10 Td (December ) Tj ET Q q 0 0 0 rg BT 374.13 625.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 389.62 625.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 415.10 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.31 625.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 472.18 625.10 Td (had ) Tj ET Q q 0 0 0 rg BT 489.61 625.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 524.25 625.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.70 613.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.97 613.10 Td (its ) Tj ET Q q 0 0 0 rg BT 101.92 613.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 141.07 613.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 177.99 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 188.27 613.10 Td (sweep ) Tj ET Q q 0 0 0 rg BT 215.75 613.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 253.23 613.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.06 613.10 Td ($88.2 ) Tj ET Q q 0 0 0 rg BT 289.06 613.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.95 613.10 Td (. ) Tj ET Q q 0 0 0 rg BT 322.95 613.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 364.88 613.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 399.03 613.10 Td (for ) Tj ET Q q 0 0 0 rg BT 413.18 613.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 452.34 613.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 489.26 613.10 Td (in ) Tj ET Q q 0 0 0 rg BT 499.53 613.10 Td (sweep ) Tj ET Q q 0 0 0 rg BT 527.02 613.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.37 601.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 111.96 601.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 160.45 601.10 Td (from ) Tj ET Q q 0 0 0 rg BT 182.82 601.10 Td (brokers ) Tj ET Q q 0 0 0 rg BT 215.75 601.10 Td (are ) Tj ET Q q 0 0 0 rg BT 230.89 601.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 278.25 601.10 Td (under ) Tj ET Q q 0 0 0 rg BT 303.96 601.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.11 601.10 Td (Company) Tj ET Q q 0 0 0 rg BT 360.77 601.10 Td (s ) Tj ET Q q 0 0 0 rg BT 367.60 601.10 Td (control ) Tj ET Q q 0 0 0 rg BT 398.86 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.23 601.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 446.94 601.10 Td (of ) Tj ET Q q 0 0 0 rg BT 458.21 601.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 478.93 601.10 Td (Government ) Tj ET Q q 0 0 0 rg BT 531.85 601.10 Td (agency) Tj ET Q q 0 0 0 rg BT 559.51 601.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 122.07 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.17 589.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 179.58 589.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 222.31 589.10 Td (These ) Tj ET Q q 0 0 0 rg BT 248.84 589.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 289.27 589.10 Td (are ) Tj ET Q q 0 0 0 rg BT 304.13 589.10 Td (included ) Tj ET Q q 0 0 0 rg BT 341.22 589.10 Td (in ) Tj ET Q q 0 0 0 rg BT 351.66 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.54 589.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 417.42 589.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 438.95 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.05 589.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 524.24 589.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 91.55 577.10 Td (as ) Tj ET Q q 0 0 0 rg BT 102.55 577.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 140.19 577.10 Td (on ) Tj ET Q q 0 0 0 rg BT 152.86 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.74 577.10 Td (Company) Tj ET Q q 0 0 0 rg BT 209.41 577.10 Td (s ) Tj ET Q q 0 0 0 rg BT 215.97 577.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 271.41 577.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 317.96 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.95 577.10 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 373.93 577.10 Td (The ) Tj ET Q q 0 0 0 rg BT 392.15 577.10 Td (following ) Tj ET Q q 0 0 0 rg BT 433.70 577.10 Td (is ) Tj ET Q q 0 0 0 rg BT 443.04 577.10 Td (a ) Tj ET Q q 0 0 0 rg BT 450.15 577.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 490.03 577.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.03 577.10 Td (these ) Tj ET Q q 0 0 0 rg BT 524.24 577.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 84.17 565.10 Td (as ) Tj ET Q q 0 0 0 rg BT 95.02 565.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.87 565.10 Td (December ) Tj ET Q q 0 0 0 rg BT 149.48 565.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 164.50 565.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 187.02 565.10 Td (disaggregated ) Tj ET Q q 0 0 0 rg BT 245.07 565.10 Td (by ) Tj ET Q q 0 0 0 rg BT 257.59 565.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 303.99 565.10 Td (category ) Tj ET Q q 0 0 0 rg BT 340.93 565.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.89 565.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 391.12 565.10 Td (, ) Tj ET Q q 0 0 0 rg BT 396.14 565.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.10 565.10 Td (reconciled ) Tj ET Q q 0 0 0 rg BT 457.26 565.10 Td (to ) Tj ET Q q 0 0 0 rg BT 467.56 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.29 565.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 531.48 565.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 553.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 101.09 553.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 120.26 553.10 Td (under ) Tj ET Q q 0 0 0 rg BT 145.53 553.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 191.34 553.10 Td (agreements:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 490.60 462.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 490.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 490.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 462.60 462.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 462.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 462.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 434.60 462.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 434.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 434.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 406.60 462.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 406.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 406.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 378.60 462.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 378.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 378.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 350.60 462.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 350.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 350.60 44.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 533.6 m 512.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 504.6 m 512.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 533.6 m 516.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 504.6 m 516.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 533.6 m 560.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 504.6 m 560.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 504.6 m 560.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 378.6 m 560.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 378.6 m 512.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 378.6 m 516.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 378.6 m 560.5 378.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 350.6 m 512.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 336.6 m 512.5 336.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 350.6 m 516.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 336.6 m 516.5 336.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 350.6 m 560.5 350.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 336.6 m 560.5 336.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 508.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.40 524.83 Td (Overnight) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.10 516.83 Td (Sweep) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.85 508.83 Td (Collateral) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 495.33 Td (Available-for-sale securities pledged) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 481.17 Td (U.S. Treasury) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 481.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.10 481.28 Td (26,315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 467.17 Td (Municipal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 541.65 467.28 Td (824) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 453.17 Td (Corporate notes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 439.17 Td (Financial issuers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.10 439.28 Td (11,884) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 425.17 Td (Mortgage-backed securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.10 425.28 Td (18,089) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 411.33 Td (Held-to-maturity securities pledged) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 397.17 Td (U.S. Government agencies) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.10 397.28 Td (29,448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 383.17 Td (Municipal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 534.15 383.28 Td (1,604) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 369.17 Td (Total collateral pledged) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 369.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.10 369.28 Td (88,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 355.17 Td (Excess collateral) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.10 355.28 Td (29,277) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 341.17 Td (Securities sold under repurchase agreements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 341.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.10 341.28 Td (58,887) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 316.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.83 316.10 Td (Borr) Tj ET Q q 0 0 0 rg BT 94.35 316.10 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.27 295.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 123.32 295.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.03 295.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 191.62 295.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.62 295.10 Td ( ) Tj ET Q q 0 0 0 rg BT 214.12 295.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 253.26 295.10 Td (a ) Tj ET Q q 0 0 0 rg BT 260.20 295.10 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 301.56 295.10 Td (promissory ) Tj ET Q q 0 0 0 rg BT 349.06 295.10 Td (note ) Tj ET Q q 0 0 0 rg BT 368.77 295.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 396.27 295.10 Td (by ) Tj ET Q q 0 0 0 rg BT 408.77 295.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.49 295.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 464.87 295.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.60 295.10 Td (August ) Tj ET Q q 0 0 0 rg BT 505.99 295.10 Td (2012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.99 295.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.49 295.10 Td (\("Fixed-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.19 283.10 Td (Promissory ) Tj ET Q q 0 0 0 rg BT 114.96 283.10 Td (Note"\) ) Tj ET Q q 0 0 0 rg BT 144.02 283.10 Td (related ) Tj ET Q q 0 0 0 rg BT 173.43 283.10 Td (to ) Tj ET Q q 0 0 0 rg BT 183.42 283.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.07 283.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 232.81 283.10 Td (by ) Tj ET Q q 0 0 0 rg BT 245.02 283.10 Td (an ) Tj ET Q q 0 0 0 rg BT 256.67 283.10 Td (of) Tj ET Q q 0 0 0 rg BT 264.82 283.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 282.01 283.10 Td (building ) Tj ET Q q 0 0 0 rg BT 317.56 283.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 346.42 283.10 Td (by ) Tj ET Q q 0 0 0 rg BT 358.63 283.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.06 283.10 Td (Company) Tj ET Q q 0 0 0 rg BT 411.29 283.10 Td (, ) Tj ET Q q 0 0 0 rg BT 416.00 283.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.65 283.10 Td (non-recourse ) Tj ET Q q 0 0 0 rg BT 487.06 283.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 510.37 283.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 537.58 283.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 283.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.51 271.10 Td (to ) Tj ET Q q 0 0 0 rg BT 99.91 271.10 Td (other ) Tj ET Q q 0 0 0 rg BT 122.08 271.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 147.03 271.10 Td (related ) Tj ET Q q 0 0 0 rg BT 175.85 271.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.25 271.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 214.07 271.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 242.34 271.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 269.98 271.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.60 271.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 339.31 271.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.31 271.10 Td (, ) Tj ET Q q 0 0 0 rg BT 363.43 271.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.27 271.10 Td (Fixed-rate ) Tj ET Q q 0 0 0 rg BT 419.98 271.10 Td (Promissory ) Tj ET Q q 0 0 0 rg BT 467.17 271.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 488.23 271.10 Td (had ) Tj ET Q q 0 0 0 rg BT 504.29 271.10 Td (an ) Tj ET Q q 0 0 0 rg BT 515.35 271.10 Td (outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 259.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.92 259.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.64 259.10 Td ($18.3 ) Tj ET Q q 0 0 0 rg BT 118.52 259.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.41 259.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.80 259.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 191.61 259.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.78 259.10 Td ($18.8 ) Tj ET Q q 0 0 0 rg BT 226.66 259.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.55 259.10 Td ( ) Tj ET Q q 0 0 0 rg BT 257.94 259.10 Td (at ) Tj ET Q q 0 0 0 rg BT 267.54 259.10 Td (December ) Tj ET Q q 0 0 0 rg BT 311.02 259.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 325.90 259.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 350.79 259.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 378.17 259.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.77 259.10 Td (Fixed-rate ) Tj ET Q q 0 0 0 rg BT 436.25 259.10 Td (Promissory ) Tj ET Q q 0 0 0 rg BT 484.20 259.10 Td (Note, ) Tj ET Q q 0 0 0 rg BT 508.52 259.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 259.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 247.10 Td (will ) Tj ET Q q 0 0 0 rg BT 69.84 247.10 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.78 247.10 Td (monthly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.11 247.10 Td ( ) Tj ET Q q 0 0 0 rg BT 133.40 247.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 173.22 247.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 215.83 247.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.55 247.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 253.28 247.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 286.99 247.10 Td (at ) Tj ET Q q 0 0 0 rg BT 298.49 247.10 Td (a ) Tj ET Q q 0 0 0 rg BT 307.22 247.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 332.05 247.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 351.32 247.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.93 247.10 Td (3.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.76 247.10 Td ( ) Tj ET Q q 0 0 0 rg BT 394.04 247.10 Td (until ) Tj ET Q q 0 0 0 rg BT 416.66 247.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 454.83 247.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.11 247.10 Td (September1, ) Tj ET Q q 0 0 0 rg BT 526.16 247.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.16 247.10 Td (. ) Tj ET Q q 0 0 0 rg BT 552.00 247.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 235.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 235.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 235.10 Td (, ) Tj ET Q q 0 0 0 rg BT 133.58 235.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.30 235.10 Td (non-recourse ) Tj ET Q q 0 0 0 rg BT 203.00 235.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 226.61 235.10 Td (related ) Tj ET Q q 0 0 0 rg BT 256.31 235.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.59 235.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 296.29 235.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 325.44 235.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 351.82 235.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.53 235.10 Td ($732,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.03 235.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (Junior ) Tj ET Q q 0 0 0 rg BT 78.05 214.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 132.76 214.10 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 179.14 214.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 203.30 214.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 231.35 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 244.41 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.68 214.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 301.62 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 312.45 214.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 359.38 214.10 Td (with ) Tj ET Q q 0 0 0 rg BT 380.21 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.48 214.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 432.41 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.80 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.85 214.10 Td (TEU's ) Tj ET Q q 0 0 0 rg BT 487.04 214.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.87 214.10 Td (December ) Tj ET Q q 0 0 0 rg BT 542.01 214.10 Td (2010) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.79 202.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 91.38 202.10 Td (of) Tj ET Q q 0 0 0 rg BT 99.53 202.10 Td (f ) Tj ET Q q 0 0 0 rg BT 105.22 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.37 202.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 139.71 202.10 Td (At ) Tj ET Q q 0 0 0 rg BT 152.08 202.10 Td (issuance, ) Tj ET Q q 0 0 0 rg BT 190.82 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.40 202.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 231.65 202.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 285.67 202.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 309.15 202.10 Td (were ) Tj ET Q q 0 0 0 rg BT 330.94 202.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 368.28 202.10 Td (at ) Tj ET Q q 0 0 0 rg BT 377.87 202.10 Td (their ) Tj ET Q q 0 0 0 rg BT 398.56 202.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 424.25 202.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 462.16 202.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 495.06 202.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.75 202.10 Td ($44.7 ) Tj ET Q q 0 0 0 rg BT 530.62 202.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 202.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (net ) Tj ET Q q 0 0 0 rg BT 64.46 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 75.03 190.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 111.15 190.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 135.73 190.10 Td (These ) Tj ET Q q 0 0 0 rg BT 161.84 190.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 185.19 190.10 Td (had ) Tj ET Q q 0 0 0 rg BT 201.87 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 208.55 190.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 234.12 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 265.79 190.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 283.02 190.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.59 190.10 Td (9.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.42 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 316.66 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.34 190.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.90 190.10 Td (quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.99 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 407.24 190.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 445.02 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.70 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 493.37 190.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 533.94 190.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.51 190.10 Td ($4.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 178.10 Td (, ) Tj ET Q q 0 0 0 rg BT 84.46 178.10 Td (with ) Tj ET Q q 0 0 0 rg BT 105.30 178.10 Td (an ) Tj ET Q q 0 0 0 rg BT 117.80 178.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 144.20 178.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 181.70 178.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.09 178.10 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 213.66 178.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.55 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.62 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 263.68 178.10 Td (was ) Tj ET Q q 0 0 0 rg BT 282.29 178.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 302.58 178.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.64 178.10 Td (March15, ) Tj ET Q q 0 0 0 rg BT 359.81 178.10 Td (201) Tj ET Q q 0 0 0 rg BT 374.44 178.10 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.44 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 384.78 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 403.39 178.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 440.33 178.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 463.40 178.10 Td (were ) Tj ET Q q 0 0 0 rg BT 485.89 178.10 Td (being ) Tj ET Q q 0 0 0 rg BT 511.18 178.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 554.22 178.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 83.26 166.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 119.30 166.10 Td (using ) Tj ET Q q 0 0 0 rg BT 144.80 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.85 166.10 Td (ef) Tj ET Q q 0 0 0 rg BT 168.44 166.10 Td (fective-interest ) Tj ET Q q 0 0 0 rg BT 232.23 166.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 268.28 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 287.66 166.10 Td (final ) Tj ET Q q 0 0 0 rg BT 309.81 166.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 358.08 166.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 396.34 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 410.17 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.22 166.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 451.16 166.10 Td (was ) Tj ET Q q 0 0 0 rg BT 470.54 166.10 Td (made ) Tj ET Q q 0 0 0 rg BT 496.03 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 508.19 166.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 552.00 166.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 108.58 154.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 154.10 Td (. ) Tj ET Q q 0 0 0 rg BT 133.58 154.10 Td (See ) Tj ET Q q 0 0 0 rg BT 150.52 154.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 172.46 154.10 Td (22 ) Tj ET Q q 0 0 0 rg BT 184.96 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.46 154.10 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 252.26 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 254.76 154.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 283.92 154.10 Td (for ) Tj ET Q q 0 0 0 rg BT 298.08 154.10 Td (further ) Tj ET Q q 0 0 0 rg BT 327.79 154.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 371.96 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.79 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.32 154.10 Td (TEUs.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (Secur) Tj ET Q q 0 0 0 rg BT 72.40 130.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 84.34 130.10 Td (Borr) Tj ET Q q 0 0 0 rg BT 102.86 130.10 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 109.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.52 109.10 Td (December ) Tj ET Q q 0 0 0 rg BT 103.80 109.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 128.50 109.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.91 109.10 Td (Company) Tj ET Q q 0 0 0 rg BT 181.15 109.10 Td (, ) Tj ET Q q 0 0 0 rg BT 185.84 109.10 Td (through ) Tj ET Q q 0 0 0 rg BT 219.15 109.10 Td (its ) Tj ET Q q 0 0 0 rg BT 230.79 109.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 271.25 109.10 Td (, ) Tj ET Q q 0 0 0 rg BT 275.94 109.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 299.26 109.10 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 333.94 109.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 352.81 109.10 Td (an ) Tj ET Q q 0 0 0 rg BT 364.44 109.10 Td (undivided ) Tj ET Q q 0 0 0 rg BT 406.63 109.10 Td (co-ownership ) Tj ET Q q 0 0 0 rg BT 463.25 109.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 494.88 109.10 Td (in ) Tj ET Q q 0 0 0 rg BT 504.85 109.10 Td (all ) Tj ET Q q 0 0 0 rg BT 517.04 109.10 Td (receivables ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 97.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 74.30 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 84.72 97.10 Td (FIFC ) Tj ET Q q 0 0 0 rg BT 108.49 97.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 141.11 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.53 97.10 Td (an ) Tj ET Q q 0 0 0 rg BT 163.61 97.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 203.46 97.10 Td (third ) Tj ET Q q 0 0 0 rg BT 224.99 97.10 Td (party ) Tj ET Q q 0 0 0 rg BT 248.17 97.10 Td (in ) Tj ET Q q 0 0 0 rg BT 258.59 97.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 298.99 97.10 Td (for ) Tj ET Q q 0 0 0 rg BT 313.29 97.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.37 97.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 340.78 97.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 377.86 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.83 97.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.23 97.10 Td (C$150 ) Tj ET Q q 0 0 0 rg BT 478.54 97.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.43 97.10 Td ( ) Tj ET Q q 0 0 0 rg BT 510.07 97.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 547.15 97.10 Td (to ) Tj ET Q q 0 0 0 rg BT 557.57 97.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 85.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 98.38 85.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 137.33 85.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 182.38 85.10 Td (\(Receivables ) Tj ET Q q 0 0 0 rg BT 241.87 85.10 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 280.63 85.10 Td (Agreement\). ) Tj ET Q q 0 0 0 rg BT 338.48 85.10 Td (The ) Tj ET Q q 0 0 0 rg BT 357.44 85.10 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 409.16 85.10 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 447.92 85.10 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 495.75 85.10 Td (was ) Tj ET Q q 0 0 0 rg BT 514.71 85.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 554.22 85.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 73.10 Td (December ) Tj ET Q q 0 0 0 rg BT 94.23 73.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 119.88 73.10 Td (ef) Tj ET Q q 0 0 0 rg BT 127.47 73.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 165.59 73.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 208.17 73.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.54 73.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 260.57 73.10 Td (date ) Tj ET Q q 0 0 0 rg BT 280.37 73.10 Td (from ) Tj ET Q q 0 0 0 rg BT 302.95 73.10 Td (December ) Tj ET Q q 0 0 0 rg BT 347.19 73.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 362.83 73.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 385.98 73.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.90 73.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 456.14 73.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.14 73.10 Td (. ) Tj ET Q q 0 0 0 rg BT 481.09 73.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 530.99 73.10 Td (, ) Tj ET Q q 0 0 0 rg BT 536.64 73.10 Td (at ) Tj ET Q q 0 0 0 rg BT 547.00 73.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 73.60 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.14 61.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 129.67 61.10 Td (third ) Tj ET Q q 0 0 0 rg BT 151.88 61.10 Td (party ) Tj ET Q q 0 0 0 rg BT 175.75 61.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 196.29 61.10 Td (an ) Tj ET Q q 0 0 0 rg BT 209.06 61.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.37 61.10 Td (C$10 ) Tj ET Q q 0 0 0 rg BT 277.37 61.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.26 61.10 Td (, ) Tj ET Q q 0 0 0 rg BT 312.08 61.10 Td (which ) Tj ET Q q 0 0 0 rg BT 339.85 61.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 380.93 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.47 61.10 Td (total ) Tj ET Q q 0 0 0 rg BT 417.57 61.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 459.22 61.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.32 61.10 Td (C$160 ) Tj ET Q q 0 0 0 rg BT 500.32 61.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.21 61.10 Td (. ) Tj ET Q q 0 0 0 rg BT 535.03 61.10 Td ( ) Tj ET Q q 0 0 0 rg BT 538.12 61.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 49.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 101.20 49.10 Td (were ) Tj ET Q q 0 0 0 rg BT 124.06 49.10 Td (not ) Tj ET Q q 0 0 0 rg BT 140.27 49.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 187.01 49.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 209.88 49.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.64 49.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 270.05 49.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 290.42 49.10 Td (as ) Tj ET Q q 0 0 0 rg BT 302.18 49.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 326.44 49.10 Td (related ) Tj ET Q q 0 0 0 rg BT 357.07 49.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 396.04 49.10 Td (received ) Tj ET Q q 0 0 0 rg BT 433.34 49.10 Td (are ) Tj ET Q q 0 0 0 rg BT 448.98 49.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 487.38 49.10 Td (on ) Tj ET Q q 0 0 0 rg BT 500.81 49.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.46 49.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 49.10 Td (s ) Tj ET Q endstream endobj 273 0 obj <> endobj 274 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (136) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 105.27 742.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 151.64 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.47 742.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 204.97 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 215.79 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 222.72 742.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 255.75 742.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 299.91 742.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 324.06 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.34 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.05 742.10 Td (unrelated ) Tj ET Q q 0 0 0 rg BT 388.74 742.10 Td (third ) Tj ET Q q 0 0 0 rg BT 410.12 742.10 Td (party ) Tj ET Q q 0 0 0 rg BT 433.17 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.10 742.10 Td (translated ) Tj ET Q q 0 0 0 rg BT 491.46 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 501.74 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.11 742.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 88.63 730.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 125.57 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 135.88 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.18 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.37 730.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 202.87 730.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 223.56 730.10 Td (At ) Tj ET Q q 0 0 0 rg BT 235.53 730.10 Td (December ) Tj ET Q q 0 0 0 rg BT 278.59 730.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 293.06 730.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 317.53 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.72 730.10 Td (translated ) Tj ET Q q 0 0 0 rg BT 372.56 730.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 405.07 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.37 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.56 730.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 462.07 730.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 505.70 730.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.88 730.10 Td ($1) Tj ET Q q 0 0 0 rg BT 544.51 730.10 Td (15.6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.30 718.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 121.14 718.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.33 718.10 Td ($129.1 ) Tj ET Q q 0 0 0 rg BT 159.24 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.13 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 189.54 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 198.17 718.10 Td (December ) Tj ET Q q 0 0 0 rg BT 240.66 718.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 254.58 718.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 278.17 718.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 328.08 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.99 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.62 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 376.46 718.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 392.86 718.10 Td (under ) Tj ET Q q 0 0 0 rg BT 417.04 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.67 718.10 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 480.39 718.10 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 517.58 718.10 Td (Agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 706.10 Td (December ) Tj ET Q q 0 0 0 rg BT 103.30 706.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 118.30 706.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 140.80 706.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.85 706.10 Td (1.4452%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.68 706.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (\(14\) Junior) Tj ET Q q 0 0 0 rg BT 97.32 682.10 Td ( Subordinated Debentur) Tj ET Q q 0 0 0 rg BT 201.04 682.10 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.69 661.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.60 661.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 130.27 661.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.27 661.10 Td (, ) Tj ET Q q 0 0 0 rg BT 154.35 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.14 661.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 208.61 661.10 Td (owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.85 661.10 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.18 661.10 Td ( ) Tj ET Q q 0 0 0 rg BT 261.76 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.67 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.46 661.10 Td (common ) Tj ET Q q 0 0 0 rg BT 322.04 661.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 361.38 661.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.29 661.10 Td (eleven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.39 661.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.96 661.10 Td (trusts, ) Tj ET Q q 0 0 0 rg BT 424.60 661.10 Td (W) Tj ET Q q 0 0 0 rg BT 433.64 661.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 460.77 661.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 491.12 661.10 Td (T) Tj ET Q q 0 0 0 rg BT 496.88 661.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 513.46 661.10 Td (III, ) Tj ET Q q 0 0 0 rg BT 527.41 661.10 Td (W) Tj ET Q q 0 0 0 rg BT 536.45 661.10 Td (intrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 88.86 649.10 Td (T) Tj ET Q q 0 0 0 rg BT 94.62 649.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 111.98 649.10 Td (IV) Tj ET Q q 0 0 0 rg BT 121.25 649.10 Td (, ) Tj ET Q q 0 0 0 rg BT 125.94 649.10 Td (W) Tj ET Q q 0 0 0 rg BT 134.98 649.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 162.90 649.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 201.76 649.10 Td (T) Tj ET Q q 0 0 0 rg BT 207.52 649.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 224.71 649.10 Td (V) Tj ET Q q 0 0 0 rg BT 230.64 649.10 Td (, ) Tj ET Q q 0 0 0 rg BT 235.34 649.10 Td (W) Tj ET Q q 0 0 0 rg BT 244.38 649.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 272.30 649.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 303.38 649.10 Td (T) Tj ET Q q 0 0 0 rg BT 309.13 649.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 326.33 649.10 Td (VII, ) Tj ET Q q 0 0 0 rg BT 344.90 649.10 Td (W) Tj ET Q q 0 0 0 rg BT 353.94 649.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 381.87 649.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 412.94 649.10 Td (T) Tj ET Q q 0 0 0 rg BT 418.70 649.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 435.89 649.10 Td (VIII, ) Tj ET Q q 0 0 0 rg BT 457.80 649.10 Td (W) Tj ET Q q 0 0 0 rg BT 466.84 649.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 494.76 649.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 525.84 649.10 Td (T) Tj ET Q q 0 0 0 rg BT 531.59 649.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 548.96 649.10 Td (IX, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (Northview ) Tj ET Q q 0 0 0 rg BT 95.53 637.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 126.97 637.10 Td (T) Tj ET Q q 0 0 0 rg BT 132.72 637.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 150.48 637.10 Td (I, ) Tj ET Q q 0 0 0 rg BT 158.87 637.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.28 637.10 Td (own ) Tj ET Q q 0 0 0 rg BT 184.26 637.10 Td (Bankshares ) Tj ET Q q 0 0 0 rg BT 233.12 637.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 264.56 637.10 Td (T) Tj ET Q q 0 0 0 rg BT 270.31 637.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 288.07 637.10 Td (I, ) Tj ET Q q 0 0 0 rg BT 296.66 637.10 Td (First ) Tj ET Q q 0 0 0 rg BT 317.76 637.10 Td (Northwest ) Tj ET Q q 0 0 0 rg BT 362.17 637.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 393.61 637.10 Td (T) Tj ET Q q 0 0 0 rg BT 399.37 637.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 417.13 637.10 Td (I, ) Tj ET Q q 0 0 0 rg BT 425.72 637.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 466.80 637.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 497.90 637.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 529.34 637.10 Td (T) Tj ET Q q 0 0 0 rg BT 535.09 637.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 552.85 637.10 Td (II, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.97 625.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 117.28 625.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 157.03 625.10 Td (Shares ) Tj ET Q q 0 0 0 rg BT 186.22 625.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 225.23 625.10 Td (T) Tj ET Q q 0 0 0 rg BT 230.99 625.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 248.52 625.10 Td (II ) Tj ET Q q 0 0 0 rg BT 257.71 625.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 275.79 625.10 Td (T) Tj ET Q q 0 0 0 rg BT 285.98 625.10 Td (rusts\) ) Tj ET Q q 0 0 0 rg BT 315.17 625.10 Td (set ) Tj ET Q q 0 0 0 rg BT 328.81 625.10 Td (up ) Tj ET Q q 0 0 0 rg BT 341.34 625.10 Td (to ) Tj ET Q q 0 0 0 rg BT 351.65 625.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 384.73 625.10 Td (long- ) Tj ET Q q 0 0 0 rg BT 408.37 625.10 Td (term ) Tj ET Q q 0 0 0 rg BT 429.22 625.10 Td (financing. ) Tj ET Q q 0 0 0 rg BT 471.83 625.10 Td (The ) Tj ET Q q 0 0 0 rg BT 489.91 625.10 Td (Northview) Tj ET Q q 0 0 0 rg BT 532.03 625.10 Td (, ) Tj ET Q q 0 0 0 rg BT 536.88 625.10 Td (T) Tj ET Q q 0 0 0 rg BT 542.29 625.10 Td (own, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (First ) Tj ET Q q 0 0 0 rg BT 70.67 613.10 Td (Northwest, ) Tj ET Q q 0 0 0 rg BT 117.16 613.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 157.82 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.59 613.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 224.70 613.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 264.25 613.10 Td (Shares ) Tj ET Q q 0 0 0 rg BT 293.24 613.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 322.22 613.10 Td (trusts ) Tj ET Q q 0 0 0 rg BT 346.22 613.10 Td (were ) Tj ET Q q 0 0 0 rg BT 367.98 613.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 404.73 613.10 Td (as ) Tj ET Q q 0 0 0 rg BT 415.39 613.10 Td (part ) Tj ET Q q 0 0 0 rg BT 433.27 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.93 613.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.48 613.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 508.58 613.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.24 613.10 Td (Northview ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 601.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.48 601.10 Td (Corporation, ) Tj ET Q q 0 0 0 rg BT 142.41 601.10 Td (T) Tj ET Q q 0 0 0 rg BT 147.82 601.10 Td (own ) Tj ET Q q 0 0 0 rg BT 167.31 601.10 Td (Bankshares, ) Tj ET Q q 0 0 0 rg BT 218.18 601.10 Td (Ltd., ) Tj ET Q q 0 0 0 rg BT 239.33 601.10 Td (First ) Tj ET Q q 0 0 0 rg BT 259.94 601.10 Td (Northwest ) Tj ET Q q 0 0 0 rg BT 303.87 601.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 342.51 601.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 362.55 601.10 Td (Suburban ) Tj ET Q q 0 0 0 rg BT 403.15 601.10 Td (and ) Tj ET Q q 0 0 0 rg BT 419.85 601.10 Td (CFIS, ) Tj ET Q q 0 0 0 rg BT 445.74 601.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 493.41 601.10 Td (. ) Tj ET Q q 0 0 0 rg BT 498.01 601.10 Td (The ) Tj ET Q q 0 0 0 rg BT 515.66 601.10 Td (T) Tj ET Q q 0 0 0 rg BT 521.42 601.10 Td (rusts ) Tj ET Q q 0 0 0 rg BT 542.58 601.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 589.10 Td (formed ) Tj ET Q q 0 0 0 rg BT 81.53 589.10 Td (for ) Tj ET Q q 0 0 0 rg BT 95.84 589.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 134.04 589.10 Td (of ) Tj ET Q q 0 0 0 rg BT 145.02 589.10 Td (issuing ) Tj ET Q q 0 0 0 rg BT 176.01 589.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 196.44 589.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 235.73 589.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 276.14 589.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.57 589.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 331.98 589.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 370.74 589.10 Td (and ) Tj ET Q q 0 0 0 rg BT 387.83 589.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 427.15 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.01 589.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 480.20 589.10 Td (from ) Tj ET Q q 0 0 0 rg BT 502.29 589.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.16 589.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 553.68 589.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.43 577.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 84.43 577.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 123.28 577.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 163.26 577.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.92 577.10 Td (common ) Tj ET Q q 0 0 0 rg BT 217.13 577.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 257.11 577.10 Td (solely ) Tj ET Q q 0 0 0 rg BT 283.21 577.10 Td (in ) Tj ET Q q 0 0 0 rg BT 293.21 577.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 319.31 577.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 373.18 577.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 418.72 577.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 445.93 577.10 Td (by ) Tj ET Q q 0 0 0 rg BT 458.15 577.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.58 577.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 513.69 577.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 527.56 577.10 Td (assumed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.83 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.88 565.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 119.60 565.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.21 565.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 176.91 565.10 Td (with ) Tj ET Q q 0 0 0 rg BT 197.52 565.10 Td (an ) Tj ET Q q 0 0 0 rg BT 209.79 565.10 Td (acquisition\), ) Tj ET Q q 0 0 0 rg BT 262.34 565.10 Td (with ) Tj ET Q q 0 0 0 rg BT 282.95 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.00 565.10 Td (same ) Tj ET Q q 0 0 0 rg BT 321.38 565.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 364.20 565.10 Td (and ) Tj ET Q q 0 0 0 rg BT 381.47 565.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 413.74 565.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 435.44 565.10 Td (as ) Tj ET Q q 0 0 0 rg BT 446.61 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.66 565.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 482.27 565.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 521.73 565.10 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.61 553.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 93.55 553.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 147.27 553.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 192.64 553.10 Td (are ) Tj ET Q q 0 0 0 rg BT 206.91 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.19 553.10 Td (sole ) Tj ET Q q 0 0 0 rg BT 239.35 553.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 264.74 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.13 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.26 553.10 Td (T) Tj ET Q q 0 0 0 rg BT 295.02 553.10 Td (rusts. ) Tj ET Q q 0 0 0 rg BT 318.47 553.10 Td (In ) Tj ET Q q 0 0 0 rg BT 328.86 553.10 Td (each ) Tj ET Q q 0 0 0 rg BT 349.08 553.10 Td (T) Tj ET Q q 0 0 0 rg BT 354.84 553.10 Td (rust, ) Tj ET Q q 0 0 0 rg BT 374.40 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.68 553.10 Td (common ) Tj ET Q q 0 0 0 rg BT 425.73 553.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 465.55 553.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 504.26 553.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.33 541.10 Td ( ) Tj ET Q q 0 0 0 rg BT 65.19 541.10 Td (of ) Tj ET Q q 0 0 0 rg BT 75.38 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.46 541.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 115.20 541.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 168.72 541.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 213.89 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.19 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.26 541.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 263.90 541.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 302.40 541.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 342.02 541.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 380.53 541.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.14 541.10 Td (97%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.47 541.10 Td ( ) Tj ET Q q 0 0 0 rg BT 460.33 541.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.52 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.60 541.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 510.34 541.10 Td (subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (debentures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.23 508.10 Td (T) Tj ET Q q 0 0 0 rg BT 73.99 508.10 Td (rusts ) Tj ET Q q 0 0 0 rg BT 95.78 508.10 Td (are ) Tj ET Q q 0 0 0 rg BT 110.88 508.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 147.09 508.10 Td (in ) Tj ET Q q 0 0 0 rg BT 157.76 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.88 508.10 Td (Company) Tj ET Q q 0 0 0 rg BT 214.54 508.10 Td (s ) Tj ET Q q 0 0 0 rg BT 221.33 508.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 274.77 508.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.64 508.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 357.75 508.10 Td (as ) Tj ET Q q 0 0 0 rg BT 368.98 508.10 Td (unconsolidated ) Tj ET Q q 0 0 0 rg BT 432.41 508.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 484.39 508.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 533.72 508.10 Td (, ) Tj ET Q q 0 0 0 rg BT 539.12 508.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 508.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 105.66 496.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 152.43 496.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.64 496.10 Td (Condition, ) Tj ET Q q 0 0 0 rg BT 209.03 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.14 496.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 250.91 496.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 305.45 496.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 351.65 496.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 379.54 496.10 Td (by ) Tj ET Q q 0 0 0 rg BT 392.42 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.52 496.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 449.30 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.96 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.85 496.10 Td (T) Tj ET Q q 0 0 0 rg BT 480.61 496.10 Td (rusts ) Tj ET Q q 0 0 0 rg BT 502.39 496.10 Td (are ) Tj ET Q q 0 0 0 rg BT 517.48 496.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 553.68 496.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 90.33 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.88 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.21 484.10 Td (common ) Tj ET Q q 0 0 0 rg BT 161.32 484.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 202.19 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.64 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.74 484.10 Td (T) Tj ET Q q 0 0 0 rg BT 234.50 484.10 Td (rusts, ) Tj ET Q q 0 0 0 rg BT 259.00 484.10 Td (all ) Tj ET Q q 0 0 0 rg BT 272.11 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.55 484.10 Td (which ) Tj ET Q q 0 0 0 rg BT 311.11 484.10 Td (are ) Tj ET Q q 0 0 0 rg BT 326.43 484.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 356.20 484.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.31 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.64 484.10 Td (Company) Tj ET Q q 0 0 0 rg BT 422.88 484.10 Td (, ) Tj ET Q q 0 0 0 rg BT 428.49 484.10 Td (are ) Tj ET Q q 0 0 0 rg BT 443.81 484.10 Td (included ) Tj ET Q q 0 0 0 rg BT 481.36 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 492.25 484.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 543.13 484.10 Td (-sale ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.33 451.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.01 451.10 Td (table ) Tj ET Q q 0 0 0 rg BT 132.23 451.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 169.46 451.10 Td (a ) Tj ET Q q 0 0 0 rg BT 176.68 451.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 216.69 451.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.81 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.81 451.10 Td (Company) Tj ET Q q 0 0 0 rg BT 284.48 451.10 Td (s ) Tj ET Q q 0 0 0 rg BT 291.16 451.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 317.83 451.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 372.28 451.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 418.38 451.10 Td (as ) Tj ET Q q 0 0 0 rg BT 429.50 451.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.62 451.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 499.49 451.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.49 451.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.28 451.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 451.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 451.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 439.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 94.43 439.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 148.59 439.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 194.40 439.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 233.55 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.27 439.10 Td (par ) Tj ET Q q 0 0 0 rg BT 263.54 439.10 Td (value ) Tj ET Q q 0 0 0 rg BT 287.69 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.52 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.24 439.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 360.18 439.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 384.34 439.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.62 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.16 439.10 Td (T) Tj ET Q q 0 0 0 rg BT 414.91 439.10 Td (rusts.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 428.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 379.80 114.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 379.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 379.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 379.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 379.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 379.80 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 379.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 379.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 379.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 379.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 379.80 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 353.80 114.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 353.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 353.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 353.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 353.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 353.80 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 353.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 353.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 353.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 353.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 353.80 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 327.80 114.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 327.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 327.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 327.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 327.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 327.80 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 327.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 327.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 327.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 327.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 327.80 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 301.80 114.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 301.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 301.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 301.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 301.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 301.80 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 301.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 301.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 301.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 301.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 301.80 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 275.80 114.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 275.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 275.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 275.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 275.80 43.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 275.80 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 275.80 40.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 275.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 275.80 37.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 275.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 275.80 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 249.80 114.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 164.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 168.50 249.80 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 208.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 212.50 249.80 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 256.50 249.80 43.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.50 249.80 43.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 249.80 36.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 249.80 40.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 249.80 37.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 249.80 37.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 249.80 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 249.80 44.00 -21.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 417.79999999999995 m 164.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 417.79999999999995 m 168.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 417.79999999999995 m 208.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 417.79999999999995 m 212.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 417.79999999999995 m 252.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 417.79999999999995 m 256.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 417.79999999999995 m 299.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 391.79999999999995 m 299.5 391.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 417.79999999999995 m 303.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 391.79999999999995 m 303.5 391.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 417.79999999999995 m 346.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 391.79999999999995 m 346.5 391.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 417.79999999999995 m 350.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 417.79999999999995 m 386.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 417.79999999999995 m 390.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 417.79999999999995 m 430.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 417.79999999999995 m 434.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 417.79999999999995 m 471.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 417.79999999999995 m 475.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 417.79999999999995 m 512.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 417.79999999999995 m 516.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 417.79999999999995 m 560.5 417.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 379.79999999999995 m 164.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 379.79999999999995 m 168.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 379.79999999999995 m 208.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 379.79999999999995 m 212.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 379.79999999999995 m 252.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 379.79999999999995 m 256.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 379.79999999999995 m 299.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 379.79999999999995 m 303.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 379.79999999999995 m 346.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 379.79999999999995 m 350.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 379.79999999999995 m 386.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 379.79999999999995 m 390.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 379.79999999999995 m 430.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 379.79999999999995 m 434.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 379.79999999999995 m 471.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 379.79999999999995 m 475.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 379.79999999999995 m 512.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 379.79999999999995 m 516.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 379.79999999999995 m 560.5 379.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 228.79999999999995 m 164.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 228.79999999999995 m 168.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 228.79999999999995 m 208.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 228.79999999999995 m 212.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 228.79999999999995 m 252.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 228.79999999999995 m 256.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 228.79999999999995 m 299.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 228.79999999999995 m 303.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 228.79999999999995 m 346.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 228.79999999999995 m 350.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 228.79999999999995 m 386.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 228.79999999999995 m 390.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 228.79999999999995 m 430.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 228.79999999999995 m 434.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 228.79999999999995 m 471.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 228.79999999999995 m 475.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 228.79999999999995 m 512.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 228.79999999999995 m 516.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 228.79999999999995 m 560.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 215.79999999999995 m 164.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 164.5 215.79999999999995 m 168.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 168.5 215.79999999999995 m 208.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 208.5 215.79999999999995 m 212.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 212.5 215.79999999999995 m 252.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 215.79999999999995 m 256.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 256.5 215.79999999999995 m 299.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 215.79999999999995 m 303.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 228.79999999999995 m 346.5 228.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 215.79999999999995 m 346.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 215.79999999999995 m 350.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.5 215.79999999999995 m 386.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 215.79999999999995 m 390.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 215.79999999999995 m 430.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 215.79999999999995 m 434.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 215.79999999999995 m 471.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 215.79999999999995 m 475.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 215.79999999999995 m 512.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 215.79999999999995 m 516.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 215.79999999999995 m 560.5 215.79999999999995 l s BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 395.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 174.95 390.85 Td (Common) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 174.15 383.85 Td (Securities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 224.70 397.85 Td (Trust) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 218.95 390.85 Td (Preferred) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 218.15 383.85 Td (Securities) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 291.10 409.86 Td (Junior) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 280.55 402.86 Td (Subordinated) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 283.95 395.86 Td (Debentur) Tj ET Q q 0 0 0 rg BT 312.21 395.86 Td (es) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 361.55 390.85 Td (Rate) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 355.15 383.85 Td (Structure) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 393.65 397.85 Td (Contractual) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 401.35 390.85 Td (rate at) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 394.05 383.85 Td (12/31/2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.25 390.85 Td (Maturity) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 486.85 383.85 Td (Date) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 527.30 397.85 Td (Earliest) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 520.85 390.85 Td (Redemption) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.35 383.85 Td (Date) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 383.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 270.50 383.86 Td (2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 317.50 383.85 Td (2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 437.80 383.85 Td (Issue Date) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 371.75 Td (Wintrust Capital Trust III) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 371.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.25 371.05 Td (774) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.00 371.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.25 371.05 Td (25,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.00 371.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.25 371.03 Td (25,774) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.00 371.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 371.05 Td (25,774) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 371.05 Td (L+3.25) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 371.05 Td (3.57) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.30 371.05 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 371.05 Td (04/2003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 371.05 Td (04/2033) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 371.05 Td (04/2008) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 358.75 Td (Wintrust Statutory Trust IV) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.25 358.05 Td (619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.25 358.05 Td (20,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.25 358.03 Td (20,619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 358.05 Td (20,619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 358.05 Td (L+2.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 358.05 Td (3.41) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 358.05 Td (12/2003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 358.05 Td (12/2033) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 358.05 Td (12/2008) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 345.75 Td (Wintrust Statutory Trust V) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 345.05 Td (1,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.25 345.05 Td (40,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.25 345.03 Td (41,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 345.05 Td (41,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 345.05 Td (L+2.60) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 345.05 Td (3.21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 345.05 Td (05/2004) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 345.05 Td (05/2034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 345.05 Td (06/2009) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 332.75 Td (Wintrust Capital Trust VII) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 332.05 Td (1,550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.25 332.05 Td (50,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.25 332.03 Td (51,550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 332.05 Td (51,550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 332.05 Td (L+1.95) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 332.05 Td (2.46) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 332.05 Td (12/2004) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 332.05 Td (03/2035) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 332.05 Td (03/2010) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 319.75 Td (Wintrust Capital Trust VIII) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 319.05 Td (1,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.25 319.05 Td (40,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.25 319.03 Td (41,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 319.05 Td (41,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 319.05 Td (L+1.45) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 319.05 Td (2.06) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 319.05 Td (08/2005) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 319.05 Td (09/2035) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 319.05 Td (09/2010) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 306.75 Td (Wintrust Capital Trust IX) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 306.05 Td (1,547) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.25 306.05 Td (50,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.25 306.03 Td (51,547) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.25 306.05 Td (51,547) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 306.05 Td (L+1.63) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 306.05 Td (2.14) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 306.05 Td (09/2006) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 306.05 Td (09/2036) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 531.05 306.05 Td (09/2011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 293.75 Td (Northview Capital Trust I) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.25 293.05 Td (186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 231.25 293.05 Td (6,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.25 293.03 Td (6,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.25 293.05 Td (6,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 293.05 Td (L+3.00) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 293.05 Td (3.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 293.05 Td (08/2003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.05 293.05 Td (11/2033) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 293.05 Td (08/2008) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 280.75 Td (TownBanksharesCapitalTrustI) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.25 280.05 Td (186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 231.25 280.05 Td (6,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.25 280.03 Td (6,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.25 280.05 Td (6,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 280.05 Td (L+3.00) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 280.05 Td (3.33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 280.05 Td (08/2003) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.05 280.05 Td (11/2033) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 280.05 Td (08/2008) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 267.75 Td (First Northwest Capital Trust I) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.25 267.05 Td (155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 231.25 267.05 Td (5,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.25 267.03 Td (5,155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 325.25 267.05 Td (5,155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 267.05 Td (L+3.00) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 267.05 Td (3.61) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 267.05 Td (05/2004) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 267.05 Td (05/2034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 267.05 Td (05/2009) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 254.75 Td (Suburban Illinois Capital Trust II) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.25 254.05 Td (464) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 227.25 254.05 Td (15,000) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.25 254.03 Td (15,464) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.30 254.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 254.05 Td (L+1.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 254.05 Td (2.26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 254.05 Td (12/2006) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 254.05 Td (12/2036) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 531.05 254.05 Td (12/2011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 241.75 Td (Community Financial Shares) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 233.75 Td (Statutory Trust II) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 193.25 233.05 Td (109) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 231.25 233.05 Td (3,500) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.25 233.03 Td (3,609) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.30 233.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 359.60 233.05 Td (L+1.62) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 233.05 Td (2.13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.75 233.05 Td (06/2007) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 233.05 Td (09/2037) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.75 233.05 Td (06/2012) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 220.75 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.00 220.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 215.00 220.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.00 220.03 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 270.25 220.03 Td (268,566) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.00 220.05 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 317.25 220.05 Td (249,493) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 220.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.30 220.05 Td (2.68) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.30 220.05 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 437.00 220.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.00 220.05 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.00 220.05 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 195.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 94.43 195.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 148.59 195.30 Td (debentures ) Tj ET Q q 0 0 0 rg BT 194.40 195.30 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.12 195.30 Td ($268.6 ) Tj ET Q q 0 0 0 rg BT 254.12 195.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.01 195.30 Td ( ) Tj ET Q q 0 0 0 rg BT 285.51 195.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.45 195.30 Td ($249.5 ) Tj ET Q q 0 0 0 rg BT 332.45 195.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.34 195.30 Td ( ) Tj ET Q q 0 0 0 rg BT 363.84 195.30 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.55 195.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 432.14 195.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.14 195.30 Td ( ) Tj ET Q q 0 0 0 rg BT 454.64 195.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.58 195.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.58 195.30 Td (, ) Tj ET Q q 0 0 0 rg BT 496.58 195.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 544.24 195.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 174.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.60 174.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 101.09 174.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 123.02 174.30 Td (on ) Tj ET Q q 0 0 0 rg BT 136.07 174.30 Td (the ) Tj ET Q q 0 0 0 rg BT 151.35 174.30 Td (variable ) Tj ET Q q 0 0 0 rg BT 186.60 174.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 204.64 174.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 231.58 174.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 286.29 174.30 Td (debentures ) Tj ET Q q 0 0 0 rg BT 332.66 174.30 Td (are ) Tj ET Q q 0 0 0 rg BT 347.92 174.30 Td (based ) Tj ET Q q 0 0 0 rg BT 373.75 174.30 Td (on ) Tj ET Q q 0 0 0 rg BT 386.80 174.30 Td (the ) Tj ET Q q 0 0 0 rg BT 402.07 174.30 Td (three-month ) Tj ET Q q 0 0 0 rg BT 454.00 174.30 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 487.05 174.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 505.09 174.30 Td (and ) Tj ET Q q 0 0 0 rg BT 522.58 174.30 Td (reset ) Tj ET Q q 0 0 0 rg BT 544.51 174.30 Td (on ) Tj ET Q q 0 0 0 rg BT 557.57 174.30 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 162.30 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 88.59 162.30 Td (basis. ) Tj ET Q q 0 0 0 rg BT 113.04 162.30 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.54 162.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 184.12 162.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.12 162.30 Td (, ) Tj ET Q q 0 0 0 rg BT 209.11 162.30 Td (the ) Tj ET Q q 0 0 0 rg BT 223.83 162.30 Td (weighted ) Tj ET Q q 0 0 0 rg BT 262.98 162.30 Td (average ) Tj ET Q q 0 0 0 rg BT 296.56 162.30 Td (contractual ) Tj ET Q q 0 0 0 rg BT 343.48 162.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.41 162.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 392.89 162.30 Td (on ) Tj ET Q q 0 0 0 rg BT 405.39 162.30 Td (the ) Tj ET Q q 0 0 0 rg BT 420.11 162.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 446.49 162.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 500.64 162.30 Td (debentures ) Tj ET Q q 0 0 0 rg BT 546.46 162.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 150.30 Td (2.68%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.83 150.30 Td (. ) Tj ET Q q 0 0 0 rg BT 81.20 150.30 Td (The ) Tj ET Q q 0 0 0 rg BT 99.84 150.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 141.81 150.30 Td (entered ) Tj ET Q q 0 0 0 rg BT 174.33 150.30 Td (into ) Tj ET Q q 0 0 0 rg BT 192.98 150.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 225.50 150.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 243.58 150.30 Td (swaps ) Tj ET Q q 0 0 0 rg BT 271.11 150.30 Td (and ) Tj ET Q q 0 0 0 rg BT 288.64 150.30 Td (caps ) Tj ET Q q 0 0 0 rg BT 309.50 150.30 Td (with ) Tj ET Q q 0 0 0 rg BT 330.37 150.30 Td (an ) Tj ET Q q 0 0 0 rg BT 342.90 150.30 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 384.85 150.30 Td (notional ) Tj ET Q q 0 0 0 rg BT 420.71 150.30 Td (value ) Tj ET Q q 0 0 0 rg BT 445.46 150.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.88 150.30 Td ($225 ) Tj ET Q q 0 0 0 rg BT 479.97 150.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.86 150.30 Td ( ) Tj ET Q q 0 0 0 rg BT 511.95 150.30 Td (to ) Tj ET Q q 0 0 0 rg BT 522.82 150.30 Td (hedge ) Tj ET Q q 0 0 0 rg BT 549.79 150.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 138.30 Td (variable ) Tj ET Q q 0 0 0 rg BT 84.21 138.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 103.99 138.30 Td (flows ) Tj ET Q q 0 0 0 rg BT 128.23 138.30 Td (on ) Tj ET Q q 0 0 0 rg BT 140.24 138.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 169.45 138.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 195.35 138.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 249.02 138.30 Td (debentures. ) Tj ET Q q 0 0 0 rg BT 296.85 138.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.71 138.30 Td (T) Tj ET Q q 0 0 0 rg BT 304.12 138.30 Td (wo) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.34 138.30 Td ( ) Tj ET Q q 0 0 0 rg BT 318.36 138.30 Td (of ) Tj ET Q q 0 0 0 rg BT 328.70 138.30 Td (these ) Tj ET Q q 0 0 0 rg BT 351.26 138.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 382.70 138.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 399.70 138.30 Td (caps, ) Tj ET Q q 0 0 0 rg BT 421.98 138.30 Td (which ) Tj ET Q q 0 0 0 rg BT 448.43 138.30 Td (were ) Tj ET Q q 0 0 0 rg BT 469.87 138.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 512.42 138.30 Td (in ) Tj ET Q q 0 0 0 rg BT 522.21 138.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 544.22 138.30 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 126.30 Td (an ) Tj ET Q q 0 0 0 rg BT 62.19 126.30 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 103.81 126.30 Td (notional ) Tj ET Q q 0 0 0 rg BT 139.33 126.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 172.08 126.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.16 126.30 Td ($90 ) Tj ET Q q 0 0 0 rg BT 200.92 126.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.81 126.30 Td (, ) Tj ET Q q 0 0 0 rg BT 235.06 126.30 Td (replaced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.68 126.30 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.68 126.30 Td ( ) Tj ET Q q 0 0 0 rg BT 289.43 126.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 321.62 126.30 Td (swaps ) Tj ET Q q 0 0 0 rg BT 348.81 126.30 Td (that ) Tj ET Q q 0 0 0 rg BT 366.56 126.30 Td (matured ) Tj ET Q q 0 0 0 rg BT 402.08 126.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.61 126.30 Td (September ) Tj ET Q q 0 0 0 rg BT 458.13 126.30 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.13 126.30 Td (. ) Tj ET Q q 0 0 0 rg BT 483.18 126.30 Td (The ) Tj ET Q q 0 0 0 rg BT 501.48 126.30 Td (hedge-adjusted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 114.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 68.30 114.30 Td (on ) Tj ET Q q 0 0 0 rg BT 81.61 114.30 Td (the ) Tj ET Q q 0 0 0 rg BT 97.14 114.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 124.34 114.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 179.30 114.30 Td (debentures ) Tj ET Q q 0 0 0 rg BT 225.93 114.30 Td (as ) Tj ET Q q 0 0 0 rg BT 237.57 114.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.22 114.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 308.61 114.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.61 114.30 Td (, ) Tj ET Q q 0 0 0 rg BT 334.42 114.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.29 114.30 Td (3.34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.79 114.30 Td (%. ) Tj ET Q q 0 0 0 rg BT 384.93 114.30 Td (Distributions ) Tj ET Q q 0 0 0 rg BT 440.47 114.30 Td (on ) Tj ET Q q 0 0 0 rg BT 453.78 114.30 Td (the ) Tj ET Q q 0 0 0 rg BT 469.31 114.30 Td (common ) Tj ET Q q 0 0 0 rg BT 507.62 114.30 Td (and ) Tj ET Q q 0 0 0 rg BT 525.37 114.30 Td (preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 102.30 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.42 102.30 Td (issued ) Tj ET Q q 0 0 0 rg BT 118.07 102.30 Td (by ) Tj ET Q q 0 0 0 rg BT 130.73 102.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.41 102.30 Td (T) Tj ET Q q 0 0 0 rg BT 151.17 102.30 Td (rusts ) Tj ET Q q 0 0 0 rg BT 172.71 102.30 Td (are ) Tj ET Q q 0 0 0 rg BT 187.58 102.30 Td (payable ) Tj ET Q q 0 0 0 rg BT 221.32 102.30 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 260.07 102.30 Td (at ) Tj ET Q q 0 0 0 rg BT 269.95 102.30 Td (a ) Tj ET Q q 0 0 0 rg BT 277.04 102.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 294.68 102.30 Td (per ) Tj ET Q q 0 0 0 rg BT 310.10 102.30 Td (annum ) Tj ET Q q 0 0 0 rg BT 339.98 102.30 Td (equal ) Tj ET Q q 0 0 0 rg BT 364.29 102.30 Td (to ) Tj ET Q q 0 0 0 rg BT 374.72 102.30 Td (the ) Tj ET Q q 0 0 0 rg BT 389.59 102.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 421.68 102.30 Td (rates ) Tj ET Q q 0 0 0 rg BT 443.21 102.30 Td (being ) Tj ET Q q 0 0 0 rg BT 468.09 102.30 Td (earned ) Tj ET Q q 0 0 0 rg BT 497.39 102.30 Td (by ) Tj ET Q q 0 0 0 rg BT 510.04 102.30 Td (the ) Tj ET Q q 0 0 0 rg BT 524.72 102.30 Td (T) Tj ET Q q 0 0 0 rg BT 530.48 102.30 Td (rusts ) Tj ET Q q 0 0 0 rg BT 552.03 102.30 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 90.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.44 90.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 90.54 90.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 144.41 90.30 Td (debentures. ) Tj ET Q q 0 0 0 rg BT 192.45 90.30 Td (Interest ) Tj ET Q q 0 0 0 rg BT 224.65 90.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 259.08 90.30 Td (on ) Tj ET Q q 0 0 0 rg BT 271.29 90.30 Td (the ) Tj ET Q q 0 0 0 rg BT 285.73 90.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 311.83 90.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 365.71 90.30 Td (debentures ) Tj ET Q q 0 0 0 rg BT 411.24 90.30 Td (is ) Tj ET Q q 0 0 0 rg BT 420.13 90.30 Td (deductible ) Tj ET Q q 0 0 0 rg BT 464.00 90.30 Td (for ) Tj ET Q q 0 0 0 rg BT 477.88 90.30 Td (income ) Tj ET Q q 0 0 0 rg BT 509.53 90.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 523.96 90.30 Td (purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 69.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.52 69.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.37 69.30 Td (has ) Tj ET Q q 0 0 0 rg BT 126.67 69.30 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 173.50 69.30 Td (the ) Tj ET Q q 0 0 0 rg BT 188.69 69.30 Td (payment ) Tj ET Q q 0 0 0 rg BT 226.09 69.30 Td (of ) Tj ET Q q 0 0 0 rg BT 237.39 69.30 Td (distributions ) Tj ET Q q 0 0 0 rg BT 290.36 69.30 Td (and ) Tj ET Q q 0 0 0 rg BT 307.77 69.30 Td (payments ) Tj ET Q q 0 0 0 rg BT 349.06 69.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 372.03 69.30 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 418.33 69.30 Td (or ) Tj ET Q q 0 0 0 rg BT 429.63 69.30 Td (redemption ) Tj ET Q q 0 0 0 rg BT 478.14 69.30 Td (of ) Tj ET Q q 0 0 0 rg BT 489.44 69.30 Td (the ) Tj ET Q q 0 0 0 rg BT 504.62 69.30 Td (trust ) Tj ET Q q 0 0 0 rg BT 525.37 69.30 Td (preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.30 Td (securities, ) Tj ET Q q 0 0 0 rg BT 93.30 57.30 Td (in ) Tj ET Q q 0 0 0 rg BT 104.11 57.30 Td (each ) Tj ET Q q 0 0 0 rg BT 125.45 57.30 Td (case ) Tj ET Q q 0 0 0 rg BT 145.69 57.30 Td (to ) Tj ET Q q 0 0 0 rg BT 156.50 57.30 Td (the ) Tj ET Q q 0 0 0 rg BT 171.75 57.30 Td (extent ) Tj ET Q q 0 0 0 rg BT 199.22 57.30 Td (of ) Tj ET Q q 0 0 0 rg BT 210.58 57.30 Td (funds ) Tj ET Q q 0 0 0 rg BT 235.83 57.30 Td (held ) Tj ET Q q 0 0 0 rg BT 256.08 57.30 Td (by ) Tj ET Q q 0 0 0 rg BT 269.12 57.30 Td (the ) Tj ET Q q 0 0 0 rg BT 284.15 57.30 Td (T) Tj ET Q q 0 0 0 rg BT 289.90 57.30 Td (rusts. ) Tj ET Q q 0 0 0 rg BT 314.11 57.30 Td (The ) Tj ET Q q 0 0 0 rg BT 332.69 57.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 374.61 57.30 Td (and ) Tj ET Q q 0 0 0 rg BT 392.08 57.30 Td (the ) Tj ET Q q 0 0 0 rg BT 407.11 57.30 Td (T) Tj ET Q q 0 0 0 rg BT 412.86 57.30 Td (rusts ) Tj ET Q q 0 0 0 rg BT 434.79 57.30 Td (believe ) Tj ET Q q 0 0 0 rg BT 466.69 57.30 Td (that, ) Tj ET Q q 0 0 0 rg BT 487.22 57.30 Td (taken ) Tj ET Q q 0 0 0 rg BT 511.91 57.30 Td (together) Tj ET Q q 0 0 0 rg BT 544.27 57.30 Td (, ) Tj ET Q q 0 0 0 rg BT 549.80 57.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 45.30 Td (obligations ) Tj ET Q q 0 0 0 rg BT 97.30 45.30 Td (of ) Tj ET Q q 0 0 0 rg BT 108.49 45.30 Td (the ) Tj ET Q q 0 0 0 rg BT 123.57 45.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 165.32 45.30 Td (under ) Tj ET Q q 0 0 0 rg BT 190.95 45.30 Td (the ) Tj ET Q q 0 0 0 rg BT 206.02 45.30 Td (guarantees, ) Tj ET Q q 0 0 0 rg BT 254.14 45.30 Td (the ) Tj ET Q q 0 0 0 rg BT 269.22 45.30 Td (junior ) Tj ET Q q 0 0 0 rg BT 295.96 45.30 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 350.48 45.30 Td (debentures, ) Tj ET Q q 0 0 0 rg BT 399.15 45.30 Td (and ) Tj ET Q q 0 0 0 rg BT 416.45 45.30 Td (other ) Tj ET Q q 0 0 0 rg BT 439.86 45.30 Td (related ) Tj ET Q q 0 0 0 rg BT 469.92 45.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 518.32 45.30 Td (provide, ) Tj ET Q q 0 0 0 rg BT 554.22 45.30 Td (in ) Tj ET Q endstream endobj 275 0 obj <> endobj 276 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (137) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.32 742.10 Td (aggregate, ) Tj ET Q q 0 0 0 rg BT 107.79 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.34 742.10 Td (full, ) Tj ET Q q 0 0 0 rg BT 132.83 742.10 Td (irrevocable ) Tj ET Q q 0 0 0 rg BT 179.90 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.45 742.10 Td (unconditional ) Tj ET Q q 0 0 0 rg BT 253.55 742.10 Td (guarantee, ) Tj ET Q q 0 0 0 rg BT 297.01 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 309.12 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 315.66 742.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 369.43 742.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 394.03 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.47 742.10 Td (all ) Tj ET Q q 0 0 0 rg BT 416.57 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.00 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.33 742.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 487.88 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.31 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.48 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 518.24 742.10 Td (rusts ) Tj ET Q q 0 0 0 rg BT 539.24 742.10 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.14 730.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 83.85 730.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 122.41 730.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 164.61 730.10 Td (Subject ) Tj ET Q q 0 0 0 rg BT 196.53 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.23 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 235.36 730.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 282.57 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.71 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 337.53 730.10 Td (has ) Tj ET Q q 0 0 0 rg BT 352.79 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.93 730.10 Td (right ) Tj ET Q q 0 0 0 rg BT 387.75 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.45 730.10 Td (defer ) Tj ET Q q 0 0 0 rg BT 419.92 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.06 730.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 470.42 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.68 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 512.04 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 523.97 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.11 730.10 Td (junior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 104.03 718.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 149.72 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 159.31 718.10 Td (any ) Tj ET Q q 0 0 0 rg BT 176.12 718.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 198.77 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 209.48 718.10 Td (from ) Tj ET Q q 0 0 0 rg BT 231.29 718.10 Td (time ) Tj ET Q q 0 0 0 rg BT 251.44 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.59 718.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 284.24 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 298.27 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 305.09 718.10 Td (period ) Tj ET Q q 0 0 0 rg BT 333.01 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 348.16 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.31 718.10 Td (exceed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.44 718.10 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.44 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 400.82 718.10 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 450.39 718.10 Td (quarters. ) Tj ET Q q 0 0 0 rg BT 487.30 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 505.22 718.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 525.38 718.10 Td (preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 91.09 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 106.63 706.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 138.28 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.39 706.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 195.48 706.10 Td (redemption, ) Tj ET Q q 0 0 0 rg BT 246.85 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.96 706.10 Td (whole ) Tj ET Q q 0 0 0 rg BT 285.73 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 297.39 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 308.50 706.10 Td (part, ) Tj ET Q q 0 0 0 rg BT 329.87 706.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 353.20 706.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 398.73 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.39 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.94 706.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 453.15 706.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 508.14 706.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 554.78 706.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 86.68 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.82 694.10 Td (their ) Tj ET Q q 0 0 0 rg BT 118.94 694.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 147.28 694.10 Td (redemption. ) Tj ET Q q 0 0 0 rg BT 197.92 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 216.27 694.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 242.95 694.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 297.41 694.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 343.53 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 358.54 694.10 Td (redeemable ) Tj ET Q q 0 0 0 rg BT 407.42 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.00 694.10 Td (whole ) Tj ET Q q 0 0 0 rg BT 445.24 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 456.37 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 466.95 694.10 Td (part ) Tj ET Q q 0 0 0 rg BT 485.30 694.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 507.54 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.12 694.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 554.80 694.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.96 682.10 Td (time ) Tj ET Q q 0 0 0 rg BT 87.26 682.10 Td (after ) Tj ET Q q 0 0 0 rg BT 108.10 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.84 682.10 Td (earliest ) Tj ET Q q 0 0 0 rg BT 154.24 682.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 202.30 682.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 225.38 682.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 254.01 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 264.32 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.06 682.10 Td (table, ) Tj ET Q q 0 0 0 rg BT 303.52 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.48 682.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 348.54 682.10 Td (at ) Tj ET Q q 0 0 0 rg BT 358.28 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.02 682.10 Td (discretion ) Tj ET Q q 0 0 0 rg BT 414.98 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.83 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.57 682.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 481.98 682.10 Td (if ) Tj ET Q q 0 0 0 rg BT 490.62 682.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 520.34 682.10 Td (conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 65.57 670.10 Td (met, ) Tj ET Q q 0 0 0 rg BT 86.42 670.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 106.72 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.86 670.10 Td (any ) Tj ET Q q 0 0 0 rg BT 135.66 670.10 Td (event, ) Tj ET Q q 0 0 0 rg BT 163.18 670.10 Td (only ) Tj ET Q q 0 0 0 rg BT 184.32 670.10 Td (after ) Tj ET Q q 0 0 0 rg BT 205.99 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.57 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 263.82 670.10 Td (has ) Tj ET Q q 0 0 0 rg BT 280.51 670.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 318.30 670.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 351.65 670.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 387.22 670.10 Td (approval, ) Tj ET Q q 0 0 0 rg BT 428.06 670.10 Td (if ) Tj ET Q q 0 0 0 rg BT 437.53 670.10 Td (then ) Tj ET Q q 0 0 0 rg BT 458.11 670.10 Td (required ) Tj ET Q q 0 0 0 rg BT 494.79 670.10 Td (under ) Tj ET Q q 0 0 0 rg BT 520.92 670.10 Td (applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 93.60 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 104.43 658.10 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Prior ) Tj ET Q q 0 0 0 rg BT 72.68 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 83.14 634.10 Td (January ) Tj ET Q q 0 0 0 rg BT 116.92 634.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 127.10 634.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 152.28 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.18 634.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 193.75 634.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 248.08 634.10 Td (debentures, ) Tj ET Q q 0 0 0 rg BT 296.58 634.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 327.58 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.04 634.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 367.92 634.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 415.88 634.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 454.11 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 464.92 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 470.68 634.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 483.91 634.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 491.59 634.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 535.36 634.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.26 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.41 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 118.23 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.60 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.75 622.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 183.68 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 194.39 622.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 223.42 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.68 622.10 Td (those ) Tj ET Q q 0 0 0 rg BT 258.72 622.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 288.85 622.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 334.57 622.10 Td (could, ) Tj ET Q q 0 0 0 rg BT 362.21 622.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 393.47 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 404.18 622.10 Td (other ) Tj ET Q q 0 0 0 rg BT 427.66 622.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 477.53 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 489.90 622.10 Td (included ) Tj ET Q q 0 0 0 rg BT 527.26 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 537.76 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 543.52 622.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 557.00 622.10 Td (2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 81.76 610.10 Td (At ) Tj ET Q q 0 0 0 rg BT 95.12 610.10 Td (December ) Tj ET Q q 0 0 0 rg BT 139.56 610.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 155.41 610.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 181.27 610.10 Td (all ) Tj ET Q q 0 0 0 rg BT 194.62 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.30 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.87 610.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 249.11 610.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 304.12 610.10 Td (debentures, ) Tj ET Q q 0 0 0 rg BT 353.29 610.10 Td (net ) Tj ET Q q 0 0 0 rg BT 368.86 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.55 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.12 610.10 Td (common ) Tj ET Q q 0 0 0 rg BT 434.47 610.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 478.09 610.10 Td (were ) Tj ET Q q 0 0 0 rg BT 500.87 610.10 Td (included ) Tj ET Q q 0 0 0 rg BT 538.66 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 610.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.68 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 102.44 598.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 115.25 598.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 122.52 598.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 165.88 598.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 197.29 598.10 Td (In ) Tj ET Q q 0 0 0 rg BT 207.89 598.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 232.65 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 239.36 598.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 270.51 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.11 598.10 Td (these ) Tj ET Q q 0 0 0 rg BT 303.92 598.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 330.07 598.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 383.99 598.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 429.57 598.10 Td (still ) Tj ET Q q 0 0 0 rg BT 446.84 598.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 484.65 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.08 598.10 Td (T) Tj ET Q q 0 0 0 rg BT 500.84 598.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 513.65 598.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 520.92 598.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.12 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.92 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.60 586.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 145.95 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.86 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.54 586.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 210.01 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 220.25 586.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 248.82 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.61 586.10 Td (those ) Tj ET Q q 0 0 0 rg BT 283.19 586.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 312.86 586.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 360.60 586.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 391.40 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.64 586.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 431.31 586.10 Td (restrictions, ) Tj ET Q q 0 0 0 rg BT 480.71 586.10 Td (was ) Tj ET Q q 0 0 0 rg BT 498.73 586.10 Td (included ) Tj ET Q q 0 0 0 rg BT 535.63 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 545.70 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 551.46 586.10 Td (ier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 56.70 574.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 87.17 574.10 Td (At ) Tj ET Q q 0 0 0 rg BT 98.86 574.10 Td (December ) Tj ET Q q 0 0 0 rg BT 141.64 574.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 155.84 574.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.03 574.10 Td ($65.1 ) Tj ET Q q 0 0 0 rg BT 204.23 574.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.12 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 234.82 574.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.95 574.10 Td ($195.4 ) Tj ET Q q 0 0 0 rg BT 280.15 574.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.04 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 310.74 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.76 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.67 574.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 360.26 574.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 413.61 574.10 Td (debentures, ) Tj ET Q q 0 0 0 rg BT 461.12 574.10 Td (net ) Tj ET Q q 0 0 0 rg BT 475.03 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.06 574.10 Td (common ) Tj ET Q q 0 0 0 rg BT 521.75 574.10 Td (securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.93 562.10 Td (included ) Tj ET Q q 0 0 0 rg BT 108.86 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.14 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.86 562.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 180.76 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 186.51 562.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 199.56 562.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 207.06 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.82 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 229.58 562.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 242.62 562.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 250.12 562.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 293.72 562.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 325.37 562.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 373.03 562.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (\(15\) Minimum Lease Commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.02 508.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.38 508.10 Td (occupies ) Tj ET Q q 0 0 0 rg BT 143.84 508.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 172.52 508.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 208.42 508.10 Td (under ) Tj ET Q q 0 0 0 rg BT 232.66 508.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 271.90 508.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 293.36 508.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 342.86 508.10 Td (Gross ) Tj ET Q q 0 0 0 rg BT 367.67 508.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 391.91 508.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 425.59 508.10 Td (related ) Tj ET Q q 0 0 0 rg BT 454.26 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.52 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.21 508.10 Td (Company) Tj ET Q q 0 0 0 rg BT 518.87 508.10 Td (s ) Tj ET Q q 0 0 0 rg BT 524.24 508.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 77.19 496.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.93 496.10 Td ($15.7 ) Tj ET Q q 0 0 0 rg BT 125.74 496.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.63 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 157.94 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 169.03 496.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.84 496.10 Td ($10.5 ) Tj ET Q q 0 0 0 rg BT 220.65 496.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.54 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 252.85 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.94 496.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 289.75 496.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.50 496.10 Td ($9.1 ) Tj ET Q q 0 0 0 rg BT 328.31 496.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.20 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 360.51 496.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.60 496.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.60 496.10 Td (. ) Tj ET Q q 0 0 0 rg BT 397.17 496.10 Td (The ) Tj ET Q q 0 0 0 rg BT 416.03 496.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 458.23 496.10 Td (also ) Tj ET Q q 0 0 0 rg BT 477.65 496.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 504.83 496.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 535.35 496.10 Td (owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (premises ) Tj ET Q q 0 0 0 rg BT 87.81 484.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.52 484.10 Td (receives ) Tj ET Q q 0 0 0 rg BT 139.54 484.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 164.58 484.10 Td (income ) Tj ET Q q 0 0 0 rg BT 196.28 484.10 Td (from ) Tj ET Q q 0 0 0 rg BT 217.98 484.10 Td (such ) Tj ET Q q 0 0 0 rg BT 238.58 484.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 260.83 484.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 311.14 484.10 Td (Gross ) Tj ET Q q 0 0 0 rg BT 336.74 484.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 361.77 484.10 Td (income ) Tj ET Q q 0 0 0 rg BT 393.47 484.10 Td (related ) Tj ET Q q 0 0 0 rg BT 422.94 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.99 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.47 484.10 Td (Company) Tj ET Q q 0 0 0 rg BT 489.14 484.10 Td (s ) Tj ET Q q 0 0 0 rg BT 495.30 484.10 Td (buildings ) Tj ET Q q 0 0 0 rg BT 534.79 484.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td ($7.7 ) Tj ET Q q 0 0 0 rg BT 69.79 472.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.68 472.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.47 472.10 Td ($6.9 ) Tj ET Q q 0 0 0 rg BT 123.26 472.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.15 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 154.44 472.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.17 472.10 Td ($7.0 ) Tj ET Q q 0 0 0 rg BT 190.96 472.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.85 472.10 Td (, ) Tj ET Q q 0 0 0 rg BT 224.64 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 234.71 472.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.50 472.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.50 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.79 472.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.52 472.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.52 472.10 Td (, ) Tj ET Q q 0 0 0 rg BT 323.31 472.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 370.97 472.10 Td (. ) Tj ET Q q 0 0 0 rg BT 375.60 472.10 Td (The ) Tj ET Q q 0 0 0 rg BT 393.43 472.10 Td (approximate ) Tj ET Q q 0 0 0 rg BT 445.70 472.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 486.89 472.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 515.83 472.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 539.23 472.10 Td (rental ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.96 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.03 460.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 131.78 460.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 157.17 460.10 Td (receipts ) Tj ET Q q 0 0 0 rg BT 190.90 460.10 Td (under ) Tj ET Q q 0 0 0 rg BT 216.30 460.10 Td (noncancelable ) Tj ET Q q 0 0 0 rg BT 276.12 460.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 324.29 460.10 Td (for ) Tj ET Q q 0 0 0 rg BT 338.58 460.10 Td (of) Tj ET Q q 0 0 0 rg BT 346.73 460.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 364.35 460.10 Td (space ) Tj ET Q q 0 0 0 rg BT 389.19 460.10 Td (with ) Tj ET Q q 0 0 0 rg BT 409.60 460.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 452.78 460.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 477.63 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 488.04 460.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 516.77 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.73 460.10 Td (one ) Tj ET Q q 0 0 0 rg BT 544.81 460.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 448.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.66 448.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 130.24 448.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.24 448.10 Td (, ) Tj ET Q q 0 0 0 rg BT 155.24 448.10 Td (are ) Tj ET Q q 0 0 0 rg BT 169.95 448.10 Td (as ) Tj ET Q q 0 0 0 rg BT 180.78 448.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 213.28 448.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 226.89 448.10 Td (thousands\):) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 437.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 414.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 414.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 414.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 414.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 414.80 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 386.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 386.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 386.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 386.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 386.80 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 358.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 358.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 358.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 358.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 358.80 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 330.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 330.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 330.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 330.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 330.80 79.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 426.8 m 397.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 414.8 m 397.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 426.8 m 401.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 414.8 m 401.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 426.8 m 479.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 414.8 m 479.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 426.8 m 483.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 414.8 m 483.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 426.8 m 562.5 426.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 414.8 m 562.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 414.8 m 397.5 414.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 330.8 m 479.5 330.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 330.8 m 483.5 330.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 330.8 m 562.5 330.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 316.8 m 397.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 316.8 m 401.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 316.8 m 479.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 316.8 m 483.5 316.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 316.8 m 562.5 316.8 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.30 418.88 Td (Payments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.05 418.88 Td (Receipts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 405.37 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 405.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 405.48 Td (10,515) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.00 405.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 405.48 Td (5,163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 391.37 Td (2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 391.48 Td (10,139) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 391.48 Td (3,946) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 377.37 Td (2018) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 377.48 Td (9,725) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 377.48 Td (2,688) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 363.37 Td (2019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 363.48 Td (8,824) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 363.48 Td (1,729) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 349.37 Td (2020) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 349.48 Td (9,516) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 349.48 Td (1,214) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 335.37 Td (2021 and thereafter) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.15 335.48 Td (114,513) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 335.48 Td (1,058) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 321.37 Td (Total minimum future amounts) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 321.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.15 321.48 Td (163,232) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.00 321.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 321.48 Td (15,798) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 296.30 Td (\(16\) Income ) Tj ET Q q 0 0 0 rg BT 103.14 296.30 Td (T) Tj ET Q q 0 0 0 rg BT 108.89 296.30 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.30 Td (Income tax expense \(benefit\) for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.69 275.30 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.27 275.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.27 275.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.27 275.30 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.71 275.30 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.71 275.30 Td ( is summarized as follows:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 264.50 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 230.00 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 230.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 230.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 230.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 230.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 230.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 230.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 202.00 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 202.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 202.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 202.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 202.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 202.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 202.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 174.00 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 174.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 174.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 174.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 174.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 174.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 174.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 146.00 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 146.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 146.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 146.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 146.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 146.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 146.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 118.00 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 118.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 118.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 118.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 118.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 118.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 118.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 90.00 288.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 90.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 90.00 70.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 90.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 90.00 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 90.00 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 90.00 71.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 254 m 338.5 254 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 254 m 342.5 254 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 254 m 412.5 254 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 242 m 412.5 242 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 254 m 416.5 254 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 242 m 416.5 242 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 254 m 487.5 254 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 242 m 487.5 242 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 254 m 491.5 254 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 242 m 491.5 242 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 254 m 562.5 254 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 242 m 562.5 242 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 230 m 338.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 338.5 230 m 342.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 230 m 412.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 230 m 416.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 230 m 487.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 230 m 491.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 230 m 562.5 230 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 174 m 412.5 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 160 m 412.5 160 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 174 m 416.5 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 160 m 416.5 160 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 174 m 487.5 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 160 m 487.5 160 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 174 m 491.5 174 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 160 m 491.5 160 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 174 m 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ET q 0 0 0 rg BT 461.15 122.57 Td (6,113) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 122.62 Td (\(114) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 122.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 108.57 Td (Foreign) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 108.68 Td (1,542) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 108.62 Td (\(2,454) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 108.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 108.62 Td (\(160) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 108.57 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 94.57 Td (Total deferred income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.00 94.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.15 94.68 Td (23,054) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 94.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 94.57 Td (4,125) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 94.57 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 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ET Q q 0 0 0 rg BT 117.93 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 151.27 742.10 Td (before ) Tj ET Q q 0 0 0 rg BT 180.71 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 214.05 742.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 238.50 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.18 742.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 276.59 742.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 300.49 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 318.83 742.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 342.74 742.10 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.97 742.10 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 401.37 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.26 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.67 742.10 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 458.07 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.96 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 490.86 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.21 742.10 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 530.61 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.66 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.49 730.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 144.87 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 176.80 730.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 224.84 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.12 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 247.07 730.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 287.33 730.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 327.79 730.10 Td (.) 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BT 527.04 709.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 82.91 697.10 Td (to ) Tj ET Q q 0 0 0 rg BT 93.05 697.10 Td (shareholders' ) Tj ET Q q 0 0 0 rg BT 147.76 697.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 175.12 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 185.81 697.10 Td (part ) Tj ET Q q 0 0 0 rg BT 203.73 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.42 697.10 Td (other ) Tj ET Q q 0 0 0 rg BT 237.33 697.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 300.23 697.10 Td (income ) Tj ET Q q 0 0 0 rg BT 332.03 697.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 356.62 697.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.42 697.10 Td (are ) Tj ET Q q 0 0 0 rg BT 388.00 697.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 425.33 697.10 Td (on ) Tj ET Q q 0 0 0 rg BT 437.70 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.28 697.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 507.42 697.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 553.67 697.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 115.11 685.10 Td (Income. ) Tj ET Q q 0 0 0 rg BT 149.94 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 152.28 685.10 Td (In ) Tj ET Q q 0 0 0 rg BT 162.95 685.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 200.57 685.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 215.13 685.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 249.68 685.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.36 685.10 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 280.20 685.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.09 685.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.94 685.10 Td ($594,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.44 685.10 Td (, ) Tj ET Q q 0 0 0 rg BT 356.28 685.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.06 685.10 Td ($831,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.56 685.10 Td ( ) Tj ET Q q 0 0 0 rg BT 412.91 685.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.03 685.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 447.87 685.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 470.21 685.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.00 685.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 511.84 685.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 685.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.45 673.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.48 673.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.95 673.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 138.95 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.64 673.10 Td (expiration ) Tj ET Q q 0 0 0 rg BT 198.43 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.01 673.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 238.46 673.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 261.82 673.10 Td (options ) Tj ET Q q 0 0 0 rg BT 293.52 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.21 673.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 341.35 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.03 673.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 394.16 673.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.74 673.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 444.19 673.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 471.43 673.10 Td (and ) Tj ET Q q 0 0 0 rg BT 488.12 673.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 540.89 673.10 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 81.05 661.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 118.22 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.73 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.68 661.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 169.19 661.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 209.13 661.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 233.53 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.70 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.65 661.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 302.26 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.32 661.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 341.04 661.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 378.21 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.72 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.67 661.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 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0 J 0 j 3 M 342.5 416.6 m 412.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 416.6 m 416.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 416.6 m 487.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 416.6 m 491.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 416.6 m 562.5 416.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 597.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.05 597.68 Td (Years Ended December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 585.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.00 585.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.50 584.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 584.86 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 572.17 Td (Income tax expense based upon the Federal statutory rate on income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 562.17 Td (before income taxes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 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0.9333333333333333 1 rg /GS0 gs 397.50 476.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 476.80 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 476.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 476.80 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 450.80 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 450.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 450.80 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 450.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 450.80 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 424.80 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 424.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 424.80 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 424.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 424.80 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 398.80 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 398.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 398.80 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 398.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 398.80 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 372.80 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 372.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 372.80 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 372.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 372.80 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 346.80 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 346.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 346.80 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 346.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 346.80 79.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 320.80 347.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 320.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 320.80 78.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 320.80 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 320.80 79.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 708.8 m 397.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 708.8 m 401.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 708.8 m 479.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 708.8 m 483.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 708.8 m 562.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 684.8 m 397.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 684.8 m 401.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 696.8 m 479.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 684.8 m 479.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 696.8 m 483.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 684.8 m 483.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 696.8 m 562.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 684.8 m 562.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 476.8 m 479.5 476.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 463.8 m 479.5 463.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 476.8 m 483.5 476.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 463.8 m 483.5 463.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 476.8 m 562.5 476.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 463.8 m 562.5 463.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 333.8 m 479.5 333.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 320.8 m 479.5 320.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 333.8 m 483.5 333.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 320.8 m 483.5 320.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 333.8 m 562.5 333.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 320.8 m 562.5 320.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 307.8 m 397.5 307.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 307.8 m 401.5 307.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 307.8 m 479.5 307.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 307.8 m 483.5 307.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 307.8 m 562.5 307.8 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.55 700.88 Td (YearsEndedDecember31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 688.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.00 688.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.50 688.06 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 675.37 Td (Deferred tax assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 662.37 Td (Allowance for credit losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 662.53 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 662.53 Td (39,561) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 662.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 662.37 Td (35,455) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 649.37 Td (Deferred compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 649.53 Td (25,492) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 649.37 Td (19,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 636.37 Td (Covered assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 636.53 Td (17,754) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 636.37 Td (18,246) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 623.37 Td (Stock-based compensation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 623.53 Td (9,760) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 623.37 Td (10,735) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 610.37 Td (Other real estate owned) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 610.53 Td (7,610) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 610.37 Td (7,546) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 597.37 Td (Foreign net operating loss carryforward) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 597.53 Td (6,616) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 597.37 Td (2,521) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 584.37 Td (Federal net operating loss carryforward) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 584.53 Td (4,705) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 584.37 Td (2,108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 571.37 Td (AMT credit carryforward) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 571.53 Td (1,498) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 571.37 Td (1,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 558.37 Td (Foreign tax credit carryforward) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.65 558.53 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 558.37 Td (302) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 545.37 Td (Nonaccrued interest) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 545.53 Td (1,603) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 545.37 Td (1,329) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 532.37 Td (Mortgage banking recourse obligation) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 532.53 Td (1,565) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 532.37 Td (1,206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 519.37 Td (Discount on purchased loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.65 519.53 Td (749) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 519.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 506.37 Td (Net unrealized losses on securities included in other comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 506.53 Td (11,476) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 506.37 Td (6,242) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 493.37 Td (Net unrealized losses on derivatives included in other comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 493.53 Td (1,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 493.37 Td (1,601) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 480.37 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 480.53 Td (3,361) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 480.37 Td (3,523) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 467.37 Td (Total gross deferred tax assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 443.15 467.53 Td (133,136) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 467.37 Td (111,340) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 454.37 Td (Deferred tax liabilities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 441.37 Td (Premises and equipment) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 441.53 Td (33,423) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 441.37 Td (35,902) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 428.37 Td (Equipment leasing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 428.53 Td (15,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 428.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 415.37 Td (Goodwill and intangible assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 415.53 Td (8,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 415.37 Td (3,501) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 402.37 Td (Fair value adjustments on loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 402.53 Td (6,086) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 402.37 Td (9,444) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 389.37 Td (Deferred loan fees and costs) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 389.53 Td (6,045) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 389.37 Td (4,927) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 376.37 Td (Capitalized servicing rights) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 376.53 Td (3,330) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 376.37 Td (3,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 363.37 Td (FHLB stock dividends) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.65 363.53 Td (904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 363.37 Td (1,416) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 350.37 Td (Discount on purchased loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.65 350.53 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 350.37 Td (11,324) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 337.37 Td (Other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 337.53 Td (5,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 337.37 Td (5,625) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 324.37 Td (Total gross deferred liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 324.53 Td (78,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 324.37 Td (75,176) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 311.37 Td (Net deferred tax assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 311.53 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.15 311.53 Td (54,187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 311.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 311.37 Td (36,164) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.64 274.30 Td (has ) Tj ET Q q 0 0 0 rg BT 120.42 274.30 Td (determined ) Tj ET Q q 0 0 0 rg BT 167.84 274.30 Td (that ) Tj ET Q q 0 0 0 rg BT 185.27 274.30 Td (a ) Tj ET Q q 0 0 0 rg BT 192.15 274.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 231.81 274.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 274.78 274.30 Td (is ) Tj ET Q q 0 0 0 rg BT 283.89 274.30 Td (not ) Tj ET Q q 0 0 0 rg BT 299.11 274.30 Td (required ) Tj ET Q q 0 0 0 rg BT 334.87 274.30 Td (for ) Tj ET Q q 0 0 0 rg BT 348.97 274.30 Td (the ) Tj ET Q q 0 0 0 rg BT 363.63 274.30 Td (deferred ) Tj ET Q q 0 0 0 rg BT 399.38 274.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 414.03 274.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 439.80 274.30 Td (at ) Tj ET Q q 0 0 0 rg BT 449.46 274.30 Td (December ) Tj ET Q q 0 0 0 rg BT 492.99 274.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 507.93 274.30 Td (2015 ) Tj ET Q q 0 0 0 rg BT 530.37 274.30 Td (because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.30 Td (it ) Tj ET Q q 0 0 0 rg BT 58.17 262.30 Td (is ) Tj ET Q q 0 0 0 rg BT 67.45 262.30 Td (more ) Tj ET Q q 0 0 0 rg BT 90.61 262.30 Td (likely ) Tj ET Q q 0 0 0 rg BT 116.00 262.30 Td (than ) Tj ET Q q 0 0 0 rg BT 135.83 262.30 Td (not ) Tj ET Q q 0 0 0 rg BT 151.22 262.30 Td (that ) Tj ET Q q 0 0 0 rg BT 168.82 262.30 Td (these ) Tj ET Q q 0 0 0 rg BT 191.98 262.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 217.92 262.30 Td (could ) Tj ET Q q 0 0 0 rg BT 242.75 262.30 Td (be ) Tj ET Q q 0 0 0 rg BT 254.80 262.30 Td (realized ) Tj ET Q q 0 0 0 rg BT 289.06 262.30 Td (through ) Tj ET Q q 0 0 0 rg BT 322.78 262.30 Td (carry ) Tj ET Q q 0 0 0 rg BT 345.93 262.30 Td (back ) Tj ET Q q 0 0 0 rg BT 367.42 262.30 Td (to ) Tj ET Q q 0 0 0 rg BT 377.81 262.30 Td (taxable ) Tj ET Q q 0 0 0 rg BT 409.29 262.30 Td (income ) Tj ET Q q 0 0 0 rg BT 441.34 262.30 Td (in ) Tj ET Q q 0 0 0 rg BT 451.73 262.30 Td (prior ) Tj ET Q q 0 0 0 rg BT 473.78 262.30 Td (years, ) Tj ET Q q 0 0 0 rg BT 499.99 262.30 Td (future ) Tj ET Q q 0 0 0 rg BT 526.48 262.30 Td (reversals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.30 Td (of ) Tj ET Q q 0 0 0 rg BT 61.78 250.30 Td (existing ) Tj ET Q q 0 0 0 rg BT 96.90 250.30 Td (taxable ) Tj ET Q q 0 0 0 rg BT 129.23 250.30 Td (temporary ) Tj ET Q q 0 0 0 rg BT 173.78 250.30 Td (dif) Tj ET Q q 0 0 0 rg BT 184.70 250.30 Td (ferences, ) Tj ET Q q 0 0 0 rg BT 223.96 250.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 239.63 250.30 Td (planning ) Tj ET Q q 0 0 0 rg BT 278.08 250.30 Td (strategies ) Tj ET Q q 0 0 0 rg BT 319.30 250.30 Td (and ) Tj ET Q q 0 0 0 rg BT 337.19 250.30 Td (future ) Tj ET Q q 0 0 0 rg BT 364.52 250.30 Td (taxable ) Tj ET Q q 0 0 0 rg BT 396.85 250.30 Td (income. ) Tj ET Q q 0 0 0 rg BT 431.98 250.30 Td (This ) Tj ET Q q 0 0 0 rg BT 453.22 250.30 Td (conclusion ) Tj ET Q q 0 0 0 rg BT 500.00 250.30 Td (is ) Tj ET Q q 0 0 0 rg BT 510.12 250.30 Td (based ) Tj ET Q q 0 0 0 rg BT 536.34 250.30 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 250.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.30 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.08 238.30 Td (historical ) Tj ET Q q 0 0 0 rg BT 136.79 238.30 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 175.67 238.30 Td (its ) Tj ET Q q 0 0 0 rg BT 187.62 238.30 Td (current ) Tj ET Q q 0 0 0 rg BT 218.43 238.30 Td (level ) Tj ET Q q 0 0 0 rg BT 240.37 238.30 Td (of ) Tj ET Q q 0 0 0 rg BT 251.20 238.30 Td (earnings ) Tj ET Q q 0 0 0 rg BT 287.57 238.30 Td (and ) Tj ET Q q 0 0 0 rg BT 304.51 238.30 Td (prospects ) Tj ET Q q 0 0 0 rg BT 344.78 238.30 Td (for ) Tj ET Q q 0 0 0 rg BT 358.94 238.30 Td (continued ) Tj ET Q q 0 0 0 rg BT 400.87 238.30 Td (growth ) Tj ET Q q 0 0 0 rg BT 431.70 238.30 Td (and ) Tj ET Q q 0 0 0 rg BT 448.64 238.30 Td (profitability) Tj ET Q q 0 0 0 rg BT 495.76 238.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.16 216.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.66 216.30 Td (has ) Tj ET Q q 0 0 0 rg BT 122.60 216.30 Td (a ) Tj ET Q q 0 0 0 rg BT 128.66 216.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 159.90 216.30 Td (AMT) Tj ET Q q 0 0 0 rg BT 181.94 216.30 Td ( ) Tj ET Q q 0 0 0 rg BT 183.56 216.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 207.93 216.30 Td (carryforward ) Tj ET Q q 0 0 0 rg BT 261.73 216.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.68 216.30 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 290.79 216.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.68 216.30 Td ( ) Tj ET Q q 0 0 0 rg BT 321.30 216.30 Td (which ) Tj ET Q q 0 0 0 rg BT 347.35 216.30 Td (has ) Tj ET Q q 0 0 0 rg BT 362.29 216.30 Td (no ) Tj ET Q q 0 0 0 rg BT 373.91 216.30 Td (expiration ) Tj ET Q q 0 0 0 rg BT 416.06 216.30 Td (date ) Tj ET Q q 0 0 0 rg BT 434.33 216.30 Td (and ) Tj ET Q q 0 0 0 rg BT 450.38 216.30 Td (a ) Tj ET Q q 0 0 0 rg BT 456.44 216.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 488.04 216.30 Td (NOL) Tj ET Q q 0 0 0 rg BT 508.22 216.30 Td ( ) Tj ET Q q 0 0 0 rg BT 509.83 216.30 Td (carryforward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 204.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.33 204.30 Td ($13.4 ) Tj ET Q q 0 0 0 rg BT 84.84 204.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.73 204.30 Td ( ) Tj ET Q q 0 0 0 rg BT 115.73 204.30 Td (that ) Tj ET Q q 0 0 0 rg BT 132.73 204.30 Td (begins ) Tj ET Q q 0 0 0 rg BT 160.85 204.30 Td (to ) Tj ET Q q 0 0 0 rg BT 170.63 204.30 Td (expire ) Tj ET Q q 0 0 0 rg BT 197.62 204.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.40 204.30 Td (2028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.40 204.30 Td ( ) Tj ET Q q 0 0 0 rg BT 229.41 204.30 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.52 204.30 Td (2034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.52 204.30 Td ( ) Tj ET Q q 0 0 0 rg BT 284.52 204.30 Td (and ) Tj ET Q q 0 0 0 rg BT 300.97 204.30 Td (is ) Tj ET Q q 0 0 0 rg BT 309.64 204.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 339.97 204.30 Td (to ) Tj ET Q q 0 0 0 rg BT 349.75 204.30 Td (Internal ) Tj ET Q q 0 0 0 rg BT 382.85 204.30 Td (Revenue ) Tj ET Q q 0 0 0 rg BT 419.84 204.30 Td (Code ) Tj ET Q q 0 0 0 rg BT 442.95 204.30 Td (Section ) Tj ET Q q 0 0 0 rg BT 474.95 204.30 Td (382 ) Tj ET Q q 0 0 0 rg BT 491.96 204.30 Td (annual ) Tj ET Q q 0 0 0 rg BT 520.62 204.30 Td (limitation. ) Tj ET Q q 0 0 0 rg BT 564.50 204.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 192.30 Td (These ) Tj ET Q q 0 0 0 rg BT 76.01 192.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 100.92 192.30 Td (and ) Tj ET Q q 0 0 0 rg BT 117.49 192.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 135.19 192.30 Td (carryforwards ) Tj ET Q q 0 0 0 rg BT 193.41 192.30 Td (were ) Tj ET Q q 0 0 0 rg BT 214.97 192.30 Td (a ) Tj ET Q q 0 0 0 rg BT 221.55 192.30 Td (result ) Tj ET Q q 0 0 0 rg BT 245.91 192.30 Td (of ) Tj ET Q q 0 0 0 rg BT 256.37 192.30 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 306.28 192.30 Td (made ) Tj ET Q q 0 0 0 rg BT 330.08 192.30 Td (in ) Tj ET Q q 0 0 0 rg BT 339.99 192.30 Td (2012, ) Tj ET Q q 0 0 0 rg BT 364.63 192.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 386.77 192.30 Td (and ) Tj ET Q q 0 0 0 rg BT 403.34 192.30 Td (2015. ) Tj ET Q q 0 0 0 rg BT 427.83 192.30 Td (The ) Tj ET Q q 0 0 0 rg BT 445.51 192.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 486.54 192.30 Td (has ) Tj ET Q q 0 0 0 rg BT 502.00 192.30 Td (a ) Tj ET Q q 0 0 0 rg BT 508.58 192.30 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 541.83 192.30 Td (NOL) Tj ET Q q 0 0 0 rg BT 562.01 192.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 180.30 Td (carryforward ) Tj ET Q q 0 0 0 rg BT 104.75 180.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.64 180.30 Td ($25.1 ) Tj ET Q q 0 0 0 rg BT 140.70 180.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.59 180.30 Td ( ) Tj ET Q q 0 0 0 rg BT 172.15 180.30 Td (that ) Tj ET Q q 0 0 0 rg BT 189.71 180.30 Td (begins ) Tj ET Q q 0 0 0 rg BT 218.38 180.30 Td (to ) Tj ET Q q 0 0 0 rg BT 228.72 180.30 Td (expire ) Tj ET Q q 0 0 0 rg BT 256.26 180.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.60 180.30 Td (2034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.60 180.30 Td ( ) Tj ET Q q 0 0 0 rg BT 289.17 180.30 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.83 180.30 Td (2035) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.83 180.30 Td (. ) Tj ET Q q 0 0 0 rg BT 347.90 180.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 402.66 180.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 437.98 180.30 Td (it ) Tj ET Q q 0 0 0 rg BT 446.10 180.30 Td (is ) Tj ET Q q 0 0 0 rg BT 455.33 180.30 Td (more ) Tj ET Q q 0 0 0 rg BT 478.44 180.30 Td (likely ) Tj ET Q q 0 0 0 rg BT 503.77 180.30 Td (than ) Tj ET Q q 0 0 0 rg BT 523.55 180.30 Td (not ) Tj ET Q q 0 0 0 rg BT 538.89 180.30 Td (that ) Tj ET Q q 0 0 0 rg BT 556.45 180.30 Td (it ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 168.30 Td (will ) Tj ET Q q 0 0 0 rg BT 68.06 168.30 Td (be ) Tj ET Q q 0 0 0 rg BT 80.00 168.30 Td (able ) Tj ET Q q 0 0 0 rg BT 99.15 168.30 Td (to ) Tj ET Q q 0 0 0 rg BT 109.43 168.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 130.82 168.30 Td (utilize ) Tj ET Q q 0 0 0 rg BT 158.31 168.30 Td (the ) Tj ET Q q 0 0 0 rg BT 173.02 168.30 Td (Federal ) Tj ET Q q 0 0 0 rg BT 205.51 168.30 Td (and ) Tj ET Q q 0 0 0 rg BT 222.45 168.30 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 256.05 168.30 Td (NOLs ) Tj ET Q q 0 0 0 rg BT 283.00 168.30 Td (and ) Tj ET Q q 0 0 0 rg BT 299.94 168.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 314.65 168.30 Td (credits ) Tj ET Q q 0 0 0 rg BT 343.81 168.30 Td (in ) Tj ET Q q 0 0 0 rg BT 354.09 168.30 Td (future ) Tj ET Q q 0 0 0 rg BT 380.46 168.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 395.18 168.30 Td (years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 144.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.86 144.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.06 144.30 Td (is ) Tj ET Q q 0 0 0 rg BT 118.04 144.30 Td (required ) Tj ET Q q 0 0 0 rg BT 153.67 144.30 Td (to ) Tj ET Q q 0 0 0 rg BT 163.76 144.30 Td (record ) Tj ET Q q 0 0 0 rg BT 191.61 144.30 Td (a ) Tj ET Q q 0 0 0 rg BT 198.36 144.30 Td (liability ) Tj ET Q q 0 0 0 rg BT 231.78 144.30 Td (\(or ) Tj ET Q q 0 0 0 rg BT 245.75 144.30 Td (a ) Tj ET Q q 0 0 0 rg BT 252.50 144.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 292.58 144.30 Td (of ) Tj ET Q q 0 0 0 rg BT 303.22 144.30 Td (an ) Tj ET Q q 0 0 0 rg BT 314.97 144.30 Td (asset\) ) Tj ET Q q 0 0 0 rg BT 340.05 144.30 Td (for ) Tj ET Q q 0 0 0 rg BT 354.02 144.30 Td (the ) Tj ET Q q 0 0 0 rg BT 368.55 144.30 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 415.84 144.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 459.25 144.30 Td (with ) Tj ET Q q 0 0 0 rg BT 479.34 144.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 508.85 144.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 523.38 144.30 Td (positions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 132.30 Td (This ) Tj ET Q q 0 0 0 rg BT 69.39 132.30 Td (liability) Tj ET Q q 0 0 0 rg BT 99.85 132.30 Td (, ) Tj ET Q q 0 0 0 rg BT 103.96 132.30 Td (if ) Tj ET Q q 0 0 0 rg BT 111.68 132.30 Td (any) Tj ET Q q 0 0 0 rg BT 125.47 132.30 Td (, ) Tj ET Q q 0 0 0 rg BT 129.58 132.30 Td (reflects ) Tj ET Q q 0 0 0 rg BT 160.62 132.30 Td (the ) Tj ET Q q 0 0 0 rg BT 174.44 132.30 Td (fact ) Tj ET Q q 0 0 0 rg BT 191.04 132.30 Td (that ) Tj ET Q q 0 0 0 rg BT 207.65 132.30 Td (the ) Tj ET Q q 0 0 0 rg BT 221.47 132.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 261.97 132.30 Td (has ) Tj ET Q q 0 0 0 rg BT 276.91 132.30 Td (not ) Tj ET Q q 0 0 0 rg BT 291.30 132.30 Td (recognized ) Tj ET Q q 0 0 0 rg BT 336.78 132.30 Td (the ) Tj ET Q q 0 0 0 rg BT 350.61 132.30 Td (benefit ) Tj ET Q q 0 0 0 rg BT 379.98 132.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 422.69 132.30 Td (with ) Tj ET Q q 0 0 0 rg BT 442.08 132.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.90 132.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 469.73 132.30 Td (position. ) Tj ET Q q 0 0 0 rg BT 505.95 132.30 Td (The ) Tj ET Q q 0 0 0 rg BT 523.11 132.30 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.30 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.24 120.30 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.24 120.30 Td ( ) Tj ET Q q 0 0 0 rg BT 80.05 120.30 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 136.72 120.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 151.74 120.30 Td (benefits ) Tj ET Q q 0 0 0 rg BT 186.20 120.30 Td (at ) Tj ET Q q 0 0 0 rg BT 196.22 120.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 255.11 120.30 Td (2014 ) Tj ET Q q 0 0 0 rg BT 277.92 120.30 Td (and ) Tj ET Q q 0 0 0 rg BT 295.16 120.30 Td (it ) Tj ET Q q 0 0 0 rg BT 303.52 120.30 Td (did ) Tj ET Q q 0 0 0 rg BT 319.10 120.30 Td (not ) Tj ET Q q 0 0 0 rg BT 334.69 120.30 Td (have ) Tj ET Q q 0 0 0 rg BT 356.37 120.30 Td (increases ) Tj ET Q q 0 0 0 rg BT 395.82 120.30 Td (or ) Tj ET Q q 0 0 0 rg BT 406.96 120.30 Td (decreases ) Tj ET Q q 0 0 0 rg BT 448.07 120.30 Td (in ) Tj ET Q q 0 0 0 rg BT 458.65 120.30 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 515.32 120.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 530.34 120.30 Td (benefits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.30 Td (during ) Tj ET Q q 0 0 0 rg BT 78.45 108.30 Td (2015 ) Tj ET Q q 0 0 0 rg BT 100.80 108.30 Td (and ) Tj ET Q q 0 0 0 rg BT 117.58 108.30 Td (does ) Tj ET Q q 0 0 0 rg BT 138.25 108.30 Td (not ) Tj ET Q q 0 0 0 rg BT 153.37 108.30 Td (have ) Tj ET Q q 0 0 0 rg BT 174.59 108.30 Td (any ) Tj ET Q q 0 0 0 rg BT 191.38 108.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 205.94 108.30 Td (positions ) Tj ET Q q 0 0 0 rg BT 244.40 108.30 Td (for ) Tj ET Q q 0 0 0 rg BT 258.40 108.30 Td (which ) Tj ET Q q 0 0 0 rg BT 285.19 108.30 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 341.39 108.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 355.95 108.30 Td (benefits ) Tj ET Q q 0 0 0 rg BT 389.95 108.30 Td (must ) Tj ET Q q 0 0 0 rg BT 411.74 108.30 Td (be ) Tj ET Q q 0 0 0 rg BT 423.53 108.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 460.84 108.30 Td (at ) Tj ET Q q 0 0 0 rg BT 470.41 108.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 528.83 108.30 Td (2015. ) Tj ET Q q 0 0 0 rg BT 553.68 108.30 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 86.62 96.30 Td (for ) Tj ET Q q 0 0 0 rg BT 99.62 96.30 Td (the ) Tj ET Q q 0 0 0 rg BT 113.18 96.30 Td (year ) Tj ET Q q 0 0 0 rg BT 131.72 96.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 156.94 96.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 214.37 96.30 Td (2015, ) Tj ET Q q 0 0 0 rg BT 238.21 96.30 Td (the ) Tj ET Q q 0 0 0 rg BT 251.77 96.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 292.00 96.30 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.67 96.30 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.67 96.30 Td ( ) Tj ET Q q 0 0 0 rg BT 318.01 96.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 348.79 96.30 Td (or ) Tj ET Q q 0 0 0 rg BT 358.46 96.30 Td (penalties ) Tj ET Q q 0 0 0 rg BT 395.34 96.30 Td (relating ) Tj ET Q q 0 0 0 rg BT 427.23 96.30 Td (to ) Tj ET Q q 0 0 0 rg BT 436.35 96.30 Td (income ) Tj ET Q q 0 0 0 rg BT 467.12 96.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 480.68 96.30 Td (positions ) Tj ET Q q 0 0 0 rg BT 518.14 96.30 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.30 Td (in ) Tj ET Q q 0 0 0 rg BT 60.60 84.30 Td (the ) Tj ET Q q 0 0 0 rg BT 75.63 84.30 Td (income ) Tj ET Q q 0 0 0 rg BT 107.88 84.30 Td (statement ) Tj ET Q q 0 0 0 rg BT 149.02 84.30 Td (or ) Tj ET Q q 0 0 0 rg BT 160.17 84.30 Td (in ) Tj ET Q q 0 0 0 rg BT 170.76 84.30 Td (the ) Tj ET Q q 0 0 0 rg BT 185.80 84.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 219.15 84.30 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 245.01 84.30 Td (If ) Tj ET Q q 0 0 0 rg BT 254.49 84.30 Td (the ) Tj ET Q q 0 0 0 rg BT 269.52 84.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 311.23 84.30 Td (were ) Tj ET Q q 0 0 0 rg BT 333.47 84.30 Td (to ) Tj ET Q q 0 0 0 rg BT 344.07 84.30 Td (record ) Tj ET Q q 0 0 0 rg BT 372.42 84.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 404.67 84.30 Td (and ) Tj ET Q q 0 0 0 rg BT 421.93 84.30 Td (penalties ) Tj ET Q q 0 0 0 rg BT 460.29 84.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 504.20 84.30 Td (with ) Tj ET Q q 0 0 0 rg BT 524.79 84.30 Td (uncertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.97 72.30 Td (positions ) Tj ET Q q 0 0 0 rg BT 103.84 72.30 Td (or ) Tj ET Q q 0 0 0 rg BT 114.92 72.30 Td (as ) Tj ET Q q 0 0 0 rg BT 126.00 72.30 Td (a ) Tj ET Q q 0 0 0 rg BT 133.19 72.30 Td (result ) Tj ET Q q 0 0 0 rg BT 158.15 72.30 Td (of ) Tj ET Q q 0 0 0 rg BT 169.23 72.30 Td (an ) Tj ET Q q 0 0 0 rg BT 181.42 72.30 Td (audit ) Tj ET Q q 0 0 0 rg BT 204.17 72.30 Td (by ) Tj ET Q q 0 0 0 rg BT 216.92 72.30 Td (a ) Tj ET Q q 0 0 0 rg BT 224.11 72.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 239.08 72.30 Td (jurisdiction, ) Tj ET Q q 0 0 0 rg BT 289.88 72.30 Td (the ) Tj ET Q q 0 0 0 rg BT 304.84 72.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 337.03 72.30 Td (and ) Tj ET Q q 0 0 0 rg BT 354.22 72.30 Td (penalties ) Tj ET Q q 0 0 0 rg BT 392.51 72.30 Td (would ) Tj ET Q q 0 0 0 rg BT 420.26 72.30 Td (be ) Tj ET Q q 0 0 0 rg BT 432.45 72.30 Td (included ) Tj ET Q q 0 0 0 rg BT 469.63 72.30 Td (in ) Tj ET Q q 0 0 0 rg BT 480.16 72.30 Td (income ) Tj ET Q q 0 0 0 rg BT 512.35 72.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 527.31 72.30 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 60.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.47 60.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.27 60.30 Td (does ) Tj ET Q q 0 0 0 rg BT 131.52 60.30 Td (not ) Tj ET Q q 0 0 0 rg BT 147.22 60.30 Td (believe ) Tj ET Q q 0 0 0 rg BT 179.01 60.30 Td (it ) Tj ET Q q 0 0 0 rg BT 187.49 60.30 Td (is ) Tj ET Q q 0 0 0 rg BT 197.08 60.30 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 243.32 60.30 Td (possible ) Tj ET Q q 0 0 0 rg BT 279.01 60.30 Td (that ) Tj ET Q q 0 0 0 rg BT 296.93 60.30 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 353.71 60.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 368.85 60.30 Td (benefits ) Tj ET Q q 0 0 0 rg BT 403.42 60.30 Td (will ) Tj ET Q q 0 0 0 rg BT 421.90 60.30 Td (significantly ) Tj ET Q q 0 0 0 rg BT 474.81 60.30 Td (change ) Tj ET Q q 0 0 0 rg BT 506.04 60.30 Td (in ) Tj ET Q q 0 0 0 rg BT 516.74 60.30 Td (the ) Tj ET Q q 0 0 0 rg BT 531.88 60.30 Td (next ) Tj ET Q q 0 0 0 rg BT 552.02 60.30 Td (12 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 48.30 Td (months.) Tj ET Q endstream endobj 281 0 obj <> endobj 282 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (140) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.74 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.82 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.45 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 137.09 730.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 186.49 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 200.89 730.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 231.41 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 241.38 730.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 261.35 730.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 291.30 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 322.92 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 337.33 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 347.85 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 367.26 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 377.78 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 409.41 730.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 423.82 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.79 730.10 Td (numerous ) Tj ET Q q 0 0 0 rg BT 475.42 730.10 Td (state ) Tj ET Q q 0 0 0 rg BT 495.93 730.10 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 547.57 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.91 718.10 Td (Canada. ) Tj ET Q q 0 0 0 rg BT 96.53 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 108.00 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.35 718.10 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 160.36 718.10 Td (course ) Tj ET Q q 0 0 0 rg BT 189.59 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.06 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 238.09 718.10 Td (we ) Tj ET Q q 0 0 0 rg BT 252.88 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 268.22 718.10 Td (routinely ) Tj ET Q q 0 0 0 rg BT 307.46 718.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 338.92 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.83 718.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 372.96 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 386.10 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.45 718.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 429.58 718.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 474.93 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.39 718.10 Td (these ) Tj ET Q q 0 0 0 rg BT 510.07 718.10 Td (jurisdictions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Currently) Tj ET Q q 0 0 0 rg BT 87.68 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 92.66 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.36 706.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 154.42 706.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 174.69 706.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 204.92 706.10 Td (income ) Tj ET Q q 0 0 0 rg BT 236.84 706.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 251.54 706.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 281.79 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 296.48 706.10 Td (open ) Tj ET Q q 0 0 0 rg BT 318.40 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.32 706.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 366.13 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 376.39 706.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 398.87 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 413.02 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.71 706.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 450.20 706.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 464.90 706.10 Td (return ) Tj ET Q q 0 0 0 rg BT 491.26 706.10 Td (year ) Tj ET Q q 0 0 0 rg BT 510.95 706.10 Td (forward, ) Tj ET Q q 0 0 0 rg BT 547.58 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.07 694.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 94.28 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.79 694.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 155.66 694.10 Td (state ) Tj ET Q q 0 0 0 rg BT 176.27 694.10 Td (income ) Tj ET Q q 0 0 0 rg BT 208.00 694.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 222.50 694.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 252.56 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 267.06 694.10 Td (open ) Tj ET Q q 0 0 0 rg BT 288.79 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.52 694.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 336.13 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.20 694.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 368.49 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 390.21 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.72 694.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 427.01 694.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 441.52 694.10 Td (return ) Tj ET Q q 0 0 0 rg BT 467.69 694.10 Td (year ) Tj ET Q q 0 0 0 rg BT 487.18 694.10 Td (forward, ) Tj ET Q q 0 0 0 rg BT 523.62 694.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.24 694.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 92.75 682.10 Td (state ) Tj ET Q q 0 0 0 rg BT 113.26 682.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 145.45 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.98 682.10 Td (limitation. ) Tj ET Q q 0 0 0 rg BT 199.40 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 217.14 682.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 263.91 682.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 303.87 682.10 Td (subsidiary's ) Tj ET Q q 0 0 0 rg BT 352.87 682.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 392.82 682.10 Td (income ) Tj ET Q q 0 0 0 rg BT 424.45 682.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 438.86 682.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 468.83 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 483.23 682.10 Td (also ) Tj ET Q q 0 0 0 rg BT 501.53 682.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 532.05 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.02 682.10 Td (audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.88 670.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 101.38 670.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 116.09 670.10 Td (return ) Tj ET Q q 0 0 0 rg BT 142.47 670.10 Td (year ) Tj ET Q q 0 0 0 rg BT 162.18 670.10 Td (forward.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (\(17\) Stock Compensation Plans and Other) Tj ET Q q 0 0 0 rg BT 229.56 646.10 Td ( Employee Benefit Plans) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (Stock Incentive Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.61 604.10 Td (May ) Tj ET Q q 0 0 0 rg BT 83.22 604.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 109.00 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.50 604.10 Td (Company) Tj ET Q q 0 0 0 rg BT 166.17 604.10 Td (s ) Tj ET Q q 0 0 0 rg BT 173.34 604.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 227.16 604.10 Td (approved ) Tj ET Q q 0 0 0 rg BT 267.65 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.14 604.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 306.43 604.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 332.49 604.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 372.97 604.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 394.03 604.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 417.29 604.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 440.58 604.10 Td (Plan\) ) Tj ET Q q 0 0 0 rg BT 469.40 604.10 Td (which ) Tj ET Q q 0 0 0 rg BT 497.12 604.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 534.84 604.10 Td (for ) Tj ET Q q 0 0 0 rg BT 549.79 604.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 86.63 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.72 592.10 Td (up ) Tj ET Q q 0 0 0 rg BT 110.47 592.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.01 592.10 Td (5,485,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.01 592.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.76 592.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 191.51 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.59 592.10 Td (common ) Tj ET Q q 0 0 0 rg BT 240.34 592.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 266.51 592.10 Td (The ) Tj ET Q q 0 0 0 rg BT 284.81 592.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 307.57 592.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 328.10 592.10 Td (replaced ) Tj ET Q q 0 0 0 rg BT 364.72 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.69 592.10 Td (2007 ) Tj ET Q q 0 0 0 rg BT 402.44 592.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 427.98 592.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 467.94 592.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 488.47 592.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 511.21 592.10 Td (2007 ) Tj ET Q q 0 0 0 rg BT 533.97 592.10 Td (Plan\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.67 580.10 Td (replaced ) Tj ET Q q 0 0 0 rg BT 112.75 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.20 580.10 Td (1997 ) Tj ET Q q 0 0 0 rg BT 149.42 580.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 174.43 580.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 213.86 580.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 233.86 580.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 256.07 580.10 Td (1997 ) Tj ET Q q 0 0 0 rg BT 278.30 580.10 Td (Plan\). ) Tj ET Q q 0 0 0 rg BT 308.41 580.10 Td (The ) Tj ET Q q 0 0 0 rg BT 326.19 580.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 348.41 580.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 370.92 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.36 580.10 Td (2007 ) Tj ET Q q 0 0 0 rg BT 407.59 580.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 427.59 580.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.26 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.70 580.10 Td (1997 ) Tj ET Q q 0 0 0 rg BT 480.93 580.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 500.93 580.10 Td (are ) Tj ET Q q 0 0 0 rg BT 515.37 580.10 Td (collectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 568.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 84.02 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.18 568.10 Td (as ) Tj ET Q q 0 0 0 rg BT 104.90 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.94 568.10 Td (Plans. ) Tj ET Q q 0 0 0 rg BT 154.76 568.10 Td (The ) Tj ET Q q 0 0 0 rg BT 172.69 568.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 195.07 568.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 215.23 568.10 Td (has ) Tj ET Q q 0 0 0 rg BT 230.95 568.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 283.89 568.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 314.04 568.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 338.64 568.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.81 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.41 568.10 Td (2007 ) Tj ET Q q 0 0 0 rg BT 385.79 568.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 405.95 568.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.78 568.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.38 568.10 Td (1997 ) Tj ET Q q 0 0 0 rg BT 459.76 568.10 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 482.43 568.10 Td (Outstanding ) Tj ET Q q 0 0 0 rg BT 533.70 568.10 Td (awards ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 556.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.41 556.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.26 556.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 114.57 556.10 Td (for ) Tj ET Q q 0 0 0 rg BT 128.86 556.10 Td (which ) Tj ET Q q 0 0 0 rg BT 155.94 556.10 Td (common ) Tj ET Q q 0 0 0 rg BT 193.57 556.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 221.20 556.10 Td (are ) Tj ET Q q 0 0 0 rg BT 236.04 556.10 Td (not ) Tj ET Q q 0 0 0 rg BT 251.46 556.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 279.09 556.10 Td (by ) Tj ET Q q 0 0 0 rg BT 291.73 556.10 Td (reason ) Tj ET Q q 0 0 0 rg BT 320.46 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.43 556.10 Td (cancellation, ) Tj ET Q q 0 0 0 rg BT 384.87 556.10 Td (forfeiture, ) Tj ET Q q 0 0 0 rg BT 427.76 556.10 Td (lapse ) Tj ET Q q 0 0 0 rg BT 450.95 556.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.91 556.10 Td (such ) Tj ET Q q 0 0 0 rg BT 482.88 556.10 Td (award ) Tj ET Q q 0 0 0 rg BT 509.95 556.10 Td (or ) Tj ET Q q 0 0 0 rg BT 520.91 556.10 Td (settlement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.78 544.10 Td (such ) Tj ET Q q 0 0 0 rg BT 81.56 544.10 Td (award ) Tj ET Q q 0 0 0 rg BT 108.44 544.10 Td (in ) Tj ET Q q 0 0 0 rg BT 118.67 544.10 Td (cash, ) Tj ET Q q 0 0 0 rg BT 141.39 544.10 Td (are ) Tj ET Q q 0 0 0 rg BT 156.05 544.10 Td (again ) Tj ET Q q 0 0 0 rg BT 180.16 544.10 Td (available ) Tj ET Q q 0 0 0 rg BT 218.70 544.10 Td (under ) Tj ET Q q 0 0 0 rg BT 243.92 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.58 544.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 281.04 544.10 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 303.22 544.10 Td (All ) Tj ET Q q 0 0 0 rg BT 318.45 544.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 345.34 544.10 Td (made ) Tj ET Q q 0 0 0 rg BT 369.45 544.10 Td (after ) Tj ET Q q 0 0 0 rg BT 390.22 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.88 544.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 442.32 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.10 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.77 544.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 490.22 544.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 510.45 544.10 Td (will ) Tj ET Q q 0 0 0 rg BT 528.46 544.10 Td (be ) Tj ET Q q 0 0 0 rg BT 540.35 544.10 Td (made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 532.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 86.62 532.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.59 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.99 532.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 133.17 532.10 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 155.15 532.10 Td (As ) Tj ET Q q 0 0 0 rg BT 168.45 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.97 532.10 Td (December ) Tj ET Q q 0 0 0 rg BT 222.24 532.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 236.92 532.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 261.61 532.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.55 532.10 Td (5.6 ) Tj ET Q q 0 0 0 rg BT 336.24 532.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.13 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 367.31 532.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 394.49 532.10 Td (were ) Tj ET Q q 0 0 0 rg BT 416.10 532.10 Td (available ) Tj ET Q q 0 0 0 rg BT 454.38 532.10 Td (for ) Tj ET Q q 0 0 0 rg BT 468.22 532.10 Td (future ) Tj ET Q q 0 0 0 rg BT 494.28 532.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 520.91 532.10 Td (\(assuming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.59 520.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 107.52 520.10 Td (number ) Tj ET Q q 0 0 0 rg BT 140.44 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.15 520.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 178.51 520.10 Td (are ) Tj ET Q q 0 0 0 rg BT 193.10 520.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 220.47 520.10 Td (for ) Tj ET Q q 0 0 0 rg BT 234.51 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.10 520.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 302.00 520.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 332.69 520.10 Td (outstanding.\) ) Tj ET Q q 0 0 0 rg BT 387.39 520.10 Td (The ) Tj ET Q q 0 0 0 rg BT 405.31 520.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 429.36 520.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 453.94 520.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 506.87 520.10 Td (all ) Tj ET Q q 0 0 0 rg BT 519.24 520.10 Td (employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.28 508.10 Td (W) Tj ET Q q 0 0 0 rg BT 70.32 508.10 Td (intrust. ) Tj ET Q q 0 0 0 rg BT 101.33 508.10 Td (The ) Tj ET Q q 0 0 0 rg BT 120.05 508.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 181.01 508.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 228.62 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.13 508.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.53 508.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 283.15 508.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.66 508.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 335.05 508.10 Td (administers ) Tj ET Q q 0 0 0 rg BT 384.33 508.10 Td (all ) Tj ET Q q 0 0 0 rg BT 397.51 508.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 447.89 508.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 506.62 508.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 547.56 508.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 93.59 496.10 Td (all ) Tj ET Q q 0 0 0 rg BT 106.09 496.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 136.91 496.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 169.39 496.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 206.33 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 216.61 496.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.33 496.10 Td (Plans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.08 475.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 90.28 475.10 Td (permit ) Tj ET Q q 0 0 0 rg BT 117.91 475.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.66 475.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 153.74 475.10 Td (of ) Tj ET Q q 0 0 0 rg BT 163.60 475.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 201.78 475.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 224.42 475.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 257.90 475.10 Td (non-qualified ) Tj ET Q q 0 0 0 rg BT 313.30 475.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 335.94 475.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 369.42 475.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 392.06 475.10 Td (appreciation ) Tj ET Q q 0 0 0 rg BT 443.01 475.10 Td (rights, ) Tj ET Q q 0 0 0 rg BT 469.82 475.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 492.46 475.10 Td (awards, ) Tj ET Q q 0 0 0 rg BT 524.81 475.10 Td (restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 463.10 Td (share ) Tj ET Q q 0 0 0 rg BT 73.50 463.10 Td (or ) Tj ET Q q 0 0 0 rg BT 84.23 463.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 102.19 463.10 Td (awards, ) Tj ET Q q 0 0 0 rg BT 135.41 463.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 188.33 463.10 Td (based ) Tj ET Q q 0 0 0 rg BT 213.50 463.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 244.23 463.10 Td (settled ) Tj ET Q q 0 0 0 rg BT 272.73 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 282.91 463.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 310.30 463.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.03 463.10 Td (common ) Tj ET Q q 0 0 0 rg BT 358.43 463.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 381.94 463.10 Td (and ) Tj ET Q q 0 0 0 rg BT 398.78 463.10 Td (other ) Tj ET Q q 0 0 0 rg BT 421.73 463.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 460.78 463.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 491.50 463.10 Td (based ) Tj ET Q q 0 0 0 rg BT 516.67 463.10 Td (in ) Tj ET Q q 0 0 0 rg BT 526.85 463.10 Td (whole ) Tj ET Q q 0 0 0 rg BT 553.69 463.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 451.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.49 451.10 Td (part ) Tj ET Q q 0 0 0 rg BT 78.74 451.10 Td (by ) Tj ET Q q 0 0 0 rg BT 91.45 451.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 131.34 451.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.82 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.75 451.10 Td (Company) Tj ET Q q 0 0 0 rg BT 198.41 451.10 Td (s ) Tj ET Q q 0 0 0 rg BT 205.01 451.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 228.83 451.10 Td (price. ) Tj ET Q q 0 0 0 rg BT 253.83 451.10 Td (The ) Tj ET Q q 0 0 0 rg BT 272.08 451.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 313.67 451.10 Td (historically ) Tj ET Q q 0 0 0 rg BT 361.37 451.10 Td (awarded ) Tj ET Q q 0 0 0 rg BT 397.95 451.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 447.86 451.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 506.11 451.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.60 451.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.52 451.10 Td (form ) Tj ET Q q 0 0 0 rg BT 553.67 451.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (time-vested ) Tj ET Q q 0 0 0 rg BT 98.87 439.10 Td (nonqualified ) Tj ET Q q 0 0 0 rg BT 151.63 439.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 174.96 439.10 Td (options ) Tj ET Q q 0 0 0 rg BT 206.63 439.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.29 439.10 Td (time-vested ) Tj ET Q q 0 0 0 rg BT 272.16 439.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 311.58 439.10 Td (share ) Tj ET Q q 0 0 0 rg BT 334.90 439.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 352.68 439.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 383.22 439.10 Td (\(restricted ) Tj ET Q q 0 0 0 rg BT 430.41 439.10 Td (shares\). ) Tj ET Q q 0 0 0 rg BT 467.89 439.10 Td (In ) Tj ET Q q 0 0 0 rg BT 478.44 439.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 512.59 439.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.03 439.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 553.69 439.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (options ) Tj ET Q q 0 0 0 rg BT 82.63 427.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 116.35 427.10 Td (for ) Tj ET Q q 0 0 0 rg BT 131.19 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.59 427.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 185.30 427.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 213.47 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.98 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.38 427.10 Td (Company) Tj ET Q q 0 0 0 rg BT 282.04 427.10 Td (s ) Tj ET Q q 0 0 0 rg BT 289.11 427.10 Td (common ) Tj ET Q q 0 0 0 rg BT 327.29 427.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 351.57 427.10 Td (at ) Tj ET Q q 0 0 0 rg BT 361.97 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.36 427.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 394.42 427.10 Td (market ) Tj ET Q q 0 0 0 rg BT 425.36 427.10 Td (value ) Tj ET Q q 0 0 0 rg BT 450.20 427.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.70 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.10 427.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 501.39 427.10 Td (on ) Tj ET Q q 0 0 0 rg BT 514.57 427.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.96 427.10 Td (date ) Tj ET Q q 0 0 0 rg BT 549.79 427.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (options ) Tj ET Q q 0 0 0 rg BT 81.88 415.10 Td (are ) Tj ET Q q 0 0 0 rg BT 96.52 415.10 Td (granted. ) Tj ET Q q 0 0 0 rg BT 131.44 415.10 Td (Options ) Tj ET Q q 0 0 0 rg BT 165.55 415.10 Td (under ) Tj ET Q q 0 0 0 rg BT 190.75 415.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.40 415.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 227.83 415.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 248.05 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.92 415.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.57 415.10 Td (2007 ) Tj ET Q q 0 0 0 rg BT 302.00 415.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 322.22 415.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 361.85 415.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 380.40 415.10 Td (ratably ) Tj ET Q q 0 0 0 rg BT 410.59 415.10 Td (over ) Tj ET Q q 0 0 0 rg BT 430.80 415.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 462.67 415.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.43 415.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.42 415.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.85 415.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.06 415.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.61 415.10 Td ( ) Tj ET Q q 0 0 0 rg BT 524.05 415.10 Td (years ) Tj ET Q q 0 0 0 rg BT 547.58 415.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.18 403.10 Td (a ) Tj ET Q q 0 0 0 rg BT 77.93 403.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 120.79 403.10 Td (term ) Tj ET Q q 0 0 0 rg BT 141.42 403.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.06 403.10 Td (seven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.83 403.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.13 403.10 Td (years ) Tj ET Q q 0 0 0 rg BT 200.54 403.10 Td (from ) Tj ET Q q 0 0 0 rg BT 222.29 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.81 403.10 Td (date ) Tj ET Q q 0 0 0 rg BT 255.77 403.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.41 403.10 Td (grant. ) Tj ET Q q 0 0 0 rg BT 291.76 403.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 316.85 403.10 Td (options ) Tj ET Q q 0 0 0 rg BT 348.60 403.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 380.90 403.10 Td (under ) Tj ET Q q 0 0 0 rg BT 405.97 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.50 403.10 Td (1997 ) Tj ET Q q 0 0 0 rg BT 442.80 403.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 462.89 403.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 500.74 403.10 Td (for ) Tj ET Q q 0 0 0 rg BT 514.71 403.10 Td (a ) Tj ET Q q 0 0 0 rg BT 521.46 403.10 Td (maximum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (term ) Tj ET Q q 0 0 0 rg BT 71.04 391.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.09 391.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.09 391.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.81 391.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 121.13 391.10 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 164.39 391.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 192.10 391.10 Td (entitle ) Tj ET Q q 0 0 0 rg BT 219.81 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.74 391.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 266.90 391.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.40 391.10 Td (receive, ) Tj ET Q q 0 0 0 rg BT 311.48 391.10 Td (at ) Tj ET Q q 0 0 0 rg BT 321.41 391.10 Td (no ) Tj ET Q q 0 0 0 rg BT 334.13 391.10 Td (cost, ) Tj ET Q q 0 0 0 rg BT 355.46 391.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 383.17 391.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.22 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.15 391.10 Td (Company) Tj ET Q q 0 0 0 rg BT 450.82 391.10 Td (s ) Tj ET Q q 0 0 0 rg BT 457.43 391.10 Td (common ) Tj ET Q q 0 0 0 rg BT 495.14 391.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 521.47 391.10 Td (Restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.49 379.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 117.19 379.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 135.80 379.10 Td (over ) Tj ET Q q 0 0 0 rg BT 156.07 379.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 188.01 379.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.84 379.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.28 379.10 Td ( ) Tj ET Q q 0 0 0 rg BT 215.78 379.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.05 379.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 379.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.10 379.10 Td (years ) Tj ET Q q 0 0 0 rg BT 267.70 379.10 Td (from ) Tj ET Q q 0 0 0 rg BT 289.64 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.36 379.10 Td (date ) Tj ET Q q 0 0 0 rg BT 323.51 379.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.34 379.10 Td (grant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 96.02 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 108.15 358.10 Td (201) Tj ET Q q 0 0 0 rg BT 122.78 358.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 134.64 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.21 358.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 194.45 358.10 Td (has ) Tj ET Q q 0 0 0 rg BT 212.14 358.10 Td (awarded ) Tj ET Q q 0 0 0 rg BT 250.36 358.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 281.37 358.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 310.16 358.10 Td (under ) Tj ET Q q 0 0 0 rg BT 337.29 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.86 358.10 Td (Long-T) Tj ET Q q 0 0 0 rg BT 383.71 358.10 Td (erm ) Tj ET Q q 0 0 0 rg BT 403.61 358.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 445.16 358.10 Td (Program ) Tj ET Q q 0 0 0 rg BT 483.96 358.10 Td (\(L) Tj ET Q q 0 0 0 rg BT 496.92 358.10 Td (TIP\), ) Tj ET Q q 0 0 0 rg BT 526.54 358.10 Td (which ) Tj ET Q q 0 0 0 rg BT 555.33 358.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (administered ) Tj ET Q q 0 0 0 rg BT 104.42 346.10 Td (under ) Tj ET Q q 0 0 0 rg BT 129.95 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.93 346.10 Td (Plans. ) Tj ET Q q 0 0 0 rg BT 171.87 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 174.43 346.10 Td (The ) Tj ET Q q 0 0 0 rg BT 192.74 346.10 Td (L) Tj ET Q q 0 0 0 rg BT 197.93 346.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 212.56 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 215.33 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 224.76 346.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 263.07 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 273.62 346.10 Td (part ) Tj ET Q q 0 0 0 rg BT 291.93 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.47 346.10 Td (align ) Tj ET Q q 0 0 0 rg BT 325.23 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.22 346.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 376.31 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.40 346.10 Td (management ) Tj ET Q q 0 0 0 rg BT 441.26 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 461.80 346.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 497.89 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.98 346.10 Td (shareholders, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (foster ) Tj ET Q q 0 0 0 rg BT 76.75 334.10 Td (retention, ) Tj ET Q q 0 0 0 rg BT 118.78 334.10 Td (create ) Tj ET Q q 0 0 0 rg BT 146.62 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.05 334.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 198.46 334.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 224.11 334.10 Td (based ) Tj ET Q q 0 0 0 rg BT 250.86 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 264.84 334.10 Td (sustainable ) Tj ET Q q 0 0 0 rg BT 313.26 334.10 Td (results ) Tj ET Q q 0 0 0 rg BT 343.35 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.78 334.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 396.31 334.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 446.94 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 455.36 334.10 Td (tar) Tj ET Q q 0 0 0 rg BT 465.73 334.10 Td (get ) Tj ET Q q 0 0 0 rg BT 481.93 334.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 525.35 334.10 Td (incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (opportunity) Tj ET Q q 0 0 0 rg BT 96.02 322.10 Td (. ) Tj ET Q q 0 0 0 rg BT 101.06 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 103.61 322.10 Td (It ) Tj ET Q q 0 0 0 rg BT 112.26 322.10 Td (is ) Tj ET Q q 0 0 0 rg BT 121.48 322.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 167.89 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 185.43 322.10 Td (L) Tj ET Q q 0 0 0 rg BT 190.63 322.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 205.25 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 207.80 322.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 238.67 322.10 Td (will ) Tj ET Q q 0 0 0 rg BT 256.77 322.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 293.75 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.07 322.10 Td (be ) Tj ET Q q 0 0 0 rg BT 316.06 322.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 348.59 322.10 Td (annually) Tj ET Q q 0 0 0 rg BT 382.38 322.10 Td (. ) Tj ET Q q 0 0 0 rg BT 387.42 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 389.97 322.10 Td (L) Tj ET Q q 0 0 0 rg BT 395.16 322.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 409.79 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 412.33 322.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 439.32 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 449.64 322.10 Td (date ) Tj ET Q q 0 0 0 rg BT 468.85 322.10 Td (have ) Tj ET Q q 0 0 0 rg BT 490.27 322.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 530.03 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 540.91 322.10 Td (time-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 78.48 310.10 Td (nonqualified ) Tj ET Q q 0 0 0 rg BT 131.95 310.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 155.99 310.10 Td (options ) Tj ET Q q 0 0 0 rg BT 188.37 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.74 310.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 285.29 310.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 309.33 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.70 310.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 347.40 310.10 Td (awards. ) Tj ET Q q 0 0 0 rg BT 381.15 310.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 406.86 310.10 Td (options ) Tj ET Q q 0 0 0 rg BT 439.24 310.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 472.16 310.10 Td (under ) Tj ET Q q 0 0 0 rg BT 497.86 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.01 310.10 Td (L) Tj ET Q q 0 0 0 rg BT 518.20 310.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 532.82 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 535.76 310.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.56 310.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (term ) Tj ET Q q 0 0 0 rg BT 71.33 298.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.67 298.10 Td (seven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.44 298.10 Td (years ) Tj ET Q q 0 0 0 rg BT 129.55 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.99 298.10 Td (will ) Tj ET Q q 0 0 0 rg BT 165.56 298.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 205.77 298.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 224.88 298.10 Td (equally ) Tj ET Q q 0 0 0 rg BT 257.32 298.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.10 298.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.09 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.09 298.10 Td (years ) Tj ET Q q 0 0 0 rg BT 325.20 298.10 Td (based ) Tj ET Q q 0 0 0 rg BT 350.98 298.10 Td (on ) Tj ET Q q 0 0 0 rg BT 363.98 298.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 406.43 298.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 440.25 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 443.26 298.10 Td (Performance-based ) Tj ET Q q 0 0 0 rg BT 523.45 298.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 547.56 298.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.42 286.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 101.40 286.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 134.04 286.10 Td (under ) Tj ET Q q 0 0 0 rg BT 159.47 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.34 286.10 Td (L) Tj ET Q q 0 0 0 rg BT 179.53 286.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 194.16 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 196.82 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 211.68 286.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 256.55 286.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 279.20 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.08 286.10 Td (achievement ) Tj ET Q q 0 0 0 rg BT 347.26 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.25 286.10 Td (pre-established ) Tj ET Q q 0 0 0 rg BT 421.44 286.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 463.53 286.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 516.70 286.10 Td (goals ) Tj ET Q q 0 0 0 rg BT 540.47 286.10 Td (set ) Tj ET Q q 0 0 0 rg BT 554.23 286.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 85.46 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 98.17 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.09 274.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 173.57 274.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 220.72 274.10 Td (over ) Tj ET Q q 0 0 0 rg BT 241.19 274.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.34 274.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.32 274.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 291.56 274.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 322.12 274.10 Td (These ) Tj ET Q q 0 0 0 rg BT 348.71 274.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 401.93 274.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 432.96 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 447.88 274.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 480.57 274.10 Td (at ) Tj ET Q q 0 0 0 rg BT 490.49 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 497.64 274.10 Td (tar) Tj ET Q q 0 0 0 rg BT 508.00 274.10 Td (get ) Tj ET Q q 0 0 0 rg BT 522.92 274.10 Td (level, ) Tj ET Q q 0 0 0 rg BT 547.56 274.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.12 262.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.47 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.04 262.10 Td (Company) Tj ET Q q 0 0 0 rg BT 143.70 262.10 Td (s ) Tj ET Q q 0 0 0 rg BT 149.95 262.10 Td (achievement ) Tj ET Q q 0 0 0 rg BT 202.82 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.51 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.07 262.10 Td (pre-established ) Tj ET Q q 0 0 0 rg BT 290.96 262.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 332.74 262.10 Td (goals, ) Tj ET Q q 0 0 0 rg BT 358.70 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.27 262.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 399.49 262.10 Td (payouts ) Tj ET Q q 0 0 0 rg BT 432.95 262.10 Td (can ) Tj ET Q q 0 0 0 rg BT 449.18 262.10 Td (range ) Tj ET Q q 0 0 0 rg BT 473.74 262.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.53 262.10 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.86 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 511.21 262.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.34 262.10 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.67 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.02 262.10 Td (\(for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 80.86 250.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 113.38 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 123.70 250.10 Td (2015\) ) Tj ET Q q 0 0 0 rg BT 149.57 250.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.44 250.10 Td (200%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.77 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 186.31 250.10 Td (\(for ) Tj ET Q q 0 0 0 rg BT 203.84 250.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 234.70 250.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 267.22 250.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 289.20 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.52 250.10 Td (2015\) ) Tj ET Q q 0 0 0 rg BT 325.39 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.25 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.01 250.10 Td (tar) Tj ET Q q 0 0 0 rg BT 361.38 250.10 Td (get ) Tj ET Q q 0 0 0 rg BT 376.13 250.10 Td (award. ) Tj ET Q q 0 0 0 rg BT 405.42 250.10 Td (The ) Tj ET Q q 0 0 0 rg BT 423.50 250.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 454.36 250.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 473.01 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 483.33 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.08 250.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 528.94 250.10 Td (after ) Tj ET Q q 0 0 0 rg BT 549.79 250.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (end ) Tj ET Q q 0 0 0 rg BT 66.23 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 76.35 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.35 238.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 142.66 238.10 Td (period ) Tj ET Q q 0 0 0 rg BT 170.00 238.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 191.79 238.10 Td (certification ) Tj ET Q q 0 0 0 rg BT 241.88 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.00 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.00 238.10 Td (payout ) Tj ET Q q 0 0 0 rg BT 295.01 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 306.80 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.80 238.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 380.37 238.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 426.59 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.71 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.72 238.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 476.94 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 487.06 238.10 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 528.56 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 530.35 238.10 Td (Holders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 226.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 139.95 226.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 163.56 226.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 194.38 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 209.09 226.10 Td (entitled ) Tj ET Q q 0 0 0 rg BT 241.58 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.86 226.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 279.35 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.18 226.10 Td (common ) Tj ET Q q 0 0 0 rg BT 327.67 226.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 351.28 226.10 Td (at ) Tj ET Q q 0 0 0 rg BT 361.00 226.10 Td (no ) Tj ET Q q 0 0 0 rg BT 373.50 226.10 Td (cost.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.10 Td (Holders ) Tj ET Q q 0 0 0 rg BT 83.62 205.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.91 205.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 133.07 205.10 Td (share ) Tj ET Q q 0 0 0 rg BT 156.13 205.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 186.41 205.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.81 205.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 281.39 205.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 304.46 205.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 334.73 205.10 Td (received ) Tj ET Q q 0 0 0 rg BT 370.56 205.10 Td (under ) Tj ET Q q 0 0 0 rg BT 395.28 205.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.46 205.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 433.09 205.10 Td (are ) Tj ET Q q 0 0 0 rg BT 447.26 205.10 Td (not ) Tj ET Q q 0 0 0 rg BT 461.99 205.10 Td (entitled ) Tj ET Q q 0 0 0 rg BT 493.94 205.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.68 205.10 Td (vote ) Tj ET Q q 0 0 0 rg BT 522.86 205.10 Td (or ) Tj ET Q q 0 0 0 rg BT 533.15 205.10 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.24 193.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 111.59 193.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 125.72 193.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 145.96 193.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 186.75 193.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 210.87 193.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.12 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.81 193.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 256.04 193.10 Td (dividends\) ) Tj ET Q q 0 0 0 rg BT 300.73 193.10 Td (on ) Tj ET Q q 0 0 0 rg BT 313.20 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 327.88 193.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 373.67 193.10 Td (common ) Tj ET Q q 0 0 0 rg BT 411.14 193.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 438.60 193.10 Td (until ) Tj ET Q q 0 0 0 rg BT 459.40 193.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.08 193.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 504.87 193.10 Td (are ) Tj ET Q q 0 0 0 rg BT 519.55 193.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 547.56 193.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.10 Td (issued. ) Tj ET Q q 0 0 0 rg BT 80.83 181.10 Td (Except ) Tj ET Q q 0 0 0 rg BT 111.92 181.10 Td (in ) Tj ET Q q 0 0 0 rg BT 123.03 181.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 154.69 181.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 217.16 181.10 Td (these ) Tj ET Q q 0 0 0 rg BT 241.03 181.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 272.68 181.10 Td (are ) Tj ET Q q 0 0 0 rg BT 288.22 181.10 Td (canceled ) Tj ET Q q 0 0 0 rg BT 326.52 181.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 349.85 181.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 399.28 181.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.94 181.10 Td (employment ) Tj ET Q q 0 0 0 rg BT 464.25 181.10 Td (without ) Tj ET Q q 0 0 0 rg BT 498.14 181.10 Td (any ) Tj ET Q q 0 0 0 rg BT 515.91 181.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 553.67 181.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 169.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 106.37 169.10 Td (by ) Tj ET Q q 0 0 0 rg BT 118.87 169.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.59 169.10 Td (Company) Tj ET Q q 0 0 0 rg BT 171.83 169.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (Stock-based ) Tj ET Q q 0 0 0 rg BT 100.91 148.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 158.48 148.10 Td (is ) Tj ET Q q 0 0 0 rg BT 167.18 148.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 207.53 148.10 Td (as ) Tj ET Q q 0 0 0 rg BT 217.89 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.14 148.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 248.05 148.10 Td (value ) Tj ET Q q 0 0 0 rg BT 271.73 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.09 148.10 Td (an ) Tj ET Q q 0 0 0 rg BT 293.56 148.10 Td (award ) Tj ET Q q 0 0 0 rg BT 320.02 148.10 Td (on ) Tj ET Q q 0 0 0 rg BT 332.06 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.30 148.10 Td (date ) Tj ET Q q 0 0 0 rg BT 364.99 148.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.35 148.10 Td (grant, ) Tj ET Q q 0 0 0 rg BT 400.43 148.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.90 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.15 148.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 471.49 148.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 489.63 148.10 Td (is ) Tj ET Q q 0 0 0 rg BT 498.33 148.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 544.23 148.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.26 136.10 Td (period ) Tj ET Q q 0 0 0 rg BT 93.84 136.10 Td (which ) Tj ET Q q 0 0 0 rg BT 121.32 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.58 136.10 Td (recipient ) Tj ET Q q 0 0 0 rg BT 174.60 136.10 Td (is ) Tj ET Q q 0 0 0 rg BT 184.31 136.10 Td (required ) Tj ET Q q 0 0 0 rg BT 220.66 136.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.48 136.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 265.07 136.10 Td (service ) Tj ET Q q 0 0 0 rg BT 296.42 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 307.24 136.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 348.03 136.10 Td (for ) Tj ET Q q 0 0 0 rg BT 362.73 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.99 136.10 Td (award. ) Tj ET Q q 0 0 0 rg BT 407.74 136.10 Td (The ) Tj ET Q q 0 0 0 rg BT 426.32 136.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 443.24 136.10 Td (values ) Tj ET Q q 0 0 0 rg BT 471.83 136.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.20 136.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 523.44 136.10 Td (share ) Tj ET Q q 0 0 0 rg BT 547.58 136.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 124.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 129.44 124.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 153.37 124.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 184.51 124.10 Td (are ) Tj ET Q q 0 0 0 rg BT 199.53 124.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 247.33 124.10 Td (based ) Tj ET Q q 0 0 0 rg BT 272.92 124.10 Td (on ) Tj ET Q q 0 0 0 rg BT 285.74 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.77 124.10 Td (average ) Tj ET Q q 0 0 0 rg BT 334.68 124.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.83 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.86 124.10 Td (high ) Tj ET Q q 0 0 0 rg BT 381.46 124.10 Td (and ) Tj ET Q q 0 0 0 rg BT 398.72 124.10 Td (low ) Tj ET Q q 0 0 0 rg BT 416.53 124.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 447.68 124.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 474.37 124.10 Td (on ) Tj ET Q q 0 0 0 rg BT 487.19 124.10 Td (the ) Tj ET Q q 0 0 0 rg BT 502.23 124.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 525.59 124.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 547.57 124.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.90 112.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 81.45 112.10 Td (value ) Tj ET Q q 0 0 0 rg BT 105.78 112.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.79 112.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 140.58 112.10 Td (options ) Tj ET Q q 0 0 0 rg BT 172.71 112.10 Td (is ) Tj ET Q q 0 0 0 rg BT 182.05 112.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 223.05 112.10 Td (using ) Tj ET Q q 0 0 0 rg BT 247.40 112.10 Td (a ) Tj ET Q q 0 0 0 rg BT 254.52 112.10 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 314.96 112.10 Td (option-pricing ) Tj ET Q q 0 0 0 rg BT 374.85 112.10 Td (model ) Tj ET Q q 0 0 0 rg BT 402.52 112.10 Td (that ) Tj ET Q q 0 0 0 rg BT 420.20 112.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 451.76 112.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.65 112.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 518.78 112.10 Td (outlined ) Tj ET Q q 0 0 0 rg BT 554.23 112.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.66 100.10 Td (following ) Tj ET Q q 0 0 0 rg BT 106.00 100.10 Td (table. ) Tj ET Q q 0 0 0 rg BT 130.38 100.10 Td (Option-pricing ) Tj ET Q q 0 0 0 rg BT 192.26 100.10 Td (models ) Tj ET Q q 0 0 0 rg BT 223.60 100.10 Td (require ) Tj ET Q q 0 0 0 rg BT 254.36 100.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.02 100.10 Td (input ) Tj ET Q q 0 0 0 rg BT 292.03 100.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.81 100.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 330.81 100.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 373.80 100.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 425.70 100.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.58 100.10 Td (are ) Tj ET Q q 0 0 0 rg BT 457.24 100.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 494.68 100.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.91 100.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 539.56 100.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 100.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 88.10 Td (option) Tj ET Q q 0 0 0 rg BT 78.33 88.10 Td (s ) Tj ET Q q 0 0 0 rg BT 84.54 88.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 122.39 88.10 Td (life ) Tj ET Q q 0 0 0 rg BT 138.03 88.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.79 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.32 88.10 Td (price ) Tj ET Q q 0 0 0 rg BT 191.63 88.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 230.05 88.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.70 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.23 88.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 300.87 88.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 326.80 88.10 Td (which ) Tj ET Q q 0 0 0 rg BT 353.55 88.10 Td (can ) Tj ET Q q 0 0 0 rg BT 369.75 88.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 412.60 88.10 Td (af) Tj ET Q q 0 0 0 rg BT 420.19 88.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 437.49 88.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.03 88.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 468.22 88.10 Td (value ) Tj ET Q q 0 0 0 rg BT 492.19 88.10 Td (estimate. ) Tj ET Q q 0 0 0 rg BT 530.33 88.10 Td (Options ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 76.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 82.28 76.10 Td (in ) Tj ET Q q 0 0 0 rg BT 92.36 76.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 117.16 76.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 139.46 76.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.20 76.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 181.00 76.10 Td (were ) Tj ET Q q 0 0 0 rg BT 202.72 76.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 242.23 76.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 274.52 76.10 Td (as ) Tj ET Q q 0 0 0 rg BT 285.15 76.10 Td (L) Tj ET Q q 0 0 0 rg BT 290.34 76.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 304.97 76.10 Td ( ) Tj ET Q q 0 0 0 rg BT 307.26 76.10 Td (awards. ) Tj ET Q q 0 0 0 rg BT 340.38 76.10 Td ( ) Tj ET Q q 0 0 0 rg BT 342.52 76.10 Td (The ) Tj ET Q q 0 0 0 rg BT 360.36 76.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 398.19 76.10 Td (life ) Tj ET Q q 0 0 0 rg BT 413.82 76.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.45 76.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.96 76.10 Td (options ) Tj ET Q q 0 0 0 rg BT 470.71 76.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 502.99 76.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 539.73 76.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.81 76.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 64.10 Td (L) Tj ET Q q 0 0 0 rg BT 55.19 64.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 69.82 64.10 Td ( ) Tj ET Q q 0 0 0 rg BT 71.41 64.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 101.31 64.10 Td (is ) Tj ET Q q 0 0 0 rg BT 109.57 64.10 Td (based ) Tj ET Q q 0 0 0 rg BT 133.93 64.10 Td (on ) Tj ET Q q 0 0 0 rg BT 145.51 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.32 64.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 177.00 64.10 Td (harbor ) Tj ET Q q 0 0 0 rg BT 204.69 64.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 221.82 64.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.74 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.54 64.10 Td (SEC ) Tj ET Q q 0 0 0 rg BT 265.47 64.10 Td (Staf) Tj ET Q q 0 0 0 rg BT 281.40 64.10 Td (f ) Tj ET Q q 0 0 0 rg BT 285.96 64.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 334.21 64.10 Td (Bulletin ) Tj ET Q q 0 0 0 rg BT 368.01 64.10 Td (No.107 ) Tj ET Q q 0 0 0 rg BT 401.82 64.10 Td (Share-Based ) Tj ET Q q 0 0 0 rg BT 458.39 64.10 Td (Payment ) Tj ET Q q 0 0 0 rg BT 499.41 64.10 Td (as ) Tj ET Q q 0 0 0 rg BT 509.32 64.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 64.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 52.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 84.79 52.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 124.04 52.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 158.82 52.10 Td (data ) Tj ET Q q 0 0 0 rg BT 177.51 52.10 Td (may ) Tj ET Q q 0 0 0 rg BT 196.75 52.10 Td (not ) Tj ET Q q 0 0 0 rg BT 211.56 52.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 244.14 52.10 Td (a ) Tj ET Q q 0 0 0 rg BT 250.61 52.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 295.39 52.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 317.42 52.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.23 52.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 362.58 52.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.83 52.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 414.39 52.10 Td (term ) Tj ET Q q 0 0 0 rg BT 434.75 52.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.11 52.10 Td (these ) Tj ET Q q 0 0 0 rg BT 467.68 52.10 Td (options. ) Tj ET Q q 0 0 0 rg BT 501.66 52.10 Td (Expected ) Tj ET Q q 0 0 0 rg BT 540.89 52.10 Td (stock ) Tj ET Q endstream endobj 283 0 obj <> endobj 284 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (141) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (price ) Tj ET Q q 0 0 0 rg BT 72.92 742.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 111.96 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 121.57 742.10 Td (based ) Tj ET Q q 0 0 0 rg BT 147.27 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 160.21 742.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 200.35 742.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 239.39 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.66 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.81 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 307.48 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 314.30 742.10 Td (common ) Tj ET Q q 0 0 0 rg BT 352.23 742.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 378.77 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 406.15 742.10 Td (correlates ) Tj ET Q q 0 0 0 rg BT 447.94 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 468.66 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.81 742.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 522.28 742.10 Td (life ) Tj ET Q q 0 0 0 rg BT 538.54 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 742.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (options, ) Tj ET Q q 0 0 0 rg BT 83.48 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.46 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.21 730.10 Td (risk-free ) Tj ET Q q 0 0 0 rg BT 148.61 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 179.58 730.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 196.10 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 204.30 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 228.61 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.14 730.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 288.32 730.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 307.52 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 313.28 730.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 344.24 730.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 367.15 730.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 420.89 730.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 453.52 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.50 730.10 Td (adjusts ) Tj ET Q q 0 0 0 rg BT 498.81 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.56 730.10 Td (assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (used ) Tj ET Q q 0 0 0 rg BT 70.83 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 81.11 718.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 119.14 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.85 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 150.23 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 174.38 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.21 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 197.15 718.10 Td (option ) Tj ET Q q 0 0 0 rg BT 225.21 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.71 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.65 718.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 279.91 718.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 302.41 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.69 718.10 Td (better ) Tj ET Q q 0 0 0 rg BT 337.95 718.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 365.99 718.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 404.02 718.10 Td (trends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 701.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.35 701.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.04 701.10 Td (table ) Tj ET Q q 0 0 0 rg BT 132.28 701.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 167.85 701.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.87 701.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 222.33 701.10 Td (average ) Tj ET Q q 0 0 0 rg BT 256.22 701.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 308.47 701.10 Td (used ) Tj ET Q q 0 0 0 rg BT 329.61 701.10 Td (to ) Tj ET Q q 0 0 0 rg BT 340.19 701.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 382.98 701.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.00 701.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 414.68 701.10 Td (value ) Tj ET Q q 0 0 0 rg BT 439.14 701.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.27 701.10 Td (options ) Tj ET Q q 0 0 0 rg BT 482.52 701.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 515.31 701.10 Td (in ) Tj ET Q q 0 0 0 rg BT 525.90 701.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.92 701.10 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 689.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.72 689.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 138.30 689.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.30 689.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.30 689.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.30 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 185.80 689.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.74 689.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.74 689.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 666.60 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 666.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 666.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 666.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 666.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 666.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 666.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 638.60 299.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 638.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 638.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 638.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 638.60 67.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 638.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 495.50 638.60 67.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 678.6 m 349.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 678.6 m 353.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 678.6 m 420.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 666.6 m 420.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 678.6 m 424.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 666.6 m 424.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 678.6 m 491.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 666.6 m 491.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 678.6 m 495.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 666.6 m 495.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 678.6 m 562.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 666.6 m 562.5 666.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 610.6 m 349.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 610.6 m 353.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 610.6 m 420.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 610.6 m 424.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 610.6 m 491.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 610.6 m 495.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 495.5 610.6 m 562.5 610.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 670.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 669.86 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 519.50 669.86 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 657.17 Td (Expected dividend yield) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.50 657.28 Td (0.9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.00 657.28 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 657.17 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 657.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 657.17 Td (0.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 657.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 643.17 Td (Expected volatility) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 392.50 643.28 Td (26.5) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.00 643.28 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 643.17 Td (29.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 643.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 643.17 Td (59.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 643.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 629.17 Td (Risk-free rate) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.50 629.28 Td (1.3) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 410.00 629.28 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 629.17 Td (0.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.65 629.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 629.17 Td (1.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 629.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 615.17 Td (Expected option life \(in years\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.50 615.28 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.50 615.17 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.50 615.17 Td (4.5) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 590.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 76.25 590.10 Td (based ) Tj ET Q q 0 0 0 rg BT 102.49 590.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 161.50 590.10 Td (is ) Tj ET Q q 0 0 0 rg BT 171.64 590.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 218.97 590.10 Td (based ) Tj ET Q q 0 0 0 rg BT 245.21 590.10 Td (on ) Tj ET Q q 0 0 0 rg BT 258.67 590.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.36 590.10 Td (number ) Tj ET Q q 0 0 0 rg BT 308.38 590.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.18 590.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 351.97 590.10 Td (that ) Tj ET Q q 0 0 0 rg BT 370.43 590.10 Td (are ) Tj ET Q q 0 0 0 rg BT 386.11 590.10 Td (ultimately ) Tj ET Q q 0 0 0 rg BT 430.12 590.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 469.12 590.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.37 590.10 Td (vest. ) Tj ET Q q 0 0 0 rg BT 502.45 590.10 Td (Forfeitures ) Tj ET Q q 0 0 0 rg BT 549.79 590.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 578.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 91.10 578.10 Td (based ) Tj ET Q q 0 0 0 rg BT 116.64 578.10 Td (on ) Tj ET Q q 0 0 0 rg BT 129.42 578.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 169.41 578.10 Td (forfeiture ) Tj ET Q q 0 0 0 rg BT 209.94 578.10 Td (experience. ) Tj ET Q q 0 0 0 rg BT 258.52 578.10 Td (For ) Tj ET Q q 0 0 0 rg BT 275.19 578.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 354.59 578.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 378.47 578.10 Td (awards, ) Tj ET Q q 0 0 0 rg BT 412.07 578.10 Td (an ) Tj ET Q q 0 0 0 rg BT 424.29 578.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 460.38 578.10 Td (is ) Tj ET Q q 0 0 0 rg BT 469.83 578.10 Td (made ) Tj ET Q q 0 0 0 rg BT 494.26 578.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.37 578.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.37 578.10 Td (number ) Tj ET Q q 0 0 0 rg BT 553.69 578.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 566.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 76.92 566.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 114.38 566.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.09 566.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 142.13 566.10 Td (as ) Tj ET Q q 0 0 0 rg BT 152.39 566.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.76 566.10 Td (result ) Tj ET Q q 0 0 0 rg BT 182.91 566.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.17 566.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 218.97 566.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 271.42 566.10 Td (against ) Tj ET Q q 0 0 0 rg BT 301.68 566.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.82 566.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 368.28 566.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 398.52 566.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.23 566.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 450.14 566.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.28 566.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 496.21 566.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.47 566.10 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 554.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.54 554.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.65 554.10 Td (be ) Tj ET Q q 0 0 0 rg BT 106.42 554.10 Td (recognized. ) Tj ET Q q 0 0 0 rg BT 154.95 554.10 Td (The ) Tj ET Q q 0 0 0 rg BT 172.83 554.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 208.48 554.10 Td (is ) Tj ET Q q 0 0 0 rg BT 217.49 554.10 Td (reevaluated ) Tj ET Q q 0 0 0 rg BT 265.90 554.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 304.32 554.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.10 554.10 Td (total ) Tj ET Q q 0 0 0 rg BT 341.20 554.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 399.08 554.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 433.62 554.10 Td (is ) Tj ET Q q 0 0 0 rg BT 442.62 554.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 478.28 554.10 Td (for ) Tj ET Q q 0 0 0 rg BT 492.27 554.10 Td (any ) Tj ET Q q 0 0 0 rg BT 509.04 554.10 Td (change ) Tj ET Q q 0 0 0 rg BT 539.69 554.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.80 554.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 542.10 Td (current ) Tj ET Q q 0 0 0 rg BT 80.82 542.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 521.10 Td (Stock-based ) Tj ET Q q 0 0 0 rg BT 101.96 521.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 160.59 521.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 195.88 521.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 242.83 521.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.69 521.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.99 521.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 324.85 521.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 371.82 521.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.23 521.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 416.30 521.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.94 521.10 Td ($9.7 ) Tj ET Q q 0 0 0 rg BT 455.53 521.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.42 521.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 521.10 Td ($10.1 ) Tj ET Q q 0 0 0 rg BT 515.59 521.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.48 521.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.56 521.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 509.10 Td ($6.7 ) Tj ET Q q 0 0 0 rg BT 70.25 509.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.14 509.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.89 509.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.07 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.04 509.10 Td (related ) Tj ET Q q 0 0 0 rg BT 163.99 509.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 178.95 509.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 213.36 509.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.53 509.10 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 255.78 509.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.67 509.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.92 509.10 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 310.17 509.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.06 509.10 Td ( ) Tj ET Q q 0 0 0 rg BT 341.81 509.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 509.10 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 379.24 509.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.14 509.10 Td ( ) Tj ET Q q 0 0 0 rg BT 410.88 509.10 Td (in ) Tj ET Q q 0 0 0 rg BT 421.41 509.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 446.66 509.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 469.41 509.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.59 509.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 511.84 509.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 509.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 497.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.04 497.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 90.53 497.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 140.23 497.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 198.26 497.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 232.96 497.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 268.78 497.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.71 497.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 295.70 497.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.59 497.10 Td ( ) Tj ET Q q 0 0 0 rg BT 327.08 497.10 Td (char) Tj ET Q q 0 0 0 rg BT 344.11 497.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 356.04 497.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.19 497.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.12 497.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 430.71 497.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.98 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.69 497.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 508.71 497.10 Td (measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 485.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 81.03 485.10 Td (related ) Tj ET Q q 0 0 0 rg BT 110.96 485.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.46 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.40 485.10 Td (201) Tj ET Q q 0 0 0 rg BT 151.03 485.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 158.75 485.10 Td (L) Tj ET Q q 0 0 0 rg BT 163.94 485.10 Td (TIP) Tj ET Q q 0 0 0 rg BT 178.57 485.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.29 485.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 260.63 485.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 284.46 485.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 311.62 485.10 Td (that ) Tj ET Q q 0 0 0 rg BT 329.34 485.10 Td (were ) Tj ET Q q 0 0 0 rg BT 351.49 485.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 379.76 485.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.92 485.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 416.86 485.10 Td (out ) Tj ET Q q 0 0 0 rg BT 432.36 485.10 Td (in ) Tj ET Q q 0 0 0 rg BT 442.86 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.80 485.10 Td (first ) Tj ET Q q 0 0 0 rg BT 476.63 485.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 507.67 485.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.72 485.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 543.94 485.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.47 485.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 473.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 69.04 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 80.29 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.44 473.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 149.46 473.10 Td (was ) Tj ET Q q 0 0 0 rg BT 167.94 473.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 215.85 473.10 Td (based ) Tj ET Q q 0 0 0 rg BT 241.55 473.10 Td (on ) Tj ET Q q 0 0 0 rg BT 254.47 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.62 473.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 293.65 473.10 Td (price ) Tj ET Q q 0 0 0 rg BT 316.56 473.10 Td (on ) Tj ET Q q 0 0 0 rg BT 329.49 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.64 473.10 Td (date ) Tj ET Q q 0 0 0 rg BT 364.22 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.48 473.10 Td (re-measurement ) Tj ET Q q 0 0 0 rg BT 442.81 473.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.18 473.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 480.32 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 491.03 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.17 473.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 538.54 473.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 473.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 129.12 461.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 152.73 461.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 183.55 461.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.83 461.10 Td (cash.) Tj ET Q endstream endobj 285 0 obj <> endobj 286 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (142) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 742.10 Td ( summary of the Plans) Tj ET Q q 0 0 0 rg BT 148.69 742.10 Td ( stock option activity for the years ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.20 742.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.78 742.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.78 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.78 742.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.22 742.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.22 742.10 Td ( is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 706.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 706.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 706.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 706.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 706.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 706.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 706.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 706.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 706.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 680.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 680.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 680.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 680.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 680.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 680.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 680.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 680.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 680.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 654.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 654.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 654.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 654.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 654.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 654.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 654.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 654.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 654.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 628.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 628.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 628.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 628.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 628.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 628.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 628.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 628.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 628.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 602.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 602.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 602.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 602.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 602.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 602.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 602.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 602.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 602.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 576.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 576.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 576.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 576.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 576.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 576.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 576.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 576.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 576.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 550.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 550.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 550.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 550.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 550.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 550.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 550.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 550.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 550.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 524.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 524.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 524.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 524.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 524.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 524.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 524.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 524.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 524.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 498.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 498.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 498.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 498.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 498.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 498.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 498.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 498.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 498.60 66.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 472.60 213.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 263.50 472.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 472.60 72.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 472.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 472.60 69.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 472.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 472.60 76.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 472.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 472.60 66.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 731.6 m 263.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 706.6 m 263.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 731.6 m 267.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 706.6 m 267.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 731.6 m 339.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 706.6 m 339.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 731.6 m 343.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 706.6 m 343.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 731.6 m 412.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 706.6 m 412.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 731.6 m 416.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 706.6 m 416.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 731.6 m 492.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 706.6 m 492.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 731.6 m 496.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 706.6 m 496.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 731.6 m 562.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 706.6 m 562.5 706.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 654.6 m 263.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 654.6 m 267.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 654.6 m 339.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 654.6 m 343.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 654.6 m 412.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 654.6 m 416.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 654.6 m 492.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 654.6 m 496.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 654.6 m 562.5 654.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 641.6 m 263.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 628.6 m 263.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 641.6 m 267.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 628.6 m 267.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 641.6 m 339.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 628.6 m 339.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 641.6 m 343.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 628.6 m 343.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 641.6 m 412.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 628.6 m 412.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 641.6 m 416.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 628.6 m 416.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 641.6 m 492.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 628.6 m 492.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 641.6 m 496.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 628.6 m 496.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 641.6 m 562.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 628.6 m 562.5 628.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 576.6 m 263.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 576.6 m 267.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 576.6 m 339.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 576.6 m 343.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 576.6 m 412.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 576.6 m 416.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 576.6 m 492.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 576.6 m 496.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 576.6 m 562.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 563.6 m 263.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 550.6 m 263.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 563.6 m 267.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 550.6 m 267.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 563.6 m 339.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 550.6 m 339.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 563.6 m 343.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 550.6 m 343.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 563.6 m 412.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 550.6 m 412.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 563.6 m 416.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 550.6 m 416.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 563.6 m 492.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 550.6 m 492.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 563.6 m 496.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 550.6 m 496.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 563.6 m 562.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 550.6 m 562.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 485.6 m 263.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 485.6 m 267.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 485.6 m 339.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 485.6 m 343.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 485.6 m 412.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 485.6 m 416.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 485.6 m 492.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 485.6 m 496.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 485.6 m 562.5 485.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 472.6 m 263.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 472.6 m 267.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 472.6 m 339.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 472.6 m 343.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 472.6 m 412.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 472.6 m 416.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 472.6 m 492.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 472.6 m 496.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 472.6 m 562.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 459.6 m 263.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 446.6 m 263.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 459.6 m 267.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 263.5 446.6 m 267.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 459.6 m 339.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 267.5 446.6 m 339.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 459.6 m 343.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 446.6 m 343.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 459.6 m 412.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 446.6 m 412.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 459.6 m 416.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 446.6 m 416.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 459.6 m 492.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 446.6 m 492.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 459.6 m 496.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 446.6 m 496.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 459.6 m 562.5 459.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 446.6 m 562.5 446.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 710.83 Td (Stock Options) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.20 718.83 Td (Common) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.50 710.83 Td (Shar) Tj ET Q q 0 0 0 rg BT 307.80 710.83 Td (es) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.55 718.83 Td (W) Tj ET Q q 0 0 0 rg BT 354.11 718.83 Td (eighted ) Tj ET Q q 0 0 0 rg BT 380.55 718.83 Td (A) Tj ET Q q 0 0 0 rg BT 385.74 718.83 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 357.15 710.83 Td (StrikePrice) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.30 718.83 Td (Remaining) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 419.40 710.83 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 462.58 710.83 Td (T) Tj ET Q q 0 0 0 rg BT 467.19 710.83 Td (erm) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 480.95 715.36 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 499.95 720.83 Td (Intrinsic ) Tj ET Q q 0 0 0 rg BT 531.14 720.83 Td (V) Tj ET Q q 0 0 0 rg BT 536.18 720.83 Td (alue) Tj ET Q BT /F2 10.00 Tf ET BT /F2 6.50 Tf ET q 0 0 0 rg BT 550.41 725.36 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.30 710.83 Td (\($000\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 697.86 Td (Outstanding at January1, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 697.86 Td (1,745,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 697.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 697.86 Td (42.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 684.86 Td (Granted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.75 684.86 Td (236,120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 684.86 Td (38.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 671.86 Td (Exercised) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 671.86 Td (\(371,826) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 671.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 671.86 Td (40.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 658.86 Td (Forfeited or canceled) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.25 658.86 Td (\(85,049) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 658.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 658.86 Td (44.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 658.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 658.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 645.86 Td (Outstanding at December31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 645.86 Td (1,524,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 645.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 645.86 Td (42.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.35 645.86 Td (2.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 645.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 645.86 Td (11,021) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 632.86 Td (Exercisable at December31, 2013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 632.86 Td (1,097,836) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 632.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 632.86 Td (44.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.35 632.86 Td (1.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 632.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 632.86 Td (6,165) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 619.86 Td (Outstanding at January1, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 619.86 Td (1,524,672) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 619.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 619.86 Td (42.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 606.86 Td (Granted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.75 606.86 Td (447,153) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 606.86 Td (46.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 593.86 Td (Exercised) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 593.86 Td (\(176,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 593.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 593.86 Td (33.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 580.86 Td (Forfeited or canceled) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.75 580.86 Td (\(177,390) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 580.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 580.86 Td (52.55) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 419.00 580.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 580.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 567.86 Td (Outstanding at December31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.00 567.86 Td (1,618,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 567.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 567.86 Td (43.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.35 567.86 Td (3.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 567.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 567.86 Td (9,303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 554.86 Td (Exercisable at December31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.75 554.86 Td (941,741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.75 554.86 Td (43.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.35 554.86 Td (2.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 554.86 Td (6,392) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 542.00 Td (Outstanding at January1, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 542.00 Td (1,618,426) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.00 542.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 542.00 Td (43.00) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 529.00 Td (Granted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 529.00 Td (502,517) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 529.00 Td (44.36) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 516.00 Td (Options outstanding in acquired plans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 311.25 516.00 Td (16,364) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 516.00 Td (21.18) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 503.00 Td (Exercised) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 503.00 Td (\(273,411) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 503.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 503.00 Td (42.82) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 490.00 Td (Forfeited or canceled) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.75 490.00 Td (\(312,162) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.00 490.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 490.00 Td (52.53) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 477.00 Td (Outstanding at December31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 477.00 Td (1,551,734) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.00 477.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 477.00 Td (41.32) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.35 477.00 Td (4.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 477.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 477.00 Td (11,433) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 464.00 Td (Exercisable at December31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.75 464.00 Td (720,580) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.00 464.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 464.00 Td (37.64) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.35 464.00 Td (3.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 464.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 538.75 464.00 Td (8,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 451.00 Td (Vested or expected to vest at December31, 2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 300.00 451.00 Td (1,534,045) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 388.75 451.00 Td (41.28) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 448.35 451.00 Td (4.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.00 451.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 451.00 Td (11,371) Tj ET Q BT /F1 10.00 Tf ET BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 437.50 Td (\(1\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 437.50 Td (Repr) Tj ET Q q 0 0 0 rg BT 95.70 437.50 Td (esents ) Tj ET Q q 0 0 0 rg BT 117.25 437.50 Td (the ) Tj ET Q q 0 0 0 rg BT 129.03 437.50 Td (weighted ) Tj ET Q q 0 0 0 rg BT 159.91 437.50 Td (average ) Tj ET Q q 0 0 0 rg BT 187.68 437.50 Td (contractual ) Tj ET Q q 0 0 0 rg BT 226.56 437.50 Td (r) Tj ET Q q 0 0 0 rg BT 229.38 437.50 Td (emaining ) Tj ET Q q 0 0 0 rg BT 261.15 437.50 Td (life ) Tj ET Q q 0 0 0 rg BT 273.37 437.50 Td (in ) Tj ET Q q 0 0 0 rg BT 281.59 437.50 Td (years.) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 62.45 427.90 Td (\(2\) ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 427.90 Td (Aggr) Tj ET Q q 0 0 0 rg BT 96.15 427.90 Td (egate ) Tj ET Q q 0 0 0 rg BT 115.70 427.90 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 144.58 427.90 Td (value ) Tj ET Q q 0 0 0 rg BT 164.13 427.90 Td (r) Tj ET Q q 0 0 0 rg BT 166.94 427.90 Td (epr) Tj ET Q q 0 0 0 rg BT 177.31 427.90 Td (esents ) Tj ET Q q 0 0 0 rg BT 199.08 427.90 Td (the ) Tj ET Q q 0 0 0 rg BT 211.07 427.90 Td (total ) Tj ET Q q 0 0 0 rg BT 227.96 427.90 Td (pr) Tj ET Q q 0 0 0 rg BT 234.77 427.90 Td (etax ) Tj ET Q q 0 0 0 rg BT 250.32 427.90 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 279.20 427.90 Td (value ) Tj ET Q q 0 0 0 rg BT 298.75 427.90 Td (\(i.e., ) Tj ET Q q 0 0 0 rg BT 315.40 427.90 Td (the ) Tj ET Q q 0 0 0 rg BT 327.40 427.90 Td (differ) Tj ET Q q 0 0 0 rg BT 344.43 427.90 Td (ence ) Tj ET Q q 0 0 0 rg BT 361.30 427.90 Td (between ) Tj ET Q q 0 0 0 rg BT 389.73 427.90 Td (the ) Tj ET Q q 0 0 0 rg BT 401.72 427.90 Td (Company) Tj ET Q q 0 0 0 rg BT 434.02 427.90 Td (s ) Tj ET Q q 0 0 0 rg BT 439.35 427.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 458.01 427.90 Td (price ) Tj ET Q q 0 0 0 rg BT 476.66 427.90 Td (at ) Tj ET Q q 0 0 0 rg BT 485.11 427.90 Td (year ) Tj ET Q q 0 0 0 rg BT 501.54 427.90 Td (end ) Tj ET Q q 0 0 0 rg BT 515.31 427.90 Td (and ) Tj ET Q q 0 0 0 rg BT 529.53 427.90 Td (the ) Tj ET Q q 0 0 0 rg BT 541.52 427.90 Td (option ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 418.30 Td (exer) Tj ET Q q 0 0 0 rg BT 93.92 418.30 Td (cise ) Tj ET Q q 0 0 0 rg BT 108.56 418.30 Td (price, ) Tj ET Q q 0 0 0 rg BT 129.20 418.30 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 163.84 418.30 Td (by ) Tj ET Q q 0 0 0 rg BT 173.59 418.30 Td (the ) Tj ET Q q 0 0 0 rg BT 185.57 418.30 Td (number ) Tj ET Q q 0 0 0 rg BT 212.21 418.30 Td (of ) Tj ET Q q 0 0 0 rg BT 220.64 418.30 Td (shar) Tj ET Q q 0 0 0 rg BT 234.57 418.30 Td (es\) ) Tj ET Q q 0 0 0 rg BT 246.10 418.30 Td (that ) Tj ET Q q 0 0 0 rg BT 260.75 418.30 Td (would ) Tj ET Q q 0 0 0 rg BT 282.51 418.30 Td (have ) Tj ET Q q 0 0 0 rg BT 299.81 418.30 Td (been ) Tj ET Q q 0 0 0 rg BT 317.11 418.30 Td (r) Tj ET Q q 0 0 0 rg BT 319.93 418.30 Td (eceived ) Tj ET Q q 0 0 0 rg BT 346.11 418.30 Td (by ) Tj ET Q q 0 0 0 rg BT 355.86 418.30 Td (the ) Tj ET Q q 0 0 0 rg BT 367.84 418.30 Td (option ) Tj ET Q q 0 0 0 rg BT 390.49 418.30 Td (holders ) Tj ET Q q 0 0 0 rg BT 416.69 418.30 Td (if ) Tj ET Q q 0 0 0 rg BT 423.33 418.30 Td (they ) Tj ET Q q 0 0 0 rg BT 438.86 418.30 Td (had ) Tj ET Q q 0 0 0 rg BT 453.06 418.30 Td (exer) Tj ET Q q 0 0 0 rg BT 466.53 418.30 Td (cised ) Tj ET Q q 0 0 0 rg BT 485.17 418.30 Td (their ) Tj ET Q q 0 0 0 rg BT 502.48 418.30 Td (options ) Tj ET Q q 0 0 0 rg BT 528.24 418.30 Td (on ) Tj ET Q q 0 0 0 rg BT 538.45 418.30 Td (the ) Tj ET Q q 0 0 0 rg BT 550.42 418.30 Td (last ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 408.70 Td (day ) Tj ET Q q 0 0 0 rg BT 93.88 408.70 Td (of ) Tj ET Q q 0 0 0 rg BT 101.98 408.70 Td (the ) Tj ET Q q 0 0 0 rg BT 113.63 408.70 Td (year) Tj ET Q q 0 0 0 rg BT 126.96 408.70 Td (. ) Tj ET Q q 0 0 0 rg BT 130.84 408.70 Td (Options ) Tj ET Q q 0 0 0 rg BT 158.06 408.70 Td (with ) Tj ET Q q 0 0 0 rg BT 173.72 408.70 Td (exer) Tj ET Q q 0 0 0 rg BT 187.18 408.70 Td (cise ) Tj ET Q q 0 0 0 rg BT 201.50 408.70 Td (prices ) Tj ET Q q 0 0 0 rg BT 222.93 408.70 Td (above ) Tj ET Q q 0 0 0 rg BT 243.91 408.70 Td (the ) Tj ET Q q 0 0 0 rg BT 255.56 408.70 Td (year ) Tj ET Q q 0 0 0 rg BT 271.66 408.70 Td (end ) Tj ET Q q 0 0 0 rg BT 285.09 408.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 303.40 408.70 Td (price ) Tj ET Q q 0 0 0 rg BT 321.72 408.70 Td (ar) Tj ET Q q 0 0 0 rg BT 328.54 408.70 Td (e ) Tj ET Q q 0 0 0 rg BT 333.97 408.70 Td (excluded ) Tj ET Q q 0 0 0 rg BT 364.27 408.70 Td (fr) Tj ET Q q 0 0 0 rg BT 369.31 408.70 Td (om ) Tj ET Q q 0 0 0 rg BT 380.97 408.70 Td (the ) Tj ET Q q 0 0 0 rg BT 392.62 408.70 Td (calculation ) Tj ET Q q 0 0 0 rg BT 430.49 408.70 Td (of ) Tj ET Q q 0 0 0 rg BT 438.59 408.70 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 467.14 408.70 Td (value. ) Tj ET Q q 0 0 0 rg BT 488.34 408.70 Td (The ) Tj ET Q q 0 0 0 rg BT 502.22 408.70 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 530.77 408.70 Td (value ) Tj ET Q q 0 0 0 rg BT 549.97 408.70 Td (will ) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 80.45 399.10 Td (change ) Tj ET Q q 0 0 0 rg BT 105.55 399.10 Td (based ) Tj ET Q q 0 0 0 rg BT 126.22 399.10 Td (on ) Tj ET Q q 0 0 0 rg BT 136.22 399.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.99 399.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 161.55 399.10 Td (market ) Tj ET Q q 0 0 0 rg BT 185.76 399.10 Td (value ) Tj ET Q q 0 0 0 rg BT 205.09 399.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.31 399.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.08 399.10 Td (Company) Tj ET Q q 0 0 0 rg BT 257.38 399.10 Td (s ) Tj ET Q q 0 0 0 rg BT 262.49 399.10 Td (stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 378.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.60 378.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 108.31 378.10 Td (average ) Tj ET Q q 0 0 0 rg BT 142.45 378.10 Td (per ) Tj ET Q q 0 0 0 rg BT 158.27 378.10 Td (share ) Tj ET Q q 0 0 0 rg BT 182.42 378.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 206.03 378.10 Td (date ) Tj ET Q q 0 0 0 rg BT 225.73 378.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 242.67 378.10 Td (value ) Tj ET Q q 0 0 0 rg BT 267.38 378.10 Td (of ) Tj ET Q q 0 0 0 rg BT 278.76 378.10 Td (options ) Tj ET Q q 0 0 0 rg BT 311.26 378.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 344.30 378.10 Td (during ) Tj ET Q q 0 0 0 rg BT 373.46 378.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.74 378.10 Td (years ) Tj ET Q q 0 0 0 rg BT 412.89 378.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 439.82 378.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 498.96 378.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 524.51 378.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 547.57 378.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 366.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 73.67 366.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.88 366.10 Td ($9.72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.38 366.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.55 366.10 Td ($1) Tj ET Q q 0 0 0 rg BT 131.18 366.10 Td (1.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.68 366.10 Td ( ) Tj ET Q q 0 0 0 rg BT 152.34 366.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.45 366.10 Td ($17.49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.95 366.10 Td (, ) Tj ET Q q 0 0 0 rg BT 204.12 366.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 251.78 366.10 Td (. ) Tj ET Q q 0 0 0 rg BT 257.68 366.10 Td (The ) Tj ET Q q 0 0 0 rg BT 276.89 366.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 319.42 366.10 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 355.86 366.10 Td (value ) Tj ET Q q 0 0 0 rg BT 381.18 366.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.18 366.10 Td (options ) Tj ET Q q 0 0 0 rg BT 426.29 366.10 Td (exercised ) Tj ET Q q 0 0 0 rg BT 467.71 366.10 Td (during ) Tj ET Q q 0 0 0 rg BT 497.48 366.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.37 366.10 Td (years ) Tj ET Q q 0 0 0 rg BT 538.13 366.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 354.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.38 354.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 133.17 354.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 155.47 354.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.20 354.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 196.99 354.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.84 354.10 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 234.63 354.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.52 354.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.32 354.10 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 288.11 354.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.00 354.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.30 354.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.03 354.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 355.82 354.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.71 354.10 Td (, ) Tj ET Q q 0 0 0 rg BT 389.51 354.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 437.17 354.10 Td (. ) Tj ET Q q 0 0 0 rg BT 441.80 354.10 Td (The ) Tj ET Q q 0 0 0 rg BT 459.64 354.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 485.80 354.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 500.32 354.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 530.37 354.10 Td (realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 342.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.78 342.10 Td (the ) Tj ET Q q 0 0 0 rg BT 80.12 342.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 95.45 342.10 Td (deductions ) Tj ET Q q 0 0 0 rg BT 141.90 342.10 Td (from ) Tj ET Q q 0 0 0 rg BT 164.46 342.10 Td (option ) Tj ET Q q 0 0 0 rg BT 193.13 342.10 Td (exercises ) Tj ET Q q 0 0 0 rg BT 232.90 342.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.23 342.10 Td ($985,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.73 342.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.35 342.10 Td ($900,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.85 342.10 Td ( ) Tj ET Q q 0 0 0 rg BT 346.97 342.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.53 342.10 Td ($485,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.03 342.10 Td ( ) Tj ET Q q 0 0 0 rg BT 405.15 342.10 Td (for ) Tj ET Q q 0 0 0 rg BT 419.93 342.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 445.55 342.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 468.67 342.10 Td (and ) Tj ET Q q 0 0 0 rg BT 486.23 342.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 511.85 342.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.51 342.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 330.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 72.57 330.10 Td (received ) Tj ET Q q 0 0 0 rg BT 109.01 330.10 Td (from ) Tj ET Q q 0 0 0 rg BT 131.02 330.10 Td (option ) Tj ET Q q 0 0 0 rg BT 159.15 330.10 Td (exercises ) Tj ET Q q 0 0 0 rg BT 198.37 330.10 Td (under ) Tj ET Q q 0 0 0 rg BT 223.71 330.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.50 330.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 262.74 330.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.98 330.10 Td (the ) Tj ET Q q 0 0 0 rg BT 291.77 330.10 Td (years ) Tj ET Q q 0 0 0 rg BT 315.44 330.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 341.89 330.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 400.55 330.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 425.62 330.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 448.19 330.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.21 330.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 487.78 330.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.90 330.10 Td ($1) Tj ET Q q 0 0 0 rg BT 515.53 330.10 Td (1.7 ) Tj ET Q q 0 0 0 rg BT 530.61 330.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 330.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 318.10 Td ($5.9 ) Tj ET Q q 0 0 0 rg BT 70.00 318.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 318.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.39 318.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.33 318.10 Td ($15.0 ) Tj ET Q q 0 0 0 rg BT 143.33 318.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.22 318.10 Td (, ) Tj ET Q q 0 0 0 rg BT 177.22 318.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 224.88 318.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 297.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 297.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.17 297.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 98.89 297.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.72 297.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.43 297.10 Td (Plans) Tj ET Q q 0 0 0 rg BT 148.69 297.10 Td ( ) Tj ET Q q 0 0 0 rg BT 151.19 297.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 190.89 297.10 Td (share ) Tj ET Q q 0 0 0 rg BT 214.49 297.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 246.98 297.10 Td (for ) Tj ET Q q 0 0 0 rg BT 261.14 297.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.86 297.10 Td (years ) Tj ET Q q 0 0 0 rg BT 299.46 297.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.83 297.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 384.42 297.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.42 297.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.42 297.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.42 297.10 Td ( ) Tj ET Q q 0 0 0 rg BT 431.92 297.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.86 297.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.86 297.10 Td ( ) Tj ET Q q 0 0 0 rg BT 471.36 297.10 Td (is ) Tj ET Q q 0 0 0 rg BT 480.53 297.10 Td (as ) Tj ET Q q 0 0 0 rg BT 491.36 297.10 Td (follows:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 286.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 215.80 165.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 215.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 215.80 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 215.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 215.80 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 215.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 215.80 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 215.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 215.80 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 215.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 215.80 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 215.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 215.80 59.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 191.80 165.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 191.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 191.80 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 191.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 191.80 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 191.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 191.80 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 191.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 191.80 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 191.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 191.80 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 191.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 191.80 59.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 167.80 165.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 215.50 167.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 167.80 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 273.50 167.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 277.50 167.80 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 167.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 167.80 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 167.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 167.80 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 167.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 167.80 49.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 499.50 167.80 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 167.80 59.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 275.79999999999995 m 215.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 275.79999999999995 m 219.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 275.79999999999995 m 273.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 263.79999999999995 m 273.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 275.79999999999995 m 277.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 263.79999999999995 m 277.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 275.79999999999995 m 331.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 263.79999999999995 m 331.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 275.79999999999995 m 335.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 263.79999999999995 m 335.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 275.79999999999995 m 384.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 263.79999999999995 m 384.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 275.79999999999995 m 388.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 263.79999999999995 m 388.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 275.79999999999995 m 446.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 263.79999999999995 m 446.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 275.79999999999995 m 450.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 263.79999999999995 m 450.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 275.79999999999995 m 499.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 263.79999999999995 m 499.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 275.79999999999995 m 503.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 263.79999999999995 m 503.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 275.79999999999995 m 562.5 275.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 263.79999999999995 m 562.5 263.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 215.79999999999995 m 215.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 215.79999999999995 m 219.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 215.79999999999995 m 273.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 215.79999999999995 m 277.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 215.79999999999995 m 331.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 215.79999999999995 m 335.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 215.79999999999995 m 384.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 215.79999999999995 m 388.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 215.79999999999995 m 446.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 215.79999999999995 m 450.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 215.79999999999995 m 499.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 215.79999999999995 m 503.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 215.79999999999995 m 562.5 215.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 167.79999999999995 m 273.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 167.79999999999995 m 277.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 167.79999999999995 m 331.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 167.79999999999995 m 335.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 167.79999999999995 m 384.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 167.79999999999995 m 388.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 167.79999999999995 m 446.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 167.79999999999995 m 450.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 167.79999999999995 m 499.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 167.79999999999995 m 503.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 167.79999999999995 m 562.5 167.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 143.79999999999995 m 215.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 215.5 143.79999999999995 m 219.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 155.79999999999995 m 273.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 143.79999999999995 m 273.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 155.79999999999995 m 277.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 273.5 143.79999999999995 m 277.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 155.79999999999995 m 331.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 277.5 143.79999999999995 m 331.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 155.79999999999995 m 335.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 143.79999999999995 m 335.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 155.79999999999995 m 384.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 143.79999999999995 m 384.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 155.79999999999995 m 388.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 143.79999999999995 m 388.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 155.79999999999995 m 446.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 143.79999999999995 m 446.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 155.79999999999995 m 450.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 143.79999999999995 m 450.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 155.79999999999995 m 499.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 143.79999999999995 m 499.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 155.79999999999995 m 503.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 499.5 143.79999999999995 m 503.5 143.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 155.79999999999995 m 562.5 155.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 143.79999999999995 m 562.5 143.79999999999995 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 267.75 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 266.00 267.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 267.06 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 267.06 Td (2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 220.03 Td (Restricted Shares) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 230.20 228.03 Td (Common) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 234.50 220.03 Td (Shar) Tj ET Q q 0 0 0 rg BT 250.80 220.03 Td (es) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 287.75 244.03 Td (W) Tj ET Q q 0 0 0 rg BT 295.31 244.03 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.05 236.03 Td (A) Tj ET Q q 0 0 0 rg BT 295.23 236.03 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.20 228.03 Td (Grant-Date) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.15 220.03 Td (Fair) Tj ET Q q 0 0 0 rg BT 300.67 220.03 Td ( ) Tj ET Q q 0 0 0 rg BT 302.52 220.03 Td (V) Tj ET Q q 0 0 0 rg BT 307.56 220.03 Td (alue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.60 228.05 Td (Common) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.80 220.05 Td (Shares) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 244.05 Td (W) Tj ET Q q 0 0 0 rg BT 408.66 244.05 Td (eighted) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.75 236.05 Td (A) Tj ET Q q 0 0 0 rg BT 408.93 236.05 Td (verage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.00 228.05 Td (Grant-Date) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.50 220.05 Td (Fair ) Tj ET Q q 0 0 0 rg BT 415.24 220.05 Td (V) Tj ET Q q 0 0 0 rg BT 420.13 220.05 Td (alue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.60 228.05 Td (Common) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.80 220.05 Td (Shares) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 244.05 Td (W) Tj ET Q q 0 0 0 rg BT 524.16 244.05 Td (eighted) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.25 236.05 Td (A) Tj ET Q q 0 0 0 rg BT 524.43 236.05 Td (verage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.50 228.05 Td (Grant-Date) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.00 220.05 Td (Fair ) Tj ET Q q 0 0 0 rg BT 530.74 220.05 Td (V) Tj ET Q q 0 0 0 rg BT 535.63 220.05 Td (alue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 207.06 Td (Outstanding at January1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 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Tf ET q 0 0 0 rg BT 341.60 671.85 Td (Common) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 345.80 663.85 Td (Shares) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.75 687.85 Td (W) Tj ET Q q 0 0 0 rg BT 406.66 687.85 Td (eighted) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 679.85 Td (A) Tj ET Q q 0 0 0 rg BT 406.93 679.85 Td (verage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.00 671.85 Td (Grant-Date) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.50 663.85 Td (Fair ) Tj ET Q q 0 0 0 rg BT 413.24 663.85 Td (V) Tj ET Q q 0 0 0 rg BT 418.13 663.85 Td (alue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.10 671.85 Td (Common) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.30 663.85 Td (Shares) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.75 687.85 Td (W) Tj ET Q q 0 0 0 rg BT 523.66 687.85 Td (eighted) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.75 679.85 Td (A) Tj ET Q q 0 0 0 rg BT 523.93 679.85 Td (verage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.00 671.85 Td (Grant-Date) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.50 663.85 Td (Fair ) Tj ET Q q 0 0 0 rg BT 530.24 663.85 Td (V) Tj ET Q q 0 0 0 rg BT 535.13 663.85 Td (alue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 650.86 Td (Outstanding at January1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 651.00 Td (295,679) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 651.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 651.00 Td (38.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 650.86 Td (307,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 650.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 650.86 Td (34.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 650.86 Td (214,565) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 650.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 650.86 Td (32.08) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 638.86 Td (Granted) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 639.00 Td (106,017) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 639.00 Td (44.35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.25 638.86 Td (93,535) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 638.86 Td (46.86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 638.86 Td (106,268) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 638.86 Td (37.90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 626.86 Td (Expired, canceled or forfeited) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.25 627.00 Td (\(46,573) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 627.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 627.00 Td (35.51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 626.86 Td (\(89,424) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 626.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 626.86 Td (33.78) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.25 626.86 Td (\(13,321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 626.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 626.86 Td (34.00) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 614.86 Td (Vested and issued) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 240.25 615.00 Td (\(78,590) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 268.00 615.00 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 615.00 Td (31.10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.25 614.86 Td (\(15,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.00 614.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 614.86 Td (33.25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 614.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 614.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 602.86 Td (Outstanding at end of year) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 238.75 603.00 Td (276,533) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 278.00 603.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.75 603.00 Td (43.01) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 602.86 Td (295,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 388.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 602.86 Td (38.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 602.86 Td (307,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 602.86 Td (34.01) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 576.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.31 576.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.50 576.10 Td (first ) Tj ET Q q 0 0 0 rg BT 92.58 576.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 122.87 576.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.18 576.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 157.65 576.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.84 576.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 193.82 576.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 220.23 576.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 247.75 576.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.17 576.10 Td (were ) Tj ET Q q 0 0 0 rg BT 285.57 576.10 Td (paid, ) Tj ET Q q 0 0 0 rg BT 307.26 576.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.68 576.10 Td (in ) Tj ET Q q 0 0 0 rg BT 333.43 576.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 357.91 576.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.10 576.10 Td (201) Tj ET Q q 0 0 0 rg BT 386.73 576.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 393.70 576.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 420.11 576.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 447.64 576.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.05 576.10 Td (were ) Tj ET Q q 0 0 0 rg BT 485.45 576.10 Td (paid. ) Tj ET Q q 0 0 0 rg BT 506.71 576.10 Td (As ) Tj ET Q q 0 0 0 rg BT 519.80 576.10 Td (previously ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 564.10 Td (discussed, ) Tj ET Q q 0 0 0 rg BT 93.49 564.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.37 564.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 168.80 564.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 215.90 564.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.89 564.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.77 564.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 268.87 564.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.86 564.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 319.72 564.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.71 564.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.59 564.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 387.14 564.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 425.90 564.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.78 564.10 Td (201) Tj ET Q q 0 0 0 rg BT 455.41 564.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 463.07 564.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 494.05 564.10 Td (such ) Tj ET Q q 0 0 0 rg BT 515.04 564.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.69 564.10 Td (17%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.02 564.10 Td ( ) Tj ET Q q 0 0 0 rg BT 553.68 564.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.74 552.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 95.59 552.10 Td (were ) Tj ET Q q 0 0 0 rg BT 117.54 552.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 137.29 552.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.59 552.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 175.11 552.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.07 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.81 552.10 Td (remainder ) Tj ET Q q 0 0 0 rg BT 249.87 552.10 Td (in ) Tj ET Q q 0 0 0 rg BT 260.18 552.10 Td (cash. ) Tj ET Q q 0 0 0 rg BT 282.97 552.10 Td ( ) Tj ET Q q 0 0 0 rg BT 284.94 552.10 Td (As ) Tj ET Q q 0 0 0 rg BT 298.58 552.10 Td (a ) Tj ET Q q 0 0 0 rg BT 305.54 552.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 332.78 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.53 552.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 390.60 552.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 418.11 552.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 450.62 552.10 Td (in ) Tj ET Q q 0 0 0 rg BT 460.93 552.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 507.32 552.10 Td (with ) Tj ET Q q 0 0 0 rg BT 527.63 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.37 552.10 Td (201) Tj ET Q q 0 0 0 rg BT 557.00 552.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 540.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 80.48 540.10 Td (were ) Tj ET Q q 0 0 0 rg BT 102.07 540.10 Td (canceled ) Tj ET Q q 0 0 0 rg BT 139.19 540.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.79 540.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 185.71 540.10 Td (available ) Tj ET Q q 0 0 0 rg BT 223.96 540.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.78 540.10 Td (future ) Tj ET Q q 0 0 0 rg BT 263.81 540.10 Td (use ) Tj ET Q q 0 0 0 rg BT 279.30 540.10 Td (under ) Tj ET Q q 0 0 0 rg BT 304.23 540.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.60 540.10 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 340.88 540.10 Td (The ) Tj ET Q q 0 0 0 rg BT 358.59 540.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 399.63 540.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 425.68 540.10 Td (new ) Tj ET Q q 0 0 0 rg BT 444.50 540.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 471.65 540.10 Td (to ) Tj ET Q q 0 0 0 rg BT 481.59 540.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 509.85 540.10 Td (its ) Tj ET Q q 0 0 0 rg BT 521.46 540.10 Td (obligation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 528.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 528.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 82.78 528.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 110.27 528.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 142.75 528.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 179.69 528.10 Td (to ) Tj ET Q q 0 0 0 rg BT 189.97 528.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.69 528.10 Td (Plans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 504.10 Td (At ) Tj ET Q q 0 0 0 rg BT 64.11 504.10 Td (December ) Tj ET Q q 0 0 0 rg BT 109.31 504.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 125.92 504.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 152.54 504.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.86 504.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 213.53 504.10 Td (number ) Tj ET Q q 0 0 0 rg BT 248.19 504.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.63 504.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 341.37 504.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 370.47 504.10 Td (that ) Tj ET Q q 0 0 0 rg BT 389.58 504.10 Td (could ) Tj ET Q q 0 0 0 rg BT 415.91 504.10 Td (be ) Tj ET Q q 0 0 0 rg BT 429.46 504.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 458.57 504.10 Td (on ) Tj ET Q q 0 0 0 rg BT 472.68 504.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 523.46 504.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 555.89 504.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 492.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 103.23 492.10 Td (is ) Tj ET Q q 0 0 0 rg BT 112.62 492.10 Td (attained ) Tj ET Q q 0 0 0 rg BT 146.98 492.10 Td (at ) Tj ET Q q 0 0 0 rg BT 156.91 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.84 492.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 215.10 492.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 247.81 492.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.14 492.10 Td (200%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.47 492.10 Td ( ) Tj ET Q q 0 0 0 rg BT 277.18 492.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.23 492.10 Td (tar) Tj ET Q q 0 0 0 rg BT 298.59 492.10 Td (get ) Tj ET Q q 0 0 0 rg BT 313.52 492.10 Td (for ) Tj ET Q q 0 0 0 rg BT 327.89 492.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 350.61 492.10 Td (and ) Tj ET Q q 0 0 0 rg BT 367.76 492.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 390.47 492.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 417.62 492.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.77 492.10 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.10 492.10 Td ( ) Tj ET Q q 0 0 0 rg BT 460.81 492.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.86 492.10 Td (tar) Tj ET Q q 0 0 0 rg BT 482.22 492.10 Td (get ) Tj ET Q q 0 0 0 rg BT 497.15 492.10 Td (for ) Tj ET Q q 0 0 0 rg BT 511.52 492.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 534.24 492.10 Td (grants\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 480.10 Td (was ) Tj ET Q q 0 0 0 rg BT 68.05 480.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.31 480.10 Td (503,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.81 480.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.31 480.10 Td (shares.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 456.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.90 456.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 94.13 456.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 108.70 456.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 138.82 456.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 172.81 456.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 195.17 456.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.74 456.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 240.98 456.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.67 456.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 291.23 456.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 318.57 456.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.36 456.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 414.34 456.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 437.80 456.10 Td (is ) Tj ET Q q 0 0 0 rg BT 446.83 456.10 Td (based ) Tj ET Q q 0 0 0 rg BT 471.95 456.10 Td (on ) Tj ET Q q 0 0 0 rg BT 484.31 456.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.88 456.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 515.11 456.10 Td (value ) Tj ET Q q 0 0 0 rg BT 539.12 456.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.81 456.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.92 444.10 Td (on ) Tj ET Q q 0 0 0 rg BT 90.85 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.00 444.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 128.93 444.10 Td (date ) Tj ET Q q 0 0 0 rg BT 148.51 444.10 Td (and ) Tj ET Q q 0 0 0 rg BT 165.88 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.03 444.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 222.28 444.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 237.42 444.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 268.12 444.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.38 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.52 444.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 325.77 444.10 Td (is ) Tj ET Q q 0 0 0 rg BT 335.37 444.10 Td (based ) Tj ET Q q 0 0 0 rg BT 361.07 444.10 Td (on ) Tj ET Q q 0 0 0 rg BT 374.00 444.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 390.81 444.10 Td (value ) Tj ET Q q 0 0 0 rg BT 415.39 444.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.65 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.80 444.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 473.05 444.10 Td (on ) Tj ET Q q 0 0 0 rg BT 485.98 444.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.12 444.10 Td (grant ) Tj ET Q q 0 0 0 rg BT 524.60 444.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 546.47 444.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 432.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 75.58 432.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 89.50 432.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 118.98 432.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 152.33 432.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 174.03 432.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.96 432.10 Td (vesting ) Tj ET Q q 0 0 0 rg BT 218.55 432.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.59 432.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 267.50 432.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 294.20 432.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.35 432.10 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 388.67 432.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 411.49 432.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.98 432.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 445.19 432.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 466.89 432.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.04 432.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 504.75 432.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.01 432.10 Td ($517,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 432.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 420.10 Td ($254,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.50 420.10 Td ( ) Tj ET Q q 0 0 0 rg BT 89.11 420.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.16 420.10 Td ($329,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.66 420.10 Td (, ) Tj ET Q q 0 0 0 rg BT 146.77 420.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 194.43 420.10 Td (, ) Tj ET Q q 0 0 0 rg BT 198.54 420.10 Td (more ) Tj ET Q q 0 0 0 rg BT 220.69 420.10 Td (than ) Tj ET Q q 0 0 0 rg BT 239.52 420.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.34 420.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 293.27 420.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 307.10 420.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 336.47 420.10 Td (for ) Tj ET Q q 0 0 0 rg BT 349.74 420.10 Td (those ) Tj ET Q q 0 0 0 rg BT 372.46 420.10 Td (shares. ) Tj ET Q q 0 0 0 rg BT 401.44 420.10 Td (These ) Tj ET Q q 0 0 0 rg BT 426.92 420.10 Td (dif) Tj ET Q q 0 0 0 rg BT 437.85 420.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 472.77 420.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.15 420.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 507.64 420.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.68 420.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 408.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.72 408.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 98.87 408.10 Td (were ) Tj ET Q q 0 0 0 rg BT 120.80 408.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 158.28 408.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 191.32 408.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.60 408.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 254.72 408.10 Td ( ) Tj ET Q q 0 0 0 rg BT 257.22 408.10 Td (equity) Tj ET Q q 0 0 0 rg BT 281.57 408.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 384.10 Td (As ) Tj ET Q q 0 0 0 rg BT 64.24 384.10 Td (of ) Tj ET Q q 0 0 0 rg BT 75.69 384.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.90 384.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 160.52 384.10 Td (there ) Tj ET Q q 0 0 0 rg BT 183.63 384.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.30 384.10 Td ($1) Tj ET Q q 0 0 0 rg BT 211.93 384.10 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 227.55 384.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.44 384.10 Td ( ) Tj ET Q q 0 0 0 rg BT 259.57 384.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.02 384.10 Td (total ) Tj ET Q q 0 0 0 rg BT 291.91 384.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 348.90 384.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 407.56 384.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 426.79 384.10 Td (related ) Tj ET Q q 0 0 0 rg BT 457.12 384.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.02 384.10 Td (non-vested ) Tj ET Q q 0 0 0 rg BT 515.02 384.10 Td (share ) Tj ET Q q 0 0 0 rg BT 539.24 384.10 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 106.03 372.10 Td (under ) Tj ET Q q 0 0 0 rg BT 130.97 372.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.36 372.10 Td (Plans. ) Tj ET Q q 0 0 0 rg BT 171.55 372.10 Td (That ) Tj ET Q q 0 0 0 rg BT 192.04 372.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 210.33 372.10 Td (is ) Tj ET Q q 0 0 0 rg BT 219.17 372.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 256.87 372.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.82 372.10 Td (be ) Tj ET Q q 0 0 0 rg BT 278.43 372.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 324.47 372.10 Td (over ) Tj ET Q q 0 0 0 rg BT 344.41 372.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.02 372.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 389.84 372.10 Td (average ) Tj ET Q q 0 0 0 rg BT 423.10 372.10 Td (period ) Tj ET Q q 0 0 0 rg BT 450.82 372.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.32 372.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 521.25 372.10 Td (two ) Tj ET Q q 0 0 0 rg BT 538.42 372.10 Td (years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 360.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.40 360.10 Td (total ) Tj ET Q q 0 0 0 rg BT 89.03 360.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 105.77 360.10 Td (value ) Tj ET Q q 0 0 0 rg BT 130.28 360.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.46 360.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 169.31 360.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 197.71 360.10 Td (during ) Tj ET Q q 0 0 0 rg BT 226.68 360.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.75 360.10 Td (years ) Tj ET Q q 0 0 0 rg BT 265.71 360.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 292.44 360.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 351.38 360.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 376.74 360.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 399.59 360.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.89 360.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 439.75 360.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 360.10 Td ($7.9 ) Tj ET Q q 0 0 0 rg BT 478.51 360.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.40 360.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.76 360.10 Td ($7.8 ) Tj ET Q q 0 0 0 rg BT 533.12 360.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 348.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.94 348.10 Td ($7.4 ) Tj ET Q q 0 0 0 rg BT 86.94 348.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.83 348.10 Td (, ) Tj ET Q q 0 0 0 rg BT 120.83 348.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 168.49 348.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 327.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 327.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.43 327.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 135.83 327.10 Td (new ) Tj ET Q q 0 0 0 rg BT 154.99 327.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 182.48 327.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.75 327.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 221.36 327.10 Td (its ) Tj ET Q q 0 0 0 rg BT 233.31 327.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 276.36 327.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.64 327.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 309.14 327.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 336.63 327.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 369.12 327.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 406.05 327.10 Td (to ) Tj ET Q q 0 0 0 rg BT 416.33 327.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.05 327.10 Td (Plans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 306.10 Td (Cash Incentive and Retention Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 285.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.44 285.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 91.34 285.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 131.43 285.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.77 285.10 Td (Retention ) Tj ET Q q 0 0 0 rg BT 190.54 285.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 211.21 285.10 Td (\(CIRP\) ) Tj ET Q q 0 0 0 rg BT 251.88 285.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 280.88 285.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.99 285.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 337.77 285.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.45 285.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 381.89 285.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 402.55 285.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 460.99 285.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.66 285.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.77 285.10 Td (Company) Tj ET Q q 0 0 0 rg BT 528.44 285.10 Td (s ) Tj ET Q q 0 0 0 rg BT 535.22 285.10 Td (and ) Tj ET Q q 0 0 0 rg BT 552.56 285.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 273.10 Td (subsidiaries) Tj ET Q q 0 0 0 rg BT 99.80 273.10 Td ( ) Tj ET Q q 0 0 0 rg BT 102.38 273.10 Td (of) Tj ET Q q 0 0 0 rg BT 110.53 273.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 135.31 273.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.33 273.10 Td (employees. ) Tj ET Q q 0 0 0 rg BT 199.98 273.10 Td (The ) Tj ET Q q 0 0 0 rg BT 218.10 273.10 Td (CIRP) Tj ET Q q 0 0 0 rg BT 239.96 273.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.54 273.10 Td (is ) Tj ET Q q 0 0 0 rg BT 251.78 273.10 Td (administered ) Tj ET Q q 0 0 0 rg BT 306.01 273.10 Td (by ) Tj ET Q q 0 0 0 rg BT 318.59 273.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.38 273.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 393.73 273.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 440.74 273.10 Td (of ) Tj ET Q q 0 0 0 rg BT 451.65 273.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.44 273.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 493.45 273.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.36 273.10 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 546.46 273.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 261.10 Td (CIRP) Tj ET Q q 0 0 0 rg BT 71.86 261.10 Td ( ) Tj ET Q q 0 0 0 rg BT 74.15 261.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 113.63 261.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 150.36 261.10 Td (for ) Tj ET Q q 0 0 0 rg BT 164.30 261.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.80 261.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 205.53 261.10 Td (of ) Tj ET Q q 0 0 0 rg BT 216.14 261.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 236.20 261.10 Td (awards, ) Tj ET Q q 0 0 0 rg BT 269.30 261.10 Td (which ) Tj ET Q q 0 0 0 rg BT 296.03 261.10 Td (may ) Tj ET Q q 0 0 0 rg BT 315.53 261.10 Td (be ) Tj ET Q q 0 0 0 rg BT 327.25 261.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 356.18 261.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 392.91 261.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.97 261.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.47 261.10 Td (achievement ) Tj ET Q q 0 0 0 rg BT 470.28 261.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.90 261.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 533.71 261.10 Td (criteria ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 249.10 Td (established ) Tj ET Q q 0 0 0 rg BT 97.10 249.10 Td (by ) Tj ET Q q 0 0 0 rg BT 109.76 249.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.64 249.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 185.07 249.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 232.18 249.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 260.38 249.10 Td (continued ) Tj ET Q q 0 0 0 rg BT 302.48 249.10 Td (employment. ) Tj ET Q q 0 0 0 rg BT 357.44 249.10 Td (The ) Tj ET Q q 0 0 0 rg BT 375.65 249.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 428.84 249.10 Td (criteria, ) Tj ET Q q 0 0 0 rg BT 462.31 249.10 Td (if ) Tj ET Q q 0 0 0 rg BT 471.08 249.10 Td (any) Tj ET Q q 0 0 0 rg BT 484.87 249.10 Td (, ) Tj ET Q q 0 0 0 rg BT 490.03 249.10 Td (established ) Tj ET Q q 0 0 0 rg BT 537.13 249.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 249.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 237.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 110.98 237.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 158.62 237.10 Td (must ) Tj ET Q q 0 0 0 rg BT 181.27 237.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 206.68 237.10 Td (to ) Tj ET Q q 0 0 0 rg BT 217.66 237.10 Td (one ) Tj ET Q q 0 0 0 rg BT 235.31 237.10 Td (or ) Tj ET Q q 0 0 0 rg BT 246.84 237.10 Td (more ) Tj ET Q q 0 0 0 rg BT 270.59 237.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.13 237.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.55 237.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 329.06 237.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 368.36 237.10 Td (in ) Tj ET Q q 0 0 0 rg BT 379.35 237.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.77 237.10 Td (CIRP) Tj ET Q q 0 0 0 rg BT 415.89 237.10 Td (, ) Tj ET Q q 0 0 0 rg BT 421.59 237.10 Td (which ) Tj ET Q q 0 0 0 rg BT 449.24 237.10 Td (includes: ) Tj ET Q q 0 0 0 rg BT 488.55 237.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 528.13 237.10 Td (earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 225.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 83.35 225.10 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 123.91 225.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 147.53 225.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 172.54 225.10 Td (return ) Tj ET Q q 0 0 0 rg BT 198.94 225.10 Td (on ) Tj ET Q q 0 0 0 rg BT 211.46 225.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 239.80 225.10 Td (return ) Tj ET Q q 0 0 0 rg BT 266.20 225.10 Td (on ) Tj ET Q q 0 0 0 rg BT 278.72 225.10 Td (equity) Tj ET Q q 0 0 0 rg BT 303.07 225.10 Td (, ) Tj ET Q q 0 0 0 rg BT 308.09 225.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 363.93 225.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.78 225.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 412.28 225.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 444.51 225.10 Td (achievement ) Tj ET Q q 0 0 0 rg BT 497.56 225.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.41 225.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 541.46 225.10 Td (sheet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 213.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.65 213.10 Td (income ) Tj ET Q q 0 0 0 rg BT 92.40 213.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 133.03 213.10 Td (objectives ) Tj ET Q q 0 0 0 rg BT 175.89 213.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.65 213.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 233.40 213.10 Td (These ) Tj ET Q q 0 0 0 rg BT 259.59 213.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 290.22 213.10 Td (may ) Tj ET Q q 0 0 0 rg BT 309.75 213.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 334.27 213.10 Td (to ) Tj ET Q q 0 0 0 rg BT 344.37 213.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.90 213.10 Td (Company) Tj ET Q q 0 0 0 rg BT 397.14 213.10 Td (, ) Tj ET Q q 0 0 0 rg BT 401.95 213.10 Td (a ) Tj ET Q q 0 0 0 rg BT 408.71 213.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 449.34 213.10 Td (line ) Tj ET Q q 0 0 0 rg BT 466.65 213.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.30 213.10 Td (business ) Tj ET Q q 0 0 0 rg BT 513.50 213.10 Td (or ) Tj ET Q q 0 0 0 rg BT 524.15 213.10 Td (a ) Tj ET Q q 0 0 0 rg BT 530.91 213.10 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 201.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 93.77 201.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.75 201.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.63 201.10 Td (Company) Tj ET Q q 0 0 0 rg BT 157.87 201.10 Td (. ) Tj ET Q q 0 0 0 rg BT 162.83 201.10 Td (The ) Tj ET Q q 0 0 0 rg BT 181.04 201.10 Td (Company) Tj ET Q q 0 0 0 rg BT 222.70 201.10 Td (s ) Tj ET Q q 0 0 0 rg BT 229.25 201.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 264.11 201.10 Td (related ) Tj ET Q q 0 0 0 rg BT 293.97 201.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.41 201.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.29 201.10 Td (CIRP) Tj ET Q q 0 0 0 rg BT 341.15 201.10 Td ( ) Tj ET Q q 0 0 0 rg BT 343.80 201.10 Td (was ) Tj ET Q q 0 0 0 rg BT 362.01 201.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.43 201.10 Td ($20,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.93 201.10 Td ( ) Tj ET Q q 0 0 0 rg BT 457.59 201.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.68 201.10 Td ($1) Tj ET Q q 0 0 0 rg BT 484.31 201.10 Td (15,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.81 201.10 Td ( ) Tj ET Q q 0 0 0 rg BT 514.47 201.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.91 201.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 547.56 201.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 189.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 75.26 189.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.82 189.10 Td (There ) Tj ET Q q 0 0 0 rg BT 103.90 189.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.21 189.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.21 189.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.97 189.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 169.94 189.10 Td (related ) Tj ET Q q 0 0 0 rg BT 199.91 189.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.44 189.10 Td (CIRP) Tj ET Q q 0 0 0 rg BT 232.31 189.10 Td ( ) Tj ET Q q 0 0 0 rg BT 235.07 189.10 Td (in ) Tj ET Q q 0 0 0 rg BT 245.61 189.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 270.87 189.10 Td ( ) Tj ET Q q 0 0 0 rg BT 273.63 189.10 Td (In ) Tj ET Q q 0 0 0 rg BT 284.72 189.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 307.48 189.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.68 189.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 349.94 189.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.92 189.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 406.57 189.10 Td (paid ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.55 189.10 Td ($100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.05 189.10 Td ( ) Tj ET Q q 0 0 0 rg BT 466.81 189.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.01 189.10 Td ($473,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.51 189.10 Td ( ) Tj ET Q q 0 0 0 rg BT 524.27 189.10 Td (related ) Tj ET Q q 0 0 0 rg BT 554.23 189.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 177.10 Td (CIRP) Tj ET Q q 0 0 0 rg BT 71.86 177.10 Td ( ) Tj ET Q q 0 0 0 rg BT 74.36 177.10 Td (awards. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.68 177.10 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.90 177.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.40 177.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 153.22 177.10 Td (were ) Tj ET Q q 0 0 0 rg BT 175.15 177.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 194.87 177.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.15 177.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 230.15 177.10 Td ( ) Tj ET Q q 0 0 0 rg BT 232.09 177.10 Td (As ) Tj ET Q q 0 0 0 rg BT 245.71 177.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.54 177.10 Td (December ) Tj ET Q q 0 0 0 rg BT 300.12 177.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 315.12 177.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 340.12 177.10 Td (there ) Tj ET Q q 0 0 0 rg BT 362.61 177.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.54 177.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.54 177.10 Td ( ) Tj ET Q q 0 0 0 rg BT 397.04 177.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 446.20 177.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 477.02 177.10 Td (under ) Tj ET Q q 0 0 0 rg BT 502.29 177.10 Td (this ) Tj ET Q q 0 0 0 rg BT 519.24 177.10 Td (plan. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 156.10 Td (Other Employee Benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 132.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 132.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 86.37 132.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.58 132.10 Td (its ) Tj ET Q q 0 0 0 rg BT 113.80 132.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 162.79 132.10 Td (also ) Tj ET Q q 0 0 0 rg BT 180.67 132.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 212.99 132.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 241.42 132.10 Td (Retirement ) Tj ET Q q 0 0 0 rg BT 287.62 132.10 Td (Savings ) Tj ET Q q 0 0 0 rg BT 321.06 132.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 344.51 132.10 Td (\(401\(k\) ) Tj ET Q q 0 0 0 rg BT 380.71 132.10 Td (Plans\). ) Tj ET Q q 0 0 0 rg BT 414.29 132.10 Td (The ) Tj ET Q q 0 0 0 rg BT 431.61 132.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 460.04 132.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 483.49 132.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 507.46 132.10 Td (all ) Tj ET Q q 0 0 0 rg BT 519.23 132.10 Td (employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 84.58 120.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 114.15 120.10 Td (eligibility ) Tj ET Q q 0 0 0 rg BT 155.40 120.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 212.47 120.10 Td (Contributions ) Tj ET Q q 0 0 0 rg BT 269.84 120.10 Td (by ) Tj ET Q q 0 0 0 rg BT 282.21 120.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 327.34 120.10 Td (are ) Tj ET Q q 0 0 0 rg BT 341.92 120.10 Td (made ) Tj ET Q q 0 0 0 rg BT 365.94 120.10 Td (through ) Tj ET Q q 0 0 0 rg BT 399.41 120.10 Td (salary ) Tj ET Q q 0 0 0 rg BT 425.66 120.10 Td (deferrals ) Tj ET Q q 0 0 0 rg BT 463.00 120.10 Td (at ) Tj ET Q q 0 0 0 rg BT 472.58 120.10 Td (their ) Tj ET Q q 0 0 0 rg BT 493.28 120.10 Td (direction, ) Tj ET Q q 0 0 0 rg BT 533.69 120.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.04 108.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 87.50 108.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 106.54 108.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.24 108.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 158.50 108.10 Td (limitations. ) Tj ET Q q 0 0 0 rg BT 205.04 108.10 Td (Employer ) Tj ET Q q 0 0 0 rg BT 245.73 108.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 299.77 108.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.81 108.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.29 108.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 350.21 108.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 373.14 108.10 Td (are ) Tj ET Q q 0 0 0 rg BT 386.61 108.10 Td (made ) Tj ET Q q 0 0 0 rg BT 409.52 108.10 Td (at ) Tj ET Q q 0 0 0 rg BT 418.00 108.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.48 108.10 Td (employer) Tj ET Q q 0 0 0 rg BT 469.61 108.10 Td () Tj ET Q q 0 0 0 rg BT 472.39 108.10 Td (s ) Tj ET Q q 0 0 0 rg BT 477.54 108.10 Td (discretion. ) Tj ET Q q 0 0 0 rg BT 520.74 108.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 559.51 108.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 99.98 96.10 Td (completing ) Tj ET Q q 0 0 0 rg BT 148.29 96.10 Td (501 ) Tj ET Q q 0 0 0 rg BT 166.62 96.10 Td (hours ) Tj ET Q q 0 0 0 rg BT 192.17 96.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.83 96.10 Td (service ) Tj ET Q q 0 0 0 rg BT 235.47 96.10 Td (are ) Tj ET Q q 0 0 0 rg BT 251.00 96.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 284.32 96.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.42 96.10 Td (share ) Tj ET Q q 0 0 0 rg BT 319.85 96.10 Td (in ) Tj ET Q q 0 0 0 rg BT 330.95 96.10 Td (an ) Tj ET Q q 0 0 0 rg BT 343.72 96.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 386.47 96.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.13 96.10 Td (employer ) Tj ET Q q 0 0 0 rg BT 439.22 96.10 Td (contributions. ) Tj ET Q q 0 0 0 rg BT 497.58 96.10 Td (The ) Tj ET Q q 0 0 0 rg BT 516.45 96.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.12 96.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 85.15 84.10 Td (for ) Tj ET Q q 0 0 0 rg BT 99.76 84.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.92 84.10 Td (employer ) Tj ET Q q 0 0 0 rg BT 155.63 84.10 Td (contributions ) Tj ET Q q 0 0 0 rg BT 211.35 84.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.07 84.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.24 84.10 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 266.84 84.10 Td (Plans ) Tj ET Q q 0 0 0 rg BT 291.46 84.10 Td (was ) Tj ET Q q 0 0 0 rg BT 309.96 84.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.66 84.10 Td ($6.4 ) Tj ET Q q 0 0 0 rg BT 391.11 84.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.00 84.10 Td ( ) Tj ET Q q 0 0 0 rg BT 422.94 84.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.67 84.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.11 84.10 Td ($5.0 ) Tj ET Q q 0 0 0 rg BT 479.56 84.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.45 84.10 Td ( ) Tj ET Q q 0 0 0 rg BT 511.40 84.10 Td (in ) Tj ET Q q 0 0 0 rg BT 522.12 84.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 547.57 84.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.10 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 70.00 72.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 72.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.39 72.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.67 72.10 Td (2013.) Tj ET Q endstream endobj 289 0 obj <> endobj 290 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (144) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.98 742.10 Td (W) Tj ET Q q 0 0 0 rg BT 77.02 742.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 105.20 742.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 145.04 742.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 195.99 742.10 Td (Employee ) Tj ET Q q 0 0 0 rg BT 239.16 742.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 264.56 742.10 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 303.29 742.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 323.69 742.10 Td (\(ESPP\) ) Tj ET Q q 0 0 0 rg BT 364.65 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 373.95 742.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 412.12 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.52 742.10 Td (encourage ) Tj ET Q q 0 0 0 rg BT 466.23 742.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 496.61 742.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 520.35 742.10 Td (ownership ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (among ) Tj ET Q q 0 0 0 rg BT 80.20 730.10 Td (employees, ) Tj ET Q q 0 0 0 rg BT 128.46 730.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 161.43 730.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 205.51 730.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 247.37 730.10 Td (commitment ) Tj ET Q q 0 0 0 rg BT 300.90 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.67 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.87 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 365.11 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 370.38 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 388.91 730.10 Td (ESPP) Tj ET Q q 0 0 0 rg BT 411.34 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 414.32 730.10 Td (gives ) Tj ET Q q 0 0 0 rg BT 438.42 730.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 471.40 730.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 517.15 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.35 730.10 Td (right ) Tj ET Q q 0 0 0 rg BT 554.23 730.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (accumulate ) Tj ET Q q 0 0 0 rg BT 98.19 718.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 123.07 718.10 Td (over ) Tj ET Q q 0 0 0 rg BT 143.50 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 155.60 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 163.75 718.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 190.28 718.10 Td (period ) Tj ET Q q 0 0 0 rg BT 218.49 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.93 718.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 267.13 718.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 294.78 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.77 718.10 Td (common ) Tj ET Q q 0 0 0 rg BT 343.42 718.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 369.10 718.10 Td (All ) Tj ET Q q 0 0 0 rg BT 384.54 718.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 412.19 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 420.34 718.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 443.54 718.10 Td (under ) Tj ET Q q 0 0 0 rg BT 468.97 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.84 718.10 Td (ESPP) Tj ET Q q 0 0 0 rg BT 506.27 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 508.93 718.10 Td (will ) Tj ET Q q 0 0 0 rg BT 527.14 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 539.24 718.10 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 77.33 706.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 105.22 706.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 133.11 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.33 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.44 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 201.22 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 212.44 706.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 240.33 706.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 268.22 706.10 Td (from ) Tj ET Q q 0 0 0 rg BT 290.55 706.10 Td (treasury) Tj ET Q q 0 0 0 rg BT 322.11 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 327.50 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 336.50 706.10 Td (any) Tj ET Q q 0 0 0 rg BT 350.29 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 355.69 706.10 Td (In ) Tj ET Q q 0 0 0 rg BT 366.91 706.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 414.76 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 435.43 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.54 706.10 Td (ESPP) Tj ET Q q 0 0 0 rg BT 472.23 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 477.62 706.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 520.51 706.10 Td (January ) Tj ET Q q 0 0 0 rg BT 554.50 706.10 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 74.56 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.84 694.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 126.44 694.10 Td (price ) Tj ET Q q 0 0 0 rg BT 148.49 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.88 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.16 694.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 200.21 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.60 694.10 Td (common ) Tj ET Q q 0 0 0 rg BT 247.66 694.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 270.83 694.10 Td (will ) Tj ET Q q 0 0 0 rg BT 288.45 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 299.95 694.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 323.67 694.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.51 694.10 Td (95%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.84 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 353.90 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.29 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.57 694.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 409.52 694.10 Td (price ) Tj ET Q q 0 0 0 rg BT 431.57 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.96 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.24 694.10 Td (Company) Tj ET Q q 0 0 0 rg BT 497.90 694.10 Td (s ) Tj ET Q q 0 0 0 rg BT 503.86 694.10 Td (common ) Tj ET Q q 0 0 0 rg BT 540.91 694.10 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.85 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.91 682.10 Td (last ) Tj ET Q q 0 0 0 rg BT 94.65 682.10 Td (day ) Tj ET Q q 0 0 0 rg BT 111.93 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.11 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.18 682.10 Td (of) Tj ET Q q 0 0 0 rg BT 146.33 682.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 173.05 682.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 203.95 682.10 Td (Previously) Tj ET Q q 0 0 0 rg BT 246.08 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 251.42 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.49 682.10 Td (Company) Tj ET Q q 0 0 0 rg BT 308.15 682.10 Td (s ) Tj ET Q q 0 0 0 rg BT 314.89 682.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 342.18 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.36 682.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 393.41 682.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 438.46 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.75 682.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 484.14 682.10 Td (price ) Tj ET Q q 0 0 0 rg BT 506.97 682.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 553.69 682.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.15 670.10 Td (lesser ) Tj ET Q q 0 0 0 rg BT 90.85 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.11 670.10 Td (90%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.44 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 123.37 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.64 670.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 151.45 670.10 Td (market ) Tj ET Q q 0 0 0 rg BT 182.14 670.10 Td (value ) Tj ET Q q 0 0 0 rg BT 206.73 670.10 Td (per ) Tj ET Q q 0 0 0 rg BT 222.43 670.10 Td (share ) Tj ET Q q 0 0 0 rg BT 246.46 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.72 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.87 670.10 Td (common ) Tj ET Q q 0 0 0 rg BT 310.80 670.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 334.84 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 347.77 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.92 670.10 Td (first ) Tj ET Q q 0 0 0 rg BT 381.96 670.10 Td (day ) Tj ET Q q 0 0 0 rg BT 399.33 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.59 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.74 670.10 Td (of) Tj ET Q q 0 0 0 rg BT 433.89 670.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 460.70 670.10 Td (period ) Tj ET Q q 0 0 0 rg BT 489.18 670.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.44 670.10 Td (90%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.77 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 521.70 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 532.97 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 548.12 670.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (market ) Tj ET Q q 0 0 0 rg BT 79.63 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 103.14 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.33 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.41 658.10 Td (common ) Tj ET Q q 0 0 0 rg BT 164.27 658.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 187.24 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 199.10 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.18 658.10 Td (last ) Tj ET Q q 0 0 0 rg BT 228.93 658.10 Td (day ) Tj ET Q q 0 0 0 rg BT 245.23 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.42 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.50 658.10 Td (of) Tj ET Q q 0 0 0 rg BT 277.65 658.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 303.39 658.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 333.30 658.10 Td (During ) Tj ET Q q 0 0 0 rg BT 363.49 658.10 Td (2015, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.85 658.10 Td (56,517) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.35 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.21 658.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 444.06 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.26 658.10 Td (common ) Tj ET Q q 0 0 0 rg BT 491.11 658.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 514.08 658.10 Td (were ) Tj ET Q q 0 0 0 rg BT 535.37 658.10 Td (earned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 63.81 646.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 114.27 646.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.52 646.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.52 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 146.33 646.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 205.69 646.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 241.70 646.10 Td (was ) Tj ET Q q 0 0 0 rg BT 261.07 646.10 Td (recorded. ) Tj ET Q q 0 0 0 rg BT 302.35 646.10 Td (In ) Tj ET Q q 0 0 0 rg BT 314.49 646.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 338.31 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.56 646.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 382.87 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 391.12 646.10 Td (total ) Tj ET Q q 0 0 0 rg BT 412.70 646.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.84 646.10 Td (66,521) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.34 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.15 646.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 484.95 646.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.20 646.10 Td (62,096) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.70 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 534.51 646.10 Td (shares, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.53 634.10 Td (were ) Tj ET Q q 0 0 0 rg BT 124.33 634.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 153.35 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 165.72 634.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 214.74 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.55 634.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.68 634.10 Td ($377,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.18 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 331.55 634.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.36 634.10 Td ($355,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.86 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 390.73 634.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 438.39 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 443.26 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.96 634.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 511.87 634.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 546.45 634.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (recognized. ) Tj ET Q q 0 0 0 rg BT 99.19 622.10 Td (The ) Tj ET Q q 0 0 0 rg BT 117.78 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 159.71 622.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 183.87 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.69 622.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 232.17 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.00 622.10 Td (of) Tj ET Q q 0 0 0 rg BT 251.15 622.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 265.29 622.10 Td (common ) Tj ET Q q 0 0 0 rg BT 303.33 622.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 327.48 622.10 Td (through ) Tj ET Q q 0 0 0 rg BT 361.64 622.10 Td (this ) Tj ET Q q 0 0 0 rg BT 379.13 622.10 Td (ESPP) Tj ET Q q 0 0 0 rg BT 401.56 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.60 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 417.65 622.10 Td (an ) Tj ET Q q 0 0 0 rg BT 430.13 622.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 465.96 622.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 491.50 622.10 Td (In ) Tj ET Q q 0 0 0 rg BT 502.88 622.10 Td (May ) Tj ET Q q 0 0 0 rg BT 524.25 622.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 549.80 622.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 98.38 610.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 152.72 610.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 198.73 610.10 Td (an ) Tj ET Q q 0 0 0 rg BT 211.97 610.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.77 610.10 Td (300,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.27 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 292.07 610.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 320.86 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.00 610.10 Td (common ) Tj ET Q q 0 0 0 rg BT 371.80 610.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 396.71 610.10 Td (that ) Tj ET Q q 0 0 0 rg BT 415.51 610.10 Td (may ) Tj ET Q q 0 0 0 rg BT 436.53 610.10 Td (be ) Tj ET Q q 0 0 0 rg BT 449.77 610.10 Td (of) Tj ET Q q 0 0 0 rg BT 457.92 610.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 482.26 610.10 Td (under ) Tj ET Q q 0 0 0 rg BT 508.83 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.85 610.10 Td (ESPP) Tj ET Q q 0 0 0 rg BT 546.54 610.10 Td (. ) Tj ET Q q 0 0 0 rg BT 552.00 610.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 109.27 598.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 134.96 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.36 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.44 598.10 Td (had ) Tj ET Q q 0 0 0 rg BT 210.06 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 222.69 598.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 266.43 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.39 598.10 Td (issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.58 598.10 Td (14,053) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.08 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 331.27 598.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 359.45 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.96 598.10 Td (common ) Tj ET Q q 0 0 0 rg BT 409.15 598.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 433.44 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 444.41 598.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 494.25 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.87 598.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.50 598.10 Td (135,982) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.49 586.10 Td (available ) Tj ET Q q 0 0 0 rg BT 116.08 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 130.24 586.10 Td (future ) Tj ET Q q 0 0 0 rg BT 156.62 586.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 183.55 586.10 Td (under ) Tj ET Q q 0 0 0 rg BT 208.82 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.54 586.10 Td (ESPP) Tj ET Q q 0 0 0 rg BT 245.22 586.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.54 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 70.41 562.10 Td (result ) Tj ET Q q 0 0 0 rg BT 95.05 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.81 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.46 562.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 167.46 562.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 213.77 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.53 562.10 Td (HPK ) Tj ET Q q 0 0 0 rg BT 246.97 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.17 562.10 Td (December ) Tj ET Q q 0 0 0 rg BT 300.69 562.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 325.61 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.26 562.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 381.57 562.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 418.44 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.08 562.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 479.96 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.71 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 497.58 562.10 Td (noncontributory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (pension ) Tj ET Q q 0 0 0 rg BT 82.37 550.10 Td (plan, ) Tj ET Q q 0 0 0 rg BT 103.35 550.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 124.60 550.10 Td (HPK ) Tj ET Q q 0 0 0 rg BT 145.86 550.10 Td (Plan\), ) Tj ET Q q 0 0 0 rg BT 175.17 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 191.43 550.10 Td (covers ) Tj ET Q q 0 0 0 rg BT 218.79 550.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.81 550.10 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.81 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 294.07 550.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 341.99 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 361.03 550.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 393.95 550.10 Td (based ) Tj ET Q q 0 0 0 rg BT 417.98 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 429.24 550.10 Td (years ) Tj ET Q q 0 0 0 rg BT 451.60 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.19 550.10 Td (service ) Tj ET Q q 0 0 0 rg BT 490.77 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.47 550.10 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 71.73 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 81.80 538.10 Td (retirement. ) Tj ET Q q 0 0 0 rg BT 127.51 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 145.35 538.10 Td (HPK ) Tj ET Q q 0 0 0 rg BT 167.65 538.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 187.72 538.10 Td (was ) Tj ET Q q 0 0 0 rg BT 205.56 538.10 Td (frozen ) Tj ET Q q 0 0 0 rg BT 242.27 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 252.89 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.51 538.10 Td (December ) Tj ET Q q 0 0 0 rg BT 306.89 538.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 321.68 538.10 Td (2006, ) Tj ET Q q 0 0 0 rg BT 346.47 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 366.54 538.10 Td (no ) Tj ET Q q 0 0 0 rg BT 378.83 538.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 421.11 538.10 Td (years ) Tj ET Q q 0 0 0 rg BT 444.50 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 455.12 538.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 480.18 538.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 509.12 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 523.07 538.10 Td (service ) Tj ET Q q 0 0 0 rg BT 553.67 538.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 108.37 526.10 Td (paid. ) Tj ET Q q 0 0 0 rg BT 130.29 526.10 Td (As ) Tj ET Q q 0 0 0 rg BT 144.23 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.38 526.10 Td (December ) Tj ET Q q 0 0 0 rg BT 199.29 526.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 214.62 526.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 239.95 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.99 526.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 295.02 526.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 325.61 526.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 368.98 526.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.36 526.10 Td ($6.1 ) Tj ET Q q 0 0 0 rg BT 407.69 526.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.58 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 439.41 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.67 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.71 526.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 488.42 526.10 Td (value ) Tj ET Q q 0 0 0 rg BT 512.90 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.05 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.10 526.10 Td (plan's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 76.62 514.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.46 514.10 Td ($4.9 ) Tj ET Q q 0 0 0 rg BT 116.25 514.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.14 514.10 Td (. ) Tj ET Q q 0 0 0 rg BT 150.93 514.10 Td (Similarly) Tj ET Q q 0 0 0 rg BT 187.51 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 193.30 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 204.36 514.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 251.53 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 272.59 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.10 514.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 335.97 514.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 383.14 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.76 514.10 Td (Diamond ) Tj ET Q q 0 0 0 rg BT 435.27 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 446.34 514.10 Td (October ) Tj ET Q q 0 0 0 rg BT 481.84 514.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 507.63 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 514.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 86.54 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.85 502.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 143.50 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.93 502.10 Td (Diamond's ) Tj ET Q q 0 0 0 rg BT 198.93 502.10 Td (pension ) Tj ET Q q 0 0 0 rg BT 232.14 502.10 Td (plan, ) Tj ET Q q 0 0 0 rg BT 253.95 502.10 Td (which ) Tj ET Q q 0 0 0 rg BT 280.49 502.10 Td (covers ) Tj ET Q q 0 0 0 rg BT 308.68 502.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.54 502.10 Td (35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.54 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 380.64 502.10 Td (participants. ) Tj ET Q q 0 0 0 rg BT 431.88 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 433.83 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 451.47 502.10 Td (Diamond ) Tj ET Q q 0 0 0 rg BT 490.79 502.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 510.66 502.10 Td (was ) Tj ET Q q 0 0 0 rg BT 528.31 502.10 Td ("frozen" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.73 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 73.47 490.10 Td (December ) Tj ET Q q 0 0 0 rg BT 117.96 490.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 133.86 490.10 Td (2004, ) Tj ET Q q 0 0 0 rg BT 159.77 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.61 490.10 Td (only ) Tj ET Q q 0 0 0 rg BT 198.79 490.10 Td (service ) Tj ET Q q 0 0 0 rg BT 230.51 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.36 490.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 307.30 490.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 330.15 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.33 490.10 Td (this ) Tj ET Q q 0 0 0 rg BT 359.18 490.10 Td (date ) Tj ET Q q 0 0 0 rg BT 379.24 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 389.32 490.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 436.04 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.22 490.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 498.95 490.10 Td (benefits. ) Tj ET Q q 0 0 0 rg BT 536.51 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 539.16 490.10 Td (As ) Tj ET Q q 0 0 0 rg BT 553.68 490.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (December ) Tj ET Q q 0 0 0 rg BT 93.24 478.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 107.90 478.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 132.55 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.92 478.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 186.28 478.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 216.20 478.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 258.91 478.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.62 478.10 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 296.27 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.16 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 327.32 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.91 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.29 478.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 374.32 478.10 Td (value ) Tj ET Q q 0 0 0 rg BT 398.13 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.62 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.99 478.10 Td (plan's ) Tj ET Q q 0 0 0 rg BT 448.05 478.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 473.54 478.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.25 478.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 510.90 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.79 478.10 Td (. ) Tj ET Q q 0 0 0 rg BT 544.45 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.45 478.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.77 466.10 Td (has ) Tj ET Q q 0 0 0 rg BT 105.99 466.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 138.96 466.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 178.06 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 191.61 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.71 466.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 245.37 466.10 Td (portions ) Tj ET Q q 0 0 0 rg BT 280.03 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.25 466.10 Td (these ) Tj ET Q q 0 0 0 rg BT 312.68 466.10 Td (plans. ) Tj ET Q q 0 0 0 rg BT 338.04 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 355.47 466.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 396.24 466.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 433.11 466.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 467.20 466.10 Td (\(benefit\) ) Tj ET Q q 0 0 0 rg BT 503.51 466.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.73 466.10 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 533.11 466.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 454.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.27 454.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 90.27 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.16 454.10 Td (\) ) Tj ET Q q 0 0 0 rg BT 124.99 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 135.27 454.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 157.77 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.71 454.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 197.21 454.10 Td (related ) Tj ET Q q 0 0 0 rg BT 226.91 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.19 454.10 Td (these ) Tj ET Q q 0 0 0 rg BT 260.23 454.10 Td (plans. ) Tj ET Q q 0 0 0 rg BT 286.34 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 288.66 454.10 Td (There ) Tj ET Q q 0 0 0 rg BT 314.48 454.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.53 454.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.53 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 345.03 454.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 379.74 454.10 Td (related ) Tj ET Q q 0 0 0 rg BT 409.44 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.72 454.10 Td (these ) Tj ET Q q 0 0 0 rg BT 442.76 454.10 Td (plans ) Tj ET Q q 0 0 0 rg BT 466.37 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 476.65 454.10 Td (2013. ) Tj ET Q q 0 0 0 rg BT 501.65 454.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.70 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 427.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.43 427.70 Td (does ) Tj ET Q q 0 0 0 rg BT 130.26 427.70 Td (not ) Tj ET Q q 0 0 0 rg BT 145.54 427.70 Td (currently ) Tj ET Q q 0 0 0 rg BT 184.14 427.70 Td (of) Tj ET Q q 0 0 0 rg BT 192.29 427.70 Td (fer ) Tj ET Q q 0 0 0 rg BT 205.88 427.70 Td (other ) Tj ET Q q 0 0 0 rg BT 228.93 427.70 Td (postretirement ) Tj ET Q q 0 0 0 rg BT 289.19 427.70 Td (benefits ) Tj ET Q q 0 0 0 rg BT 323.34 427.70 Td (such ) Tj ET Q q 0 0 0 rg BT 344.17 427.70 Td (as ) Tj ET Q q 0 0 0 rg BT 355.00 427.70 Td (health ) Tj ET Q q 0 0 0 rg BT 381.94 427.70 Td (care ) Tj ET Q q 0 0 0 rg BT 401.08 427.70 Td (or ) Tj ET Q q 0 0 0 rg BT 411.91 427.70 Td (other ) Tj ET Q q 0 0 0 rg BT 434.96 427.70 Td (pension ) Tj ET Q q 0 0 0 rg BT 468.57 427.70 Td (plans.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 406.70 Td (Dir) Tj ET Q q 0 0 0 rg BT 63.52 406.70 Td (ectors Deferr) Tj ET Q q 0 0 0 rg BT 116.75 406.70 Td (ed Fee and Stock Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.70 Td (The ) Tj ET Q q 0 0 0 rg BT 67.76 382.70 Td (W) Tj ET Q q 0 0 0 rg BT 76.79 382.70 Td (intrust ) Tj ET Q q 0 0 0 rg BT 104.73 382.70 Td (Financial ) Tj ET Q q 0 0 0 rg BT 144.33 382.70 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 195.03 382.70 Td (Directors ) Tj ET Q q 0 0 0 rg BT 234.62 382.70 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 272.53 382.70 Td (Fee ) Tj ET Q q 0 0 0 rg BT 289.35 382.70 Td (and ) Tj ET Q q 0 0 0 rg BT 306.17 382.70 Td (Stock ) Tj ET Q q 0 0 0 rg BT 331.33 382.70 Td (Plan ) Tj ET Q q 0 0 0 rg BT 351.49 382.70 Td (\(DDFS ) Tj ET Q q 0 0 0 rg BT 387.21 382.70 Td (Plan\) ) Tj ET Q q 0 0 0 rg BT 415.14 382.70 Td (allows ) Tj ET Q q 0 0 0 rg BT 443.63 382.70 Td (directors ) Tj ET Q q 0 0 0 rg BT 481.00 382.70 Td (of ) Tj ET Q q 0 0 0 rg BT 491.71 382.70 Td (the ) Tj ET Q q 0 0 0 rg BT 506.31 382.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 547.57 382.70 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.70 Td (its ) Tj ET Q q 0 0 0 rg BT 62.16 370.70 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 112.08 370.70 Td (to ) Tj ET Q q 0 0 0 rg BT 122.57 370.70 Td (choose ) Tj ET Q q 0 0 0 rg BT 153.04 370.70 Td (to ) Tj ET Q q 0 0 0 rg BT 163.53 370.70 Td (receive ) Tj ET Q q 0 0 0 rg BT 195.10 370.70 Td (payment ) Tj ET Q q 0 0 0 rg BT 232.24 370.70 Td (of ) Tj ET Q q 0 0 0 rg BT 243.28 370.70 Td (directors) Tj ET Q q 0 0 0 rg BT 280.85 370.70 Td ( ) Tj ET Q q 0 0 0 rg BT 283.56 370.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 302.36 370.70 Td (in ) Tj ET Q q 0 0 0 rg BT 312.85 370.70 Td (either ) Tj ET Q q 0 0 0 rg BT 338.32 370.70 Td (cash ) Tj ET Q q 0 0 0 rg BT 358.80 370.70 Td (or ) Tj ET Q q 0 0 0 rg BT 369.83 370.70 Td (common ) Tj ET Q q 0 0 0 rg BT 407.54 370.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 431.35 370.70 Td (of ) Tj ET Q q 0 0 0 rg BT 442.39 370.70 Td (the ) Tj ET Q q 0 0 0 rg BT 457.31 370.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 498.91 370.70 Td (and ) Tj ET Q q 0 0 0 rg BT 516.05 370.70 Td (to ) Tj ET Q q 0 0 0 rg BT 526.54 370.70 Td (defer ) Tj ET Q q 0 0 0 rg BT 549.79 370.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.70 Td (receipt ) Tj ET Q q 0 0 0 rg BT 80.17 358.70 Td (of ) Tj ET Q q 0 0 0 rg BT 91.46 358.70 Td (the ) Tj ET Q q 0 0 0 rg BT 106.65 358.70 Td (fees. ) Tj ET Q q 0 0 0 rg BT 127.99 358.70 Td (The ) Tj ET Q q 0 0 0 rg BT 146.51 358.70 Td (DDFS ) Tj ET Q q 0 0 0 rg BT 175.04 358.70 Td (Plan ) Tj ET Q q 0 0 0 rg BT 195.78 358.70 Td (is ) Tj ET Q q 0 0 0 rg BT 205.42 358.70 Td (designed ) Tj ET Q q 0 0 0 rg BT 243.93 358.70 Td (to ) Tj ET Q q 0 0 0 rg BT 254.67 358.70 Td (encourage ) Tj ET Q q 0 0 0 rg BT 298.72 358.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 322.80 358.70 Td (ownership ) Tj ET Q q 0 0 0 rg BT 367.42 358.70 Td (by ) Tj ET Q q 0 0 0 rg BT 380.39 358.70 Td (directors. ) Tj ET Q q 0 0 0 rg BT 420.18 358.70 Td (All ) Tj ET Q q 0 0 0 rg BT 435.93 358.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 463.88 358.70 Td (of) Tj ET Q q 0 0 0 rg BT 472.03 358.70 Td (fered ) Tj ET Q q 0 0 0 rg BT 495.53 358.70 Td (under ) Tj ET Q q 0 0 0 rg BT 521.27 358.70 Td (the ) Tj ET Q q 0 0 0 rg BT 536.45 358.70 Td (DDFS ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.70 Td (Plan ) Tj ET Q q 0 0 0 rg BT 69.92 346.70 Td (will ) Tj ET Q q 0 0 0 rg BT 87.61 346.70 Td (be ) Tj ET Q q 0 0 0 rg BT 99.19 346.70 Td (either ) Tj ET Q q 0 0 0 rg BT 124.09 346.70 Td (newly ) Tj ET Q q 0 0 0 rg BT 150.66 346.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 177.80 346.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 204.93 346.70 Td (of ) Tj ET Q q 0 0 0 rg BT 215.40 346.70 Td (the ) Tj ET Q q 0 0 0 rg BT 229.75 346.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 270.78 346.70 Td (or ) Tj ET Q q 0 0 0 rg BT 281.24 346.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 308.37 346.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 335.51 346.70 Td (from ) Tj ET Q q 0 0 0 rg BT 357.09 346.70 Td (treasury) Tj ET Q q 0 0 0 rg BT 388.64 346.70 Td (. ) Tj ET Q q 0 0 0 rg BT 393.13 346.70 Td (The ) Tj ET Q q 0 0 0 rg BT 410.81 346.70 Td (number ) Tj ET Q q 0 0 0 rg BT 443.50 346.70 Td (of ) Tj ET Q q 0 0 0 rg BT 453.96 346.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 481.09 346.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 508.23 346.70 Td (is ) Tj ET Q q 0 0 0 rg BT 517.04 346.70 Td (determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.70 Td (on ) Tj ET Q q 0 0 0 rg BT 62.68 334.70 Td (a ) Tj ET Q q 0 0 0 rg BT 69.81 334.70 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 108.59 334.70 Td (basis ) Tj ET Q q 0 0 0 rg BT 131.27 334.70 Td (based ) Tj ET Q q 0 0 0 rg BT 156.72 334.70 Td (on ) Tj ET Q q 0 0 0 rg BT 169.41 334.70 Td (the ) Tj ET Q q 0 0 0 rg BT 184.31 334.70 Td (fees ) Tj ET Q q 0 0 0 rg BT 203.09 334.70 Td (earned ) Tj ET Q q 0 0 0 rg BT 232.42 334.70 Td (during ) Tj ET Q q 0 0 0 rg BT 261.22 334.70 Td (the ) Tj ET Q q 0 0 0 rg BT 276.12 334.70 Td (quarter ) Tj ET Q q 0 0 0 rg BT 307.12 334.70 Td (and ) Tj ET Q q 0 0 0 rg BT 324.24 334.70 Td (the ) Tj ET Q q 0 0 0 rg BT 339.14 334.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 355.70 334.70 Td (market ) Tj ET Q q 0 0 0 rg BT 386.15 334.70 Td (value ) Tj ET Q q 0 0 0 rg BT 410.49 334.70 Td (per ) Tj ET Q q 0 0 0 rg BT 425.94 334.70 Td (share ) Tj ET Q q 0 0 0 rg BT 449.73 334.70 Td (of ) Tj ET Q q 0 0 0 rg BT 460.74 334.70 Td (the ) Tj ET Q q 0 0 0 rg BT 475.64 334.70 Td (common ) Tj ET Q q 0 0 0 rg BT 513.32 334.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 537.12 334.70 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 334.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.70 Td (last ) Tj ET Q q 0 0 0 rg BT 65.78 322.70 Td (trading ) Tj ET Q q 0 0 0 rg BT 96.00 322.70 Td (day ) Tj ET Q q 0 0 0 rg BT 112.34 322.70 Td (of ) Tj ET Q q 0 0 0 rg BT 122.56 322.70 Td (the ) Tj ET Q q 0 0 0 rg BT 136.68 322.70 Td (preceding ) Tj ET Q q 0 0 0 rg BT 178.00 322.70 Td (quarter) Tj ET Q q 0 0 0 rg BT 205.76 322.70 Td (. ) Tj ET Q q 0 0 0 rg BT 210.02 322.70 Td (The ) Tj ET Q q 0 0 0 rg BT 227.46 322.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 254.35 322.70 Td (are ) Tj ET Q q 0 0 0 rg BT 268.45 322.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 295.35 322.70 Td (annually ) Tj ET Q q 0 0 0 rg BT 331.68 322.70 Td (and ) Tj ET Q q 0 0 0 rg BT 348.01 322.70 Td (the ) Tj ET Q q 0 0 0 rg BT 362.12 322.70 Td (directors ) Tj ET Q q 0 0 0 rg BT 399.01 322.70 Td (are ) Tj ET Q q 0 0 0 rg BT 413.11 322.70 Td (entitled ) Tj ET Q q 0 0 0 rg BT 445.00 322.70 Td (to ) Tj ET Q q 0 0 0 rg BT 454.67 322.70 Td (dividends ) Tj ET Q q 0 0 0 rg BT 495.45 322.70 Td (and ) Tj ET Q q 0 0 0 rg BT 511.79 322.70 Td (voting ) Tj ET Q q 0 0 0 rg BT 539.24 322.70 Td (rights ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.70 Td (upon ) Tj ET Q q 0 0 0 rg BT 71.55 310.70 Td (the ) Tj ET Q q 0 0 0 rg BT 85.31 310.70 Td (issuance ) Tj ET Q q 0 0 0 rg BT 120.74 310.70 Td (of ) Tj ET Q q 0 0 0 rg BT 130.62 310.70 Td (the ) Tj ET Q q 0 0 0 rg BT 144.38 310.70 Td (shares. ) Tj ET Q q 0 0 0 rg BT 173.42 310.70 Td (During ) Tj ET Q q 0 0 0 rg BT 203.30 310.70 Td (2015, ) Tj ET Q q 0 0 0 rg BT 227.34 310.70 Td (2014 ) Tj ET Q q 0 0 0 rg BT 248.89 310.70 Td (and ) Tj ET Q q 0 0 0 rg BT 264.88 310.70 Td (2013, ) Tj ET Q q 0 0 0 rg BT 288.93 310.70 Td (a ) Tj ET Q q 0 0 0 rg BT 294.91 310.70 Td (total ) Tj ET Q q 0 0 0 rg BT 314.23 310.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.11 310.70 Td (20,475) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.61 310.70 Td ( ) Tj ET Q q 0 0 0 rg BT 353.16 310.70 Td (shares, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.20 310.70 Td (19,488) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.70 310.70 Td ( ) Tj ET Q q 0 0 0 rg BT 411.25 310.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 437.78 310.70 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.77 310.70 Td (30,547) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.27 310.70 Td ( ) Tj ET Q q 0 0 0 rg BT 482.82 310.70 Td (shares, ) Tj ET Q q 0 0 0 rg BT 511.86 310.70 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.52 310.70 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.70 Td (were ) Tj ET Q q 0 0 0 rg BT 72.04 298.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 99.65 298.70 Td (to ) Tj ET Q q 0 0 0 rg BT 110.03 298.70 Td (directors. ) Tj ET Q q 0 0 0 rg BT 150.13 298.70 Td (For ) Tj ET Q q 0 0 0 rg BT 166.63 298.70 Td (those ) Tj ET Q q 0 0 0 rg BT 190.35 298.70 Td (directors ) Tj ET Q q 0 0 0 rg BT 227.94 298.70 Td (that ) Tj ET Q q 0 0 0 rg BT 245.54 298.70 Td (elect ) Tj ET Q q 0 0 0 rg BT 267.02 298.70 Td (to ) Tj ET Q q 0 0 0 rg BT 277.41 298.70 Td (defer ) Tj ET Q q 0 0 0 rg BT 300.56 298.70 Td (the ) Tj ET Q q 0 0 0 rg BT 315.38 298.70 Td (receipt ) Tj ET Q q 0 0 0 rg BT 345.19 298.70 Td (of ) Tj ET Q q 0 0 0 rg BT 356.13 298.70 Td (the ) Tj ET Q q 0 0 0 rg BT 370.96 298.70 Td (common ) Tj ET Q q 0 0 0 rg BT 408.56 298.70 Td (stock, ) Tj ET Q q 0 0 0 rg BT 434.78 298.70 Td (the ) Tj ET Q q 0 0 0 rg BT 449.61 298.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 491.10 298.70 Td (maintains ) Tj ET Q q 0 0 0 rg BT 532.59 298.70 Td (records ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.70 Td (of ) Tj ET Q q 0 0 0 rg BT 60.59 286.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 83.97 286.70 Td (units ) Tj ET Q q 0 0 0 rg BT 105.68 286.70 Td (representing ) Tj ET Q q 0 0 0 rg BT 157.37 286.70 Td (an ) Tj ET Q q 0 0 0 rg BT 169.07 286.70 Td (obligation ) Tj ET Q q 0 0 0 rg BT 211.89 286.70 Td (to ) Tj ET Q q 0 0 0 rg BT 221.93 286.70 Td (issue ) Tj ET Q q 0 0 0 rg BT 244.20 286.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 271.45 286.70 Td (of ) Tj ET Q q 0 0 0 rg BT 282.05 286.70 Td (common ) Tj ET Q q 0 0 0 rg BT 319.31 286.70 Td (stock. ) Tj ET Q q 0 0 0 rg BT 345.01 286.70 Td (The ) Tj ET Q q 0 0 0 rg BT 362.83 286.70 Td (number ) Tj ET Q q 0 0 0 rg BT 395.64 286.70 Td (of ) Tj ET Q q 0 0 0 rg BT 406.23 286.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 429.61 286.70 Td (units ) Tj ET Q q 0 0 0 rg BT 451.32 286.70 Td (equals ) Tj ET Q q 0 0 0 rg BT 479.13 286.70 Td (the ) Tj ET Q q 0 0 0 rg BT 493.61 286.70 Td (number ) Tj ET Q q 0 0 0 rg BT 526.42 286.70 Td (of ) Tj ET Q q 0 0 0 rg BT 537.02 286.70 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.70 Td (that ) Tj ET Q q 0 0 0 rg BT 67.74 274.70 Td (would ) Tj ET Q q 0 0 0 rg BT 95.48 274.70 Td (have ) Tj ET Q q 0 0 0 rg BT 117.09 274.70 Td (been ) Tj ET Q q 0 0 0 rg BT 138.71 274.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 166.45 274.70 Td (had ) Tj ET Q q 0 0 0 rg BT 183.63 274.70 Td (the ) Tj ET Q q 0 0 0 rg BT 198.59 274.70 Td (director ) Tj ET Q q 0 0 0 rg BT 232.42 274.70 Td (not ) Tj ET Q q 0 0 0 rg BT 247.94 274.70 Td (elected ) Tj ET Q q 0 0 0 rg BT 278.99 274.70 Td (to ) Tj ET Q q 0 0 0 rg BT 289.51 274.70 Td (defer ) Tj ET Q q 0 0 0 rg BT 312.79 274.70 Td (receipt ) Tj ET Q q 0 0 0 rg BT 342.73 274.70 Td (of ) Tj ET Q q 0 0 0 rg BT 353.80 274.70 Td (the ) Tj ET Q q 0 0 0 rg BT 368.76 274.70 Td (shares. ) Tj ET Q q 0 0 0 rg BT 398.39 274.70 Td (Additional ) Tj ET Q q 0 0 0 rg BT 443.90 274.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 467.75 274.70 Td (units ) Tj ET Q q 0 0 0 rg BT 489.94 274.70 Td (are ) Tj ET Q q 0 0 0 rg BT 504.89 274.70 Td (credited ) Tj ET Q q 0 0 0 rg BT 539.83 274.70 Td (at ) Tj ET Q q 0 0 0 rg BT 549.79 274.70 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.70 Td (time ) Tj ET Q q 0 0 0 rg BT 70.59 262.70 Td (dividends ) Tj ET Q q 0 0 0 rg BT 112.29 262.70 Td (are ) Tj ET Q q 0 0 0 rg BT 127.31 262.70 Td (paid, ) Tj ET Q q 0 0 0 rg BT 149.84 262.70 Td (however ) Tj ET Q q 0 0 0 rg BT 187.08 262.70 Td (no ) Tj ET Q q 0 0 0 rg BT 199.90 262.70 Td (voting ) Tj ET Q q 0 0 0 rg BT 228.27 262.70 Td (rights ) Tj ET Q q 0 0 0 rg BT 253.86 262.70 Td (are ) Tj ET Q q 0 0 0 rg BT 268.88 262.70 Td (associated ) Tj ET Q q 0 0 0 rg BT 312.79 262.70 Td (with ) Tj ET Q q 0 0 0 rg BT 333.38 262.70 Td (the ) Tj ET Q q 0 0 0 rg BT 348.41 262.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 372.33 262.70 Td (units. ) Tj ET Q q 0 0 0 rg BT 396.89 262.70 Td (The ) Tj ET Q q 0 0 0 rg BT 415.25 262.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 443.06 262.70 Td (of ) Tj ET Q q 0 0 0 rg BT 454.20 262.70 Td (common ) Tj ET Q q 0 0 0 rg BT 492.01 262.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 515.93 262.70 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.70 Td (by ) Tj ET Q q 0 0 0 rg BT 63.44 250.70 Td (the ) Tj ET Q q 0 0 0 rg BT 79.09 250.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 103.63 250.70 Td (units ) Tj ET Q q 0 0 0 rg BT 126.51 250.70 Td (are ) Tj ET Q q 0 0 0 rg BT 142.16 250.70 Td (issued ) Tj ET Q q 0 0 0 rg BT 170.59 250.70 Td (in ) Tj ET Q q 0 0 0 rg BT 181.80 250.70 Td (the ) Tj ET Q q 0 0 0 rg BT 197.46 250.70 Td (year ) Tj ET Q q 0 0 0 rg BT 218.10 250.70 Td (specified ) Tj ET Q q 0 0 0 rg BT 257.63 250.70 Td (by ) Tj ET Q q 0 0 0 rg BT 271.06 250.70 Td (the ) Tj ET Q q 0 0 0 rg BT 286.71 250.70 Td (directors ) Tj ET Q q 0 0 0 rg BT 325.13 250.70 Td (in ) Tj ET Q q 0 0 0 rg BT 336.35 250.70 Td (their ) Tj ET Q q 0 0 0 rg BT 358.11 250.70 Td (participation ) Tj ET Q q 0 0 0 rg BT 412.08 250.70 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 463.55 250.70 Td (In ) Tj ET Q q 0 0 0 rg BT 475.31 250.70 Td (July ) Tj ET Q q 0 0 0 rg BT 495.42 250.70 Td (2015, ) Tj ET Q q 0 0 0 rg BT 521.35 250.70 Td (the ) Tj ET Q q 0 0 0 rg BT 537.00 250.70 Td (shares ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.70 Td (authorized ) Tj ET Q q 0 0 0 rg BT 95.49 238.70 Td (under ) Tj ET Q q 0 0 0 rg BT 121.55 238.70 Td (the ) Tj ET Q q 0 0 0 rg BT 137.06 238.70 Td (DDFS ) Tj ET Q q 0 0 0 rg BT 165.92 238.70 Td (Plan ) Tj ET Q q 0 0 0 rg BT 186.99 238.70 Td (were ) Tj ET Q q 0 0 0 rg BT 209.71 238.70 Td (increased ) Tj ET Q q 0 0 0 rg BT 250.75 238.70 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.04 238.70 Td (150,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.54 238.70 Td (. ) Tj ET Q q 0 0 0 rg BT 301.61 238.70 Td (At ) Tj ET Q q 0 0 0 rg BT 314.90 238.70 Td (December31, ) Tj ET Q q 0 0 0 rg BT 374.27 238.70 Td (2015, ) Tj ET Q q 0 0 0 rg BT 400.06 238.70 Td (the ) Tj ET Q q 0 0 0 rg BT 415.57 238.70 Td (Company ) Tj ET Q q 0 0 0 rg BT 457.75 238.70 Td (has ) Tj ET Q q 0 0 0 rg BT 474.37 238.70 Td (an ) Tj ET Q q 0 0 0 rg BT 487.10 238.70 Td (obligation ) Tj ET Q q 0 0 0 rg BT 530.94 238.70 Td (to ) Tj ET Q q 0 0 0 rg BT 542.01 238.70 Td (issue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.70 Td (279,479) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 226.70 Td ( ) Tj ET Q q 0 0 0 rg BT 85.00 226.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 112.49 226.70 Td (of ) Tj ET Q q 0 0 0 rg BT 123.32 226.70 Td (common ) Tj ET Q q 0 0 0 rg BT 160.82 226.70 Td (stock ) Tj ET Q q 0 0 0 rg BT 184.42 226.70 Td (to ) Tj ET Q q 0 0 0 rg BT 194.70 226.70 Td (directors ) Tj ET Q q 0 0 0 rg BT 232.19 226.70 Td (and ) Tj ET Q q 0 0 0 rg BT 249.13 226.70 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.96 226.70 Td (148,363) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.46 226.70 Td ( ) Tj ET Q q 0 0 0 rg BT 299.96 226.70 Td (shares ) Tj ET Q q 0 0 0 rg BT 327.45 226.70 Td (available ) Tj ET Q q 0 0 0 rg BT 366.04 226.70 Td (for ) Tj ET Q q 0 0 0 rg BT 380.20 226.70 Td (future ) Tj ET Q q 0 0 0 rg BT 406.57 226.70 Td (grants ) Tj ET Q q 0 0 0 rg BT 433.51 226.70 Td (under ) Tj ET Q q 0 0 0 rg BT 458.78 226.70 Td (the ) Tj ET Q q 0 0 0 rg BT 473.50 226.70 Td (DDFS ) Tj ET Q q 0 0 0 rg BT 501.56 226.70 Td (Plan.) Tj ET Q endstream endobj 291 0 obj <> endobj 292 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (145) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (\(18\) Regulatory Matters) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 86.21 721.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 106.86 721.25 Td (place ) Tj ET Q q 0 0 0 rg BT 130.27 721.25 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 177.02 721.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 199.34 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.88 721.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 246.19 721.25 Td (of ) Tj ET Q q 0 0 0 rg BT 256.84 721.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 298.05 721.25 Td (that ) Tj ET Q q 0 0 0 rg BT 315.36 721.25 Td (can ) Tj ET Q q 0 0 0 rg BT 331.56 721.25 Td (be ) Tj ET Q q 0 0 0 rg BT 343.32 721.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 362.85 721.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.78 721.25 Td (W) Tj ET Q q 0 0 0 rg BT 381.82 721.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 409.70 721.25 Td (by ) Tj ET Q q 0 0 0 rg BT 422.02 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.55 721.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 464.70 721.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 491.46 721.25 Td (on ) Tj ET Q q 0 0 0 rg BT 503.78 721.25 Td (these ) Tj ET Q q 0 0 0 rg BT 526.64 721.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 549.79 721.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.58 709.25 Td (could, ) Tj ET Q q 0 0 0 rg BT 102.55 709.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 133.13 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 143.15 709.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 184.30 709.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 213.20 709.25 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 270.15 709.25 Td (declare ) Tj ET Q q 0 0 0 rg BT 301.26 709.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 342.40 709.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.27 709.25 Td (W) Tj ET Q q 0 0 0 rg BT 361.31 709.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 389.11 709.25 Td (without ) Tj ET Q q 0 0 0 rg BT 421.92 709.25 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 461.95 709.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 505.29 709.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 542.53 709.25 Td (in ) Tj ET Q q 0 0 0 rg BT 552.56 709.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.20 697.25 Td (not ) Tj ET Q q 0 0 0 rg BT 97.18 697.25 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 139.92 697.25 Td (\(a\)undivided ) Tj ET Q q 0 0 0 rg BT 195.72 697.25 Td (profits, ) Tj ET Q q 0 0 0 rg BT 226.53 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 243.17 697.25 Td (\(b\)the ) Tj ET Q q 0 0 0 rg BT 271.76 697.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 303.96 697.25 Td (of ) Tj ET Q q 0 0 0 rg BT 314.49 697.25 Td (net ) Tj ET Q q 0 0 0 rg BT 328.91 697.25 Td (income ) Tj ET Q q 0 0 0 rg BT 360.55 697.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 394.40 697.25 Td (by ) Tj ET Q q 0 0 0 rg BT 406.60 697.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 447.70 697.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 467.12 697.25 Td (for ) Tj ET Q q 0 0 0 rg BT 480.98 697.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.40 697.25 Td (current ) Tj ET Q q 0 0 0 rg BT 525.92 697.25 Td (and ) Tj ET Q q 0 0 0 rg BT 542.57 697.25 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.25 Td (two ) Tj ET Q q 0 0 0 rg BT 67.94 685.25 Td (years. ) Tj ET Q q 0 0 0 rg BT 94.49 685.25 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.76 685.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.76 685.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.20 685.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.20 685.25 Td ( ) Tj ET Q q 0 0 0 rg BT 174.15 685.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.53 685.25 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.53 685.25 Td (, ) Tj ET Q q 0 0 0 rg BT 216.97 685.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 237.68 685.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 279.51 685.25 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.01 685.25 Td ($22.2 ) Tj ET Q q 0 0 0 rg BT 338.45 685.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.34 685.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.79 685.25 Td ($77.0 ) Tj ET Q q 0 0 0 rg BT 398.23 685.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.12 685.25 Td ( ) Tj ET Q q 0 0 0 rg BT 430.06 685.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.45 685.25 Td ($1) Tj ET Q q 0 0 0 rg BT 457.08 685.25 Td (12.8 ) Tj ET Q q 0 0 0 rg BT 477.52 685.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.41 685.25 Td (, ) Tj ET Q q 0 0 0 rg BT 511.85 685.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.51 685.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 673.25 Td (were ) Tj ET Q q 0 0 0 rg BT 72.67 673.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 93.12 673.25 Td (to ) Tj ET Q q 0 0 0 rg BT 103.90 673.25 Td (W) Tj ET Q q 0 0 0 rg BT 112.94 673.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 141.73 673.25 Td (by ) Tj ET Q q 0 0 0 rg BT 154.97 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.43 673.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 196.99 673.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.67 673.25 Td (other ) Tj ET Q q 0 0 0 rg BT 238.45 673.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 290.69 673.25 Td (As ) Tj ET Q q 0 0 0 rg BT 305.04 673.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.61 673.25 Td (January1, ) Tj ET Q q 0 0 0 rg BT 360.95 673.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 386.68 673.25 Td (the ) Tj ET Q q 0 0 0 rg BT 402.14 673.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 428.71 673.25 Td (had ) Tj ET Q q 0 0 0 rg BT 446.38 673.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.38 673.25 Td ($70.2 ) Tj ET Q q 0 0 0 rg BT 533.11 673.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.25 Td (available ) Tj ET Q q 0 0 0 rg BT 88.40 661.25 Td (to ) Tj ET Q q 0 0 0 rg BT 98.48 661.25 Td (be ) Tj ET Q q 0 0 0 rg BT 110.23 661.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 129.75 661.25 Td (as ) Tj ET Q q 0 0 0 rg BT 140.39 661.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 181.58 661.25 Td (to ) Tj ET Q q 0 0 0 rg BT 191.50 661.25 Td (W) Tj ET Q q 0 0 0 rg BT 200.54 661.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 228.40 661.25 Td (without ) Tj ET Q q 0 0 0 rg BT 261.27 661.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 283.01 661.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 326.41 661.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 363.71 661.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.45 661.25 Td (without ) Tj ET Q q 0 0 0 rg BT 413.31 661.25 Td (reducing ) Tj ET Q q 0 0 0 rg BT 450.61 661.25 Td (their ) Tj ET Q q 0 0 0 rg BT 471.24 661.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 500.20 661.25 Td (below ) Tj ET Q q 0 0 0 rg BT 526.94 661.25 Td (the ) Tj ET Q q 0 0 0 rg BT 541.47 661.25 Td (well-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.25 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 95.81 649.25 Td (level.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.75 628.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 93.29 628.25 Td (are ) Tj ET Q q 0 0 0 rg BT 107.70 628.25 Td (also ) Tj ET Q q 0 0 0 rg BT 126.01 628.25 Td (required ) Tj ET Q q 0 0 0 rg BT 161.53 628.25 Td (by ) Tj ET Q q 0 0 0 rg BT 173.74 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.16 628.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 220.35 628.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 254.27 628.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 270.92 628.25 Td (to ) Tj ET Q q 0 0 0 rg BT 280.90 628.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 318.09 628.25 Td (reserves ) Tj ET Q q 0 0 0 rg BT 353.06 628.25 Td (against ) Tj ET Q q 0 0 0 rg BT 383.59 628.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 421.07 628.25 Td (Reserves ) Tj ET Q q 0 0 0 rg BT 459.37 628.25 Td (are ) Tj ET Q q 0 0 0 rg BT 473.78 628.25 Td (held ) Tj ET Q q 0 0 0 rg BT 493.21 628.25 Td (either ) Tj ET Q q 0 0 0 rg BT 518.17 628.25 Td (in ) Tj ET Q q 0 0 0 rg BT 528.16 628.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.58 628.25 Td (form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.58 616.25 Td (vault ) Tj ET Q q 0 0 0 rg BT 84.82 616.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 105.84 616.25 Td (or ) Tj ET Q q 0 0 0 rg BT 117.42 616.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 155.09 616.25 Td (maintained ) Tj ET Q q 0 0 0 rg BT 202.77 616.25 Td (with ) Tj ET Q q 0 0 0 rg BT 223.79 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.26 616.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 272.49 616.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 307.95 616.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 332.31 616.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.99 616.25 Td (are ) Tj ET Q q 0 0 0 rg BT 365.45 616.25 Td (based ) Tj ET Q q 0 0 0 rg BT 391.47 616.25 Td (on ) Tj ET Q q 0 0 0 rg BT 404.71 616.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.18 616.25 Td (average ) Tj ET Q q 0 0 0 rg BT 454.51 616.25 Td (daily ) Tj ET Q q 0 0 0 rg BT 477.76 616.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 509.89 616.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 547.56 616.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 89.73 604.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 123.33 604.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 150.27 604.25 Td (prescribed ) Tj ET Q q 0 0 0 rg BT 196.65 604.25 Td (by ) Tj ET Q q 0 0 0 rg BT 211.38 604.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.33 604.25 Td (type ) Tj ET Q q 0 0 0 rg BT 250.28 604.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.34 604.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 296.96 604.25 Td (account. ) Tj ET Q q 0 0 0 rg BT 334.24 604.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.97 604.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 409.79 604.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.79 604.25 Td ( ) Tj ET Q q 0 0 0 rg BT 434.52 604.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.69 604.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.69 604.25 Td (, ) Tj ET Q q 0 0 0 rg BT 480.92 604.25 Td (reserve ) Tj ET Q q 0 0 0 rg BT 514.52 604.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 553.67 604.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.26 592.25 Td ($412.7 ) Tj ET Q q 0 0 0 rg BT 140.26 592.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.15 592.25 Td ( ) Tj ET Q q 0 0 0 rg BT 171.65 592.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.59 592.25 Td ($291.0 ) Tj ET Q q 0 0 0 rg BT 218.59 592.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.48 592.25 Td (, ) Tj ET Q q 0 0 0 rg BT 252.48 592.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 300.14 592.25 Td (, ) Tj ET Q q 0 0 0 rg BT 305.14 592.25 Td (were ) Tj ET Q q 0 0 0 rg BT 327.07 592.25 Td (required ) Tj ET Q q 0 0 0 rg BT 362.89 592.25 Td (to ) Tj ET Q q 0 0 0 rg BT 373.16 592.25 Td (be ) Tj ET Q q 0 0 0 rg BT 385.10 592.25 Td (maintained ) Tj ET Q q 0 0 0 rg BT 432.03 592.25 Td (at ) Tj ET Q q 0 0 0 rg BT 441.75 592.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.46 592.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 488.95 592.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 523.66 592.25 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.42 571.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.18 571.25 Td (and ) Tj ET Q q 0 0 0 rg BT 127.49 571.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.58 571.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 168.79 571.25 Td (are ) Tj ET Q q 0 0 0 rg BT 183.87 571.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 215.07 571.25 Td (to ) Tj ET Q q 0 0 0 rg BT 225.72 571.25 Td (various ) Tj ET Q q 0 0 0 rg BT 258.03 571.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 302.00 571.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 331.52 571.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 386.60 571.25 Td (established ) Tj ET Q q 0 0 0 rg BT 433.90 571.25 Td (by ) Tj ET Q q 0 0 0 rg BT 446.78 571.25 Td (the ) Tj ET Q q 0 0 0 rg BT 461.87 571.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 492.50 571.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 527.59 571.25 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.25 Td (that ) Tj ET Q q 0 0 0 rg BT 69.37 559.25 Td (take ) Tj ET Q q 0 0 0 rg BT 90.39 559.25 Td (into ) Tj ET Q q 0 0 0 rg BT 110.32 559.25 Td (account ) Tj ET Q q 0 0 0 rg BT 145.78 559.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 165.15 559.25 Td (attributable ) Tj ET Q q 0 0 0 rg BT 215.06 559.25 Td (to ) Tj ET Q q 0 0 0 rg BT 227.21 559.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 262.11 559.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 287.03 559.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.84 559.25 Td (of) Tj ET Q q 0 0 0 rg BT 313.99 559.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 355.55 559.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 380.47 559.25 Td (activities. ) Tj ET Q q 0 0 0 rg BT 423.44 559.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 456.13 559.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.28 559.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 492.09 559.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 535.35 559.25 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.60 547.25 Td (can ) Tj ET Q q 0 0 0 rg BT 120.88 547.25 Td (initiate ) Tj ET Q q 0 0 0 rg BT 151.04 547.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 180.65 547.25 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 225.81 547.25 Td ( ) Tj ET Q q 0 0 0 rg BT 238.21 547.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.04 547.25 Td (possibly ) Tj ET Q q 0 0 0 rg BT 290.78 547.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 345.38 547.25 Td ( ) Tj ET Q q 0 0 0 rg BT 357.78 547.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 388.51 547.25 Td (by ) Tj ET Q q 0 0 0 rg BT 400.91 547.25 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 445.79 547.25 Td (that ) Tj ET Q q 0 0 0 rg BT 463.18 547.25 Td (if ) Tj ET Q q 0 0 0 rg BT 471.69 547.25 Td (undertaken ) Tj ET Q q 0 0 0 rg BT 518.51 547.25 Td (could ) Tj ET Q q 0 0 0 rg BT 543.13 547.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.93 535.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 82.19 535.25 Td (material ) Tj ET Q q 0 0 0 rg BT 117.44 535.25 Td (ef) Tj ET Q q 0 0 0 rg BT 125.03 535.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 142.50 535.25 Td (on ) Tj ET Q q 0 0 0 rg BT 155.00 535.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.71 535.25 Td (Company) Tj ET Q q 0 0 0 rg BT 211.37 535.25 Td (s ) Tj ET Q q 0 0 0 rg BT 217.76 535.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 255.23 535.25 Td (statements. ) Tj ET Q q 0 0 0 rg BT 302.43 535.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 329.92 535.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 359.06 535.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 399.31 535.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 442.90 535.25 Td (and ) Tj ET Q q 0 0 0 rg BT 459.83 535.25 Td (the ) Tj ET Q q 0 0 0 rg BT 474.54 535.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 518.13 535.25 Td (framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 523.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.80 523.25 Td (prompt ) Tj ET Q q 0 0 0 rg BT 94.82 523.25 Td (corrective ) Tj ET Q q 0 0 0 rg BT 136.93 523.25 Td (action, ) Tj ET Q q 0 0 0 rg BT 166.00 523.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.36 523.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 221.38 523.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.96 523.25 Td (the ) Tj ET Q q 0 0 0 rg BT 252.31 523.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 277.78 523.25 Td (must ) Tj ET Q q 0 0 0 rg BT 299.37 523.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 320.94 523.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 354.17 523.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 382.96 523.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 426.20 523.25 Td (that ) Tj ET Q q 0 0 0 rg BT 443.33 523.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 475.46 523.25 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 524.81 523.25 Td (measures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 511.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 511.25 Td (Company) Tj ET Q q 0 0 0 rg BT 117.21 511.25 Td (s ) Tj ET Q q 0 0 0 rg BT 123.60 511.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 151.93 511.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 194.15 511.25 Td (and ) Tj ET Q q 0 0 0 rg BT 211.09 511.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 240.79 511.25 Td (of) Tj ET Q q 0 0 0 rg BT 248.94 511.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 288.63 511.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 311.68 511.25 Td (items ) Tj ET Q q 0 0 0 rg BT 335.84 511.25 Td (as ) Tj ET Q q 0 0 0 rg BT 346.67 511.25 Td (calculated ) Tj ET Q q 0 0 0 rg BT 389.70 511.25 Td (under ) Tj ET Q q 0 0 0 rg BT 414.97 511.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 458.56 511.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 504.94 511.25 Td (practices. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (Quantitative ) Tj ET Q q 0 0 0 rg BT 103.18 490.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 144.13 490.25 Td (established ) Tj ET Q q 0 0 0 rg BT 192.31 490.25 Td (by ) Tj ET Q q 0 0 0 rg BT 206.06 490.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 250.34 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 261.87 490.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 291.71 490.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 322.11 490.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 363.61 490.25 Td (require ) Tj ET Q q 0 0 0 rg BT 395.67 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 411.64 490.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 454.27 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.46 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 488.42 490.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 515.50 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 527.02 490.25 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 90.95 478.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 126.89 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 143.38 478.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 167.66 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 178.04 478.25 Td (total ) Tj ET Q q 0 0 0 rg BT 197.87 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.22 478.25 Td (T) Tj ET Q q 0 0 0 rg BT 219.97 478.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 232.58 478.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 239.63 478.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 268.34 478.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 282.05 478.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 314.09 478.25 Td (in ) Tj ET Q q 0 0 0 rg BT 323.93 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 338.20 478.25 Td (regulations\) ) Tj ET Q q 0 0 0 rg BT 388.02 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.85 478.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 454.90 478.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 480.28 478.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 494.00 478.25 Td (defined\) ) Tj ET Q q 0 0 0 rg BT 529.37 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 545.71 478.25 Td (T) Tj ET Q q 0 0 0 rg BT 551.47 478.25 Td (ier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 58.30 466.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 95.46 466.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 125.41 466.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 140.37 466.25 Td (defined\) ) Tj ET Q q 0 0 0 rg BT 176.98 466.25 Td (to ) Tj ET Q q 0 0 0 rg BT 188.06 466.25 Td (average ) Tj ET Q q 0 0 0 rg BT 222.44 466.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 261.83 466.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 288.46 466.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 303.42 466.25 Td (defined\). ) Tj ET Q q 0 0 0 rg BT 342.29 466.25 Td (The ) Tj ET Q q 0 0 0 rg BT 361.14 466.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 394.42 466.25 Td (Reserve) Tj ET Q q 0 0 0 rg BT 429.41 466.25 Td (s ) Tj ET Q q 0 0 0 rg BT 436.60 466.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 466.55 466.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 510.95 466.25 Td (require ) Tj ET Q q 0 0 0 rg BT 542.56 466.25 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.48 454.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 127.17 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 136.87 454.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 173.79 454.25 Td (a ) Tj ET Q q 0 0 0 rg BT 180.15 454.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 220.97 454.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 241.22 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 251.48 454.25 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 294.51 454.25 Td (total ) Tj ET Q q 0 0 0 rg BT 314.20 454.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 342.78 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 352.48 454.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 409.39 454.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 434.65 454.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.90 454.25 Td (8.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.73 454.25 Td (, ) Tj ET Q q 0 0 0 rg BT 470.16 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 480.42 454.25 Td (which ) Tj ET Q q 0 0 0 rg BT 506.78 454.25 Td (at ) Tj ET Q q 0 0 0 rg BT 515.92 454.25 Td (least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.17 454.25 Td (4.50%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (must ) Tj ET Q q 0 0 0 rg BT 72.32 442.25 Td (be ) Tj ET Q q 0 0 0 rg BT 84.63 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 95.28 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.37 442.25 Td (form ) Tj ET Q q 0 0 0 rg BT 132.68 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 143.89 442.25 Td (common ) Tj ET Q q 0 0 0 rg BT 181.75 442.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 209.41 442.25 Td (T) Tj ET Q q 0 0 0 rg BT 215.17 442.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 228.59 442.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 236.46 442.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 265.98 442.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.30 442.25 Td (6.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.13 442.25 Td ( ) Tj ET Q q 0 0 0 rg BT 307.00 442.25 Td (must ) Tj ET Q q 0 0 0 rg BT 329.32 442.25 Td (be ) Tj ET Q q 0 0 0 rg BT 341.63 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 352.28 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 367.37 442.25 Td (form ) Tj ET Q q 0 0 0 rg BT 389.68 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 400.68 442.25 Td (T) Tj ET Q q 0 0 0 rg BT 406.43 442.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 419.85 442.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 427.73 442.25 Td (capital. ) Tj ET Q q 0 0 0 rg BT 459.54 442.25 Td (The ) Tj ET Q q 0 0 0 rg BT 477.96 442.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 510.82 442.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 545.90 442.25 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 84.69 430.25 Td (a ) Tj ET Q q 0 0 0 rg BT 91.61 430.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 132.99 430.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 169.33 430.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 190.14 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 200.77 430.25 Td (T) Tj ET Q q 0 0 0 rg BT 206.53 430.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 219.56 430.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 227.04 430.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 256.18 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 266.44 430.25 Td (total ) Tj ET Q q 0 0 0 rg BT 286.69 430.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 312.51 430.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.32 430.25 Td (4.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.15 430.25 Td (. ) Tj ET Q q 0 0 0 rg BT 349.13 430.25 Td (In ) Tj ET Q q 0 0 0 rg BT 359.95 430.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 395.20 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.90 430.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 442.37 430.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 477.06 430.25 Td (continues ) Tj ET Q q 0 0 0 rg BT 517.87 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 528.13 430.25 Td (consider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.32 418.25 Td (T) Tj ET Q q 0 0 0 rg BT 70.08 418.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 82.90 418.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 90.17 418.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 126.30 418.25 Td (ratio ) Tj ET Q q 0 0 0 rg BT 146.90 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 156.95 418.25 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 200.87 418.25 Td (proposals ) Tj ET Q q 0 0 0 rg BT 241.47 418.25 Td (for ) Tj ET Q q 0 0 0 rg BT 255.40 418.25 Td (expansion ) Tj ET Q q 0 0 0 rg BT 298.21 418.25 Td (or ) Tj ET Q q 0 0 0 rg BT 308.82 418.25 Td (new ) Tj ET Q q 0 0 0 rg BT 327.75 418.25 Td (activities. ) Tj ET Q q 0 0 0 rg BT 368.11 418.25 Td (As ) Tj ET Q q 0 0 0 rg BT 381.50 418.25 Td (reflected ) Tj ET Q q 0 0 0 rg BT 418.74 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 428.79 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 443.28 418.25 Td (following ) Tj ET Q q 0 0 0 rg BT 484.43 418.25 Td (table, ) Tj ET Q q 0 0 0 rg BT 508.64 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 418.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (met ) Tj ET Q q 0 0 0 rg BT 67.50 406.25 Td (all ) Tj ET Q q 0 0 0 rg BT 79.99 406.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 121.38 406.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 150.53 406.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 205.23 406.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.95 406.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 273.54 406.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.54 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 296.04 406.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.97 406.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.97 406.25 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 383.75 354.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 383.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 383.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 383.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 383.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 355.75 354.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 355.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 355.75 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 355.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 355.75 75.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 395.75 m 404.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 395.75 m 408.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 395.75 m 483.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 383.75 m 483.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 395.75 m 487.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 383.75 m 487.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 395.75 m 562.5 395.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 383.75 m 562.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 383.75 m 483.5 383.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 327.75 m 404.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 327.75 m 408.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 327.75 m 483.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 327.75 m 487.5 327.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 327.75 m 562.5 327.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.50 387.15 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.50 387.01 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 374.32 Td (Total capital to risk weighted assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 374.32 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 374.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 374.32 Td (13.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 374.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 360.32 Td (Tier 1 capital to risk weighted assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 360.32 Td (10.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 360.32 Td (11.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 346.32 Td (Common equity Tier 1 capital to risk weighted assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 346.32 Td (8.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 346.32 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 332.32 Td (Tier 1 leverage Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 332.32 Td (9.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 332.32 Td (10.2) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 307.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 87.45 307.25 Td (is ) Tj ET Q q 0 0 0 rg BT 96.98 307.25 Td (designated ) Tj ET Q q 0 0 0 rg BT 142.59 307.25 Td (as ) Tj ET Q q 0 0 0 rg BT 153.78 307.25 Td (a ) Tj ET Q q 0 0 0 rg BT 161.07 307.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 198.91 307.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 232.32 307.25 Td (company) Tj ET Q q 0 0 0 rg BT 268.33 307.25 Td (. ) Tj ET Q q 0 0 0 rg BT 273.68 307.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 297.65 307.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 331.06 307.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 376.68 307.25 Td (approved ) Tj ET Q q 0 0 0 rg BT 416.74 307.25 Td (as ) Tj ET Q q 0 0 0 rg BT 427.93 307.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 465.76 307.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 499.17 307.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 544.79 307.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.25 Td (engage ) Tj ET Q q 0 0 0 rg BT 79.91 295.25 Td (in ) Tj ET Q q 0 0 0 rg BT 89.28 295.25 Td (an ) Tj ET Q q 0 0 0 rg BT 100.30 295.25 Td (expanded ) Tj ET Q q 0 0 0 rg BT 140.21 295.25 Td (range ) Tj ET Q q 0 0 0 rg BT 164.01 295.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.93 295.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 214.12 295.25 Td (including ) Tj ET Q q 0 0 0 rg BT 253.48 295.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.29 295.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 311.10 295.25 Td (conducted ) Tj ET Q q 0 0 0 rg BT 353.79 295.25 Td (by ) Tj ET Q q 0 0 0 rg BT 365.38 295.25 Td (its ) Tj ET Q q 0 0 0 rg BT 376.42 295.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 404.66 295.25 Td (management ) Tj ET Q q 0 0 0 rg BT 457.34 295.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 508.30 295.25 Td (As ) Tj ET Q q 0 0 0 rg BT 521.00 295.25 Td (a ) Tj ET Q q 0 0 0 rg BT 527.03 295.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 85.36 283.25 Td (company) Tj ET Q q 0 0 0 rg BT 121.36 283.25 Td (, ) Tj ET Q q 0 0 0 rg BT 128.32 283.25 Td (W) Tj ET Q q 0 0 0 rg BT 137.36 283.25 Td (intrust) Tj ET Q q 0 0 0 rg BT 165.69 283.25 Td (s ) Tj ET Q q 0 0 0 rg BT 174.39 283.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 202.52 283.25 Td (are ) Tj ET Q q 0 0 0 rg BT 219.53 283.25 Td (required ) Tj ET Q q 0 0 0 rg BT 257.64 283.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.22 283.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 310.02 283.25 Td (their ) Tj ET Q q 0 0 0 rg BT 333.14 283.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 364.59 283.25 Td (positions ) Tj ET Q q 0 0 0 rg BT 405.51 283.25 Td (at ) Tj ET Q q 0 0 0 rg BT 417.53 283.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.55 283.25 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 512.08 283.25 Td (level. ) Tj ET Q q 0 0 0 rg BT 537.76 283.25 Td (As ) Tj ET Q q 0 0 0 rg BT 553.67 283.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.34 271.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.34 271.25 Td (, ) Tj ET Q q 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Tj ET Q endstream endobj 293 0 obj <> endobj 294 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (146) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 742.10 Td (banks) Tj ET Q q 0 0 0 rg BT 93.96 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 96.46 742.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 122.84 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 151.99 742.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 188.37 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.31 742.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 230.03 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 240.86 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.69 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 310.27 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET 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42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 555.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 555.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 555.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 555.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 555.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 555.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 555.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 555.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 555.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 555.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 555.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 555.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 555.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 555.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 531.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 531.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 531.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 531.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 531.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 531.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 531.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 531.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 531.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 531.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 507.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 507.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 507.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 507.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 507.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 507.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 507.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 507.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 507.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 507.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 483.60 190.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 483.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 483.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 483.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 483.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 483.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 483.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 483.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 483.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 483.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 483.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 483.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 483.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 483.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 483.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 459.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 459.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 459.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 459.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 459.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 459.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 459.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 459.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 459.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 459.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 435.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 435.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 435.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 435.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 435.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 435.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 435.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 435.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 435.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 435.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 411.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 411.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 411.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 411.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 411.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 411.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 411.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 411.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 411.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 411.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 387.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 387.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 387.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 387.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 387.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 387.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 387.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 387.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 387.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 387.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 363.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 363.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 363.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 363.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 363.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 363.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 363.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 363.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 363.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 363.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 339.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 339.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 339.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 339.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 339.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 339.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 339.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 339.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 339.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 339.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 315.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 315.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 315.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 315.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 315.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 315.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 315.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 315.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 315.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 315.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 291.60 281.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 291.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 291.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 291.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 291.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 291.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 291.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 291.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 291.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 291.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 291.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 267.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 267.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 267.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 267.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 267.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 267.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 267.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 267.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 267.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 267.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 243.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 243.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 243.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 243.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 243.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 243.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 243.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 243.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 243.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 243.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 219.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 219.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 219.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 219.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 219.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 219.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 219.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 219.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 219.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 219.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 195.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 195.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 195.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 195.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 195.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 195.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 195.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 195.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 195.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 195.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 171.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 171.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 171.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 171.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 171.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 171.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 171.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 171.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 171.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 171.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 147.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 147.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 147.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 147.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 147.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 147.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 147.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 147.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 147.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 147.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 123.60 144.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 194.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 198.50 123.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 240.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 244.50 123.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 123.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 123.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 123.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 425.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.50 123.60 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 123.60 42.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 123.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 520.50 123.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 99.60 144.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 194.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 198.50 99.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 240.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 244.50 99.60 41.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 285.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 289.50 99.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 331.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 335.50 99.60 44.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 379.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 383.50 99.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 425.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 429.50 99.60 41.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 470.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 474.50 99.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 516.50 99.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 520.50 99.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 75.60 144.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 194.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 198.50 75.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 240.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 244.50 75.60 41.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 285.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 289.50 75.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 331.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 335.50 75.60 44.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 379.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 383.50 75.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 425.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 429.50 75.60 41.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 470.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 474.50 75.60 42.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 516.50 75.60 4.00 -12.00 re f /GS0 gs 1 1 1 rg /GS0 gs 520.50 75.60 42.00 -12.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 731.6 m 194.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 717.6 m 194.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 731.6 m 198.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 717.6 m 198.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 731.6 m 240.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 717.6 m 240.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 731.6 m 244.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 717.6 m 244.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 731.6 m 285.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 717.6 m 285.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 731.6 m 289.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 717.6 m 289.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 731.6 m 331.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 717.6 m 331.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 731.6 m 335.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 717.6 m 335.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 731.6 m 379.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 717.6 m 379.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 731.6 m 383.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 717.6 m 383.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 731.6 m 425.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 717.6 m 425.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 731.6 m 429.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 717.6 m 429.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 731.6 m 470.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 717.6 m 470.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 731.6 m 474.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 717.6 m 474.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 731.6 m 516.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 717.6 m 516.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 731.6 m 520.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 717.6 m 520.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 731.6 m 562.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 717.6 m 562.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 687.6 m 240.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 687.6 m 244.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 687.6 m 285.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 687.6 m 289.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 687.6 m 331.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 687.6 m 335.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 687.6 m 379.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 687.6 m 383.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 687.6 m 425.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 687.6 m 429.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 687.6 m 470.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 687.6 m 474.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 687.6 m 516.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 687.6 m 520.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 687.6 m 562.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 675.6 m 194.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 675.6 m 198.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 675.6 m 240.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 675.6 m 244.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 675.6 m 285.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 675.6 m 289.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 675.6 m 331.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 675.6 m 335.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 675.6 m 379.5 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291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 291.6 m 425.5 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 291.6 m 429.5 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 291.6 m 470.5 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 291.6 m 474.5 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 291.6 m 516.5 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 291.6 m 520.5 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 291.6 m 562.5 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 99.60000000000002 m 194.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 99.60000000000002 m 198.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 99.60000000000002 m 240.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 99.60000000000002 m 244.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 99.60000000000002 m 285.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 99.60000000000002 m 289.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 99.60000000000002 m 331.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 99.60000000000002 m 335.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 99.60000000000002 m 379.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 99.60000000000002 m 383.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 99.60000000000002 m 425.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 99.60000000000002 m 429.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 99.60000000000002 m 470.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 99.60000000000002 m 474.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 99.60000000000002 m 516.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 99.60000000000002 m 520.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 99.60000000000002 m 562.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 99.60000000000002 m 194.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 99.60000000000002 m 198.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 99.60000000000002 m 240.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 99.60000000000002 m 244.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 99.60000000000002 m 285.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 99.60000000000002 m 289.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 99.60000000000002 m 331.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 99.60000000000002 m 335.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 99.60000000000002 m 379.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 99.60000000000002 m 383.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 99.60000000000002 m 425.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 99.60000000000002 m 429.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 99.60000000000002 m 470.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 99.60000000000002 m 474.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 99.60000000000002 m 516.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 99.60000000000002 m 520.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 99.60000000000002 m 562.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 51.10000000000002 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 51.10000000000002 m BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 722.06 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.20 722.05 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.10 722.06 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 692.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 692.05 Td (Actual) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.20 709.00 Td (T) Tj ET Q q 0 0 0 rg BT 318.38 709.00 Td (o Be ) Tj ET Q q 0 0 0 rg BT 337.21 709.00 Td (W) Tj ET Q q 0 0 0 rg BT 345.72 709.00 Td (ell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.10 700.00 Td (Capitalized by) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.10 691.00 Td (RegulatoryDefinition) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 692.06 Td (Actual) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 708.86 Td (T) Tj ET Q q 0 0 0 rg BT 502.62 708.86 Td (o Be ) Tj ET Q q 0 0 0 rg BT 521.45 708.86 Td (W) Tj ET Q q 0 0 0 rg BT 529.23 708.86 Td (ell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.85 699.86 Td (Capitalized by) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.35 690.86 Td (RegulatoryDefinition) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 678.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.20 679.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 679.00 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.20 679.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 679.00 Td (Ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.20 678.86 Td (Amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.75 678.86 Td (Ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.20 678.86 Td (Amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 678.86 Td (Ratio) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 53.00 667.34 Td (Total Capital \(to Risk Weighted Assets\):) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 654.86 Td (Lake Forest Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 655.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 655.00 Td (282,921) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 655.00 Td (11.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 655.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 655.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 655.00 Td (251,560) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 655.00 Td (10.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 655.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 654.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 654.86 Td (245,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 654.86 Td (10.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 654.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 654.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 654.86 Td (224,354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 654.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 654.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 642.86 Td (Hinsdale Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 643.00 Td (200,436) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 643.00 Td (12.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 643.00 Td (165,157) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 643.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 642.86 Td (155,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 642.86 Td (11.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 642.86 Td (136,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 642.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 630.86 Td (Wintrust Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 631.00 Td (377,015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 631.00 Td (11.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 631.00 Td (334,596) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 631.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 630.86 Td (312,223) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 630.86 Td (11.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 630.86 Td (279,295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 630.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 618.86 Td (Libertyville Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 619.00 Td (124,665) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 619.00 Td (11.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 619.00 Td (108,619) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 619.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 618.86 Td (113,513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 618.86 Td (11.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 618.86 Td (99,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 618.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 606.86 Td (Barrington Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 607.00 Td (187,062) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 607.00 Td (11.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 607.00 Td (165,810) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 607.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 606.86 Td (163,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 606.86 Td (11.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 606.86 Td (137,527) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 606.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 594.86 Td (Crystal Lake Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 595.00 Td (89,476) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 595.00 Td (11.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 595.00 Td (75,314) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 595.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 594.86 Td (87,138) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 594.86 Td (12.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 594.86 Td (67,482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 594.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 582.86 Td (Northbrook Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 583.00 Td (145,390) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 583.00 Td (11.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 583.00 Td (132,200) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 583.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 582.86 Td (126,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 582.86 Td (11.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 582.86 Td (114,042) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 582.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 570.86 Td (Schaumburg Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 571.00 Td (87,182) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 571.00 Td (11.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 571.00 Td (76,422) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 571.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 570.86 Td (73,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 570.86 Td (11.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 570.86 Td (65,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 570.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 558.86 Td (Village Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 559.00 Td (117,543) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 559.00 Td (11.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 559.00 Td (105,027) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 559.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 558.86 Td (103,148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 558.86 Td (11.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 558.86 Td (92,110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 558.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 546.86 Td (Beverly Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 547.00 Td (92,843) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 547.00 Td (11.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 547.00 Td (83,442) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 547.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 546.86 Td (73,808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 546.86 Td (11.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 546.86 Td (65,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 546.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 534.86 Td (Town Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 535.00 Td (159,508) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 535.00 Td (12.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 535.00 Td (133,344) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 535.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 534.86 Td (130,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 534.86 Td (12.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 534.86 Td (108,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 534.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 522.86 Td (Wheaton Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 523.00 Td (117,373) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 523.00 Td (11.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 523.00 Td (102,479) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 523.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 522.86 Td (77,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 522.86 Td (11.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 522.86 Td (66,920) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 522.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 510.86 Td (State Bank of the Lakes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 511.00 Td (89,488) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 511.00 Td (11.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 511.00 Td (80,923) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 511.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 510.86 Td (78,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 510.86 Td (11.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 510.86 Td (67,272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 510.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 498.86 Td (Old Plank Trail Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 499.00 Td (110,058) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 499.00 Td (11.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 499.00 Td (97,223) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 499.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 498.86 Td (100,082) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 498.86 Td (12.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 498.86 Td (80,420) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 498.86 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 486.86 Td (St. Charles Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 487.00 Td (81,524) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 487.00 Td (11.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 487.00 Td (72,812) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 354.25 487.00 Td (10.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 486.86 Td (71,123) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 486.86 Td (11.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 486.86 Td (63,912) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 486.86 Td (10.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 53.00 475.34 Td (Tier 1 Capital \(to Risk Weighted Assets\):) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 462.86 Td (Lake Forest Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 463.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 463.00 Td (256,126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 463.00 Td (10.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 463.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 463.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 463.00 Td (201,248) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 463.00 Td (8.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 463.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 462.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 462.86 Td (231,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 462.86 Td (10.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 462.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 462.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 462.86 Td (134,612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 462.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 462.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 450.86 Td (Hinsdale Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 451.00 Td (191,553) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 451.00 Td (11.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 451.00 Td (132,125) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 451.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 450.86 Td (146,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 450.86 Td (10.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 450.86 Td (81,849) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 450.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 438.86 Td (Wintrust Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 439.00 Td (311,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 439.00 Td (9.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 439.00 Td (267,677) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 439.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 438.86 Td (222,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 438.86 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 438.86 Td (167,577) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 438.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 426.86 Td (Libertyville Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 427.00 Td (117,965) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 427.00 Td (10.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 427.00 Td (86,895) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 427.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 426.86 Td (107,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 426.86 Td (10.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 426.86 Td (59,999) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 426.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 414.86 Td (Barrington Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 415.00 Td (176,489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 415.00 Td (10.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 415.00 Td (132,648) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 415.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 414.86 Td (150,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 414.86 Td (11.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 414.86 Td (82,516) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 414.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 402.86 Td (Crystal Lake Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 403.00 Td (85,521) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 403.00 Td (11.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 403.00 Td (60,251) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 403.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 402.86 Td (83,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 402.86 Td (12.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 402.86 Td (40,489) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 402.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 390.86 Td (Northbrook Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 391.00 Td (129,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 391.00 Td (9.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 391.00 Td (105,760) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 391.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 390.86 Td (116,808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 390.86 Td (10.2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 390.86 Td (68,425) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 390.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 378.86 Td (Schaumburg Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 379.00 Td (71,958) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 379.00 Td (9.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 379.00 Td (61,137) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 379.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 378.86 Td (67,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 378.86 Td (10.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 378.86 Td (39,291) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 378.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 366.86 Td (Village Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 367.00 Td (108,221) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 367.00 Td (10.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 367.00 Td (84,021) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 367.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 366.86 Td (97,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 366.86 Td (10.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 366.86 Td (55,266) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 366.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 354.86 Td (Beverly Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 355.00 Td (76,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 355.00 Td (9.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 355.00 Td (66,754) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 355.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 354.86 Td (71,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 354.86 Td (10.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 354.86 Td (39,137) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 354.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 342.86 Td (Town Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 343.00 Td (153,902) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 343.00 Td (11.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 343.00 Td (106,675) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 343.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 342.86 Td (125,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 342.86 Td (11.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 342.86 Td (65,061) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 342.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 330.86 Td (Wheaton Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 331.00 Td (96,799) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 331.00 Td (9.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 331.00 Td (81,983) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 331.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 330.86 Td (70,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 330.86 Td (10.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 330.86 Td (40,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 330.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 318.86 Td (State Bank of the Lakes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 319.00 Td (76,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 319.00 Td (9.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 319.00 Td (64,738) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 319.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 318.86 Td (69,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 318.86 Td (10.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 318.86 Td (40,363) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 318.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 306.86 Td (Old Plank Trail Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 307.00 Td (100,506) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 307.00 Td (10.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 307.00 Td (77,778) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 307.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 306.86 Td (96,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 306.86 Td (12.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 306.86 Td (48,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 306.86 Td (6.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 294.86 Td (St. Charles Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 295.00 Td (75,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 295.00 Td (10.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 295.00 Td (58,250) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 295.00 Td (8.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 294.86 Td (67,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 294.86 Td (10.6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 294.86 Td (38,347) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 294.86 Td (6.0) Tj ET Q BT /F2 8.50 Tf ET q 0 0 0 rg BT 53.00 283.34 Td (Common Equity Tier 1 Capital \(to Risk Weighted Assets\):) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 270.86 Td (Lake Forest Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 271.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 271.00 Td (256,126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 271.00 Td (10.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 271.00 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 271.00 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 271.00 Td (163,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 271.00 Td (6.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 271.00 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 270.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 270.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 270.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 270.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 258.86 Td (Hinsdale Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 259.00 Td (191,553) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 259.00 Td (11.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 259.00 Td (107,352) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 259.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 258.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 258.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 258.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 258.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 246.86 Td (Wintrust Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 247.00 Td (311,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 247.00 Td (9.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 247.00 Td (217,488) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 247.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 246.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 246.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 246.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 246.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 234.86 Td (Libertyville Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 235.00 Td (117,965) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 235.00 Td (10.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 235.00 Td (70,603) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 235.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 234.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 234.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 234.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 234.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 222.86 Td (Barrington Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 223.00 Td (176,489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 223.00 Td (10.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 223.00 Td (107,777) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 223.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 222.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 222.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 222.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 222.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 210.86 Td (Crystal Lake Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 211.00 Td (85,521) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 211.00 Td (11.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 211.00 Td (48,954) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 211.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 210.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 210.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 210.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 210.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 198.86 Td (Northbrook Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 199.00 Td (129,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 199.00 Td (9.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 199.00 Td (85,930) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 199.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 198.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 198.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 198.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 198.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 186.86 Td (Schaumburg Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 187.00 Td (71,958) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 187.00 Td (9.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 187.00 Td (49,674) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 187.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 186.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 186.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 186.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 186.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 174.86 Td (Village Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 175.00 Td (108,221) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 175.00 Td (10.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 175.00 Td (68,267) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 175.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 174.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 174.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 174.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 174.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 162.86 Td (Beverly Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 163.00 Td (76,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 163.00 Td (9.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 163.00 Td (54,237) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 163.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 162.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 162.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 162.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 162.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 150.86 Td (Town Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 151.00 Td (153,902) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 151.00 Td (11.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 151.00 Td (86,674) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 151.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 150.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 150.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 150.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 150.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 138.86 Td (Wheaton Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 139.00 Td (96,799) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 139.00 Td (9.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 139.00 Td (66,611) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 139.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 138.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 138.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 138.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 138.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 126.86 Td (State Bank of the Lakes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 127.00 Td (76,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 127.00 Td (9.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 127.00 Td (52,600) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 127.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 126.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 126.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 126.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 126.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 114.86 Td (Old Plank Trail Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 115.00 Td (100,506) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 115.00 Td (10.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 115.00 Td (63,195) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 115.00 Td (6.5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.95 114.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.95 114.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.95 114.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 114.86 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 102.86 Td (St. Charles Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 103.00 Td (75,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 103.00 Td (10.4) Tj ET Q BT /F2 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 682.5 m 244.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 682.5 m 285.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 682.5 m 289.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 682.5 m 331.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 682.5 m 335.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 682.5 m 379.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 682.5 m 383.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 682.5 m 425.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 682.5 m 429.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 682.5 m 470.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 682.5 m 474.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 682.5 m 516.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 682.5 m 520.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 682.5 m 562.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 682.5 m 194.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 682.5 m 198.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 682.5 m 240.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 682.5 m 244.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 682.5 m 285.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 682.5 m 289.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 682.5 m 331.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 682.5 m 335.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 682.5 m 379.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 682.5 m 383.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 682.5 m 425.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 682.5 m 429.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 682.5 m 470.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 682.5 m 474.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 682.5 m 516.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 682.5 m 520.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 682.5 m 562.5 682.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 490.5 m 194.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 194.5 490.5 m 198.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 198.5 490.5 m 240.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 240.5 490.5 m 244.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 244.5 490.5 m 285.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 490.5 m 289.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 490.5 m 331.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 490.5 m 335.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 490.5 m 379.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 490.5 m 383.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 490.5 m 425.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 425.5 490.5 m 429.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 490.5 m 470.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 490.5 m 474.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 490.5 m 516.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 490.5 m 520.5 490.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 520.5 490.5 m 562.5 490.5 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 729.76 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 252.20 729.90 Td (December 31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.10 729.76 Td (December 31, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 698.96 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 228.75 698.95 Td (Actual) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 313.20 716.95 Td (T) Tj ET Q q 0 0 0 rg BT 318.38 716.95 Td (o Be ) Tj ET Q q 0 0 0 rg BT 337.21 716.95 Td (W) Tj ET Q q 0 0 0 rg BT 345.72 716.95 Td (ell) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 306.10 707.95 Td (Capitalized by) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.10 698.95 Td (RegulatoryDefinition) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 698.96 Td (Actual) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.75 716.96 Td (T) Tj ET Q q 0 0 0 rg BT 502.62 716.96 Td (o Be ) Tj ET Q q 0 0 0 rg BT 521.45 716.96 Td (W) Tj ET Q q 0 0 0 rg BT 529.23 716.96 Td (ell) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.85 707.96 Td (Capitalized by) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.35 698.96 Td (RegulatoryDefinition) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 685.76 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 203.20 685.90 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.00 685.90 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 294.20 685.90 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 346.50 685.90 Td (Ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.20 685.76 Td (Amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 439.75 685.76 Td (Ratio) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.20 685.76 Td (Amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 685.76 Td (Ratio) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 673.90 Td (Tier 1 Leverage Ratio:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 661.76 Td (Lake Forest Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.00 661.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 661.90 Td (256,126) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 661.90 Td (9.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 276.00 661.90 Td (%) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.00 661.90 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 661.90 Td (140,541) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 661.90 Td (5.0) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.00 661.90 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 661.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 661.76 Td (231,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 661.76 Td (9.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 661.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 661.76 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 661.76 Td (128,590) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 661.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 661.76 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 649.76 Td (Hinsdale Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 649.90 Td (191,553) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 649.90 Td (9.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 649.90 Td (97,023) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 649.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 649.76 Td (146,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 649.76 Td (9.7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 649.76 Td (75,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 649.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 637.76 Td (Wintrust Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 637.90 Td (311,322) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 637.90 Td (8.9) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 298.75 637.90 Td (174,117) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 637.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 637.76 Td (222,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 637.76 Td (7.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.75 637.76 Td (149,925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 637.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 625.76 Td (Libertyville Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 625.90 Td (117,965) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 625.90 Td (9.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 625.90 Td (61,320) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 625.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 625.76 Td (107,649) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 625.76 Td (9.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 625.76 Td (58,032) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 625.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 613.76 Td (Barrington Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 613.90 Td (176,489) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 613.90 Td (9.8) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 613.90 Td (90,168) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 613.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 613.76 Td (150,705) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 613.76 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 613.76 Td (80,086) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 613.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 601.76 Td (Crystal Lake Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 601.90 Td (85,521) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 601.90 Td (9.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 601.90 Td (45,445) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 601.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 601.76 Td (83,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 601.76 Td (10.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 601.76 Td (40,502) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 601.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 589.76 Td (Northbrook Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 589.90 Td (129,514) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 589.90 Td (8.6) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 589.90 Td (75,287) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 589.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 589.76 Td (116,808) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 589.76 Td (8.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 589.76 Td (65,626) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 589.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 577.76 Td (Schaumburg Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 577.90 Td (71,958) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 577.90 Td (8.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 577.90 Td (42,707) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 577.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 577.76 Td (67,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 577.76 Td (8.9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 577.76 Td (37,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 577.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 565.76 Td (Village Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 565.90 Td (108,221) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 565.90 Td (9.2) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 565.90 Td (58,817) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 565.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 565.76 Td (97,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 565.76 Td (9.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 565.76 Td (51,753) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 565.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 553.76 Td (Beverly Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 553.90 Td (76,708) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 553.90 Td (8.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 553.90 Td (45,757) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 553.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 553.76 Td (71,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 553.76 Td (9.3) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 553.76 Td (38,304) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 553.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 541.76 Td (Town Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 541.90 Td (153,902) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 260.25 541.90 Td (10.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 541.90 Td (74,452) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 541.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.75 541.76 Td (125,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.75 541.76 Td (10.1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 541.76 Td (62,283) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 541.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 529.76 Td (Wheaton Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 529.90 Td (96,799) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 529.90 Td (8.1) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 529.90 Td (59,482) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 529.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 529.76 Td (70,632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 529.76 Td (8.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 529.76 Td (40,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 529.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 517.76 Td (State Bank of the Lakes) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 517.90 Td (76,609) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 517.90 Td (8.3) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 517.90 Td (46,001) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 517.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 517.76 Td (69,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 517.76 Td (8.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 517.76 Td (41,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 517.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 505.76 Td (Old Plank Trail Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 207.75 505.90 Td (100,506) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 505.90 Td (8.5) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 505.90 Td (59,383) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 505.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 505.76 Td (96,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 505.76 Td (8.4) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 505.76 Td (57,717) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 505.76 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 493.76 Td (St. Charles Bank) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 212.25 493.90 Td (75,348) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 264.75 493.90 Td (9.4) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 303.25 493.90 Td (39,942) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.75 493.90 Td (5.0) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 493.76 Td (67,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.25 493.76 Td (9.8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 488.25 493.76 Td (34,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 493.76 Td (5.0) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.00 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 470.00 Td (intrust) Tj ET Q q 0 0 0 rg BT 87.37 470.00 Td (s ) Tj ET Q q 0 0 0 rg BT 94.88 470.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 136.25 470.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 172.08 470.00 Td (division ) Tj ET Q q 0 0 0 rg BT 207.92 470.00 Td (and ) Tj ET Q q 0 0 0 rg BT 225.98 470.00 Td (broker/dealer ) Tj ET Q q 0 0 0 rg BT 282.89 470.00 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 327.61 470.00 Td (are ) Tj ET Q q 0 0 0 rg BT 343.43 470.00 Td (also ) Tj ET Q q 0 0 0 rg BT 363.15 470.00 Td (required ) Tj ET Q q 0 0 0 rg BT 400.08 470.00 Td (to ) Tj ET Q q 0 0 0 rg BT 411.47 470.00 Td (maintain ) Tj ET Q q 0 0 0 rg BT 450.08 470.00 Td (minimum ) Tj ET Q q 0 0 0 rg BT 492.58 470.00 Td (net ) Tj ET Q q 0 0 0 rg BT 508.41 470.00 Td (worth ) Tj ET Q q 0 0 0 rg BT 535.36 470.00 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.00 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.67 458.00 Td (with ) Tj ET Q q 0 0 0 rg BT 124.92 458.00 Td (various ) Tj ET Q q 0 0 0 rg BT 156.83 458.00 Td (governmental ) Tj ET Q q 0 0 0 rg BT 214.28 458.00 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 253.50 458.00 Td (The ) Tj ET Q q 0 0 0 rg BT 271.52 458.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 311.75 458.00 Td (banking ) Tj ET Q q 0 0 0 rg BT 346.44 458.00 Td (division) Tj ET Q q 0 0 0 rg BT 381.44 458.00 Td (s ) Tj ET Q q 0 0 0 rg BT 387.80 458.00 Td (net ) Tj ET Q q 0 0 0 rg BT 402.49 458.00 Td (worth ) Tj ET Q q 0 0 0 rg BT 428.29 458.00 Td (requirements ) Tj ET Q q 0 0 0 rg BT 482.97 458.00 Td (are ) Tj ET Q q 0 0 0 rg BT 497.64 458.00 Td (governed ) Tj ET Q q 0 0 0 rg BT 537.32 458.00 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 458.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.00 Td (Department ) Tj ET Q q 0 0 0 rg BT 99.60 446.00 Td (of ) Tj ET Q q 0 0 0 rg BT 110.33 446.00 Td (Housing ) Tj ET Q q 0 0 0 rg BT 146.62 446.00 Td (and ) Tj ET Q q 0 0 0 rg BT 163.45 446.00 Td (Urban ) Tj ET Q q 0 0 0 rg BT 190.84 446.00 Td (Development ) Tj ET Q q 0 0 0 rg BT 247.11 446.00 Td (and ) Tj ET Q q 0 0 0 rg BT 263.95 446.00 Td (the ) Tj ET Q q 0 0 0 rg BT 278.56 446.00 Td (broker/dealer) Tj ET Q q 0 0 0 rg BT 332.23 446.00 Td () Tj ET Q q 0 0 0 rg BT 335.01 446.00 Td (s ) Tj ET Q q 0 0 0 rg BT 341.30 446.00 Td (net ) Tj ET Q q 0 0 0 rg BT 355.91 446.00 Td (worth ) Tj ET Q q 0 0 0 rg BT 381.64 446.00 Td (requirements ) Tj ET Q q 0 0 0 rg BT 436.24 446.00 Td (are ) Tj ET Q q 0 0 0 rg BT 450.84 446.00 Td (governed ) Tj ET Q q 0 0 0 rg BT 490.45 446.00 Td (by ) Tj ET Q q 0 0 0 rg BT 502.85 446.00 Td (the ) Tj ET Q q 0 0 0 rg BT 517.46 446.00 Td (SEC. ) Tj ET Q q 0 0 0 rg BT 540.17 446.00 Td (As ) Tj ET Q q 0 0 0 rg BT 553.68 446.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 434.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 434.00 Td (, ) Tj ET Q q 0 0 0 rg BT 133.58 434.00 Td (these ) Tj ET Q q 0 0 0 rg BT 156.63 434.00 Td (business ) Tj ET Q q 0 0 0 rg BT 193.02 434.00 Td (units ) Tj ET Q q 0 0 0 rg BT 214.97 434.00 Td (met ) Tj ET Q q 0 0 0 rg BT 232.47 434.00 Td (their ) Tj ET Q q 0 0 0 rg BT 253.29 434.00 Td (minimum ) Tj ET Q q 0 0 0 rg BT 294.68 434.00 Td (net ) Tj ET Q q 0 0 0 rg BT 309.40 434.00 Td (worth ) Tj ET Q q 0 0 0 rg BT 335.23 434.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 364.38 434.00 Td (requirements.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 413.00 Td (\(19\) Commitments and Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.00 Td (The ) Tj ET Q q 0 0 0 rg BT 68.48 392.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.30 392.00 Td (has ) Tj ET Q q 0 0 0 rg BT 126.56 392.00 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 178.65 392.00 Td (at ) Tj ET Q q 0 0 0 rg BT 188.80 392.00 Td (any ) Tj ET Q q 0 0 0 rg BT 206.17 392.00 Td (time, ) Tj ET Q q 0 0 0 rg BT 229.38 392.00 Td (a ) Tj ET Q q 0 0 0 rg BT 236.75 392.00 Td (number ) Tj ET Q q 0 0 0 rg BT 270.22 392.00 Td (of ) Tj ET Q q 0 0 0 rg BT 281.48 392.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 338.85 392.00 Td (to ) Tj ET Q q 0 0 0 rg BT 349.56 392.00 Td (extend ) Tj ET Q q 0 0 0 rg BT 379.15 392.00 Td (credit. ) Tj ET Q q 0 0 0 rg BT 407.13 392.00 Td (These ) Tj ET Q q 0 0 0 rg BT 433.94 392.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 491.31 392.00 Td (include ) Tj ET Q q 0 0 0 rg BT 523.68 392.00 Td (revolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.00 Td (home ) Tj ET Q q 0 0 0 rg BT 74.53 380.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 101.84 380.00 Td (line ) Tj ET Q q 0 0 0 rg BT 119.14 380.00 Td (and ) Tj ET Q q 0 0 0 rg BT 135.89 380.00 Td (other ) Tj ET Q q 0 0 0 rg BT 158.75 380.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 183.83 380.00 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 234.17 380.00 Td (term ) Tj ET Q q 0 0 0 rg BT 254.81 380.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 274.34 380.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 331.09 380.00 Td (and ) Tj ET Q q 0 0 0 rg BT 347.84 380.00 Td (standby ) Tj ET Q q 0 0 0 rg BT 381.26 380.00 Td (and ) Tj ET Q q 0 0 0 rg BT 398.01 380.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 447.52 380.00 Td (letters ) Tj ET Q q 0 0 0 rg BT 474.27 380.00 Td (of ) Tj ET Q q 0 0 0 rg BT 484.91 380.00 Td (credit. ) Tj ET Q q 0 0 0 rg BT 512.48 380.00 Td (Standby ) Tj ET Q q 0 0 0 rg BT 547.57 380.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.55 368.00 Td (letters ) Tj ET Q q 0 0 0 rg BT 128.33 368.00 Td (of ) Tj ET Q q 0 0 0 rg BT 140.02 368.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 166.13 368.00 Td (are ) Tj ET Q q 0 0 0 rg BT 181.69 368.00 Td (conditional ) Tj ET Q q 0 0 0 rg BT 230.03 368.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 287.82 368.00 Td (issued ) Tj ET Q q 0 0 0 rg BT 316.18 368.00 Td (to ) Tj ET Q q 0 0 0 rg BT 327.31 368.00 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 369.52 368.00 Td (the ) Tj ET Q q 0 0 0 rg BT 385.09 368.00 Td (performance ) Tj ET Q q 0 0 0 rg BT 438.96 368.00 Td (of ) Tj ET Q q 0 0 0 rg BT 450.65 368.00 Td (a ) Tj ET Q q 0 0 0 rg BT 458.44 368.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 498.44 368.00 Td (to ) Tj ET Q q 0 0 0 rg BT 509.58 368.00 Td (a ) Tj ET Q q 0 0 0 rg BT 517.37 368.00 Td (third ) Tj ET Q q 0 0 0 rg BT 539.60 368.00 Td (party) Tj ET Q q 0 0 0 rg BT 559.50 368.00 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.00 Td (Standby ) Tj ET Q q 0 0 0 rg BT 84.50 356.00 Td (letters ) Tj ET Q q 0 0 0 rg BT 110.65 356.00 Td (of ) Tj ET Q q 0 0 0 rg BT 120.70 356.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.18 356.00 Td (are ) Tj ET Q q 0 0 0 rg BT 159.10 356.00 Td (contingent ) Tj ET Q q 0 0 0 rg BT 203.03 356.00 Td (upon ) Tj ET Q q 0 0 0 rg BT 224.75 356.00 Td (the ) Tj ET Q q 0 0 0 rg BT 238.68 356.00 Td (failure ) Tj ET Q q 0 0 0 rg BT 266.50 356.00 Td (of ) Tj ET Q q 0 0 0 rg BT 276.54 356.00 Td (the ) Tj ET Q q 0 0 0 rg BT 290.48 356.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 328.85 356.00 Td (to ) Tj ET Q q 0 0 0 rg BT 338.35 356.00 Td (perform ) Tj ET Q q 0 0 0 rg BT 372.27 356.00 Td (according ) Tj ET Q q 0 0 0 rg BT 413.41 356.00 Td (to ) Tj ET Q q 0 0 0 rg BT 422.91 356.00 Td (the ) Tj ET Q q 0 0 0 rg BT 436.84 356.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 460.78 356.00 Td (of ) Tj ET Q q 0 0 0 rg BT 470.83 356.00 Td (the ) Tj ET Q q 0 0 0 rg BT 484.76 356.00 Td (underlying ) Tj ET Q q 0 0 0 rg BT 529.80 356.00 Td (contract ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.00 Td (with ) Tj ET Q q 0 0 0 rg BT 70.75 344.00 Td (the ) Tj ET Q q 0 0 0 rg BT 85.94 344.00 Td (third ) Tj ET Q q 0 0 0 rg BT 107.80 344.00 Td (party) Tj ET Q q 0 0 0 rg BT 127.69 344.00 Td (, ) Tj ET Q q 0 0 0 rg BT 133.16 344.00 Td (while ) Tj ET Q q 0 0 0 rg BT 158.35 344.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 208.52 344.00 Td (letters ) Tj ET Q q 0 0 0 rg BT 235.93 344.00 Td (of ) Tj ET Q q 0 0 0 rg BT 247.23 344.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 272.96 344.00 Td (are ) Tj ET Q q 0 0 0 rg BT 288.14 344.00 Td (issued ) Tj ET Q q 0 0 0 rg BT 316.11 344.00 Td (specifically ) Tj ET Q q 0 0 0 rg BT 365.17 344.00 Td (to ) Tj ET Q q 0 0 0 rg BT 375.92 344.00 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 413.87 344.00 Td (commerce ) Tj ET Q q 0 0 0 rg BT 458.48 344.00 Td (and ) Tj ET Q q 0 0 0 rg BT 475.89 344.00 Td (typically ) Tj ET Q q 0 0 0 rg BT 513.85 344.00 Td (result ) Tj ET Q q 0 0 0 rg BT 539.04 344.00 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 344.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.00 Td (commitment ) Tj ET Q q 0 0 0 rg BT 103.05 332.00 Td (being ) Tj ET Q q 0 0 0 rg BT 127.76 332.00 Td (drawn ) Tj ET Q q 0 0 0 rg BT 155.25 332.00 Td (on ) Tj ET Q q 0 0 0 rg BT 167.75 332.00 Td (when ) Tj ET Q q 0 0 0 rg BT 191.91 332.00 Td (the ) Tj ET Q q 0 0 0 rg BT 206.63 332.00 Td (underlying ) Tj ET Q q 0 0 0 rg BT 252.46 332.00 Td (transaction ) Tj ET Q q 0 0 0 rg BT 298.83 332.00 Td (is ) Tj ET Q q 0 0 0 rg BT 308.00 332.00 Td (consummated ) Tj ET Q q 0 0 0 rg BT 366.04 332.00 Td (between ) Tj ET Q q 0 0 0 rg BT 401.86 332.00 Td (the ) Tj ET Q q 0 0 0 rg BT 416.57 332.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 455.73 332.00 Td (and ) Tj ET Q q 0 0 0 rg BT 472.67 332.00 Td (the ) Tj ET Q q 0 0 0 rg BT 487.38 332.00 Td (third ) Tj ET Q q 0 0 0 rg BT 508.77 332.00 Td (party) Tj ET Q q 0 0 0 rg BT 528.67 332.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.00 Td (These ) Tj ET Q q 0 0 0 rg BT 76.48 311.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 133.51 311.00 Td (involve, ) Tj ET Q q 0 0 0 rg BT 168.61 311.00 Td (to ) Tj ET Q q 0 0 0 rg BT 178.99 311.00 Td (varying ) Tj ET Q q 0 0 0 rg BT 212.13 311.00 Td (degrees, ) Tj ET Q q 0 0 0 rg BT 247.77 311.00 Td (elements ) Tj ET Q q 0 0 0 rg BT 285.91 311.00 Td (of ) Tj ET Q q 0 0 0 rg BT 296.84 311.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 322.20 311.00 Td (and ) Tj ET Q q 0 0 0 rg BT 339.24 311.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 371.27 311.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 388.86 311.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 406.45 311.00 Td (in ) Tj ET Q q 0 0 0 rg BT 416.83 311.00 Td (excess ) Tj ET Q q 0 0 0 rg BT 445.53 311.00 Td (of ) Tj ET Q q 0 0 0 rg BT 456.46 311.00 Td (the ) Tj ET Q q 0 0 0 rg BT 471.27 311.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 507.76 311.00 Td (recognized ) Tj ET Q q 0 0 0 rg BT 554.22 311.00 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.00 Td (the ) Tj ET Q q 0 0 0 rg BT 64.43 299.00 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 119.42 299.00 Td (Statements ) Tj ET Q q 0 0 0 rg BT 165.52 299.00 Td (of ) Tj ET Q q 0 0 0 rg BT 176.07 299.00 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 220.79 299.00 Td (Since ) Tj ET Q q 0 0 0 rg BT 245.22 299.00 Td (many ) Tj ET Q q 0 0 0 rg BT 269.66 299.00 Td (of ) Tj ET Q q 0 0 0 rg BT 280.21 299.00 Td (the ) Tj ET Q q 0 0 0 rg BT 294.64 299.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 351.29 299.00 Td (are ) Tj ET Q q 0 0 0 rg BT 365.72 299.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 403.47 299.00 Td (to ) Tj ET Q q 0 0 0 rg BT 413.46 299.00 Td (expire ) Tj ET Q q 0 0 0 rg BT 440.66 299.00 Td (without ) Tj ET Q q 0 0 0 rg BT 473.44 299.00 Td (being ) Tj ET Q q 0 0 0 rg BT 497.87 299.00 Td (drawn ) Tj ET Q q 0 0 0 rg BT 525.08 299.00 Td (upon, ) Tj ET Q q 0 0 0 rg BT 549.79 299.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 287.00 Td (total ) Tj ET Q q 0 0 0 rg BT 70.35 287.00 Td (commitment ) Tj ET Q q 0 0 0 rg BT 123.46 287.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 159.92 287.00 Td (do ) Tj ET Q q 0 0 0 rg BT 172.50 287.00 Td (not ) Tj ET Q q 0 0 0 rg BT 187.85 287.00 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 234.84 287.00 Td (represent ) Tj ET Q q 0 0 0 rg BT 274.06 287.00 Td (future ) Tj ET Q q 0 0 0 rg BT 300.51 287.00 Td (cash ) Tj ET Q q 0 0 0 rg BT 320.85 287.00 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 377.94 287.00 Td (The ) Tj ET Q q 0 0 0 rg BT 396.06 287.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 437.52 287.00 Td (uses ) Tj ET Q q 0 0 0 rg BT 457.31 287.00 Td (the ) Tj ET Q q 0 0 0 rg BT 472.10 287.00 Td (same ) Tj ET Q q 0 0 0 rg BT 495.22 287.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 520.56 287.00 Td (policies ) Tj ET Q q 0 0 0 rg BT 554.23 287.00 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.00 Td (making ) Tj ET Q q 0 0 0 rg BT 82.95 275.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 140.35 275.00 Td (as ) Tj ET Q q 0 0 0 rg BT 151.64 275.00 Td (it ) Tj ET Q q 0 0 0 rg BT 160.15 275.00 Td (does ) Tj ET Q q 0 0 0 rg BT 181.44 275.00 Td (for ) Tj ET Q q 0 0 0 rg BT 196.06 275.00 Td (on-balance ) Tj ET Q q 0 0 0 rg BT 242.88 275.00 Td (sheet ) Tj ET Q q 0 0 0 rg BT 266.38 275.00 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 318.51 275.00 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 378.13 275.00 Td (to ) Tj ET Q q 0 0 0 rg BT 388.87 275.00 Td (extend ) Tj ET Q q 0 0 0 rg BT 418.48 275.00 Td (commercial, ) Tj ET Q q 0 0 0 rg BT 471.14 275.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 521.29 275.00 Td (real ) Tj ET Q q 0 0 0 rg BT 539.24 275.00 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.00 Td (and ) Tj ET Q q 0 0 0 rg BT 67.25 263.00 Td (construction ) Tj ET Q q 0 0 0 rg BT 119.49 263.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 143.40 263.00 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.42 263.00 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 193.73 263.00 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.84 263.00 Td ( ) Tj ET Q q 0 0 0 rg BT 222.65 263.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.89 263.00 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 260.20 263.00 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.31 263.00 Td ( ) Tj ET Q q 0 0 0 rg BT 289.12 263.00 Td (as ) Tj ET Q q 0 0 0 rg BT 300.25 263.00 Td (of ) Tj ET Q q 0 0 0 rg BT 311.39 263.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.20 263.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 373.09 263.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.09 263.00 Td ( ) Tj ET Q q 0 0 0 rg BT 395.89 263.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.14 263.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.14 263.00 Td (, ) Tj ET Q q 0 0 0 rg BT 438.45 263.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 486.11 263.00 Td (, ) Tj ET Q q 0 0 0 rg BT 491.41 263.00 Td (and ) Tj ET Q q 0 0 0 rg BT 508.66 263.00 Td (unused ) Tj ET Q q 0 0 0 rg BT 539.80 263.00 Td (home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 251.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.19 251.00 Td (lines ) Tj ET Q q 0 0 0 rg BT 98.26 251.00 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.67 251.00 Td ($855.1 ) Tj ET Q q 0 0 0 rg BT 157.36 251.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.25 251.00 Td ( ) Tj ET Q q 0 0 0 rg BT 188.44 251.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.07 251.00 Td ($744.3 ) Tj ET Q q 0 0 0 rg BT 234.76 251.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.66 251.00 Td ( ) Tj ET Q q 0 0 0 rg BT 265.85 251.00 Td (as ) Tj ET Q q 0 0 0 rg BT 276.37 251.00 Td (of ) Tj ET Q q 0 0 0 rg BT 286.89 251.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.08 251.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 347.36 251.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.36 251.00 Td ( ) Tj ET Q q 0 0 0 rg BT 369.55 251.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.18 251.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.18 251.00 Td (, ) Tj ET Q q 0 0 0 rg BT 410.87 251.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 458.53 251.00 Td (. ) Tj ET Q q 0 0 0 rg BT 463.22 251.00 Td (Standby ) Tj ET Q q 0 0 0 rg BT 498.19 251.00 Td (and ) Tj ET Q q 0 0 0 rg BT 514.82 251.00 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.00 Td (letters ) Tj ET Q q 0 0 0 rg BT 76.93 239.00 Td (of ) Tj ET Q q 0 0 0 rg BT 87.76 239.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 113.03 239.00 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.74 239.00 Td ($176.1 ) Tj ET Q q 0 0 0 rg BT 172.74 239.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.63 239.00 Td ( ) Tj ET Q q 0 0 0 rg BT 204.13 239.00 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.85 239.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 272.43 239.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.43 239.00 Td ( ) Tj ET Q q 0 0 0 rg BT 294.93 239.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.87 239.00 Td ($175.7 ) Tj ET Q q 0 0 0 rg BT 341.87 239.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.76 239.00 Td ( ) Tj ET Q q 0 0 0 rg BT 373.26 239.00 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.98 239.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 441.56 239.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.56 239.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 218.00 Td (In ) Tj ET Q q 0 0 0 rg BT 60.98 218.00 Td (addition, ) Tj ET Q q 0 0 0 rg BT 98.89 218.00 Td (at ) Tj ET Q q 0 0 0 rg BT 108.76 218.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.40 218.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 170.13 218.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.13 218.00 Td ( ) Tj ET Q q 0 0 0 rg BT 192.78 218.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.86 218.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.86 218.00 Td (, ) Tj ET Q q 0 0 0 rg BT 235.01 218.00 Td (the ) Tj ET Q q 0 0 0 rg BT 249.87 218.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 291.40 218.00 Td (had ) Tj ET Q q 0 0 0 rg BT 308.49 218.00 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.89 218.00 Td ($473.4 ) Tj ET Q q 0 0 0 rg BT 399.04 218.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.93 218.00 Td ( ) Tj ET Q q 0 0 0 rg BT 430.57 218.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.66 218.00 Td ($427.4 ) Tj ET Q q 0 0 0 rg BT 477.80 218.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.69 218.00 Td (, ) Tj ET Q q 0 0 0 rg BT 511.84 218.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 218.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.00 Td (in ) Tj ET Q q 0 0 0 rg BT 60.79 206.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 118.25 206.00 Td (to ) Tj ET Q q 0 0 0 rg BT 129.04 206.00 Td (fund ) Tj ET Q q 0 0 0 rg BT 150.39 206.00 Td (residential ) Tj ET Q q 0 0 0 rg BT 195.06 206.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 235.84 206.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 259.96 206.00 Td (to ) Tj ET Q q 0 0 0 rg BT 270.76 206.00 Td (be ) Tj ET Q q 0 0 0 rg BT 283.21 206.00 Td (sold ) Tj ET Q q 0 0 0 rg BT 302.90 206.00 Td (into ) Tj ET Q q 0 0 0 rg BT 321.47 206.00 Td (the ) Tj ET Q q 0 0 0 rg BT 336.71 206.00 Td (secondary ) Tj ET Q q 0 0 0 rg BT 380.26 206.00 Td (market. ) Tj ET Q q 0 0 0 rg BT 413.32 206.00 Td (These ) Tj ET Q q 0 0 0 rg BT 440.22 206.00 Td (lending ) Tj ET Q q 0 0 0 rg BT 473.23 206.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 530.68 206.00 Td (are ) Tj ET Q q 0 0 0 rg BT 545.91 206.00 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.00 Td (considered ) Tj ET Q q 0 0 0 rg BT 95.42 194.00 Td (derivative ) Tj ET Q q 0 0 0 rg BT 137.51 194.00 Td (instruments. ) Tj ET Q q 0 0 0 rg BT 188.63 194.00 Td (The ) Tj ET Q q 0 0 0 rg BT 206.28 194.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 247.28 194.00 Td (also ) Tj ET Q q 0 0 0 rg BT 265.49 194.00 Td (enters ) Tj ET Q q 0 0 0 rg BT 291.48 194.00 Td (into ) Tj ET Q q 0 0 0 rg BT 309.14 194.00 Td (forward ) Tj ET Q q 0 0 0 rg BT 342.90 194.00 Td (contracts ) Tj ET Q q 0 0 0 rg BT 381.10 194.00 Td (for ) Tj ET Q q 0 0 0 rg BT 394.86 194.00 Td (the ) Tj ET Q q 0 0 0 rg BT 409.19 194.00 Td (future ) Tj ET Q q 0 0 0 rg BT 435.17 194.00 Td (delivery ) Tj ET Q q 0 0 0 rg BT 470.04 194.00 Td (of ) Tj ET Q q 0 0 0 rg BT 480.48 194.00 Td (residential ) Tj ET Q q 0 0 0 rg BT 524.24 194.00 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.16 182.00 Td (at ) Tj ET Q q 0 0 0 rg BT 84.43 182.00 Td (specified ) Tj ET Q q 0 0 0 rg BT 123.58 182.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 156.07 182.00 Td (rates ) Tj ET Q q 0 0 0 rg BT 178.00 182.00 Td (to ) Tj ET Q q 0 0 0 rg BT 188.83 182.00 Td (reduce ) Tj ET Q q 0 0 0 rg BT 218.53 182.00 Td (the ) Tj ET Q q 0 0 0 rg BT 233.80 182.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 266.28 182.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 284.32 182.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 302.37 182.00 Td (associated ) Tj ET Q q 0 0 0 rg BT 346.52 182.00 Td (with ) Tj ET Q q 0 0 0 rg BT 367.35 182.00 Td (commitments ) Tj ET Q q 0 0 0 rg BT 424.84 182.00 Td (to ) Tj ET Q q 0 0 0 rg BT 435.68 182.00 Td (fund ) Tj ET Q q 0 0 0 rg BT 457.06 182.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 481.22 182.00 Td (as ) Tj ET Q q 0 0 0 rg BT 492.60 182.00 Td (well ) Tj ET Q q 0 0 0 rg BT 512.87 182.00 Td (as ) Tj ET Q q 0 0 0 rg BT 524.26 182.00 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 76.29 170.00 Td (held-for) Tj ET Q q 0 0 0 rg BT 108.29 170.00 Td (-sale. ) Tj ET Q q 0 0 0 rg BT 134.47 170.00 Td (These ) Tj ET Q q 0 0 0 rg BT 163.52 170.00 Td (forward ) Tj ET Q q 0 0 0 rg BT 200.35 170.00 Td (contracts ) Tj ET Q q 0 0 0 rg BT 241.62 170.00 Td (are ) Tj ET Q q 0 0 0 rg BT 259.01 170.00 Td (also ) Tj ET Q q 0 0 0 rg BT 280.29 170.00 Td (considered ) Tj ET Q q 0 0 0 rg BT 328.78 170.00 Td (derivative ) Tj ET Q q 0 0 0 rg BT 373.94 170.00 Td (instruments ) Tj ET Q q 0 0 0 rg BT 425.78 170.00 Td (and ) Tj ET Q q 0 0 0 rg BT 445.40 170.00 Td (had ) Tj ET Q q 0 0 0 rg BT 465.01 170.00 Td (contractual ) Tj ET Q q 0 0 0 rg BT 514.61 170.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 553.67 170.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.00 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.73 158.00 Td ($753.9 ) Tj ET Q q 0 0 0 rg BT 139.20 158.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.09 158.00 Td ( ) Tj ET Q q 0 0 0 rg BT 170.07 158.00 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.25 158.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 237.31 158.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.31 158.00 Td ( ) Tj ET Q q 0 0 0 rg BT 259.28 158.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.69 158.00 Td ($575.4 ) Tj ET Q q 0 0 0 rg BT 305.16 158.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.05 158.00 Td ( ) Tj ET Q q 0 0 0 rg BT 336.03 158.00 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.21 158.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 403.27 158.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.27 158.00 Td (. ) Tj ET Q q 0 0 0 rg BT 427.74 158.00 Td (See ) Tj ET Q q 0 0 0 rg BT 444.15 158.00 Td (Note ) Tj ET Q q 0 0 0 rg BT 465.56 158.00 Td (20 ) Tj ET Q q 0 0 0 rg BT 477.53 158.00 Td (for ) Tj ET Q q 0 0 0 rg BT 491.17 158.00 Td (further ) Tj ET Q q 0 0 0 rg BT 520.34 158.00 Td (discussion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.00 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 146.00 Td (derivative ) Tj ET Q q 0 0 0 rg BT 104.98 146.00 Td (instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 125.00 Td (The ) Tj ET Q q 0 0 0 rg BT 69.30 125.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 111.94 125.00 Td (enters ) Tj ET Q q 0 0 0 rg BT 139.57 125.00 Td (into ) Tj ET Q q 0 0 0 rg BT 158.88 125.00 Td (residential ) Tj ET Q q 0 0 0 rg BT 204.28 125.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 245.80 125.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 266.77 125.00 Td (sale ) Tj ET Q q 0 0 0 rg BT 286.06 125.00 Td (agreements ) Tj ET Q q 0 0 0 rg BT 335.35 125.00 Td (with ) Tj ET Q q 0 0 0 rg BT 356.88 125.00 Td (investors ) Tj ET Q q 0 0 0 rg BT 396.74 125.00 Td (in ) Tj ET Q q 0 0 0 rg BT 408.27 125.00 Td (the ) Tj ET Q q 0 0 0 rg BT 424.24 125.00 Td (normal ) Tj ET Q q 0 0 0 rg BT 456.32 125.00 Td (course ) Tj ET Q q 0 0 0 rg BT 486.17 125.00 Td (of ) Tj ET Q q 0 0 0 rg BT 498.25 125.00 Td (business. ) Tj ET Q q 0 0 0 rg BT 538.12 125.00 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 113.00 Td (agreements ) Tj ET Q q 0 0 0 rg BT 97.74 113.00 Td (usually ) Tj ET Q q 0 0 0 rg BT 128.83 113.00 Td (require ) Tj ET Q q 0 0 0 rg BT 159.35 113.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 188.75 113.00 Td (representations ) Tj ET Q q 0 0 0 rg BT 251.49 113.00 Td (concerning ) Tj ET Q q 0 0 0 rg BT 298.12 113.00 Td (credit ) Tj ET Q q 0 0 0 rg BT 323.09 113.00 Td (information, ) Tj ET Q q 0 0 0 rg BT 375.00 113.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 394.43 113.00 Td (documentation, ) Tj ET Q q 0 0 0 rg BT 458.56 113.00 Td (collateral ) Tj ET Q q 0 0 0 rg BT 497.96 113.00 Td (and ) Tj ET Q q 0 0 0 rg BT 514.60 113.00 Td (insurability) Tj ET Q q 0 0 0 rg BT 559.51 113.00 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 101.00 Td (On ) Tj ET Q q 0 0 0 rg BT 65.44 101.00 Td (occasion, ) Tj ET Q q 0 0 0 rg BT 106.15 101.00 Td (investors ) Tj ET Q q 0 0 0 rg BT 145.48 101.00 Td (have ) Tj ET Q q 0 0 0 rg BT 167.57 101.00 Td (requested ) Tj ET Q q 0 0 0 rg BT 209.11 101.00 Td (the ) Tj ET Q q 0 0 0 rg BT 224.55 101.00 Td (Company ) Tj ET Q q 0 0 0 rg BT 266.65 101.00 Td (to ) Tj ET Q q 0 0 0 rg BT 277.65 101.00 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 321.98 101.00 Td (them ) Tj ET Q q 0 0 0 rg BT 345.19 101.00 Td (against ) Tj ET Q q 0 0 0 rg BT 376.74 101.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 403.85 101.00 Td (on ) Tj ET Q q 0 0 0 rg BT 417.07 101.00 Td (certain ) Tj ET Q q 0 0 0 rg BT 447.49 101.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 471.82 101.00 Td (or ) Tj ET Q q 0 0 0 rg BT 483.37 101.00 Td (to ) Tj ET Q q 0 0 0 rg BT 494.37 101.00 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 540.89 101.00 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 89.00 Td (which ) Tj ET Q q 0 0 0 rg BT 76.64 89.00 Td (the ) Tj ET Q q 0 0 0 rg BT 91.05 89.00 Td (investors ) Tj ET Q q 0 0 0 rg BT 129.36 89.00 Td (believe ) Tj ET Q q 0 0 0 rg BT 160.43 89.00 Td (do ) Tj ET Q q 0 0 0 rg BT 172.63 89.00 Td (not ) Tj ET Q q 0 0 0 rg BT 187.61 89.00 Td (comply ) Tj ET Q q 0 0 0 rg BT 219.81 89.00 Td (with ) Tj ET Q q 0 0 0 rg BT 239.79 89.00 Td (applicable ) Tj ET Q q 0 0 0 rg BT 283.07 89.00 Td (representations. ) Tj ET Q q 0 0 0 rg BT 348.31 89.00 Td (Management ) Tj ET Q q 0 0 0 rg BT 402.71 89.00 Td (maintains ) Tj ET Q q 0 0 0 rg BT 443.79 89.00 Td (a ) Tj ET Q q 0 0 0 rg BT 450.43 89.00 Td (liability ) Tj ET Q q 0 0 0 rg BT 483.74 89.00 Td (for ) Tj ET Q q 0 0 0 rg BT 497.60 89.00 Td (estimated ) Tj ET Q q 0 0 0 rg BT 538.12 89.00 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 77.00 Td (on ) Tj ET Q q 0 0 0 rg BT 62.16 77.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 85.43 77.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 123.13 77.00 Td (to ) Tj ET Q q 0 0 0 rg BT 133.07 77.00 Td (be ) Tj ET Q q 0 0 0 rg BT 144.67 77.00 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 195.14 77.00 Td (or ) Tj ET Q q 0 0 0 rg BT 205.63 77.00 Td (on ) Tj ET Q q 0 0 0 rg BT 217.80 77.00 Td (which ) Tj ET Q q 0 0 0 rg BT 244.40 77.00 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 309.88 77.00 Td (is ) Tj ET Q q 0 0 0 rg BT 318.71 77.00 Td (expected ) Tj ET Q q 0 0 0 rg BT 356.41 77.00 Td (to ) Tj ET Q q 0 0 0 rg BT 366.35 77.00 Td (be ) Tj ET Q q 0 0 0 rg BT 377.95 77.00 Td (provided ) Tj ET Q q 0 0 0 rg BT 415.66 77.00 Td (and ) Tj ET Q q 0 0 0 rg BT 432.26 77.00 Td (regularly ) Tj ET Q q 0 0 0 rg BT 470.52 77.00 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 509.88 77.00 Td (the ) Tj ET Q q 0 0 0 rg BT 524.26 77.00 Td (adequacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 65.00 Td (of ) Tj ET Q q 0 0 0 rg BT 60.88 65.00 Td (this ) Tj ET Q q 0 0 0 rg BT 77.87 65.00 Td (recourse ) Tj ET Q q 0 0 0 rg BT 114.28 65.00 Td (liability ) Tj ET Q q 0 0 0 rg BT 147.94 65.00 Td (based ) Tj ET Q q 0 0 0 rg BT 173.25 65.00 Td (on ) Tj ET Q q 0 0 0 rg BT 185.80 65.00 Td (trends ) Tj ET Q q 0 0 0 rg BT 212.79 65.00 Td (in ) Tj ET Q q 0 0 0 rg BT 223.11 65.00 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 268.96 65.00 Td (and ) Tj ET Q q 0 0 0 rg BT 285.95 65.00 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 351.81 65.00 Td (requests, ) Tj ET Q q 0 0 0 rg BT 389.62 65.00 Td (actual ) Tj ET Q q 0 0 0 rg BT 416.04 65.00 Td (loss ) Tj ET Q q 0 0 0 rg BT 434.15 65.00 Td (experience, ) Tj ET Q q 0 0 0 rg BT 482.50 65.00 Td (known ) Tj ET Q q 0 0 0 rg BT 512.27 65.00 Td (and ) Tj ET Q q 0 0 0 rg BT 529.25 65.00 Td (inherent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 53.00 Td (risks ) Tj ET Q q 0 0 0 rg BT 71.39 53.00 Td (in ) Tj ET Q q 0 0 0 rg BT 81.67 53.00 Td (the ) Tj ET Q q 0 0 0 rg BT 96.39 53.00 Td (loans, ) Tj ET Q q 0 0 0 rg BT 122.50 53.00 Td (and ) Tj ET Q q 0 0 0 rg BT 139.43 53.00 Td (current ) Tj ET Q q 0 0 0 rg BT 170.25 53.00 Td (economic ) Tj ET Q q 0 0 0 rg BT 211.62 53.00 Td (conditions.) Tj ET Q endstream endobj 297 0 obj <> endobj 298 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (148) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.54 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.41 742.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 130.07 742.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.82 742.10 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 211.31 742.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.42 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 240.41 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.73 742.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 292.49 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 316.59 742.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.35 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.35 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 350.34 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.77 742.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 388.26 742.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.37 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.36 742.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.13 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.13 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 453.62 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.40 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 474.93 742.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 509.03 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 523.68 742.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.22 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.55 730.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 134.19 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.96 730.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 216.60 730.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 245.04 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.03 730.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 303.01 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 343.10 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 366.54 730.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 411.09 730.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 430.09 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.20 730.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 478.64 730.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.52 730.10 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 516.35 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.24 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.57 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td ($3.1 ) Tj ET Q q 0 0 0 rg BT 70.23 718.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.12 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.85 718.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.79 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 170.61 718.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.61 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.33 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.50 718.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.50 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 235.73 718.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 283.39 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 288.62 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.79 718.10 Td (was ) Tj ET Q q 0 0 0 rg BT 324.07 718.10 Td (included ) Tj ET Q q 0 0 0 rg BT 361.23 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 371.74 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 395.01 718.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 434.96 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 447.69 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.63 718.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 518.13 718.10 Td (Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 706.10 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 104.84 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.85 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 108.85 706.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 138.08 706.10 Td (char) Tj ET Q q 0 0 0 rg BT 155.10 706.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 171.55 706.10 Td (against ) Tj ET Q q 0 0 0 rg BT 201.88 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.10 706.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 249.21 706.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.64 706.10 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 290.15 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.04 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 321.04 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 330.83 706.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 352.83 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 363.17 706.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 404.59 706.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.38 706.10 Td ($435,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.88 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 453.88 706.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.66 706.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.66 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 488.02 706.10 Td (These ) Tj ET Q q 0 0 0 rg BT 513.91 706.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 539.80 706.10 Td (relate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 62.70 694.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 109.27 694.10 Td (which ) Tj ET Q q 0 0 0 rg BT 138.63 694.10 Td (experienced ) Tj ET Q q 0 0 0 rg BT 191.85 694.10 Td (early ) Tj ET Q q 0 0 0 rg BT 216.76 694.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 256.11 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.47 694.10 Td (other ) Tj ET Q q 0 0 0 rg BT 300.93 694.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 337.51 694.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 374.64 694.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 406.76 694.10 Td (representation ) Tj ET Q q 0 0 0 rg BT 468.32 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.68 694.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 528.13 694.10 Td (recourse ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 661.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.55 661.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.44 661.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 142.33 661.10 Td (an ) Tj ET Q q 0 0 0 rg BT 154.77 661.10 Td (out-sourced ) Tj ET Q q 0 0 0 rg BT 204.98 661.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 245.75 661.10 Td (clearing ) Tj ET Q q 0 0 0 rg BT 280.96 661.10 Td (platform ) Tj ET Q q 0 0 0 rg BT 318.40 661.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.84 661.10 Td (has ) Tj ET Q q 0 0 0 rg BT 352.17 661.10 Td (agreed ) Tj ET Q q 0 0 0 rg BT 381.82 661.10 Td (to ) Tj ET Q q 0 0 0 rg BT 392.61 661.10 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 436.71 661.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.93 661.10 Td (clearing ) Tj ET Q q 0 0 0 rg BT 487.14 661.10 Td (broker ) Tj ET Q q 0 0 0 rg BT 516.24 661.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.36 661.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 550.36 661.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 75.87 649.10 Td (that ) Tj ET Q q 0 0 0 rg BT 92.85 649.10 Td (it ) Tj ET Q q 0 0 0 rg BT 100.39 649.10 Td (may ) Tj ET Q q 0 0 0 rg BT 119.59 649.10 Td (sustain ) Tj ET Q q 0 0 0 rg BT 149.35 649.10 Td (from ) Tj ET Q q 0 0 0 rg BT 170.77 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.96 649.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 223.60 649.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 260.57 649.10 Td (introduced ) Tj ET Q q 0 0 0 rg BT 305.31 649.10 Td (by ) Tj ET Q q 0 0 0 rg BT 317.15 649.10 Td (WHI. ) Tj ET Q q 0 0 0 rg BT 341.62 649.10 Td ( ) Tj ET Q q 0 0 0 rg BT 343.17 649.10 Td (As ) Tj ET Q q 0 0 0 rg BT 356.26 649.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.57 649.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 424.64 649.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.64 649.10 Td (, ) Tj ET Q q 0 0 0 rg BT 449.12 649.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.32 649.10 Td (total ) Tj ET Q q 0 0 0 rg BT 483.07 649.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 515.05 649.10 Td (of ) Tj ET Q q 0 0 0 rg BT 525.36 649.10 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 637.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 86.42 637.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 132.85 637.10 Td (by ) Tj ET Q q 0 0 0 rg BT 144.85 637.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.06 637.10 Td (clearing ) Tj ET Q q 0 0 0 rg BT 193.26 637.10 Td (broker ) Tj ET Q q 0 0 0 rg BT 221.36 637.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.80 637.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 268.12 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.90 637.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 343.21 637.10 Td (was ) Tj ET Q q 0 0 0 rg BT 360.76 637.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.52 637.10 Td ($26.7 ) Tj ET Q q 0 0 0 rg BT 445.02 637.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.91 637.10 Td (. ) Tj ET Q q 0 0 0 rg BT 478.26 637.10 Td (WHI ) Tj ET Q q 0 0 0 rg BT 500.25 637.10 Td (seeks ) Tj ET Q q 0 0 0 rg BT 523.91 637.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.69 637.10 Td (control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 625.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.39 625.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 85.45 625.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 128.72 625.10 Td (with ) Tj ET Q q 0 0 0 rg BT 148.67 625.10 Td (its ) Tj ET Q q 0 0 0 rg BT 160.29 625.10 Td (customers) Tj ET Q q 0 0 0 rg BT 203.43 625.10 Td ( ) Tj ET Q q 0 0 0 rg BT 205.60 625.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 243.87 625.10 Td (by ) Tj ET Q q 0 0 0 rg BT 256.04 625.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 294.87 625.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 337.59 625.10 Td (to ) Tj ET Q q 0 0 0 rg BT 347.54 625.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 384.71 625.10 Td (mar) Tj ET Q q 0 0 0 rg BT 400.07 625.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 415.02 625.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 454.39 625.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.35 625.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 512.61 625.10 Td (with ) Tj ET Q q 0 0 0 rg BT 532.56 625.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 613.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.59 613.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.53 613.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 143.57 613.10 Td (guidelines.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.07 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.03 592.10 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 112.65 592.10 Td (course ) Tj ET Q q 0 0 0 rg BT 141.50 592.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.57 592.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 191.70 592.10 Td (there ) Tj ET Q q 0 0 0 rg BT 214.43 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 229.38 592.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 251.56 592.10 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 302.62 592.10 Td (pending ) Tj ET Q q 0 0 0 rg BT 337.58 592.10 Td (against ) Tj ET Q q 0 0 0 rg BT 368.65 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.61 592.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 425.24 592.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.42 592.10 Td (its ) Tj ET Q q 0 0 0 rg BT 454.61 592.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 507.07 592.10 Td ( ) Tj ET Q q 0 0 0 rg BT 509.81 592.10 Td (Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (does ) Tj ET Q q 0 0 0 rg BT 70.83 580.10 Td (not ) Tj ET Q q 0 0 0 rg BT 86.11 580.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 117.48 580.10 Td (that ) Tj ET Q q 0 0 0 rg BT 134.98 580.10 Td (a ) Tj ET Q q 0 0 0 rg BT 141.91 580.10 Td (material ) Tj ET Q q 0 0 0 rg BT 177.17 580.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 195.23 580.10 Td (related ) Tj ET Q q 0 0 0 rg BT 224.94 580.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.21 580.10 Td (these ) Tj ET Q q 0 0 0 rg BT 258.26 580.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 290.20 580.10 Td (is ) Tj ET Q q 0 0 0 rg BT 299.37 580.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 345.18 580.10 Td (possible. ) Tj ET Q q 0 0 0 rg BT 382.96 580.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (\(20\) Derivative Financial Instruments ) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 0 0 rg BT 213.32 559.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 50.00 542.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 542.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.10 542.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 150.14 542.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 176.85 542.10 Td (into ) Tj ET Q q 0 0 0 rg BT 195.24 542.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 238.05 542.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 275.86 542.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 325.36 542.10 Td (as ) Tj ET Q q 0 0 0 rg BT 336.52 542.10 Td (part ) Tj ET Q q 0 0 0 rg BT 354.90 542.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.06 542.10 Td (its ) Tj ET Q q 0 0 0 rg BT 378.34 542.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 412.83 542.10 Td (to ) Tj ET Q q 0 0 0 rg BT 423.44 542.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 457.37 542.10 Td (its ) Tj ET Q q 0 0 0 rg BT 469.65 542.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 508.58 542.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.19 542.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.23 542.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.67 530.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 105.28 530.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 149.72 530.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 198.62 530.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 237.50 530.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 275.83 530.10 Td (between ) Tj ET Q q 0 0 0 rg BT 311.38 530.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 340.27 530.10 Td (that ) Tj ET Q q 0 0 0 rg BT 357.50 530.10 Td (result ) Tj ET Q q 0 0 0 rg BT 381.95 530.10 Td (in ) Tj ET Q q 0 0 0 rg BT 391.97 530.10 Td (one ) Tj ET Q q 0 0 0 rg BT 408.64 530.10 Td (party ) Tj ET Q q 0 0 0 rg BT 431.42 530.10 Td (delivering ) Tj ET Q q 0 0 0 rg BT 474.20 530.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 494.20 530.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.22 530.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.67 530.10 Td (other ) Tj ET Q q 0 0 0 rg BT 541.45 530.10 Td (party ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 518.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.14 518.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.51 518.10 Td (a ) Tj ET Q q 0 0 0 rg BT 94.33 518.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 129.47 518.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 161.84 518.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.65 518.10 Td (an ) Tj ET Q q 0 0 0 rg BT 190.46 518.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 236.16 518.10 Td (term ) Tj ET Q q 0 0 0 rg BT 256.86 518.10 Td (\(such ) Tj ET Q q 0 0 0 rg BT 280.89 518.10 Td (as ) Tj ET Q q 0 0 0 rg BT 291.60 518.10 Td (a ) Tj ET Q q 0 0 0 rg BT 298.41 518.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 318.27 518.10 Td (security ) Tj ET Q q 0 0 0 rg BT 352.29 518.10 Td (price ) Tj ET Q q 0 0 0 rg BT 374.65 518.10 Td (or ) Tj ET Q q 0 0 0 rg BT 385.36 518.10 Td (price ) Tj ET Q q 0 0 0 rg BT 407.71 518.10 Td (index\) ) Tj ET Q q 0 0 0 rg BT 435.63 518.10 Td (as ) Tj ET Q q 0 0 0 rg BT 446.34 518.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 484.80 518.10 Td (in ) Tj ET Q q 0 0 0 rg BT 494.96 518.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.55 518.10 Td (contract. ) Tj ET Q q 0 0 0 rg BT 546.45 518.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 506.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.19 506.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.71 506.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 112.68 506.10 Td (delivered ) Tj ET Q q 0 0 0 rg BT 152.08 506.10 Td (from ) Tj ET Q q 0 0 0 rg BT 173.71 506.10 Td (one ) Tj ET Q q 0 0 0 rg BT 190.34 506.10 Td (party ) Tj ET Q q 0 0 0 rg BT 213.08 506.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.06 506.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.47 506.10 Td (other ) Tj ET Q q 0 0 0 rg BT 260.21 506.10 Td (is ) Tj ET Q q 0 0 0 rg BT 269.07 506.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 316.25 506.10 Td (based ) Tj ET Q q 0 0 0 rg BT 341.21 506.10 Td (on ) Tj ET Q q 0 0 0 rg BT 353.41 506.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.82 506.10 Td (interaction ) Tj ET Q q 0 0 0 rg BT 412.77 506.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.30 506.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.71 506.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 472.68 506.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 504.87 506.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.39 506.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.80 506.10 Td (contract ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 494.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 494.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.00 494.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 130.82 494.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 154.15 494.10 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 202.74 494.10 Td (are ) Tj ET Q q 0 0 0 rg BT 217.45 494.10 Td (also ) Tj ET Q q 0 0 0 rg BT 236.05 494.10 Td (implicit ) Tj ET Q q 0 0 0 rg BT 269.66 494.10 Td (in ) Tj ET Q q 0 0 0 rg BT 279.94 494.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 309.64 494.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 348.24 494.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.18 494.10 Td (commitments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 473.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.32 473.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 109.07 473.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 145.82 473.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 194.26 473.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 232.12 473.10 Td (used ) Tj ET Q q 0 0 0 rg BT 252.23 473.10 Td (by ) Tj ET Q q 0 0 0 rg BT 264.00 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.99 473.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 318.64 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.19 473.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 361.06 473.10 Td (its ) Tj ET Q q 0 0 0 rg BT 372.28 473.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 410.15 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.70 473.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 450.90 473.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 467.66 473.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 484.43 473.10 Td (include: ) Tj ET Q q 0 0 0 rg BT 518.42 473.10 Td (\(1\)interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.06 461.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 93.58 461.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.10 461.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 129.94 461.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.80 461.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 172.97 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.26 461.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 218.77 461.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 235.83 461.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 252.91 461.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.32 461.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 292.60 461.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 315.22 461.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.73 461.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 366.01 461.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 383.08 461.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 408.48 461.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.00 461.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 459.28 461.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 476.34 461.10 Td (liabilities; ) Tj ET Q q 0 0 0 rg BT 518.41 461.10 Td (\(2\)interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.81 449.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 87.84 449.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 145.10 449.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 183.47 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.06 449.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 237.43 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.03 449.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 269.18 449.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 299.20 449.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 339.79 449.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 363.71 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 374.31 449.10 Td (be ) Tj ET Q q 0 0 0 rg BT 386.57 449.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 406.06 449.10 Td (into ) Tj ET Q q 0 0 0 rg BT 424.44 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.47 449.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 482.83 449.10 Td (market; ) Tj ET Q q 0 0 0 rg BT 516.19 449.10 Td (\(3\)forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 437.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 107.18 437.10 Td (for ) Tj ET Q q 0 0 0 rg BT 121.59 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.55 437.10 Td (future ) Tj ET Q q 0 0 0 rg BT 163.17 437.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 198.68 437.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.76 437.10 Td (such ) Tj ET Q q 0 0 0 rg BT 230.84 437.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 271.34 437.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 295.20 437.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.72 437.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 336.23 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.19 437.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 392.83 437.10 Td (from ) Tj ET Q q 0 0 0 rg BT 415.01 437.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 448.29 437.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 483.25 437.10 Td (in ) Tj ET Q q 0 0 0 rg BT 493.77 437.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 525.95 437.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 547.57 437.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 425.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 109.67 425.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 144.33 425.10 Td (in ) Tj ET Q q 0 0 0 rg BT 154.57 425.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.24 425.10 Td (value ) Tj ET Q q 0 0 0 rg BT 193.36 425.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.15 425.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 244.37 425.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 267.93 425.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 299.94 425.10 Td (-sale; ) Tj ET Q q 0 0 0 rg BT 324.06 425.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.95 425.10 Td (\(4\)covered ) Tj ET Q q 0 0 0 rg BT 389.22 425.10 Td (call ) Tj ET Q q 0 0 0 rg BT 406.11 425.10 Td (options ) Tj ET Q q 0 0 0 rg BT 438.02 425.10 Td (to ) Tj ET Q q 0 0 0 rg BT 448.25 425.10 Td (economically ) Tj ET Q q 0 0 0 rg BT 504.58 425.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 530.91 425.10 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 97.23 413.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 138.33 413.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.12 413.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 188.32 413.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 203.87 413.10 Td (income ) Tj ET Q q 0 0 0 rg BT 236.65 413.10 Td (ef) Tj ET Q q 0 0 0 rg BT 244.24 413.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 282.56 413.10 Td (enhancing ) Tj ET Q q 0 0 0 rg BT 327.00 413.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.56 413.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 373.67 413.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 397.01 413.10 Td (on ) Tj ET Q q 0 0 0 rg BT 410.35 413.10 Td (such ) Tj ET Q q 0 0 0 rg BT 432.02 413.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 473.13 413.10 Td (to ) Tj ET Q q 0 0 0 rg BT 484.25 413.10 Td (compensate ) Tj ET Q q 0 0 0 rg BT 534.80 413.10 Td (for ) Tj ET Q q 0 0 0 rg BT 549.80 413.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 401.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 83.22 401.10 Td (mar) Tj ET Q q 0 0 0 rg BT 98.58 401.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 115.15 401.10 Td (compression. ) Tj ET Q q 0 0 0 rg BT 171.70 401.10 Td (The ) Tj ET Q q 0 0 0 rg BT 191.04 401.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 233.71 401.10 Td (also ) Tj ET Q q 0 0 0 rg BT 253.60 401.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 281.26 401.10 Td (into ) Tj ET Q q 0 0 0 rg BT 300.60 401.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 348.26 401.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 390.36 401.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 423.58 401.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 442.35 401.10 Td (swaps\) ) Tj ET Q q 0 0 0 rg BT 473.91 401.10 Td (with ) Tj ET Q q 0 0 0 rg BT 495.47 401.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 526.46 401.10 Td (qualified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 389.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 93.60 389.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.44 389.10 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 142.48 389.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.75 389.10 Td (borrowers) Tj ET Q q 0 0 0 rg BT 200.88 389.10 Td ( ) Tj ET Q q 0 0 0 rg BT 203.95 389.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 222.01 389.10 Td (management ) Tj ET Q q 0 0 0 rg BT 276.16 389.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 316.98 389.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.48 389.10 Td (concurrently ) Tj ET Q q 0 0 0 rg BT 388.07 389.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 415.01 389.10 Td (into ) Tj ET Q q 0 0 0 rg BT 433.63 389.10 Td (mirror) Tj ET Q q 0 0 0 rg BT 458.97 389.10 Td (-image ) Tj ET Q q 0 0 0 rg BT 489.80 389.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 536.73 389.10 Td (with ) Tj ET Q q 0 0 0 rg BT 557.57 389.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 377.10 Td (third ) Tj ET Q q 0 0 0 rg BT 71.01 377.10 Td (party ) Tj ET Q q 0 0 0 rg BT 93.67 377.10 Td (counterparty) Tj ET Q q 0 0 0 rg BT 143.56 377.10 Td (, ) Tj ET Q q 0 0 0 rg BT 148.18 377.10 Td (ef) Tj ET Q q 0 0 0 rg BT 155.77 377.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 192.87 377.10 Td (making ) Tj ET Q q 0 0 0 rg BT 224.98 377.10 Td (a ) Tj ET Q q 0 0 0 rg BT 231.54 377.10 Td (market ) Tj ET Q q 0 0 0 rg BT 261.43 377.10 Td (in ) Tj ET Q q 0 0 0 rg BT 271.33 377.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.66 377.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 331.66 377.10 Td (for ) Tj ET Q q 0 0 0 rg BT 345.44 377.10 Td (such ) Tj ET Q q 0 0 0 rg BT 365.89 377.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 410.58 377.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 460.48 377.10 Td (, ) Tj ET Q q 0 0 0 rg BT 465.10 377.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.44 377.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 520.45 377.10 Td (enters ) Tj ET Q q 0 0 0 rg BT 546.45 377.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 365.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 81.38 365.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 118.85 365.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 157.45 365.10 Td (to ) Tj ET Q q 0 0 0 rg BT 167.72 365.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 201.32 365.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 232.70 365.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 272.95 365.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 290.45 365.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 334.04 365.10 Td (with ) Tj ET Q q 0 0 0 rg BT 354.32 365.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 384.02 365.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 415.40 365.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 452.88 365.10 Td (denominated ) Tj ET Q q 0 0 0 rg BT 507.03 365.10 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.48 344.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.29 344.10 Td (has ) Tj ET Q q 0 0 0 rg BT 126.55 344.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 170.02 344.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 202.38 344.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 220.29 344.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 237.10 344.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 283.90 344.10 Td (to ) Tj ET Q q 0 0 0 rg BT 294.61 344.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 321.41 344.10 Td (or ) Tj ET Q q 0 0 0 rg BT 332.67 344.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 366.69 344.10 Td (its ) Tj ET Q q 0 0 0 rg BT 379.07 344.10 Td (own ) Tj ET Q q 0 0 0 rg BT 399.22 344.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 417.15 344.10 Td (exposures. ) Tj ET Q q 0 0 0 rg BT 462.57 344.10 Td ( ) Tj ET Q q 0 0 0 rg BT 465.50 344.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 497.86 344.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 530.22 344.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 548.13 344.10 Td (cap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 96.06 332.10 Td (have ) Tj ET Q q 0 0 0 rg BT 117.13 332.10 Td (been ) Tj ET Q q 0 0 0 rg BT 138.19 332.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 183.15 332.10 Td (as ) Tj ET Q q 0 0 0 rg BT 193.66 332.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 213.62 332.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 234.14 332.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 260.21 332.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 306.27 332.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.79 332.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.19 332.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 365.58 332.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 385.54 332.10 Td (outflows ) Tj ET Q q 0 0 0 rg BT 422.73 332.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 466.01 332.10 Td (with ) Tj ET Q q 0 0 0 rg BT 485.98 332.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 517.60 332.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 552.00 332.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.03 320.10 Td (Company) Tj ET Q q 0 0 0 rg BT 105.69 320.10 Td (s ) Tj ET Q q 0 0 0 rg BT 111.39 320.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 137.09 320.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 190.56 320.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 235.68 320.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.93 320.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 280.95 320.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 318.03 320.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.84 320.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 344.42 320.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 360.11 320.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 405.79 320.10 Td (are ) Tj ET Q q 0 0 0 rg BT 419.81 320.10 Td (not ) Tj ET Q q 0 0 0 rg BT 434.40 320.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 478.97 320.10 Td (for ) Tj ET Q q 0 0 0 rg BT 492.45 320.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 518.13 320.10 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.10 Td (but ) Tj ET Q q 0 0 0 rg BT 65.19 308.10 Td (are ) Tj ET Q q 0 0 0 rg BT 79.81 308.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 121.10 308.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 151.28 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.02 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.65 308.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 223.65 308.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 253.83 308.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 293.73 308.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 332.23 308.10 Td (any ) Tj ET Q q 0 0 0 rg BT 349.08 308.10 Td (mark ) Tj ET Q q 0 0 0 rg BT 372.04 308.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.24 308.10 Td (market ) Tj ET Q q 0 0 0 rg BT 412.41 308.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 447.03 308.10 Td (in ) Tj ET Q q 0 0 0 rg BT 457.23 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.86 308.10 Td (value ) Tj ET Q q 0 0 0 rg BT 495.92 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.67 308.10 Td (these ) Tj ET Q q 0 0 0 rg BT 529.63 308.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 549.81 308.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.36 296.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.64 296.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 145.52 296.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.10 Td (Below ) Tj ET Q q 0 0 0 rg BT 78.61 275.10 Td (is ) Tj ET Q q 0 0 0 rg BT 87.78 275.10 Td (a ) Tj ET Q q 0 0 0 rg BT 94.72 275.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 134.43 275.10 Td (of ) Tj ET Q q 0 0 0 rg BT 145.26 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.98 275.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 191.91 275.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 209.40 275.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 225.78 275.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 272.15 275.10 Td (held ) Tj ET Q q 0 0 0 rg BT 291.87 275.10 Td (by ) Tj ET Q q 0 0 0 rg BT 304.37 275.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.08 275.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 360.47 275.10 Td (as ) Tj ET Q q 0 0 0 rg BT 371.30 275.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.13 275.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 440.71 275.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.71 275.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 223.60 142.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 223.60 96.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 223.60 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 223.60 115.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 223.60 83.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 193.60 142.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 193.60 96.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 193.60 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 193.60 115.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 193.60 83.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 163.60 142.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 163.60 96.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 163.60 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 163.60 115.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 163.60 83.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 133.60 142.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 133.60 96.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 133.60 76.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 133.60 115.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 133.60 83.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 264.6 m 191.5 264.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 264.6 m 287.5 264.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 264.6 m 363.5 264.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 264.6 m 478.5 264.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 264.6 m 561.5 264.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 223.60000000000002 m 191.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 223.60000000000002 m 287.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 223.60000000000002 m 363.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 363.5 223.60000000000002 m 478.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 223.60000000000002 m 561.5 223.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 103.60000000000002 m 363.5 103.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 103.60000000000002 m 561.5 103.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 89.60000000000002 m 363.5 89.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 89.60000000000002 m 561.5 89.60000000000002 l s BT /F4 10.00 Tf ET q 0 0 0 rg BT 52.00 254.31 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 307.35 241.05 Td ( Notional) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.45 241.05 Td (Accounting) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 489.45 241.05 Td (Fair Value as of) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 92.85 228.05 Td (Effective Date) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 211.35 228.05 Td (Maturity Date) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.20 229.05 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.40 229.05 Td (Treatment) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 483.20 229.05 Td (December 31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.55 213.27 Td (May 3, 2012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.55 213.27 Td (May 3, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.00 213.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 213.27 Td (215,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.40 213.27 Td (Non-Hedge Designated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.00 213.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 213.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.80 198.27 Td (August 29, 2012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.80 198.27 Td (August 29, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 198.27 Td (216,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.25 198.27 Td ( Cash Flow Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 198.27 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.20 183.27 Td (February 22, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.80 183.27 Td (August 22, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 183.27 Td (56,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.40 183.27 Td (Non-Hedge Designated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 183.27 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.20 168.27 Td (February 22, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.80 168.27 Td (August 22, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 168.27 Td (43,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.25 168.27 Td ( Cash Flow Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 168.27 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.20 153.27 Td (March 21, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.20 153.27 Td (March 21, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 153.27 Td (100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.40 153.27 Td (Non-Hedge Designated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 153.27 Td (80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.05 138.27 Td (May 16, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.10 138.27 Td (November 16, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 138.27 Td (75,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.40 138.27 Td (Non-Hedge Designated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.65 138.27 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.85 123.27 Td (September 15, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.85 123.27 Td (September 15, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 123.27 Td (50,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.25 123.27 Td ( Cash Flow Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 123.27 Td (128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.85 108.27 Td (September 30, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.85 108.27 Td (September 30, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 108.27 Td (40,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.25 108.27 Td ( Cash Flow Hedging) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 108.27 Td (110) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.00 94.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 94.17 Td (796,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.00 94.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 94.17 Td (338) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 69.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.15 69.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.64 69.10 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 154.99 69.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 197.57 69.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 235.16 69.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 284.42 69.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.80 69.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.62 69.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 362.76 69.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 400.35 69.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 445.16 69.10 Td (at ) Tj ET Q q 0 0 0 rg BT 454.98 69.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 471.46 69.10 Td (value ) Tj ET Q q 0 0 0 rg BT 495.71 69.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 538.85 69.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 69.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 83.77 57.10 Td (or ) Tj ET Q q 0 0 0 rg BT 94.21 57.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 119.10 57.10 Td (for ) Tj ET Q q 0 0 0 rg BT 132.87 57.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 165.53 57.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.86 57.10 Td (instrument. ) Tj ET Q q 0 0 0 rg BT 227.09 57.10 Td (The ) Tj ET Q q 0 0 0 rg BT 244.75 57.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 285.75 57.10 Td (records ) Tj ET Q q 0 0 0 rg BT 317.29 57.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 359.38 57.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 384.82 57.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.37 57.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 443.46 57.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 482.79 57.10 Td (on ) Tj ET Q q 0 0 0 rg BT 494.90 57.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.23 57.10 Td (Consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 45.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 97.23 45.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.91 45.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 152.26 45.10 Td (within ) Tj ET Q q 0 0 0 rg BT 181.17 45.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 215.60 45.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 248.38 45.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 292.81 45.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.60 45.10 Td (other ) Tj ET Q q 0 0 0 rg BT 334.49 45.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 361.17 45.10 Td (and ) Tj ET Q q 0 0 0 rg BT 378.96 45.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 413.39 45.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 446.17 45.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 480.62 45.10 Td (and ) Tj ET Q q 0 0 0 rg BT 498.40 45.10 Td (other ) Tj ET Q q 0 0 0 rg BT 522.30 45.10 Td (liabilities, ) Tj ET Q endstream endobj 299 0 obj <> endobj 300 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (149) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 101.92 742.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 138.12 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 147.65 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.63 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 177.26 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 200.67 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.76 742.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 252.50 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 289.24 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 337.66 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 351.63 742.10 Td (either ) Tj ET Q q 0 0 0 rg BT 376.15 742.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 421.77 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 431.30 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 462.50 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 472.58 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.12 742.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 535.24 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 537.00 742.10 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.59 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 69.29 730.10 Td (component ) Tj ET Q q 0 0 0 rg BT 116.98 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.58 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 152.38 730.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 216.18 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 248.87 730.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 293.79 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 307.05 730.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 342.51 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.99 730.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 401.23 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 439.47 730.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 485.51 730.10 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 523.20 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 538.12 730.10 Td (hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 95.95 718.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 114.96 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 123.14 718.10 Td (so, ) Tj ET Q q 0 0 0 rg BT 136.61 718.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 170.89 718.10 Td (it ) Tj ET Q q 0 0 0 rg BT 178.52 718.10 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 215.03 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 225.43 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 231.94 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 247.90 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 271.63 718.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 297.58 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 307.98 718.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 327.82 718.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 348.23 718.10 Td (hedge. ) Tj ET Q q 0 0 0 rg BT 376.68 718.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 415.45 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 420.03 718.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 454.31 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.16 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 480.11 718.10 Td (values ) Tj ET Q q 0 0 0 rg BT 507.73 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.14 718.10 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 93.23 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 107.60 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 118.63 706.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 135.21 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 159.56 706.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 190.03 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 204.94 706.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 242.62 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.10 706.10 Td (income ) Tj ET Q q 0 0 0 rg BT 285.23 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 295.71 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.63 706.10 Td (same ) Tj ET Q q 0 0 0 rg BT 333.88 706.10 Td (period ) Tj ET Q q 0 0 0 rg BT 362.13 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.27 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 389.75 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.67 706.10 Td (same ) Tj ET Q q 0 0 0 rg BT 427.92 706.10 Td (income ) Tj ET Q q 0 0 0 rg BT 460.05 706.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 501.07 706.10 Td (line ) Tj ET Q q 0 0 0 rg BT 518.77 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 529.80 706.10 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.43 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.31 694.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 91.84 694.10 Td (values ) Tj ET Q q 0 0 0 rg BT 120.04 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.03 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.90 694.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 177.44 694.10 Td (items ) Tj ET Q q 0 0 0 rg BT 201.76 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 219.41 694.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 244.27 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.70 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.58 694.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 301.11 694.10 Td (risk\(s\). ) Tj ET Q q 0 0 0 rg BT 331.82 694.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 368.91 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 379.35 694.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 395.88 694.10 Td (values ) Tj ET Q q 0 0 0 rg BT 424.08 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.07 694.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 477.71 694.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 515.34 694.10 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 93.15 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 107.43 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 118.39 682.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 138.78 682.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 159.73 682.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 192.62 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 203.02 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.85 682.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 244.91 682.10 Td (they ) Tj ET Q q 0 0 0 rg BT 264.75 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 279.57 682.10 Td (ef) Tj ET Q q 0 0 0 rg BT 287.16 682.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 316.99 682.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 349.88 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 364.70 682.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 402.30 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 413.25 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.31 682.10 Td (component ) Tj ET Q q 0 0 0 rg BT 467.37 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.32 682.10 Td (other ) Tj ET Q q 0 0 0 rg BT 501.48 682.10 Td (comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 84.15 670.10 Td (net ) Tj ET Q q 0 0 0 rg BT 98.58 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 109.13 670.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 144.65 670.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 169.92 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.57 670.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 234.32 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.32 670.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 280.41 670.10 Td (when ) Tj ET Q q 0 0 0 rg BT 304.29 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.72 670.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 349.81 670.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 395.90 670.10 Td (af) Tj ET Q q 0 0 0 rg BT 403.49 670.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 424.58 670.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 463.18 670.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 499.83 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 509.83 670.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 525.92 670.10 Td (values ) Tj ET Q q 0 0 0 rg BT 553.69 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 93.00 658.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 131.01 658.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 180.70 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 196.50 658.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 242.29 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.09 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 260.55 658.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 295.79 658.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 346.03 658.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 383.49 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 393.63 658.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 416.10 658.10 Td (815, ) Tj ET Q q 0 0 0 rg BT 436.63 658.10 Td (including ) Tj ET Q q 0 0 0 rg BT 477.42 658.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 512.66 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 523.46 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.36 658.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (related ) Tj ET Q q 0 0 0 rg BT 78.74 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.05 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.80 646.10 Td (inef) Tj ET Q q 0 0 0 rg BT 117.17 646.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 145.91 646.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 176.33 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.20 646.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 205.50 646.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 225.37 646.10 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 257.17 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 270.91 646.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 305.76 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 315.08 646.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 364.38 646.10 Td (income ) Tj ET Q q 0 0 0 rg BT 395.35 646.10 Td (during ) Tj ET Q q 0 0 0 rg BT 422.99 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.74 646.10 Td (period ) Tj ET Q q 0 0 0 rg BT 463.83 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.69 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.44 646.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 519.79 646.10 Td (Derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.54 634.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 136.76 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 151.53 634.10 Td (valued ) Tj ET Q q 0 0 0 rg BT 180.74 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 193.30 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 200.30 634.10 Td (third ) Tj ET Q q 0 0 0 rg BT 221.74 634.10 Td (party ) Tj ET Q q 0 0 0 rg BT 244.85 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.85 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 276.61 634.10 Td (corroborated ) Tj ET Q q 0 0 0 rg BT 330.25 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 342.81 634.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 392.03 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 412.36 634.10 Td (valuations ) Tj ET Q q 0 0 0 rg BT 456.03 634.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 494.13 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 506.69 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.46 634.10 Td (respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 111.42 622.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 129.80 622.10 Td (values ) Tj ET Q q 0 0 0 rg BT 157.62 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.22 622.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 197.70 622.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 237.74 622.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 272.23 622.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 318.38 622.10 Td (\(interest ) Tj ET Q q 0 0 0 rg BT 353.41 622.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 370.67 622.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 390.17 622.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 446.88 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.59 622.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 497.52 622.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 554.23 622.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 66.80 610.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 107.47 610.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 134.82 610.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.94 610.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 191.17 610.10 Td (based ) Tj ET Q q 0 0 0 rg BT 216.85 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 229.77 610.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 264.88 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 275.57 610.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 316.25 610.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 348.60 610.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 370.38 610.10 Td (from ) Tj ET Q q 0 0 0 rg BT 392.73 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.86 610.10 Td (date ) Tj ET Q q 0 0 0 rg BT 427.43 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.67 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.80 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 473.93 610.10 Td (commitment. ) Tj ET Q q 0 0 0 rg BT 529.68 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 548.13 610.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.29 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.25 598.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 116.75 598.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 154.36 598.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 200.86 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 210.17 598.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 252.23 598.10 Td (based ) Tj ET Q q 0 0 0 rg BT 277.63 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 290.26 598.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 325.10 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 335.51 598.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 367.01 598.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 404.62 598.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 426.13 598.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 452.08 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 462.49 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.34 598.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 512.17 598.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.23 598.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (those ) Tj ET Q q 0 0 0 rg BT 73.61 586.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 116.65 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 126.37 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.08 586.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 196.89 586.10 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (The ) Tj ET Q q 0 0 0 rg BT 70.08 565.10 Td (table ) Tj ET Q q 0 0 0 rg BT 94.06 565.10 Td (below ) Tj ET Q q 0 0 0 rg BT 123.03 565.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 160.34 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.09 565.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 195.51 565.10 Td (value ) Tj ET Q q 0 0 0 rg BT 221.70 565.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.57 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.33 565.10 Td (Company) Tj ET Q q 0 0 0 rg BT 292.99 565.10 Td (s ) Tj ET Q q 0 0 0 rg BT 301.42 565.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 345.94 565.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 385.46 565.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 436.66 565.10 Td (as ) Tj ET Q q 0 0 0 rg BT 449.53 565.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.40 565.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 523.02 565.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.02 565.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.56 565.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 553.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 553.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 476.60 272.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 476.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 476.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 476.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 476.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 476.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 476.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 476.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 476.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 476.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 450.60 272.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 450.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 450.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 450.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 450.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 450.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 450.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 450.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 450.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 450.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 424.60 272.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 424.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 424.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 424.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 424.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 424.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 424.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 424.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 424.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 424.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 398.60 272.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 398.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 398.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 398.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 398.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 398.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 398.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 398.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 398.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 398.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 372.60 272.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 372.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 372.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 372.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 372.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 372.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 372.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 372.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 372.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 372.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 346.60 272.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 346.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 346.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 346.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 346.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 439.50 346.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 346.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 346.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 346.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 346.60 55.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 533.6 m 321.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 533.6 m 325.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 520.6 m 325.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 533.6 m 380.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 520.6 m 380.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 533.6 m 384.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 520.6 m 384.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 533.6 m 439.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 520.6 m 439.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 533.6 m 443.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 520.6 m 443.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 533.6 m 447.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 520.6 m 447.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 533.6 m 502.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 520.6 m 502.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 533.6 m 506.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 520.6 m 506.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 533.6 m 561.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 520.6 m 561.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 520.6 m 325.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 505.6 m 325.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 520.6 m 380.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 505.6 m 380.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 520.6 m 384.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 505.6 m 384.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 520.6 m 439.5 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 505.6 m 439.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 505.6 m 443.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 505.6 m 447.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 505.6 m 502.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 505.6 m 506.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 505.6 m 561.5 505.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 476.6 m 321.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 321.5 476.6 m 325.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 476.6 m 380.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 476.6 m 384.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 476.6 m 439.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 476.6 m 443.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 476.6 m 447.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 476.6 m 502.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 476.6 m 506.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 476.6 m 561.5 476.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 437.6 m 380.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 437.6 m 384.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 437.6 m 439.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 437.6 m 443.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 437.6 m 447.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 437.6 m 502.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 437.6 m 506.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 437.6 m 561.5 437.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 424.6 m 380.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 424.6 m 384.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 424.6 m 439.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 424.6 m 443.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 424.6 m 447.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 424.6 m 502.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 424.6 m 506.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 424.6 m 561.5 424.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 359.6 m 380.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 359.6 m 384.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 359.6 m 439.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 359.6 m 443.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 359.6 m 447.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 359.6 m 502.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 359.6 m 506.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 359.6 m 561.5 359.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 346.6 m 380.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 346.6 m 384.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 346.6 m 439.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 346.6 m 443.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 346.6 m 447.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 346.6 m 502.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 346.6 m 506.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 346.6 m 561.5 346.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 333.6 m 380.5 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 333.6 m 384.5 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 333.6 m 439.5 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 439.5 333.6 m 443.5 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 333.6 m 447.5 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 333.6 m 502.5 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 333.6 m 506.5 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 333.6 m 561.5 333.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.35 524.86 Td (Derivative Assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 463.60 524.86 Td (Derivative Liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.45 510.06 Td (Fair Value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.45 510.06 Td (Fair Value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 480.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 329.25 488.83 Td (December 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 344.50 480.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.05 488.85 Td (December 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.50 480.85 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.25 488.83 Td (December 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.50 480.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.05 488.85 Td (December 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 525.50 480.85 Td (2014) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.00 468.68 Td (Derivatives designated as hedging instruments underASC 815:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 455.55 Td (Interest rate derivatives designated as Cash Flow Hedges) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.00 454.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.30 454.83 Td (242) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 454.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.30 454.85 Td (1,390) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 454.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 487.30 454.83 Td (846) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 454.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 454.85 Td (1,994) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 442.55 Td (Interest rate derivatives designated as Fair Value Hedges) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 369.30 441.83 Td (27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.30 441.85 Td (52) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 487.30 441.83 Td (143) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 441.85 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.00 429.68 Td (Total derivatives designated as hedginginstruments under ASC 815) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.00 428.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.30 428.83 Td (269) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 428.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.30 428.85 Td (1,442) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 428.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 487.30 428.83 Td (989) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 428.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 428.85 Td (1,994) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.00 416.68 Td (Derivatives not designated as hedging instruments underASC 815:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 403.55 Td (Interest rate derivatives) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.00 402.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.30 402.83 Td (42,510) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 402.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 402.85 Td (36,399) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 402.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.30 402.83 Td (41,469) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 402.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 402.85 Td (34,927) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 390.55 Td (Interest rate lock commitments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 359.30 389.83 Td (7,401) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 389.85 Td (10,028) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 487.30 389.83 Td (171) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 389.85 Td (20) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 377.55 Td (Forward commitments to sell mortgage loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.30 376.83 Td (745) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.30 376.85 Td (23) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.30 376.83 Td (2,275) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.30 376.85 Td (4,239) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 364.55 Td (Foreign exchange contracts) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.30 363.83 Td (373) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.30 363.85 Td (72) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 487.30 363.83 Td (115) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 363.85 Td () Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.00 351.68 Td (Total derivatives not designated as hedginginstruments under ASC 815) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.00 350.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.30 350.83 Td (51,029) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 350.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 350.85 Td (46,522) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 350.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.30 350.83 Td (44,030) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 350.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 350.85 Td (39,186) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.00 338.68 Td (Total Derivatives) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.00 337.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.30 337.83 Td (51,298) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 337.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 337.85 Td (47,964) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.00 337.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.30 337.83 Td (45,019) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 337.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 337.85 Td (41,180) Tj ET Q BT /F1 10.00 Tf ET BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 313.10 Td (Cash Flow Hedges of Interest Rate Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 292.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.96 292.10 Td (Company) Tj ET Q q 0 0 0 rg BT 109.63 292.10 Td (s ) Tj ET Q q 0 0 0 rg BT 115.93 292.10 Td (objectives ) Tj ET Q q 0 0 0 rg BT 158.89 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 169.08 292.10 Td (using ) Tj ET Q q 0 0 0 rg BT 193.16 292.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 225.01 292.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 242.41 292.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 288.69 292.10 Td (are ) Tj ET Q q 0 0 0 rg BT 303.31 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.51 292.10 Td (add ) Tj ET Q q 0 0 0 rg BT 330.36 292.10 Td (stability ) Tj ET Q q 0 0 0 rg BT 364.99 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.19 292.10 Td (net ) Tj ET Q q 0 0 0 rg BT 389.82 292.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 421.66 292.10 Td (income ) Tj ET Q q 0 0 0 rg BT 453.51 292.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.36 292.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.55 292.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 514.06 292.10 Td (its ) Tj ET Q q 0 0 0 rg BT 525.92 292.10 Td (exposure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.05 280.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 91.75 280.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 109.00 280.10 Td (movements. ) Tj ET Q q 0 0 0 rg BT 159.71 280.10 Td (T) Tj ET Q q 0 0 0 rg BT 165.12 280.10 Td (o ) Tj ET Q q 0 0 0 rg BT 172.38 280.10 Td (accomplish ) Tj ET Q q 0 0 0 rg BT 220.19 280.10 Td (these ) Tj ET Q q 0 0 0 rg BT 243.01 280.10 Td (objectives, ) Tj ET Q q 0 0 0 rg BT 288.31 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.80 280.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 343.95 280.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 383.43 280.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 402.92 280.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 434.62 280.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 451.87 280.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 478.58 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.29 280.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 526.99 280.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 544.24 280.10 Td (caps ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.54 268.10 Td (part ) Tj ET Q q 0 0 0 rg BT 80.30 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.84 268.10 Td (its ) Tj ET Q q 0 0 0 rg BT 104.50 268.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 137.14 268.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 155.34 268.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 173.55 268.10 Td (management ) Tj ET Q q 0 0 0 rg BT 227.85 268.10 Td (strategy) Tj ET Q q 0 0 0 rg BT 258.85 268.10 Td (. ) Tj ET Q q 0 0 0 rg BT 264.56 268.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 297.76 268.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 315.95 268.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 343.61 268.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 389.58 268.10 Td (as ) Tj ET Q q 0 0 0 rg BT 401.12 268.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 422.10 268.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 443.64 268.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 474.62 268.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 507.83 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.25 268.10 Td (receipt ) Tj ET Q q 0 0 0 rg BT 553.67 268.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (variable-rate ) Tj ET Q q 0 0 0 rg BT 102.09 256.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 137.55 256.10 Td (from ) Tj ET Q q 0 0 0 rg BT 158.56 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 164.58 256.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 216.68 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.03 256.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 265.36 256.10 Td (for ) Tj ET Q q 0 0 0 rg BT 278.60 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.39 256.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 332.85 256.10 Td (making ) Tj ET Q q 0 0 0 rg BT 364.42 256.10 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 404.85 256.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 444.75 256.10 Td (over ) Tj ET Q q 0 0 0 rg BT 464.09 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.88 256.10 Td (life ) Tj ET Q q 0 0 0 rg BT 492.78 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.69 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.48 256.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (without ) Tj ET Q q 0 0 0 rg BT 83.02 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 97.71 244.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 137.93 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.73 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.42 244.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 209.21 244.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 244.45 244.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 279.41 244.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 311.87 244.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 329.32 244.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 349.56 244.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 394.79 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 405.59 244.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 425.83 244.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 446.62 244.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 476.86 244.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 509.32 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.01 244.10 Td (receipt ) Tj ET Q q 0 0 0 rg BT 553.68 244.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.83 232.10 Td (at ) Tj ET Q q 0 0 0 rg BT 100.54 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.26 232.10 Td (end ) Tj ET Q q 0 0 0 rg BT 132.20 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 143.03 232.10 Td (each ) Tj ET Q q 0 0 0 rg BT 163.84 232.10 Td (period ) Tj ET Q q 0 0 0 rg BT 191.89 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 202.17 232.10 Td (which ) Tj ET Q q 0 0 0 rg BT 229.11 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.82 232.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 275.76 232.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 293.24 232.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 331.84 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.11 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.83 232.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 391.53 232.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 425.68 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.40 232.10 Td (agreed ) Tj ET Q q 0 0 0 rg BT 469.54 232.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 492.04 232.10 Td (strike ) Tj ET Q q 0 0 0 rg BT 516.76 232.10 Td (price. ) Tj ET Q q 0 0 0 rg BT 541.74 232.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (During ) Tj ET Q q 0 0 0 rg BT 80.37 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.62 211.10 Td (first ) Tj ET Q q 0 0 0 rg BT 112.77 211.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 143.13 211.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.49 211.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 178.03 211.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.29 211.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 233.21 211.10 Td (designated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.02 211.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.02 211.10 Td ( ) Tj ET Q q 0 0 0 rg BT 295.05 211.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 328.76 211.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 360.23 211.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 377.25 211.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 393.17 211.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 439.08 211.10 Td (as ) Tj ET Q q 0 0 0 rg BT 449.45 211.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 469.26 211.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 489.62 211.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 519.43 211.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.80 211.10 Td (variable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 66.78 199.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 103.86 199.10 Td ( ) Tj ET Q q 0 0 0 rg BT 105.52 199.10 Td (The ) Tj ET Q q 0 0 0 rg BT 122.86 199.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 138.54 199.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 184.21 199.10 Td (had ) Tj ET Q q 0 0 0 rg BT 200.44 199.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 235.01 199.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 270.69 199.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.82 199.10 Td ($216.5 ) Tj ET Q q 0 0 0 rg BT 310.11 199.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.00 199.10 Td ( ) Tj ET Q q 0 0 0 rg BT 340.80 199.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.04 199.10 Td ($43.5 ) Tj ET Q q 0 0 0 rg BT 381.33 199.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.22 199.10 Td (, ) Tj ET Q q 0 0 0 rg BT 414.52 199.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 462.18 199.10 Td (, ) Tj ET Q q 0 0 0 rg BT 466.48 199.10 Td (both ) Tj ET Q q 0 0 0 rg BT 486.05 199.10 Td (maturing ) Tj ET Q q 0 0 0 rg BT 523.95 199.10 Td (in ) Tj ET Q q 0 0 0 rg BT 533.13 199.10 Td (August ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (2016. ) Tj ET Q q 0 0 0 rg BT 75.01 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 76.97 187.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 126.87 187.10 Td (, ) Tj ET Q q 0 0 0 rg BT 131.89 187.10 Td (as ) Tj ET Q q 0 0 0 rg BT 142.73 187.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.58 187.10 Td (December ) Tj ET Q q 0 0 0 rg BT 197.17 187.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 212.19 187.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 237.20 187.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.93 187.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 293.33 187.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.28 187.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.28 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 327.80 187.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 359.74 187.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 377.24 187.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 404.20 187.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.15 187.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.15 187.10 Td ( ) Tj ET Q q 0 0 0 rg BT 438.67 187.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 470.61 187.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 488.11 187.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 508.40 187.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 553.67 187.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 80.93 175.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.42 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.80 175.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 143.16 175.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 164.09 175.10 Td (outflows ) Tj ET Q q 0 0 0 rg BT 202.26 175.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 246.51 175.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.45 175.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 300.05 175.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 335.42 175.10 Td (on ) Tj ET Q q 0 0 0 rg BT 348.58 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.96 175.10 Td (Company) Tj ET Q q 0 0 0 rg BT 405.62 175.10 Td (s ) Tj ET Q q 0 0 0 rg BT 412.67 175.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 439.72 175.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 494.54 175.10 Td (debentures. ) Tj ET Q q 0 0 0 rg BT 543.52 175.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.45 175.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 163.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 87.37 163.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 118.84 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.75 163.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 164.54 163.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.90 163.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.70 163.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 206.16 163.10 Td (value ) Tj ET Q q 0 0 0 rg BT 230.40 163.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.31 163.10 Td (these ) Tj ET Q q 0 0 0 rg BT 264.44 163.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 284.79 163.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 305.70 163.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 336.05 163.10 Td (is ) Tj ET Q q 0 0 0 rg BT 345.30 163.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 382.86 163.10 Td (in ) Tj ET Q q 0 0 0 rg BT 393.22 163.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 446.33 163.10 Td (other ) Tj ET Q q 0 0 0 rg BT 469.46 163.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 532.57 163.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (and ) Tj ET Q q 0 0 0 rg BT 65.73 151.10 Td (is ) Tj ET Q q 0 0 0 rg BT 73.69 151.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 127.20 151.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 174.03 151.10 Td (to ) Tj ET Q q 0 0 0 rg BT 183.10 151.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 213.83 151.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 247.33 151.10 Td (as ) Tj ET Q q 0 0 0 rg BT 256.95 151.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 287.68 151.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 327.29 151.10 Td (are ) Tj ET Q q 0 0 0 rg BT 340.79 151.10 Td (made ) Tj ET Q q 0 0 0 rg BT 363.74 151.10 Td (on ) Tj ET Q q 0 0 0 rg BT 375.04 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.55 151.10 Td (Company) Tj ET Q q 0 0 0 rg BT 430.21 151.10 Td (s ) Tj ET Q q 0 0 0 rg BT 435.40 151.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 468.89 151.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 485.17 151.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 510.35 151.10 Td (subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (debentures. ) Tj ET Q q 0 0 0 rg BT 98.99 139.10 Td (The ) Tj ET Q q 0 0 0 rg BT 117.97 139.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 153.60 139.10 Td (in ) Tj ET Q q 0 0 0 rg BT 164.81 139.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 182.11 139.10 Td (value ) Tj ET Q q 0 0 0 rg BT 207.19 139.10 Td (\(net ) Tj ET Q q 0 0 0 rg BT 226.17 139.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.92 139.10 Td (tax\) ) Tj ET Q q 0 0 0 rg BT 256.90 139.10 Td (are ) Tj ET Q q 0 0 0 rg BT 272.53 139.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 316.49 139.10 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 357.13 139.10 Td (in ) Tj ET Q q 0 0 0 rg BT 368.34 139.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.98 139.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 440.18 139.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 487.49 139.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.25 139.10 Td (Comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 127.10 Td (Income. ) Tj ET Q q 0 0 0 rg BT 85.21 127.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.69 127.10 Td (inef) Tj ET Q q 0 0 0 rg BT 119.06 127.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 149.20 127.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 181.02 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 192.29 127.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.44 127.10 Td (change ) Tj ET Q q 0 0 0 rg BT 238.69 127.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.40 127.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 266.22 127.10 Td (value ) Tj ET Q q 0 0 0 rg BT 290.81 127.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.07 127.10 Td (these ) Tj ET Q q 0 0 0 rg BT 325.56 127.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 372.37 127.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.97 127.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 428.77 127.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 462.25 127.10 Td (in ) Tj ET Q q 0 0 0 rg BT 472.96 127.10 Td (earnings; ) Tj ET Q q 0 0 0 rg BT 512.55 127.10 Td (however) Tj ET Q q 0 0 0 rg BT 546.58 127.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.02 127.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 115.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 76.32 115.10 Td (inef) Tj ET Q q 0 0 0 rg BT 91.68 115.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 138.55 115.10 Td (was ) Tj ET Q q 0 0 0 rg BT 156.54 115.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 202.84 115.10 Td (during ) Tj ET Q q 0 0 0 rg BT 231.39 115.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.05 115.10 Td (years ) Tj ET Q q 0 0 0 rg BT 269.59 115.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 295.91 115.10 Td (December ) Tj ET Q q 0 0 0 rg BT 339.43 115.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 354.37 115.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 376.81 115.10 Td (or ) Tj ET Q q 0 0 0 rg BT 387.58 115.10 Td (December ) Tj ET Q q 0 0 0 rg BT 431.11 115.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 446.05 115.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 470.81 115.10 Td (The ) Tj ET Q q 0 0 0 rg BT 488.80 115.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 530.12 115.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 549.79 115.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 103.10 Td (hypothetical ) Tj ET Q q 0 0 0 rg BT 101.93 103.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 144.41 103.10 Td (method ) Tj ET Q q 0 0 0 rg BT 176.90 103.10 Td (to ) Tj ET Q q 0 0 0 rg BT 187.18 103.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 214.13 103.10 Td (and ) Tj ET Q q 0 0 0 rg BT 231.06 103.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 266.88 103.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 293.26 103.10 Td (ef) Tj ET Q q 0 0 0 rg BT 300.84 103.10 Td (fectiveness.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 71.30 Td () Tj ET Q endstream endobj 301 0 obj <> endobj 302 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (150) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The table below provides details on each of these cash flow hedges as of December 31, 2015:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 697.60 344.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 697.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 697.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 697.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 697.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 670.60 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 670.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 670.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 670.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 670.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 643.60 344.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 643.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 643.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 643.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 643.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 616.60 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 616.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 616.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 616.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 616.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 588.60 344.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 588.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 588.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 588.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 588.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 561.60 344.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 561.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 561.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 561.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 561.60 80.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 731.6 m 394.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 717.6 m 394.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 731.6 m 398.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 717.6 m 398.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 731.6 m 478.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 717.6 m 478.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 731.6 m 482.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 717.6 m 482.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 731.6 m 562.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 717.6 m 562.5 717.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 697.6 m 394.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 697.6 m 398.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 697.6 m 478.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 697.6 m 482.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 697.6 m 562.5 697.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 656.6 m 478.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 656.6 m 482.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 656.6 m 562.5 656.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 643.6 m 478.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 643.6 m 482.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 643.6 m 562.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 574.6 m 478.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 574.6 m 482.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 574.6 m 562.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 574.6 m 478.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 561.6 m 478.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 561.6 m 482.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 574.6 m 562.5 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 561.6 m 562.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 561.6 m 478.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 398.5 548.6 m 478.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478.5 548.6 m 482.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 561.6 m 562.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 548.6 m 562.5 548.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 722.17 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 447.75 721.83 Td (December 31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 701.83 Td (Maturity Date) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.30 709.68 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 423.95 701.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.15 709.68 Td (Fair) Tj ET Q q 0 0 0 rg BT 518.67 709.68 Td () Tj ET Q q 0 0 0 rg BT 520.52 709.68 Td (V) Tj ET Q q 0 0 0 rg BT 525.56 709.68 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 494.55 701.68 Td (Asset\(Liability\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 688.33 Td (Interest Rate Swaps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 675.17 Td (September 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.00 675.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 675.28 Td (50,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.00 675.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 675.33 Td (\(548) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 675.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 661.17 Td (October 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 661.28 Td (25,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 661.33 Td (\(298) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 661.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 647.17 Td ( Total Interest Rate Swaps) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.00 647.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 647.33 Td (75,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.00 647.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 647.38 Td (\(846) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 647.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 634.33 Td (Interest Rate Caps:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 621.17 Td (August 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.00 621.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 621.28 Td (43,500) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.00 621.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 621.28 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 607.17 Td (August 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 607.28 Td (216,500) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 553.65 607.28 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 593.17 Td (September 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 593.28 Td (50,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 593.28 Td (128) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 579.17 Td (September 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.15 579.28 Td (40,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 579.28 Td (110) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 565.17 Td ( Total Interest Rate Caps) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.00 565.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 565.33 Td (350,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.00 565.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 543.65 565.33 Td (242) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 552.33 Td ( Total Cash Flow Hedges) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.00 552.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.15 552.33 Td (425,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.00 552.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 540.30 552.38 Td (\(604) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 558.65 552.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 528.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 528.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.89 528.10 Td (rollforward ) Tj ET Q q 0 0 0 rg BT 106.65 528.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.19 528.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.63 528.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 167.74 528.10 Td (in ) Tj ET Q q 0 0 0 rg BT 177.73 528.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 230.48 528.10 Td (other ) Tj ET Q q 0 0 0 rg BT 253.25 528.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 316.00 528.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 333.78 528.10 Td (related ) Tj ET Q q 0 0 0 rg BT 363.20 528.10 Td (to ) Tj ET Q q 0 0 0 rg BT 373.20 528.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 404.85 528.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 422.06 528.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 468.15 528.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 513.13 528.10 Td (as ) Tj ET Q q 0 0 0 rg BT 523.68 528.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 543.67 528.10 Td (flow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 516.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 80.27 516.10 Td (follows:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 505.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 470.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 470.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 470.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 470.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 470.80 79.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 432.80 347.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 397.50 432.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 432.80 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 432.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.50 432.80 79.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 494.8 m 397.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 494.8 m 401.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 494.8 m 479.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 482.8 m 479.5 482.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 494.8 m 483.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 482.8 m 483.5 482.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 494.8 m 562.5 494.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 482.8 m 562.5 482.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 470.8 m 397.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 397.5 470.8 m 401.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 470.8 m 479.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 470.8 m 483.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 470.8 m 562.5 470.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 418.8 m 483.5 418.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 418.8 m 479.5 418.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 401.5 404.8 m 479.5 404.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 404.8 m 483.5 404.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 418.8 m 562.5 418.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 404.8 m 562.5 404.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 486.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.25 486.88 Td (December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 474.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 431.00 474.20 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 513.50 474.06 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 461.37 Td (Unrealized loss at beginning of period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 461.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.80 461.53 Td (\(4,062) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 461.48 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 461.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 461.42 Td (\(3,971) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 461.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 447.37 Td (Amount reclassified from accumulated other comprehensive income to interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 437.37 Td (expense on deposits and junior subordinated debentures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 453.15 437.48 Td (2,082) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 437.47 Td (1,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 423.37 Td (Amount of loss recognized in other comprehensive income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.80 423.53 Td (\(1,549) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 423.48 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 423.42 Td (\(2,065) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 423.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 409.37 Td (Unrealized loss at end of period) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 404.00 409.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.80 409.53 Td (\(3,529) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 475.65 409.48 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.00 409.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 409.42 Td (\(4,062) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 409.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 384.30 Td (As ) Tj ET Q q 0 0 0 rg BT 64.46 384.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.13 384.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 135.55 384.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.55 384.30 Td (, ) Tj ET Q q 0 0 0 rg BT 161.40 384.30 Td (the ) Tj ET Q q 0 0 0 rg BT 176.96 384.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 219.18 384.30 Td (estimates ) Tj ET Q q 0 0 0 rg BT 259.74 384.30 Td (that ) Tj ET Q q 0 0 0 rg BT 278.08 384.30 Td (during ) Tj ET Q q 0 0 0 rg BT 307.53 384.30 Td (the ) Tj ET Q q 0 0 0 rg BT 323.09 384.30 Td (next ) Tj ET Q q 0 0 0 rg BT 343.65 384.30 Td (twelve ) Tj ET Q q 0 0 0 rg BT 373.64 384.30 Td (months, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.93 384.30 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 429.78 384.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.67 384.30 Td ( ) Tj ET Q q 0 0 0 rg BT 462.01 384.30 Td (will ) Tj ET Q q 0 0 0 rg BT 480.91 384.30 Td (be ) Tj ET Q q 0 0 0 rg BT 493.69 384.30 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 542.56 384.30 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.30 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 103.03 372.30 Td (other ) Tj ET Q q 0 0 0 rg BT 126.07 372.30 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 189.11 372.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 207.17 372.30 Td (as ) Tj ET Q q 0 0 0 rg BT 218.00 372.30 Td (an ) Tj ET Q q 0 0 0 rg BT 229.94 372.30 Td (increase ) Tj ET Q q 0 0 0 rg BT 265.19 372.30 Td (to ) Tj ET Q q 0 0 0 rg BT 275.47 372.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 307.40 372.30 Td (expense.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 346.30 Td (Fair V) Tj ET Q q 0 0 0 rg BT 76.40 346.30 Td (alue Hedges of Interest Rate Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 329.30 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.82 329.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 100.63 329.30 Td (swaps ) Tj ET Q q 0 0 0 rg BT 127.91 329.30 Td (designated ) Tj ET Q q 0 0 0 rg BT 173.51 329.30 Td (as ) Tj ET Q q 0 0 0 rg BT 184.67 329.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 201.38 329.30 Td (value ) Tj ET Q q 0 0 0 rg BT 225.86 329.30 Td (hedges ) Tj ET Q q 0 0 0 rg BT 256.46 329.30 Td (involve ) Tj ET Q q 0 0 0 rg BT 289.29 329.30 Td (the ) Tj ET Q q 0 0 0 rg BT 304.34 329.30 Td (payment ) Tj ET Q q 0 0 0 rg BT 341.61 329.30 Td (of ) Tj ET Q q 0 0 0 rg BT 352.77 329.30 Td (fixed ) Tj ET Q q 0 0 0 rg BT 376.15 329.30 Td (amounts ) Tj ET Q q 0 0 0 rg BT 412.87 329.30 Td (to ) Tj ET Q q 0 0 0 rg BT 423.48 329.30 Td (a ) Tj ET Q q 0 0 0 rg BT 430.75 329.30 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 484.11 329.30 Td (in ) Tj ET Q q 0 0 0 rg BT 494.72 329.30 Td (exchange ) Tj ET Q q 0 0 0 rg BT 535.31 329.30 Td (for ) Tj ET Q q 0 0 0 rg BT 549.80 329.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.61 317.30 Td (receiving ) Tj ET Q q 0 0 0 rg BT 131.54 317.30 Td (variable ) Tj ET Q q 0 0 0 rg BT 166.47 317.30 Td (payments ) Tj ET Q q 0 0 0 rg BT 207.52 317.30 Td (over ) Tj ET Q q 0 0 0 rg BT 228.02 317.30 Td (the ) Tj ET Q q 0 0 0 rg BT 242.96 317.30 Td (life ) Tj ET Q q 0 0 0 rg BT 259.01 317.30 Td (of ) Tj ET Q q 0 0 0 rg BT 270.07 317.30 Td (the ) Tj ET Q q 0 0 0 rg BT 285.01 317.30 Td (agreements ) Tj ET Q q 0 0 0 rg BT 333.27 317.30 Td (without ) Tj ET Q q 0 0 0 rg BT 366.55 317.30 Td (the ) Tj ET Q q 0 0 0 rg BT 381.49 317.30 Td (exchange ) Tj ET Q q 0 0 0 rg BT 421.97 317.30 Td (of ) Tj ET Q q 0 0 0 rg BT 433.03 317.30 Td (the ) Tj ET Q q 0 0 0 rg BT 447.97 317.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 494.02 317.30 Td (notional ) Tj ET Q q 0 0 0 rg BT 529.52 317.30 Td (amount. ) Tj ET Q q 0 0 0 rg BT 564.52 317.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.30 Td (As ) Tj ET Q q 0 0 0 rg BT 63.19 305.30 Td (of ) Tj ET Q q 0 0 0 rg BT 73.59 305.30 Td (December ) Tj ET Q q 0 0 0 rg BT 116.75 305.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 131.32 305.30 Td (2015, ) Tj ET Q q 0 0 0 rg BT 155.89 305.30 Td (the ) Tj ET Q q 0 0 0 rg BT 170.18 305.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 211.14 305.30 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.54 305.30 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.20 305.30 Td ( ) Tj ET Q q 0 0 0 rg BT 245.28 305.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 276.78 305.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 293.84 305.30 Td (swaps ) Tj ET Q q 0 0 0 rg BT 320.36 305.30 Td (with ) Tj ET Q q 0 0 0 rg BT 340.21 305.30 Td (an ) Tj ET Q q 0 0 0 rg BT 351.72 305.30 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 392.65 305.30 Td (notional ) Tj ET Q q 0 0 0 rg BT 427.50 305.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 459.57 305.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.97 305.30 Td ($16.4 ) Tj ET Q q 0 0 0 rg BT 494.54 305.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.44 305.30 Td ( ) Tj ET Q q 0 0 0 rg BT 525.51 305.30 Td (that ) Tj ET Q q 0 0 0 rg BT 542.58 305.30 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.30 Td (designated ) Tj ET Q q 0 0 0 rg BT 95.26 293.30 Td (as ) Tj ET Q q 0 0 0 rg BT 106.09 293.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 122.47 293.30 Td (value ) Tj ET Q q 0 0 0 rg BT 146.63 293.30 Td (hedges ) Tj ET Q q 0 0 0 rg BT 176.89 293.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 220.49 293.30 Td (with ) Tj ET Q q 0 0 0 rg BT 240.77 293.30 Td (fixed ) Tj ET Q q 0 0 0 rg BT 263.81 293.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 281.30 293.30 Td (commercial ) Tj ET Q q 0 0 0 rg BT 331.00 293.30 Td (franchise ) Tj ET Q q 0 0 0 rg BT 370.14 293.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 396.25 293.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 276.30 Td (For ) Tj ET Q q 0 0 0 rg BT 66.32 276.30 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 112.63 276.30 Td (designated ) Tj ET Q q 0 0 0 rg BT 157.82 276.30 Td (and ) Tj ET Q q 0 0 0 rg BT 174.69 276.30 Td (that ) Tj ET Q q 0 0 0 rg BT 192.12 276.30 Td (qualify ) Tj ET Q q 0 0 0 rg BT 222.88 276.30 Td (as ) Tj ET Q q 0 0 0 rg BT 233.64 276.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 249.95 276.30 Td (value ) Tj ET Q q 0 0 0 rg BT 274.03 276.30 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 306.73 276.30 Td (the ) Tj ET Q q 0 0 0 rg BT 321.38 276.30 Td (gain ) Tj ET Q q 0 0 0 rg BT 341.03 276.30 Td (or ) Tj ET Q q 0 0 0 rg BT 351.79 276.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 369.79 276.30 Td (on ) Tj ET Q q 0 0 0 rg BT 382.22 276.30 Td (the ) Tj ET Q q 0 0 0 rg BT 396.87 276.30 Td (derivative ) Tj ET Q q 0 0 0 rg BT 439.28 276.30 Td (as ) Tj ET Q q 0 0 0 rg BT 450.04 276.30 Td (well ) Tj ET Q q 0 0 0 rg BT 469.69 276.30 Td (as ) Tj ET Q q 0 0 0 rg BT 480.45 276.30 Td (the ) Tj ET Q q 0 0 0 rg BT 495.10 276.30 Td (of) Tj ET Q q 0 0 0 rg BT 503.25 276.30 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 535.67 276.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 553.67 276.30 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 264.30 Td (gain ) Tj ET Q q 0 0 0 rg BT 69.63 264.30 Td (on ) Tj ET Q q 0 0 0 rg BT 82.05 264.30 Td (the ) Tj ET Q q 0 0 0 rg BT 96.68 264.30 Td (hedged ) Tj ET Q q 0 0 0 rg BT 127.98 264.30 Td (item ) Tj ET Q q 0 0 0 rg BT 148.17 264.30 Td (attributable ) Tj ET Q q 0 0 0 rg BT 196.12 264.30 Td (to ) Tj ET Q q 0 0 0 rg BT 206.32 264.30 Td (the ) Tj ET Q q 0 0 0 rg BT 220.95 264.30 Td (hedged ) Tj ET Q q 0 0 0 rg BT 252.25 264.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 269.66 264.30 Td (are ) Tj ET Q q 0 0 0 rg BT 284.29 264.30 Td (recognized ) Tj ET Q q 0 0 0 rg BT 330.57 264.30 Td (in ) Tj ET Q q 0 0 0 rg BT 340.76 264.30 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 379.38 264.30 Td (The ) Tj ET Q q 0 0 0 rg BT 397.34 264.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 438.65 264.30 Td (includes ) Tj ET Q q 0 0 0 rg BT 474.39 264.30 Td (the ) Tj ET Q q 0 0 0 rg BT 489.02 264.30 Td (gain ) Tj ET Q q 0 0 0 rg BT 508.66 264.30 Td (or ) Tj ET Q q 0 0 0 rg BT 519.41 264.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 537.38 264.30 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 264.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 252.30 Td (hedged ) Tj ET Q q 0 0 0 rg BT 81.28 252.30 Td (item ) Tj ET Q q 0 0 0 rg BT 101.46 252.30 Td (in ) Tj ET Q q 0 0 0 rg BT 111.65 252.30 Td (the ) Tj ET Q q 0 0 0 rg BT 126.27 252.30 Td (same ) Tj ET Q q 0 0 0 rg BT 149.23 252.30 Td (line ) Tj ET Q q 0 0 0 rg BT 166.63 252.30 Td (item ) Tj ET Q q 0 0 0 rg BT 186.81 252.30 Td (as ) Tj ET Q q 0 0 0 rg BT 197.55 252.30 Td (the ) Tj ET Q q 0 0 0 rg BT 212.17 252.30 Td (of) Tj ET Q q 0 0 0 rg BT 220.32 252.30 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 252.72 252.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 270.69 252.30 Td (or ) Tj ET Q q 0 0 0 rg BT 281.43 252.30 Td (gain ) Tj ET Q q 0 0 0 rg BT 301.05 252.30 Td (on ) Tj ET Q q 0 0 0 rg BT 313.46 252.30 Td (the ) Tj ET Q q 0 0 0 rg BT 328.09 252.30 Td (related ) Tj ET Q q 0 0 0 rg BT 357.70 252.30 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 406.47 252.30 Td ( ) Tj ET Q q 0 0 0 rg BT 408.71 252.30 Td (The ) Tj ET Q q 0 0 0 rg BT 426.66 252.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 467.96 252.30 Td (recognized ) Tj ET Q q 0 0 0 rg BT 514.23 252.30 Td (a ) Tj ET Q q 0 0 0 rg BT 521.07 252.30 Td (net ) Tj ET Q q 0 0 0 rg BT 535.70 252.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 553.66 252.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 240.30 Td ($16,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.50 240.30 Td ( ) Tj ET Q q 0 0 0 rg BT 85.00 240.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.94 240.30 Td ($5,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.44 240.30 Td ( ) Tj ET Q q 0 0 0 rg BT 131.94 240.30 Td (in ) Tj ET Q q 0 0 0 rg BT 142.22 240.30 Td (other ) Tj ET Q q 0 0 0 rg BT 165.26 240.30 Td (income ) Tj ET Q q 0 0 0 rg BT 197.20 240.30 Td (related ) Tj ET Q q 0 0 0 rg BT 226.90 240.30 Td (to ) Tj ET Q q 0 0 0 rg BT 237.18 240.30 Td (hedge ) Tj ET Q q 0 0 0 rg BT 263.55 240.30 Td (inef) Tj ET Q q 0 0 0 rg BT 278.92 240.30 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 325.84 240.30 Td (for ) Tj ET Q q 0 0 0 rg BT 340.00 240.30 Td (the ) Tj ET Q q 0 0 0 rg BT 354.72 240.30 Td (years ) Tj ET Q q 0 0 0 rg BT 378.32 240.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 404.70 240.30 Td (2015 ) Tj ET Q q 0 0 0 rg BT 427.20 240.30 Td (and ) Tj ET Q q 0 0 0 rg BT 444.14 240.30 Td (2014, ) Tj ET Q q 0 0 0 rg BT 469.14 240.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 516.80 240.30 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 223.30 Td (On ) Tj ET Q q 0 0 0 rg BT 64.14 223.30 Td (June ) Tj ET Q q 0 0 0 rg BT 84.38 223.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 93.79 223.30 Td (2013, ) Tj ET Q q 0 0 0 rg BT 118.21 223.30 Td (the ) Tj ET Q q 0 0 0 rg BT 132.34 223.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.14 223.30 Td (de-designated ) Tj ET Q q 0 0 0 rg BT 230.59 223.30 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.94 223.30 Td ($96.5 ) Tj ET Q q 0 0 0 rg BT 261.35 223.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.24 223.30 Td ( ) Tj ET Q q 0 0 0 rg BT 292.16 223.30 Td (cap ) Tj ET Q q 0 0 0 rg BT 307.95 223.30 Td (which ) Tj ET Q q 0 0 0 rg BT 334.30 223.30 Td (was ) Tj ET Q q 0 0 0 rg BT 351.77 223.30 Td (previously ) Tj ET Q q 0 0 0 rg BT 395.90 223.30 Td (designated ) Tj ET Q q 0 0 0 rg BT 440.58 223.30 Td (as ) Tj ET Q q 0 0 0 rg BT 450.82 223.30 Td (a ) Tj ET Q q 0 0 0 rg BT 457.17 223.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 472.96 223.30 Td (value ) Tj ET Q q 0 0 0 rg BT 496.53 223.30 Td (hedge ) Tj ET Q q 0 0 0 rg BT 522.32 223.30 Td (of ) Tj ET Q q 0 0 0 rg BT 532.57 223.30 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.56 211.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 85.14 211.30 Td (associated ) Tj ET Q q 0 0 0 rg BT 128.81 211.30 Td (with ) Tj ET Q q 0 0 0 rg BT 149.16 211.30 Td (an ) Tj ET Q q 0 0 0 rg BT 161.17 211.30 Td (embedded ) Tj ET Q q 0 0 0 rg BT 204.84 211.30 Td (cap ) Tj ET Q q 0 0 0 rg BT 221.30 211.30 Td (in ) Tj ET Q q 0 0 0 rg BT 231.65 211.30 Td (one ) Tj ET Q q 0 0 0 rg BT 248.66 211.30 Td (of ) Tj ET Q q 0 0 0 rg BT 259.57 211.30 Td (the ) Tj ET Q q 0 0 0 rg BT 274.36 211.30 Td (Company) Tj ET Q q 0 0 0 rg BT 316.03 211.30 Td (s ) Tj ET Q q 0 0 0 rg BT 322.50 211.30 Td (floating ) Tj ET Q q 0 0 0 rg BT 356.17 211.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 373.74 211.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 399.73 211.30 Td (The ) Tj ET Q q 0 0 0 rg BT 417.86 211.30 Td (hedged ) Tj ET Q q 0 0 0 rg BT 449.31 211.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 469.10 211.30 Td (was ) Tj ET Q q 0 0 0 rg BT 487.23 211.30 Td (restructured ) Tj ET Q q 0 0 0 rg BT 537.56 211.30 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.30 Td (resulted ) Tj ET Q q 0 0 0 rg BT 84.37 199.30 Td (in ) Tj ET Q q 0 0 0 rg BT 94.86 199.30 Td (the ) Tj ET Q q 0 0 0 rg BT 109.79 199.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 141.94 199.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 159.64 199.30 Td (cap ) Tj ET Q q 0 0 0 rg BT 176.24 199.30 Td (no ) Tj ET Q q 0 0 0 rg BT 188.95 199.30 Td (longer ) Tj ET Q q 0 0 0 rg BT 217.21 199.30 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 261.03 199.30 Td (as ) Tj ET Q q 0 0 0 rg BT 272.08 199.30 Td (an ) Tj ET Q q 0 0 0 rg BT 284.23 199.30 Td (ef) Tj ET Q q 0 0 0 rg BT 291.82 199.30 Td (fective ) Tj ET Q q 0 0 0 rg BT 321.73 199.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 338.33 199.30 Td (value ) Tj ET Q q 0 0 0 rg BT 362.70 199.30 Td (hedge. ) Tj ET Q q 0 0 0 rg BT 391.79 199.30 Td ( ) Tj ET Q q 0 0 0 rg BT 393.90 199.30 Td (As ) Tj ET Q q 0 0 0 rg BT 407.73 199.30 Td (such, ) Tj ET Q q 0 0 0 rg BT 431.28 199.30 Td (the ) Tj ET Q q 0 0 0 rg BT 446.21 199.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 478.36 199.30 Td (rate ) Tj ET Q q 0 0 0 rg BT 496.06 199.30 Td (cap ) Tj ET Q q 0 0 0 rg BT 512.65 199.30 Td (derivative ) Tj ET Q q 0 0 0 rg BT 555.34 199.30 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.30 Td (no ) Tj ET Q q 0 0 0 rg BT 62.92 187.30 Td (longer ) Tj ET Q q 0 0 0 rg BT 91.38 187.30 Td (accounted ) Tj ET Q q 0 0 0 rg BT 134.82 187.30 Td (for ) Tj ET Q q 0 0 0 rg BT 149.40 187.30 Td (under ) Tj ET Q q 0 0 0 rg BT 175.08 187.30 Td (hedge ) Tj ET Q q 0 0 0 rg BT 201.88 187.30 Td (accounting ) Tj ET Q q 0 0 0 rg BT 248.66 187.30 Td (and ) Tj ET Q q 0 0 0 rg BT 266.02 187.30 Td (all ) Tj ET Q q 0 0 0 rg BT 278.93 187.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 314.05 187.30 Td (in ) Tj ET Q q 0 0 0 rg BT 324.74 187.30 Td (value ) Tj ET Q q 0 0 0 rg BT 349.31 187.30 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 396.67 187.30 Td (to ) Tj ET Q q 0 0 0 rg BT 407.36 187.30 Td (June ) Tj ET Q q 0 0 0 rg BT 428.60 187.30 Td (1, ) Tj ET Q q 0 0 0 rg BT 439.02 187.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 461.93 187.30 Td (are ) Tj ET Q q 0 0 0 rg BT 477.06 187.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 514.95 187.30 Td (in ) Tj ET Q q 0 0 0 rg BT 525.64 187.30 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 564.52 187.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.30 Td (Additionally) Tj ET Q q 0 0 0 rg BT 99.90 175.30 Td (, ) Tj ET Q q 0 0 0 rg BT 104.93 175.30 Td (the ) Tj ET Q q 0 0 0 rg BT 119.68 175.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 161.10 175.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 198.60 175.30 Td (amortization ) Tj ET Q q 0 0 0 rg BT 251.67 175.30 Td (of ) Tj ET Q q 0 0 0 rg BT 262.53 175.30 Td (the ) Tj ET Q q 0 0 0 rg BT 277.28 175.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 299.81 175.30 Td (in ) Tj ET Q q 0 0 0 rg BT 310.12 175.30 Td (the ) Tj ET Q q 0 0 0 rg BT 324.87 175.30 Td (previously ) Tj ET Q q 0 0 0 rg BT 369.62 175.30 Td (hedged ) Tj ET Q q 0 0 0 rg BT 401.02 175.30 Td (item ) Tj ET Q q 0 0 0 rg BT 421.33 175.30 Td (as ) Tj ET Q q 0 0 0 rg BT 432.19 175.30 Td (a ) Tj ET Q q 0 0 0 rg BT 439.16 175.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 479.45 175.30 Td (to ) Tj ET Q q 0 0 0 rg BT 489.76 175.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 521.73 175.30 Td (income ) Tj ET Q q 0 0 0 rg BT 553.69 175.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.30 Td ($172,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.50 163.30 Td ( ) Tj ET Q q 0 0 0 rg BT 90.00 163.30 Td (for ) Tj ET Q q 0 0 0 rg BT 104.16 163.30 Td (both ) Tj ET Q q 0 0 0 rg BT 124.44 163.30 Td (of ) Tj ET Q q 0 0 0 rg BT 135.27 163.30 Td (the ) Tj ET Q q 0 0 0 rg BT 149.99 163.30 Td (years ) Tj ET Q q 0 0 0 rg BT 173.58 163.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 199.96 163.30 Td (2015 ) Tj ET Q q 0 0 0 rg BT 222.46 163.30 Td (and ) Tj ET Q q 0 0 0 rg BT 239.40 163.30 Td (2014, ) Tj ET Q q 0 0 0 rg BT 264.40 163.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 312.06 163.30 Td (.) Tj ET Q endstream endobj 303 0 obj <> endobj 304 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (151) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.40 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.13 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 129.42 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 164.03 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.10 742.10 Td (gain/\(loss\) ) Tj ET Q q 0 0 0 rg BT 222.17 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.46 742.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 264.18 742.10 Td (inef) Tj ET Q q 0 0 0 rg BT 279.55 742.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 325.82 742.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 371.53 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 383.38 742.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 425.21 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 473.73 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.02 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.08 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 533.13 742.10 Td (hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (items ) Tj ET Q q 0 0 0 rg BT 74.17 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 91.66 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 106.37 730.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 151.63 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 162.46 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 169.40 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 185.78 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 209.93 730.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 236.31 730.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 282.68 730.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 332.39 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 343.22 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.05 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 412.64 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.64 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 435.14 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.08 730.10 Td (2014:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 652.60 112.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 161.50 652.60 94.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 255.50 652.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 652.60 47.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 652.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 652.60 45.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 652.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 652.60 47.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 652.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 652.60 45.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 455.50 652.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 652.60 49.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 652.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 652.60 49.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 710.6 m 161.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 710.6 m 255.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 710.6 m 259.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 710.6 m 306.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 710.6 m 310.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 710.6 m 355.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 710.6 m 359.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 710.6 m 406.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 710.6 m 410.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 710.6 m 455.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 710.6 m 459.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 710.6 m 508.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 710.6 m 512.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 710.6 m 561.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 652.6 m 161.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 652.6 m 255.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 652.6 m 259.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 652.6 m 306.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 652.6 m 310.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 652.6 m 355.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 652.6 m 359.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 652.6 m 406.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 652.6 m 410.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 652.6 m 455.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 652.6 m 459.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 652.6 m 508.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 652.6 m 512.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 652.6 m 561.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 652.6 m 161.5 652.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 627.6 m 161.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 161.5 627.6 m 255.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 255.5 627.6 m 259.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 627.6 m 306.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 627.6 m 310.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 627.6 m 355.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 627.6 m 359.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 627.6 m 406.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 627.6 m 410.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 627.6 m 455.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 455.5 627.6 m 459.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 459.5 627.6 m 508.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 627.6 m 512.5 627.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 627.6 m 561.5 627.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 702.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 664.55 Td (Derivatives in Fair ) Tj ET Q q 0 0 0 rg BT 113.84 664.55 Td (V) Tj ET Q q 0 0 0 rg BT 118.73 664.55 Td (alue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 656.55 Td (Hedging Relationships) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.10 672.85 Td (LocationofGainor\(Loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 167.00 664.85 Td (Recognized in Income on) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.10 656.85 Td (Derivative) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 265.20 693.70 Td (AmountofGainor\(Loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 288.10 685.70 Td (Recognized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 268.00 677.70 Td (in Income on Derivative) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 262.70 669.83 Td (Y) Tj ET Q q 0 0 0 rg BT 267.59 669.83 Td (ear) Tj ET Q q 0 0 0 rg BT 278.55 669.83 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 339.28 669.83 Td ( 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.20 693.70 Td (AmountofGainor\(Loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.10 685.70 Td (Recognized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 364.10 677.70 Td (in Income on Hedged Item) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.70 669.83 Td (Y) Tj ET Q q 0 0 0 rg BT 367.59 669.83 Td (ear) Tj ET Q q 0 0 0 rg BT 378.55 669.83 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 439.28 669.83 Td ( 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.10 693.70 Td (IncomeStatementGain/) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.45 685.70 Td (\(Loss\)dueto Hedge) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.85 677.70 Td (Inef) Tj ET Q q 0 0 0 rg BT 498.58 677.70 Td (fectiveness) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 465.70 669.83 Td (Y) Tj ET Q q 0 0 0 rg BT 470.59 669.83 Td (ear) Tj ET Q q 0 0 0 rg BT 481.55 669.83 Td ( Ended December) Tj ET Q q 0 0 0 rg BT 542.28 669.83 Td ( 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.50 657.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 656.86 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.50 657.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.50 656.86 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 474.50 657.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.50 656.86 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 643.17 Td (Interest rate swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 642.27 Td (Trading \(losses\)/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.00 632.27 Td (gains, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 262.00 632.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.30 632.28 Td (\(168) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.65 632.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.30 632.32 Td (\(53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 632.27 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 362.00 632.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 387.65 632.28 Td (152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 632.27 Td (48) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.00 632.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 491.30 632.33 Td (\(16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 504.65 632.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 549.30 632.32 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 632.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 607.10 Td (Non-Designated Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 590.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.61 590.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.57 590.10 Td (does ) Tj ET Q q 0 0 0 rg BT 131.97 590.10 Td (not ) Tj ET Q q 0 0 0 rg BT 147.81 590.10 Td (use ) Tj ET Q q 0 0 0 rg BT 164.21 590.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 211.15 590.10 Td (for ) Tj ET Q q 0 0 0 rg BT 225.88 590.10 Td (speculative ) Tj ET Q q 0 0 0 rg BT 273.93 590.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 315.05 590.10 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 364.21 590.10 Td (not ) Tj ET Q q 0 0 0 rg BT 380.06 590.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 425.89 590.10 Td (as ) Tj ET Q q 0 0 0 rg BT 437.28 590.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 468.12 590.10 Td (are ) Tj ET Q q 0 0 0 rg BT 483.40 590.10 Td (used ) Tj ET Q q 0 0 0 rg BT 504.79 590.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.64 590.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 549.80 590.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 578.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 578.10 Td (s ) Tj ET Q q 0 0 0 rg BT 97.37 578.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 135.29 578.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.88 578.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 176.13 578.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 192.93 578.10 Td (movements ) Tj ET Q q 0 0 0 rg BT 240.85 578.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.11 578.10 Td (other ) Tj ET Q q 0 0 0 rg BT 279.47 578.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 319.61 578.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 340.32 578.10 Td (but ) Tj ET Q q 0 0 0 rg BT 354.91 578.10 Td (do ) Tj ET Q q 0 0 0 rg BT 366.73 578.10 Td (not ) Tj ET Q q 0 0 0 rg BT 381.32 578.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 402.57 578.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.61 578.10 Td (strict ) Tj ET Q q 0 0 0 rg BT 438.42 578.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 464.11 578.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 509.80 578.10 Td (requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 566.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.28 566.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 82.23 566.10 Td (815. ) Tj ET Q q 0 0 0 rg BT 102.23 566.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 139.17 566.10 Td (in ) Tj ET Q q 0 0 0 rg BT 149.45 566.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.17 566.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 180.54 566.10 Td (value ) Tj ET Q q 0 0 0 rg BT 204.70 566.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.53 566.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 261.90 566.10 Td (not ) Tj ET Q q 0 0 0 rg BT 277.18 566.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 322.44 566.10 Td (in ) Tj ET Q q 0 0 0 rg BT 332.72 566.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 367.44 566.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 421.04 566.10 Td (are ) Tj ET Q q 0 0 0 rg BT 435.75 566.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 473.22 566.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 506.26 566.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.54 566.10 Td (earnings.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 545.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 69.07 545.10 Td (est ) Tj ET Q q 0 0 0 rg BT 83.56 545.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 105.28 545.10 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.37 545.10 Td (The ) Tj ET Q q 0 0 0 rg BT 180.31 545.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 222.58 545.10 Td (has ) Tj ET Q q 0 0 0 rg BT 239.30 545.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 272.12 545.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 290.50 545.10 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 340.26 545.10 Td (including ) Tj ET Q q 0 0 0 rg BT 381.42 545.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 409.25 545.10 Td (and ) Tj ET Q q 0 0 0 rg BT 427.08 545.10 Td (option ) Tj ET Q q 0 0 0 rg BT 456.03 545.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 496.35 545.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 534.74 545.10 Td (from ) Tj ET Q q 0 0 0 rg BT 557.56 545.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 533.10 Td (service ) Tj ET Q q 0 0 0 rg BT 81.64 533.10 Td (the ) Tj ET Q q 0 0 0 rg BT 97.19 533.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 139.40 533.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 177.16 533.10 Td (to ) Tj ET Q q 0 0 0 rg BT 188.27 533.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 218.80 533.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 257.67 533.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 303.79 533.10 Td (The ) Tj ET Q q 0 0 0 rg BT 322.67 533.10 Td (Company) Tj ET Q q 0 0 0 rg BT 364.33 533.10 Td (s ) Tj ET Q q 0 0 0 rg BT 371.55 533.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 407.09 533.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 457.64 533.10 Td (execute ) Tj ET Q q 0 0 0 rg BT 491.50 533.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 522.03 533.10 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 521.10 Td (products ) Tj ET Q q 0 0 0 rg BT 86.29 521.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 126.46 521.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 157.74 521.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 174.58 521.10 Td (swaps\) ) Tj ET Q q 0 0 0 rg BT 204.20 521.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 236.60 521.10 Td (with ) Tj ET Q q 0 0 0 rg BT 256.23 521.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 293.62 521.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 342.67 521.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 385.06 521.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.69 521.10 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 431.51 521.10 Td (their ) Tj ET Q q 0 0 0 rg BT 451.69 521.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 494.07 521.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 510.92 521.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 509.10 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 92.15 509.10 Td (For ) Tj ET Q q 0 0 0 rg BT 107.92 509.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 146.18 509.10 Td (these ) Tj ET Q q 0 0 0 rg BT 168.61 509.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 224.36 509.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 248.46 509.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.56 509.10 Td (Company) Tj ET Q q 0 0 0 rg BT 304.23 509.10 Td (s ) Tj ET Q q 0 0 0 rg BT 310.00 509.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 359.09 509.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 401.51 509.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.18 509.10 Td (ef) Tj ET Q q 0 0 0 rg BT 418.76 509.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 455.63 509.10 Td (convert ) Tj ET Q q 0 0 0 rg BT 487.50 509.10 Td (a ) Tj ET Q q 0 0 0 rg BT 493.82 509.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 527.91 509.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 544.78 509.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 497.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.33 497.10 Td (a ) Tj ET Q q 0 0 0 rg BT 65.32 497.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 87.41 497.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 106.45 497.10 Td (In ) Tj ET Q q 0 0 0 rg BT 116.33 497.10 Td (order ) Tj ET Q q 0 0 0 rg BT 138.97 497.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.30 497.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 187.62 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.39 497.10 Td (Company) Tj ET Q q 0 0 0 rg BT 243.05 497.10 Td (s ) Tj ET Q q 0 0 0 rg BT 248.49 497.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 286.14 497.10 Td (on ) Tj ET Q q 0 0 0 rg BT 297.69 497.10 Td (these ) Tj ET Q q 0 0 0 rg BT 319.78 497.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 371.60 497.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.36 497.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 425.80 497.10 Td (simultaneously ) Tj ET Q q 0 0 0 rg BT 487.90 497.10 Td (executes ) Tj ET Q q 0 0 0 rg BT 523.87 497.10 Td (of) Tj ET Q q 0 0 0 rg BT 532.02 497.10 Td (fsetting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 485.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 97.09 485.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.08 485.10 Td (third ) Tj ET Q q 0 0 0 rg BT 140.18 485.10 Td (parties. ) Tj ET Q q 0 0 0 rg BT 172.55 485.10 Td (In ) Tj ET Q q 0 0 0 rg BT 184.09 485.10 Td (most ) Tj ET Q q 0 0 0 rg BT 206.76 485.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 233.57 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.00 485.10 Td (of) Tj ET Q q 0 0 0 rg BT 257.15 485.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 290.36 485.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 337.45 485.10 Td (have ) Tj ET Q q 0 0 0 rg BT 359.54 485.10 Td (mirror) Tj ET Q q 0 0 0 rg BT 384.88 485.10 Td (-image ) Tj ET Q q 0 0 0 rg BT 415.86 485.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 443.79 485.10 Td (which ) Tj ET Q q 0 0 0 rg BT 471.45 485.10 Td (result ) Tj ET Q q 0 0 0 rg BT 496.88 485.10 Td (in ) Tj ET Q q 0 0 0 rg BT 507.87 485.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.30 485.10 Td (positions) Tj ET Q q 0 0 0 rg BT 562.01 485.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 473.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.98 473.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.54 473.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 112.19 473.10 Td (value ) Tj ET Q q 0 0 0 rg BT 136.63 473.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 189.96 473.10 Td (of) Tj ET Q q 0 0 0 rg BT 198.11 473.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 230.88 473.10 Td (through ) Tj ET Q q 0 0 0 rg BT 264.76 473.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 301.42 473.10 Td (each ) Tj ET Q q 0 0 0 rg BT 322.51 473.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 353.33 473.10 Td (However) Tj ET Q q 0 0 0 rg BT 389.58 473.10 Td (, ) Tj ET Q q 0 0 0 rg BT 394.86 473.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.42 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.41 473.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 447.62 473.10 Td (that ) Tj ET Q q 0 0 0 rg BT 465.40 473.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.39 473.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 527.04 473.10 Td (are ) Tj ET Q q 0 0 0 rg BT 542.02 473.10 Td (not ) Tj ET Q q 0 0 0 rg BT 557.58 473.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.10 Td (mirror) Tj ET Q q 0 0 0 rg BT 75.35 461.10 Td (-image ) Tj ET Q q 0 0 0 rg BT 105.78 461.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.89 461.10 Td (because ) Tj ET Q q 0 0 0 rg BT 157.20 461.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.20 461.10 Td (dif) Tj ET Q q 0 0 0 rg BT 179.13 461.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 215.10 461.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.55 461.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 278.75 461.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 304.18 461.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 324.35 461.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 359.22 461.10 Td (in ) Tj ET Q q 0 0 0 rg BT 369.67 461.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 386.22 461.10 Td (value ) Tj ET Q q 0 0 0 rg BT 410.54 461.10 Td (will ) Tj ET Q q 0 0 0 rg BT 428.76 461.10 Td (not ) Tj ET Q q 0 0 0 rg BT 444.21 461.10 Td (completely ) Tj ET Q q 0 0 0 rg BT 491.31 461.10 Td (of) Tj ET Q q 0 0 0 rg BT 499.46 461.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 516.56 461.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 554.23 461.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.10 Td (some ) Tj ET Q q 0 0 0 rg BT 74.09 449.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 110.96 449.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 141.15 449.10 Td (each ) Tj ET Q q 0 0 0 rg BT 162.46 449.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 193.49 449.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 230.91 449.10 Td (in ) Tj ET Q q 0 0 0 rg BT 241.68 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.88 449.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 273.74 449.10 Td (value ) Tj ET Q q 0 0 0 rg BT 298.38 449.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.70 449.10 Td (these ) Tj ET Q q 0 0 0 rg BT 333.23 449.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 380.09 449.10 Td (are ) Tj ET Q q 0 0 0 rg BT 395.28 449.10 Td (included ) Tj ET Q q 0 0 0 rg BT 432.70 449.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.47 449.10 Td (other ) Tj ET Q q 0 0 0 rg BT 467.00 449.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 517.75 449.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 552.01 449.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 437.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.80 437.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.80 437.10 Td (, ) Tj ET Q q 0 0 0 rg BT 134.02 437.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.96 437.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 190.56 437.10 Td (had ) Tj ET Q q 0 0 0 rg BT 207.72 437.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 239.87 437.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 257.58 437.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 300.28 437.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 350.76 437.10 Td (with ) Tj ET Q q 0 0 0 rg BT 371.25 437.10 Td (an ) Tj ET Q q 0 0 0 rg BT 383.41 437.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 424.99 437.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 460.49 437.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 493.20 437.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.25 437.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 425.10 Td ($3.4 ) Tj ET Q q 0 0 0 rg BT 69.23 425.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.34 425.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.07 425.10 Td (\(all ) Tj ET Q q 0 0 0 rg BT 112.12 425.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 143.28 425.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 159.99 425.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 186.16 425.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.32 425.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 221.82 425.10 Td (with ) Tj ET Q q 0 0 0 rg BT 241.32 425.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 283.59 425.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.76 425.10 Td (third ) Tj ET Q q 0 0 0 rg BT 320.37 425.10 Td (parties\) ) Tj ET Q q 0 0 0 rg BT 352.08 425.10 Td (related ) Tj ET Q q 0 0 0 rg BT 381.01 425.10 Td (to ) Tj ET Q q 0 0 0 rg BT 390.52 425.10 Td (this ) Tj ET Q q 0 0 0 rg BT 406.69 425.10 Td (program. ) Tj ET Q q 0 0 0 rg BT 444.67 425.10 Td (These ) Tj ET Q q 0 0 0 rg BT 470.27 425.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 501.43 425.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 518.14 425.10 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.10 Td (had ) Tj ET Q q 0 0 0 rg BT 66.94 413.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 103.32 413.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 126.37 413.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 159.41 413.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.35 413.10 Td (January ) Tj ET Q q 0 0 0 rg BT 214.95 413.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.95 413.10 Td ( ) Tj ET Q q 0 0 0 rg BT 237.45 413.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.73 413.10 Td (February ) Tj ET Q q 0 0 0 rg BT 286.33 413.10 Td (2045) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.33 413.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 392.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.85 392.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 127.60 392.10 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.58 392.10 Td (These ) Tj ET Q q 0 0 0 rg BT 208.87 392.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 255.16 392.10 Td (include ) Tj ET Q q 0 0 0 rg BT 287.01 392.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 318.86 392.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 336.26 392.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 355.90 392.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 412.75 392.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 450.71 392.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.91 392.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 503.87 392.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.06 392.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 534.81 392.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.95 380.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 115.24 380.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.20 380.10 Td (be ) Tj ET Q q 0 0 0 rg BT 138.82 380.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 158.68 380.10 Td (into ) Tj ET Q q 0 0 0 rg BT 177.42 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.82 380.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 236.54 380.10 Td (market ) Tj ET Q q 0 0 0 rg BT 267.49 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.11 380.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 319.94 380.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 377.56 380.10 Td (for ) Tj ET Q q 0 0 0 rg BT 392.41 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.81 380.10 Td (future ) Tj ET Q q 0 0 0 rg BT 434.87 380.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 470.82 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.33 380.10 Td (such ) Tj ET Q q 0 0 0 rg BT 503.84 380.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 530.63 380.10 Td (It ) Tj ET Q q 0 0 0 rg BT 539.93 380.10 Td (is ) Tj ET Q q 0 0 0 rg BT 549.78 380.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 368.10 Td (s ) Tj ET Q q 0 0 0 rg BT 99.16 368.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 134.41 368.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.80 368.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 169.39 368.10 Td (into ) Tj ET Q q 0 0 0 rg BT 188.55 368.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 223.81 368.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 281.86 368.10 Td (for ) Tj ET Q q 0 0 0 rg BT 297.13 368.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.95 368.10 Td (future ) Tj ET Q q 0 0 0 rg BT 340.43 368.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 376.81 368.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.74 368.10 Td (a ) Tj ET Q q 0 0 0 rg BT 396.79 368.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 429.28 368.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.22 368.10 Td (our ) Tj ET Q q 0 0 0 rg BT 458.16 368.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 503.42 368.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 544.79 368.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.10 Td (production ) Tj ET Q q 0 0 0 rg BT 96.08 356.10 Td (when ) Tj ET Q q 0 0 0 rg BT 120.50 356.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 152.69 356.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 170.43 356.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 190.40 356.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 247.60 356.10 Td (are ) Tj ET Q q 0 0 0 rg BT 262.56 356.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 294.74 356.10 Td (into ) Tj ET Q q 0 0 0 rg BT 313.05 356.10 Td (in ) Tj ET Q q 0 0 0 rg BT 323.59 356.10 Td (order ) Tj ET Q q 0 0 0 rg BT 347.44 356.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.98 356.10 Td (economically ) Tj ET Q q 0 0 0 rg BT 414.60 356.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 441.24 356.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.21 356.10 Td (ef) Tj ET Q q 0 0 0 rg BT 463.80 356.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 481.54 356.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.62 356.10 Td (future ) Tj ET Q q 0 0 0 rg BT 519.26 356.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.22 356.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.46 344.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 104.37 344.10 Td (on ) Tj ET Q q 0 0 0 rg BT 117.40 344.10 Td (its ) Tj ET Q q 0 0 0 rg BT 129.88 344.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 187.35 344.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.15 344.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 219.51 344.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.76 344.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 258.90 344.10 Td (as ) Tj ET Q q 0 0 0 rg BT 270.26 344.10 Td (well ) Tj ET Q q 0 0 0 rg BT 290.51 344.10 Td (as ) Tj ET Q q 0 0 0 rg BT 301.87 344.10 Td (on ) Tj ET Q q 0 0 0 rg BT 314.90 344.10 Td (its ) Tj ET Q q 0 0 0 rg BT 327.37 344.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 365.40 344.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.76 344.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 417.55 344.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 441.69 344.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 473.70 344.10 Td (-sale. ) Tj ET Q q 0 0 0 rg BT 497.88 344.10 Td (The ) Tj ET Q q 0 0 0 rg BT 516.46 344.10 Td (Company) Tj ET Q q 0 0 0 rg BT 558.13 344.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 89.85 332.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 124.14 332.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 170.10 332.10 Td (have ) Tj ET Q q 0 0 0 rg BT 191.06 332.10 Td (not ) Tj ET Q q 0 0 0 rg BT 205.92 332.10 Td (been ) Tj ET Q q 0 0 0 rg BT 226.87 332.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 271.72 332.10 Td (as ) Tj ET Q q 0 0 0 rg BT 282.13 332.10 Td (being ) Tj ET Q q 0 0 0 rg BT 306.43 332.10 Td (in ) Tj ET Q q 0 0 0 rg BT 316.29 332.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 342.25 332.10 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 397.47 332.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.55 332.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 467.72 332.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.72 332.10 Td (, ) Tj ET Q q 0 0 0 rg BT 492.30 332.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.60 332.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 547.57 332.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 83.72 320.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 140.23 320.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.08 320.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 166.04 320.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 205.87 320.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 229.05 320.10 Td (with ) Tj ET Q q 0 0 0 rg BT 248.90 320.10 Td (an ) Tj ET Q q 0 0 0 rg BT 260.41 320.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 301.34 320.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 336.18 320.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 368.25 320.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.65 320.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.48 320.10 Td ($753.9 ) Tj ET Q q 0 0 0 rg BT 468.05 320.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.94 320.10 Td ( ) Tj ET Q q 0 0 0 rg BT 499.01 320.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.52 320.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.02 320.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 68.62 308.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 124.47 308.10 Td (with ) Tj ET Q q 0 0 0 rg BT 143.66 308.10 Td (an ) Tj ET Q q 0 0 0 rg BT 154.50 308.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 194.77 308.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 228.95 308.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 260.36 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.09 308.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.26 308.10 Td ($326.7 ) Tj ET Q q 0 0 0 rg BT 358.17 308.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.06 308.10 Td (. ) Tj ET Q q 0 0 0 rg BT 390.66 308.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 440.56 308.10 Td (, ) Tj ET Q q 0 0 0 rg BT 444.47 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.09 308.10 Td (Company) Tj ET Q q 0 0 0 rg BT 499.76 308.10 Td (s ) Tj ET Q q 0 0 0 rg BT 505.06 308.10 Td (total ) Tj ET Q q 0 0 0 rg BT 524.24 308.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 72.88 296.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 104.89 296.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 125.54 296.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.53 296.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 192.39 296.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.39 296.10 Td ( ) Tj ET Q q 0 0 0 rg BT 214.17 296.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.49 296.10 Td ($388.0 ) Tj ET Q q 0 0 0 rg BT 260.77 296.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.66 296.10 Td (. ) Tj ET Q q 0 0 0 rg BT 293.81 296.10 Td (The ) Tj ET Q q 0 0 0 rg BT 311.13 296.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 326.78 296.10 Td (values ) Tj ET Q q 0 0 0 rg BT 354.10 296.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.21 296.10 Td (these ) Tj ET Q q 0 0 0 rg BT 386.53 296.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 432.18 296.10 Td (were ) Tj ET Q q 0 0 0 rg BT 453.38 296.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 493.48 296.10 Td (based ) Tj ET Q q 0 0 0 rg BT 518.02 296.10 Td (on ) Tj ET Q q 0 0 0 rg BT 529.79 296.10 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.71 284.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 99.40 284.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 120.21 284.10 Td (from ) Tj ET Q q 0 0 0 rg BT 141.57 284.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.72 284.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 178.19 284.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.45 284.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.60 284.10 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 261.46 284.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 297.83 284.10 Td (in ) Tj ET Q q 0 0 0 rg BT 307.54 284.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.68 284.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 337.49 284.10 Td (value ) Tj ET Q q 0 0 0 rg BT 361.07 284.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.33 284.10 Td (these ) Tj ET Q q 0 0 0 rg BT 393.81 284.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 433.50 284.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 467.65 284.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 513.45 284.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.58 284.10 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 272.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 272.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 100.54 272.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 135.26 272.10 Td (revenue.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 251.10 Td (For) Tj ET Q q 0 0 0 rg BT 64.63 251.10 Td (eign ) Tj ET Q q 0 0 0 rg BT 84.67 251.10 Td (Curr) Tj ET Q q 0 0 0 rg BT 103.76 251.10 Td (ency ) Tj ET Q q 0 0 0 rg BT 124.90 251.10 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.89 251.10 Td (These ) Tj ET Q q 0 0 0 rg BT 206.59 251.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 253.29 251.10 Td (include ) Tj ET Q q 0 0 0 rg BT 285.55 251.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 317.26 251.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 355.06 251.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 393.99 251.10 Td (used ) Tj ET Q q 0 0 0 rg BT 415.15 251.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.75 251.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 459.67 251.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.72 251.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 506.43 251.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 547.01 251.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 239.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 92.98 239.10 Td (with ) Tj ET Q q 0 0 0 rg BT 112.64 239.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 143.41 239.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 180.27 239.10 Td (denominated ) Tj ET Q q 0 0 0 rg BT 233.81 239.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 259.02 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.35 239.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 327.50 239.10 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 360.49 239.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 397.35 239.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 437.83 239.10 Td (which ) Tj ET Q q 0 0 0 rg BT 464.16 239.10 Td (include ) Tj ET Q q 0 0 0 rg BT 495.48 239.10 Td (spot ) Tj ET Q q 0 0 0 rg BT 514.03 239.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.36 239.10 Td (forward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 227.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 91.42 227.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 130.89 227.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 179.25 227.10 Td (to ) Tj ET Q q 0 0 0 rg BT 189.85 227.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 230.43 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.47 227.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 283.27 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.42 227.10 Td (one ) Tj ET Q q 0 0 0 rg BT 311.69 227.10 Td (country ) Tj ET Q q 0 0 0 rg BT 345.06 227.10 Td (for ) Tj ET Q q 0 0 0 rg BT 359.54 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.58 227.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 412.39 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.54 227.10 Td (another ) Tj ET Q q 0 0 0 rg BT 456.35 227.10 Td (country ) Tj ET Q q 0 0 0 rg BT 489.72 227.10 Td (at ) Tj ET Q q 0 0 0 rg BT 499.76 227.10 Td (an ) Tj ET Q q 0 0 0 rg BT 512.03 227.10 Td (agreed-upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.10 Td (price ) Tj ET Q q 0 0 0 rg BT 72.57 215.10 Td (on ) Tj ET Q q 0 0 0 rg BT 85.15 215.10 Td (an ) Tj ET Q q 0 0 0 rg BT 97.17 215.10 Td (agreed-upon ) Tj ET Q q 0 0 0 rg BT 149.73 215.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 193.41 215.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 214.58 215.10 Td (As ) Tj ET Q q 0 0 0 rg BT 228.27 215.10 Td (a ) Tj ET Q q 0 0 0 rg BT 235.29 215.10 Td (result ) Tj ET Q q 0 0 0 rg BT 260.09 215.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.00 215.10 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 320.80 215.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.16 215.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 362.62 215.10 Td (currencies, ) Tj ET Q q 0 0 0 rg BT 408.78 215.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.58 215.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 443.95 215.10 Td (dollar) Tj ET Q q 0 0 0 rg BT 467.07 215.10 Td (-equivalent ) Tj ET Q q 0 0 0 rg BT 514.63 215.10 Td (value ) Tj ET Q q 0 0 0 rg BT 538.87 215.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 215.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 80.98 203.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 118.05 203.10 Td (denominated ) Tj ET Q q 0 0 0 rg BT 171.80 203.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 197.23 203.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.66 203.10 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 250.84 203.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 300.70 203.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 335.55 203.10 Td (or ) Tj ET Q q 0 0 0 rg BT 345.98 203.10 Td (decrease. ) Tj ET Q q 0 0 0 rg BT 385.00 203.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 410.42 203.10 Td (or ) Tj ET Q q 0 0 0 rg BT 420.85 203.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 446.84 203.10 Td (on ) Tj ET Q q 0 0 0 rg BT 458.94 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.26 203.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 515.34 203.10 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.35 191.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.28 191.10 Td (these ) Tj ET Q q 0 0 0 rg BT 111.98 191.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 143.01 191.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 180.13 191.10 Td (denominated ) Tj ET Q q 0 0 0 rg BT 233.94 191.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 259.42 191.10 Td (or ) Tj ET Q q 0 0 0 rg BT 269.90 191.10 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 313.13 191.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 363.05 191.10 Td (are ) Tj ET Q q 0 0 0 rg BT 377.40 191.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 415.09 191.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.02 191.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 477.72 191.10 Td (of) Tj ET Q q 0 0 0 rg BT 485.87 191.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 502.46 191.10 Td (this ) Tj ET Q q 0 0 0 rg BT 519.06 191.10 Td (variability) Tj ET Q q 0 0 0 rg BT 559.51 191.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.96 179.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.13 179.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.06 179.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.06 179.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.90 179.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.96 179.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 213.69 179.10 Td (held ) Tj ET Q q 0 0 0 rg BT 233.75 179.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 265.47 179.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 303.29 179.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 350.00 179.10 Td (with ) Tj ET Q q 0 0 0 rg BT 370.63 179.10 Td (an ) Tj ET Q q 0 0 0 rg BT 382.91 179.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 424.61 179.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 460.23 179.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 493.07 179.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.24 179.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.10 Td ($22.0 ) Tj ET Q q 0 0 0 rg BT 75.00 167.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.89 167.10 Td (. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 146.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.48 146.10 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.47 146.10 Td (Periodically) Tj ET Q q 0 0 0 rg BT 178.14 146.10 Td (, ) Tj ET Q q 0 0 0 rg BT 182.79 146.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.15 146.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 238.19 146.10 Td (will ) Tj ET Q q 0 0 0 rg BT 255.90 146.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 271.93 146.10 Td (options ) Tj ET Q q 0 0 0 rg BT 303.53 146.10 Td (to ) Tj ET Q q 0 0 0 rg BT 313.46 146.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.05 146.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 341.64 146.10 Td (or ) Tj ET Q q 0 0 0 rg BT 352.12 146.10 Td (dealer ) Tj ET Q q 0 0 0 rg BT 378.69 146.10 Td (for ) Tj ET Q q 0 0 0 rg BT 392.50 146.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.87 146.10 Td (right ) Tj ET Q q 0 0 0 rg BT 427.90 146.10 Td (to ) Tj ET Q q 0 0 0 rg BT 437.83 146.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 475.52 146.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 504.87 146.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 544.78 146.10 Td (held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.10 Td (within ) Tj ET Q q 0 0 0 rg BT 77.46 134.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.59 134.10 Td (banks) Tj ET Q q 0 0 0 rg BT 117.51 134.10 Td ( ) Tj ET Q q 0 0 0 rg BT 119.42 134.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 165.21 134.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 206.00 134.10 Td (\(covered ) Tj ET Q q 0 0 0 rg BT 242.88 134.10 Td (call ) Tj ET Q q 0 0 0 rg BT 259.23 134.10 Td (options\). ) Tj ET Q q 0 0 0 rg BT 296.27 134.10 Td (These ) Tj ET Q q 0 0 0 rg BT 322.06 134.10 Td (option ) Tj ET Q q 0 0 0 rg BT 349.52 134.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 399.20 134.10 Td (are ) Tj ET Q q 0 0 0 rg BT 413.31 134.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 450.77 134.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 489.89 134.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.57 134.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 534.25 134.10 Td (overall ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.03 122.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 99.61 122.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 117.20 122.10 Td (and ) Tj ET Q q 0 0 0 rg BT 134.23 122.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.61 122.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 179.96 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.77 122.10 Td (total ) Tj ET Q q 0 0 0 rg BT 215.13 122.10 Td (return ) Tj ET Q q 0 0 0 rg BT 241.60 122.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 285.29 122.10 Td (with ) Tj ET Q q 0 0 0 rg BT 305.67 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.48 122.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 366.95 122.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 407.31 122.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 447.21 122.10 Td (These ) Tj ET Q q 0 0 0 rg BT 473.68 122.10 Td (options ) Tj ET Q q 0 0 0 rg BT 505.73 122.10 Td (do ) Tj ET Q q 0 0 0 rg BT 518.32 122.10 Td (not ) Tj ET Q q 0 0 0 rg BT 533.69 122.10 Td (qualify ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.39 110.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 92.23 110.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 129.73 110.10 Td (to ) Tj ET Q q 0 0 0 rg BT 139.90 110.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 162.41 110.10 Td (815, ) Tj ET Q q 0 0 0 rg BT 182.98 110.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 202.98 110.10 Td (accordingly) Tj ET Q q 0 0 0 rg BT 249.53 110.10 Td (, ) Tj ET Q q 0 0 0 rg BT 255.10 110.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 290.37 110.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.21 110.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 318.15 110.10 Td (value ) Tj ET Q q 0 0 0 rg BT 342.87 110.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.26 110.10 Td (these ) Tj ET Q q 0 0 0 rg BT 377.87 110.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 417.03 110.10 Td (are ) Tj ET Q q 0 0 0 rg BT 432.30 110.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 479.23 110.10 Td (as ) Tj ET Q q 0 0 0 rg BT 490.62 110.10 Td (other ) Tj ET Q q 0 0 0 rg BT 514.23 110.10 Td (non-interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 84.25 98.10 Td (There ) Tj ET Q q 0 0 0 rg BT 110.07 98.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.00 98.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.00 98.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.50 98.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 178.64 98.10 Td (call ) Tj ET Q q 0 0 0 rg BT 195.58 98.10 Td (options ) Tj ET Q q 0 0 0 rg BT 227.52 98.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 276.69 98.10 Td (as ) Tj ET Q q 0 0 0 rg BT 287.52 98.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.35 98.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 356.93 98.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.93 98.10 Td ( ) Tj ET Q q 0 0 0 rg BT 379.43 98.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.26 98.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 448.85 98.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.85 98.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 77.10 Td (As ) Tj ET Q q 0 0 0 rg BT 62.98 77.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 103.19 77.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 131.44 77.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.52 77.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 186.28 77.10 Td (has ) Tj ET Q q 0 0 0 rg BT 201.48 77.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 232.78 77.10 Td (into ) Tj ET Q q 0 0 0 rg BT 250.21 77.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 281.51 77.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 298.37 77.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 314.12 77.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 359.86 77.10 Td (to ) Tj ET Q q 0 0 0 rg BT 369.51 77.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 399.15 77.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.23 77.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 453.99 77.10 Td (in ) Tj ET Q q 0 0 0 rg BT 463.64 77.10 Td (a ) Tj ET Q q 0 0 0 rg BT 469.95 77.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 494.60 77.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 511.46 77.10 Td (environment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 65.10 Td (against ) Tj ET Q q 0 0 0 rg BT 80.64 65.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 120.71 65.10 Td (mar) Tj ET Q q 0 0 0 rg BT 136.07 65.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 151.16 65.10 Td (compression ) Tj ET Q q 0 0 0 rg BT 204.02 65.10 Td (due ) Tj ET Q q 0 0 0 rg BT 220.78 65.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.87 65.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.40 65.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 283.81 65.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.45 65.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 328.96 65.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 346.26 65.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 385.79 65.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.55 65.10 Td (lack ) Tj ET Q q 0 0 0 rg BT 421.51 65.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.16 65.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 470.57 65.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.21 65.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 504.07 65.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 521.37 65.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 544.79 65.10 Td (and/) Tj ET Q endstream endobj 305 0 obj <> endobj 306 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (152) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.65 742.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 102.72 742.10 Td (As ) Tj ET Q q 0 0 0 rg BT 116.16 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.81 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 185.21 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.21 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 210.03 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.57 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 265.78 742.10 Td (held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.32 742.10 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.98 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 304.30 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 336.05 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 353.36 742.10 Td (cap ) Tj ET Q q 0 0 0 rg BT 369.56 742.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 411.86 742.10 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 452.77 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 479.53 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 494.06 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 509.16 742.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 554.24 742.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 76.38 730.10 Td (relationships, ) Tj ET Q q 0 0 0 rg BT 132.48 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 153.86 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 165.80 730.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 207.16 730.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 242.43 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 266.59 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.42 730.10 Td ($446.5 ) Tj ET Q q 0 0 0 rg BT 307.42 730.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.31 730.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Amounts ) Tj ET Q q 0 0 0 rg BT 88.30 709.10 Td (included ) Tj ET Q q 0 0 0 rg BT 124.36 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 133.76 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.60 709.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 202.00 709.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 247.51 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.47 709.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 289.08 709.10 Td (related ) Tj ET Q q 0 0 0 rg BT 317.91 709.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.31 709.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 368.92 709.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 417.21 709.10 Td (not ) Tj ET Q q 0 0 0 rg BT 431.61 709.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 476.00 709.10 Td (in ) Tj ET Q q 0 0 0 rg BT 485.41 709.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 510.91 709.10 Td (relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.93 697.10 Td (as ) Tj ET Q q 0 0 0 rg BT 82.76 697.10 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 662.60 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 662.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 662.60 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 662.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 662.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 662.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 662.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 633.60 180.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.50 633.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.50 633.60 168.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 633.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 633.60 76.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 633.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 633.60 76.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 686.6 m 230.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 674.6 m 230.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 686.6 m 234.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 674.6 m 234.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 686.6 m 402.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 674.6 m 402.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 686.6 m 406.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 674.6 m 406.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 686.6 m 482.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 674.6 m 482.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 686.6 m 486.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 674.6 m 486.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 686.6 m 562.5 686.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 674.6 m 562.5 674.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 662.6 m 230.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 662.6 m 234.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 662.6 m 402.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 662.6 m 406.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 662.6 m 482.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 662.6 m 486.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 662.6 m 562.5 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 604.6 m 230.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 604.6 m 234.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234.5 604.6 m 402.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 604.6 m 406.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 604.6 m 482.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 604.6 m 486.5 604.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 604.6 m 562.5 604.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 678.55 Td (\(Dollars in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.00 678.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.75 678.68 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 666.68 Td (Derivative) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 267.65 666.68 Td (Location in income statement) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 436.00 666.68 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.00 666.55 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 653.17 Td (Interest rate swaps and caps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.00 653.17 Td (Trading \(losses\) gains, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 409.00 653.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 653.33 Td (\(454) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 653.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 653.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 653.22 Td (\(1,675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 653.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 639.17 Td (Mortgage banking derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.00 638.27 Td (Mortgage banking revenue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.30 638.33 Td (\(299) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 638.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 638.32 Td (\(2,012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 638.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 624.17 Td (Covered call options) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.00 624.17 Td (Fees from covered call options) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.15 624.28 Td (15,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 624.17 Td (7,859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 610.17 Td (Foreign exchange contracts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.00 609.27 Td (Trading \(losses\) gains, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.65 609.28 Td (186) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 609.27 Td (68) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 584.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 60.19 584.10 Td (edit Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 563.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 94.23 563.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 142.93 563.10 Td (have ) Tj ET Q q 0 0 0 rg BT 163.84 563.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 198.64 563.10 Td (risks, ) Tj ET Q q 0 0 0 rg BT 222.06 563.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 261.31 563.10 Td (market ) Tj ET Q q 0 0 0 rg BT 291.10 563.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 308.14 563.10 Td (and ) Tj ET Q q 0 0 0 rg BT 324.61 563.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 349.40 563.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 368.94 563.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 399.85 563.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 416.88 563.10 Td (is ) Tj ET Q q 0 0 0 rg BT 425.58 563.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 468.71 563.10 Td (with ) Tj ET Q q 0 0 0 rg BT 488.52 563.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 522.76 563.10 Td (in ) Tj ET Q q 0 0 0 rg BT 532.57 563.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 551.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 72.13 551.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.82 551.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 115.84 551.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 134.10 551.10 Td (relates ) Tj ET Q q 0 0 0 rg BT 163.44 551.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.48 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.95 551.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 208.20 551.10 Td (that ) Tj ET Q q 0 0 0 rg BT 226.45 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.92 551.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 295.71 551.10 Td (will ) Tj ET Q q 0 0 0 rg BT 314.52 551.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 331.10 551.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.13 551.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 377.60 551.10 Td (according ) Tj ET Q q 0 0 0 rg BT 420.27 551.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.31 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.78 551.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 472.25 551.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.83 551.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.30 551.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 546.46 551.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 539.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.98 539.10 Td (potentially ) Tj ET Q q 0 0 0 rg BT 132.85 539.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 164.27 539.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.15 539.10 Td (market ) Tj ET Q q 0 0 0 rg BT 206.01 539.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.54 539.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 249.40 539.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 271.39 539.10 Td (are ) Tj ET Q q 0 0 0 rg BT 286.70 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.01 539.10 Td (streams ) Tj ET Q q 0 0 0 rg BT 335.66 539.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.08 539.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 379.61 539.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 421.04 539.10 Td (under ) Tj ET Q q 0 0 0 rg BT 446.90 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.22 539.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 501.41 539.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.94 539.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.26 539.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 527.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.15 527.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.98 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.69 527.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 142.16 527.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 187.43 527.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.37 527.10 Td (not ) Tj ET Q q 0 0 0 rg BT 219.64 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.35 527.10 Td (notional ) Tj ET Q q 0 0 0 rg BT 269.62 527.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 307.66 527.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 344.04 527.10 Td (used ) Tj ET Q q 0 0 0 rg BT 364.86 527.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.14 527.10 Td (express ) Tj ET Q q 0 0 0 rg BT 407.62 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.33 527.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 454.82 527.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.65 527.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.36 527.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 533.12 527.10 Td (Market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 515.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.86 515.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 92.04 515.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 113.36 515.10 Td (are ) Tj ET Q q 0 0 0 rg BT 127.98 515.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 166.50 515.10 Td (and ) Tj ET Q q 0 0 0 rg BT 183.36 515.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 226.88 515.10 Td (as ) Tj ET Q q 0 0 0 rg BT 237.63 515.10 Td (part ) Tj ET Q q 0 0 0 rg BT 255.60 515.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.35 515.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.99 515.10 Td (Company) Tj ET Q q 0 0 0 rg BT 322.66 515.10 Td (s ) Tj ET Q q 0 0 0 rg BT 328.97 515.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 359.15 515.10 Td (asset-liability ) Tj ET Q q 0 0 0 rg BT 415.45 515.10 Td (management ) Tj ET Q q 0 0 0 rg BT 468.96 515.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 503.87 515.10 Td (except ) Tj ET Q q 0 0 0 rg BT 532.39 515.10 Td (that ) Tj ET Q q 0 0 0 rg BT 549.80 515.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 503.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.51 503.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 93.25 503.10 Td (related ) Tj ET Q q 0 0 0 rg BT 123.19 503.10 Td (to ) Tj ET Q q 0 0 0 rg BT 133.71 503.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 180.32 503.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 212.49 503.10 Td (into ) Tj ET Q q 0 0 0 rg BT 230.79 503.10 Td (with ) Tj ET Q q 0 0 0 rg BT 251.31 503.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 281.25 503.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 319.54 503.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 362.82 503.10 Td (is ) Tj ET Q q 0 0 0 rg BT 372.23 503.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 411.07 503.10 Td (through ) Tj ET Q q 0 0 0 rg BT 444.92 503.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.88 503.10 Td (Company) Tj ET Q q 0 0 0 rg BT 501.54 503.10 Td (s ) Tj ET Q q 0 0 0 rg BT 508.17 503.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 544.79 503.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 491.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 103.71 491.10 Td (process ) Tj ET Q q 0 0 0 rg BT 135.76 491.10 Td (since ) Tj ET Q q 0 0 0 rg BT 158.37 491.10 Td (these ) Tj ET Q q 0 0 0 rg BT 180.97 491.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 226.90 491.10 Td (are ) Tj ET Q q 0 0 0 rg BT 241.17 491.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 273.76 491.10 Td (through ) Tj ET Q q 0 0 0 rg BT 306.93 491.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 346.18 491.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 383.79 491.10 Td (by ) Tj ET Q q 0 0 0 rg BT 395.85 491.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.12 491.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 429.40 491.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 479.03 491.10 Td (Actual ) Tj ET Q q 0 0 0 rg BT 507.75 491.10 Td (exposures ) Tj ET Q q 0 0 0 rg BT 549.79 491.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 479.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 92.88 479.10 Td (against ) Tj ET Q q 0 0 0 rg BT 122.99 479.10 Td (various ) Tj ET Q q 0 0 0 rg BT 154.21 479.10 Td (types ) Tj ET Q q 0 0 0 rg BT 177.10 479.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.21 479.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 211.76 479.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 236.32 479.10 Td (established ) Tj ET Q q 0 0 0 rg BT 282.54 479.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.10 479.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 323.31 479.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 340.09 479.10 Td (within ) Tj ET Q q 0 0 0 rg BT 367.43 479.10 Td (parameters. ) Tj ET Q q 0 0 0 rg BT 415.44 479.10 Td (When ) Tj ET Q q 0 0 0 rg BT 441.10 479.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 473.98 479.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 512.20 479.10 Td (, ) Tj ET Q q 0 0 0 rg BT 516.48 479.10 Td (appropriate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 467.10 Td (types ) Tj ET Q q 0 0 0 rg BT 73.61 467.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.55 467.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 126.93 467.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.76 467.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 177.46 467.10 Td (are ) Tj ET Q q 0 0 0 rg BT 192.17 467.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 229.10 467.10 Td (to ) Tj ET Q q 0 0 0 rg BT 239.38 467.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 279.65 467.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 304.91 467.10 Td (exposure.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.44 446.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.21 446.10 Td (has ) Tj ET Q q 0 0 0 rg BT 123.43 446.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 170.85 446.10 Td (with ) Tj ET Q q 0 0 0 rg BT 190.52 446.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 219.61 446.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.83 446.10 Td (its ) Tj ET Q q 0 0 0 rg BT 241.17 446.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 272.50 446.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 289.37 446.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 331.24 446.10 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 389.77 446.10 Td (that ) Tj ET Q q 0 0 0 rg BT 406.66 446.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 437.98 446.10 Td (cross-default ) Tj ET Q q 0 0 0 rg BT 491.51 446.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 537.57 446.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 83.22 434.10 Td (that ) Tj ET Q q 0 0 0 rg BT 100.88 434.10 Td (if ) Tj ET Q q 0 0 0 rg BT 109.66 434.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.55 434.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 166.11 434.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 200.43 434.10 Td (on ) Tj ET Q q 0 0 0 rg BT 213.11 434.10 Td (any ) Tj ET Q q 0 0 0 rg BT 230.21 434.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.22 434.10 Td (its ) Tj ET Q q 0 0 0 rg BT 253.33 434.10 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 310.16 434.10 Td (including ) Tj ET Q q 0 0 0 rg BT 350.61 434.10 Td (default ) Tj ET Q q 0 0 0 rg BT 381.04 434.10 Td (where ) Tj ET Q q 0 0 0 rg BT 408.14 434.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 453.01 434.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.01 434.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.90 434.10 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 533.23 434.10 Td (has ) Tj ET Q q 0 0 0 rg BT 549.23 434.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.10 Td (been ) Tj ET Q q 0 0 0 rg BT 71.66 422.10 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 119.39 422.10 Td (by ) Tj ET Q q 0 0 0 rg BT 132.17 422.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.16 422.10 Td (lender) Tj ET Q q 0 0 0 rg BT 171.75 422.10 Td (, ) Tj ET Q q 0 0 0 rg BT 177.03 422.10 Td (then ) Tj ET Q q 0 0 0 rg BT 197.02 422.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.02 422.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 253.68 422.10 Td (could ) Tj ET Q q 0 0 0 rg BT 278.68 422.10 Td (also ) Tj ET Q q 0 0 0 rg BT 297.56 422.10 Td (be ) Tj ET Q q 0 0 0 rg BT 309.78 422.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 346.42 422.10 Td (in ) Tj ET Q q 0 0 0 rg BT 356.98 422.10 Td (default ) Tj ET Q q 0 0 0 rg BT 387.52 422.10 Td (on ) Tj ET Q q 0 0 0 rg BT 400.30 422.10 Td (its ) Tj ET Q q 0 0 0 rg BT 412.52 422.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 455.28 422.10 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 504.80 422.10 Td (The ) Tj ET Q q 0 0 0 rg BT 523.13 422.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 410.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.92 410.10 Td (has ) Tj ET Q q 0 0 0 rg BT 85.05 410.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 133.39 410.10 Td (with ) Tj ET Q q 0 0 0 rg BT 153.98 410.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 183.99 410.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.13 410.10 Td (its ) Tj ET Q q 0 0 0 rg BT 207.38 410.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 250.17 410.10 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 309.62 410.10 Td (that ) Tj ET Q q 0 0 0 rg BT 327.42 410.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 359.66 410.10 Td (a ) Tj ET Q q 0 0 0 rg BT 366.91 410.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 407.50 410.10 Td (allowing ) Tj ET Q q 0 0 0 rg BT 445.30 410.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.32 410.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 513.66 410.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.25 410.10 Td (terminate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 398.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.21 398.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 108.18 398.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 147.29 398.10 Td (if ) Tj ET Q q 0 0 0 rg BT 156.39 398.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.59 398.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 213.47 398.10 Td (fails ) Tj ET Q q 0 0 0 rg BT 233.68 398.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.45 398.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 282.43 398.10 Td (its ) Tj ET Q q 0 0 0 rg BT 294.87 398.10 Td (status ) Tj ET Q q 0 0 0 rg BT 320.64 398.10 Td (as ) Tj ET Q q 0 0 0 rg BT 331.96 398.10 Td (a ) Tj ET Q q 0 0 0 rg BT 339.39 398.10 Td (well ) Tj ET Q q 0 0 0 rg BT 359.59 398.10 Td (or ) Tj ET Q q 0 0 0 rg BT 370.92 398.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 417.22 398.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 463.51 398.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 509.57 398.10 Td (which ) Tj ET Q q 0 0 0 rg BT 536.99 398.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.10 Td (require ) Tj ET Q q 0 0 0 rg BT 81.95 386.10 Td (the ) Tj ET Q q 0 0 0 rg BT 97.80 386.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 140.32 386.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.74 386.10 Td (settle ) Tj ET Q q 0 0 0 rg BT 176.48 386.10 Td (its ) Tj ET Q q 0 0 0 rg BT 189.56 386.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 237.64 386.10 Td (under ) Tj ET Q q 0 0 0 rg BT 264.04 386.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.90 386.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 330.76 386.10 Td (As ) Tj ET Q q 0 0 0 rg BT 345.51 386.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.47 386.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 417.19 386.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.19 386.10 Td (, ) Tj ET Q q 0 0 0 rg BT 443.33 386.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.18 386.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 476.69 386.10 Td (value ) Tj ET Q q 0 0 0 rg BT 501.98 386.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.95 386.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.02 386.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 95.39 374.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.68 374.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.64 374.10 Td (net ) Tj ET Q q 0 0 0 rg BT 124.37 374.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 156.99 374.10 Td (position, ) Tj ET Q q 0 0 0 rg BT 193.24 374.10 Td (which ) Tj ET Q q 0 0 0 rg BT 219.19 374.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 254.03 374.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 286.63 374.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 317.58 374.10 Td (related ) Tj ET Q q 0 0 0 rg BT 346.30 374.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.60 374.10 Td (these ) Tj ET Q q 0 0 0 rg BT 377.66 374.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 427.21 374.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.27 374.10 Td ($43.3 ) Tj ET Q q 0 0 0 rg BT 468.29 374.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.18 374.10 Td (. ) Tj ET Q q 0 0 0 rg BT 501.20 374.10 Td (If ) Tj ET Q q 0 0 0 rg BT 509.38 374.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.11 374.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.10 Td (had ) Tj ET Q q 0 0 0 rg BT 65.85 362.10 Td (breached ) Tj ET Q q 0 0 0 rg BT 103.35 362.10 Td (any ) Tj ET Q q 0 0 0 rg BT 119.20 362.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.95 362.10 Td (these ) Tj ET Q q 0 0 0 rg BT 150.91 362.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 193.99 362.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.62 362.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 260.12 362.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.12 362.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.53 362.10 Td (it ) Tj ET Q q 0 0 0 rg BT 288.50 362.10 Td (would ) Tj ET Q q 0 0 0 rg BT 314.91 362.10 Td (have ) Tj ET Q q 0 0 0 rg BT 335.21 362.10 Td (been ) Tj ET Q q 0 0 0 rg BT 355.50 362.10 Td (required ) Tj ET Q q 0 0 0 rg BT 390.22 362.10 Td (to ) Tj ET Q q 0 0 0 rg BT 399.42 362.10 Td (settle ) Tj ET Q q 0 0 0 rg BT 421.93 362.10 Td (its ) Tj ET Q q 0 0 0 rg BT 432.80 362.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 478.65 362.10 Td (under ) Tj ET Q q 0 0 0 rg BT 502.83 362.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.46 362.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.46 350.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.93 350.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 122.27 350.10 Td (value ) Tj ET Q q 0 0 0 rg BT 146.17 350.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.86 350.10 Td (would ) Tj ET Q q 0 0 0 rg BT 190.10 350.10 Td (have ) Tj ET Q q 0 0 0 rg BT 211.23 350.10 Td (been ) Tj ET Q q 0 0 0 rg BT 232.35 350.10 Td (required ) Tj ET Q q 0 0 0 rg BT 267.91 350.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.93 350.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 294.62 350.10 Td (any ) Tj ET Q q 0 0 0 rg BT 311.30 350.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 353.54 350.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 389.67 350.10 Td (due ) Tj ET Q q 0 0 0 rg BT 406.36 350.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.38 350.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 444.73 350.10 Td (of ) Tj ET Q q 0 0 0 rg BT 455.30 350.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 491.44 350.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 535.90 350.10 Td (posted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 338.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 338.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 100.53 338.10 Td (with ) Tj ET Q q 0 0 0 rg BT 120.81 338.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.52 338.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 178.55 338.10 Td (counterparty) Tj ET Q q 0 0 0 rg BT 228.44 338.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.53 317.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.39 317.10 Td (is ) Tj ET Q q 0 0 0 rg BT 120.04 317.10 Td (also ) Tj ET Q q 0 0 0 rg BT 139.13 317.10 Td (exposed ) Tj ET Q q 0 0 0 rg BT 174.88 317.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.64 317.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.84 317.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 226.58 317.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 244.56 317.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.87 317.10 Td (its ) Tj ET Q q 0 0 0 rg BT 268.30 317.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 318.47 317.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 362.00 317.10 Td (who ) Tj ET Q q 0 0 0 rg BT 382.20 317.10 Td (are ) Tj ET Q q 0 0 0 rg BT 397.39 317.10 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 457.01 317.10 Td (to ) Tj ET Q q 0 0 0 rg BT 467.76 317.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 500.18 317.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 518.14 317.10 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.81 305.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.07 305.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 111.79 305.10 Td (This ) Tj ET Q q 0 0 0 rg BT 131.60 305.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 184.17 305.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 201.21 305.10 Td (related ) Tj ET Q q 0 0 0 rg BT 230.44 305.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.26 305.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.51 305.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 303.74 305.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 346.32 305.10 Td (is ) Tj ET Q q 0 0 0 rg BT 355.03 305.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 393.16 305.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.63 305.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 452.77 305.10 Td (through ) Tj ET Q q 0 0 0 rg BT 485.92 305.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.17 305.10 Td (banks) Tj ET Q q 0 0 0 rg BT 526.09 305.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.12 305.10 Td (standard ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 104.48 293.10 Td (process ) Tj ET Q q 0 0 0 rg BT 137.30 293.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 181.22 293.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.83 293.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 215.76 293.10 Td (since ) Tj ET Q q 0 0 0 rg BT 239.14 293.10 Td (these ) Tj ET Q q 0 0 0 rg BT 262.52 293.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 309.22 293.10 Td (are ) Tj ET Q q 0 0 0 rg BT 324.25 293.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 357.62 293.10 Td (through ) Tj ET Q q 0 0 0 rg BT 391.55 293.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 431.58 293.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 469.96 293.10 Td (by ) Tj ET Q q 0 0 0 rg BT 482.78 293.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.83 293.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 517.88 293.10 Td (agreement. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 281.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.52 281.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 120.02 281.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 136.99 281.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 180.05 281.10 Td (with ) Tj ET Q q 0 0 0 rg BT 199.80 281.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.98 281.10 Td (mirror) Tj ET Q q 0 0 0 rg BT 239.33 281.10 Td (-image ) Tj ET Q q 0 0 0 rg BT 269.06 281.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 295.48 281.10 Td (executed ) Tj ET Q q 0 0 0 rg BT 332.98 281.10 Td (with ) Tj ET Q q 0 0 0 rg BT 352.72 281.10 Td (third ) Tj ET Q q 0 0 0 rg BT 373.58 281.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 402.21 281.10 Td (is ) Tj ET Q q 0 0 0 rg BT 410.84 281.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 453.92 281.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.32 281.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 508.39 281.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.14 281.10 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 269.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 269.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.00 269.10 Td (Company) Tj ET Q q 0 0 0 rg BT 126.66 269.10 Td (s ) Tj ET Q q 0 0 0 rg BT 133.05 269.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 163.32 269.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 185.25 269.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 218.86 269.10 Td (management ) Tj ET Q q 0 0 0 rg BT 272.45 269.10 Td (process.) Tj ET Q endstream endobj 307 0 obj <> endobj 308 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (153) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.99 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.31 742.10 Td (records ) Tj ET Q q 0 0 0 rg BT 138.18 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 169.06 742.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 185.48 742.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 230.80 742.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 260.56 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 269.78 742.10 Td (master ) Tj ET Q q 0 0 0 rg BT 297.88 742.10 Td (netting ) Tj ET Q q 0 0 0 rg BT 327.09 742.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 374.06 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 382.72 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 402.49 742.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 425.04 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 448.13 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.01 742.10 Td (does ) Tj ET Q q 0 0 0 rg BT 483.78 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 498.00 742.10 Td (of) Tj ET Q q 0 0 0 rg BT 506.15 742.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 522.03 742.10 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 76.81 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.73 730.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 135.43 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 148.91 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.60 730.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 220.86 730.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 268.22 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.03 730.10 Td (Condition. ) Tj ET Q q 0 0 0 rg BT 326.02 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 329.25 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 348.27 730.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 375.08 730.10 Td (below ) Tj ET Q q 0 0 0 rg BT 403.00 730.10 Td (summarize ) Tj ET Q q 0 0 0 rg BT 450.35 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.05 730.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 514.11 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.02 730.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 96.37 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.31 718.10 Td (of) Tj ET Q q 0 0 0 rg BT 121.46 718.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 153.96 718.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 192.57 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 203.40 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.23 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.95 718.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 252.00 718.10 Td (shown.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 658.60 216.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 658.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 658.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 658.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 658.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 658.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 658.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 658.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 632.60 216.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 632.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 632.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 632.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 632.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 632.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 632.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 632.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 606.60 216.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 606.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 606.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 606.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 606.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 606.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 606.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 606.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 580.60 216.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 580.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 336.50 580.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.50 580.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 411.50 580.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 580.60 71.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 580.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 580.60 71.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 707.6 m 265.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 707.6 m 336.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 694.6 m 336.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 707.6 m 340.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 694.6 m 340.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 707.6 m 411.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 694.6 m 411.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 707.6 m 415.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 707.6 m 486.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 694.6 m 486.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 707.6 m 490.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 694.6 m 490.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 707.6 m 561.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 694.6 m 561.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 694.6 m 336.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 679.6 m 336.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 694.6 m 340.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 679.6 m 340.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 694.6 m 411.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 679.6 m 411.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 694.6 m 415.5 694.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 679.6 m 486.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 679.6 m 490.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 679.6 m 561.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 658.6 m 265.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 679.6 m 336.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 658.6 m 336.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 679.6 m 340.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 658.6 m 340.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 679.6 m 411.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 658.6 m 411.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 679.6 m 415.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 658.6 m 415.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 679.6 m 486.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 658.6 m 486.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 679.6 m 490.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 658.6 m 490.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 679.6 m 561.5 679.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 658.6 m 561.5 658.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 632.6 m 336.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 632.6 m 340.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 632.6 m 411.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 632.6 m 415.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 632.6 m 486.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 632.6 m 490.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 632.6 m 561.5 632.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 619.6 m 336.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 619.6 m 340.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 619.6 m 411.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 619.6 m 415.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 619.6 m 486.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 619.6 m 490.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 619.6 m 561.5 619.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 580.6 m 336.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 580.6 m 340.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 580.6 m 411.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 580.6 m 415.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 580.6 m 486.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 580.6 m 490.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 580.6 m 561.5 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 567.6 m 265.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 567.6 m 336.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 336.5 567.6 m 340.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340.5 567.6 m 411.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 567.6 m 415.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 415.5 567.6 m 486.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 567.6 m 490.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 567.6 m 561.5 567.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.85 698.85 Td (Derivative Assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.90 698.85 Td (Derivative Liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 321.50 683.85 Td (Fair Value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.50 683.85 Td (Fair Value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 662.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.25 670.83 Td (December) Tj ET Q q 0 0 0 rg BT 311.75 670.83 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.50 662.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.05 670.85 Td (December 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.50 662.85 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.25 670.83 Td (December) Tj ET Q q 0 0 0 rg BT 461.75 670.83 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 442.50 662.83 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.05 670.85 Td (December 31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.50 662.85 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 650.55 Td (Gross Amounts Recognized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.00 649.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.30 649.83 Td (42,779) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 649.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 649.85 Td (37,841) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 418.00 649.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.30 649.83 Td (42,458) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.00 649.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 649.85 Td (36,921) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 637.55 Td (Less: Amounts offset in the Statements of Condition) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 636.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.30 636.85 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.30 636.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 636.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 624.55 Td (Net amount presented in the Statements of Condition) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.00 623.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.30 623.83 Td (42,779) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 623.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 623.85 Td (37,841) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 418.00 623.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.30 623.83 Td (42,458) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.00 623.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.30 623.85 Td (36,921) Tj ET Q BT /F3 8.00 Tf ET q 0 0 0 rg BT 52.00 611.68 Td (Gross amounts not offset in the Statements of Condition) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 598.55 Td (Offsetting Derivative Positions) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.00 597.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 318.60 597.83 Td (\(753) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.30 597.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 597.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.60 597.85 Td (\(2,771) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.30 597.85 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 418.00 597.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.60 597.83 Td (\(753) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.30 597.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.00 597.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.60 597.85 Td (\(2,771) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.30 597.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 585.55 Td (Collateral Posted ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 108.88 589.18 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 584.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.30 584.85 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.60 584.83 Td (\(41,705) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.30 584.83 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.60 584.85 Td (\(34,150) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.30 584.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 572.55 Td (Net Credit Exposure) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 268.00 571.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.30 571.83 Td (42,026) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.00 571.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 386.30 571.85 Td (35,070) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 418.00 571.83 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.30 571.83 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.00 571.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 571.85 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 544.10 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 544.10 Td (As ) Tj ET Q q 0 0 0 rg BT 80.86 544.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.49 544.10 Td (December ) Tj ET Q q 0 0 0 rg BT 135.43 544.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 150.79 544.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 173.64 544.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.50 544.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 216.86 544.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.93 544.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 273.11 544.10 Td (posted ) Tj ET Q q 0 0 0 rg BT 302.08 544.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 343.81 544.10 Td (of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 354.45 544.10 Td ($45.5 ) Tj ET Q q 0 0 0 rg BT 379.80 544.10 Td (million) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 408.14 544.10 Td ( ) Tj ET Q q 0 0 0 rg BT 410.99 544.10 Td (and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 428.85 544.10 Td ($43.8 ) Tj ET Q q 0 0 0 rg BT 454.21 544.10 Td (million) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 482.54 544.10 Td (, ) Tj ET Q q 0 0 0 rg BT 487.90 544.10 Td (r) Tj ET Q q 0 0 0 rg BT 491.42 544.10 Td (espectively ) Tj ET Q q 0 0 0 rg BT 538.13 544.10 Td (which ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 532.10 Td (r) Tj ET Q q 0 0 0 rg BT 71.52 532.10 Td (esulted ) Tj ET Q q 0 0 0 rg BT 101.76 532.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.46 532.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 138.92 532.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 179.72 532.10 Td (with ) Tj ET Q q 0 0 0 rg BT 198.86 532.10 Td (its ) Tj ET Q q 0 0 0 rg BT 210.23 532.10 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 272.98 532.10 Td ( ) Tj ET Q q 0 0 0 rg BT 274.89 532.10 Td (For ) Tj ET Q q 0 0 0 rg BT 291.81 532.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 329.85 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.54 532.10 Td (this ) Tj ET Q q 0 0 0 rg BT 355.91 532.10 Td (disclosur) Tj ET Q q 0 0 0 rg BT 392.21 532.10 Td (e, ) Tj ET Q q 0 0 0 rg BT 401.07 532.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.20 532.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 447.12 532.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.82 532.10 Td (posted ) Tj ET Q q 0 0 0 rg BT 484.85 532.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 525.65 532.10 Td (is ) Tj ET Q q 0 0 0 rg BT 534.24 532.10 Td (limited ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 68.00 520.10 Td (to ) Tj ET Q q 0 0 0 rg BT 78.28 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.00 520.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 125.50 520.10 Td (offsetting ) Tj ET Q q 0 0 0 rg BT 165.22 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.93 520.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 222.41 520.10 Td (liability) Tj ET Q q 0 0 0 rg BT 252.97 520.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (\(21\) Fair) Tj ET Q q 0 0 0 rg BT 87.30 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 89.62 499.10 Td (V) Tj ET Q q 0 0 0 rg BT 95.93 499.10 Td (alue of ) Tj ET Q q 0 0 0 rg BT 126.48 499.10 Td (Assets and Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.69 478.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.72 478.10 Td (measures, ) Tj ET Q q 0 0 0 rg BT 150.57 478.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 188.27 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.85 478.10 Td (discloses ) Tj ET Q q 0 0 0 rg BT 243.10 478.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 272.44 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.92 478.10 Td (its ) Tj ET Q q 0 0 0 rg BT 294.51 478.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 319.98 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.56 478.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 375.92 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 388.06 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 394.64 478.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 410.66 478.10 Td (value ) Tj ET Q q 0 0 0 rg BT 434.46 478.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 458.95 478.10 Td (These ) Tj ET Q q 0 0 0 rg BT 484.97 478.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.09 478.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 547.56 478.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.82 466.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 127.88 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 142.93 466.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 184.09 466.10 Td (at ) Tj ET Q q 0 0 0 rg BT 194.15 466.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 210.87 466.10 Td (value ) Tj ET Q q 0 0 0 rg BT 235.37 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 245.99 466.10 Td (three ) Tj ET Q q 0 0 0 rg BT 268.82 466.10 Td (levels, ) Tj ET Q q 0 0 0 rg BT 297.49 466.10 Td (based ) Tj ET Q q 0 0 0 rg BT 323.10 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 335.95 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.01 466.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 385.50 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 396.13 466.10 Td (which ) Tj ET Q q 0 0 0 rg BT 423.41 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.47 466.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 464.64 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.92 466.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 521.98 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 537.03 466.10 Td (traded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.66 454.10 Td (observability ) Tj ET Q q 0 0 0 rg BT 136.37 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.20 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.91 454.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 188.86 454.10 Td (used ) Tj ET Q q 0 0 0 rg BT 209.69 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.97 454.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 262.45 454.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 278.83 454.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 305.30 454.10 Td (These ) Tj ET Q q 0 0 0 rg BT 331.68 454.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 357.50 454.10 Td (are:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 421.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 421.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 100.61 421.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 108.11 421.10 Td ( ) Tj ET Q q 0 0 0 rg BT 120.61 421.10 Td (unadjusted ) Tj ET Q q 0 0 0 rg BT 166.44 421.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 196.16 421.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 222.53 421.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.81 421.10 Td (active ) Tj ET Q q 0 0 0 rg BT 259.18 421.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 293.34 421.10 Td (for ) Tj ET Q q 0 0 0 rg BT 307.50 421.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 344.43 421.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 370.26 421.10 Td (or ) Tj ET Q q 0 0 0 rg BT 381.09 421.10 Td (liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 397.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 397.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 100.84 397.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 108.56 397.10 Td ( ) Tj ET Q q 0 0 0 rg BT 121.28 397.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 148.45 397.10 Td (other ) Tj ET Q q 0 0 0 rg BT 171.72 397.10 Td (than ) Tj ET Q q 0 0 0 rg BT 191.66 397.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 221.60 397.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 248.20 397.10 Td (included ) Tj ET Q q 0 0 0 rg BT 285.35 397.10 Td (in ) Tj ET Q q 0 0 0 rg BT 295.85 397.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 321.34 397.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 329.06 397.10 Td (that ) Tj ET Q q 0 0 0 rg BT 346.78 397.10 Td (are ) Tj ET Q q 0 0 0 rg BT 361.71 397.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 407.75 397.10 Td (for ) Tj ET Q q 0 0 0 rg BT 422.13 397.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.07 397.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 459.23 397.10 Td (or ) Tj ET Q q 0 0 0 rg BT 470.28 397.10 Td (liability) Tj ET Q q 0 0 0 rg BT 500.74 397.10 Td (, ) Tj ET Q q 0 0 0 rg BT 505.96 397.10 Td (either ) Tj ET Q q 0 0 0 rg BT 531.45 397.10 Td (directly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 86.70 385.10 Td (indirectly) Tj ET Q q 0 0 0 rg BT 124.37 385.10 Td (. ) Tj ET Q q 0 0 0 rg BT 129.67 385.10 Td (These ) Tj ET Q q 0 0 0 rg BT 156.57 385.10 Td (include ) Tj ET Q q 0 0 0 rg BT 189.02 385.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 219.26 385.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 246.15 385.10 Td (for ) Tj ET Q q 0 0 0 rg BT 260.83 385.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 291.62 385.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 317.97 385.10 Td (or ) Tj ET Q q 0 0 0 rg BT 329.32 385.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 369.56 385.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.35 385.10 Td (active ) Tj ET Q q 0 0 0 rg BT 407.25 385.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 444.42 385.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 474.66 385.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 501.55 385.10 Td (for ) Tj ET Q q 0 0 0 rg BT 516.23 385.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 553.68 385.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 373.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 105.44 373.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 131.10 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 141.75 373.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 181.28 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 191.38 373.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 225.36 373.10 Td (that ) Tj ET Q q 0 0 0 rg BT 242.67 373.10 Td (are ) Tj ET Q q 0 0 0 rg BT 257.20 373.10 Td (not ) Tj ET Q q 0 0 0 rg BT 272.30 373.10 Td (active, ) Tj ET Q q 0 0 0 rg BT 300.99 373.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 327.76 373.10 Td (other ) Tj ET Q q 0 0 0 rg BT 350.63 373.10 Td (than ) Tj ET Q q 0 0 0 rg BT 370.17 373.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 399.71 373.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 425.90 373.10 Td (that ) Tj ET Q q 0 0 0 rg BT 443.22 373.10 Td (are ) Tj ET Q q 0 0 0 rg BT 457.75 373.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 503.38 373.10 Td (for ) Tj ET Q q 0 0 0 rg BT 517.37 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.90 373.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 553.66 373.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 361.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 108.43 361.10 Td (or ) Tj ET Q q 0 0 0 rg BT 118.72 361.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 145.14 361.10 Td (that ) Tj ET Q q 0 0 0 rg BT 162.10 361.10 Td (are ) Tj ET Q q 0 0 0 rg BT 176.28 361.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 208.23 361.10 Td (principally ) Tj ET Q q 0 0 0 rg BT 253.52 361.10 Td (from ) Tj ET Q q 0 0 0 rg BT 274.93 361.10 Td (or ) Tj ET Q q 0 0 0 rg BT 285.22 361.10 Td (corroborated ) Tj ET Q q 0 0 0 rg BT 338.27 361.10 Td (by ) Tj ET Q q 0 0 0 rg BT 350.24 361.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 395.53 361.10 Td (market ) Tj ET Q q 0 0 0 rg BT 425.26 361.10 Td (data ) Tj ET Q q 0 0 0 rg BT 443.88 361.10 Td (by ) Tj ET Q q 0 0 0 rg BT 455.85 361.10 Td (correlation ) Tj ET Q q 0 0 0 rg BT 501.13 361.10 Td (or ) Tj ET Q q 0 0 0 rg BT 511.42 361.10 Td (other ) Tj ET Q q 0 0 0 rg BT 533.94 361.10 Td (means.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.35 337.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 337.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 100.38 337.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 107.64 337.10 Td ( ) Tj ET Q q 0 0 0 rg BT 119.90 337.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 164.37 337.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 219.95 337.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 246.66 337.10 Td (that ) Tj ET Q q 0 0 0 rg BT 263.92 337.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 291.71 337.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.19 337.10 Td (Company) Tj ET Q q 0 0 0 rg BT 347.86 337.10 Td (s ) Tj ET Q q 0 0 0 rg BT 354.01 337.10 Td (own ) Tj ET Q q 0 0 0 rg BT 373.50 337.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 425.21 337.10 Td (that ) Tj ET Q q 0 0 0 rg BT 442.46 337.10 Td (market ) Tj ET Q q 0 0 0 rg BT 472.49 337.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 521.40 337.10 Td (would ) Tj ET Q q 0 0 0 rg BT 548.66 337.10 Td (use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 325.10 Td (in ) Tj ET Q q 0 0 0 rg BT 84.94 325.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 115.07 325.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.10 325.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 154.24 325.10 Td (or ) Tj ET Q q 0 0 0 rg BT 164.38 325.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 205.91 325.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 230.48 325.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 237.30 325.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 262.44 325.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.68 325.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 317.71 325.10 Td (include ) Tj ET Q q 0 0 0 rg BT 348.96 325.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 385.75 325.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 434.22 325.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 461.59 325.10 Td (value ) Tj ET Q q 0 0 0 rg BT 485.05 325.10 Td (is ) Tj ET Q q 0 0 0 rg BT 493.53 325.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 540.32 325.10 Td (using ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 313.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 104.95 313.10 Td (models, ) Tj ET Q q 0 0 0 rg BT 137.61 313.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 182.21 313.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 201.25 313.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 220.85 313.10 Td (methodologies, ) Tj ET Q q 0 0 0 rg BT 283.51 313.10 Td (or ) Tj ET Q q 0 0 0 rg BT 293.11 313.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 322.16 313.10 Td (techniques, ) Tj ET Q q 0 0 0 rg BT 368.70 313.10 Td (as ) Tj ET Q q 0 0 0 rg BT 378.30 313.10 Td (well ) Tj ET Q q 0 0 0 rg BT 396.79 313.10 Td (as ) Tj ET Q q 0 0 0 rg BT 406.39 313.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 454.33 313.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.27 313.10 Td (which ) Tj ET Q q 0 0 0 rg BT 492.98 313.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.47 313.10 Td (determination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.35 301.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.18 301.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 102.56 301.10 Td (value ) Tj ET Q q 0 0 0 rg BT 126.71 301.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 161.42 301.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 206.13 301.10 Td (management ) Tj ET Q q 0 0 0 rg BT 259.72 301.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 299.99 301.10 Td (or ) Tj ET Q q 0 0 0 rg BT 310.82 301.10 Td (estimation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 280.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.13 280.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 94.57 280.10 Td (instrument) Tj ET Q q 0 0 0 rg BT 140.12 280.10 Td (s ) Tj ET Q q 0 0 0 rg BT 145.47 280.10 Td (categorization ) Tj ET Q q 0 0 0 rg BT 203.56 280.10 Td (within ) Tj ET Q q 0 0 0 rg BT 230.57 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.25 280.10 Td (above ) Tj ET Q q 0 0 0 rg BT 269.58 280.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 308.25 280.10 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 347.46 280.10 Td (is ) Tj ET Q q 0 0 0 rg BT 355.59 280.10 Td (based ) Tj ET Q q 0 0 0 rg BT 379.82 280.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 401.27 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.95 280.10 Td (lowest ) Tj ET Q q 0 0 0 rg BT 442.51 280.10 Td (level ) Tj ET Q q 0 0 0 rg BT 463.41 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.19 280.10 Td (input ) Tj ET Q q 0 0 0 rg BT 495.21 280.10 Td (that ) Tj ET Q q 0 0 0 rg BT 511.66 280.10 Td (is ) Tj ET Q q 0 0 0 rg BT 519.79 280.10 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.20 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.83 268.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 91.13 268.10 Td (value ) Tj ET Q q 0 0 0 rg BT 115.21 268.10 Td (measurement. ) Tj ET Q q 0 0 0 rg BT 173.26 268.10 Td (The ) Tj ET Q q 0 0 0 rg BT 191.23 268.10 Td (Company) Tj ET Q q 0 0 0 rg BT 232.89 268.10 Td (s ) Tj ET Q q 0 0 0 rg BT 239.20 268.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 286.06 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.81 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.45 268.10 Td (significance ) Tj ET Q q 0 0 0 rg BT 362.18 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 372.93 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.78 268.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 420.51 268.10 Td (input ) Tj ET Q q 0 0 0 rg BT 443.49 268.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.69 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.32 268.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 484.62 268.10 Td (value ) Tj ET Q q 0 0 0 rg BT 508.69 268.10 Td (measurement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.55 256.10 Td (its ) Tj ET Q q 0 0 0 rg BT 70.77 256.10 Td (entirety ) Tj ET Q q 0 0 0 rg BT 103.09 256.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 137.07 256.10 Td (judgment, ) Tj ET Q q 0 0 0 rg BT 179.11 256.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.32 256.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 234.86 256.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 263.84 256.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 296.71 256.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.26 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.25 256.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 345.35 256.10 Td (or ) Tj ET Q q 0 0 0 rg BT 355.45 256.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 396.94 256.10 Td (Following ) Tj ET Q q 0 0 0 rg BT 439.83 256.10 Td (is ) Tj ET Q q 0 0 0 rg BT 448.28 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 454.49 256.10 Td (description ) Tj ET Q q 0 0 0 rg BT 500.69 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.80 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.79 256.10 Td (valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 111.38 244.10 Td (used ) Tj ET Q q 0 0 0 rg BT 132.21 244.10 Td (for ) Tj ET Q q 0 0 0 rg BT 146.37 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.09 244.10 Td (Company) Tj ET Q q 0 0 0 rg BT 202.75 244.10 Td (s ) Tj ET Q q 0 0 0 rg BT 209.15 244.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 234.98 244.10 Td (and ) Tj ET Q q 0 0 0 rg BT 251.91 244.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 291.63 244.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 332.45 244.10 Td (at ) Tj ET Q q 0 0 0 rg BT 342.16 244.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 358.54 244.10 Td (value ) Tj ET Q q 0 0 0 rg BT 382.70 244.10 Td (on ) Tj ET Q q 0 0 0 rg BT 395.20 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 402.13 244.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 441.28 244.10 Td (basis.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 223.10 Td (A) Tj ET Q q 0 0 0 rg BT 55.56 223.10 Td (vailable-for) Tj ET Q q 0 0 0 rg BT 102.57 223.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 124.29 223.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.58 223.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 173.31 223.10 Td (account ) Tj ET Q q 0 0 0 rg BT 207.26 223.10 Td (securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.58 223.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 273.98 223.10 Td (values ) Tj ET Q q 0 0 0 rg BT 301.81 223.10 Td (for ) Tj ET Q q 0 0 0 rg BT 315.76 223.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 366.64 223.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 387.80 223.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.52 223.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 435.14 223.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 475.19 223.10 Td (are ) Tj ET Q q 0 0 0 rg BT 489.68 223.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 526.96 223.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 223.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 211.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 76.71 211.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 113.98 211.10 Td (from ) Tj ET Q q 0 0 0 rg BT 136.25 211.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 187.96 211.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 219.12 211.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 256.11 211.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 298.38 211.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 339.53 211.10 Td (with ) Tj ET Q q 0 0 0 rg BT 360.14 211.10 Td (these ) Tj ET Q q 0 0 0 rg BT 383.53 211.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 423.57 211.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 469.17 211.10 Td (are ) Tj ET Q q 0 0 0 rg BT 484.21 211.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 524.25 211.10 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.87 199.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 86.17 199.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 93.71 199.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.58 199.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.34 199.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 135.75 199.10 Td (value ) Tj ET Q q 0 0 0 rg BT 159.95 199.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 197.05 199.10 Td (. ) Tj ET Q q 0 0 0 rg BT 201.91 199.10 Td (T) Tj ET Q q 0 0 0 rg BT 207.32 199.10 Td (ypically) Tj ET Q q 0 0 0 rg BT 238.88 199.10 Td (, ) Tj ET Q q 0 0 0 rg BT 243.92 199.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 280.33 199.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 307.32 199.10 Td (such ) Tj ET Q q 0 0 0 rg BT 328.19 199.10 Td (as ) Tj ET Q q 0 0 0 rg BT 339.06 199.10 Td (benchmark ) Tj ET Q q 0 0 0 rg BT 386.02 199.10 Td (yields, ) Tj ET Q q 0 0 0 rg BT 414.95 199.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 450.80 199.10 Td (trades ) Tj ET Q q 0 0 0 rg BT 477.22 199.10 Td (for ) Tj ET Q q 0 0 0 rg BT 491.42 199.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 521.73 199.10 Td (securities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 187.10 Td (issuer ) Tj ET Q q 0 0 0 rg BT 75.64 187.10 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 110.45 187.10 Td (benchmark ) Tj ET Q q 0 0 0 rg BT 157.19 187.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 199.77 187.10 Td (bids, ) Tj ET Q q 0 0 0 rg BT 221.25 187.10 Td (of) Tj ET Q q 0 0 0 rg BT 229.40 187.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 246.70 187.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.46 187.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 302.95 187.10 Td (data ) Tj ET Q q 0 0 0 rg BT 321.92 187.10 Td (including ) Tj ET Q q 0 0 0 rg BT 362.01 187.10 Td (market ) Tj ET Q q 0 0 0 rg BT 392.09 187.10 Td (research ) Tj ET Q q 0 0 0 rg BT 427.71 187.10 Td (publications ) Tj ET Q q 0 0 0 rg BT 478.91 187.10 Td (are ) Tj ET Q q 0 0 0 rg BT 493.43 187.10 Td (used ) Tj ET Q q 0 0 0 rg BT 514.07 187.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.17 187.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.36 187.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 175.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.70 175.10 Td (security) Tj ET Q q 0 0 0 rg BT 87.70 175.10 Td (. ) Tj ET Q q 0 0 0 rg BT 92.30 175.10 Td (When ) Tj ET Q q 0 0 0 rg BT 118.44 175.10 Td (these ) Tj ET Q q 0 0 0 rg BT 141.24 175.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 167.95 175.10 Td (are ) Tj ET Q q 0 0 0 rg BT 182.42 175.10 Td (not ) Tj ET Q q 0 0 0 rg BT 197.46 175.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 238.31 175.10 Td (broker/dealer ) Tj ET Q q 0 0 0 rg BT 293.87 175.10 Td (quotes ) Tj ET Q q 0 0 0 rg BT 322.23 175.10 Td (may ) Tj ET Q q 0 0 0 rg BT 341.71 175.10 Td (be ) Tj ET Q q 0 0 0 rg BT 353.41 175.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 390.10 175.10 Td (by ) Tj ET Q q 0 0 0 rg BT 402.36 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.84 175.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 446.87 175.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.90 175.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 499.15 175.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.62 175.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 529.76 175.10 Td (value ) Tj ET Q q 0 0 0 rg BT 553.67 175.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 163.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.84 163.10 Td (security) Tj ET Q q 0 0 0 rg BT 95.84 163.10 Td (. ) Tj ET Q q 0 0 0 rg BT 100.77 163.10 Td (W) Tj ET Q q 0 0 0 rg BT 109.41 163.10 Td (e ) Tj ET Q q 0 0 0 rg BT 116.47 163.10 Td (review ) Tj ET Q q 0 0 0 rg BT 146.29 163.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.13 163.10 Td (vendor) Tj ET Q q 0 0 0 rg BT 189.27 163.10 Td () Tj ET Q q 0 0 0 rg BT 192.05 163.10 Td (s ) Tj ET Q q 0 0 0 rg BT 198.56 163.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 229.51 163.10 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 291.01 163.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.40 163.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 344.00 163.10 Td (if ) Tj ET Q q 0 0 0 rg BT 352.73 163.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 398.67 163.10 Td (market ) Tj ET Q q 0 0 0 rg BT 429.05 163.10 Td (information ) Tj ET Q q 0 0 0 rg BT 478.88 163.10 Td (is ) Tj ET Q q 0 0 0 rg BT 488.17 163.10 Td (being ) Tj ET Q q 0 0 0 rg BT 513.01 163.10 Td (used, ) Tj ET Q q 0 0 0 rg BT 536.46 163.10 Td (versus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 151.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 105.65 151.10 Td (inputs. ) Tj ET Q q 0 0 0 rg BT 134.93 151.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 153.37 151.10 Td (value ) Tj ET Q q 0 0 0 rg BT 177.35 151.10 Td (measurements ) Tj ET Q q 0 0 0 rg BT 236.89 151.10 Td (using ) Tj ET Q q 0 0 0 rg BT 260.89 151.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 305.43 151.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 332.21 151.10 Td (that ) Tj ET Q q 0 0 0 rg BT 349.54 151.10 Td (are ) Tj ET Q q 0 0 0 rg BT 364.08 151.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 419.72 151.10 Td (in ) Tj ET Q q 0 0 0 rg BT 429.83 151.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.38 151.10 Td (market ) Tj ET Q q 0 0 0 rg BT 474.48 151.10 Td (due ) Tj ET Q q 0 0 0 rg BT 491.25 151.10 Td (to ) Tj ET Q q 0 0 0 rg BT 501.36 151.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 532.02 151.10 Td (activity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 139.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 139.10 Td (a ) Tj ET Q q 0 0 0 rg BT 67.77 139.10 Td (less ) Tj ET Q q 0 0 0 rg BT 85.27 139.10 Td (liquid ) Tj ET Q q 0 0 0 rg BT 111.10 139.10 Td (market ) Tj ET Q q 0 0 0 rg BT 141.37 139.10 Td (are ) Tj ET Q q 0 0 0 rg BT 156.07 139.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 196.34 139.10 Td (as ) Tj ET Q q 0 0 0 rg BT 207.17 139.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 232.43 139.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 239.93 139.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.21 139.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.93 139.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 281.30 139.10 Td (value ) Tj ET Q q 0 0 0 rg BT 305.46 139.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 342.56 139.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.25 118.10 Td (Company) Tj ET Q q 0 0 0 rg BT 109.92 118.10 Td (s ) Tj ET Q q 0 0 0 rg BT 116.52 118.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 163.66 118.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 210.24 118.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 260.15 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 269.53 118.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 317.79 118.10 Td (for ) Tj ET Q q 0 0 0 rg BT 332.15 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.08 118.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 387.00 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.03 118.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 423.51 118.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 431.21 118.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 482.09 118.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 503.68 118.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 546.45 118.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 106.87 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.41 106.10 Td (variables ) Tj ET Q q 0 0 0 rg BT 165.61 106.10 Td (used ) Tj ET Q q 0 0 0 rg BT 188.04 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 200.47 106.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 229.02 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 240.90 106.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 273.32 106.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 300.19 106.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 309.29 106.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 351.15 106.10 Td (are ) Tj ET Q q 0 0 0 rg BT 367.46 106.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 401.54 106.10 Td (from ) Tj ET Q q 0 0 0 rg BT 425.08 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 433.62 106.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 487.71 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.14 106.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 547.56 106.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 105.94 94.10 Td (inputs. ) Tj ET Q q 0 0 0 rg BT 135.33 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 153.51 94.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 209.45 94.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 236.53 94.10 Td (are ) Tj ET Q q 0 0 0 rg BT 251.36 94.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 298.97 94.10 Td (through ) Tj ET Q q 0 0 0 rg BT 332.71 94.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 365.88 94.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 417.95 94.10 Td (that ) Tj ET Q q 0 0 0 rg BT 435.58 94.10 Td (may ) Tj ET Q q 0 0 0 rg BT 455.42 94.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 475.82 94.10 Td (from ) Tj ET Q q 0 0 0 rg BT 497.89 94.10 Td (period ) Tj ET Q q 0 0 0 rg BT 526.06 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 536.47 94.10 Td (period ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.94 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 77.22 82.10 Td (external ) Tj ET Q q 0 0 0 rg BT 111.92 82.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 144.13 82.10 Td (such ) Tj ET Q q 0 0 0 rg BT 164.96 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 175.79 82.10 Td (market ) Tj ET Q q 0 0 0 rg BT 206.05 82.10 Td (movement ) Tj ET Q q 0 0 0 rg BT 250.76 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.70 82.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 292.96 82.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 318.79 82.10 Td (adjustments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 61.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.64 61.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 121.36 61.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.36 61.10 Td (, ) Tj ET Q q 0 0 0 rg BT 146.50 61.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.35 61.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.88 61.10 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.28 61.10 Td ($68.6 ) Tj ET Q q 0 0 0 rg BT 268.42 61.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.31 61.10 Td ( ) Tj ET Q q 0 0 0 rg BT 299.95 61.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.92 61.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 353.54 61.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 393.95 61.10 Td (as ) Tj ET Q q 0 0 0 rg BT 404.92 61.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 430.32 61.10 Td (3. ) Tj ET Q q 0 0 0 rg BT 440.26 61.10 Td (These ) Tj ET Q q 0 0 0 rg BT 466.78 61.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 509.41 61.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 549.81 61.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 49.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 72.04 49.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 97.98 49.10 Td (for ) Tj ET Q q 0 0 0 rg BT 111.68 49.10 Td (various ) Tj ET Q q 0 0 0 rg BT 143.16 49.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 185.19 49.10 Td (government ) Tj ET Q q 0 0 0 rg BT 235.00 49.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 265.92 49.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 305.18 49.10 Td (located ) Tj ET Q q 0 0 0 rg BT 336.09 49.10 Td (in ) Tj ET Q q 0 0 0 rg BT 345.91 49.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.17 49.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 395.54 49.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 448.68 49.10 Td (area ) Tj ET Q q 0 0 0 rg BT 467.37 49.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.85 49.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 520.18 49.10 Td (W) Tj ET Q q 0 0 0 rg BT 529.22 49.10 Td (isconsin ) Tj ET Q endstream endobj 309 0 obj <> endobj 310 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (154) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.65 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 81.07 742.10 Td (privately ) Tj ET Q q 0 0 0 rg BT 118.83 742.10 Td (placed, ) Tj ET Q q 0 0 0 rg BT 149.64 742.10 Td (non-rated ) Tj ET Q q 0 0 0 rg BT 190.17 742.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 216.27 742.10 Td (without ) Tj ET Q q 0 0 0 rg BT 249.05 742.10 Td (CUSIP) Tj ET Q q 0 0 0 rg BT 277.02 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.23 742.10 Td (numbers. ) Tj ET Q q 0 0 0 rg BT 318.23 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 335.99 742.10 Td (Company) Tj ET Q q 0 0 0 rg BT 377.65 742.10 Td (s ) Tj ET Q q 0 0 0 rg BT 383.76 742.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 438.75 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 452.62 742.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 483.16 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.59 742.10 Td (non-rated ) Tj ET Q q 0 0 0 rg BT 538.12 742.10 Td (bonds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (focuses ) Tj ET Q q 0 0 0 rg BT 83.02 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 96.04 730.10 Td (three ) Tj ET Q q 0 0 0 rg BT 119.06 730.10 Td (distinct ) Tj ET Q q 0 0 0 rg BT 151.53 730.10 Td (inputs: ) Tj ET Q q 0 0 0 rg BT 181.78 730.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 226.46 730.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 255.31 730.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 278.33 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.80 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 319.38 730.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 350.73 730.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 378.25 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 383.66 730.10 Td (o ) Tj ET Q q 0 0 0 rg BT 391.69 730.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 434.70 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.94 730.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 476.29 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 490.98 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 498.45 730.10 Td (given ) Tj ET Q q 0 0 0 rg BT 523.69 730.10 Td (non-rated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 93.63 718.10 Td (bond, ) Tj ET Q q 0 0 0 rg BT 119.77 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.62 718.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 183.69 718.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 231.21 718.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 282.05 718.10 Td (references ) Tj ET Q q 0 0 0 rg BT 326.76 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 334.83 718.10 Td (publicly ) Tj ET Q q 0 0 0 rg BT 371.25 718.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 399.88 718.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 423.52 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 437.16 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.01 718.10 Td (same ) Tj ET Q q 0 0 0 rg BT 477.20 718.10 Td (issuer ) Tj ET Q q 0 0 0 rg BT 504.17 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 513.91 718.10 Td (available. ) Tj ET Q q 0 0 0 rg BT 555.33 718.10 Td (A) Tj ET Q q 0 0 0 rg BT 562.00 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 89.70 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 98.32 706.10 Td (then ) Tj ET Q q 0 0 0 rg BT 117.47 706.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 148.85 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 158.57 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.72 706.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 197.99 706.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 234.37 706.10 Td (from ) Tj ET Q q 0 0 0 rg BT 255.74 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.90 706.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 318.48 706.10 Td (bond, ) Tj ET Q q 0 0 0 rg BT 342.92 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 353.20 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.35 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 408.18 706.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 442.89 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 450.94 706.10 Td (liquidated, ) Tj ET Q q 0 0 0 rg BT 495.37 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 501.75 706.10 Td (non-rated ) Tj ET Q q 0 0 0 rg BT 542.00 706.10 Td (bond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (would ) Tj ET Q q 0 0 0 rg BT 77.64 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 89.71 694.10 Td (valued ) Tj ET Q q 0 0 0 rg BT 119.01 694.10 Td (less ) Tj ET Q q 0 0 0 rg BT 136.65 694.10 Td (than ) Tj ET Q q 0 0 0 rg BT 156.50 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 163.58 694.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 193.99 694.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 216.63 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 237.04 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.12 694.10 Td (verifiable ) Tj ET Q q 0 0 0 rg BT 285.07 694.10 Td (rating. ) Tj ET Q q 0 0 0 rg BT 313.34 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 331.53 694.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 371.93 694.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 404.00 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 416.64 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.49 694.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 473.02 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 482.33 694.10 Td (one ) Tj ET Q q 0 0 0 rg BT 499.40 694.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 538.69 694.10 Td (rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 74.36 682.10 Td (\(i.e. ) Tj ET Q q 0 0 0 rg BT 92.05 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 98.64 682.10 Td (AA ) Tj ET Q q 0 0 0 rg BT 124.11 682.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 149.58 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 163.39 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 169.98 682.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 218.76 682.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 240.91 682.10 Td (would ) Tj ET Q q 0 0 0 rg BT 268.06 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 279.65 682.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 313.44 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 323.37 682.10 Td (A ) Tj ET Q q 0 0 0 rg BT 341.62 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 355.42 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.79 682.10 Td (Company) Tj ET Q q 0 0 0 rg BT 411.46 682.10 Td (s ) Tj ET Q q 0 0 0 rg BT 417.50 682.10 Td (valuation\). ) Tj ET Q q 0 0 0 rg BT 462.69 682.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.16 682.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.16 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 497.81 682.10 Td (all ) Tj ET Q q 0 0 0 rg BT 509.96 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.43 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.80 682.10 Td (ratings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 82.42 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 92.64 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.29 670.10 Td (above ) Tj ET Q q 0 0 0 rg BT 133.61 670.10 Td (process ) Tj ET Q q 0 0 0 rg BT 166.04 670.10 Td (by ) Tj ET Q q 0 0 0 rg BT 178.48 670.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 225.35 670.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 271.66 670.10 Td (were ) Tj ET Q q 0 0 0 rg BT 293.53 670.10 Td ("BBB" ) Tj ET Q q 0 0 0 rg BT 324.14 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 334.91 670.10 Td (better) Tj ET Q q 0 0 0 rg BT 357.27 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 362.21 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.31 670.10 Td (both ) Tj ET Q q 0 0 0 rg BT 396.52 670.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 422.85 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 443.07 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.95 670.10 Td (without ) Tj ET Q q 0 0 0 rg BT 492.94 670.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 542.02 670.10 Td (bond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (proxies. ) Tj ET Q q 0 0 0 rg BT 84.40 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.59 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 119.12 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 143.43 658.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 199.39 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.37 658.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 253.01 658.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 279.55 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 288.87 658.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 326.52 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.95 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.81 658.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 377.79 658.10 Td (input, ) Tj ET Q q 0 0 0 rg BT 403.50 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 414.48 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 421.56 658.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 449.76 658.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 475.74 658.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 513.38 658.10 Td (results ) Tj ET Q q 0 0 0 rg BT 542.14 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 552.57 658.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 90.51 646.10 Td (valuation. ) Tj ET Q q 0 0 0 rg BT 132.77 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 151.08 646.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 194.37 646.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 225.45 646.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 252.65 646.10 Td (used ) Tj ET Q q 0 0 0 rg BT 273.74 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 284.27 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.24 646.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 321.99 646.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 361.96 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 376.92 646.10 Td (observable. ) Tj ET Q q 0 0 0 rg BT 425.49 646.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 452.68 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.44 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.41 646.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 506.49 646.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 554.22 646.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.25 634.10 Td (above ) Tj ET Q q 0 0 0 rg BT 92.16 634.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 127.69 634.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 175.16 634.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 222.07 634.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 253.99 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 261.46 634.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 321.70 634.10 Td (current ) Tj ET Q q 0 0 0 rg BT 353.05 634.10 Td (market ) Tj ET Q q 0 0 0 rg BT 383.85 634.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 406.88 634.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 432.12 634.10 Td (available ) Tj ET Q q 0 0 0 rg BT 471.25 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 482.06 634.10 Td (market ) Tj ET Q q 0 0 0 rg BT 512.86 634.10 Td (participants. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.83 622.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 101.11 622.10 Td (including ) Tj ET Q q 0 0 0 rg BT 141.94 622.10 Td (coupon, ) Tj ET Q q 0 0 0 rg BT 176.94 622.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 213.88 622.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 236.10 622.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 284.70 622.10 Td (price, ) Tj ET Q q 0 0 0 rg BT 310.25 622.10 Td (number ) Tj ET Q q 0 0 0 rg BT 343.85 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.24 622.10 Td (coupon ) Tj ET Q q 0 0 0 rg BT 387.74 622.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 429.13 622.10 Td (per ) Tj ET Q q 0 0 0 rg BT 444.96 622.10 Td (year) Tj ET Q q 0 0 0 rg BT 461.76 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 467.33 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.82 622.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 516.75 622.10 Td (method ) Tj ET Q q 0 0 0 rg BT 549.80 622.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 86.93 610.10 Td (from ) Tj ET Q q 0 0 0 rg BT 108.86 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.57 610.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 166.62 610.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 189.12 610.10 Td (term ) Tj ET Q q 0 0 0 rg BT 209.94 610.10 Td (sheets. ) Tj ET Q q 0 0 0 rg BT 239.37 610.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 271.30 610.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 313.78 610.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 340.17 610.10 Td (held ) Tj ET Q q 0 0 0 rg BT 359.88 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 372.38 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.09 610.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 428.47 610.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.18 610.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 496.76 610.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.76 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.26 610.10 Td (have ) Tj ET Q q 0 0 0 rg BT 540.63 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 547.56 610.10 Td (call ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (date ) Tj ET Q q 0 0 0 rg BT 69.55 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 87.43 598.10 Td (has ) Tj ET Q q 0 0 0 rg BT 103.65 598.10 Td (passed, ) Tj ET Q q 0 0 0 rg BT 135.70 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.03 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 168.13 598.10 Td (now ) Tj ET Q q 0 0 0 rg BT 188.24 598.10 Td (continuously ) Tj ET Q q 0 0 0 rg BT 242.80 598.10 Td (callable.) Tj ET Q q 0 0 0 rg BT 278.71 598.10 Td (When ) Tj ET Q q 0 0 0 rg BT 305.47 598.10 Td (valuing ) Tj ET Q q 0 0 0 rg BT 338.36 598.10 Td (these ) Tj ET Q q 0 0 0 rg BT 361.80 598.10 Td (bonds, ) Tj ET Q q 0 0 0 rg BT 391.08 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.19 598.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 422.95 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 447.50 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 457.06 598.10 Td (capped ) Tj ET Q q 0 0 0 rg BT 488.27 598.10 Td (at ) Tj ET Q q 0 0 0 rg BT 498.37 598.10 Td (par ) Tj ET Q q 0 0 0 rg BT 514.03 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 538.58 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 549.80 598.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 586.10 Td (assumes ) Tj ET Q q 0 0 0 rg BT 127.22 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 134.16 586.10 Td (market ) Tj ET Q q 0 0 0 rg BT 164.42 586.10 Td (participant ) Tj ET Q q 0 0 0 rg BT 209.68 586.10 Td (would ) Tj ET Q q 0 0 0 rg BT 237.18 586.10 Td (not ) Tj ET Q q 0 0 0 rg BT 252.46 586.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 269.39 586.10 Td (more ) Tj ET Q q 0 0 0 rg BT 292.44 586.10 Td (than ) Tj ET Q q 0 0 0 rg BT 312.16 586.10 Td (par ) Tj ET Q q 0 0 0 rg BT 327.43 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 341.59 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 348.53 586.10 Td (continuously ) Tj ET Q q 0 0 0 rg BT 402.69 586.10 Td (callable ) Tj ET Q q 0 0 0 rg BT 436.28 586.10 Td (bond.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 565.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.77 565.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 121.62 565.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.62 565.10 Td (, ) Tj ET Q q 0 0 0 rg BT 146.89 565.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.88 565.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 203.54 565.10 Td (held ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.52 565.10 Td ($25.2 ) Tj ET Q q 0 0 0 rg BT 248.79 565.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.69 565.10 Td ( ) Tj ET Q q 0 0 0 rg BT 280.46 565.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.56 565.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 319.32 565.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 359.85 565.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 400.39 565.10 Td (as ) Tj ET Q q 0 0 0 rg BT 411.49 565.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 437.02 565.10 Td (3. ) Tj ET Q q 0 0 0 rg BT 447.09 565.10 Td (The ) Tj ET Q q 0 0 0 rg BT 465.41 565.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 505.94 565.10 Td (in ) Tj ET Q q 0 0 0 rg BT 516.49 565.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 542.02 565.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 549.79 565.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 90.11 553.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 134.67 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 145.91 553.10 Td (auction ) Tj ET Q q 0 0 0 rg BT 178.24 553.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 196.13 553.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 235.67 553.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 278.63 553.10 Td (The ) Tj ET Q q 0 0 0 rg BT 297.08 553.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 338.86 553.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 370.65 553.10 Td (an ) Tj ET Q q 0 0 0 rg BT 382.99 553.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 434.77 553.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 465.99 553.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 496.67 553.10 Td (to ) Tj ET Q q 0 0 0 rg BT 507.35 553.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 540.80 553.10 Td (a ) Tj ET Q q 0 0 0 rg BT 548.14 553.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.86 541.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 121.16 541.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.59 541.10 Td (these ) Tj ET Q q 0 0 0 rg BT 156.23 541.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 199.36 541.10 Td (The ) Tj ET Q q 0 0 0 rg BT 218.00 541.10 Td (vendor) Tj ET Q q 0 0 0 rg BT 246.14 541.10 Td () Tj ET Q q 0 0 0 rg BT 248.92 541.10 Td (s ) Tj ET Q q 0 0 0 rg BT 255.90 541.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 296.21 541.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 352.07 541.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 388.49 541.10 Td (modeling ) Tj ET Q q 0 0 0 rg BT 429.36 541.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.67 541.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 492.18 541.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 513.04 541.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 538.36 541.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 541.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 96.18 529.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 135.68 529.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 176.30 529.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.60 529.10 Td (applying ) Tj ET Q q 0 0 0 rg BT 231.45 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.75 529.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 275.50 529.10 Td (to ) Tj ET Q q 0 0 0 rg BT 286.13 529.10 Td (these ) Tj ET Q q 0 0 0 rg BT 309.54 529.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 330.17 529.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 355.25 529.10 Td (by ) Tj ET Q q 0 0 0 rg BT 368.11 529.10 Td (a ) Tj ET Q q 0 0 0 rg BT 375.40 529.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 401.03 529.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 429.98 529.10 Td (derived ) Tj ET Q q 0 0 0 rg BT 462.83 529.10 Td (from ) Tj ET Q q 0 0 0 rg BT 485.12 529.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.20 529.10 Td (market ) Tj ET Q q 0 0 0 rg BT 530.82 529.10 Td (price ) Tj ET Q q 0 0 0 rg BT 553.67 529.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.16 517.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 103.87 517.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 149.14 517.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 170.37 517.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.32 517.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 240.35 517.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.35 517.10 Td (, ) Tj ET Q q 0 0 0 rg BT 264.79 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.95 517.10 Td (vendor ) Tj ET Q q 0 0 0 rg BT 308.67 517.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 353.93 517.10 Td (five ) Tj ET Q q 0 0 0 rg BT 371.42 517.10 Td (dif) Tj ET Q q 0 0 0 rg BT 382.35 517.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 407.61 517.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 447.31 517.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 474.81 517.10 Td (implied ) Tj ET Q q 0 0 0 rg BT 507.31 517.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 532.02 517.10 Td (spreads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.21 505.10 Td (believed ) Tj ET Q q 0 0 0 rg BT 106.86 505.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.42 505.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 148.75 505.10 Td (a ) Tj ET Q q 0 0 0 rg BT 154.97 505.10 Td (proxy ) Tj ET Q q 0 0 0 rg BT 180.08 505.10 Td (for ) Tj ET Q q 0 0 0 rg BT 193.52 505.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.52 505.10 Td (Company) Tj ET Q q 0 0 0 rg BT 249.19 505.10 Td (s ) Tj ET Q q 0 0 0 rg BT 254.86 505.10 Td (auction ) Tj ET Q q 0 0 0 rg BT 286.07 505.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 302.84 505.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 341.26 505.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 383.17 505.10 Td (The ) Tj ET Q q 0 0 0 rg BT 400.50 505.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 425.05 505.10 Td (spreads ) Tj ET Q q 0 0 0 rg BT 456.82 505.10 Td (ranged ) Tj ET Q q 0 0 0 rg BT 485.81 505.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.03 505.10 Td (1.85%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.86 505.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.19 505.10 Td (2.12%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 493.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.56 493.10 Td (an ) Tj ET Q q 0 0 0 rg BT 82.78 493.10 Td (average ) Tj ET Q q 0 0 0 rg BT 116.65 493.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.76 493.10 Td (2.01%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.59 493.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.37 493.10 Td (which ) Tj ET Q q 0 0 0 rg BT 183.59 493.10 Td (was ) Tj ET Q q 0 0 0 rg BT 201.93 493.10 Td (added ) Tj ET Q q 0 0 0 rg BT 228.59 493.10 Td (to ) Tj ET Q q 0 0 0 rg BT 239.15 493.10 Td (three-month ) Tj ET Q q 0 0 0 rg BT 290.80 493.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 323.58 493.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.14 493.10 Td (be ) Tj ET Q q 0 0 0 rg BT 346.36 493.10 Td (used ) Tj ET Q q 0 0 0 rg BT 367.48 493.10 Td (as ) Tj ET Q q 0 0 0 rg BT 378.59 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.59 493.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 430.26 493.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 448.02 493.10 Td (input ) Tj ET Q q 0 0 0 rg BT 471.36 493.10 Td (to ) Tj ET Q q 0 0 0 rg BT 481.92 493.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.92 493.10 Td (vendor) Tj ET Q q 0 0 0 rg BT 525.06 493.10 Td () Tj ET Q q 0 0 0 rg BT 527.84 493.10 Td (s ) Tj ET Q q 0 0 0 rg BT 534.51 493.10 Td (model. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 481.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 69.52 481.10 Td (value ) Tj ET Q q 0 0 0 rg BT 94.58 481.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.32 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.94 481.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 163.11 481.10 Td (is ) Tj ET Q q 0 0 0 rg BT 173.19 481.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 211.59 481.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.78 481.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.40 481.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 275.69 481.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 294.09 481.10 Td (utilized ) Tj ET Q q 0 0 0 rg BT 327.48 481.10 Td (as ) Tj ET Q q 0 0 0 rg BT 339.22 481.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.07 481.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 376.02 481.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 413.31 481.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 431.71 481.10 Td (results ) Tj ET Q q 0 0 0 rg BT 461.22 481.10 Td (in ) Tj ET Q q 0 0 0 rg BT 472.41 481.10 Td (a ) Tj ET Q q 0 0 0 rg BT 480.25 481.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 523.08 481.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.36 481.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.10 Td (measurement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 448.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.75 448.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 115.74 448.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 147.75 448.10 Td (-sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.19 448.10 Td (The ) Tj ET Q q 0 0 0 rg BT 195.05 448.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 211.25 448.10 Td (value ) Tj ET Q q 0 0 0 rg BT 235.21 448.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.86 448.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 285.94 448.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 309.36 448.10 Td (held-for) Tj ET Q q 0 0 0 rg BT 341.37 448.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 362.56 448.10 Td (is ) Tj ET Q q 0 0 0 rg BT 371.54 448.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 418.84 448.10 Td (by ) Tj ET Q q 0 0 0 rg BT 431.15 448.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 470.65 448.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.74 448.10 Td (investor ) Tj ET Q q 0 0 0 rg BT 515.27 448.10 Td (price ) Tj ET Q q 0 0 0 rg BT 537.57 448.10 Td (sheets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 436.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.88 436.10 Td (products ) Tj ET Q q 0 0 0 rg BT 120.82 436.10 Td (with ) Tj ET Q q 0 0 0 rg BT 141.09 436.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 171.37 436.10 Td (characteristics.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 91.97 415.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 131.15 415.10 Td (rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.49 415.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 183.13 415.10 Td (value ) Tj ET Q q 0 0 0 rg BT 207.31 415.10 Td (for ) Tj ET Q q 0 0 0 rg BT 221.50 415.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 261.79 415.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 300.97 415.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 326.28 415.10 Td (is ) Tj ET Q q 0 0 0 rg BT 335.48 415.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 382.99 415.10 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 418.85 415.10 Td (a ) Tj ET Q q 0 0 0 rg BT 425.81 415.10 Td (third ) Tj ET Q q 0 0 0 rg BT 447.23 415.10 Td (party ) Tj ET Q q 0 0 0 rg BT 470.30 415.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 510.04 415.10 Td (model ) Tj ET Q q 0 0 0 rg BT 537.57 415.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (stratifies ) Tj ET Q q 0 0 0 rg BT 87.55 403.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.88 403.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 142.65 403.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 168.54 403.10 Td (into ) Tj ET Q q 0 0 0 rg BT 187.22 403.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 212.00 403.10 Td (based ) Tj ET Q q 0 0 0 rg BT 237.89 403.10 Td (on ) Tj ET Q q 0 0 0 rg BT 251.00 403.10 Td (product ) Tj ET Q q 0 0 0 rg BT 284.66 403.10 Td (type ) Tj ET Q q 0 0 0 rg BT 305.00 403.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.55 403.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 355.10 403.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 375.47 403.10 Td (The ) Tj ET Q q 0 0 0 rg BT 394.14 403.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 411.13 403.10 Td (value ) Tj ET Q q 0 0 0 rg BT 435.90 403.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.34 403.10 Td (each ) Tj ET Q q 0 0 0 rg BT 468.77 403.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 508.54 403.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 534.44 403.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 555.33 403.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 92.95 391.10 Td (based ) Tj ET Q q 0 0 0 rg BT 118.14 391.10 Td (on ) Tj ET Q q 0 0 0 rg BT 130.57 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.21 391.10 Td (present ) Tj ET Q q 0 0 0 rg BT 176.51 391.10 Td (value ) Tj ET Q q 0 0 0 rg BT 200.59 391.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.35 391.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 252.09 391.10 Td (future ) Tj ET Q q 0 0 0 rg BT 278.39 391.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 298.58 391.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 323.23 391.10 Td (using ) Tj ET Q q 0 0 0 rg BT 347.32 391.10 Td (a ) Tj ET Q q 0 0 0 rg BT 354.19 391.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 390.50 391.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 407.91 391.10 Td (commensurate ) Tj ET Q q 0 0 0 rg BT 468.64 391.10 Td (with ) Tj ET Q q 0 0 0 rg BT 488.85 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.49 391.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 520.91 391.10 Td (associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 379.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.56 379.10 Td (that ) Tj ET Q q 0 0 0 rg BT 86.34 379.10 Td (pool, ) Tj ET Q q 0 0 0 rg BT 108.40 379.10 Td (given ) Tj ET Q q 0 0 0 rg BT 132.40 379.10 Td (current ) Tj ET Q q 0 0 0 rg BT 162.50 379.10 Td (market ) Tj ET Q q 0 0 0 rg BT 192.04 379.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 237.59 379.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.38 379.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 307.24 379.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.24 379.10 Td (, ) Tj ET Q q 0 0 0 rg BT 331.53 379.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.52 379.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 386.19 379.10 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.74 379.10 Td ($9.1 ) Tj ET Q q 0 0 0 rg BT 445.02 379.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.91 379.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.70 379.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.81 379.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 525.35 379.10 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 367.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 74.31 367.10 Td (as ) Tj ET Q q 0 0 0 rg BT 84.17 367.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 108.46 367.10 Td (3. ) Tj ET Q q 0 0 0 rg BT 117.38 367.10 Td (The ) Tj ET Q q 0 0 0 rg BT 134.46 367.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 172.65 367.10 Td (average ) Tj ET Q q 0 0 0 rg BT 205.26 367.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 240.68 367.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 257.20 367.10 Td (used ) Tj ET Q q 0 0 0 rg BT 277.06 367.10 Td (as ) Tj ET Q q 0 0 0 rg BT 286.92 367.10 Td (an ) Tj ET Q q 0 0 0 rg BT 297.89 367.10 Td (input ) Tj ET Q q 0 0 0 rg BT 319.97 367.10 Td (to ) Tj ET Q q 0 0 0 rg BT 329.28 367.10 Td (value ) Tj ET Q q 0 0 0 rg BT 352.47 367.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.22 367.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 385.53 367.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.39 367.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 434.68 367.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 472.87 367.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 497.18 367.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 367.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 355.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 355.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.29 355.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.12 355.10 Td (9.13%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.95 355.10 Td ( ) Tj ET Q q 0 0 0 rg BT 118.24 355.10 Td (with ) Tj ET Q q 0 0 0 rg BT 138.30 355.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 174.47 355.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 195.63 355.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 227.35 355.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 260.19 355.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.91 355.10 Td (9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.24 355.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.57 355.10 Td (13%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.90 355.10 Td (. ) Tj ET Q q 0 0 0 rg BT 321.52 355.10 Td (The ) Tj ET Q q 0 0 0 rg BT 339.35 355.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 367.18 355.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.69 355.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 398.96 355.10 Td (utilized ) Tj ET Q q 0 0 0 rg BT 431.23 355.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.29 355.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 477.47 355.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 518.07 355.10 Td (future ) Tj ET Q q 0 0 0 rg BT 544.23 355.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 78.01 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.52 343.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 119.58 343.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.09 343.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 152.26 343.10 Td (value ) Tj ET Q q 0 0 0 rg BT 177.20 343.10 Td (measurement. ) Tj ET Q q 0 0 0 rg BT 235.58 343.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 285.48 343.10 Td (, ) Tj ET Q q 0 0 0 rg BT 291.27 343.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 308.44 343.10 Td (value ) Tj ET Q q 0 0 0 rg BT 333.38 343.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 373.89 343.10 Td (include ) Tj ET Q q 0 0 0 rg BT 406.61 343.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 459.35 343.10 Td (about ) Tj ET Q q 0 0 0 rg BT 484.86 343.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 535.35 343.10 Td (speeds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 331.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.03 331.10 Td (ranged ) Tj ET Q q 0 0 0 rg BT 106.84 331.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.87 331.10 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.20 331.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.53 331.10 Td (26%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.86 331.10 Td ( ) Tj ET Q q 0 0 0 rg BT 166.46 331.10 Td (or ) Tj ET Q q 0 0 0 rg BT 177.38 331.10 Td (a ) Tj ET Q q 0 0 0 rg BT 184.41 331.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 223.66 331.10 Td (average ) Tj ET Q q 0 0 0 rg BT 257.34 331.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 307.14 331.10 Td (speed ) Tj ET Q q 0 0 0 rg BT 332.50 331.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.43 331.10 Td (1) Tj ET Q q 0 0 0 rg BT 348.06 331.10 Td (1.77%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.89 331.10 Td ( ) Tj ET Q q 0 0 0 rg BT 376.48 331.10 Td (used ) Tj ET Q q 0 0 0 rg BT 397.41 331.10 Td (as ) Tj ET Q q 0 0 0 rg BT 408.33 331.10 Td (an ) Tj ET Q q 0 0 0 rg BT 420.37 331.10 Td (input ) Tj ET Q q 0 0 0 rg BT 443.52 331.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.89 331.10 Td (value ) Tj ET Q q 0 0 0 rg BT 478.14 331.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.96 331.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 513.33 331.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.26 331.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.26 319.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 114.64 319.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.47 319.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 183.15 319.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.15 319.10 Td (. ) Tj ET Q q 0 0 0 rg BT 208.26 319.10 Td (Prepayment ) Tj ET Q q 0 0 0 rg BT 258.63 319.10 Td (speeds ) Tj ET Q q 0 0 0 rg BT 287.89 319.10 Td (are ) Tj ET Q q 0 0 0 rg BT 302.71 319.10 Td (inversely ) Tj ET Q q 0 0 0 rg BT 341.97 319.10 Td (related ) Tj ET Q q 0 0 0 rg BT 371.77 319.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.16 319.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.98 319.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 413.46 319.10 Td (value ) Tj ET Q q 0 0 0 rg BT 437.72 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.65 319.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 489.02 319.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 528.28 319.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 553.67 319.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (an ) Tj ET Q q 0 0 0 rg BT 61.94 307.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 97.19 307.10 Td (in ) Tj ET Q q 0 0 0 rg BT 107.47 307.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 157.17 307.10 Td (speeds ) Tj ET Q q 0 0 0 rg BT 186.33 307.10 Td (results ) Tj ET Q q 0 0 0 rg BT 214.94 307.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.22 307.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.16 307.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 274.07 307.10 Td (valuation.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 96.19 286.10 Td (instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.86 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 172.39 286.10 Td (Company) Tj ET Q q 0 0 0 rg BT 214.06 286.10 Td (s ) Tj ET Q q 0 0 0 rg BT 221.94 286.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 265.90 286.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 316.56 286.10 Td (include ) Tj ET Q q 0 0 0 rg BT 349.98 286.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 383.40 286.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 402.37 286.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 430.80 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 449.22 286.10 Td (caps, ) Tj ET Q q 0 0 0 rg BT 473.48 286.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 531.90 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 543.67 286.10 Td (fund ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 93.89 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 107.78 274.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 125.56 274.10 Td (into ) Tj ET Q q 0 0 0 rg BT 143.35 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.81 274.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 200.58 274.10 Td (market ) Tj ET Q q 0 0 0 rg BT 230.57 274.10 Td (\(interest ) Tj ET Q q 0 0 0 rg BT 265.57 274.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 282.79 274.10 Td (locks\), ) Tj ET Q q 0 0 0 rg BT 311.96 274.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 345.85 274.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 402.52 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.53 274.10 Td (end ) Tj ET Q q 0 0 0 rg BT 429.20 274.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 467.55 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 481.44 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.89 274.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 513.67 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.24 274.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.19 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.72 262.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 123.68 262.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 161.74 262.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 203.42 262.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 236.49 262.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 254.57 262.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 282.09 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.62 262.10 Td (caps ) Tj ET Q q 0 0 0 rg BT 320.47 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 335.77 262.10 Td (valued ) Tj ET Q q 0 0 0 rg BT 365.51 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 378.59 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.12 262.10 Td (third ) Tj ET Q q 0 0 0 rg BT 408.09 262.10 Td (party) Tj ET Q q 0 0 0 rg BT 427.99 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 433.57 262.10 Td (using ) Tj ET Q q 0 0 0 rg BT 458.33 262.10 Td (models ) Tj ET Q q 0 0 0 rg BT 490.30 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 508.38 262.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 548.68 262.10 Td (use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (market ) Tj ET Q q 0 0 0 rg BT 81.39 250.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 128.33 250.10 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 158.90 250.10 Td (such ) Tj ET Q q 0 0 0 rg BT 180.85 250.10 Td (as ) Tj ET Q q 0 0 0 rg BT 192.80 250.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 216.42 250.10 Td (curves, ) Tj ET Q q 0 0 0 rg BT 248.64 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.70 250.10 Td (are ) Tj ET Q q 0 0 0 rg BT 282.53 250.10 Td (validated ) Tj ET Q q 0 0 0 rg BT 322.81 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 336.43 250.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 386.71 250.10 Td (with ) Tj ET Q q 0 0 0 rg BT 408.11 250.10 Td (valuations ) Tj ET Q q 0 0 0 rg BT 452.84 250.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 492.01 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 505.63 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.47 250.10 Td (respective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 112.00 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 130.63 238.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 156.48 238.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 174.56 238.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 218.74 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 239.60 238.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 282.67 238.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 320.73 238.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 370.48 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 388.56 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 403.85 238.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 435.26 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.12 238.10 Td (master ) Tj ET Q q 0 0 0 rg BT 475.86 238.10 Td (netting ) Tj ET Q q 0 0 0 rg BT 506.71 238.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 555.33 238.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 90.27 226.10 Td (on ) Tj ET Q q 0 0 0 rg BT 102.22 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.61 226.10 Td (net ) Tj ET Q q 0 0 0 rg BT 122.77 226.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 144.72 226.10 Td (by ) Tj ET Q q 0 0 0 rg BT 156.67 226.10 Td (counterparty 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0 0 rg BT 214.27 214.10 Td (The ) Tj ET Q q 0 0 0 rg BT 232.64 214.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 249.35 214.10 Td (value ) Tj ET Q q 0 0 0 rg BT 273.83 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.99 214.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 316.70 214.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 354.50 214.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 401.20 214.10 Td (is ) Tj ET Q q 0 0 0 rg BT 410.70 214.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 452.96 214.10 Td (based ) Tj ET Q q 0 0 0 rg BT 478.56 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 491.39 214.10 Td (change ) Tj ET Q q 0 0 0 rg BT 522.53 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 533.14 214.10 Td (foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 87.48 202.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 108.85 202.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 134.68 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 144.96 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.67 202.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 194.38 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Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 185.10 Td (Nonqualified ) Tj ET Q q 0 0 0 rg BT 104.94 185.10 Td (deferr) Tj ET Q q 0 0 0 rg BT 129.00 185.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 141.16 185.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 199.42 185.10 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.31 185.10 Td (The ) Tj ET Q q 0 0 0 rg BT 251.57 185.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 297.61 185.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 323.66 185.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 356.91 185.10 Td (to ) Tj ET Q q 0 0 0 rg BT 367.41 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.34 185.10 Td (nonqualified ) Tj ET Q q 0 0 0 rg BT 435.60 185.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 471.62 185.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 529.87 185.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 549.80 185.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.10 Td (included ) Tj ET Q q 0 0 0 rg BT 86.39 173.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.12 173.10 Td (a ) Tj ET Q q 0 0 0 rg BT 102.52 173.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 122.25 173.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.65 173.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 177.81 173.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 207.55 173.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.83 173.10 Td (non-exchange ) Tj ET Q q 0 0 0 rg BT 275.87 173.10 Td (traded ) Tj ET Q q 0 0 0 rg BT 302.81 173.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 352.55 173.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 376.72 173.10 Td (which ) Tj ET Q q 0 0 0 rg BT 403.12 173.10 Td (are ) Tj ET Q q 0 0 0 rg BT 417.28 173.10 Td (priced ) Tj ET Q q 0 0 0 rg BT 444.22 173.10 Td (based ) Tj ET Q q 0 0 0 rg BT 468.95 173.10 Td (by ) Tj ET Q q 0 0 0 rg BT 480.90 173.10 Td (an ) Tj ET Q q 0 0 0 rg BT 492.29 173.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 543.12 173.10 Td (third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 161.10 Td (party ) Tj ET Q q 0 0 0 rg BT 73.05 161.10 Td (service.) 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742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 391.47 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 416.62 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 430.12 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 438.06 742.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 478.20 742.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 501.70 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 516.85 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.57 742.10 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (presented:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 719.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 684.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 684.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 684.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 684.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 684.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 684.80 4.00 -14.00 re f /GS0 gs 0.8 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0.9333333333333333 1 rg /GS0 gs 356.50 396.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 396.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 396.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 396.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 396.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 368.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 368.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 368.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 368.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 368.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 368.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 368.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 368.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 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352.50 312.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 312.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 312.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 312.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 312.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 312.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 284.80 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 284.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 284.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 284.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 284.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 284.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 284.80 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 284.80 4.00 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m 492.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 708.8 m 496.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 696.8 m 496.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 708.8 m 562.5 708.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 696.8 m 562.5 696.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 684.8 m 282.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 684.8 m 286.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 684.8 m 352.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 684.8 m 356.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 684.8 m 422.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 684.8 m 426.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 684.8 m 492.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 684.8 m 496.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 684.8 m 562.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 516.8 m 352.5 516.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 516.8 m 356.5 516.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 516.8 m 422.5 516.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 516.8 m 426.5 516.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 516.8 m 492.5 516.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 516.8 m 496.5 516.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 516.8 m 562.5 516.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 488.79999999999995 m 282.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 502.79999999999995 m 352.5 502.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 488.79999999999995 m 352.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 502.79999999999995 m 356.5 502.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 502.79999999999995 m 422.5 502.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 488.79999999999995 m 422.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 502.79999999999995 m 426.5 502.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 502.79999999999995 m 492.5 502.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 488.79999999999995 m 492.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 502.79999999999995 m 496.5 502.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 502.79999999999995 m 562.5 502.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 488.79999999999995 m 562.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 488.79999999999995 m 286.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 488.79999999999995 m 352.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 488.79999999999995 m 356.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 488.79999999999995 m 422.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 488.79999999999995 m 426.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 488.79999999999995 m 492.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 488.79999999999995 m 496.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 488.79999999999995 m 562.5 488.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 464.79999999999995 m 352.5 464.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 464.79999999999995 m 356.5 464.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 464.79999999999995 m 422.5 464.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 464.79999999999995 m 426.5 464.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 464.79999999999995 m 492.5 464.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 464.79999999999995 m 496.5 464.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 464.79999999999995 m 562.5 464.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 452.79999999999995 m 282.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 452.79999999999995 m 286.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 452.79999999999995 m 352.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 452.79999999999995 m 356.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 452.79999999999995 m 422.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 452.79999999999995 m 426.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 452.79999999999995 m 492.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 452.79999999999995 m 496.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 452.79999999999995 m 562.5 452.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 284.79999999999995 m 352.5 284.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 284.79999999999995 m 356.5 284.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 284.79999999999995 m 422.5 284.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 284.79999999999995 m 426.5 284.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 284.79999999999995 m 492.5 284.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 284.79999999999995 m 496.5 284.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 284.79999999999995 m 562.5 284.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 270.79999999999995 m 352.5 270.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 270.79999999999995 m 356.5 270.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 270.79999999999995 m 422.5 270.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 270.79999999999995 m 426.5 270.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 270.79999999999995 m 492.5 270.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 270.79999999999995 m 496.5 270.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 270.79999999999995 m 562.5 270.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 256.79999999999995 m 282.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 256.79999999999995 m 286.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 256.79999999999995 m 352.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 256.79999999999995 m 356.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 256.79999999999995 m 422.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 256.79999999999995 m 426.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 256.79999999999995 m 492.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 256.79999999999995 m 496.5 256.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 256.79999999999995 m 562.5 256.79999999999995 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 700.75 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.75 700.88 Td (December 31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 688.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.25 688.88 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 376.65 688.88 Td (Level1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.65 688.88 Td (Level 2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 516.65 688.88 Td (Level 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 675.37 Td (Available-for-sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 661.37 Td (U.S. Treasury) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.00 661.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.15 661.48 Td (306,729) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.00 661.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 661.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 661.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 661.48 Td (306,729) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.00 661.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 661.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 647.37 Td (U.S. Government agencies) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 647.48 Td (70,236) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 647.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 647.48 Td (70,236) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 647.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 633.37 Td (Municipal) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.15 633.48 Td (108,595) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 633.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 633.48 Td (39,982) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 633.48 Td (68,613) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 619.37 Td (Corporate notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 619.48 Td (81,545) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 619.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 619.48 Td (81,545) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 619.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 605.37 Td (Mortgage-backed) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.65 605.48 Td (1,092,597) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 605.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.65 605.48 Td (1,092,597) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 605.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 591.37 Td (Equity securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 591.48 Td (56,686) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 591.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 591.48 Td (31,487) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 591.48 Td (25,199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 577.37 Td (Trading account securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 333.65 577.48 Td (448) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 577.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 473.65 577.48 Td (448) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 577.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 563.37 Td (Mortgage loans held-for-sale) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.15 563.48 Td (388,038) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 563.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 456.15 563.48 Td (388,038) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 563.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 549.37 Td (Mortgage servicing rights) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.15 549.48 Td (9,092) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 549.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 549.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 536.15 549.48 Td (9,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 535.37 Td (Nonqualified deferred compensations assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 326.15 535.48 Td (8,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 535.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 466.15 535.48 Td (8,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 535.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 521.37 Td (Derivative assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 521.48 Td (51,298) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 521.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 521.48 Td (51,298) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 521.48 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 507.37 Td (Total) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.00 507.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.65 507.48 Td (2,173,781) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.00 507.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 507.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 507.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 448.65 507.48 Td (2,070,877) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.00 507.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.15 507.48 Td (102,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 493.37 Td (Derivative liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.00 493.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 321.15 493.48 Td (45,019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 359.00 493.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 493.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 429.00 493.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 461.15 493.48 Td (45,019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 499.00 493.48 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 548.65 493.48 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 468.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.55 468.75 Td (December 31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 456.75 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.25 456.88 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 376.65 456.88 Td (Level1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.65 456.88 Td (Level 2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 516.65 456.88 Td (Level 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 443.37 Td (Available-for-sale securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 429.37 Td (U.S. Treasury) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 429.37 Td (381,805) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 429.37 Td (381,805) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 429.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 429.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 415.37 Td (U.S. Government agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 415.37 Td (668,316) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 415.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 415.37 Td (668,316) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 415.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 401.37 Td (Municipal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 401.37 Td (238,529) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 401.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 401.37 Td (179,576) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 401.37 Td (58,953) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 387.37 Td (Corporate notes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 387.37 Td (133,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 387.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 387.37 Td (133,579) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 387.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 373.37 Td (Mortgage-backed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 373.37 Td (318,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 373.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 373.37 Td (318,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 373.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 359.37 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 359.37 Td (51,139) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 359.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 359.37 Td (27,428) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 359.37 Td (23,711) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 345.37 Td (Trading account securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 345.37 Td (1,206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 345.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 345.37 Td (1,206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 345.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 331.37 Td (Mortgage loans held-for-sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 331.37 Td (351,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 331.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 331.37 Td (351,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 331.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 317.37 Td (Mortgage servicing rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 317.37 Td (8,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 317.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 317.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 317.37 Td (8,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 303.37 Td (Nonqualified deferred compensations assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 303.37 Td (7,951) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 303.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.15 303.37 Td (7,951) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 303.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 289.37 Td (Derivative assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 289.37 Td (47,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 289.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 289.37 Td (47,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 289.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 275.37 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 275.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.65 275.37 Td (2,208,924) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 275.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 275.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 275.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.65 275.37 Td (2,117,825) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 275.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 275.37 Td (91,099) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 261.37 Td (Derivative liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 261.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 261.37 Td (41,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 261.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 261.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 261.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 261.37 Td (41,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 261.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 261.37 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.15 236.30 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 109.61 236.30 Td (remaining ) Tj ET Q q 0 0 0 rg BT 152.76 236.30 Td (contractual ) Tj ET Q q 0 0 0 rg BT 199.78 236.30 Td (principal ) Tj ET Q q 0 0 0 rg BT 237.92 236.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 271.06 236.30 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 320.33 236.30 Td (as ) Tj ET Q q 0 0 0 rg BT 331.26 236.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.19 236.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 400.88 236.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.88 236.30 Td ( ) Tj ET Q q 0 0 0 rg BT 423.48 236.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.52 236.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.52 236.30 Td ( ) Tj ET Q q 0 0 0 rg BT 463.13 236.30 Td (for ) Tj ET Q q 0 0 0 rg BT 477.39 236.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 517.75 236.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 541.46 236.30 Td (held- ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.30 Td (for) Tj ET Q q 0 0 0 rg BT 61.46 224.30 Td (-sale ) Tj ET Q q 0 0 0 rg BT 82.42 224.30 Td (measured ) Tj ET Q q 0 0 0 rg BT 122.82 224.30 Td (at ) Tj ET Q q 0 0 0 rg BT 132.12 224.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 148.08 224.30 Td (value ) Tj ET Q q 0 0 0 rg BT 171.82 224.30 Td (under ) Tj ET Q q 0 0 0 rg BT 196.21 224.30 Td (ASC ) Tj ET Q q 0 0 0 rg BT 217.75 224.30 Td (825 ) Tj ET Q q 0 0 0 rg BT 234.83 224.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.47 224.30 Td ($372.0 ) Tj ET Q q 0 0 0 rg BT 282.05 224.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.95 224.30 Td ( ) Tj ET Q q 0 0 0 rg BT 313.03 224.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.55 224.30 Td ($327.1 ) Tj ET Q q 0 0 0 rg BT 359.14 224.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.03 224.30 Td (, ) Tj ET Q q 0 0 0 rg BT 392.61 224.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 440.27 224.30 Td (, ) Tj ET Q q 0 0 0 rg BT 444.86 224.30 Td (while ) Tj ET Q q 0 0 0 rg BT 469.16 224.30 Td (the ) Tj ET Q q 0 0 0 rg BT 483.46 224.30 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 524.41 224.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.37 224.30 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.30 Td (of ) Tj ET Q q 0 0 0 rg BT 60.53 212.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 100.49 212.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 123.79 212.30 Td (held-for) Tj ET Q q 0 0 0 rg BT 155.80 212.30 Td (-sale ) Tj ET Q q 0 0 0 rg BT 176.88 212.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.62 212.30 Td ($388.0 ) Tj ET Q q 0 0 0 rg BT 224.32 212.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.21 212.30 Td ( ) Tj ET Q q 0 0 0 rg BT 255.41 212.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.05 212.30 Td ($351.3 ) Tj ET Q q 0 0 0 rg BT 301.74 212.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.63 212.30 Td (, ) Tj ET Q q 0 0 0 rg BT 335.33 212.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 382.99 212.30 Td (, ) Tj ET Q q 0 0 0 rg BT 387.69 212.30 Td (as ) Tj ET Q q 0 0 0 rg BT 398.22 212.30 Td (shown ) Tj ET Q q 0 0 0 rg BT 426.53 212.30 Td (in ) Tj ET Q q 0 0 0 rg BT 436.50 212.30 Td (the ) Tj ET Q q 0 0 0 rg BT 450.92 212.30 Td (above ) Tj ET Q q 0 0 0 rg BT 476.99 212.30 Td (tables. ) Tj ET Q q 0 0 0 rg BT 504.86 212.30 Td (There ) Tj ET Q q 0 0 0 rg BT 530.37 212.30 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.99 212.30 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.99 212.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.30 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 96.33 200.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.90 200.30 Td (or ) Tj ET Q q 0 0 0 rg BT 130.70 200.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 154.27 200.30 Td (past ) Tj ET Q q 0 0 0 rg BT 172.84 200.30 Td (due ) Tj ET Q q 0 0 0 rg BT 189.75 200.30 Td (greater ) Tj ET Q q 0 0 0 rg BT 219.96 200.30 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.65 200.30 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.65 200.30 Td ( ) Tj ET Q q 0 0 0 rg BT 252.11 200.30 Td (days ) Tj ET Q q 0 0 0 rg BT 272.91 200.30 Td (and ) Tj ET Q q 0 0 0 rg BT 289.81 200.30 Td (still ) Tj ET Q q 0 0 0 rg BT 307.28 200.30 Td (accruing ) Tj ET Q q 0 0 0 rg BT 344.17 200.30 Td (in ) Tj ET Q q 0 0 0 rg BT 354.41 200.30 Td (the ) Tj ET Q q 0 0 0 rg BT 369.09 200.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 409.32 200.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 432.89 200.30 Td (held-for) Tj ET Q q 0 0 0 rg BT 464.90 200.30 Td (-sale ) Tj ET Q q 0 0 0 rg BT 486.24 200.30 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 523.70 200.30 Td (measured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.30 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 188.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 76.09 188.30 Td (value ) Tj ET Q q 0 0 0 rg BT 100.25 188.30 Td (as ) Tj ET Q q 0 0 0 rg BT 111.08 188.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.91 188.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 180.49 188.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.49 188.30 Td ( ) Tj ET Q q 0 0 0 rg BT 202.99 188.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.93 188.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.93 188.30 Td (.) 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0 d 0 J 0 j 3 M 483.5 448.79999999999995 m 487.5 448.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 420.79999999999995 m 487.5 420.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 448.79999999999995 m 562.5 448.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 420.79999999999995 m 562.5 420.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 291.79999999999995 m 404.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 291.79999999999995 m 408.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 291.79999999999995 m 483.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 291.79999999999995 m 487.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 291.79999999999995 m 562.5 291.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 278.79999999999995 m 329.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 278.79999999999995 m 404.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 404.5 278.79999999999995 m 408.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 278.79999999999995 m 483.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483.5 278.79999999999995 m 487.5 278.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 278.79999999999995 m 562.5 278.79999999999995 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 425.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.90 425.03 Td (Municipal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 416.90 425.03 Td (Equity securities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 506.80 433.03 Td ( Mortgage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 498.15 425.03 Td (servicing rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 411.37 Td (Balance at January1, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.00 411.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.15 411.37 Td (36,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.00 411.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 411.37 Td (22,163) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 411.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 411.37 Td (8,946) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.50 397.37 Td (Total net \(losses\) gains included in:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.00 396.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.00 396.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 396.47 Td () Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 89.00 389.30 48.87 -9.09 re f /GS0 gs q 0 0 0 rg BT 89.00 382.37 Td (Net income ) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 137.87 393.83 7.58 -9.09 re f /GS0 gs BT /F1 6.50 Tf ET q 0 0 0 rg BT 137.87 386.90 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 382.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 382.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 382.42 Td (\(1,214) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 382.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.00 368.37 Td (Other comprehensive income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.65 367.47 Td (202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 367.47 Td (1,548) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 367.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 353.37 Td (Purchases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.15 353.37 Td (27,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 353.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 353.37 Td (703) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 339.37 Td (Issuances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 339.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 339.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 339.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 325.37 Td (Sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.65 325.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 325.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 325.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 311.37 Td (Settlements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.80 311.42 Td (\(13,954) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 311.37 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 311.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 311.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 297.37 Td (Net transfers into/\(out of\) of Level 3 ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 201.56 301.90 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.15 296.47 Td (8,882) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.65 296.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 296.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 282.37 Td (Balance at December31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.00 282.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.15 282.37 Td (58,953) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.00 282.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.15 282.37 Td (23,711) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.00 282.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 282.37 Td (8,435) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 267.30 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 267.30 Td (Changes ) Tj ET Q q 0 0 0 rg BT 118.06 267.30 Td (in ) Tj ET Q q 0 0 0 rg BT 128.45 267.30 Td (the ) Tj ET Q q 0 0 0 rg BT 143.27 267.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 177.54 267.30 Td (of ) Tj ET Q q 0 0 0 rg BT 187.93 267.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 228.87 267.30 Td (servicing ) Tj ET Q q 0 0 0 rg BT 268.13 267.30 Td (rights ) Tj ET Q q 0 0 0 rg BT 294.08 267.30 Td (ar) Tj ET Q q 0 0 0 rg BT 302.60 267.30 Td (e ) Tj ET Q q 0 0 0 rg BT 309.65 267.30 Td (r) Tj ET Q q 0 0 0 rg BT 313.17 267.30 Td (ecor) Tj ET Q q 0 0 0 rg BT 330.57 267.30 Td (ded ) Tj ET Q q 0 0 0 rg BT 347.62 267.30 Td (as ) Tj ET Q q 0 0 0 rg BT 359.12 267.30 Td (a ) Tj ET Q q 0 0 0 rg BT 366.73 267.30 Td (component ) Tj ET Q q 0 0 0 rg BT 413.22 267.30 Td (of ) Tj ET Q q 0 0 0 rg BT 423.60 267.30 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 464.54 267.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 499.37 267.30 Td (r) Tj ET Q q 0 0 0 rg BT 502.89 267.30 Td (evenue ) Tj ET Q q 0 0 0 rg BT 533.26 267.30 Td (in ) Tj ET Q q 0 0 0 rg BT 543.64 267.30 Td (non-) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 255.30 Td (inter) Tj ET Q q 0 0 0 rg BT 98.97 255.30 Td (est ) Tj ET Q q 0 0 0 rg BT 112.57 255.30 Td (income. ) Tj ET Q q 0 0 0 rg BT 146.45 255.30 Td ( ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 243.30 Td (\(2\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 243.30 Td (T) Tj ET Q q 0 0 0 rg BT 85.46 243.30 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 120.74 243.30 Td (into ) Tj ET Q q 0 0 0 rg BT 138.80 243.30 Td (Level ) Tj ET Q q 0 0 0 rg BT 162.95 243.30 Td (3 ) Tj ET Q q 0 0 0 rg BT 170.45 243.30 Td (r) Tj ET Q q 0 0 0 rg BT 173.98 243.30 Td (elate ) Tj ET Q q 0 0 0 rg BT 195.91 243.30 Td (to ) Tj ET Q q 0 0 0 rg BT 206.19 243.30 Td (a ) Tj ET Q q 0 0 0 rg BT 213.69 243.30 Td (r) Tj ET Q q 0 0 0 rg BT 217.21 243.30 Td (eclassification ) Tj ET Q q 0 0 0 rg BT 277.48 243.30 Td (of ) Tj ET Q q 0 0 0 rg BT 287.75 243.30 Td (municipal ) Tj ET Q q 0 0 0 rg BT 330.25 243.30 Td (bonds ) Tj ET Q q 0 0 0 rg BT 356.64 243.30 Td (in ) Tj ET Q q 0 0 0 rg BT 366.92 243.30 Td (the ) Tj ET Q q 0 0 0 rg BT 381.64 243.30 Td (thir) Tj ET Q q 0 0 0 rg BT 395.71 243.30 Td (d ) Tj ET Q q 0 0 0 rg BT 403.21 243.30 Td (quarter ) Tj ET Q q 0 0 0 rg BT 435.71 243.30 Td (of ) Tj ET Q q 0 0 0 rg BT 445.99 243.30 Td (2014.) Tj ET Q endstream endobj 315 0 obj <> endobj 316 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (157) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Also, ) Tj ET Q q 0 0 0 rg BT 74.05 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.92 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 130.46 742.10 Td (may ) Tj ET Q q 0 0 0 rg BT 150.34 742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 162.43 742.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 200.90 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 223.00 742.10 Td (time ) Tj ET Q q 0 0 0 rg BT 243.43 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.86 742.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 276.79 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.23 742.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 323.20 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 353.06 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 376.26 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 413.90 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 439.88 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 449.76 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 466.29 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 490.60 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 503.26 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 510.35 742.10 Td (nonrecurring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.27 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 82.31 730.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 129.54 730.10 Td (with ) Tj ET Q q 0 0 0 rg BT 149.59 730.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 175.70 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 180.31 730.10 Td (These ) Tj ET Q q 0 0 0 rg BT 206.45 730.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 256.49 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.54 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 282.68 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 306.60 730.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 337.76 730.10 Td (result ) Tj ET Q q 0 0 0 rg BT 362.24 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 383.95 730.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 432.31 730.10 Td (char) Tj ET Q q 0 0 0 rg BT 449.34 730.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 464.94 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 477.20 730.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 520.02 730.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 548.12 730.10 Td (For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.42 718.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 115.83 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 125.14 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 141.11 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 164.86 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 176.96 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 183.49 718.10 Td (nonrecurring ) Tj ET Q q 0 0 0 rg BT 237.23 718.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 259.32 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 276.41 718.10 Td (were ) Tj ET Q q 0 0 0 rg BT 297.93 718.10 Td (still ) Tj ET Q q 0 0 0 rg BT 315.03 718.10 Td (held ) Tj ET Q q 0 0 0 rg BT 334.34 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 344.21 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.53 718.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 391.15 718.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 413.79 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 423.10 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.41 718.10 Td (end ) Tj ET Q q 0 0 0 rg BT 453.95 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.37 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.68 718.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 508.82 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 718.10 Td (following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (table ) Tj ET Q q 0 0 0 rg BT 71.93 706.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 108.87 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.59 706.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 159.40 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 183.56 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.39 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.11 706.10 Td (related ) Tj ET Q q 0 0 0 rg BT 238.81 706.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 281.86 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 307.69 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 318.52 706.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 359.91 706.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.62 706.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 428.21 706.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.21 706.10 Td (.) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 695.30 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 625.80 192.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 625.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.50 625.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 625.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 625.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 625.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 625.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 625.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 625.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 625.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 625.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 586.80 192.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 586.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.50 586.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.50 586.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 310.50 586.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.50 586.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.50 586.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 586.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 586.80 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 586.80 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 586.80 60.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 684.8 m 242.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 684.8 m 246.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 684.8 m 306.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 640.8 m 306.5 640.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 684.8 m 310.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 640.8 m 310.5 640.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 684.8 m 370.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 640.8 m 370.5 640.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 684.8 m 374.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 640.8 m 374.5 640.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 684.8 m 434.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 640.8 m 434.5 640.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 684.8 m 438.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 640.8 m 438.5 640.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 684.8 m 498.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 640.8 m 498.5 640.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 684.8 m 502.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 684.8 m 562.5 684.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 625.8 m 242.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 625.8 m 246.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 625.8 m 306.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 625.8 m 310.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 625.8 m 370.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 625.8 m 374.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 625.8 m 434.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 625.8 m 438.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 625.8 m 498.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 625.8 m 502.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 625.8 m 562.5 625.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 572.8 m 242.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 242.5 572.8 m 246.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 586.8 m 306.5 586.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 246.5 572.8 m 306.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306.5 572.8 m 310.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 586.8 m 370.5 586.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 310.5 572.8 m 370.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370.5 572.8 m 374.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 586.8 m 434.5 586.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374.5 572.8 m 434.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 572.8 m 438.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 586.8 m 498.5 586.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 572.8 m 498.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 572.8 m 502.5 572.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 586.8 m 562.5 586.8 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 572.8 m 562.5 572.8 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 645.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.75 645.03 Td (December 31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 505.95 676.88 Td (T) Tj ET Q q 0 0 0 rg BT 510.69 676.88 Td (welveMonths) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.85 668.88 Td (Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.75 660.88 Td (December) Tj ET Q q 0 0 0 rg BT 543.25 660.88 Td ( 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.00 652.88 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.15 644.88 Td (Fair) Tj ET Q q 0 0 0 rg BT 528.67 644.88 Td ( ) Tj ET Q q 0 0 0 rg BT 530.52 644.88 Td (V) Tj ET Q q 0 0 0 rg BT 535.56 644.88 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.85 636.88 Td (Losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 505.10 628.88 Td (Recognized, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 630.05 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 267.25 630.03 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.65 630.03 Td (Level1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.65 630.03 Td (Level 2) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 455.65 630.03 Td (Level 3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 616.37 Td (Impaired loans-collateral based) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 616.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.15 616.37 Td (65,626) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 616.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 616.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 616.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 616.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 616.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 616.37 Td (65,626) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 616.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 616.37 Td (14,571) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 602.37 Td (Other real estate owned, including covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 592.37 Td (other real estate owned ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 147.96 596.90 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.15 591.47 Td (65,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 591.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 591.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 591.47 Td (65,328) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 591.47 Td (7,154) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 577.53 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 577.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.15 577.37 Td (130,954) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.00 577.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 577.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.00 577.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 577.37 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.00 577.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 577.37 Td (130,954) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 577.37 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 577.37 Td (21,725) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 561.30 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 561.30 Td (Fair ) Tj ET Q q 0 0 0 rg BT 101.33 561.30 Td (value ) Tj ET Q q 0 0 0 rg BT 126.09 561.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 153.08 561.30 Td (r) Tj ET Q q 0 0 0 rg BT 156.60 561.30 Td (ecognized, ) Tj ET Q q 0 0 0 rg BT 202.19 561.30 Td (net ) Tj ET Q q 0 0 0 rg BT 217.51 561.30 Td (on ) Tj ET Q q 0 0 0 rg BT 230.62 561.30 Td (other ) Tj ET Q q 0 0 0 rg BT 254.83 561.30 Td (r) Tj ET Q q 0 0 0 rg BT 258.35 561.30 Td (eal ) Tj ET Q q 0 0 0 rg BT 273.67 561.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 300.10 561.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 329.31 561.30 Td (include ) Tj ET Q q 0 0 0 rg BT 361.84 561.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 402.72 561.30 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 453.60 561.30 Td (and ) Tj ET Q q 0 0 0 rg BT 471.70 561.30 Td (char) Tj ET Q q 0 0 0 rg BT 489.66 561.30 Td (ge-offs ) Tj ET Q q 0 0 0 rg BT 519.98 561.30 Td (during ) Tj ET Q q 0 0 0 rg BT 549.76 561.30 Td (the ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 549.30 Td (r) Tj ET Q q 0 0 0 rg BT 83.97 549.30 Td (espective ) Tj ET Q q 0 0 0 rg BT 123.11 549.30 Td (period.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 528.30 Td (Impair) Tj ET Q q 0 0 0 rg BT 76.85 528.30 Td (ed ) Tj ET Q q 0 0 0 rg BT 87.75 528.30 Td (loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.42 528.30 Td (A) Tj ET Q q 0 0 0 rg BT 126.09 528.30 Td ( ) Tj ET Q q 0 0 0 rg BT 127.55 528.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 146.22 528.30 Td (is ) Tj ET Q q 0 0 0 rg BT 154.35 528.30 Td (considered ) Tj ET Q q 0 0 0 rg BT 199.13 528.30 Td (to ) Tj ET Q q 0 0 0 rg BT 208.36 528.30 Td (be ) Tj ET Q q 0 0 0 rg BT 219.26 528.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 256.26 528.30 Td (when, ) Tj ET Q q 0 0 0 rg BT 281.88 528.30 Td (based ) Tj ET Q q 0 0 0 rg BT 306.11 528.30 Td (on ) Tj ET Q q 0 0 0 rg BT 317.57 528.30 Td (current ) Tj ET Q q 0 0 0 rg BT 347.34 528.30 Td (information ) Tj ET Q q 0 0 0 rg BT 396.01 528.30 Td (and ) Tj ET Q q 0 0 0 rg BT 411.91 528.30 Td (events, ) Tj ET Q q 0 0 0 rg BT 441.42 528.30 Td (it ) Tj ET Q q 0 0 0 rg BT 448.43 528.30 Td (is ) Tj ET Q q 0 0 0 rg BT 456.56 528.30 Td (probable ) Tj ET Q q 0 0 0 rg BT 493.00 528.30 Td (that ) Tj ET Q q 0 0 0 rg BT 509.46 528.30 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 528.30 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 516.30 Td (will ) Tj ET Q q 0 0 0 rg BT 67.93 516.30 Td (be ) Tj ET Q q 0 0 0 rg BT 79.75 516.30 Td (unable ) Tj ET Q q 0 0 0 rg BT 108.78 516.30 Td (to ) Tj ET Q q 0 0 0 rg BT 118.93 516.30 Td (collect ) Tj ET Q q 0 0 0 rg BT 147.96 516.30 Td (all ) Tj ET Q q 0 0 0 rg BT 160.33 516.30 Td (amounts ) Tj ET Q q 0 0 0 rg BT 196.59 516.30 Td (due ) Tj ET Q q 0 0 0 rg BT 213.40 516.30 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 250.22 516.30 Td (to ) Tj ET Q q 0 0 0 rg BT 260.37 516.30 Td (the ) Tj ET Q q 0 0 0 rg BT 274.96 516.30 Td (contractual ) Tj ET Q q 0 0 0 rg BT 321.76 516.30 Td (terms ) Tj ET Q q 0 0 0 rg BT 346.35 516.30 Td (of ) Tj ET Q q 0 0 0 rg BT 357.06 516.30 Td (the ) Tj ET Q q 0 0 0 rg BT 371.65 516.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 391.24 516.30 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 437.23 516.30 Td (A) Tj ET Q q 0 0 0 rg BT 443.90 516.30 Td ( ) Tj ET Q q 0 0 0 rg BT 446.28 516.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 465.87 516.30 Td (modified ) Tj ET Q q 0 0 0 rg BT 504.35 516.30 Td (in ) Tj ET Q q 0 0 0 rg BT 514.50 516.30 Td (a ) Tj ET Q q 0 0 0 rg BT 521.14 516.30 Td (TDR ) Tj ET Q q 0 0 0 rg BT 543.52 516.30 Td (is ) Tj ET Q q 0 0 0 rg BT 552.57 516.30 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 504.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 87.59 504.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 106.86 504.30 Td (according ) Tj ET Q q 0 0 0 rg BT 148.33 504.30 Td (to ) Tj ET Q q 0 0 0 rg BT 158.16 504.30 Td (applicable ) Tj ET Q q 0 0 0 rg BT 201.30 504.30 Td (accounting ) Tj ET Q q 0 0 0 rg BT 247.23 504.30 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 287.87 504.30 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 336.57 504.30 Td (is ) Tj ET Q q 0 0 0 rg BT 345.29 504.30 Td (measured ) Tj ET Q q 0 0 0 rg BT 385.66 504.30 Td (by ) Tj ET Q q 0 0 0 rg BT 397.71 504.30 Td (estimating ) Tj ET Q q 0 0 0 rg BT 441.42 504.30 Td (the ) Tj ET Q q 0 0 0 rg BT 455.69 504.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 471.62 504.30 Td (value ) Tj ET Q q 0 0 0 rg BT 495.32 504.30 Td (of ) Tj ET Q q 0 0 0 rg BT 505.70 504.30 Td (the ) Tj ET Q q 0 0 0 rg BT 519.97 504.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 539.24 504.30 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 492.30 Td (on ) Tj ET Q q 0 0 0 rg BT 62.59 492.30 Td (the ) Tj ET Q q 0 0 0 rg BT 77.39 492.30 Td (present ) Tj ET Q q 0 0 0 rg BT 108.86 492.30 Td (value ) Tj ET Q q 0 0 0 rg BT 133.10 492.30 Td (of ) Tj ET Q q 0 0 0 rg BT 144.02 492.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 182.14 492.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 202.50 492.30 Td (flows, ) Tj ET Q q 0 0 0 rg BT 229.80 492.30 Td (the ) Tj ET Q q 0 0 0 rg BT 244.61 492.30 Td (market ) Tj ET Q q 0 0 0 rg BT 274.96 492.30 Td (price ) Tj ET Q q 0 0 0 rg BT 297.53 492.30 Td (of ) Tj ET Q q 0 0 0 rg BT 308.45 492.30 Td (the ) Tj ET Q q 0 0 0 rg BT 323.26 492.30 Td (loan, ) Tj ET Q q 0 0 0 rg BT 345.56 492.30 Td (or ) Tj ET Q q 0 0 0 rg BT 356.48 492.30 Td (the ) Tj ET Q q 0 0 0 rg BT 371.28 492.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 387.75 492.30 Td (value ) Tj ET Q q 0 0 0 rg BT 411.99 492.30 Td (of ) Tj ET Q q 0 0 0 rg BT 422.91 492.30 Td (the ) Tj ET Q q 0 0 0 rg BT 437.71 492.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 483.63 492.30 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 525.91 492.30 Td (Impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 480.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.61 480.30 Td (are ) Tj ET Q q 0 0 0 rg BT 88.32 480.30 Td (considered ) Tj ET Q q 0 0 0 rg BT 134.13 480.30 Td (a ) Tj ET Q q 0 0 0 rg BT 141.07 480.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 157.45 480.30 Td (value ) Tj ET Q q 0 0 0 rg BT 181.60 480.30 Td (measurement ) Tj ET Q q 0 0 0 rg BT 237.41 480.30 Td (where ) Tj ET Q q 0 0 0 rg BT 264.34 480.30 Td (an ) Tj ET Q q 0 0 0 rg BT 276.28 480.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 319.31 480.30 Td (is ) Tj ET Q q 0 0 0 rg BT 328.48 480.30 Td (established ) Tj ET Q q 0 0 0 rg BT 375.42 480.30 Td (based ) Tj ET Q q 0 0 0 rg BT 400.68 480.30 Td (on ) Tj ET Q q 0 0 0 rg BT 413.18 480.30 Td (the ) Tj ET Q q 0 0 0 rg BT 427.90 480.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 444.28 480.30 Td (value ) Tj ET Q q 0 0 0 rg BT 468.43 480.30 Td (of ) Tj ET Q q 0 0 0 rg BT 479.26 480.30 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 520.91 480.30 Td (Appraised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 468.30 Td (values, ) Tj ET Q q 0 0 0 rg BT 80.93 468.30 Td (which ) Tj ET Q q 0 0 0 rg BT 108.26 468.30 Td (may ) Tj ET Q q 0 0 0 rg BT 128.36 468.30 Td (require ) Tj ET Q q 0 0 0 rg BT 159.57 468.30 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 210.23 468.30 Td (to ) Tj ET Q q 0 0 0 rg BT 220.89 468.30 Td (market-based ) Tj ET Q q 0 0 0 rg BT 277.64 468.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 317.74 468.30 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 347.58 468.30 Td (are ) Tj ET Q q 0 0 0 rg BT 362.67 468.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 402.76 468.30 Td (used ) Tj ET Q q 0 0 0 rg BT 423.98 468.30 Td (on ) Tj ET Q q 0 0 0 rg BT 436.86 468.30 Td (real ) Tj ET Q q 0 0 0 rg BT 454.74 468.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 480.39 468.30 Td (collateral-dependent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 456.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 88.04 456.30 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 435.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.69 435.30 Td (Company) Tj ET Q q 0 0 0 rg BT 109.35 435.30 Td (s ) Tj ET Q q 0 0 0 rg BT 115.38 435.30 Td (Managed ) Tj ET Q q 0 0 0 rg BT 154.25 435.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 182.51 435.30 Td (Division ) Tj ET Q q 0 0 0 rg BT 219.09 435.30 Td (is ) Tj ET Q q 0 0 0 rg BT 227.90 435.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 267.25 435.30 Td (responsible ) Tj ET Q q 0 0 0 rg BT 314.94 435.30 Td (for ) Tj ET Q q 0 0 0 rg BT 328.74 435.30 Td (the ) Tj ET Q q 0 0 0 rg BT 343.09 435.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 382.44 435.30 Td (of ) Tj ET Q q 0 0 0 rg BT 392.91 435.30 Td (Level ) Tj ET Q q 0 0 0 rg BT 417.81 435.30 Td (3 ) Tj ET Q q 0 0 0 rg BT 424.95 435.30 Td (inputs ) Tj ET Q q 0 0 0 rg BT 451.54 435.30 Td (of ) Tj ET Q q 0 0 0 rg BT 462.01 435.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 499.69 435.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 525.44 435.30 Td (For ) Tj ET Q q 0 0 0 rg BT 541.47 435.30 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 423.30 Td (information ) Tj ET Q q 0 0 0 rg BT 99.83 423.30 Td (on ) Tj ET Q q 0 0 0 rg BT 112.44 423.30 Td (the ) Tj ET Q q 0 0 0 rg BT 127.28 423.30 Td (Managed ) Tj ET Q q 0 0 0 rg BT 166.52 423.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 195.25 423.30 Td (Division ) Tj ET Q q 0 0 0 rg BT 232.32 423.30 Td (review ) Tj ET Q q 0 0 0 rg BT 262.14 423.30 Td (of ) Tj ET Q q 0 0 0 rg BT 273.09 423.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 311.24 423.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 334.97 423.30 Td (refer ) Tj ET Q q 0 0 0 rg BT 356.45 423.30 Td (to ) Tj ET Q q 0 0 0 rg BT 366.85 423.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 388.90 423.30 Td (5 ) Tj ET Q q 0 0 0 rg BT 396.52 423.30 Td ( ) Tj ET Q q 0 0 0 rg BT 403.56 423.30 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 449.49 423.30 Td (for ) Tj ET Q q 0 0 0 rg BT 463.76 423.30 Td (Loan ) Tj ET Q q 0 0 0 rg BT 486.93 423.30 Td (Losses, ) Tj ET Q q 0 0 0 rg BT 518.69 423.30 Td (Allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 411.30 Td (for ) Tj ET Q q 0 0 0 rg BT 64.38 411.30 Td (Losses ) Tj ET Q q 0 0 0 rg BT 94.32 411.30 Td (on ) Tj ET Q q 0 0 0 rg BT 107.05 411.30 Td (Lending-Related ) Tj ET Q q 0 0 0 rg BT 176.96 411.30 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 236.35 411.30 Td (and ) Tj ET Q q 0 0 0 rg BT 253.51 411.30 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 292.33 411.30 Td (Loans. ) Tj ET Q q 0 0 0 rg BT 321.39 411.30 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.11 411.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 392.92 411.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.92 411.30 Td (, ) Tj ET Q q 0 0 0 rg BT 418.14 411.30 Td (the ) Tj ET Q q 0 0 0 rg BT 433.07 411.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 474.68 411.30 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.84 411.30 Td ($101.3 ) Tj ET Q q 0 0 0 rg BT 522.06 411.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.95 411.30 Td ( ) Tj ET Q q 0 0 0 rg BT 553.68 411.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 399.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 87.81 399.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 111.19 399.30 Td (classified ) Tj ET Q q 0 0 0 rg BT 151.23 399.30 Td (as ) Tj ET Q q 0 0 0 rg BT 161.83 399.30 Td (Level ) Tj ET Q q 0 0 0 rg BT 186.87 399.30 Td (3. ) Tj ET Q q 0 0 0 rg BT 196.64 399.30 Td (Of ) Tj ET Q q 0 0 0 rg BT 209.46 399.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.95 399.30 Td ($101.3 ) Tj ET Q q 0 0 0 rg BT 253.72 399.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.62 399.30 Td ( ) Tj ET Q q 0 0 0 rg BT 284.89 399.30 Td (of ) Tj ET Q q 0 0 0 rg BT 295.49 399.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 333.30 399.30 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.18 399.30 Td ($65.6 ) Tj ET Q q 0 0 0 rg BT 383.96 399.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.85 399.30 Td ( ) Tj ET Q q 0 0 0 rg BT 415.12 399.30 Td (were ) Tj ET Q q 0 0 0 rg BT 436.82 399.30 Td (measured ) Tj ET Q q 0 0 0 rg BT 477.41 399.30 Td (at ) Tj ET Q q 0 0 0 rg BT 486.90 399.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 503.05 399.30 Td (value ) Tj ET Q q 0 0 0 rg BT 526.97 399.30 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 399.30 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 387.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.81 387.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 110.72 387.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 150.51 387.30 Td (of ) Tj ET Q q 0 0 0 rg BT 161.43 387.30 Td (the ) Tj ET Q q 0 0 0 rg BT 176.23 387.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 196.04 387.30 Td (as ) Tj ET Q q 0 0 0 rg BT 206.96 387.30 Td (shown ) Tj ET Q q 0 0 0 rg BT 235.66 387.30 Td (in ) Tj ET Q q 0 0 0 rg BT 246.03 387.30 Td (the ) Tj ET Q q 0 0 0 rg BT 260.83 387.30 Td (table ) Tj ET Q q 0 0 0 rg BT 282.86 387.30 Td (above. ) Tj ET Q q 0 0 0 rg BT 311.64 387.30 Td (The ) Tj ET Q q 0 0 0 rg BT 329.77 387.30 Td (remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.90 387.30 Td ($35.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.40 387.30 Td ( ) Tj ET Q q 0 0 0 rg BT 397.99 387.30 Td (million ) Tj ET Q q 0 0 0 rg BT 429.47 387.30 Td (were ) Tj ET Q q 0 0 0 rg BT 451.49 387.30 Td (valued ) Tj ET Q q 0 0 0 rg BT 480.74 387.30 Td (based ) Tj ET Q q 0 0 0 rg BT 506.10 387.30 Td (on ) Tj ET Q q 0 0 0 rg BT 518.68 387.30 Td (discounted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 375.30 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.27 375.30 Td (flows ) Tj ET Q q 0 0 0 rg BT 94.99 375.30 Td (in ) Tj ET Q q 0 0 0 rg BT 105.27 375.30 Td (accordance ) Tj ET Q q 0 0 0 rg BT 152.73 375.30 Td (with ) Tj ET Q q 0 0 0 rg BT 172.46 375.30 Td (ASC ) Tj ET Q q 0 0 0 rg BT 194.41 375.30 Td (310.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 354.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.30 354.30 Td (r) Tj ET Q q 0 0 0 rg BT 78.82 354.30 Td (eal ) Tj ET Q q 0 0 0 rg BT 93.01 354.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 118.31 354.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 146.39 354.30 Td (\(including ) Tj ET Q q 0 0 0 rg BT 189.47 354.30 Td (cover) Tj ET Q q 0 0 0 rg BT 211.30 354.30 Td (ed ) Tj ET Q q 0 0 0 rg BT 222.71 354.30 Td (other ) Tj ET Q q 0 0 0 rg BT 245.80 354.30 Td (r) Tj ET Q q 0 0 0 rg BT 249.32 354.30 Td (eal ) Tj ET Q q 0 0 0 rg BT 263.51 354.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 288.80 354.30 Td (owned\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.24 354.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 352.98 354.30 Td (real ) Tj ET Q q 0 0 0 rg BT 369.94 354.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 394.68 354.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 423.31 354.30 Td (is ) Tj ET Q q 0 0 0 rg BT 431.95 354.30 Td (comprised ) Tj ET Q q 0 0 0 rg BT 475.58 354.30 Td (of ) Tj ET Q q 0 0 0 rg BT 485.88 354.30 Td (real ) Tj ET Q q 0 0 0 rg BT 502.84 354.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 527.58 354.30 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 342.30 Td (in ) Tj ET Q q 0 0 0 rg BT 60.06 342.30 Td (partial ) Tj ET Q q 0 0 0 rg BT 87.88 342.30 Td (or ) Tj ET Q q 0 0 0 rg BT 98.49 342.30 Td (full ) Tj ET Q q 0 0 0 rg BT 114.66 342.30 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 162.48 342.30 Td (of ) Tj ET Q q 0 0 0 rg BT 173.09 342.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 196.48 342.30 Td (and ) Tj ET Q q 0 0 0 rg BT 213.20 342.30 Td (is ) Tj ET Q q 0 0 0 rg BT 222.15 342.30 Td (included ) Tj ET Q q 0 0 0 rg BT 258.86 342.30 Td (in ) Tj ET Q q 0 0 0 rg BT 268.92 342.30 Td (other ) Tj ET Q q 0 0 0 rg BT 291.75 342.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 319.86 342.30 Td (Other ) Tj ET Q q 0 0 0 rg BT 344.91 342.30 Td (real ) Tj ET Q q 0 0 0 rg BT 362.17 342.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 387.22 342.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 416.16 342.30 Td (is ) Tj ET Q q 0 0 0 rg BT 425.11 342.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 462.36 342.30 Td (at ) Tj ET Q q 0 0 0 rg BT 471.86 342.30 Td (its ) Tj ET Q q 0 0 0 rg BT 483.59 342.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 524.19 342.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 342.30 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 330.30 Td (less ) Tj ET Q q 0 0 0 rg BT 67.96 330.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 109.24 330.30 Td (selling ) Tj ET Q q 0 0 0 rg BT 138.86 330.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 161.82 330.30 Td (at ) Tj ET Q q 0 0 0 rg BT 172.00 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 187.17 330.30 Td (date ) Tj ET Q q 0 0 0 rg BT 206.79 330.30 Td (of ) Tj ET Q q 0 0 0 rg BT 218.08 330.30 Td (transfer) Tj ET Q q 0 0 0 rg BT 248.21 330.30 Td (, ) Tj ET Q q 0 0 0 rg BT 253.67 330.30 Td (with ) Tj ET Q q 0 0 0 rg BT 274.41 330.30 Td (any ) Tj ET Q q 0 0 0 rg BT 291.81 330.30 Td (excess ) Tj ET Q q 0 0 0 rg BT 320.86 330.30 Td (of ) Tj ET Q q 0 0 0 rg BT 332.15 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 347.33 330.30 Td (related ) Tj ET Q q 0 0 0 rg BT 377.49 330.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 397.67 330.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 431.16 330.30 Td (over ) Tj ET Q q 0 0 0 rg BT 451.88 330.30 Td (the ) Tj ET Q q 0 0 0 rg BT 467.06 330.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 483.90 330.30 Td (value ) Tj ET Q q 0 0 0 rg BT 508.51 330.30 Td (less ) Tj ET Q q 0 0 0 rg BT 526.47 330.30 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 318.30 Td (selling ) Tj ET Q q 0 0 0 rg BT 79.58 318.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 102.50 318.30 Td (char) Tj ET Q q 0 0 0 rg BT 119.52 318.30 Td (ged ) Tj ET Q q 0 0 0 rg BT 136.88 318.30 Td (to ) Tj ET Q q 0 0 0 rg BT 147.57 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 162.70 318.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 206.15 318.30 Td (for ) Tj ET Q q 0 0 0 rg BT 220.72 318.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 240.85 318.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 270.16 318.30 Td (Subsequent ) Tj ET Q q 0 0 0 rg BT 319.18 318.30 Td (changes ) Tj ET Q q 0 0 0 rg BT 354.31 318.30 Td (in ) Tj ET Q q 0 0 0 rg BT 365.00 318.30 Td (value ) Tj ET Q q 0 0 0 rg BT 389.57 318.30 Td (are ) Tj ET Q q 0 0 0 rg BT 404.69 318.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 440.92 318.30 Td (as ) Tj ET Q q 0 0 0 rg BT 452.17 318.30 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 502.86 318.30 Td (to ) Tj ET Q q 0 0 0 rg BT 513.55 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 528.68 318.30 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 306.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.58 306.30 Td (and ) Tj ET Q q 0 0 0 rg BT 99.59 306.30 Td (are ) Tj ET Q q 0 0 0 rg BT 114.38 306.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 151.94 306.30 Td (in ) Tj ET Q q 0 0 0 rg BT 162.30 306.30 Td (other ) Tj ET Q q 0 0 0 rg BT 185.42 306.30 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 235.77 306.30 Td (expense. ) Tj ET Q q 0 0 0 rg BT 273.06 306.30 Td (Gains ) Tj ET Q q 0 0 0 rg BT 298.97 306.30 Td (and ) Tj ET Q q 0 0 0 rg BT 315.99 306.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 342.46 306.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 365.04 306.30 Td (sale, ) Tj ET Q q 0 0 0 rg BT 385.67 306.30 Td (if ) Tj ET Q q 0 0 0 rg BT 394.36 306.30 Td (any) Tj ET Q q 0 0 0 rg BT 408.14 306.30 Td (, ) Tj ET Q q 0 0 0 rg BT 413.23 306.30 Td (are ) Tj ET Q q 0 0 0 rg BT 428.01 306.30 Td (also ) Tj ET Q q 0 0 0 rg BT 446.70 306.30 Td (char) Tj ET Q q 0 0 0 rg BT 463.73 306.30 Td (ged ) Tj ET Q q 0 0 0 rg BT 480.75 306.30 Td (to ) Tj ET Q q 0 0 0 rg BT 491.11 306.30 Td (other ) Tj ET Q q 0 0 0 rg BT 514.23 306.30 Td (non-interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 294.30 Td (expense. ) Tj ET Q q 0 0 0 rg BT 86.97 294.30 Td (Fair ) Tj ET Q q 0 0 0 rg BT 105.34 294.30 Td (value ) Tj ET Q q 0 0 0 rg BT 129.26 294.30 Td (is ) Tj ET Q q 0 0 0 rg BT 138.19 294.30 Td (generally ) Tj ET Q q 0 0 0 rg BT 177.66 294.30 Td (based ) Tj ET Q q 0 0 0 rg BT 202.69 294.30 Td (on ) Tj ET Q q 0 0 0 rg BT 214.95 294.30 Td (third ) Tj ET Q q 0 0 0 rg BT 236.10 294.30 Td (party ) Tj ET Q q 0 0 0 rg BT 258.91 294.30 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 301.16 294.30 Td (and ) Tj ET Q q 0 0 0 rg BT 317.86 294.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 350.67 294.30 Td (estimates ) Tj ET Q q 0 0 0 rg BT 390.14 294.30 Td (that ) Tj ET Q q 0 0 0 rg BT 407.40 294.30 Td (are ) Tj ET Q q 0 0 0 rg BT 421.87 294.30 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 457.46 294.30 Td (by ) Tj ET Q q 0 0 0 rg BT 469.72 294.30 Td (a ) Tj ET Q q 0 0 0 rg BT 476.43 294.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 512.58 294.30 Td (representing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 282.30 Td (the estimated cost of sale and is therefore considered a Level 3 valuation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 261.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.07 261.30 Td (Company) Tj ET Q q 0 0 0 rg BT 109.74 261.30 Td (s ) Tj ET Q q 0 0 0 rg BT 116.16 261.30 Td (Managed ) Tj ET Q q 0 0 0 rg BT 155.33 261.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 183.97 261.30 Td (Division ) Tj ET Q q 0 0 0 rg BT 220.94 261.30 Td (is ) Tj ET Q q 0 0 0 rg BT 230.14 261.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 269.88 261.30 Td (responsible ) Tj ET Q q 0 0 0 rg BT 317.95 261.30 Td (for ) Tj ET Q q 0 0 0 rg BT 332.14 261.30 Td (the ) Tj ET Q q 0 0 0 rg BT 346.88 261.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 386.62 261.30 Td (of ) Tj ET Q q 0 0 0 rg BT 397.47 261.30 Td (Level ) Tj ET Q q 0 0 0 rg BT 422.76 261.30 Td (3 ) Tj ET Q q 0 0 0 rg BT 430.29 261.30 Td (inputs ) Tj ET Q q 0 0 0 rg BT 457.26 261.30 Td (for ) Tj ET Q q 0 0 0 rg BT 471.45 261.30 Td (non-covered ) Tj ET Q q 0 0 0 rg BT 523.95 261.30 Td (other ) Tj ET Q q 0 0 0 rg BT 547.02 261.30 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 249.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.79 249.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 105.48 249.30 Td (and ) Tj ET Q q 0 0 0 rg BT 122.95 249.30 Td (covered ) Tj ET Q q 0 0 0 rg BT 157.63 249.30 Td (other ) Tj ET Q q 0 0 0 rg BT 181.20 249.30 Td (real ) Tj ET Q q 0 0 0 rg BT 199.22 249.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 225.01 249.30 Td (owned. ) Tj ET Q q 0 0 0 rg BT 256.53 249.30 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.56 249.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 328.68 249.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.68 249.30 Td (, ) Tj ET Q q 0 0 0 rg BT 354.21 249.30 Td (the ) Tj ET Q q 0 0 0 rg BT 369.45 249.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 411.37 249.30 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.84 249.30 Td ($65.3 ) Tj ET Q q 0 0 0 rg BT 454.37 249.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.26 249.30 Td ( ) Tj ET Q q 0 0 0 rg BT 486.29 249.30 Td (of ) Tj ET Q q 0 0 0 rg BT 497.65 249.30 Td (other ) Tj ET Q q 0 0 0 rg BT 521.23 249.30 Td (real ) Tj ET Q q 0 0 0 rg BT 539.24 249.30 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 237.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 78.53 237.30 Td (classified ) Tj ET Q q 0 0 0 rg BT 118.16 237.30 Td (as ) Tj ET Q q 0 0 0 rg BT 128.36 237.30 Td (Level ) Tj ET Q q 0 0 0 rg BT 153.00 237.30 Td (3. ) Tj ET Q q 0 0 0 rg BT 162.23 237.30 Td (The ) Tj ET Q q 0 0 0 rg BT 179.65 237.30 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 234.84 237.30 Td (input ) Tj ET Q q 0 0 0 rg BT 257.26 237.30 Td (applied ) Tj ET Q q 0 0 0 rg BT 288.57 237.30 Td (to ) Tj ET Q q 0 0 0 rg BT 298.21 237.30 Td (other ) Tj ET Q q 0 0 0 rg BT 320.63 237.30 Td (real ) Tj ET Q q 0 0 0 rg BT 337.49 237.30 Td (estate ) Tj ET Q q 0 0 0 rg BT 362.12 237.30 Td (owned ) Tj ET Q q 0 0 0 rg BT 390.65 237.30 Td (relates ) Tj ET Q q 0 0 0 rg BT 418.61 237.30 Td (to ) Tj ET Q q 0 0 0 rg BT 428.26 237.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.35 237.30 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.68 237.30 Td ( ) Tj ET Q q 0 0 0 rg BT 462.55 237.30 Td (reduction ) Tj ET Q q 0 0 0 rg BT 502.18 237.30 Td (to ) Tj ET Q q 0 0 0 rg BT 511.83 237.30 Td (the ) Tj ET Q q 0 0 0 rg BT 525.92 237.30 Td (appraisal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 225.30 Td (value ) Tj ET Q q 0 0 0 rg BT 74.08 225.30 Td (representing ) Tj ET Q q 0 0 0 rg BT 125.92 225.30 Td (the ) Tj ET Q q 0 0 0 rg BT 140.56 225.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 181.30 225.30 Td (cost ) Tj ET Q q 0 0 0 rg BT 199.83 225.30 Td (of ) Tj ET Q q 0 0 0 rg BT 210.58 225.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 228.55 225.30 Td (of ) Tj ET Q q 0 0 0 rg BT 239.30 225.30 Td (the ) Tj ET Q q 0 0 0 rg BT 253.94 225.30 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 298.00 225.30 Td (property) Tj ET Q q 0 0 0 rg BT 331.23 225.30 Td (. ) Tj ET Q q 0 0 0 rg BT 335.62 225.30 Td (A) Tj ET Q q 0 0 0 rg BT 342.29 225.30 Td ( ) Tj ET Q q 0 0 0 rg BT 344.71 225.30 Td (higher ) Tj ET Q q 0 0 0 rg BT 372.68 225.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 408.98 225.30 Td (for ) Tj ET Q q 0 0 0 rg BT 423.06 225.30 Td (the ) Tj ET Q q 0 0 0 rg BT 437.70 225.30 Td (estimated ) Tj ET Q q 0 0 0 rg BT 478.44 225.30 Td (cost ) Tj ET Q q 0 0 0 rg BT 496.97 225.30 Td (of ) Tj ET Q q 0 0 0 rg BT 507.72 225.30 Td (sale ) Tj ET Q q 0 0 0 rg BT 525.69 225.30 Td (results ) Tj ET Q q 0 0 0 rg BT 554.22 225.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 213.30 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 213.30 Td (decreased ) Tj ET Q q 0 0 0 rg BT 98.85 213.30 Td (carrying ) Tj ET Q q 0 0 0 rg BT 134.67 213.30 Td (value.) Tj ET Q endstream endobj 317 0 obj <> endobj 318 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (158) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.64 742.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 106.94 742.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 151.79 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.32 742.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 212.62 742.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 268.02 742.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 294.56 742.10 Td (used ) Tj ET Q q 0 0 0 rg BT 314.98 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.84 742.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 360.25 742.10 Td (both ) Tj ET Q q 0 0 0 rg BT 380.12 742.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 418.85 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 435.38 742.10 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 492.44 742.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 517.29 742.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 524.38 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 742.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (measurements ) Tj ET Q q 0 0 0 rg BT 109.70 730.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.42 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 178.00 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 200.50 730.10 Td (were ) Tj ET Q q 0 0 0 rg BT 222.43 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 233.26 730.10 Td (follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 677.60 108.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 157.50 677.60 44.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.50 677.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 677.60 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ET Q q 0 0 0 rg BT 376.22 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 394.10 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 419.77 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.11 742.10 Td (all ) Tj ET Q q 0 0 0 rg BT 446.11 742.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.10 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 535.77 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 742.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 102.98 730.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 147.63 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.40 730.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 201.11 730.10 Td (including ) Tj ET Q q 0 0 0 rg BT 241.32 730.10 Td (those ) Tj ET Q q 0 0 0 rg BT 264.87 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 302.29 730.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 351.39 730.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 381.58 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 391.24 730.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 412.11 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 430.09 730.10 Td (table ) Tj ET Q q 0 0 0 rg BT 451.96 730.10 Td (below ) Tj ET Q q 0 0 0 rg BT 478.84 730.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 514.04 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.70 730.10 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.39 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.33 718.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 144.15 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 160.52 718.10 Td (values ) Tj ET Q q 0 0 0 rg BT 188.57 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.40 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.12 718.10 Td (Company) Tj ET Q q 0 0 0 rg BT 255.78 718.10 Td (s ) Tj ET Q q 0 0 0 rg BT 262.17 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 299.65 718.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 348.82 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 359.65 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.48 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.20 718.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 408.24 718.10 Td (shown:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 675.60 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 675.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 675.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 675.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 675.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 648.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 648.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 648.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 648.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 648.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 620.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 620.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 620.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 620.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 620.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 592.60 240.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 592.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 592.60 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 592.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 592.60 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 592.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 592.60 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 592.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 592.60 64.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 556.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 556.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 556.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 556.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 556.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 556.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 556.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 556.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 556.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 528.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 528.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 528.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 528.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 528.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 528.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 528.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 528.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 528.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 500.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 500.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 500.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 500.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 500.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 500.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 500.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 500.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 500.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 472.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 472.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 472.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 472.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 472.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 472.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 472.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 472.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 472.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 444.60 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 444.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 444.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 444.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 444.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 444.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 444.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 444.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 444.60 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 417.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 417.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 417.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 417.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 417.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 417.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 417.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 417.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 417.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 389.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 389.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 389.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 389.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 389.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 361.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 361.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 361.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 361.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 361.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 333.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 333.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 333.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 333.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 333.60 64.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 707.6 m 290.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 707.6 m 294.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 707.6 m 358.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 695.6 m 358.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 707.6 m 362.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 695.6 m 362.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 707.6 m 426.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 695.6 m 426.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 707.6 m 430.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 695.6 m 430.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 707.6 m 494.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 695.6 m 494.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 707.6 m 498.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 695.6 m 498.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 707.6 m 562.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 695.6 m 562.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 675.6 m 290.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 675.6 m 294.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 675.6 m 358.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 675.6 m 362.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 675.6 m 426.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 675.6 m 430.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 675.6 m 494.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 675.6 m 498.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 675.6 m 562.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 458.6 m 358.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 458.6 m 362.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 458.6 m 426.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 458.6 m 430.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 458.6 m 494.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 458.6 m 498.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 458.6 m 562.5 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 444.6 m 358.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 444.6 m 362.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 444.6 m 426.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 444.6 m 430.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 444.6 m 494.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 444.6 m 498.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 444.6 m 562.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 319.6 m 358.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 319.6 m 362.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 319.6 m 426.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 319.6 m 430.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 319.6 m 494.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 319.6 m 498.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 319.6 m 562.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 305.6 m 290.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 305.6 m 294.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 305.6 m 358.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 358.5 305.6 m 362.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 305.6 m 426.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 305.6 m 430.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 305.6 m 494.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 305.6 m 498.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 305.6 m 562.5 305.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 699.55 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.75 699.68 Td (December 31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.55 699.55 Td (December 31, 2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 679.85 Td (\(Dollars in thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 310.20 687.68 Td (Carrying) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 316.35 679.68 Td (V) Tj ET Q q 0 0 0 rg BT 321.39 679.68 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.70 687.68 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.35 679.68 Td (V) Tj ET Q q 0 0 0 rg BT 389.39 679.68 Td (alue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.75 687.55 Td (Carrying) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.85 679.55 Td (V) Tj ET Q q 0 0 0 rg BT 457.74 679.55 Td (alue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.55 687.55 Td (Fair) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.85 679.55 Td (V) Tj ET Q q 0 0 0 rg BT 525.74 679.55 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 666.33 Td (Financial Assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 653.17 Td (Cash and cash equivalents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 653.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 653.28 Td (275,795) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.00 653.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 653.28 Td (275,795) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 653.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 653.17 Td (230,707) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 653.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 653.17 Td (230,707) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 639.17 Td (Interest bearing deposits with banks) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 639.28 Td (607,782) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 639.28 Td (607,782) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 639.17 Td (998,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 639.17 Td (998,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 625.17 Td (Available-for-sale securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.65 625.28 Td (1,716,388) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.65 625.28 Td (1,716,388) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.65 625.17 Td (1,792,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 625.17 Td (1,792,078) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 611.17 Td (Held-to-maturity securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 611.28 Td (884,826) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 611.28 Td (878,111) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 597.17 Td (Trading account securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 339.65 597.28 Td (448) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.65 597.28 Td (448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 597.17 Td (1,206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 597.17 Td (1,206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 583.17 Td (Federal Home Loan Bank and Federal Reserve Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 573.17 Td (stock, at cost) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 574.28 Td (101,581) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 574.28 Td (101,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 574.27 Td (91,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 574.27 Td (91,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 560.17 Td (Brokerage customer receivables) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.15 560.33 Td (27,631) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.15 560.33 Td (27,631) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 560.17 Td (24,221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 560.17 Td (24,221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 547.17 Td (Mortgage loans held-for-sale, at fair value) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 547.28 Td (388,038) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 547.28 Td (388,038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 547.17 Td (351,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 547.17 Td (351,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 533.17 Td (Total loans) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.60 533.28 Td (17,266,790) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.60 533.28 Td (18,106,829) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 533.17 Td (14,636,107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.60 533.17 Td (15,346,266) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 519.17 Td (Mortgage servicing rights) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.15 519.28 Td (9,092) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.15 519.28 Td (9,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 519.17 Td (8,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 519.17 Td (8,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 505.17 Td (Nonqualified deferred compensation assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.15 505.28 Td (8,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.15 505.28 Td (8,517) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 505.17 Td (7,951) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 505.17 Td (7,951) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 491.17 Td (Derivative assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.15 491.28 Td (51,298) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.15 491.28 Td (51,298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 491.17 Td (47,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 491.17 Td (47,964) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 477.17 Td (FDIC indemnification asset) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 344.65 477.28 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.65 477.28 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 477.17 Td (11,846) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 477.17 Td (11,846) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 463.17 Td (Accrued interest receivable and other) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 463.28 Td (193,092) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 463.28 Td (193,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 463.17 Td (169,156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 463.17 Td (169,156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 449.17 Td (Total financial assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 449.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.60 449.28 Td (21,531,278) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.00 449.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.60 449.28 Td (22,364,602) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 449.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 449.17 Td (18,370,980) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 449.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.60 449.17 Td (19,081,139) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 435.33 Td (Financial Liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 422.17 Td (Non-maturity deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 422.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.60 422.28 Td (14,634,957) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.00 422.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.60 422.28 Td (14,634,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 422.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 422.17 Td (12,142,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 422.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.60 422.17 Td (12,142,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 408.17 Td (Deposits with stated maturities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.65 408.28 Td (4,004,677) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.65 408.28 Td (3,998,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.65 408.17 Td (4,139,810) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 408.17 Td (4,143,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 394.17 Td (Federal Home Loan Bank advances) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 394.28 Td (859,876) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 394.28 Td (863,437) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 394.17 Td (733,050) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 394.17 Td (738,113) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 380.17 Td (Other borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 380.28 Td (266,019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 380.28 Td (266,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 380.17 Td (196,465) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 380.17 Td (197,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 366.17 Td (Subordinated notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 366.28 Td (140,000) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 366.28 Td (140,302) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 366.17 Td (140,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 366.17 Td (143,639) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 352.17 Td (Junior subordinated debentures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.15 352.28 Td (268,566) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.15 352.28 Td (268,046) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 352.17 Td (249,493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 352.17 Td (250,305) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 338.17 Td (Derivative liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 327.15 338.28 Td (45,019) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 395.15 338.28 Td (45,019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 338.17 Td (41,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 338.17 Td (41,180) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 324.17 Td (Accrued interest payable) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 332.15 324.28 Td (7,394) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 400.15 324.28 Td (7,394) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 324.17 Td (8,001) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 324.17 Td (8,001) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 310.17 Td (Total financial liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.00 310.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 309.60 310.28 Td (20,226,508) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.00 310.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 377.60 310.28 Td (20,223,354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 310.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 310.17 Td (17,650,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 310.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.60 310.17 Td (17,664,316) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 282.10 Td (Not ) Tj ET Q q 0 0 0 rg BT 67.47 282.10 Td (all ) Tj ET Q q 0 0 0 rg BT 79.94 282.10 Td (of ) Tj ET Q q 0 0 0 rg BT 90.74 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.43 282.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 142.88 282.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 192.02 282.10 Td (listed ) Tj ET Q q 0 0 0 rg BT 216.16 282.10 Td (in ) Tj ET Q q 0 0 0 rg BT 226.41 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.10 282.10 Td (table ) Tj ET Q q 0 0 0 rg BT 263.00 282.10 Td (above ) Tj ET Q q 0 0 0 rg BT 289.35 282.10 Td (are ) Tj ET Q q 0 0 0 rg BT 304.03 282.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 334.83 282.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.08 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.77 282.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 402.79 282.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 446.93 282.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.19 282.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 478.93 282.10 Td (T) Tj ET Q q 0 0 0 rg BT 484.34 282.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 504.03 282.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 524.00 282.10 Td (as ) Tj ET Q q 0 0 0 rg BT 534.81 282.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 270.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 76.67 270.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.46 270.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 135.02 270.10 Td (result ) Tj ET Q q 0 0 0 rg BT 160.58 270.10 Td (in ) Tj ET Q q 0 0 0 rg BT 171.70 270.10 Td (their ) Tj ET Q q 0 0 0 rg BT 193.37 270.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 230.03 270.10 Td (value ) Tj ET Q q 0 0 0 rg BT 255.03 270.10 Td (approximating ) Tj ET Q q 0 0 0 rg BT 316.70 270.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 333.92 270.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 361.18 270.10 Td (These ) Tj ET Q q 0 0 0 rg BT 388.40 270.10 Td (include ) Tj ET Q q 0 0 0 rg BT 421.18 270.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 442.29 270.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.08 270.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 481.19 270.10 Td (equivalents, ) Tj ET Q q 0 0 0 rg BT 532.58 270.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 258.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 82.02 258.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 116.83 258.10 Td (with ) Tj ET Q q 0 0 0 rg BT 136.64 258.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 164.50 258.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 206.50 258.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 245.19 258.10 Td (receivables, ) Tj ET Q q 0 0 0 rg BT 294.69 258.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 322.29 258.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.75 258.10 Td (FRB ) Tj ET Q q 0 0 0 rg BT 359.69 258.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 385.33 258.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 410.14 258.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 475.49 258.10 Td (asset, ) Tj ET Q q 0 0 0 rg BT 499.46 258.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 532.57 258.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 246.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 93.58 246.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.52 246.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 144.10 246.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 176.04 246.10 Td (payable, ) Tj ET Q q 0 0 0 rg BT 212.13 246.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.07 246.10 Td (non-maturity ) Tj ET Q q 0 0 0 rg BT 283.78 246.10 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 225.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.20 225.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.73 225.10 Td (methods ) Tj ET Q q 0 0 0 rg BT 146.27 225.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.35 225.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 215.45 225.10 Td (were ) Tj ET Q q 0 0 0 rg BT 237.53 225.10 Td (used ) Tj ET Q q 0 0 0 rg BT 258.51 225.10 Td (by ) Tj ET Q q 0 0 0 rg BT 271.16 225.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.02 225.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 327.56 225.10 Td (in ) Tj ET Q q 0 0 0 rg BT 337.99 225.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 382.29 225.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 398.82 225.10 Td (values ) Tj ET Q q 0 0 0 rg BT 427.02 225.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.00 225.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 475.63 225.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 524.94 225.10 Td (that ) Tj ET Q q 0 0 0 rg BT 542.58 225.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 213.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 213.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 110.00 213.10 Td (disclosed.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 189.10 Td (Held-to-maturity ) Tj ET Q q 0 0 0 rg BT 121.39 189.10 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.85 189.10 Td (Held-to-maturity ) Tj ET Q q 0 0 0 rg BT 237.24 189.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 278.63 189.10 Td (include ) Tj ET Q q 0 0 0 rg BT 311.70 189.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 333.11 189.10 Td (Government-sponsored ) Tj ET Q q 0 0 0 rg BT 430.61 189.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 462.55 189.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 503.95 189.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.02 189.10 Td (municipal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 177.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 75.57 177.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 102.24 177.10 Td (by ) Tj ET Q q 0 0 0 rg BT 113.92 177.10 Td (various ) Tj ET Q q 0 0 0 rg BT 145.04 177.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 186.70 177.10 Td (government ) Tj ET Q q 0 0 0 rg BT 236.14 177.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 266.70 177.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 305.59 177.10 Td (located ) Tj ET Q q 0 0 0 rg BT 336.14 177.10 Td (in ) Tj ET Q q 0 0 0 rg BT 345.59 177.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.48 177.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 394.49 177.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 447.26 177.10 Td (area ) Tj ET Q q 0 0 0 rg BT 465.58 177.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.70 177.10 Td (southern ) Tj ET Q q 0 0 0 rg BT 517.69 177.10 Td (W) Tj ET Q q 0 0 0 rg BT 526.73 177.10 Td (isconsin. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 165.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 68.17 165.10 Td (values ) Tj ET Q q 0 0 0 rg BT 95.78 165.10 Td (for ) Tj ET Q q 0 0 0 rg BT 109.51 165.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 177.11 165.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 216.94 165.10 Td (are ) Tj ET Q q 0 0 0 rg BT 231.21 165.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 268.26 165.10 Td (based ) Tj ET Q q 0 0 0 rg BT 293.10 165.10 Td (on ) Tj ET Q q 0 0 0 rg BT 305.16 165.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 331.10 165.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 367.60 165.10 Td (from ) Tj ET Q q 0 0 0 rg BT 389.10 165.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 440.04 165.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 470.43 165.10 Td (vendors. ) Tj ET Q q 0 0 0 rg BT 506.66 165.10 Td (In ) Tj ET Q q 0 0 0 rg BT 517.05 165.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 153.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.73 153.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 91.68 153.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 111.68 153.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.40 153.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 167.78 153.10 Td (has ) Tj ET Q q 0 0 0 rg BT 183.61 153.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 232.19 153.10 Td (held-to-maturity ) Tj ET Q q 0 0 0 rg BT 300.23 153.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 340.49 153.10 Td (as ) Tj ET Q q 0 0 0 rg BT 351.32 153.10 Td (a ) Tj ET Q q 0 0 0 rg BT 358.26 153.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 383.53 153.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 391.03 153.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 407.40 153.10 Td (value ) Tj ET Q q 0 0 0 rg BT 431.56 153.10 Td (measurement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 132.10 Td (Loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.95 132.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.41 132.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 97.97 132.10 Td (values ) Tj ET Q q 0 0 0 rg BT 125.97 132.10 Td (are ) Tj ET Q q 0 0 0 rg BT 140.63 132.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 181.40 132.10 Td (for ) Tj ET Q q 0 0 0 rg BT 195.52 132.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 236.86 132.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.64 132.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 271.20 132.10 Td (with ) Tj ET Q q 0 0 0 rg BT 291.44 132.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 321.66 132.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 359.10 132.10 Td (characteristics. ) Tj ET Q q 0 0 0 rg BT 421.24 132.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 448.13 132.10 Td (are ) Tj ET Q q 0 0 0 rg BT 462.79 132.10 Td (analyzed ) Tj ET Q q 0 0 0 rg BT 500.78 132.10 Td (by ) Tj ET Q q 0 0 0 rg BT 513.23 132.10 Td (type ) Tj ET Q q 0 0 0 rg BT 532.90 132.10 Td (such ) Tj ET Q q 0 0 0 rg BT 553.68 132.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.10 Td (commercial, ) Tj ET Q q 0 0 0 rg BT 101.83 120.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 145.62 120.10 Td (real ) Tj ET Q q 0 0 0 rg BT 162.74 120.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 190.14 120.10 Td (etc. ) Tj ET Q q 0 0 0 rg BT 206.43 120.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 228.55 120.10 Td (category ) Tj ET Q q 0 0 0 rg BT 265.11 120.10 Td (is ) Tj ET Q q 0 0 0 rg BT 273.91 120.10 Td (further ) Tj ET Q q 0 0 0 rg BT 303.26 120.10 Td (segmented ) Tj ET Q q 0 0 0 rg BT 348.15 120.10 Td (by ) Tj ET Q q 0 0 0 rg BT 360.29 120.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 391.86 120.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 408.98 120.10 Td (type ) Tj ET Q q 0 0 0 rg BT 428.33 120.10 Td (\(fixed ) Tj ET Q q 0 0 0 rg BT 454.34 120.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.92 120.10 Td (variable\) ) Tj ET Q q 0 0 0 rg BT 508.58 120.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.16 120.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 548.12 120.10 Td (For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.10 Td (variable-rate ) Tj ET Q q 0 0 0 rg BT 103.22 108.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 127.03 108.10 Td (that ) Tj ET Q q 0 0 0 rg BT 144.73 108.10 Td (reprice ) Tj ET Q q 0 0 0 rg BT 175.18 108.10 Td (frequently) Tj ET Q q 0 0 0 rg BT 215.63 108.10 Td (, ) Tj ET Q q 0 0 0 rg BT 220.83 108.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 261.85 108.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 278.43 108.10 Td (values ) Tj ET Q q 0 0 0 rg BT 306.68 108.10 Td (are ) Tj ET Q q 0 0 0 rg BT 321.59 108.10 Td (based ) Tj ET Q q 0 0 0 rg BT 347.06 108.10 Td (on ) Tj ET Q q 0 0 0 rg BT 359.76 108.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 395.77 108.10 Td (values. ) Tj ET Q q 0 0 0 rg BT 426.33 108.10 Td (The ) Tj ET Q q 0 0 0 rg BT 444.58 108.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 461.15 108.10 Td (value ) Tj ET Q q 0 0 0 rg BT 485.51 108.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.54 108.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 540.90 108.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.22 96.10 Td (based ) Tj ET Q q 0 0 0 rg BT 84.54 96.10 Td (on ) Tj ET Q q 0 0 0 rg BT 97.09 96.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 140.18 96.10 Td (market ) Tj ET Q q 0 0 0 rg BT 170.49 96.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 203.03 96.10 Td (for ) Tj ET Q q 0 0 0 rg BT 217.24 96.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 257.56 96.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 288.42 96.10 Td (by ) Tj ET Q q 0 0 0 rg BT 300.97 96.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 331.30 96.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 357.45 96.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 393.33 96.10 Td (for ) Tj ET Q q 0 0 0 rg BT 407.54 96.10 Td (dif) Tj ET Q q 0 0 0 rg BT 418.47 96.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 454.32 96.10 Td (in ) Tj ET Q q 0 0 0 rg BT 464.65 96.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 484.42 96.10 Td (characteristics. ) Tj ET Q q 0 0 0 rg BT 546.47 96.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 65.48 84.10 Td (value ) Tj ET Q q 0 0 0 rg BT 88.74 84.10 Td (for ) Tj ET Q q 0 0 0 rg BT 102.00 84.10 Td (other ) Tj ET Q q 0 0 0 rg BT 124.16 84.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 146.31 84.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 162.90 84.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 185.61 84.10 Td (is ) Tj ET Q q 0 0 0 rg BT 193.88 84.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 233.81 84.10 Td (by ) Tj ET Q q 0 0 0 rg BT 245.41 84.10 Td (discounting ) Tj ET Q q 0 0 0 rg BT 293.68 84.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 335.27 84.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 354.64 84.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 378.47 84.10 Td (through ) Tj ET Q q 0 0 0 rg BT 411.18 84.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.00 84.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 464.92 84.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 500.41 84.10 Td (using ) Tj ET Q q 0 0 0 rg BT 523.68 84.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.10 Td (market ) Tj ET Q q 0 0 0 rg BT 79.88 72.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 115.88 72.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 136.87 72.10 Td (that ) Tj ET Q q 0 0 0 rg BT 153.98 72.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 181.63 72.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 206.50 72.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.06 72.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 254.60 72.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 271.70 72.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 292.71 72.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 327.59 72.10 Td (in ) Tj ET Q q 0 0 0 rg BT 337.48 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.81 72.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 373.49 72.10 Td (The ) Tj ET Q q 0 0 0 rg BT 391.15 72.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 424.92 72.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 454.25 72.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.69 72.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 489.57 72.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 506.68 72.10 Td (on ) Tj ET Q q 0 0 0 rg BT 518.80 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.13 72.10 Td (present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 60.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.88 60.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.44 60.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.88 60.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 118.32 60.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 158.04 60.10 Td (however) Tj ET Q q 0 0 0 rg BT 192.07 60.10 Td (, ) Tj ET Q q 0 0 0 rg BT 196.80 60.10 Td (was ) Tj ET Q q 0 0 0 rg BT 214.57 60.10 Td (assessed ) Tj ET Q q 0 0 0 rg BT 250.68 60.10 Td (through ) Tj ET Q q 0 0 0 rg BT 284.01 60.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.46 60.10 Td (use ) Tj ET Q q 0 0 0 rg BT 314.01 60.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.57 60.10 Td (the ) Tj ET Q q 0 0 0 rg BT 339.01 60.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 381.77 60.10 Td (for ) Tj ET Q q 0 0 0 rg BT 395.65 60.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 415.10 60.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 443.71 60.10 Td (which ) Tj ET Q q 0 0 0 rg BT 470.38 60.10 Td (is ) Tj ET Q q 0 0 0 rg BT 479.27 60.10 Td (believed ) Tj ET Q q 0 0 0 rg BT 515.37 60.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.38 60.10 Td (represent ) Tj ET Q endstream endobj 321 0 obj <> endobj 322 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (160) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.53 742.10 Td (current ) Tj ET Q q 0 0 0 rg BT 97.16 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 114.35 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 139.32 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.96 742.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 189.26 742.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 225.89 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 253.09 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 268.06 742.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 306.93 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.57 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.10 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 351.29 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 376.26 742.10 Td (calculation. ) Tj ET Q q 0 0 0 rg BT 425.94 742.10 Td (In ) Tj ET Q q 0 0 0 rg BT 437.58 742.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 485.86 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 506.22 742.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 528.98 742.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 549.80 742.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.39 730.10 Td (has ) Tj ET Q q 0 0 0 rg BT 107.22 730.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 155.80 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 179.40 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 190.23 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.17 730.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 222.44 730.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 229.94 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 246.31 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 270.47 730.10 Td (measurement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 709.10 Td (Deposits ) Tj ET Q q 0 0 0 rg BT 87.03 709.10 Td (with ) Tj ET Q q 0 0 0 rg BT 106.29 709.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 132.21 709.10 Td (maturities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.26 709.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.15 709.10 Td (The ) Tj ET Q q 0 0 0 rg BT 194.73 709.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 210.63 709.10 Td (value ) Tj ET Q q 0 0 0 rg BT 234.32 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.68 709.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 290.57 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.93 709.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 331.85 709.10 Td (is ) Tj ET Q q 0 0 0 rg BT 340.55 709.10 Td (based ) Tj ET Q q 0 0 0 rg BT 365.35 709.10 Td (on ) Tj ET Q q 0 0 0 rg BT 377.38 709.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.63 709.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 436.99 709.10 Td (value ) Tj ET Q q 0 0 0 rg BT 460.67 709.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.03 709.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 517.48 709.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 537.28 709.10 Td (flows. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.11 697.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 104.57 697.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 122.12 697.10 Td (is ) Tj ET Q q 0 0 0 rg BT 131.35 697.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 172.24 697.10 Td (using ) Tj ET Q q 0 0 0 rg BT 196.47 697.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.26 697.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 232.70 697.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 271.36 697.10 Td (in ) Tj ET Q q 0 0 0 rg BT 281.70 697.10 Td (ef) Tj ET Q q 0 0 0 rg BT 289.29 697.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 306.84 697.10 Td (for ) Tj ET Q q 0 0 0 rg BT 321.07 697.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 356.41 697.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.31 697.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 397.65 697.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 440.76 697.10 Td (maturities. ) Tj ET Q q 0 0 0 rg BT 485.81 697.10 Td (In ) Tj ET Q q 0 0 0 rg BT 496.71 697.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 544.24 697.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 685.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.95 685.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 91.95 685.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.67 685.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 148.06 685.10 Td (has ) Tj ET Q q 0 0 0 rg BT 163.89 685.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 212.47 685.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 247.74 685.10 Td (with ) Tj ET Q q 0 0 0 rg BT 268.02 685.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 293.85 685.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 336.34 685.10 Td (as ) Tj ET Q q 0 0 0 rg BT 347.17 685.10 Td (a ) Tj ET Q q 0 0 0 rg BT 354.11 685.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 379.37 685.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 386.87 685.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 403.25 685.10 Td (value ) Tj ET Q q 0 0 0 rg BT 427.40 685.10 Td (measurement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 664.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 84.63 664.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 111.49 664.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 135.03 664.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 158.55 664.10 Td (advances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.26 664.10 Td ( ) Tj ET Q q 0 0 0 rg BT 201.02 664.10 Td (The ) Tj ET Q q 0 0 0 rg BT 219.54 664.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 236.39 664.10 Td (value ) Tj ET Q q 0 0 0 rg BT 261.03 664.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.33 664.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 305.29 664.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 332.71 664.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 356.23 664.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 380.31 664.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 419.94 664.10 Td (is ) Tj ET Q q 0 0 0 rg BT 429.58 664.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 466.99 664.10 Td (from ) Tj ET Q q 0 0 0 rg BT 489.41 664.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.60 664.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 537.56 664.10 Td (Home ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 72.34 652.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 97.73 652.10 Td (which ) Tj ET Q q 0 0 0 rg BT 123.96 652.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 142.97 652.10 Td (a ) Tj ET Q q 0 0 0 rg BT 149.20 652.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 194.31 652.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 213.87 652.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 233.99 652.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 267.99 652.10 Td (based ) Tj ET Q q 0 0 0 rg BT 292.55 652.10 Td (on ) Tj ET Q q 0 0 0 rg BT 304.34 652.10 Td (current ) Tj ET Q q 0 0 0 rg BT 334.44 652.10 Td (market ) Tj ET Q q 0 0 0 rg BT 363.99 652.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 384.66 652.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.78 652.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 424.34 652.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 460.01 652.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 479.02 652.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 518.57 652.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.13 652.10 Td (discount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 640.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.80 640.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 96.55 640.10 Td (In ) Tj ET Q q 0 0 0 rg BT 106.91 640.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 153.90 640.10 Td (with ) Tj ET Q q 0 0 0 rg BT 173.26 640.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 194.75 640.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 214.28 640.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.52 640.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 269.44 640.10 Td (has ) Tj ET Q q 0 0 0 rg BT 284.80 640.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 332.91 640.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 364.93 640.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 391.39 640.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 413.97 640.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 437.11 640.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 475.79 640.10 Td (as ) Tj ET Q q 0 0 0 rg BT 486.15 640.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.62 640.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 517.41 640.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 524.44 640.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 640.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td (measurement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (Subor) Tj ET Q q 0 0 0 rg BT 73.52 604.10 Td (dinated ) Tj ET Q q 0 0 0 rg BT 106.02 604.10 Td (notes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.12 604.10 Td (The ) Tj ET Q q 0 0 0 rg BT 150.17 604.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 166.55 604.10 Td (value ) Tj ET Q q 0 0 0 rg BT 190.70 604.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.53 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.25 604.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 270.41 604.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 294.01 604.10 Td (is ) Tj ET Q q 0 0 0 rg BT 303.18 604.10 Td (based ) Tj ET Q q 0 0 0 rg BT 328.45 604.10 Td (on ) Tj ET Q q 0 0 0 rg BT 340.95 604.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.89 604.10 Td (market ) Tj ET Q q 0 0 0 rg BT 378.15 604.10 Td (price ) Tj ET Q q 0 0 0 rg BT 400.64 604.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 437.57 604.10 Td (from ) Tj ET Q q 0 0 0 rg BT 459.51 604.10 Td (an ) Tj ET Q q 0 0 0 rg BT 471.45 604.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 522.82 604.10 Td (pricing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (vendor) Tj ET Q q 0 0 0 rg BT 77.22 592.10 Td (. ) Tj ET Q q 0 0 0 rg BT 82.22 592.10 Td (In ) Tj ET Q q 0 0 0 rg BT 93.05 592.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 140.51 592.10 Td (with ) Tj ET Q q 0 0 0 rg BT 160.23 592.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 182.19 592.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 202.19 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.90 592.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 258.29 592.10 Td (has ) Tj ET Q q 0 0 0 rg BT 274.12 592.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 322.70 592.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 376.86 592.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 400.46 592.10 Td (as ) Tj ET Q q 0 0 0 rg BT 411.29 592.10 Td (a ) Tj ET Q q 0 0 0 rg BT 418.23 592.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 443.50 592.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 451.00 592.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 467.37 592.10 Td (value ) Tj ET Q q 0 0 0 rg BT 491.53 592.10 Td (measurement.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 571.10 Td (Junior ) Tj ET Q q 0 0 0 rg BT 77.65 571.10 Td (subor) Tj ET Q q 0 0 0 rg BT 100.06 571.10 Td (dinated ) Tj ET Q q 0 0 0 rg BT 131.60 571.10 Td (debentur) Tj ET Q q 0 0 0 rg BT 166.77 571.10 Td (es.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.60 571.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.03 571.10 Td (The ) Tj ET Q q 0 0 0 rg BT 196.12 571.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 211.54 571.10 Td (value ) Tj ET Q q 0 0 0 rg BT 234.73 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 244.60 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.36 571.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 283.79 571.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 336.98 571.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 381.84 571.10 Td (is ) Tj ET Q q 0 0 0 rg BT 390.05 571.10 Td (based ) Tj ET Q q 0 0 0 rg BT 414.36 571.10 Td (on ) Tj ET Q q 0 0 0 rg BT 425.90 571.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.66 571.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 484.52 571.10 Td (value ) Tj ET Q q 0 0 0 rg BT 507.72 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.59 571.10 Td (contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.75 559.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 98.46 559.10 Td (In ) Tj ET Q q 0 0 0 rg BT 109.77 559.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 157.72 559.10 Td (with ) Tj ET Q q 0 0 0 rg BT 177.82 559.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 200.26 559.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 220.75 559.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.95 559.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 277.82 559.10 Td (has ) Tj ET Q q 0 0 0 rg BT 294.14 559.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 343.20 559.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 370.07 559.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 424.71 559.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 471.01 559.10 Td (as ) Tj ET Q q 0 0 0 rg BT 482.33 559.10 Td (a ) Tj ET Q q 0 0 0 rg BT 489.75 559.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 515.50 559.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 523.48 559.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 559.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 547.10 Td (measurement.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (\(22\) Shar) Tj ET Q q 0 0 0 rg BT 89.54 526.10 Td (eholders) Tj ET Q q 0 0 0 rg BT 128.24 526.10 Td ( Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 505.10 Td ( summary of the Company) Tj ET Q q 0 0 0 rg BT 166.10 505.10 Td (s common and preferred stock at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.38 505.10 Td (December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.97 505.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.41 505.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.41 505.10 Td ( is as follows:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 482.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 482.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 482.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 482.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 482.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 454.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 454.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 454.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 454.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 454.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 426.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 426.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 426.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 426.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 426.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 398.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 398.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 398.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 398.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 398.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 370.60 340.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 370.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 370.60 82.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 370.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 370.60 82.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 494.6 m 390.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 482.6 m 390.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 494.6 m 394.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 482.6 m 394.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 494.6 m 476.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 482.6 m 476.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 494.6 m 480.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 482.6 m 480.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 494.6 m 562.5 494.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 482.6 m 562.5 482.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 356.6 m 390.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 356.6 m 394.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 394.5 356.6 m 476.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 356.6 m 480.5 356.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 356.6 m 562.5 356.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.00 486.68 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 513.00 486.55 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 473.17 Td (Common Stock:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 459.17 Td (Shares authorized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 422.65 459.28 Td (100,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.65 459.17 Td (100,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 445.17 Td (Shares issued) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.65 445.28 Td (48,468,894) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 445.17 Td (46,881,108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 431.17 Td (Shares outstanding) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.65 431.28 Td (48,383,279) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 431.17 Td (46,805,055) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 417.17 Td (Cash dividend per share) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.00 417.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 455.15 417.28 Td (0.44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 417.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 417.17 Td (0.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 403.17 Td (Preferred Stock:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 389.17 Td (Shares authorized) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 427.65 389.28 Td (20,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 389.17 Td (20,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 375.17 Td (Shares issued) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.65 375.28 Td (5,126,287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 375.17 Td (126,467) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 361.17 Td (Shares outstanding) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 432.65 361.28 Td (5,126,287) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 361.17 Td (126,467) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 336.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.62 336.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.59 336.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 143.43 336.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 170.49 336.10 Td (of ) Tj ET Q q 0 0 0 rg BT 180.90 336.10 Td (its ) Tj ET Q q 0 0 0 rg BT 192.43 336.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 236.71 336.10 Td (common ) Tj ET Q q 0 0 0 rg BT 273.78 336.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 296.97 336.10 Td (specifically ) Tj ET Q q 0 0 0 rg BT 345.13 336.10 Td (for ) Tj ET Q q 0 0 0 rg BT 358.87 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.16 336.10 Td (2007 ) Tj ET Q q 0 0 0 rg BT 395.24 336.10 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 417.60 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.89 336.10 Td (ESPP) Tj ET Q q 0 0 0 rg BT 454.31 336.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.39 336.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.91 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 487.20 336.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 526.49 336.10 Td (Deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 324.10 Td (Fee ) Tj ET Q q 0 0 0 rg BT 67.11 324.10 Td (and ) Tj ET Q q 0 0 0 rg BT 84.22 324.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 109.67 324.10 Td (Plan ) Tj ET Q q 0 0 0 rg BT 130.12 324.10 Td (\("the ) Tj ET Q q 0 0 0 rg BT 152.42 324.10 Td (DDFS"\). ) Tj ET Q q 0 0 0 rg BT 190.37 324.10 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407.5 711.6 m 411.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 731.6 m 484.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 711.6 m 484.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 731.6 m 488.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 711.6 m 488.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 731.6 m 562.5 731.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 711.6 m 562.5 711.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 655.6 m 407.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 655.6 m 411.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 655.6 m 484.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 655.6 m 488.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 655.6 m 562.5 655.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 641.6 m 407.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 641.6 m 411.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 641.6 m 484.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 641.6 m 488.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 641.6 m 562.5 641.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 585.6 m 330.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 585.6 m 334.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 585.6 m 407.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 585.6 m 411.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 411.5 585.6 m 484.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 585.6 m 488.5 585.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 585.6 m 562.5 585.6 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 715.85 Td (\(Dollars and units in thousands, except unit price\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.90 723.68 Td (Equity) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.45 715.68 Td (Component) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.25 723.68 Td (Debt) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.45 715.68 Td (Component) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 516.75 723.68 Td (TEU) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 516.25 715.68 Td (T) Tj ET Q q 0 0 0 rg BT 520.85 715.68 Td (otal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 702.17 Td (Units issued ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 104.67 706.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.15 702.17 Td (4,600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 702.17 Td (4,600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 702.17 Td (4,600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 688.17 Td (Unit price) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 688.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.15 688.17 Td (40.271818) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 688.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.15 688.17 Td (9.728182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 688.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 688.17 Td (50.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 674.17 Td (Gross proceeds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 674.17 Td (185,250) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 674.17 Td (44,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 674.17 Td (230,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 660.17 Td (Issuance costs, including discount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.15 660.17 Td (5,934) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 660.17 Td (1,419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 660.17 Td (7,353) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 646.17 Td (Net proceeds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 646.17 Td (179,316) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 646.17 Td (43,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.00 646.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 646.17 Td (222,647) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 53.00 618.16 Td (Balance sheet impact) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 604.17 Td (Other borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.65 604.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 604.17 Td (43,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 604.17 Td (43,331) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 590.17 Td (Surplus) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.15 590.17 Td (179,316) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.65 590.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 590.17 Td (179,316) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 62.45 574.10 Td (\(1\) ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 80.45 574.10 Td (TEUs ) Tj ET Q q 0 0 0 rg BT 105.73 574.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 145.45 574.10 Td (of ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 155.73 574.10 Td (two) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 170.18 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 172.68 574.10 Td (components: ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 226.28 574.10 Td (one) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 240.71 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.21 574.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 261.27 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.55 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.27 574.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 313.20 574.10 Td (component ) Tj ET Q q 0 0 0 rg BT 359.58 574.10 Td (and ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 377.08 574.10 Td (one) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 391.51 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 394.01 574.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 412.07 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.35 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.07 574.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 456.78 574.10 Td (component.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 553.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.03 553.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 86.39 553.10 Td (value ) Tj ET Q q 0 0 0 rg BT 111.52 553.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.33 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.03 553.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 159.73 553.10 Td (component ) Tj ET Q q 0 0 0 rg BT 207.65 553.10 Td (was ) Tj ET Q q 0 0 0 rg BT 226.68 553.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 275.14 553.10 Td (using ) Tj ET Q q 0 0 0 rg BT 300.29 553.10 Td (a ) Tj ET Q q 0 0 0 rg BT 308.21 553.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 355.02 553.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 376.27 553.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 398.08 553.10 Td (model ) Tj ET Q q 0 0 0 rg BT 426.56 553.10 Td (using ) Tj ET Q q 0 0 0 rg BT 451.71 553.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.41 553.10 Td (following ) Tj ET Q q 0 0 0 rg BT 509.78 553.10 Td (assumptions: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 541.10 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.16 541.10 Td (quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.25 541.10 Td ( ) Tj ET Q q 0 0 0 rg BT 102.98 541.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 123.47 541.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 164.52 541.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.58 541.10 Td (7.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.41 541.10 Td (; ) Tj ET Q q 0 0 0 rg BT 201.91 541.10 Td (\(2\)a ) Tj ET Q q 0 0 0 rg BT 223.23 541.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 259.84 541.10 Td (date ) Tj ET Q q 0 0 0 rg BT 279.22 541.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.27 541.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 349.08 541.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.08 541.10 Td (; ) Tj ET Q q 0 0 0 rg BT 374.58 541.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.75 541.10 Td (\(3\)an ) Tj ET Q q 0 0 0 rg BT 418.07 541.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 455.23 541.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 491.85 541.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 509.56 541.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.61 541.10 Td (9.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.44 541.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.47 541.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 529.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 86.88 529.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 104.85 529.10 Td (used ) Tj ET Q q 0 0 0 rg BT 126.17 529.10 Td (for ) Tj ET Q q 0 0 0 rg BT 140.82 529.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 185.47 529.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.68 529.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 217.54 529.10 Td (value ) Tj ET Q q 0 0 0 rg BT 242.19 529.10 Td (was ) Tj ET Q q 0 0 0 rg BT 260.73 529.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 308.70 529.10 Td (by ) Tj ET Q q 0 0 0 rg BT 321.69 529.10 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 362.45 529.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 389.33 529.10 Td (for ) Tj ET Q q 0 0 0 rg BT 403.98 529.10 Td (comparably-rated ) Tj ET Q q 0 0 0 rg BT 477.49 529.10 Td (issuers ) Tj ET Q q 0 0 0 rg BT 507.70 529.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 539.01 529.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 529.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 517.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 83.03 517.10 Td (The ) Tj ET Q q 0 0 0 rg BT 101.56 517.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 121.75 517.10 Td (component ) Tj ET Q q 0 0 0 rg BT 169.17 517.10 Td (was ) Tj ET Q q 0 0 0 rg BT 187.70 517.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 225.66 517.10 Td (at ) Tj ET Q q 0 0 0 rg BT 235.86 517.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 252.71 517.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 279.85 517.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.27 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.47 517.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 349.34 517.10 Td (was ) Tj ET Q q 0 0 0 rg BT 367.87 517.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 410.83 517.10 Td (using ) Tj ET Q q 0 0 0 rg BT 435.48 517.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.68 517.10 Td (level ) Tj ET Q q 0 0 0 rg BT 473.09 517.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 496.07 517.10 Td (method ) Tj ET Q q 0 0 0 rg BT 529.04 517.10 Td (over ) Tj ET Q q 0 0 0 rg BT 549.79 517.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 505.10 Td (term ) Tj ET Q q 0 0 0 rg BT 70.83 505.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.66 505.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.37 505.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 141.65 505.10 Td (to ) Tj ET Q q 0 0 0 rg BT 151.92 505.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.64 505.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 210.24 505.10 Td (date ) Tj ET Q q 0 0 0 rg BT 229.39 505.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.22 505.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 298.81 505.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.81 505.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.65 484.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 83.63 484.10 Td (value ) Tj ET Q q 0 0 0 rg BT 107.39 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.82 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.14 484.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 159.23 484.10 Td (component ) Tj ET Q q 0 0 0 rg BT 205.77 484.10 Td (was ) Tj ET Q q 0 0 0 rg BT 223.42 484.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 270.51 484.10 Td (using ) Tj ET Q q 0 0 0 rg BT 294.28 484.10 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 354.14 484.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 393.46 484.10 Td (models ) Tj ET Q q 0 0 0 rg BT 424.45 484.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 455.98 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.86 484.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.18 484.10 Td (range ) Tj ET Q q 0 0 0 rg BT 504.49 484.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.92 484.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 538.13 484.10 Td (prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (contemplated ) Tj ET Q q 0 0 0 rg BT 105.77 472.10 Td (by ) Tj ET Q q 0 0 0 rg BT 117.67 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.79 472.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 155.91 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.14 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.12 472.10 Td (TEU ) Tj ET Q q 0 0 0 rg BT 201.46 472.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.80 472.10 Td (using ) Tj ET Q q 0 0 0 rg BT 241.37 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.49 472.10 Td (following ) Tj ET Q q 0 0 0 rg BT 296.28 472.10 Td (assumptions: ) Tj ET Q q 0 0 0 rg BT 350.41 472.10 Td (\(1\)risk-free ) Tj ET Q q 0 0 0 rg BT 400.34 472.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 431.67 472.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 448.56 472.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.79 472.10 Td (0.95%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.62 472.10 Td (; ) Tj ET Q q 0 0 0 rg BT 489.30 472.10 Td (\(2\)expected ) Tj ET Q q 0 0 0 rg BT 540.90 472.10 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (price ) Tj ET Q q 0 0 0 rg BT 72.49 460.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 111.09 460.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.37 460.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.09 460.10 Td (range ) Tj ET Q q 0 0 0 rg BT 160.80 460.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.63 460.10 Td (35%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.96 460.10 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.29 460.10 Td (45%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.62 460.10 Td (; ) Tj ET Q q 0 0 0 rg BT 216.89 460.10 Td (\(3\)dividend ) Tj ET Q q 0 0 0 rg BT 268.55 460.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 291.04 460.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 310.21 460.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 333.82 460.10 Td (borrow ) Tj ET Q q 0 0 0 rg BT 365.21 460.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 383.81 460.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.64 460.10 Td (0.85%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.47 460.10 Td (; ) Tj ET Q q 0 0 0 rg BT 425.75 460.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.69 460.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 456.85 460.10 Td (term ) Tj ET Q q 0 0 0 rg BT 477.68 460.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.51 460.10 Td (3.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.01 460.10 Td ( ) Tj ET Q q 0 0 0 rg BT 508.51 460.10 Td (years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 439.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 71.33 439.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 96.56 439.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 149.56 439.10 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 194.22 439.10 Td (note, ) Tj ET Q q 0 0 0 rg BT 215.29 439.10 Td (which ) Tj ET Q q 0 0 0 rg BT 241.07 439.10 Td (had ) Tj ET Q q 0 0 0 rg BT 256.85 439.10 Td (an ) Tj ET Q q 0 0 0 rg BT 267.63 439.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 292.31 439.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 329.19 439.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 360.53 439.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.21 439.10 Td ($9.728182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.71 439.10 Td (, ) Tj ET Q q 0 0 0 rg BT 416.55 439.10 Td (had ) Tj ET Q q 0 0 0 rg BT 432.33 439.10 Td (a ) Tj ET Q q 0 0 0 rg BT 438.12 439.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 462.79 439.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 493.56 439.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 509.89 439.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.57 439.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.91 439.10 Td (9.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.74 439.10 Td (per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 427.10 Td (annum, ) Tj ET Q q 0 0 0 rg BT 82.79 427.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.30 427.10 Td (had ) Tj ET Q q 0 0 0 rg BT 117.81 427.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.32 427.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 168.37 427.10 Td (final ) Tj ET Q q 0 0 0 rg BT 189.77 427.10 Td (installment ) Tj ET Q q 0 0 0 rg BT 237.28 427.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 274.79 427.10 Td (date ) Tj ET Q q 0 0 0 rg BT 294.51 427.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.91 427.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 365.07 427.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.07 427.10 Td (. ) Tj ET Q q 0 0 0 rg BT 390.64 427.10 Td (On ) Tj ET Q q 0 0 0 rg BT 405.93 427.10 Td (each ) Tj ET Q q 0 0 0 rg BT 427.32 427.10 Td (March15,June15,September15 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 415.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.88 415.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 125.40 415.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.05 415.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 181.38 415.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 201.03 415.10 Td (equal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.13 415.10 Td (quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.22 415.10 Td ( ) Tj ET Q q 0 0 0 rg BT 263.66 415.10 Td (installments ) Tj ET Q q 0 0 0 rg BT 314.43 415.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.19 415.10 Td ($0.9375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.69 415.10 Td ( ) Tj ET Q q 0 0 0 rg BT 360.13 415.10 Td (on ) Tj ET Q q 0 0 0 rg BT 372.57 415.10 Td (each ) Tj ET Q q 0 0 0 rg BT 393.32 415.10 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 439.08 415.10 Td (note. ) Tj ET Q q 0 0 0 rg BT 461.06 415.10 Td (The ) Tj ET Q q 0 0 0 rg BT 479.04 415.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 517.58 415.10 Td (installment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 403.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 83.51 403.10 Td (at ) Tj ET Q q 0 0 0 rg BT 93.14 403.10 Td (March15, ) Tj ET Q q 0 0 0 rg BT 136.66 403.10 Td (201) Tj ET Q q 0 0 0 rg BT 151.29 403.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 161.21 403.10 Td (however) Tj ET Q q 0 0 0 rg BT 195.23 403.10 Td (, ) Tj ET Q q 0 0 0 rg BT 200.15 403.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.12 403.10 Td ($0.989583) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.62 403.10 Td (. ) Tj ET Q q 0 0 0 rg BT 265.54 403.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 287.94 403.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 324.79 403.10 Td (constituted ) Tj ET Q q 0 0 0 rg BT 371.09 403.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.94 403.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 414.79 403.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.54 403.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 457.39 403.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.25 403.10 Td (a ) Tj ET Q q 0 0 0 rg BT 481.10 403.10 Td (partial ) Tj ET Q q 0 0 0 rg BT 509.06 403.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 553.68 403.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 391.10 Td (principal. ) Tj ET Q q 0 0 0 rg BT 90.54 391.10 Td ( ) Tj ET Q q 0 0 0 rg BT 92.86 391.10 Td (The ) Tj ET Q q 0 0 0 rg BT 110.91 391.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 147.29 391.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 169.79 391.10 Td (were ) Tj ET Q q 0 0 0 rg BT 191.71 391.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 234.19 391.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.47 391.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 276.41 391.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 311.11 391.10 Td (using ) Tj ET Q q 0 0 0 rg BT 335.28 391.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.00 391.10 Td (ef) Tj ET Q q 0 0 0 rg BT 357.59 391.10 Td (fective-interest ) Tj ET Q q 0 0 0 rg BT 420.05 391.10 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 72.74 370.10 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 105.48 370.10 Td (common ) Tj ET Q q 0 0 0 rg BT 143.23 370.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 167.10 370.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 205.39 370.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 240.35 370.10 Td (automatically ) Tj ET Q q 0 0 0 rg BT 297.52 370.10 Td (settled ) Tj ET Q q 0 0 0 rg BT 326.38 370.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.14 370.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 397.98 370.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.98 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.73 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.93 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.90 370.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 494.54 370.10 Td (delivered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.50 370.10 Td (1.3333) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.50 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.34 358.10 Td (its ) Tj ET Q q 0 0 0 rg BT 100.31 358.10 Td (common ) Tj ET Q q 0 0 0 rg BT 137.81 358.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 161.43 358.10 Td (based ) Tj ET Q q 0 0 0 rg BT 186.71 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 199.23 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.96 358.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 257.56 358.10 Td (market ) Tj ET Q q 0 0 0 rg BT 287.83 358.10 Td (value ) Tj ET Q q 0 0 0 rg BT 312.00 358.10 Td (at ) Tj ET Q q 0 0 0 rg BT 321.73 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 339.24 358.10 Td (time ) Tj ET Q q 0 0 0 rg BT 359.52 358.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 377.58 358.10 Td (average ) Tj ET Q q 0 0 0 rg BT 411.18 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.02 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.75 358.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 469.26 358.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 508.42 358.10 Td (average ) Tj ET Q q 0 0 0 rg BT 542.02 358.10 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.92 346.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 102.40 346.10 Td (common ) Tj ET Q q 0 0 0 rg BT 139.99 346.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 163.69 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 177.94 346.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.75 346.10 Td (twenty) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.97 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 222.56 346.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.89 346.10 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.89 346.10 Td (\)consecutive ) Tj ET Q q 0 0 0 rg BT 291.52 346.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 322.44 346.10 Td (days ) Tj ET Q q 0 0 0 rg BT 343.36 346.10 Td (ending ) Tj ET Q q 0 0 0 rg BT 373.17 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 385.76 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.57 346.10 Td (third ) Tj ET Q q 0 0 0 rg BT 422.05 346.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 452.97 346.10 Td (day ) Tj ET Q q 0 0 0 rg BT 470.00 346.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 522.58 346.10 Td (preceding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (December15, ) Tj ET Q q 0 0 0 rg BT 107.58 334.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.58 334.10 Td (\). ) Tj ET Q q 0 0 0 rg BT 134.90 334.10 Td (Upon ) Tj ET Q q 0 0 0 rg BT 158.61 334.10 Td (settlement, ) Tj ET Q q 0 0 0 rg BT 203.70 334.10 Td (an ) Tj ET Q q 0 0 0 rg BT 214.63 334.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 246.12 334.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 269.27 334.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.54 334.10 Td ($1.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.04 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 302.53 334.10 Td (per ) Tj ET Q q 0 0 0 rg BT 316.79 334.10 Td (common ) Tj ET Q q 0 0 0 rg BT 353.27 334.10 Td (share ) Tj ET Q q 0 0 0 rg BT 375.86 334.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 402.36 334.10 Td (was ) Tj ET Q q 0 0 0 rg BT 419.40 334.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 466.42 334.10 Td (from ) Tj ET Q q 0 0 0 rg BT 487.35 334.10 Td (surplus ) Tj ET Q q 0 0 0 rg BT 517.74 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.01 334.10 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (stock.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 301.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 76.76 301.10 Td (A) Tj ET Q q 0 0 0 rg BT 82.69 301.10 Td ( Pr) Tj ET Q q 0 0 0 rg BT 94.81 301.10 Td (eferr) Tj ET Q q 0 0 0 rg BT 113.88 301.10 Td (ed Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.44 280.10 Td (August ) Tj ET Q q 0 0 0 rg BT 92.05 280.10 Td (2008, ) Tj ET Q q 0 0 0 rg BT 117.26 280.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.19 280.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.79 280.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 201.50 280.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.65 280.10 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.03 280.10 Td (50,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.53 280.10 Td ( ) Tj ET Q q 0 0 0 rg BT 268.25 280.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 295.95 280.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.99 280.10 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 372.46 280.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 412.38 280.10 Td (convertible ) Tj ET Q q 0 0 0 rg BT 460.07 280.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 499.42 280.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 525.74 280.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 552.29 280.10 Td (A, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 95.55 268.10 Td (preference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.96 268.10 Td ($1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.46 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 169.69 268.10 Td (per ) Tj ET Q q 0 0 0 rg BT 184.68 268.10 Td (share ) Tj ET Q q 0 0 0 rg BT 208.00 268.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 225.77 268.10 Td ("Series ) Tj ET Q q 0 0 0 rg BT 256.03 268.10 Td (A) Tj ET Q q 0 0 0 rg BT 262.70 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 264.92 268.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 304.34 268.10 Td (Stock"\) ) Tj ET Q q 0 0 0 rg BT 336.76 268.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.64 268.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 367.86 268.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.76 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.98 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 408.98 268.10 Td (a ) Tj ET Q q 0 0 0 rg BT 415.64 268.10 Td (private ) Tj ET Q q 0 0 0 rg BT 445.63 268.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 494.23 268.10 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 537.56 268.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 268.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 77.29 256.10 Td (A) Tj ET Q q 0 0 0 rg BT 83.96 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 87.62 256.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 128.48 256.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 154.92 256.10 Td (were ) Tj ET Q q 0 0 0 rg BT 178.02 256.10 Td (payable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.77 256.10 Td (quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.86 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 252.53 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.97 256.10 Td (arrears ) Tj ET Q q 0 0 0 rg BT 294.83 256.10 Td (at ) Tj ET Q q 0 0 0 rg BT 305.71 256.10 Td (a ) Tj ET Q q 0 0 0 rg BT 313.81 256.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 332.45 256.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.45 256.10 Td (8.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.28 256.10 Td (per ) Tj ET Q q 0 0 0 rg BT 389.21 256.10 Td (annum. ) Tj ET Q q 0 0 0 rg BT 422.32 256.10 Td (The ) Tj ET Q q 0 0 0 rg BT 441.53 256.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 468.82 256.10 Td (A) Tj ET Q q 0 0 0 rg BT 475.49 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 479.15 256.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 520.01 256.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 546.45 256.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 244.10 Td (convertible ) Tj ET Q q 0 0 0 rg BT 97.02 244.10 Td (into ) Tj ET Q q 0 0 0 rg BT 114.61 244.10 Td (common ) Tj ET Q q 0 0 0 rg BT 151.65 244.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 174.79 244.10 Td (at ) Tj ET Q q 0 0 0 rg BT 184.05 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.31 244.10 Td (option ) Tj ET Q q 0 0 0 rg BT 225.90 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.27 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.52 244.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 278.11 244.10 Td (at ) Tj ET Q q 0 0 0 rg BT 287.37 244.10 Td (a ) Tj ET Q q 0 0 0 rg BT 293.84 244.10 Td (conversion ) Tj ET Q q 0 0 0 rg BT 339.76 244.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 356.78 244.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.15 244.10 Td (38.88) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 244.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.69 244.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 418.72 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 429.09 244.10 Td (common ) Tj ET Q q 0 0 0 rg BT 466.12 244.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 489.27 244.10 Td (per ) Tj ET Q q 0 0 0 rg BT 504.07 244.10 Td (share ) Tj ET Q q 0 0 0 rg BT 527.21 244.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.58 244.10 Td (Series ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.80 232.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 100.13 232.10 Td (Stock. ) Tj ET Q q 0 0 0 rg BT 128.55 232.10 Td (On ) Tj ET Q q 0 0 0 rg BT 143.90 232.10 Td (July ) Tj ET Q q 0 0 0 rg BT 163.71 232.10 Td (19, ) Tj ET Q q 0 0 0 rg BT 179.34 232.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 204.97 232.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 242.55 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 253.46 232.10 Td (such ) Tj ET Q q 0 0 0 rg BT 274.92 232.10 Td (terms, ) Tj ET Q q 0 0 0 rg BT 302.77 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.12 232.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 346.80 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.27 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.62 232.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 400.50 232.10 Td (A) Tj ET Q q 0 0 0 rg BT 407.17 232.10 Td ( ) Tj ET Q q 0 0 0 rg BT 410.30 232.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 450.63 232.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 476.55 232.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 507.99 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.90 232.10 Td (convert ) Tj ET Q q 0 0 0 rg BT 552.02 232.10 Td (all ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (50,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.50 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.00 220.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 107.49 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.32 220.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 144.71 220.10 Td (A) Tj ET Q q 0 0 0 rg BT 151.38 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 153.88 220.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 193.57 220.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 218.85 220.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.91 220.10 Td (1,944,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.91 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.41 220.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 306.90 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.73 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.45 220.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 379.53 220.10 Td (common ) Tj ET Q q 0 0 0 rg BT 417.02 220.10 Td (stock, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.13 220.10 Td (no) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.13 220.10 Td ( ) Tj ET Q q 0 0 0 rg BT 455.63 220.10 Td (par ) Tj ET Q q 0 0 0 rg BT 470.90 220.10 Td (value.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 199.10 Td (Series C Pr) Tj ET Q q 0 0 0 rg BT 95.74 199.10 Td (eferr) Tj ET Q q 0 0 0 rg BT 114.80 199.10 Td (ed Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.88 182.10 Td (March ) Tj ET Q q 0 0 0 rg BT 89.52 182.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 114.57 182.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.33 182.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 170.76 182.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 198.31 182.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.30 182.10 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.51 182.10 Td (126,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.01 182.10 Td ( ) Tj ET Q q 0 0 0 rg BT 269.56 182.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 297.09 182.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.97 182.10 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 373.28 182.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 413.02 182.10 Td (convertible ) Tj ET Q q 0 0 0 rg BT 460.55 182.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 499.73 182.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 525.89 182.10 Td (SeriesC, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 95.91 170.10 Td (preference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.66 170.10 Td ($1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.16 170.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.74 170.10 Td (per ) Tj ET Q q 0 0 0 rg BT 186.08 170.10 Td (share ) Tj ET Q q 0 0 0 rg BT 209.76 170.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 227.88 170.10 Td (SeriesC ) Tj ET Q q 0 0 0 rg BT 268.50 170.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 308.28 170.10 Td (Stock\) ) Tj ET Q q 0 0 0 rg BT 341.40 170.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.63 170.10 Td ($126.5 ) Tj ET Q q 0 0 0 rg BT 385.71 170.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.60 170.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.18 170.10 Td (in ) Tj ET Q q 0 0 0 rg BT 427.53 170.10 Td (a ) Tj ET Q q 0 0 0 rg BT 434.55 170.10 Td (public ) Tj ET Q q 0 0 0 rg BT 462.12 170.10 Td (of) Tj ET Q q 0 0 0 rg BT 470.27 170.10 Td (fering. ) Tj ET Q q 0 0 0 rg BT 499.03 170.10 Td (When, ) Tj ET Q q 0 0 0 rg BT 527.99 170.10 Td (as ) Tj ET Q q 0 0 0 rg BT 538.89 170.10 Td (and ) Tj ET Q q 0 0 0 rg BT 555.91 170.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.10 Td (declared, ) Tj ET Q q 0 0 0 rg BT 89.09 158.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 130.71 158.10 Td (on ) Tj ET Q q 0 0 0 rg BT 143.43 158.10 Td (the ) Tj ET Q q 0 0 0 rg BT 158.38 158.10 Td (SeriesC ) Tj ET Q q 0 0 0 rg BT 194.72 158.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 234.64 158.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 260.15 158.10 Td (are ) Tj ET Q q 0 0 0 rg BT 275.08 158.10 Td (payable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.91 158.10 Td (quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 158.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.73 158.10 Td (in ) Tj ET Q q 0 0 0 rg BT 358.24 158.10 Td (arrears ) Tj ET Q q 0 0 0 rg BT 388.16 158.10 Td (at ) Tj ET Q q 0 0 0 rg BT 398.11 158.10 Td (a ) Tj ET Q q 0 0 0 rg BT 405.27 158.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 422.99 158.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.05 158.10 Td (5.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.88 158.10 Td (per ) Tj ET Q q 0 0 0 rg BT 477.87 158.10 Td (annum. ) Tj ET Q q 0 0 0 rg BT 510.12 158.10 Td (The ) Tj ET Q q 0 0 0 rg BT 528.40 158.10 Td (SeriesC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 89.96 146.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 115.50 146.10 Td (is ) Tj ET Q q 0 0 0 rg BT 124.93 146.10 Td (convertible ) Tj ET Q q 0 0 0 rg BT 172.67 146.10 Td (into ) Tj ET Q q 0 0 0 rg BT 190.99 146.10 Td (common ) Tj ET Q q 0 0 0 rg BT 228.75 146.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 252.61 146.10 Td (at ) Tj ET Q q 0 0 0 rg BT 262.59 146.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.57 146.10 Td (option ) Tj ET Q q 0 0 0 rg BT 305.89 146.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.98 146.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.96 146.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 360.27 146.10 Td (at ) Tj ET Q q 0 0 0 rg BT 370.24 146.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.44 146.10 Td (conversion ) Tj ET Q q 0 0 0 rg BT 424.08 146.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 441.83 146.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.92 146.10 Td (24.3132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.42 146.10 Td ( ) Tj ET Q q 0 0 0 rg BT 488.18 146.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 515.93 146.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.02 146.10 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 73.56 134.10 Td (per ) Tj ET Q q 0 0 0 rg BT 88.78 134.10 Td (share ) Tj ET Q q 0 0 0 rg BT 112.33 134.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.11 134.10 Td (SeriesC ) Tj ET Q q 0 0 0 rg BT 159.17 134.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 198.81 134.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 224.04 134.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 254.82 134.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.04 134.10 Td (customary ) Tj ET Q q 0 0 0 rg BT 309.15 134.10 Td (anti-dilution ) Tj ET Q q 0 0 0 rg BT 361.04 134.10 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 413.76 134.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.21 134.10 Td (In ) Tj ET Q q 0 0 0 rg BT 426.99 134.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 451.94 134.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 488.83 134.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.06 134.10 Td (such ) Tj ET Q q 0 0 0 rg BT 519.84 134.10 Td (terms, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.01 134.10 Td (180) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.51 122.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.35 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.09 122.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 130.04 122.10 Td (C ) Tj ET Q q 0 0 0 rg BT 139.23 122.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 178.95 122.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 204.24 122.10 Td (were ) Tj ET Q q 0 0 0 rg BT 226.19 122.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 268.13 122.10 Td (at ) Tj ET Q q 0 0 0 rg BT 277.86 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.60 122.10 Td (option ) Tj ET Q q 0 0 0 rg BT 320.67 122.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.52 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.25 122.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 389.30 122.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 421.25 122.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.33 122.10 Td (4,374) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.83 122.10 Td ( ) Tj ET Q q 0 0 0 rg BT 464.35 122.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 491.85 122.10 Td (of ) Tj ET Q q 0 0 0 rg BT 502.70 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.43 122.10 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.31 110.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 113.24 110.10 Td (In ) Tj ET Q q 0 0 0 rg BT 123.89 110.10 Td (2014, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.71 110.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.71 110.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.03 110.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 188.34 110.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.99 110.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.53 110.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 240.28 110.10 Td (C ) Tj ET Q q 0 0 0 rg BT 249.27 110.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 288.79 110.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 313.89 110.10 Td (were ) Tj ET Q q 0 0 0 rg BT 335.63 110.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 377.38 110.10 Td (at ) Tj ET Q q 0 0 0 rg BT 386.91 110.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.45 110.10 Td (option ) Tj ET Q q 0 0 0 rg BT 429.33 110.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.98 110.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.51 110.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 497.36 110.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 529.12 110.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.00 110.10 Td (244) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 76.93 98.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.20 98.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.36 98.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 147.88 98.10 Td (common ) Tj ET Q q 0 0 0 rg BT 184.82 98.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 210.37 98.10 Td (On ) Tj ET Q q 0 0 0 rg BT 224.53 98.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.91 98.10 Td (after ) Tj ET Q q 0 0 0 rg BT 260.74 98.10 Td (April15, ) Tj ET Q q 0 0 0 rg BT 298.79 98.10 Td (2017, ) Tj ET Q q 0 0 0 rg BT 323.23 98.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.38 98.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 378.21 98.10 Td (will ) Tj ET Q q 0 0 0 rg BT 395.71 98.10 Td (have ) Tj ET Q q 0 0 0 rg BT 416.53 98.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.69 98.10 Td (right ) Tj ET Q q 0 0 0 rg BT 451.51 98.10 Td (under ) Tj ET Q q 0 0 0 rg BT 476.22 98.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 505.37 98.10 Td (circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.68 86.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 85.80 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.92 86.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 128.26 86.10 Td (C ) Tj ET Q q 0 0 0 rg BT 137.84 86.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 177.94 86.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 203.62 86.10 Td (to ) Tj ET Q q 0 0 0 rg BT 214.31 86.10 Td (be ) Tj ET Q q 0 0 0 rg BT 226.65 86.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 268.98 86.10 Td (into ) Tj ET Q q 0 0 0 rg BT 287.44 86.10 Td (common ) Tj ET Q q 0 0 0 rg BT 325.34 86.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 349.36 86.10 Td (if ) Tj ET Q q 0 0 0 rg BT 358.37 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.49 86.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 405.28 86.10 Td (price ) Tj ET Q q 0 0 0 rg BT 428.17 86.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.41 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.53 86.10 Td (Company) Tj ET Q q 0 0 0 rg BT 496.20 86.10 Td (s ) Tj ET Q q 0 0 0 rg BT 502.99 86.10 Td (common ) Tj ET Q q 0 0 0 rg BT 540.89 86.10 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 84.15 74.10 Td (a ) Tj ET Q q 0 0 0 rg BT 91.08 74.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 120.79 74.10 Td (amount.) Tj ET Q endstream endobj 325 0 obj <> endobj 326 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (162) Tj ET Q BT /F1 10.00 Tf ET BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 76.94 742.10 Td (D ) Tj ET Q q 0 0 0 rg BT 86.66 742.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 96.29 742.10 Td (eferr) Tj ET Q q 0 0 0 rg BT 115.36 742.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 127.29 742.10 Td (Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 62.06 718.10 Td (June ) Tj ET Q q 0 0 0 rg BT 84.13 718.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 110.36 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.31 718.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 168.94 718.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 197.67 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.84 718.10 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.25 718.10 Td (5,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.25 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.98 718.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 308.71 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.77 718.10 Td (fixed-to-floating ) Tj ET Q q 0 0 0 rg BT 390.59 718.10 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 457.09 718.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 498.02 718.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 538.39 718.10 Td (stock, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (SeriesD, ) Tj ET Q q 0 0 0 rg BT 89.15 706.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 134.96 706.10 Td (preference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.63 706.10 Td ($25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.63 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 197.12 706.10 Td (per ) Tj ET Q q 0 0 0 rg BT 212.38 706.10 Td (share ) Tj ET Q q 0 0 0 rg BT 235.96 706.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 253.99 706.10 Td (SeriesD ) Tj ET Q q 0 0 0 rg BT 295.08 706.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 334.76 706.10 Td (Stock\) ) Tj ET Q q 0 0 0 rg BT 367.80 706.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.94 706.10 Td ($125.0 ) Tj ET Q q 0 0 0 rg BT 411.93 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.82 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 443.31 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 453.58 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 460.50 706.10 Td (public ) Tj ET Q q 0 0 0 rg BT 487.98 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 496.13 706.10 Td (fering. ) Tj ET Q q 0 0 0 rg BT 524.82 706.10 Td (When, ) Tj ET Q q 0 0 0 rg BT 553.68 706.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.45 694.10 Td (if ) Tj ET Q q 0 0 0 rg BT 74.57 694.10 Td (declared, ) Tj ET Q q 0 0 0 rg BT 112.94 694.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 153.84 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 165.85 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.08 694.10 Td (SeriesD ) Tj ET Q q 0 0 0 rg BT 216.25 694.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 255.46 694.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 280.25 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 294.46 694.10 Td (payable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.57 694.10 Td (quarterly) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.66 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 365.67 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 375.46 694.10 Td (arrears ) Tj ET Q q 0 0 0 rg BT 404.67 694.10 Td (at ) Tj ET Q q 0 0 0 rg BT 413.90 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 420.35 694.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 442.90 694.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 459.90 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.24 694.10 Td (6.50%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.07 694.10 Td (per ) Tj ET Q q 0 0 0 rg BT 513.35 694.10 Td (annum ) Tj ET Q q 0 0 0 rg BT 542.58 694.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.27 682.10 Td (original ) Tj ET Q q 0 0 0 rg BT 99.43 682.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 136.36 682.10 Td (date ) Tj ET Q q 0 0 0 rg BT 156.07 682.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 169.40 682.10 Td (but ) Tj ET Q q 0 0 0 rg BT 185.23 682.10 Td (excluding, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.22 682.10 Td (July15, ) Tj ET Q q 0 0 0 rg BT 264.94 682.10 Td (2025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.94 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 290.49 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.98 682.10 Td (from ) Tj ET Q q 0 0 0 rg BT 330.48 682.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 351.30 682.10 Td (including\) ) Tj ET Q q 0 0 0 rg BT 395.45 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 413.50 682.10 Td (date ) Tj ET Q q 0 0 0 rg BT 433.21 682.10 Td (at ) Tj ET Q q 0 0 0 rg BT 443.48 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 450.97 682.10 Td (floating ) Tj ET Q q 0 0 0 rg BT 485.13 682.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 503.17 682.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 527.88 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 538.71 682.10 Td (three-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (month ) Tj ET Q q 0 0 0 rg BT 78.06 670.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 110.56 670.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 129.73 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 136.67 670.10 Td (spread ) Tj ET Q q 0 0 0 rg BT 165.26 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.09 670.10 Td (4.06%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.92 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 204.42 670.10 Td (per ) Tj ET Q q 0 0 0 rg BT 219.69 670.10 Td (annum.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 649.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 88.61 649.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 112.77 649.10 Td (W) Tj ET Q q 0 0 0 rg BT 120.18 649.10 Td (arrants) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 632.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 87.73 632.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.23 632.10 Td (the ) Tj ET Q q 0 0 0 rg BT 113.17 632.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 133.68 632.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 183.61 632.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.67 632.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.41 632.10 Td (T) Tj ET Q q 0 0 0 rg BT 215.17 632.10 Td (reasury) Tj ET Q q 0 0 0 rg BT 247.38 632.10 Td (s ) Tj ET Q q 0 0 0 rg BT 253.99 632.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 272.27 632.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 297.02 632.10 Td (T) Tj ET Q q 0 0 0 rg BT 302.77 632.10 Td (reasury\) ) Tj ET Q q 0 0 0 rg BT 342.70 632.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 374.31 632.10 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 413.13 632.10 Td (Program, ) Tj ET Q q 0 0 0 rg BT 452.79 632.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.52 632.10 Td (December ) Tj ET Q q 0 0 0 rg BT 509.33 632.10 Td (19, ) Tj ET Q q 0 0 0 rg BT 524.56 632.10 Td (2008, ) Tj ET Q q 0 0 0 rg BT 549.78 632.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 620.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.89 620.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 119.89 620.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.67 620.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.88 620.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 166.45 620.10 Td (T) Tj ET Q q 0 0 0 rg BT 172.21 620.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 204.64 620.10 Td (a ) Tj ET Q q 0 0 0 rg BT 212.08 620.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 245.61 620.10 Td (to ) Tj ET Q q 0 0 0 rg BT 256.39 620.10 Td (exercise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.15 620.10 Td (1,643,295) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.15 620.10 Td ( ) Tj ET Q q 0 0 0 rg BT 335.15 620.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 368.68 620.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 396.68 620.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.79 620.10 Td (W) Tj ET Q q 0 0 0 rg BT 416.83 620.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 445.38 620.10 Td (common ) Tj ET Q q 0 0 0 rg BT 483.38 620.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 507.49 620.10 Td (at ) Tj ET Q q 0 0 0 rg BT 517.71 620.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.15 620.10 Td (per ) Tj ET Q q 0 0 0 rg BT 540.91 620.10 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 608.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 85.25 608.10 Td (price ) Tj ET Q q 0 0 0 rg BT 107.74 608.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 118.57 608.10 Td ($22.82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.07 608.10 Td (, ) Tj ET Q q 0 0 0 rg BT 151.07 608.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 181.89 608.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.17 608.10 Td (customary ) Tj ET Q q 0 0 0 rg BT 236.33 608.10 Td (anti-dilution ) Tj ET Q q 0 0 0 rg BT 288.27 608.10 Td (adjustments, ) Tj ET Q q 0 0 0 rg BT 341.04 608.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.98 608.10 Td (with ) Tj ET Q q 0 0 0 rg BT 378.26 608.10 Td (a ) Tj ET Q q 0 0 0 rg BT 385.20 608.10 Td (term ) Tj ET Q q 0 0 0 rg BT 406.02 608.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.85 608.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.85 608.10 Td ( ) Tj ET Q q 0 0 0 rg BT 429.35 608.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 455.45 608.10 Td (In ) Tj ET Q q 0 0 0 rg BT 466.28 608.10 Td (February ) Tj ET Q q 0 0 0 rg BT 504.88 608.10 Td (201) Tj ET Q q 0 0 0 rg BT 519.51 608.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 529.51 608.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.22 608.10 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 596.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 596.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 87.25 596.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 105.97 596.10 Td (all ) Tj ET Q q 0 0 0 rg BT 118.03 596.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.42 596.10 Td (its ) Tj ET Q q 0 0 0 rg BT 139.93 596.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 171.42 596.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.26 596.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.53 596.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 228.13 596.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 255.19 596.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.03 596.10 Td (it ) Tj ET Q q 0 0 0 rg BT 272.64 596.10 Td (in ) Tj ET Q q 0 0 0 rg BT 282.48 596.10 Td (a ) Tj ET Q q 0 0 0 rg BT 288.98 596.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 331.58 596.10 Td (underwritten ) Tj ET Q q 0 0 0 rg BT 384.73 596.10 Td (public ) Tj ET Q q 0 0 0 rg BT 411.79 596.10 Td (of) Tj ET Q q 0 0 0 rg BT 419.93 596.10 Td (fering. ) Tj ET Q q 0 0 0 rg BT 448.37 596.10 Td (During ) Tj ET Q q 0 0 0 rg BT 478.76 596.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 503.32 596.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 532.58 596.10 Td (holders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 584.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.52 584.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.93 584.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 109.55 584.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.52 584.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.93 584.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 169.66 584.10 Td (exercised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.60 584.10 Td (569,985) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.10 584.10 Td ( ) Tj ET Q q 0 0 0 rg BT 246.29 584.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 280.02 584.10 Td (shares, ) Tj ET Q q 0 0 0 rg BT 310.70 584.10 Td (which ) Tj ET Q q 0 0 0 rg BT 338.33 584.10 Td (resulted ) Tj ET Q q 0 0 0 rg BT 373.18 584.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.15 584.10 Td (313,751) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.65 584.10 Td ( ) Tj ET Q q 0 0 0 rg BT 419.84 584.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 448.02 584.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.54 584.10 Td (common ) Tj ET Q q 0 0 0 rg BT 497.73 584.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 522.03 584.10 Td (issued. ) Tj ET Q q 0 0 0 rg BT 552.01 584.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.10 Td (December ) Tj ET Q q 0 0 0 rg BT 93.58 572.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 108.58 572.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 133.58 572.10 Td (all ) Tj ET Q q 0 0 0 rg BT 146.08 572.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 189.12 572.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 221.06 572.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.89 572.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.61 572.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 278.54 572.10 Td (in ) Tj ET Q q 0 0 0 rg BT 288.82 572.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.54 572.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 336.57 572.10 Td (were ) Tj ET Q q 0 0 0 rg BT 358.50 572.10 Td (able ) Tj ET Q q 0 0 0 rg BT 377.66 572.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.93 572.10 Td (exercise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.19 572.10 Td (367,432) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.69 572.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.19 572.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 491.23 572.10 Td (shares. ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 548.10 Td (Other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.62 524.10 Td (July ) Tj ET Q q 0 0 0 rg BT 79.59 524.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 104.38 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.89 524.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 160.07 524.10 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.37 524.10 Td (388,573) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.87 524.10 Td ( ) Tj ET Q q 0 0 0 rg BT 222.16 524.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 249.45 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.07 524.10 Td (its ) Tj ET Q q 0 0 0 rg BT 271.81 524.10 Td (common ) Tj ET Q q 0 0 0 rg BT 309.10 524.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 332.50 524.10 Td (in ) Tj ET Q q 0 0 0 rg BT 342.58 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.09 524.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 403.26 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.89 524.10 Td (CFIS. ) Tj ET Q q 0 0 0 rg BT 439.80 524.10 Td (In ) Tj ET Q q 0 0 0 rg BT 450.43 524.10 Td (January ) Tj ET Q q 0 0 0 rg BT 483.82 524.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 508.61 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 524.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.10 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 77.24 512.10 Td (422,122) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.74 512.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.99 512.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 139.22 512.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.79 512.10 Td (its ) Tj ET Q q 0 0 0 rg BT 161.48 512.10 Td (common ) Tj ET Q q 0 0 0 rg BT 198.72 512.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 222.07 512.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.09 512.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.55 512.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 292.68 512.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.25 512.10 Td (Delavan. ) Tj ET Q q 0 0 0 rg BT 341.31 512.10 Td (In ) Tj ET Q q 0 0 0 rg BT 351.88 512.10 Td (May ) Tj ET Q q 0 0 0 rg BT 372.45 512.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 397.19 512.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.65 512.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 452.78 512.10 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.03 512.10 Td (648,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.53 512.10 Td ( ) Tj ET Q q 0 0 0 rg BT 514.77 512.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 542.00 512.10 Td (of ) Tj ET Q q 0 0 0 rg BT 552.57 512.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.50 500.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 111.10 500.10 Td (in ) Tj ET Q q 0 0 0 rg BT 121.38 500.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.10 500.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 182.48 500.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.31 500.10 Td (FNBI. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.10 Td (At ) Tj ET Q q 0 0 0 rg BT 62.31 476.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.84 476.10 Td (January ) Tj ET Q q 0 0 0 rg BT 110.25 476.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 132.56 476.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 159.31 476.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.96 476.10 Td (Directors ) Tj ET Q q 0 0 0 rg BT 209.48 476.10 Td (meeting, ) Tj ET Q q 0 0 0 rg BT 246.50 476.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.25 476.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 291.66 476.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 311.74 476.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 349.04 476.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.69 476.10 Td ($0.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.19 476.10 Td ( ) Tj ET Q q 0 0 0 rg BT 384.50 476.10 Td (per ) Tj ET Q q 0 0 0 rg BT 399.58 476.10 Td (share ) Tj ET Q q 0 0 0 rg BT 422.99 476.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.32 476.10 Td ($0.48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.82 476.10 Td ( ) Tj ET Q q 0 0 0 rg BT 451.13 476.10 Td (on ) Tj ET Q q 0 0 0 rg BT 463.44 476.10 Td (an ) Tj ET Q q 0 0 0 rg BT 475.19 476.10 Td (annualized ) Tj ET Q q 0 0 0 rg BT 520.82 476.10 Td (basis\) ) Tj ET Q q 0 0 0 rg BT 546.46 476.10 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 464.10 Td (declared. ) Tj ET Q q 0 0 0 rg BT 88.86 464.10 Td (It ) Tj ET Q q 0 0 0 rg BT 97.47 464.10 Td (was ) Tj ET Q q 0 0 0 rg BT 115.52 464.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 135.24 464.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.74 464.10 Td (February25, ) Tj ET Q q 0 0 0 rg BT 201.34 464.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.34 464.10 Td ( ) Tj ET Q q 0 0 0 rg BT 223.84 464.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.12 464.10 Td (shareholders ) Tj ET Q q 0 0 0 rg BT 287.15 464.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.98 464.10 Td (record ) Tj ET Q q 0 0 0 rg BT 326.02 464.10 Td (as ) Tj ET Q q 0 0 0 rg BT 336.85 464.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.68 464.10 Td (February1) Tj ET Q q 0 0 0 rg BT 390.91 464.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 400.91 464.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.91 464.10 Td (. ) Tj ET Q endstream endobj 327 0 obj <> endobj 328 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (163) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.95 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.24 742.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 134.97 742.10 Td (summarize ) Tj ET Q q 0 0 0 rg BT 181.25 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.87 742.10 Td (components ) Tj ET Q q 0 0 0 rg BT 246.60 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.33 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 280.28 742.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 343.22 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 375.05 742.10 Td (\(loss\), ) Tj ET Q q 0 0 0 rg BT 402.18 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 442.36 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.98 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 486.58 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 518.42 742.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 533.04 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 540.63 742.10 Td (fects, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.88 730.10 Td (years ) Tj ET Q q 0 0 0 rg BT 102.48 730.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.19 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 190.78 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.78 730.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.78 730.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.78 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 238.28 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.21 730.10 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.21 730.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 657.60 223.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 657.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 657.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 657.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 657.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 657.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 657.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 657.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 657.60 75.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 623.60 223.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 623.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 623.60 66.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 623.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 623.60 66.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 623.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 623.60 66.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 623.60 4.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 623.60 75.00 -21.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 557.60 223.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 557.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 557.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 557.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 557.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 557.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 557.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 557.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 557.60 75.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 522.60 223.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 522.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 522.60 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 522.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 522.60 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 522.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 522.60 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 522.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 522.60 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 494.60 223.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 494.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 494.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 494.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 494.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 494.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 494.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 494.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 494.60 75.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 449.60 223.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 449.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 449.60 66.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 449.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 449.60 66.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 449.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 449.60 66.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 449.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 449.60 75.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 412.60 223.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 412.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 412.60 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 412.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 412.60 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 412.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 412.60 66.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 412.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 412.60 75.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 382.60 223.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 382.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 382.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 382.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 382.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 382.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 382.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 382.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 382.60 75.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 337.60 223.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 337.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 337.60 66.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 337.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 337.60 66.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 337.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 337.60 66.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 337.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 337.60 75.00 -22.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 710.6 m 272.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 657.6 m 272.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 710.6 m 276.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 657.6 m 276.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 710.6 m 342.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 657.6 m 342.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 710.6 m 346.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 657.6 m 346.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 710.6 m 412.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 657.6 m 412.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 710.6 m 416.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 657.6 m 416.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 710.6 m 482.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 657.6 m 482.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 710.6 m 486.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 657.6 m 486.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 710.6 m 561.5 710.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 657.6 m 561.5 657.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 557.6 m 342.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 557.6 m 346.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 557.6 m 412.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 557.6 m 416.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 557.6 m 482.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 557.6 m 486.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 557.6 m 561.5 557.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 534.6 m 342.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 522.6 m 342.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 534.6 m 346.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 522.6 m 346.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 534.6 m 412.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 522.6 m 412.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 534.6 m 416.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 522.6 m 416.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 534.6 m 482.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 522.6 m 482.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 534.6 m 486.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 522.6 m 486.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 534.6 m 561.5 534.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 522.6 m 561.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 449.6 m 342.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 449.6 m 346.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 449.6 m 412.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 449.6 m 416.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 449.6 m 482.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 449.6 m 486.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 449.6 m 561.5 449.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 427.6 m 342.5 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 412.6 m 342.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 427.6 m 346.5 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 412.6 m 346.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 427.6 m 412.5 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 412.6 m 412.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 427.6 m 416.5 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 412.6 m 416.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 427.6 m 482.5 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 412.6 m 482.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 427.6 m 486.5 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 412.6 m 486.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 427.6 m 561.5 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 412.6 m 561.5 412.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 337.6 m 342.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 315.6 m 342.5 315.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 337.6 m 346.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 315.6 m 346.5 315.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 337.6 m 412.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 315.6 m 412.5 315.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 337.6 m 416.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 315.6 m 416.5 315.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 337.6 m 482.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 315.6 m 482.5 315.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 337.6 m 486.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 315.6 m 486.5 315.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 337.6 m 561.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 315.6 m 561.5 315.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 49.5 300.6 m 272.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 300.6 m 276.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 300.6 m 342.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 300.6 m 346.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346.5 300.6 m 412.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 300.6 m 416.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 300.6 m 482.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 300.6 m 486.5 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486.5 300.6 m 561.5 300.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 662.27 Td (\(In thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.30 685.83 Td (Accumulated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.40 677.83 Td (Unr) Tj ET Q q 0 0 0 rg BT 304.03 677.83 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.65 669.83 Td (Losses on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.30 661.83 Td (Securities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.30 693.83 Td (Accumulated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.40 685.83 Td (Unr) Tj ET Q q 0 0 0 rg BT 374.03 685.83 Td (ealized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.65 677.83 Td (Losses on ) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 361.20 669.83 Td (Derivative) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.10 661.83 Td (Instruments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 426.30 693.83 Td (Accumulated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 435.70 685.83 Td (For) Tj ET Q q 0 0 0 rg BT 447.99 685.83 Td (eign) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.60 677.83 Td (Curr) Tj ET Q q 0 0 0 rg BT 449.78 677.83 Td (ency) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.25 669.83 Td (T) Tj ET Q q 0 0 0 rg BT 433.99 669.83 Td (ranslation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 427.20 661.83 Td (Adjustments) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.75 693.83 Td (T) Tj ET Q q 0 0 0 rg BT 519.35 693.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 500.80 685.83 Td (Accumulated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 513.35 677.83 Td (Other) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.90 669.83 Td (Compr) Tj ET Q q 0 0 0 rg BT 521.20 669.83 Td (ehensive) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 499.35 661.83 Td (\(Loss\) Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 648.22 Td (Balance at January1, 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 279.00 648.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.80 648.38 Td (\(9,533) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.65 648.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.00 648.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.80 648.38 Td (\(2,517) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 648.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.00 648.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.80 648.38 Td (\(25,282) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 648.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.00 648.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.80 648.38 Td (\(37,332) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.65 648.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 636.17 Td (Other comprehensive loss during the period, net of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 626.22 Td (tax, before reclassification) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.80 628.33 Td (\(8,023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.65 628.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.30 628.33 Td (\(941) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 628.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.80 628.33 Td (\(17,559) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 628.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.80 628.33 Td (\(26,523) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.65 628.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 614.17 Td (Amount reclassified from accumulated other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 604.22 Td (comprehensive income into net income, net of tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 320.30 607.33 Td (\(196) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.65 607.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 386.15 607.28 Td (1,265) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 607.28 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 535.15 607.28 Td (1,069) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 593.17 Td (Amount reclassified from accumulated other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 583.17 Td (comprehensive income related to amortization of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 573.17 Td (unrealized losses on investment securities transferred) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 563.17 Td (to held-to-maturity from available-for-sale) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 328.65 562.28 Td (78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.65 562.28 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 468.65 562.28 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 547.65 562.28 Td (78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 548.17 Td (Net other comprehensive \(loss\) income during the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 538.17 Td (period, net of tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 279.00 539.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 312.80 539.33 Td (\(8,141) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.65 539.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.00 539.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 393.65 539.28 Td (324) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.00 539.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.80 539.33 Td (\(17,559) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 539.28 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.00 539.28 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.80 539.33 Td (\(25,376) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.65 539.28 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 525.22 Td (Balance at December 31, 2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 279.00 525.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 307.80 525.38 Td (\(17,674) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 338.65 525.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 349.00 525.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.80 525.38 Td (\(2,193) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.65 525.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.00 525.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 447.80 525.38 Td (\(42,841) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 478.65 525.33 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 489.00 525.33 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.80 525.38 Td (\(62,708) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 557.65 525.33 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 498.17 Td (Balance at January1, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 498.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 498.22 Td (\(53,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 498.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 498.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.80 498.22 Td (\(2,462) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 498.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 498.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.80 498.22 Td (\(6,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 498.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 498.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 498.22 Td (\(63,036) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 498.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 485.17 Td (Other comprehensive income \(loss\) during the period,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 475.17 Td (net of tax, before reclassification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 476.27 Td (43,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.80 476.32 Td (\(1,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 476.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.80 476.32 Td (\(18,373) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 476.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 476.27 Td (24,211) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 462.17 Td (Amount reclassified from accumulated other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 452.22 Td (comprehensive income, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.65 454.27 Td (304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 454.27 Td (1,189) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 454.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 454.27 Td (1,493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 440.17 Td (Net other comprehensive income \(loss\) during the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 430.22 Td (period, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 432.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.15 432.27 Td (44,132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 432.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.30 432.32 Td (\(55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 432.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 432.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.80 432.32 Td (\(18,373) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 432.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 432.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 432.27 Td (25,704) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 418.17 Td (Balance at December 31, 2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 417.32 Td (\(9,533) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 417.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.80 417.32 Td (\(2,517) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 417.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.80 417.32 Td (\(25,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 417.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 417.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 417.32 Td (\(37,332) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 417.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 388.17 Td (Balance at January1, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 387.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 387.27 Td (6,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 387.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.80 387.32 Td (\(5,292) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 387.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 387.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 387.27 Td (6,293) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 387.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 387.27 Td (7,711) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 373.17 Td (Other comprehensive loss during the period, net of) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 363.17 Td (tax, before reclassification) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 364.32 Td (\(62,182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.30 364.32 Td (\(251) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.80 364.32 Td (\(13,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 364.32 Td (\(75,635) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 364.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 350.17 Td (Amount reclassified from accumulated other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 340.22 Td (comprehensive income, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 342.27 Td (1,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 342.27 Td (3,081) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 342.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 342.27 Td (4,888) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 328.17 Td (Net other comprehensive \(loss\) income during the) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 318.22 Td (period, net of tax) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 320.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 320.32 Td (\(60,375) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 320.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 320.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 320.27 Td (2,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 320.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.80 320.32 Td (\(13,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 320.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 320.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 320.32 Td (\(70,747) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 320.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 306.17 Td (Balance at December 31, 2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 305.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.80 305.32 Td (\(53,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.65 305.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.00 305.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.80 305.32 Td (\(2,462) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 305.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 305.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.80 305.32 Td (\(6,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 305.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 305.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.80 305.32 Td (\(63,036) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.65 305.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET endstream 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 673.3 m 423.5 673.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 673.3 m 562.5 673.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 640.3 m 344.5 640.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 640.3 m 349.5 640.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 640.3 m 419.5 640.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 610.3 m 344.5 610.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 610.3 m 349.5 610.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 610.3 m 419.5 610.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 595.3 m 344.5 595.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 595.3 m 349.5 595.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 595.3 m 419.5 595.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 530.3 m 344.5 530.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 530.3 m 349.5 530.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 530.3 m 419.5 530.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 500.3 m 344.5 500.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 500.3 m 349.5 500.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 500.3 m 419.5 500.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 485.3 m 270.5 485.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 270.5 485.3 m 274.5 485.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 485.3 m 344.5 485.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344.5 485.3 m 349.5 485.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 485.3 m 419.5 485.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 485.3 m 423.5 485.3 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 485.3 m 562.5 485.3 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 278.45 723.98 Td (Amount Reclassified from Accumulated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.70 715.98 Td (Other Comprehensive Income for the) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.45 707.98 Td (Year Ended,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 97.55 690.48 Td (Details Regarding the Component of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 84.90 682.48 Td (Accumulated Other Comprehensive Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 323.25 692.53 Td (December 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 455.90 690.48 Td (Impacted Line on the) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.15 682.48 Td (Consolidated Statements of Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 301.00 677.53 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.00 677.55 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 662.53 Td (Accumulated unrealized losses on securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 644.55 Td (Gains \(losses\) included in net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.00 644.98 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.65 644.98 Td (323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 644.97 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.30 645.02 Td (\(504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 644.97 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 650.25 Td (Gains \(losses\) on available-for-sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 642.30 Td (securities, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.65 629.98 Td (323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.30 630.02 Td (\(504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 629.97 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 629.55 Td (Income before taxes) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 614.55 Td (Tax effect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 322.30 615.03 Td (\(127) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.65 614.98 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 614.97 Td (200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 614.55 Td (Income tax expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 599.55 Td (Net of tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.00 599.98 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.65 599.98 Td (196) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 599.97 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.30 600.02 Td (\(304) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 599.97 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 599.55 Td (Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 568.53 Td (Accumulated unrealized losses on derivative instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 555.55 Td (Amount reclassified to interest expense on deposits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.00 555.03 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.65 555.03 Td (252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 554.87 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 554.87 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 555.55 Td (Interest on deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 542.55 Td (Amount reclassified to interest expense on junior subordinated) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 534.55 Td (debentures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 318.15 534.98 Td (1,830) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 534.97 Td (1,974) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 542.55 Td (Interest on junior subordinated) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 534.55 Td (debentures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.80 520.03 Td (\(2,082) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.65 519.98 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.80 520.02 Td (\(1,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 519.97 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 519.55 Td (Income before taxes) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 504.55 Td (Tax effect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.65 504.98 Td (817) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.65 504.97 Td (785) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 504.55 Td (Income tax expense) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 489.55 Td (Net of tax) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 277.00 489.98 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.80 490.03 Td (\(1,265) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.65 489.98 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.00 489.97 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.80 490.02 Td (\(1,189) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 489.97 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 489.55 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 331 0 obj <> endobj 332 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (165) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (\(23\) Segment Information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 721.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.71 721.25 Td (s ) Tj ET Q q 0 0 0 rg BT 116.10 721.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 160.26 721.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 190.54 721.25 Td (of ) Tj ET Q q 0 0 0 rg BT 201.37 721.25 Td (three ) Tj ET Q q 0 0 0 rg BT 223.85 721.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 258.01 721.25 Td (segments: ) Tj ET Q q 0 0 0 rg BT 300.50 721.25 Td (community ) Tj ET Q q 0 0 0 rg BT 348.55 721.25 Td (banking, ) Tj ET Q q 0 0 0 rg BT 385.77 721.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 423.81 721.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 455.74 721.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.68 721.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 501.83 721.25 Td (management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 700.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.51 700.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.50 700.25 Td ( ) Tj ET Q q 0 0 0 rg BT 89.46 700.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 131.96 700.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 171.14 700.25 Td (are ) Tj ET Q q 0 0 0 rg BT 185.31 700.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 221.15 700.25 Td (business ) Tj ET Q q 0 0 0 rg BT 257.00 700.25 Td (units ) Tj ET Q q 0 0 0 rg BT 278.42 700.25 Td (that ) Tj ET Q q 0 0 0 rg BT 295.37 700.25 Td (are ) Tj ET Q q 0 0 0 rg BT 309.55 700.25 Td (separately ) Tj ET Q q 0 0 0 rg BT 352.04 700.25 Td (managed ) Tj ET Q q 0 0 0 rg BT 390.10 700.25 Td (as ) Tj ET Q q 0 0 0 rg BT 400.40 700.25 Td (they ) Tj ET Q q 0 0 0 rg BT 419.58 700.25 Td (of) Tj ET Q q 0 0 0 rg BT 427.73 700.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 440.79 700.25 Td (dif) Tj ET Q q 0 0 0 rg BT 451.72 700.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 477.00 700.25 Td (products ) Tj ET Q q 0 0 0 rg BT 513.40 700.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.80 700.25 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.95 688.25 Td (have ) Tj ET Q q 0 0 0 rg BT 88.33 688.25 Td (dif) Tj ET Q q 0 0 0 rg BT 99.26 688.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 125.09 688.25 Td (marketing ) Tj ET Q q 0 0 0 rg BT 168.14 688.25 Td (strategies. ) Tj ET Q q 0 0 0 rg BT 210.91 688.25 Td (In ) Tj ET Q q 0 0 0 rg BT 221.75 688.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 259.54 688.25 Td (each ) Tj ET Q q 0 0 0 rg BT 280.36 688.25 Td (segment) Tj ET Q q 0 0 0 rg BT 316.46 688.25 Td (s ) Tj ET Q q 0 0 0 rg BT 322.87 688.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 362.03 688.25 Td (base ) Tj ET Q q 0 0 0 rg BT 382.31 688.25 Td (has ) Tj ET Q q 0 0 0 rg BT 398.15 688.25 Td (varying ) Tj ET Q q 0 0 0 rg BT 431.21 688.25 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 490.90 688.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.85 688.25 Td (each ) Tj ET Q q 0 0 0 rg BT 528.68 688.25 Td (segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (has ) Tj ET Q q 0 0 0 rg BT 64.66 676.25 Td (a ) Tj ET Q q 0 0 0 rg BT 70.42 676.25 Td (dif) Tj ET Q q 0 0 0 rg BT 81.35 676.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 106.00 676.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 148.42 676.25 Td (environment. ) Tj ET Q q 0 0 0 rg BT 202.69 676.25 Td (While ) Tj ET Q q 0 0 0 rg BT 228.45 676.25 Td (the ) Tj ET Q q 0 0 0 rg BT 242.00 676.25 Td (Company) Tj ET Q q 0 0 0 rg BT 283.66 676.25 Td (s ) Tj ET Q q 0 0 0 rg BT 288.88 676.25 Td (management ) Tj ET Q q 0 0 0 rg BT 341.30 676.25 Td (monitors ) Tj ET Q q 0 0 0 rg BT 378.19 676.25 Td (each ) Tj ET Q q 0 0 0 rg BT 397.83 676.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.49 676.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.03 676.25 Td (fifteen) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.13 676.25 Td ( ) Tj ET Q q 0 0 0 rg BT 448.45 676.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 469.22 676.25 Td (subsidiaries) Tj ET Q q 0 0 0 rg BT 519.02 676.25 Td ( ) Tj ET Q q 0 0 0 rg BT 520.35 676.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 664.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.78 664.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 116.90 664.25 Td (separately) Tj ET Q q 0 0 0 rg BT 156.78 664.25 Td (, ) Tj ET Q q 0 0 0 rg BT 161.63 664.25 Td (these ) Tj ET Q q 0 0 0 rg BT 184.52 664.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 234.08 664.25 Td (have ) Tj ET Q q 0 0 0 rg BT 255.31 664.25 Td (been ) Tj ET Q q 0 0 0 rg BT 276.53 664.25 Td (aggregated ) Tj ET Q q 0 0 0 rg BT 322.74 664.25 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.64 664.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.08 664.25 Td ( ) Tj ET Q q 0 0 0 rg BT 357.43 664.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 400.31 664.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 440.42 664.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 476.09 664.25 Td (due ) Tj ET Q q 0 0 0 rg BT 492.87 664.25 Td (to ) Tj ET Q q 0 0 0 rg BT 503.00 664.25 Td (the ) Tj ET Q q 0 0 0 rg BT 517.56 664.25 Td (similarities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 652.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 652.25 Td (products ) Tj ET Q q 0 0 0 rg BT 97.22 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 114.16 652.25 Td (services, ) Tj ET Q q 0 0 0 rg BT 151.36 652.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 190.52 652.25 Td (base, ) Tj ET Q q 0 0 0 rg BT 213.29 652.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 259.94 652.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 310.21 652.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 349.92 652.25 Td (and ) Tj ET Q q 0 0 0 rg BT 366.86 652.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 408.23 652.25 Td (characteristics.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.25 Td (For ) Tj ET Q q 0 0 0 rg BT 68.72 631.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 109.11 631.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.27 631.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 157.64 631.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 195.80 631.25 Td (profitability) Tj ET Q q 0 0 0 rg BT 242.92 631.25 Td (, ) Tj ET Q q 0 0 0 rg BT 250.25 631.25 Td (management ) Tj ET Q q 0 0 0 rg BT 306.17 631.25 Td (allocates ) Tj ET Q q 0 0 0 rg BT 345.99 631.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 378.02 631.25 Td (intersegment ) Tj ET Q q 0 0 0 rg BT 434.50 631.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.77 631.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 483.59 631.25 Td (company ) Tj ET Q q 0 0 0 rg BT 525.08 631.25 Td (balances. ) Tj ET Q q 0 0 0 rg BT 564.50 631.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.73 619.25 Td (allocates ) Tj ET Q q 0 0 0 rg BT 142.24 619.25 Td (a ) Tj ET Q q 0 0 0 rg BT 149.21 619.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 180.63 619.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.48 619.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 229.55 619.25 Td (to ) Tj ET Q q 0 0 0 rg BT 239.86 619.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.60 619.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 292.68 619.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 324.63 619.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 360.48 619.25 Td (related ) Tj ET Q q 0 0 0 rg BT 390.21 619.25 Td (to ) Tj ET Q q 0 0 0 rg BT 400.52 619.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 424.16 619.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 467.23 619.25 Td (by ) Tj ET Q q 0 0 0 rg BT 479.76 619.25 Td (the ) Tj ET Q q 0 0 0 rg BT 494.51 619.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 532.58 619.25 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 607.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 86.72 607.25 Td (and ) Tj ET Q q 0 0 0 rg BT 104.55 607.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 124.61 607.25 Td (to ) Tj ET Q q 0 0 0 rg BT 135.79 607.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.40 607.25 Td (community ) Tj ET Q q 0 0 0 rg BT 200.34 607.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 235.95 607.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 275.17 607.25 Td ( ) Tj ET Q q 0 0 0 rg BT 278.56 607.25 Td (Similarly) Tj ET Q q 0 0 0 rg BT 315.14 607.25 Td (, ) Tj ET Q q 0 0 0 rg BT 321.03 607.25 Td (for ) Tj ET Q q 0 0 0 rg BT 336.08 607.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 375.03 607.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.75 607.25 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 429.02 607.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.63 607.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 496.90 607.25 Td (from ) Tj ET Q q 0 0 0 rg BT 519.74 607.25 Td (the ) Tj ET Q q 0 0 0 rg BT 535.35 607.25 Td (wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.25 Td (management ) Tj ET Q q 0 0 0 rg BT 103.68 595.25 Td (segment, ) Tj ET Q q 0 0 0 rg BT 142.10 595.25 Td (management ) Tj ET Q q 0 0 0 rg BT 195.79 595.25 Td (allocates ) Tj ET Q q 0 0 0 rg BT 233.36 595.25 Td (a ) Tj ET Q q 0 0 0 rg BT 240.40 595.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 271.88 595.25 Td (of ) Tj ET Q q 0 0 0 rg BT 282.81 595.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.62 595.25 Td (net ) Tj ET Q q 0 0 0 rg BT 312.43 595.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 344.46 595.25 Td (income ) Tj ET Q q 0 0 0 rg BT 376.49 595.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 405.73 595.25 Td (by ) Tj ET Q q 0 0 0 rg BT 418.32 595.25 Td (the ) Tj ET Q q 0 0 0 rg BT 433.13 595.25 Td (community ) Tj ET Q q 0 0 0 rg BT 481.28 595.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 516.09 595.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 552.01 595.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 583.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 81.29 583.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 118.12 583.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.85 583.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 171.80 583.25 Td (of ) Tj ET Q q 0 0 0 rg BT 182.54 583.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.16 583.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 226.22 583.25 Td (management ) Tj ET Q q 0 0 0 rg BT 279.71 583.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 315.44 583.25 Td (to ) Tj ET Q q 0 0 0 rg BT 325.62 583.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.24 583.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 369.30 583.25 Td (management ) Tj ET Q q 0 0 0 rg BT 422.79 583.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 461.02 583.25 Td (See ) Tj ET Q q 0 0 0 rg BT 477.86 583.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 499.71 583.25 Td (10 ) Tj ET Q q 0 0 0 rg BT 512.11 583.25 Td ( ) Tj ET Q q 0 0 0 rg BT 524.51 583.25 Td (Deposits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 571.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.97 571.25 Td (more ) Tj ET Q q 0 0 0 rg BT 86.83 571.25 Td (information ) Tj ET Q q 0 0 0 rg BT 136.36 571.25 Td (on ) Tj ET Q q 0 0 0 rg BT 148.67 571.25 Td (these ) Tj ET Q q 0 0 0 rg BT 171.53 571.25 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 209.13 571.25 Td ( ) Tj ET Q q 0 0 0 rg BT 211.44 571.25 Td (Finally) Tj ET Q q 0 0 0 rg BT 239.12 571.25 Td (, ) Tj ET Q q 0 0 0 rg BT 243.94 571.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 282.35 571.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 317.98 571.25 Td (at ) Tj ET Q q 0 0 0 rg BT 327.51 571.25 Td (the ) Tj ET Q q 0 0 0 rg BT 341.87 571.25 Td (W) Tj ET Q q 0 0 0 rg BT 350.91 571.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 378.78 571.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 406.08 571.25 Td (company ) Tj ET Q q 0 0 0 rg BT 445.05 571.25 Td (are ) Tj ET Q q 0 0 0 rg BT 459.57 571.25 Td (allocated ) Tj ET Q q 0 0 0 rg BT 497.97 571.25 Td (to ) Tj ET Q q 0 0 0 rg BT 508.06 571.25 Td (each ) Tj ET Q q 0 0 0 rg BT 528.69 571.25 Td (segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.25 Td (based ) Tj ET Q q 0 0 0 rg BT 75.27 559.25 Td (on ) Tj ET Q q 0 0 0 rg BT 87.77 559.25 Td (each ) Tj ET Q q 0 0 0 rg BT 108.58 559.25 Td (segment's ) Tj ET Q q 0 0 0 rg BT 150.10 559.25 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 207.59 559.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 235.92 559.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.95 538.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 105.67 538.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 144.05 538.25 Td (information ) Tj ET Q q 0 0 0 rg BT 194.66 538.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 233.60 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 244.78 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.40 538.25 Td (following ) Tj ET Q q 0 0 0 rg BT 302.68 538.25 Td (tables ) Tj ET Q q 0 0 0 rg BT 329.40 538.25 Td (has ) Tj ET Q q 0 0 0 rg BT 346.13 538.25 Td (been ) Tj ET Q q 0 0 0 rg BT 368.41 538.25 Td (derived ) Tj ET Q q 0 0 0 rg BT 401.79 538.25 Td (from ) Tj ET Q q 0 0 0 rg BT 424.63 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.24 538.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 474.18 538.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 525.35 538.25 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (system ) Tj ET Q q 0 0 0 rg BT 80.55 526.25 Td (used ) Tj ET Q q 0 0 0 rg BT 101.66 526.25 Td (by ) Tj ET Q q 0 0 0 rg BT 114.44 526.25 Td (management ) Tj ET Q q 0 0 0 rg BT 168.30 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 178.85 526.25 Td (monitor ) Tj ET Q q 0 0 0 rg BT 213.30 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 230.51 526.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 264.38 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 279.37 526.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 317.13 526.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 370.43 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 381.53 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 396.53 526.25 Td (Company) Tj ET Q q 0 0 0 rg BT 434.76 526.25 Td (. ) Tj ET Q q 0 0 0 rg BT 439.84 526.25 Td (The ) Tj ET Q q 0 0 0 rg BT 458.16 526.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 504.81 526.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 538.69 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 526.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 89.39 514.25 Td (are ) Tj ET Q q 0 0 0 rg BT 103.77 514.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 156.50 514.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 186.45 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 196.40 514.25 Td (those ) Tj ET Q q 0 0 0 rg BT 219.68 514.25 Td (described ) Tj ET Q q 0 0 0 rg BT 260.17 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 270.12 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 284.52 514.25 Td (Summary ) Tj ET Q q 0 0 0 rg BT 325.58 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 336.08 514.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 381.66 514.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 430.49 514.25 Td (Policies ) Tj ET Q q 0 0 0 rg BT 464.33 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 474.28 514.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 495.89 514.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 505.41 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 523.13 514.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 90.44 502.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 127.01 502.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 180.77 502.25 Td (based ) Tj ET Q q 0 0 0 rg BT 206.78 502.25 Td (on ) Tj ET Q q 0 0 0 rg BT 220.02 502.25 Td (after) Tj ET Q q 0 0 0 rg BT 238.13 502.25 Td (-tax ) Tj ET Q q 0 0 0 rg BT 256.92 502.25 Td (profit ) Tj ET Q q 0 0 0 rg BT 282.38 502.25 Td (or ) Tj ET Q q 0 0 0 rg BT 293.95 502.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 312.75 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 330.42 502.25 Td (other ) Tj ET Q q 0 0 0 rg BT 354.21 502.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 402.98 502.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 453.99 502.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 494.44 502.25 Td (common ) Tj ET Q q 0 0 0 rg BT 532.67 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 543.69 502.25 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (segment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 469.25 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 469.25 Td (is ) Tj ET Q q 0 0 0 rg BT 118.60 469.25 Td (a ) Tj ET Q q 0 0 0 rg BT 125.54 469.25 Td (summary ) Tj ET Q q 0 0 0 rg BT 165.26 469.25 Td (of ) Tj ET Q q 0 0 0 rg BT 176.09 469.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 205.79 469.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 246.05 469.25 Td (information ) Tj ET Q q 0 0 0 rg BT 295.77 469.25 Td (for ) Tj ET Q q 0 0 0 rg BT 309.93 469.25 Td (reportable ) Tj ET Q q 0 0 0 rg BT 352.96 469.25 Td (segments:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 458.45 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 419.95 155.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 419.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 419.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 419.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 419.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 419.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 419.95 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 419.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 419.95 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 419.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 419.95 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 419.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 419.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 393.95 155.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 393.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 393.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 393.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 393.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 393.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 393.95 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 393.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 393.95 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 393.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 393.95 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 393.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 393.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 367.95 155.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 367.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 367.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 367.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 367.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 367.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 367.95 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 367.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 367.95 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 367.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 367.95 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 367.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 367.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 341.95 155.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 341.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 341.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 341.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 341.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 341.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 341.95 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 341.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 341.95 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 341.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 341.95 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 341.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 341.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 315.95 155.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 315.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 315.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 315.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 315.95 57.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 315.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 315.95 51.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 315.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 315.95 56.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 315.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 315.95 53.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 315.95 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 315.95 58.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 288.95 155.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 288.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 288.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 288.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 288.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 288.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 288.95 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 288.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 288.95 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 288.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 288.95 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 288.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 288.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 260.95 155.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 260.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 260.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 260.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 260.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 260.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 260.95 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 260.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 260.95 56.00 -14.00 re f /GS0 gs 0.8 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 149.95 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.50 149.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 149.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 121.95 155.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.50 121.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 209.50 121.95 58.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 121.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 121.95 57.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 121.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 121.95 51.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.50 121.95 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.50 121.95 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 121.95 4.00 -14.00 re f /GS0 gs 0.8 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419.95000000000005 m 271.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 447.95000000000005 m 328.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 419.95000000000005 m 328.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 447.95000000000005 m 332.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 419.95000000000005 m 332.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 447.95000000000005 m 383.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 419.95000000000005 m 383.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 447.95000000000005 m 387.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383.5 419.95000000000005 m 387.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 447.95000000000005 m 443.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 387.5 419.95000000000005 m 443.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 447.95000000000005 m 447.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 443.5 419.95000000000005 m 447.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 447.95000000000005 m 500.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 447.5 419.95000000000005 m 500.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 447.95000000000005 m 504.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 500.5 419.95000000000005 m 504.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 447.95000000000005 m 562.5 447.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 419.95000000000005 m 562.5 419.95000000000005 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 209.5 341.95000000000005 m 267.5 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0 0 0 rg BT 274.00 397.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.15 397.68 Td (85,258) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.00 397.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.15 397.68 Td (17,012) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.00 397.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.15 397.68 Td (625,382) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 397.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 469.15 397.68 Td (16,147) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.00 397.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.15 397.68 Td (641,529) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 384.68 Td (Provision for credit losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.15 384.68 Td (29,746) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.15 384.68 Td (3,196) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 369.65 384.68 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.15 384.68 Td (32,942) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.65 384.68 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 384.68 Td (32,942) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 371.68 Td (Non-interest income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.15 371.68 Td (191,248) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.15 371.68 Td (33,625) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.15 371.68 Td (75,496) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.15 371.68 Td (300,369) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.80 371.73 Td (\(28,772) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.65 371.68 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.15 371.68 Td (271,597) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 358.68 Td (Non-interest expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.15 358.68 Td (522,199) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.15 358.68 Td (47,245) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.15 358.68 Td (71,600) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.15 358.68 Td (641,044) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.80 358.73 Td (\(12,625) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 496.65 358.68 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.15 358.68 Td (628,419) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 345.68 Td (Income tax expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 236.15 345.68 Td (60,488) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.15 345.68 Td (26,352) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 357.15 345.68 Td (8,176) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.15 345.68 Td (95,016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.65 345.68 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 531.15 345.68 Td (95,016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 332.68 Td (Net income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 212.00 332.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.15 332.68 Td (101,927) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 332.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 297.15 332.68 Td (42,090) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.00 332.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 352.15 332.68 Td (12,732) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.00 332.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 407.15 332.68 Td (156,749) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 332.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.65 332.68 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.00 332.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 526.15 332.68 Td (156,749) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 319.68 Td (Total assets at end of year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 212.00 319.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 218.60 319.68 Td (19,251,616) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 274.00 319.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 284.60 319.68 Td (3,116,631) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 335.00 319.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 347.10 319.68 Td (548,919) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.00 319.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.60 319.68 Td (22,917,166) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 450.00 319.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 486.65 319.68 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 507.00 319.68 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 513.60 319.68 Td (22,917,166) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 306.68 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 293.52 Td (Net interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.00 293.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.15 293.52 Td (484,523) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 293.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.15 293.52 Td (82,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 293.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 293.52 Td (15,968) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.00 293.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 293.52 Td (582,906) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.00 293.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.15 293.52 Td (15,669) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.00 293.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 293.52 Td (598,575) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 279.52 Td (Provision for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 279.52 Td (17,708) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.15 279.52 Td (2,829) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.65 279.52 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 279.52 Td (20,537) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 279.52 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 279.52 Td (20,537) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 265.52 Td (Non-interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.15 265.52 Td (136,307) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.15 265.52 Td (32,534) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 265.52 Td (73,388) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 265.52 Td (242,229) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.80 265.57 Td (\(26,989) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.65 265.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 265.52 Td (215,240) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 251.52 Td (Non-interest expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.15 251.52 Td (444,416) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.15 251.52 Td (44,320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 251.52 Td (69,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 251.52 Td (558,167) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.80 251.57 Td (\(11,320) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.65 251.52 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 251.52 Td (546,847) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 237.52 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 237.52 Td (60,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.15 237.52 Td (27,167) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 237.52 Td (7,833) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.15 237.52 Td (95,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 237.52 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 237.52 Td (95,033) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 223.52 Td (Net income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.00 223.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 223.52 Td (98,673) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 223.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.15 223.52 Td (40,633) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 223.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 223.52 Td (12,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.00 223.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 223.52 Td (151,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.00 223.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 223.52 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.00 223.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 223.52 Td (151,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 209.52 Td (Total assets at end of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.00 209.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.60 209.52 Td (16,724,834) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 209.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.60 209.52 Td (2,766,017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.00 209.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.10 209.52 Td (519,876) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.00 209.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.60 209.52 Td (20,010,727) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.00 209.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.65 209.52 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.00 209.52 Td ($) Tj ET Q BT 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(Goodwill) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 451.15 547.63 Td (8,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 547.52 Td (8,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 533.52 Td (Other assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 533.63 Td (149,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 533.52 Td (119,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 519.52 Td (Total assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 519.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.65 519.63 Td (2,890,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 519.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 519.52 Td (2,498,646) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 499.68 Td (Liabilities and Shareholders Equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 486.52 Td (Other liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 486.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 486.63 Td (44,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 486.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 486.52 Td (20,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 472.52 Td (Subordinated notes) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 472.63 Td (140,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 472.52 Td (140,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 458.52 Td (Other borrowings) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.15 458.63 Td (85,785) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 458.52 Td (18,822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 444.52 Td (Junior subordinated debentures) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.15 444.63 Td (268,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 444.52 Td (249,493) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 430.52 Td (Shareholders equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.65 430.63 Td (2,352,274) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 430.52 Td (2,069,822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 416.52 Td (Total liabilities and shareholders equity) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 399.00 416.63 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 433.65 416.63 Td (2,890,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 416.52 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 416.52 Td (2,498,646) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 386.45 Td (Statements of Income) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 328.15 293.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 328.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 328.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 328.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 328.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 328.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 328.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 300.15 293.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 300.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 300.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 300.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 300.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 300.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 300.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 272.15 293.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 272.15 4.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 272.15 69.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 272.15 4.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 272.15 69.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 272.15 4.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 272.15 69.00 -6.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 253.15 293.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 253.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 253.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 253.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 253.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 253.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 253.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 225.15 293.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 225.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 225.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 225.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 225.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 225.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 225.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 197.15 293.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 197.15 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 197.15 69.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 197.15 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 197.15 69.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 197.15 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 197.15 69.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 158.15 293.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 158.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 158.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 158.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 158.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 158.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 158.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 130.15 293.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 343.50 130.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 347.50 130.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 130.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.50 130.15 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 130.15 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 130.15 69.00 -14.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 365.15 m 343.5 365.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 365.15 m 347.5 365.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 365.15 m 416.5 365.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 353.15 m 416.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 365.15 m 420.5 365.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 353.15 m 420.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 365.15 m 489.5 365.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 353.15 m 489.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 365.15 m 493.5 365.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 353.15 m 493.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 365.15 m 562.5 365.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 353.15 m 562.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 341.15 m 343.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 341.15 m 347.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 353.15 m 416.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 341.15 m 416.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 353.15 m 420.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 341.15 m 420.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 353.15 m 489.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 341.15 m 489.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 353.15 m 493.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 341.15 m 493.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 353.15 m 562.5 353.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 341.15 m 562.5 341.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 286.15 m 416.5 286.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 272.15 m 416.5 272.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 286.15 m 420.5 286.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 272.15 m 420.5 272.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 286.15 m 489.5 286.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 272.15 m 489.5 272.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 286.15 m 493.5 286.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 272.15 m 493.5 272.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 286.15 m 562.5 286.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 272.15 m 562.5 272.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 211.14999999999998 m 416.5 211.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 197.14999999999998 m 416.5 197.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 211.14999999999998 m 420.5 211.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 197.14999999999998 m 420.5 197.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 211.14999999999998 m 489.5 211.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 197.14999999999998 m 489.5 197.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 211.14999999999998 m 493.5 211.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 197.14999999999998 m 493.5 197.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 211.14999999999998 m 562.5 211.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 197.14999999999998 m 562.5 197.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 158.14999999999998 m 416.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 158.14999999999998 m 420.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 158.14999999999998 m 489.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 158.14999999999998 m 493.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 158.14999999999998 m 562.5 158.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 116.14999999999998 m 343.5 116.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 343.5 116.14999999999998 m 347.5 116.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 130.14999999999998 m 416.5 130.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 347.5 116.14999999999998 m 416.5 116.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 130.14999999999998 m 420.5 130.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 116.14999999999998 m 420.5 116.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 130.14999999999998 m 489.5 130.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420.5 116.14999999999998 m 489.5 116.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 130.14999999999998 m 493.5 130.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 116.14999999999998 m 493.5 116.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 130.14999999999998 m 562.5 130.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 116.14999999999998 m 562.5 116.14999999999998 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 357.10 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 408.55 357.23 Td (Years Ended December31,) Tj ET Q BT /F4 8.00 Tf ET q 0 0 0 rg BT 53.00 345.10 Td (\(In thousands\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.50 345.23 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 446.50 345.10 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.50 345.10 Td (2013) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 331.88 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 318.72 Td (Dividends and other revenue from subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.00 318.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.15 318.83 Td (47,639) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.00 318.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 318.72 Td (98,296) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 318.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 318.72 Td (114,241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 304.72 Td (\(Losses\) gains on available-for-sale securities, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 402.65 304.83 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 304.77 Td (\(33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 304.72 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 304.72 Td (111) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 290.72 Td (Other income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 397.65 290.83 Td (796) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.65 290.72 Td (221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 290.72 Td (4,529) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 276.72 Td (Total income) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.00 276.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.15 276.83 Td (48,435) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.00 276.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 276.72 Td (98,484) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 276.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 276.72 Td (118,881) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 256.88 Td (Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 243.72 Td (Interest expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.00 243.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.15 243.83 Td (16,669) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.00 243.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 243.72 Td (12,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 243.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 243.72 Td (13,424) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 229.72 Td (Salaries and employee benefits) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.15 229.83 Td (38,926) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 229.72 Td (30,636) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 229.72 Td (17,831) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 215.72 Td (Other expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.15 215.83 Td (50,425) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 215.72 Td (38,428) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 215.72 Td (24,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 201.72 Td (Total expenses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.00 201.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.15 201.83 Td (106,020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.00 201.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 201.72 Td (81,617) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 201.72 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 201.72 Td (55,994) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 187.72 Td (\(Loss\) income before income taxes and equity in undistributed income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 177.72 Td (of subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.00 176.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.80 176.88 Td (\(57,585) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 412.65 176.83 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.00 176.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 176.82 Td (16,867) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 176.82 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 176.82 Td (62,887) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 162.72 Td (Income tax benefit) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.15 162.83 Td (30,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 162.72 Td (22,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 162.72 Td (18,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 148.72 Td (\(Loss\) income before equity in undistributed net income of subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 350.00 148.83 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 381.80 148.88 Td (\(27,081) Tj ET Q 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BT 427.00 671.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.15 671.32 Td (151,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 671.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 671.32 Td (137,210) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 657.32 Td (Adjustments to reconcile net income to net cash \(used for\) provided by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 647.32 Td (operating activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 632.32 Td (Provision for credit losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.30 632.48 Td (\(96) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 632.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 632.32 Td (945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 632.32 Td (1,765) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 618.32 Td (Losses \(gains\) on available-for-sale securities, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.65 618.43 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 618.32 Td (33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 618.37 Td (\(111) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 618.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 604.32 Td (Depreciation and amortization) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.15 604.43 Td (8,182) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 604.32 Td (7,756) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 604.32 Td (3,744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 590.32 Td (Deferred income tax \(benefit\) expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.80 590.48 Td (\(1,872) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 590.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 590.32 Td (2,753) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 590.32 Td (1,217) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 576.32 Td (Stock-based compensation expense) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 394.15 576.43 Td (9,656) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 576.32 Td (7,754) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 576.32 Td (6,799) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 562.32 Td (Excess tax benefits from stock-based compensation arrangements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.30 562.48 Td (\(278) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 562.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 562.37 Td (\(139) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 562.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 562.37 Td (\(112) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 562.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 548.32 Td (Increase in other assets) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.80 548.48 Td (\(45,287) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 548.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.80 548.37 Td (\(10,090) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 548.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 548.37 Td (\(3,882) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 548.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 534.32 Td (Increase in other liabilities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.15 534.43 Td (21,840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.15 534.32 Td (7,114) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 534.37 Td (\(4,517) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 534.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 520.32 Td (Equity in undistributed net income of subsidiaries) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.80 520.48 Td (\(183,830) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 520.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.80 520.37 Td (\(111,622) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 520.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 520.37 Td (\(55,724) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 520.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 506.48 Td 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479.37 Td (\(105,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 479.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 479.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 479.37 Td (\(8,293) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 479.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 465.32 Td (Net cash paid for acquisitions, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.80 465.48 Td (\(51,060) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 465.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 465.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 465.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 451.32 Td (Other investing activity, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.80 451.48 Td (\(24,908) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 451.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.80 451.37 Td (\(3,907) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 451.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 451.37 Td (\(21,206) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 451.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 437.48 Td (Net Cash Used for Investing Activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.00 437.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.80 437.48 Td (\(173,368) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 437.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.00 437.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.80 437.37 Td (\(109,151) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 437.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 437.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 437.37 Td (\(29,499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 437.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 423.48 Td (Financing Activities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 410.32 Td (Increase \(decrease\) in notes payable and other borrowings, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.00 410.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.15 410.43 Td (66,963) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.00 410.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 410.37 Td (\(517) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 410.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 410.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 410.37 Td (\(17,860) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 410.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 396.32 Td (Proceeds from the issuance of subordinated notes, net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.65 396.43 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.15 396.32 Td (139,090) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 396.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 382.32 Td (Repayment of subordinated note) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.65 382.43 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 382.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 382.37 Td (\(15,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 382.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 368.32 Td (Excess tax benefits from stock-based compensation arrangements) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 401.65 368.43 Td (278) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 368.32 Td (139) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 368.32 Td (112) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 354.32 Td (Net proceeds from issuance of Series D preferred stock) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.15 353.43 Td (120,842) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.65 353.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 353.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 338.42 Td (Issuance of common shares resulting from exercise of stock options,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 328.42 Td (employee stock purchase plan and conversion of common stock warrants) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.15 328.43 Td (16,119) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.15 328.42 Td (10,453) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 328.42 Td (19,113) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 314.32 Td (Dividends paid) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.80 314.48 Td (\(29,888) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 314.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.80 314.37 Td (\(24,933) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 314.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 314.37 Td (\(13,893) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 314.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 300.32 Td (Common stock repurchases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 398.30 300.48 Td (\(424) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 416.65 300.43 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.30 300.37 Td (\(549) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.65 300.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 300.37 Td (\(3,504) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 300.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 286.48 Td (Net Cash Provided by \(Used For\) Financing Activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.00 286.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 384.15 286.43 Td (173,890) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.00 286.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.15 286.32 Td (123,683) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.00 286.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 286.37 Td (\(31,032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 286.32 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 272.48 Td (Net \(Decrease\) Increase in Cash and Cash Equivalents) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 356.00 272.43 Td ($) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 385.80 272.48 Td (\(34,414) Tj 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10.00 Tf ET q 0 0 0 rg BT 498.00 244.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 244.32 Td (80,869) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 337 0 obj <> endobj 338 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (168) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (\(25\) Earnings Per) Tj ET Q q 0 0 0 rg BT 125.37 742.25 Td ( Shar) Tj ET Q q 0 0 0 rg BT 148.25 742.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 721.25 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 721.25 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 721.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 148.87 721.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 170.81 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 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9.00 Tf ET q 0 0 0 rg BT 368.50 649.21 Td (\(A\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 648.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.75 648.40 Td (145,880) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 648.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 648.41 Td (145,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 648.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 648.41 Td (128,815) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 635.21 Td (Add: Dividends on convertible preferred stock, if dilutive) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 634.40 Td (6,314) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 634.41 Td (6,323) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 634.41 Td (8,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 621.21 Td (Net income applicable to common sharesDiluted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 621.21 Td (\(B\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 620.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 410.75 620.40 Td (152,194) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 620.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 620.41 Td (151,398) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 620.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 620.41 Td (137,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 607.21 Td (Weighted average common shares outstanding) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 607.21 Td (\(C\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 606.40 Td (47,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 606.41 Td (46,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 606.41 Td (38,699) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 593.21 Td (Effect of dilutive potential common shares:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.00 579.21 Td (Common stock equivalents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 578.40 Td (1,029) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 578.41 Td (1,246) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 578.41 Td (7,108) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 62.00 565.21 Td (Convertible preferred stock, if dilutive) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 564.40 Td (3,070) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 564.41 Td (3,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 564.41 Td (4,141) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 551.21 Td (Total dilutive potential common shares) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 419.75 550.40 Td (4,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.75 550.41 Td (4,321) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 550.41 Td (11,249) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 537.21 Td (Weighted average common shares and effect of dilutive potential common shares) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.50 537.21 Td (\(D\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 415.25 536.40 Td (51,937) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 536.41 Td (50,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 536.41 Td (49,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 523.21 Td (Net income per common share:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 509.21 Td (Basic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 509.21 Td (\(A/C\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 391.00 508.40 Td ($) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.25 508.40 Td (3.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 508.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 508.41 Td (3.12) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 508.41 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 508.41 Td (3.33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 495.21 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.00 495.21 Td (\(B/D\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.25 494.40 Td (2.93) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.25 494.41 Td (2.98) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.25 494.41 Td (2.75) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 469.45 Td (Potentially ) Tj ET Q q 0 0 0 rg BT 96.40 469.45 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 130.01 469.45 Td (common ) Tj ET Q q 0 0 0 rg BT 168.07 469.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 196.13 469.45 Td (can ) Tj ET Q q 0 0 0 rg BT 213.07 469.45 Td (result ) Tj ET Q q 0 0 0 rg BT 238.35 469.45 Td (from ) Tj ET Q q 0 0 0 rg BT 260.86 469.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 285.03 469.45 Td (options, ) Tj ET Q q 0 0 0 rg BT 320.04 469.45 Td (restricted ) Tj ET Q q 0 0 0 rg BT 360.31 469.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 384.49 469.45 Td (unit ) Tj ET Q q 0 0 0 rg BT 403.11 469.45 Td (awards, ) Tj ET Q q 0 0 0 rg BT 436.99 469.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 461.17 469.45 Td (warrants, ) Tj ET Q q 0 0 0 rg BT 501.16 469.45 Td (the ) Tj ET Q q 0 0 0 rg BT 516.44 469.45 Td (Company) Tj ET Q q 0 0 0 rg BT 558.11 469.45 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 457.45 Td (convertible ) Tj ET Q q 0 0 0 rg BT 97.38 457.45 Td (preferred ) Tj ET Q q 0 0 0 rg BT 136.42 457.45 Td (stock, ) Tj ET Q q 0 0 0 rg BT 162.43 457.45 Td (tangible ) Tj ET Q q 0 0 0 rg BT 197.05 457.45 Td (equity ) Tj ET Q q 0 0 0 rg BT 224.44 457.45 Td (unit ) Tj ET Q q 0 0 0 rg BT 242.40 457.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 269.79 457.45 Td (and ) Tj ET Q q 0 0 0 rg BT 286.64 457.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 314.03 457.45 Td (to ) Tj ET Q q 0 0 0 rg BT 324.21 457.45 Td (be ) Tj ET Q q 0 0 0 rg BT 336.05 457.45 Td (issued ) Tj ET Q q 0 0 0 rg BT 363.45 457.45 Td (under ) Tj ET Q q 0 0 0 rg BT 388.62 457.45 Td (the ) Tj ET Q q 0 0 0 rg BT 403.24 457.45 Td (ESPP) Tj ET Q q 0 0 0 rg BT 425.66 457.45 Td ( ) Tj ET Q q 0 0 0 rg BT 428.07 457.45 Td (and ) Tj ET Q q 0 0 0 rg BT 444.91 457.45 Td (the ) Tj ET Q q 0 0 0 rg BT 459.53 457.45 Td (DDFS ) Tj ET Q q 0 0 0 rg BT 487.50 457.45 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 510.18 457.45 Td (being ) Tj ET Q q 0 0 0 rg BT 534.79 457.45 Td (treated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 445.45 Td (as ) Tj ET Q q 0 0 0 rg BT 61.11 445.45 Td (if ) Tj ET Q q 0 0 0 rg BT 70.01 445.45 Td (they ) Tj ET Q q 0 0 0 rg BT 90.01 445.45 Td (had ) Tj ET Q q 0 0 0 rg BT 107.23 445.45 Td (been ) Tj ET Q q 0 0 0 rg BT 128.89 445.45 Td (either ) Tj ET Q q 0 0 0 rg BT 154.44 445.45 Td (exercised ) Tj ET Q q 0 0 0 rg BT 194.98 445.45 Td (or ) Tj ET Q q 0 0 0 rg BT 206.10 445.45 Td (issued, ) Tj ET Q q 0 0 0 rg BT 236.38 445.45 Td (computed ) Tj ET Q q 0 0 0 rg BT 278.60 445.45 Td (by ) Tj ET Q q 0 0 0 rg BT 291.38 445.45 Td (application ) Tj ET Q q 0 0 0 rg BT 338.60 445.45 Td (of ) Tj ET Q q 0 0 0 rg BT 349.71 445.45 Td (the ) Tj ET Q q 0 0 0 rg BT 364.71 445.45 Td (treasury ) Tj ET Q q 0 0 0 rg BT 399.70 445.45 Td (stock ) Tj ET Q q 0 0 0 rg BT 423.60 445.45 Td (method. ) Tj ET Q q 0 0 0 rg BT 458.68 445.45 Td (While ) Tj ET Q q 0 0 0 rg BT 485.89 445.45 Td (potentially ) Tj ET Q q 0 0 0 rg BT 531.45 445.45 Td (dilutive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 433.45 Td (common ) Tj ET Q q 0 0 0 rg BT 87.85 433.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 115.70 433.45 Td (are ) Tj ET Q q 0 0 0 rg BT 130.76 433.45 Td (typically ) Tj ET Q q 0 0 0 rg BT 168.60 433.45 Td (included ) Tj ET Q q 0 0 0 rg BT 205.89 433.45 Td (in ) Tj ET Q q 0 0 0 rg BT 216.53 433.45 Td (the ) Tj ET Q q 0 0 0 rg BT 231.60 433.45 Td (computation ) Tj ET Q q 0 0 0 rg BT 284.45 433.45 Td (of ) Tj ET Q q 0 0 0 rg BT 295.63 433.45 Td (diluted ) Tj ET Q q 0 0 0 rg BT 326.26 433.45 Td (earnings ) Tj ET Q q 0 0 0 rg BT 362.99 433.45 Td (per ) Tj ET Q q 0 0 0 rg BT 378.62 433.45 Td (share, ) Tj ET Q q 0 0 0 rg BT 405.07 433.45 Td (potentially ) Tj ET Q q 0 0 0 rg BT 450.69 433.45 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 484.10 433.45 Td (common ) Tj ET Q q 0 0 0 rg BT 521.95 433.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 549.80 433.45 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 421.45 Td (excluded ) Tj ET Q q 0 0 0 rg BT 88.73 421.45 Td (from ) Tj ET Q q 0 0 0 rg BT 110.81 421.45 Td (this ) Tj ET Q q 0 0 0 rg BT 127.90 421.45 Td (computation ) Tj ET Q q 0 0 0 rg BT 180.53 421.45 Td (in ) Tj ET Q q 0 0 0 rg BT 190.94 421.45 Td (periods ) Tj ET Q q 0 0 0 rg BT 223.02 421.45 Td (in ) Tj ET Q q 0 0 0 rg BT 233.44 421.45 Td (which ) Tj ET Q q 0 0 0 rg BT 260.52 421.45 Td (the ) Tj ET Q q 0 0 0 rg BT 275.37 421.45 Td (ef) Tj ET Q q 0 0 0 rg BT 282.96 421.45 Td (fect ) Tj ET Q q 0 0 0 rg BT 300.59 421.45 Td (would ) Tj ET Q q 0 0 0 rg BT 328.23 421.45 Td (reduce ) Tj ET Q q 0 0 0 rg BT 357.51 421.45 Td (the ) Tj ET Q q 0 0 0 rg BT 372.37 421.45 Td (loss ) Tj ET Q q 0 0 0 rg BT 390.57 421.45 Td (per ) Tj ET Q q 0 0 0 rg BT 405.97 421.45 Td (share ) Tj ET Q q 0 0 0 rg BT 429.71 421.45 Td (or ) Tj ET Q q 0 0 0 rg BT 440.68 421.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 476.07 421.45 Td (the ) Tj ET Q q 0 0 0 rg BT 490.93 421.45 Td (income ) Tj ET Q q 0 0 0 rg BT 523.00 421.45 Td (per ) Tj ET Q q 0 0 0 rg BT 538.41 421.45 Td (share. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 409.45 Td (For ) Tj ET Q q 0 0 0 rg BT 67.16 409.45 Td (diluted ) Tj ET Q q 0 0 0 rg BT 98.20 409.45 Td (earnings ) Tj ET Q q 0 0 0 rg BT 135.34 409.45 Td (per ) Tj ET Q q 0 0 0 rg BT 151.38 409.45 Td (share, ) Tj ET Q q 0 0 0 rg BT 178.24 409.45 Td (net ) Tj ET Q q 0 0 0 rg BT 193.73 409.45 Td (income ) Tj ET Q q 0 0 0 rg BT 226.43 409.45 Td (applicable ) Tj ET Q q 0 0 0 rg BT 270.78 409.45 Td (to ) Tj ET Q q 0 0 0 rg BT 281.83 409.45 Td (common ) Tj ET Q q 0 0 0 rg BT 320.09 409.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 348.34 409.45 Td (can ) Tj ET Q q 0 0 0 rg BT 365.49 409.45 Td (be ) Tj ET Q q 0 0 0 rg BT 378.19 409.45 Td (af) Tj ET Q q 0 0 0 rg BT 385.78 409.45 Td (fected ) Tj ET Q q 0 0 0 rg BT 413.47 409.45 Td (by ) Tj ET Q q 0 0 0 rg BT 426.74 409.45 Td (the ) Tj ET Q q 0 0 0 rg BT 442.22 409.45 Td (conversion ) Tj ET Q q 0 0 0 rg BT 489.37 409.45 Td (of ) Tj ET Q q 0 0 0 rg BT 500.96 409.45 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 409.45 Td (Company) Tj ET Q q 0 0 0 rg BT 558.11 409.45 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.45 Td (convertible ) Tj ET Q q 0 0 0 rg BT 97.30 397.45 Td (preferred ) Tj ET Q q 0 0 0 rg BT 136.26 397.45 Td (stock. ) Tj ET Q q 0 0 0 rg BT 162.03 397.45 Td (Where ) Tj ET Q q 0 0 0 rg BT 191.00 397.45 Td (the ) Tj ET Q q 0 0 0 rg BT 205.54 397.45 Td (ef) Tj ET Q q 0 0 0 rg BT 213.12 397.45 Td (fect ) Tj ET Q q 0 0 0 rg BT 230.43 397.45 Td (of ) Tj ET Q q 0 0 0 rg BT 241.08 397.45 Td (this ) Tj ET Q q 0 0 0 rg BT 257.86 397.45 Td (conversion ) Tj ET Q q 0 0 0 rg BT 304.06 397.45 Td (would ) Tj ET Q q 0 0 0 rg BT 331.38 397.45 Td (reduce ) Tj ET Q q 0 0 0 rg BT 360.35 397.45 Td (the ) Tj ET Q q 0 0 0 rg BT 374.89 397.45 Td (loss ) Tj ET Q q 0 0 0 rg BT 392.77 397.45 Td (per ) Tj ET Q q 0 0 0 rg BT 407.87 397.45 Td (share ) Tj ET Q q 0 0 0 rg BT 431.29 397.45 Td (or ) Tj ET Q q 0 0 0 rg BT 441.94 397.45 Td (increase ) Tj ET Q q 0 0 0 rg BT 477.02 397.45 Td (the ) Tj ET Q q 0 0 0 rg BT 491.56 397.45 Td (income ) Tj ET Q q 0 0 0 rg BT 523.31 397.45 Td (per ) Tj ET Q q 0 0 0 rg BT 538.41 397.45 Td (share, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.45 Td (net ) Tj ET Q q 0 0 0 rg BT 64.72 385.45 Td (income ) Tj ET Q q 0 0 0 rg BT 96.65 385.45 Td (applicable ) Tj ET Q q 0 0 0 rg BT 140.24 385.45 Td (to ) Tj ET Q q 0 0 0 rg BT 150.52 385.45 Td (common ) Tj ET Q q 0 0 0 rg BT 188.01 385.45 Td (shares ) Tj ET Q q 0 0 0 rg BT 215.50 385.45 Td (is ) Tj ET Q q 0 0 0 rg BT 224.67 385.45 Td (not ) Tj ET Q q 0 0 0 rg BT 239.95 385.45 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 275.78 385.45 Td (by ) Tj ET Q q 0 0 0 rg BT 288.28 385.45 Td (the ) Tj ET Q q 0 0 0 rg BT 302.99 385.45 Td (associated ) Tj ET Q q 0 0 0 rg BT 346.59 385.45 Td (preferred ) Tj ET Q q 0 0 0 rg BT 385.72 385.45 Td (dividends.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 364.45 Td (\(26\) Quarterly Financial Summary \(Unaudited\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 343.45 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 343.45 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 343.45 Td (is ) Tj ET Q q 0 0 0 rg BT 118.60 343.45 Td (a ) Tj ET Q q 0 0 0 rg BT 125.54 343.45 Td (summary ) Tj ET Q q 0 0 0 rg BT 165.26 343.45 Td (of ) Tj ET Q q 0 0 0 rg BT 176.09 343.45 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 214.68 343.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 252.16 343.45 Td (information ) Tj ET Q q 0 0 0 rg BT 301.88 343.45 Td (for ) Tj ET Q q 0 0 0 rg BT 316.04 343.45 Td (the ) Tj ET Q q 0 0 0 rg BT 330.75 343.45 Td (years ) Tj ET Q q 0 0 0 rg BT 354.35 343.45 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.73 343.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 439.31 343.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.31 343.45 Td ( ) Tj ET Q q 0 0 0 rg BT 461.81 343.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.75 343.45 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.75 343.45 Td (:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 332.65 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 296.15 200.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 296.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 296.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 296.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 296.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 296.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 296.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 296.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 296.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 296.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 270.15 200.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 270.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 270.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 270.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 270.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 270.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 270.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 270.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 270.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 270.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 244.15 200.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 244.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 244.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 244.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 244.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 244.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 244.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 244.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 244.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 244.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 218.15 200.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 218.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 218.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 218.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 218.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 218.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 218.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 218.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 218.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 218.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 218.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 218.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 218.15 34.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 192.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 192.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 192.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 192.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 192.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 192.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 192.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 192.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 166.15 200.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 166.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 166.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 166.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 166.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 166.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 166.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 166.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 166.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 166.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 140.15 200.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 140.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 140.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 140.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 140.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 140.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 140.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 140.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 140.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 140.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 114.15 200.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.50 114.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 254.50 114.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 114.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 114.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 114.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 332.50 114.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 114.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 114.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 114.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 114.15 36.00 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0.9333333333333333 1 rg /GS0 gs 367.50 88.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 371.50 88.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 406.50 88.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.50 88.15 36.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 88.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 88.15 34.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 88.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 488.50 88.15 35.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 88.15 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 88.15 35.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 322.15 m 250.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 322.15 m 254.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 322.15 m 290.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 309.15 m 290.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 322.15 m 294.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 309.15 m 294.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 322.15 m 328.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 309.15 m 328.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 322.15 m 332.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 309.15 m 332.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 322.15 m 367.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 309.15 m 367.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 322.15 m 371.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 309.15 m 371.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 322.15 m 406.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 309.15 m 406.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 322.15 m 410.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 309.15 m 410.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 322.15 m 446.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 309.15 m 446.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 322.15 m 450.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 309.15 m 450.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 322.15 m 484.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 309.15 m 484.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 322.15 m 488.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 309.15 m 488.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 322.15 m 523.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 309.15 m 523.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 322.15 m 527.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 309.15 m 527.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 322.15 m 562.5 322.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 309.15 m 562.5 309.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 296.15 m 250.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 296.15 m 254.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 296.15 m 290.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 296.15 m 294.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 296.15 m 328.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 296.15 m 332.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 296.15 m 367.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 296.15 m 371.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 296.15 m 406.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 296.15 m 410.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 296.15 m 446.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 296.15 m 450.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 296.15 m 484.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 296.15 m 488.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 296.15 m 523.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 296.15 m 527.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 296.15 m 562.5 296.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 270.15 m 290.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 270.15 m 294.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 270.15 m 328.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 270.15 m 332.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 270.15 m 367.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 270.15 m 371.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 270.15 m 406.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 270.15 m 410.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 270.15 m 446.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 270.15 m 450.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 270.15 m 484.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 270.15 m 488.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 270.15 m 523.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 270.15 m 527.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 270.15 m 562.5 270.15 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 244.14999999999998 m 290.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 244.14999999999998 m 294.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 244.14999999999998 m 328.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 244.14999999999998 m 332.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 244.14999999999998 m 367.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 244.14999999999998 m 371.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 244.14999999999998 m 406.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 244.14999999999998 m 410.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 244.14999999999998 m 446.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 244.14999999999998 m 450.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 244.14999999999998 m 484.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 244.14999999999998 m 488.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 244.14999999999998 m 523.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 244.14999999999998 m 527.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 244.14999999999998 m 562.5 244.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 192.14999999999998 m 290.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 192.14999999999998 m 294.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 192.14999999999998 m 328.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 192.14999999999998 m 332.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 192.14999999999998 m 367.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 192.14999999999998 m 371.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 192.14999999999998 m 406.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 192.14999999999998 m 410.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 192.14999999999998 m 446.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 192.14999999999998 m 450.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 192.14999999999998 m 484.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 192.14999999999998 m 488.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 192.14999999999998 m 523.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 192.14999999999998 m 527.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 192.14999999999998 m 562.5 192.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 166.14999999999998 m 290.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 166.14999999999998 m 294.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 166.14999999999998 m 328.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 166.14999999999998 m 332.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 166.14999999999998 m 367.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 166.14999999999998 m 371.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 166.14999999999998 m 406.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 166.14999999999998 m 410.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 166.14999999999998 m 446.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 166.14999999999998 m 450.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 166.14999999999998 m 484.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 166.14999999999998 m 488.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 166.14999999999998 m 523.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 166.14999999999998 m 527.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 166.14999999999998 m 562.5 166.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 153.14999999999998 m 290.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 153.14999999999998 m 294.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 153.14999999999998 m 328.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 153.14999999999998 m 332.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 153.14999999999998 m 367.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 153.14999999999998 m 371.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 153.14999999999998 m 406.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 153.14999999999998 m 410.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 153.14999999999998 m 446.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 153.14999999999998 m 450.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 153.14999999999998 m 484.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 153.14999999999998 m 488.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 153.14999999999998 m 523.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 153.14999999999998 m 527.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 153.14999999999998 m 562.5 153.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 140.14999999999998 m 290.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 140.14999999999998 m 294.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 140.14999999999998 m 328.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 140.14999999999998 m 332.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 140.14999999999998 m 367.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 140.14999999999998 m 371.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 140.14999999999998 m 406.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 140.14999999999998 m 410.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 140.14999999999998 m 446.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 140.14999999999998 m 450.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 140.14999999999998 m 484.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 140.14999999999998 m 488.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 140.14999999999998 m 523.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 140.14999999999998 m 527.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 140.14999999999998 m 562.5 140.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 127.14999999999998 m 290.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 127.14999999999998 m 294.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 127.14999999999998 m 328.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 127.14999999999998 m 332.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 127.14999999999998 m 367.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 127.14999999999998 m 371.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 127.14999999999998 m 406.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 127.14999999999998 m 410.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 127.14999999999998 m 446.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 127.14999999999998 m 450.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 127.14999999999998 m 484.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 127.14999999999998 m 488.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 127.14999999999998 m 523.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 127.14999999999998 m 527.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 127.14999999999998 m 562.5 127.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 75.14999999999998 m 250.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250.5 75.14999999999998 m 254.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 254.5 75.14999999999998 m 290.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 290.5 75.14999999999998 m 294.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 75.14999999999998 m 328.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 75.14999999999998 m 332.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 75.14999999999998 m 367.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 75.14999999999998 m 371.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 371.5 75.14999999999998 m 406.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 406.5 75.14999999999998 m 410.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410.5 75.14999999999998 m 446.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 75.14999999999998 m 450.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 75.14999999999998 m 484.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 75.14999999999998 m 488.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 488.5 75.14999999999998 m 523.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 75.14999999999998 m 527.5 75.14999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527.5 75.14999999999998 m 562.5 75.14999999999998 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 313.40 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 305.40 313.38 Td (2015 Quarters) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.20 313.40 Td (2014 Quarters) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 300.40 Td (\(In thousands, except per share data\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 263.75 300.38 Td (First) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.75 300.38 Td (Second) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.45 300.38 Td (Third) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 376.50 300.38 Td (Fourth) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.65 300.40 Td (First) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.20 300.40 Td (Second) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.60 300.40 Td (Third) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.80 300.40 Td (Fourth) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 288.10 Td (Interest income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 257.00 287.38 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 261.30 287.38 Td (170,357) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.30 287.38 Td (175,241) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.30 287.38 Td (185,379) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.30 287.38 Td (187,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 287.40 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 287.40 Td (161,326) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.30 287.40 Td (166,550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.30 287.40 Td (170,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 287.40 Td (172,715) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 275.10 Td (Interest expense) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.30 274.38 Td (18,466) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.30 274.38 Td (18,349) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 274.38 Td (19,839) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.30 274.38 Td (20,281) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 274.40 Td (17,320) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 274.40 Td (17,370) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.30 274.40 Td (19,006) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 274.40 Td (18,996) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 262.10 Td (Net interest income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 261.30 261.38 Td (151,891) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.30 261.38 Td (156,892) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.30 261.38 Td (165,540) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.30 261.38 Td (167,206) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 261.40 Td (144,006) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.30 261.40 Td (149,180) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.30 261.40 Td (151,670) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 261.40 Td (153,719) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 249.10 Td (Provision for credit losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.30 248.38 Td (6,079) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.30 248.38 Td (9,482) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 248.38 Td (8,322) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 385.30 248.38 Td (9,059) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 248.40 Td (1,880) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.30 248.40 Td (6,660) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.30 248.40 Td (5,864) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 248.40 Td (6,133) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 236.10 Td (Net interest income after provision for credit losses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 261.30 235.38 Td (145,812) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.30 235.38 Td (147,410) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.30 235.38 Td (157,218) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.30 235.38 Td (158,147) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 235.40 Td (142,126) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.30 235.40 Td (142,520) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.30 235.40 Td (145,806) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 235.40 Td (147,586) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 223.10 Td (Non-interest income, excluding net securities gains \(losses\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.30 222.38 Td (64,017) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.30 222.38 Td (77,037) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 222.38 Td (65,051) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.30 222.38 Td (65,169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 222.40 Td (45,562) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 222.40 Td (54,438) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.30 222.40 Td (58,105) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 222.40 Td (57,639) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 210.10 Td (Net securities gains \(losses\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 275.30 209.38 Td (524) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 314.60 209.38 Td (\(24) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 325.30 209.38 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 353.60 209.38 Td (\(98) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.30 209.38 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 392.60 209.38 Td (\(79) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 403.30 209.38 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.60 209.40 Td (\(33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 209.40 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.60 209.40 Td (\(336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 209.40 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.60 209.40 Td (\(153) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.30 209.40 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 209.40 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 197.10 Td (Non-interest expense) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 261.30 196.38 Td (147,318) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.30 196.38 Td (154,297) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.30 196.38 Td (159,974) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 377.30 196.38 Td (166,829) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 196.40 Td (131,315) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.30 196.40 Td (133,591) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.30 196.40 Td (138,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 196.40 Td (143,441) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 184.10 Td (Income before taxes) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.30 183.38 Td (63,035) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.30 183.38 Td (70,126) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 183.38 Td (62,197) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.30 183.38 Td (56,408) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 183.40 Td (56,340) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 183.40 Td (63,031) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.30 183.40 Td (65,258) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 183.40 Td (61,802) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 171.10 Td (Income tax expense) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.30 170.38 Td (23,983) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.30 170.38 Td (26,295) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 170.38 Td (23,842) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.30 170.38 Td (20,896) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 170.40 Td (21,840) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 170.40 Td (24,490) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.30 170.40 Td (25,034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 170.40 Td (23,669) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 158.10 Td (Net income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 257.00 157.38 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.30 157.38 Td (39,052) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.30 157.38 Td (43,831) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 157.38 Td (38,355) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.30 157.38 Td (35,512) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 157.40 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 157.40 Td (34,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 157.40 Td (38,541) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.30 157.40 Td (40,224) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 157.40 Td (38,133) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 145.10 Td (Preferred stock dividends and discount accretion) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 269.30 144.38 Td (1,581) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.30 144.38 Td (1,580) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.30 144.38 Td (4,079) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 385.30 144.38 Td (3,629) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.30 144.40 Td (1,581) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.30 144.40 Td (1,581) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.30 144.40 Td (1,581) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 144.40 Td (1,580) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 132.10 Td (Net income applicable to common shares) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 257.00 131.38 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.30 131.38 Td (37,471) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.30 131.38 Td (42,251) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.30 131.38 Td (34,276) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.30 131.38 Td (31,883) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 131.40 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 131.40 Td (32,919) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 131.40 Td (36,960) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.30 131.40 Td (38,643) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 131.40 Td (36,553) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 119.10 Td (Net income per common share:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 106.10 Td (Basic) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 257.00 105.38 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.30 105.38 Td (0.79) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 105.38 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.30 105.38 Td (0.89) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 335.00 105.38 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 105.38 Td (0.71) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 374.00 105.38 Td ($) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 389.30 105.38 Td (0.66) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.00 105.40 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 105.40 Td (0.71) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 453.00 105.40 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.30 105.40 Td (0.79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.00 105.40 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.30 105.40 Td (0.83) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.00 105.40 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.30 105.40 Td (0.78) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 93.10 Td (Diluted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.30 92.38 Td (0.76) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.30 92.38 Td (0.85) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 92.38 Td (0.69) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 389.30 92.38 Td (0.64) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 92.40 Td (0.68) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.30 92.40 Td (0.76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.30 92.40 Td (0.79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.30 92.40 Td (0.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 80.10 Td (Cash dividends declared per common share) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.30 79.38 Td (0.11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.30 79.38 Td (0.11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.30 79.38 Td (0.11) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 389.30 79.38 Td (0.11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 79.40 Td (0.10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.30 79.40 Td (0.10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.30 79.40 Td (0.10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 545.30 79.40 Td (0.10) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 339 0 obj <> endobj 340 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (169) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (\(27\) Subsequent Events) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.30 718.25 Td (January14, ) Tj ET Q q 0 0 0 rg BT 116.47 718.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.47 718.25 Td (, ) Tj ET Q q 0 0 0 rg BT 143.05 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.34 718.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.30 718.25 Td (announced ) Tj ET Q q 0 0 0 rg BT 249.69 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 265.98 718.25 Td (signing ) Tj ET Q q 0 0 0 rg BT 299.51 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 311.91 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 320.42 718.25 Td (definitive ) Tj ET Q q 0 0 0 rg BT 362.82 718.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 408.54 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.39 718.25 Td (acquire ) Tj ET Q q 0 0 0 rg BT 453.89 718.25 Td (Generations ) Tj ET Q q 0 0 0 rg BT 506.28 718.25 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 546.73 718.25 Td (Inc. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (\("Generations"\). ) Tj ET Q q 0 0 0 rg BT 119.05 706.25 Td (Generations ) Tj ET Q q 0 0 0 rg BT 170.78 706.25 Td (is ) Tj ET Q q 0 0 0 rg BT 180.86 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 196.49 706.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 224.89 706.25 Td (company ) Tj ET Q q 0 0 0 rg BT 264.96 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 276.70 706.25 Td (Foundations ) Tj ET Q q 0 0 0 rg BT 329.57 706.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 354.09 706.25 Td (which ) Tj ET Q q 0 0 0 rg BT 381.94 706.25 Td (operates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.67 706.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.11 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 436.52 706.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 472.15 706.25 Td (location ) Tj ET Q q 0 0 0 rg BT 507.77 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.96 706.25 Td (Pewaukee, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 694.25 Td (isconsin. ) Tj ET Q q 0 0 0 rg BT 96.55 694.25 Td (At ) Tj ET Q q 0 0 0 rg BT 109.42 694.25 Td (September ) Tj ET Q q 0 0 0 rg BT 155.05 694.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 170.42 694.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 195.79 694.25 Td (Foundations ) Tj ET Q q 0 0 0 rg BT 248.10 694.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 272.08 694.25 Td (had ) Tj ET Q q 0 0 0 rg BT 289.38 694.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.01 694.25 Td ($125 ) Tj ET Q q 0 0 0 rg BT 372.88 694.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.77 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 404.64 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 415.28 694.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 443.98 694.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.61 694.25 Td ($72 ) Tj ET Q q 0 0 0 rg BT 522.47 694.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.37 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 554.23 694.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 76.11 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 93.05 682.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.31 682.25 Td ($97 ) Tj ET Q q 0 0 0 rg BT 170.81 682.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.70 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 202.20 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 212.48 682.25 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (On ) Tj ET Q q 0 0 0 rg BT 64.37 658.25 Td (January ) Tj ET Q q 0 0 0 rg BT 97.62 658.25 Td (21, ) Tj ET Q q 0 0 0 rg BT 112.27 658.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 136.92 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 151.29 658.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.32 658.25 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.90 658.25 Td ($15.0 ) Tj ET Q q 0 0 0 rg BT 253.55 658.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.44 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 284.59 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 295.07 658.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 315.00 658.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 353.78 658.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 393.70 658.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 420.85 658.25 Td (by ) Tj ET Q q 0 0 0 rg BT 432.84 658.25 Td (W) Tj ET Q q 0 0 0 rg BT 441.88 658.25 Td (intrust ) Tj ET Q q 0 0 0 rg BT 469.58 658.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 500.46 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 506.22 658.25 Td (rust ) Tj ET Q q 0 0 0 rg BT 523.21 658.25 Td (VIII ) Tj ET Q q 0 0 0 rg BT 542.57 658.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (a ) Tj ET Q q 0 0 0 rg BT 56.98 646.25 Td (third-party ) Tj ET Q q 0 0 0 rg BT 102.28 646.25 Td (investor) Tj ET Q q 0 0 0 rg BT 133.95 646.25 Td (. ) Tj ET Q q 0 0 0 rg BT 138.80 646.25 Td (The ) Tj ET Q q 0 0 0 rg BT 156.89 646.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 194.96 646.25 Td (ef) Tj ET Q q 0 0 0 rg BT 202.55 646.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 240.07 646.25 Td (extinguished ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.71 646.25 Td ($15.0 ) Tj ET Q q 0 0 0 rg BT 318.75 646.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.64 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 350.18 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.05 646.25 Td (junior ) Tj ET Q q 0 0 0 rg BT 387.48 646.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 441.67 646.25 Td (debentures ) Tj ET Q q 0 0 0 rg BT 487.53 646.25 Td (related ) Tj ET Q q 0 0 0 rg BT 517.27 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 527.40 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 536.44 646.25 Td (intrust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 81.20 634.25 Td (T) Tj ET Q q 0 0 0 rg BT 86.96 634.25 Td (rust ) Tj ET Q q 0 0 0 rg BT 104.28 634.25 Td (VIII ) Tj ET Q q 0 0 0 rg BT 123.99 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 140.93 634.25 Td (resulted ) Tj ET Q q 0 0 0 rg BT 175.08 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 185.36 634.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.30 634.25 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 212.30 634.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.19 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 243.69 634.25 Td (gain.) Tj ET Q endstream endobj 341 0 obj <> endobj 342 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (170) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM9. CHANGES IN ) Tj ET Q q 0 0 0 rg BT 154.18 742.25 Td (AND DISAGREEMENTS ) Tj ET Q q 0 0 0 rg BT 268.47 742.25 Td (WITH ) Tj ET Q q 0 0 0 rg BT 298.75 742.25 Td (ACCOUNT) Tj ET Q q 0 0 0 rg BT 348.57 742.25 Td (ANTS ON ) Tj ET Q q 0 0 0 rg BT 394.69 742.25 Td (ACCOUNTING ) Tj ET Q q 0 0 0 rg BT 466.09 742.25 Td (AND FINANCIAL) Tj ET Q q 0 0 0 rg BT 546.37 742.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (DISCLOSURE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.38 709.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.10 709.25 Td (made ) Tj ET Q q 0 0 0 rg BT 134.58 709.25 Td (no ) Tj ET Q q 0 0 0 rg BT 147.42 709.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 182.46 709.25 Td (in ) Tj ET Q q 0 0 0 rg BT 193.07 709.25 Td (or ) Tj ET Q q 0 0 0 rg BT 204.23 709.25 Td (had ) Tj ET Q q 0 0 0 rg BT 221.50 709.25 Td (no ) Tj ET Q q 0 0 0 rg BT 234.33 709.25 Td (disagreements ) Tj ET Q q 0 0 0 rg BT 294.37 709.25 Td (with ) Tj ET Q q 0 0 0 rg BT 314.98 709.25 Td (its ) Tj ET Q q 0 0 0 rg BT 327.26 709.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 378.96 709.25 Td (accountants ) Tj ET Q q 0 0 0 rg BT 428.99 709.25 Td (during ) Tj ET Q q 0 0 0 rg BT 457.93 709.25 Td (the ) Tj ET Q q 0 0 0 rg BT 472.98 709.25 Td (two ) Tj ET Q q 0 0 0 rg BT 490.82 709.25 Td (most ) Tj ET Q q 0 0 0 rg BT 513.10 709.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 540.35 709.25 Td (fiscal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 697.25 Td (years ) Tj ET Q q 0 0 0 rg BT 73.60 697.25 Td (or ) Tj ET Q q 0 0 0 rg BT 84.43 697.25 Td (any ) Tj ET Q q 0 0 0 rg BT 101.37 697.25 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 148.31 697.25 Td (interim ) Tj ET Q q 0 0 0 rg BT 179.69 697.25 Td (period.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.25 Td (ITEM9A. CONTROLS ) Tj ET Q q 0 0 0 rg BT 154.46 676.25 Td (AND PROCEDURES) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 655.25 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 88.52 655.25 Td (e Contr) Tj ET Q q 0 0 0 rg BT 118.43 655.25 Td (ols and Pr) Tj ET Q q 0 0 0 rg BT 159.73 655.25 Td (ocedur) Tj ET Q q 0 0 0 rg BT 187.12 655.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.95 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 75.11 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.16 634.25 Td (end ) Tj ET Q q 0 0 0 rg BT 107.43 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.60 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.65 634.25 Td (period ) Tj ET Q q 0 0 0 rg BT 162.03 634.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 196.51 634.25 Td (by ) Tj ET Q q 0 0 0 rg BT 209.34 634.25 Td (this ) Tj ET Q q 0 0 0 rg BT 226.00 634.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 258.27 634.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 288.32 634.25 Td (on ) Tj ET Q q 0 0 0 rg BT 301.15 634.25 Td (Form ) Tj ET Q q 0 0 0 rg BT 325.65 634.25 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 351.54 634.25 Td (management ) Tj ET Q q 0 0 0 rg BT 405.46 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 416.63 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 431.68 634.25 Td (Company) Tj ET Q q 0 0 0 rg BT 469.91 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 475.25 634.25 Td (under ) Tj ET Q q 0 0 0 rg BT 500.85 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 515.90 634.25 Td (supervision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.37 622.25 Td (with ) Tj ET Q q 0 0 0 rg BT 86.09 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 100.24 622.25 Td (participation ) Tj ET Q q 0 0 0 rg BT 152.71 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 162.98 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.13 622.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 201.28 622.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 243.20 622.25 Td (Of) Tj ET Q q 0 0 0 rg BT 253.57 622.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 273.82 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 290.19 622.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 314.34 622.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 353.49 622.25 Td (Of) Tj ET Q q 0 0 0 rg BT 363.86 622.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 381.78 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 386.21 622.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 415.90 622.25 Td (out ) Tj ET Q q 0 0 0 rg BT 430.61 622.25 Td (an ) Tj ET Q q 0 0 0 rg BT 441.99 622.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 485.57 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 495.84 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 509.99 622.25 Td (ef) Tj ET Q q 0 0 0 rg BT 517.58 622.25 Td (fectiveness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.13 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.16 610.25 Td (design ) Tj ET Q q 0 0 0 rg BT 105.07 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.31 610.25 Td (operation ) Tj ET Q q 0 0 0 rg BT 162.88 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 174.01 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 189.03 610.25 Td (Company) Tj ET Q q 0 0 0 rg BT 230.70 610.25 Td (s ) Tj ET Q q 0 0 0 rg BT 237.39 610.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 280.75 610.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 315.77 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 333.01 610.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 379.68 610.25 Td (as ) Tj ET Q q 0 0 0 rg BT 390.81 610.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 423.60 610.25 Td (under ) Tj ET Q q 0 0 0 rg BT 449.18 610.25 Td (Rules ) Tj ET Q q 0 0 0 rg BT 474.76 610.25 Td (13a-15\(e\) ) Tj ET Q q 0 0 0 rg BT 516.43 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 533.67 610.25 Td (15d-15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (\(e\) ) Tj ET Q q 0 0 0 rg BT 64.15 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 75.53 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.80 598.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 133.29 598.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 175.09 598.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 192.58 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 203.96 598.25 Td (1934 ) Tj ET Q q 0 0 0 rg BT 227.01 598.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 245.61 598.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 291.85 598.25 Td (Act\). ) Tj ET Q q 0 0 0 rg BT 319.61 598.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 347.10 598.25 Td (upon, ) Tj ET Q q 0 0 0 rg BT 372.65 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 390.14 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 401.52 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 412.91 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.17 598.25 Td (date ) Tj ET Q q 0 0 0 rg BT 447.88 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 459.26 598.25 Td (that ) Tj ET Q q 0 0 0 rg BT 477.31 598.25 Td (evaluation, ) Tj ET Q q 0 0 0 rg BT 524.51 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 539.78 598.25 Td (Chief ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 92.59 586.25 Td (Of) Tj ET Q q 0 0 0 rg BT 102.96 586.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 123.88 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 140.93 586.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 165.76 586.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 205.58 586.25 Td (Of) Tj ET Q q 0 0 0 rg BT 215.95 586.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 236.87 586.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 280.58 586.25 Td (that ) Tj ET Q q 0 0 0 rg BT 298.18 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.01 586.25 Td (Company) Tj ET Q q 0 0 0 rg BT 354.67 586.25 Td (s ) Tj ET Q q 0 0 0 rg BT 361.17 586.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 404.33 586.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 439.15 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 456.20 586.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 502.68 586.25 Td (were ) Tj ET Q q 0 0 0 rg BT 524.71 586.25 Td (ef) Tj ET Q q 0 0 0 rg BT 532.30 586.25 Td (fective, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.21 574.25 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 97.08 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.73 574.25 Td (information ) Tj ET Q q 0 0 0 rg BT 161.37 574.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 194.35 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 204.56 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 219.20 574.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 260.52 574.25 Td (\(and ) Tj ET Q q 0 0 0 rg BT 280.72 574.25 Td (its ) Tj ET Q q 0 0 0 rg BT 292.60 574.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 345.58 574.25 Td (subsidiaries\) ) Tj ET Q q 0 0 0 rg BT 398.55 574.25 Td (required ) Tj ET Q q 0 0 0 rg BT 434.30 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 444.51 574.25 Td (be ) Tj ET Q q 0 0 0 rg BT 456.38 574.25 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 496.03 574.25 Td (by ) Tj ET Q q 0 0 0 rg BT 508.46 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.11 574.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 562.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 105.26 562.25 Td (it ) Tj ET Q q 0 0 0 rg BT 113.32 562.25 Td (files ) Tj ET Q q 0 0 0 rg BT 133.04 562.25 Td (or ) Tj ET Q q 0 0 0 rg BT 143.87 562.25 Td (submits ) Tj ET Q q 0 0 0 rg BT 177.49 562.25 Td (under ) Tj ET Q q 0 0 0 rg BT 202.75 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.47 562.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 258.84 562.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 275.78 562.25 Td (was ) Tj ET Q q 0 0 0 rg BT 293.83 562.25 Td (recorded, ) Tj ET Q q 0 0 0 rg BT 333.81 562.25 Td (processed, ) Tj ET Q q 0 0 0 rg BT 378.24 562.25 Td (summarized ) Tj ET Q q 0 0 0 rg BT 429.61 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.55 562.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 482.36 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 492.64 562.25 Td (a ) Tj ET Q q 0 0 0 rg BT 499.58 562.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 527.63 562.25 Td (manner) Tj ET Q q 0 0 0 rg BT 557.07 562.25 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 541.25 Td (Changes in Internal Contr) Tj ET Q q 0 0 0 rg BT 155.46 541.25 Td (ol Over Financial Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 520.25 Td (There ) Tj ET Q q 0 0 0 rg BT 75.07 520.25 Td (were ) Tj ET Q q 0 0 0 rg BT 96.26 520.25 Td (no ) Tj ET Q q 0 0 0 rg BT 108.02 520.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 141.99 520.25 Td (in ) Tj ET Q q 0 0 0 rg BT 151.53 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 165.50 520.25 Td (Company) Tj ET Q q 0 0 0 rg BT 207.17 520.25 Td (s ) Tj ET Q q 0 0 0 rg BT 212.82 520.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 245.12 520.25 Td (control ) Tj ET Q q 0 0 0 rg BT 275.20 520.25 Td (over ) Tj ET Q q 0 0 0 rg BT 294.73 520.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 331.47 520.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 369.89 520.25 Td (that ) Tj ET Q q 0 0 0 rg BT 386.64 520.25 Td (occurred ) Tj ET Q q 0 0 0 rg BT 423.38 520.25 Td (during ) Tj ET Q q 0 0 0 rg BT 451.24 520.25 Td (the ) Tj ET Q q 0 0 0 rg BT 465.22 520.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 495.29 520.25 Td (ended ) Tj ET Q q 0 0 0 rg BT 520.93 520.25 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 64.79 508.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 87.08 508.25 Td (that ) Tj ET Q q 0 0 0 rg BT 104.36 508.25 Td (have ) Tj ET Q q 0 0 0 rg BT 125.52 508.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 168.35 508.25 Td (af) Tj ET Q q 0 0 0 rg BT 175.94 508.25 Td (fected, ) Tj ET Q q 0 0 0 rg BT 205.15 508.25 Td (or ) Tj ET Q q 0 0 0 rg BT 215.76 508.25 Td (are ) Tj ET Q q 0 0 0 rg BT 230.26 508.25 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 275.86 508.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 300.92 508.25 Td (to ) Tj ET Q q 0 0 0 rg BT 310.99 508.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 353.81 508.25 Td (af) Tj ET Q q 0 0 0 rg BT 361.40 508.25 Td (fect, ) Tj ET Q q 0 0 0 rg BT 381.17 508.25 Td (the ) Tj ET Q q 0 0 0 rg BT 395.68 508.25 Td (Company) Tj ET Q q 0 0 0 rg BT 437.34 508.25 Td (s ) Tj ET Q q 0 0 0 rg BT 443.52 508.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 476.35 508.25 Td (control ) Tj ET Q q 0 0 0 rg BT 506.97 508.25 Td (over ) Tj ET Q q 0 0 0 rg BT 527.02 508.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.25 Td (reporting.) 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BT 342.64 628.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.44 628.10 Td (company) Tj ET Q q 0 0 0 rg BT 396.88 628.10 Td (s ) Tj ET Q q 0 0 0 rg BT 403.36 628.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 436.50 628.10 Td (control ) Tj ET Q q 0 0 0 rg BT 467.41 628.10 Td (over ) Tj ET Q q 0 0 0 rg BT 487.77 628.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 525.34 628.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 616.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.27 616.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.77 616.10 Td (our ) Tj ET Q q 0 0 0 rg BT 103.60 616.10 Td (audit. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 595.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 595.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.95 595.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 109.92 595.10 Td (our ) Tj ET Q q 0 0 0 rg BT 126.12 595.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 148.99 595.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.64 595.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 207.48 595.10 Td (with ) Tj ET Q q 0 0 0 rg BT 228.13 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Td (Our ) Tj ET Q q 0 0 0 rg BT 321.55 571.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 343.69 571.10 Td (included ) Tj ET Q q 0 0 0 rg BT 380.26 571.10 Td (obtaining ) Tj ET Q q 0 0 0 rg BT 420.17 571.10 Td (an ) Tj ET Q q 0 0 0 rg BT 431.74 571.10 Td (understanding ) Tj ET Q q 0 0 0 rg BT 490.54 571.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.00 571.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 533.68 571.10 Td (control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 559.10 Td (over ) Tj ET Q q 0 0 0 rg BT 71.69 559.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 110.58 559.10 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 153.66 559.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 194.79 559.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.93 559.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 229.84 559.10 Td (that ) Tj ET Q q 0 0 0 rg BT 248.76 559.10 Td (a ) Tj ET Q q 0 0 0 rg BT 257.11 559.10 Td (material ) Tj ET Q q 0 0 0 rg BT 293.79 559.10 Td (weakness ) Tj ET Q q 0 0 0 rg BT 336.03 559.10 Td (exists, ) Tj ET Q q 0 0 0 rg BT 365.22 559.10 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Tj ET Q q 0 0 0 rg BT 395.89 547.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 442.22 547.10 Td (as ) Tj ET Q q 0 0 0 rg BT 453.01 547.10 Td (we ) Tj ET Q q 0 0 0 rg BT 467.13 547.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 512.91 547.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 554.24 547.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 535.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 535.10 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 126.18 535.10 Td (W) Tj ET Q q 0 0 0 rg BT 134.81 535.10 Td (e ) Tj ET Q q 0 0 0 rg BT 141.75 535.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 173.13 535.10 Td (that ) Tj ET Q q 0 0 0 rg BT 190.62 535.10 Td (our ) Tj ET Q q 0 0 0 rg BT 206.45 535.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 228.95 535.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 265.88 535.10 Td (a ) Tj ET Q q 0 0 0 rg BT 272.82 535.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 318.08 535.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 340.58 535.10 Td (for ) Tj ET Q q 0 0 0 rg BT 354.74 535.10 Td (our ) Tj ET Q q 0 0 0 rg BT 370.57 535.10 Td (opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.30 514.10 Td (company) Tj ET Q q 0 0 0 rg BT 97.74 514.10 Td (s ) Tj ET Q q 0 0 0 rg BT 103.26 514.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 135.43 514.10 Td (control ) Tj ET Q q 0 0 0 rg BT 165.39 514.10 Td (over ) Tj ET Q q 0 0 0 rg BT 184.79 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 221.41 514.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 259.69 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 268.00 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.07 514.10 Td (process ) Tj ET Q q 0 0 0 rg BT 305.69 514.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 342.87 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.28 514.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 384.46 514.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 428.84 514.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 469.34 514.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 509.29 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.14 514.10 Td (reliability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.59 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 99.84 502.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 139.76 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.46 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.94 502.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 221.74 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.33 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 271.58 502.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 317.05 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 331.98 502.10 Td (external ) Tj ET Q q 0 0 0 rg BT 367.44 502.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 406.26 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.30 502.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 465.53 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.57 502.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 527.04 502.10 Td (accepted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 95.75 490.10 Td (principles. ) Tj ET Q q 0 0 0 rg BT 139.15 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 145.82 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.70 490.10 Td (company) Tj ET Q q 0 0 0 rg BT 187.13 490.10 Td (s ) Tj ET Q q 0 0 0 rg BT 192.91 490.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 225.33 490.10 Td (control ) Tj ET Q q 0 0 0 rg BT 255.53 490.10 Td (over ) Tj ET Q q 0 0 0 rg BT 275.18 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.04 490.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 350.58 490.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 385.78 490.10 Td (those ) Tj ET Q q 0 0 0 rg BT 408.77 490.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 441.75 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.07 490.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 503.82 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 520.69 490.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 534.23 490.10 Td (pertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.00 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.44 478.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 127.18 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.74 478.10 Td (records ) Tj ET Q q 0 0 0 rg BT 169.38 478.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 189.10 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.10 478.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 244.07 478.10 Td (detail, ) Tj ET Q q 0 0 0 rg BT 271.01 478.10 Td (accurately ) Tj ET Q q 0 0 0 rg BT 314.31 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.97 478.10 Td (fairly ) Tj ET Q q 0 0 0 rg BT 354.84 478.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 382.59 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.03 478.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 447.02 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.68 478.10 Td (dispositions ) Tj ET Q q 0 0 0 rg BT 513.68 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.24 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 478.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.17 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.23 466.10 Td (company; ) Tj ET Q q 0 0 0 rg BT 118.51 466.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 133.01 466.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 166.40 466.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 212.00 466.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 253.71 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 271.55 466.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 322.16 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 337.21 466.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 375.03 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 386.20 466.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 427.91 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 438.53 466.10 Td (permit ) Tj ET Q q 0 0 0 rg BT 467.48 466.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 515.85 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.03 466.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 95.08 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.72 454.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 153.54 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 174.18 454.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 214.25 454.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 252.08 454.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 298.82 454.10 Td (principles, ) Tj ET Q q 0 0 0 rg BT 343.62 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.92 454.10 Td (that ) Tj ET Q q 0 0 0 rg BT 378.78 454.10 Td (receipts ) Tj ET Q q 0 0 0 rg BT 412.74 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.04 454.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 484.00 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.19 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.27 454.10 Td (company ) Tj ET Q q 0 0 0 rg BT 549.79 454.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (being ) Tj ET Q q 0 0 0 rg BT 75.45 442.10 Td (made ) Tj ET Q q 0 0 0 rg BT 100.34 442.10 Td (only ) Tj ET Q q 0 0 0 rg BT 121.35 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.36 442.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 180.56 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 201.57 442.10 Td (authorizations ) Tj ET Q q 0 0 0 rg BT 261.46 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.02 442.10 Td (management ) Tj ET Q q 0 0 0 rg BT 327.34 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.01 442.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 383.23 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.80 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.25 442.10 Td (company; ) Tj ET Q q 0 0 0 rg BT 452.92 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.59 442.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 485.48 442.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 519.26 442.10 Td (reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 91.64 430.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 132.73 430.10 Td (prevention ) Tj ET Q q 0 0 0 rg BT 178.26 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 189.37 430.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 217.69 430.10 Td (detection ) Tj ET Q q 0 0 0 rg BT 257.11 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.22 430.10 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 323.19 430.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 372.34 430.10 Td (use, ) Tj ET Q q 0 0 0 rg BT 390.95 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 402.05 430.10 Td (disposition ) Tj ET Q q 0 0 0 rg BT 448.72 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.82 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.81 430.10 Td (company) Tj ET Q q 0 0 0 rg BT 514.24 430.10 Td (s ) Tj ET Q q 0 0 0 rg BT 520.91 430.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 547.01 430.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 418.10 Td (have ) Tj ET Q q 0 0 0 rg BT 96.09 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 103.03 418.10 Td (material ) Tj ET Q q 0 0 0 rg BT 138.29 418.10 Td (ef) Tj ET Q q 0 0 0 rg BT 145.88 418.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 163.36 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 175.86 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.58 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.06 418.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 397.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 87.24 397.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.49 397.10 Td (its ) Tj ET Q q 0 0 0 rg BT 112.85 397.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 149.54 397.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 198.74 397.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 233.20 397.10 Td (control ) Tj ET Q q 0 0 0 rg BT 265.45 397.10 Td (over ) Tj ET Q q 0 0 0 rg BT 287.13 397.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 326.04 397.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 366.61 397.10 Td (may ) Tj ET Q q 0 0 0 rg BT 387.75 397.10 Td (not ) Tj ET Q q 0 0 0 rg BT 404.45 397.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 438.35 397.10 Td (or ) Tj ET Q q 0 0 0 rg BT 450.60 397.10 Td (detect ) Tj ET Q q 0 0 0 rg BT 478.40 397.10 Td (misstatements. ) Tj ET Q q 0 0 0 rg BT 540.61 397.10 Td (Also, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 385.10 Td (projections ) Tj ET Q q 0 0 0 rg BT 96.31 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.52 385.10 Td (any ) Tj ET Q q 0 0 0 rg BT 122.84 385.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 166.37 385.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.58 385.10 Td (ef) Tj ET Q q 0 0 0 rg BT 184.17 385.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 230.47 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.13 385.10 Td (future ) Tj ET Q q 0 0 0 rg BT 265.89 385.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 297.21 385.10 Td (are ) Tj ET Q q 0 0 0 rg BT 311.29 385.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 341.50 385.10 Td (to ) Tj ET Q q 0 0 0 rg BT 351.16 385.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.25 385.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 382.13 385.10 Td (that ) Tj ET Q q 0 0 0 rg BT 399.01 385.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 433.11 385.10 Td (may ) Tj ET Q q 0 0 0 rg BT 452.20 385.10 Td (become ) Tj ET Q q 0 0 0 rg BT 485.18 385.10 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 530.37 385.10 Td (because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 373.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 95.54 373.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.82 373.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 152.48 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 163.31 373.10 Td (that ) Tj ET Q q 0 0 0 rg BT 180.81 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.52 373.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 224.67 373.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.50 373.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 284.09 373.10 Td (with ) Tj ET Q q 0 0 0 rg BT 304.37 373.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.08 373.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 352.69 373.10 Td (or ) Tj ET Q q 0 0 0 rg BT 363.52 373.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 409.88 373.10 Td (may ) Tj ET Q q 0 0 0 rg BT 429.60 373.10 Td (deteriorate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 352.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.33 352.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.67 352.10 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 110.58 352.10 Td (W) Tj ET Q q 0 0 0 rg BT 119.62 352.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 147.18 352.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 186.40 352.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 236.72 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.17 352.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 302.39 352.10 Td (maintained, ) Tj ET Q q 0 0 0 rg BT 351.32 352.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.10 352.10 Td (all ) Tj ET Q q 0 0 0 rg BT 373.10 352.10 Td (material ) Tj ET Q q 0 0 0 rg BT 407.86 352.10 Td (respects, ) Tj ET Q q 0 0 0 rg BT 444.57 352.10 Td (ef) Tj ET Q q 0 0 0 rg BT 452.16 352.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 481.36 352.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 513.91 352.10 Td (control ) Tj ET Q q 0 0 0 rg BT 544.24 352.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 340.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 340.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 126.64 340.10 Td (as ) Tj ET Q q 0 0 0 rg BT 137.47 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.30 340.10 Td (December ) Tj ET Q q 0 0 0 rg BT 191.88 340.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 206.88 340.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 231.88 340.10 Td (based ) Tj ET Q q 0 0 0 rg BT 257.15 340.10 Td (on ) Tj ET Q q 0 0 0 rg BT 269.65 340.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.37 340.10 Td (COSO ) Tj ET Q q 0 0 0 rg BT 313.54 340.10 Td (criteria.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 319.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 319.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.52 319.10 Td (also ) Tj ET Q q 0 0 0 rg BT 84.08 319.10 Td (have ) Tj ET Q q 0 0 0 rg BT 105.40 319.10 Td (audited, ) Tj ET Q q 0 0 0 rg BT 139.79 319.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.01 319.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 197.42 319.10 Td (with ) Tj ET Q q 0 0 0 rg BT 217.65 319.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.31 319.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 272.53 319.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.31 319.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.97 319.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 325.97 319.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 366.77 319.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 415.87 319.10 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 457.76 319.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 484.64 319.10 Td (\(United ) Tj ET Q q 0 0 0 rg BT 517.64 319.10 Td (States\), ) Tj ET Q q 0 0 0 rg BT 549.80 319.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 307.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 72.37 307.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 125.29 307.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 162.64 307.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 207.23 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.93 307.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 258.08 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.61 307.10 Td (W) Tj ET Q q 0 0 0 rg BT 277.65 307.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 305.58 307.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 345.16 307.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 395.86 307.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.67 307.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 462.26 307.10 Td (as ) Tj ET Q q 0 0 0 rg BT 472.96 307.10 Td (of ) Tj ET Q q 0 0 0 rg BT 483.67 307.10 Td (December ) Tj ET Q q 0 0 0 rg BT 527.12 307.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 542.00 307.10 Td (2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 295.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.54 295.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 93.15 295.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.69 295.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.01 295.10 Td (related ) Tj ET Q q 0 0 0 rg BT 156.32 295.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 209.96 295.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 255.28 295.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.72 295.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 301.75 295.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 365.39 295.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 400.43 295.10 Td (shareholders) Tj ET Q q 0 0 0 rg BT 453.55 295.10 Td ( ) Tj ET Q q 0 0 0 rg BT 456.66 295.10 Td (equity) Tj ET Q q 0 0 0 rg BT 481.00 295.10 Td (, ) Tj ET Q q 0 0 0 rg BT 486.61 295.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.15 295.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 525.02 295.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 550.35 295.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 283.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.69 283.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.39 283.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.98 283.10 Td (three ) Tj ET Q q 0 0 0 rg BT 118.34 283.10 Td (years ) Tj ET Q q 0 0 0 rg BT 141.81 283.10 Td (in ) Tj ET Q q 0 0 0 rg BT 151.96 283.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.55 283.10 Td (period ) Tj ET Q q 0 0 0 rg BT 194.47 283.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 220.72 283.10 Td (December ) Tj ET Q q 0 0 0 rg BT 264.18 283.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 279.05 283.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 301.43 283.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.96 283.10 Td (W) Tj ET Q q 0 0 0 rg BT 321.00 283.10 Td (intrust ) Tj ET Q q 0 0 0 rg BT 348.93 283.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 388.51 283.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 439.21 283.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.02 283.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 505.61 283.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.42 283.10 Td (our ) Tj ET Q q 0 0 0 rg BT 538.12 283.10 Td (report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 271.10 Td (dated ) Tj ET Q q 0 0 0 rg BT 74.16 271.10 Td (February ) Tj ET Q q 0 0 0 rg BT 112.75 271.10 Td (29, ) Tj ET Q q 0 0 0 rg BT 127.75 271.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 150.25 271.10 Td (expressed ) Tj ET Q q 0 0 0 rg BT 192.18 271.10 Td (an ) Tj ET Q q 0 0 0 rg BT 204.12 271.10 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 252.16 271.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 285.22 271.10 Td (thereon.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.90 Td (/s/ ) Tj ET Q q 0 0 0 rg BT 61.95 236.90 Td (Ernst ) Tj ET Q q 0 0 0 rg BT 85.56 236.90 Td (& ) Tj ET Q q 0 0 0 rg BT 95.46 236.90 Td (Y) Tj ET Q q 0 0 0 rg BT 101.68 236.90 Td (oung ) Tj ET Q q 0 0 0 rg BT 124.18 236.90 Td (LLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.90 Td (Chicago, Illinois) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.90 Td (February29, 2016) Tj ET Q endstream endobj 347 0 obj <> endobj 348 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (173) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM9B. OTHER INFORMA) Tj ET Q q 0 0 0 rg BT 182.60 742.25 Td (TION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (None.) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 697.85 Td (P) Tj ET Q q 0 0 0 rg BT 56.44 697.85 Td (AR) Tj ET Q q 0 0 0 rg BT 73.35 697.85 Td (T) Tj ET Q q 0 0 0 rg BT 81.14 697.85 Td ( III) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 676.85 Td (ITEM10. DIRECT) Tj ET Q q 0 0 0 rg BT 132.89 676.85 Td (ORS, EXECUTIVE OFFICERS ) Tj ET Q q 0 0 0 rg BT 272.92 676.85 Td (AND CORPORA) Tj ET Q q 0 0 0 rg BT 346.89 676.85 Td (TE GOVERNANCE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 655.85 Td (The ) Tj ET Q q 0 0 0 rg BT 67.96 655.85 Td (information ) Tj ET Q q 0 0 0 rg BT 117.58 655.85 Td (required ) Tj ET Q q 0 0 0 rg BT 153.30 655.85 Td (in ) Tj ET Q q 0 0 0 rg BT 163.49 655.85 Td (response ) Tj ET Q q 0 0 0 rg BT 200.89 655.85 Td (to ) Tj ET Q q 0 0 0 rg BT 211.08 655.85 Td (this ) Tj ET Q q 0 0 0 rg BT 227.94 655.85 Td (item ) Tj ET Q q 0 0 0 rg BT 248.12 655.85 Td (will ) Tj ET Q q 0 0 0 rg BT 266.09 655.85 Td (be ) Tj ET Q q 0 0 0 rg BT 277.93 655.85 Td (contained ) Tj ET Q q 0 0 0 rg BT 319.22 655.85 Td (in ) Tj ET Q q 0 0 0 rg BT 329.40 655.85 Td (the ) Tj ET Q q 0 0 0 rg BT 344.03 655.85 Td (Company) Tj ET Q q 0 0 0 rg BT 385.70 655.85 Td (s ) Tj ET Q q 0 0 0 rg BT 392.00 655.85 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 418.30 655.85 Td (Statement ) Tj ET Q q 0 0 0 rg BT 460.70 655.85 Td (for ) Tj ET Q q 0 0 0 rg BT 474.77 655.85 Td (its ) Tj ET Q q 0 0 0 rg BT 486.09 655.85 Td (Annual ) Tj ET Q q 0 0 0 rg BT 517.94 655.85 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 553.68 655.85 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 643.85 Td (Shareholders ) Tj ET Q q 0 0 0 rg BT 105.01 643.85 Td (to ) Tj ET Q q 0 0 0 rg BT 115.59 643.85 Td (be ) Tj ET Q q 0 0 0 rg BT 127.84 643.85 Td (held ) Tj ET Q q 0 0 0 rg BT 147.86 643.85 Td (May26, ) Tj ET Q q 0 0 0 rg BT 183.99 643.85 Td (2016 ) Tj ET Q q 0 0 0 rg BT 206.80 643.85 Td (\(the ) Tj ET Q q 0 0 0 rg BT 225.15 643.85 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 256.28 643.85 Td (Statement\) ) Tj ET Q q 0 0 0 rg BT 306.84 643.85 Td (under ) Tj ET Q q 0 0 0 rg BT 332.42 643.85 Td (the ) Tj ET Q q 0 0 0 rg BT 347.44 643.85 Td (captions ) Tj ET Q q 0 0 0 rg BT 383.57 643.85 Td (Election ) Tj ET Q q 0 0 0 rg BT 424.13 643.85 Td (of ) Tj ET Q q 0 0 0 rg BT 435.26 643.85 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 482.21 643.85 Td (Executive ) Tj ET Q q 0 0 0 rg BT 529.44 643.85 Td (Of) Tj ET Q q 0 0 0 rg BT 539.81 643.85 Td (ficers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 631.85 Td (of ) Tj ET Q q 0 0 0 rg BT 62.53 631.85 Td (the ) Tj ET Q q 0 0 0 rg BT 78.95 631.85 Td (Company) Tj ET Q q 0 0 0 rg BT 117.19 631.85 Td (, ) Tj ET Q q 0 0 0 rg BT 128.33 631.85 Td (Board ) Tj ET Q q 0 0 0 rg BT 161.41 631.85 Td (of ) Tj ET Q q 0 0 0 rg BT 173.94 631.85 Td (Directors) Tj ET Q q 0 0 0 rg BT 213.73 631.85 Td ( ) Tj ET Q q 0 0 0 rg BT 217.93 631.85 Td (Committees ) Tj ET Q q 0 0 0 rg BT 270.47 631.85 Td (and ) Tj ET Q q 0 0 0 rg BT 289.11 631.85 Td (Governance ) Tj ET Q q 0 0 0 rg BT 346.05 631.85 Td (and ) Tj ET Q q 0 0 0 rg BT 364.69 631.85 Td (Section ) Tj ET Q q 0 0 0 rg BT 403.33 631.85 Td (16\(a\) ) Tj ET Q q 0 0 0 rg BT 428.63 631.85 Td (Beneficial ) Tj ET Q q 0 0 0 rg BT 473.92 631.85 Td (Ownership ) Tj ET Q q 0 0 0 rg BT 522.00 631.85 Td (Reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 619.85 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 105.26 619.85 Td (and ) Tj ET Q q 0 0 0 rg BT 122.20 619.85 Td (is ) Tj ET Q q 0 0 0 rg BT 131.37 619.85 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 184.40 619.85 Td (herein ) Tj ET Q q 0 0 0 rg BT 211.88 619.85 Td (by ) Tj ET Q q 0 0 0 rg BT 224.38 619.85 Td (reference.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.85 Td (The ) Tj ET Q q 0 0 0 rg BT 68.04 598.85 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.42 598.85 Td (has ) Tj ET Q q 0 0 0 rg BT 125.25 598.85 Td (adopted ) Tj ET Q q 0 0 0 rg BT 159.40 598.85 Td (a ) Tj ET Q q 0 0 0 rg BT 166.33 598.85 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 208.81 598.85 Td (Code ) Tj ET Q q 0 0 0 rg BT 232.42 598.85 Td (of ) Tj ET Q q 0 0 0 rg BT 243.24 598.85 Td (Ethics ) Tj ET Q q 0 0 0 rg BT 270.73 598.85 Td (which ) Tj ET Q q 0 0 0 rg BT 297.67 598.85 Td (complies ) Tj ET Q q 0 0 0 rg BT 336.26 598.85 Td (with ) Tj ET Q q 0 0 0 rg BT 356.54 598.85 Td (the ) Tj ET Q q 0 0 0 rg BT 371.25 598.85 Td (rules ) Tj ET Q q 0 0 0 rg BT 393.18 598.85 Td (of ) Tj ET Q q 0 0 0 rg BT 404.01 598.85 Td (the ) Tj ET Q q 0 0 0 rg BT 418.72 598.85 Td (SEC ) Tj ET Q q 0 0 0 rg BT 439.56 598.85 Td (and ) Tj ET Q q 0 0 0 rg BT 456.49 598.85 Td (the ) Tj ET Q q 0 0 0 rg BT 471.20 598.85 Td (listing ) Tj ET Q q 0 0 0 rg BT 498.70 598.85 Td (standards ) Tj ET Q q 0 0 0 rg BT 538.96 598.85 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 598.85 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.85 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 93.99 586.85 Td (Global ) Tj ET Q q 0 0 0 rg BT 123.52 586.85 Td (Select ) Tj ET Q q 0 0 0 rg BT 150.28 586.85 Td (Market. ) Tj ET Q q 0 0 0 rg BT 183.80 586.85 Td (The ) Tj ET Q q 0 0 0 rg BT 201.67 586.85 Td (code ) Tj ET Q q 0 0 0 rg BT 222.86 586.85 Td (applies ) Tj ET Q q 0 0 0 rg BT 253.51 586.85 Td (to ) Tj ET Q q 0 0 0 rg BT 263.60 586.85 Td (all ) Tj ET Q q 0 0 0 rg BT 275.92 586.85 Td (of ) Tj ET Q q 0 0 0 rg BT 286.57 586.85 Td (the ) Tj ET Q q 0 0 0 rg BT 301.10 586.85 Td (Company) Tj ET Q q 0 0 0 rg BT 342.77 586.85 Td (s ) Tj ET Q q 0 0 0 rg BT 348.98 586.85 Td (directors, ) Tj ET Q q 0 0 0 rg BT 388.78 586.85 Td (of) Tj ET Q q 0 0 0 rg BT 396.93 586.85 Td (ficers ) Tj ET Q q 0 0 0 rg BT 421.45 586.85 Td (and ) Tj ET Q q 0 0 0 rg BT 438.21 586.85 Td (employees ) Tj ET Q q 0 0 0 rg BT 483.29 586.85 Td (and ) Tj ET Q q 0 0 0 rg BT 500.05 586.85 Td (is ) Tj ET Q q 0 0 0 rg BT 509.04 586.85 Td (posted ) Tj ET Q q 0 0 0 rg BT 537.46 586.85 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 586.85 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.85 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 574.85 Td (s ) Tj ET Q q 0 0 0 rg BT 97.18 574.85 Td (website ) Tj ET Q q 0 0 0 rg BT 129.34 574.85 Td (\(www) Tj ET Q q 0 0 0 rg BT 153.69 574.85 Td (.wintrust.com\), ) Tj ET Q q 0 0 0 rg BT 216.13 574.85 Td (under ) Tj ET Q q 0 0 0 rg BT 240.52 574.85 Td (the ) Tj ET Q q 0 0 0 rg BT 254.36 574.85 Td ("Corporate ) Tj ET Q q 0 0 0 rg BT 300.05 574.85 Td (Governance" ) Tj ET Q q 0 0 0 rg BT 354.06 574.85 Td (section ) Tj ET Q q 0 0 0 rg BT 384.00 574.85 Td (of ) Tj ET Q q 0 0 0 rg BT 393.95 574.85 Td (the ) Tj ET Q q 0 0 0 rg BT 407.79 574.85 Td ("Investor ) Tj ET Q q 0 0 0 rg BT 446.26 574.85 Td (Relations" ) Tj ET Q q 0 0 0 rg BT 489.73 574.85 Td (tab. ) Tj ET Q q 0 0 0 rg BT 505.95 574.85 Td (The ) Tj ET Q q 0 0 0 rg BT 523.12 574.85 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.85 Td (will ) Tj ET Q q 0 0 0 rg BT 68.21 562.85 Td (post ) Tj ET Q q 0 0 0 rg BT 87.53 562.85 Td (on ) Tj ET Q q 0 0 0 rg BT 100.19 562.85 Td (its ) Tj ET Q q 0 0 0 rg BT 112.29 562.85 Td (website ) Tj ET Q q 0 0 0 rg BT 145.49 562.85 Td (any ) Tj ET Q q 0 0 0 rg BT 162.58 562.85 Td (amendments ) Tj ET Q q 0 0 0 rg BT 215.77 562.85 Td (to, ) Tj ET Q q 0 0 0 rg BT 228.70 562.85 Td (or ) Tj ET Q q 0 0 0 rg BT 239.69 562.85 Td (waivers ) Tj ET Q q 0 0 0 rg BT 273.44 562.85 Td (from, ) Tj ET Q q 0 0 0 rg BT 298.03 562.85 Td (its ) Tj ET Q q 0 0 0 rg BT 310.13 562.85 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 352.77 562.85 Td (Code ) Tj ET Q q 0 0 0 rg BT 376.53 562.85 Td (of ) Tj ET Q q 0 0 0 rg BT 387.51 562.85 Td (Ethics ) Tj ET Q q 0 0 0 rg BT 415.16 562.85 Td (as ) Tj ET Q q 0 0 0 rg BT 426.14 562.85 Td (the ) Tj ET Q q 0 0 0 rg BT 441.01 562.85 Td (code ) Tj ET Q q 0 0 0 rg BT 462.54 562.85 Td (applies ) Tj ET Q q 0 0 0 rg BT 493.52 562.85 Td (to ) Tj ET Q q 0 0 0 rg BT 503.95 562.85 Td (its ) Tj ET Q q 0 0 0 rg BT 516.05 562.85 Td (directors ) Tj ET Q q 0 0 0 rg BT 553.69 562.85 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.85 Td (executive ) Tj ET Q q 0 0 0 rg BT 90.81 550.85 Td (of) Tj ET Q q 0 0 0 rg BT 98.96 550.85 Td (ficers.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 529.85 Td (ITEM1) Tj ET Q q 0 0 0 rg BT 83.62 529.85 Td (1. EXECUTIVE COMPENSA) Tj ET Q q 0 0 0 rg BT 212.06 529.85 Td (TION) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.85 Td (The ) Tj ET Q q 0 0 0 rg BT 66.98 508.85 Td (information ) Tj ET Q q 0 0 0 rg BT 115.62 508.85 Td (required ) Tj ET Q q 0 0 0 rg BT 150.36 508.85 Td (in ) Tj ET Q q 0 0 0 rg BT 159.57 508.85 Td (response ) Tj ET Q q 0 0 0 rg BT 195.98 508.85 Td (to ) Tj ET Q q 0 0 0 rg BT 205.19 508.85 Td (this ) Tj ET Q q 0 0 0 rg BT 221.07 508.85 Td (item ) Tj ET Q q 0 0 0 rg BT 240.27 508.85 Td (will ) Tj ET Q q 0 0 0 rg BT 257.25 508.85 Td (be ) Tj ET Q q 0 0 0 rg BT 268.12 508.85 Td (contained ) Tj ET Q q 0 0 0 rg BT 308.42 508.85 Td (in ) Tj ET Q q 0 0 0 rg BT 317.63 508.85 Td (the ) Tj ET Q q 0 0 0 rg BT 331.27 508.85 Td (Company) Tj ET Q q 0 0 0 rg BT 372.94 508.85 Td (s ) Tj ET Q q 0 0 0 rg BT 378.26 508.85 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 403.58 508.85 Td (Statement ) Tj ET Q q 0 0 0 rg BT 445.00 508.85 Td (under ) Tj ET Q q 0 0 0 rg BT 469.19 508.85 Td (the ) Tj ET Q q 0 0 0 rg BT 482.84 508.85 Td (captions ) Tj ET Q q 0 0 0 rg BT 517.59 508.85 Td (Executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.85 Td (Compensation, ) Tj ET Q q 0 0 0 rg BT 117.41 496.85 Td (Director ) Tj ET Q q 0 0 0 rg BT 157.87 496.85 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 222.78 496.85 Td ("Compensation ) Tj ET Q q 0 0 0 rg BT 287.33 496.85 Td (Committee ) Tj ET Q q 0 0 0 rg BT 334.47 496.85 Td (Interlocks ) Tj ET Q q 0 0 0 rg BT 377.16 496.85 Td (and ) Tj ET Q q 0 0 0 rg BT 394.30 496.85 Td (Insider ) Tj ET Q q 0 0 0 rg BT 424.77 496.85 Td (Participation" ) Tj ET Q q 0 0 0 rg BT 482.65 496.85 Td (and ) Tj ET Q q 0 0 0 rg BT 499.79 496.85 Td (Compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.85 Td (Committee ) Tj ET Q q 0 0 0 rg BT 95.72 484.85 Td (Report ) Tj ET Q q 0 0 0 rg BT 128.66 484.85 Td (and ) Tj ET Q q 0 0 0 rg BT 144.37 484.85 Td (is ) Tj ET Q q 0 0 0 rg BT 152.33 484.85 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 204.14 484.85 Td (herein ) Tj ET Q q 0 0 0 rg BT 230.40 484.85 Td (by ) Tj ET Q q 0 0 0 rg BT 241.69 484.85 Td (reference. ) Tj ET Q q 0 0 0 rg BT 282.56 484.85 Td (The ) Tj ET Q q 0 0 0 rg BT 299.38 484.85 Td (information ) Tj ET Q q 0 0 0 rg BT 347.88 484.85 Td (included ) Tj ET Q q 0 0 0 rg BT 383.59 484.85 Td (under ) Tj ET Q q 0 0 0 rg BT 407.64 484.85 Td (the ) Tj ET Q q 0 0 0 rg BT 421.14 484.85 Td (heading ) Tj ET Q q 0 0 0 rg BT 454.07 484.85 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 517.57 484.85 Td (Committee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.85 Td (Report ) Tj ET Q q 0 0 0 rg BT 84.14 472.85 Td (in ) Tj ET Q q 0 0 0 rg BT 94.40 472.85 Td (the ) Tj ET Q q 0 0 0 rg BT 109.10 472.85 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 135.47 472.85 Td (Statement ) Tj ET Q q 0 0 0 rg BT 177.95 472.85 Td (shall ) Tj ET Q q 0 0 0 rg BT 199.32 472.85 Td (not ) Tj ET Q q 0 0 0 rg BT 214.58 472.85 Td (be ) Tj ET Q q 0 0 0 rg BT 226.50 472.85 Td (deemed ) Tj ET Q q 0 0 0 rg BT 260.08 472.85 Td (soliciting ) Tj ET Q q 0 0 0 rg BT 308.66 472.85 Td (materials ) Tj ET Q q 0 0 0 rg BT 347.79 472.85 Td (or ) Tj ET Q q 0 0 0 rg BT 358.60 472.85 Td (to ) Tj ET Q q 0 0 0 rg BT 368.86 472.85 Td (be ) Tj ET Q q 0 0 0 rg BT 380.79 472.85 Td (filed ) Tj ET Q q 0 0 0 rg BT 410.47 472.85 Td (with ) Tj ET Q q 0 0 0 rg BT 430.73 472.85 Td (the ) Tj ET Q q 0 0 0 rg BT 445.43 472.85 Td (SEC ) Tj ET Q q 0 0 0 rg BT 466.25 472.85 Td (or ) Tj ET Q q 0 0 0 rg BT 477.07 472.85 Td (subject ) Tj ET Q q 0 0 0 rg BT 507.88 472.85 Td (to ) Tj ET Q q 0 0 0 rg BT 518.14 472.85 Td (Regulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.85 Td (14A) Tj ET Q q 0 0 0 rg BT 66.67 460.85 Td ( ) Tj ET Q q 0 0 0 rg BT 69.17 460.85 Td (or ) Tj ET Q q 0 0 0 rg BT 80.00 460.85 Td (14C, ) Tj ET Q q 0 0 0 rg BT 101.67 460.85 Td (or ) Tj ET Q q 0 0 0 rg BT 112.50 460.85 Td (to ) Tj ET Q q 0 0 0 rg BT 122.78 460.85 Td (the ) Tj ET Q q 0 0 0 rg BT 137.50 460.85 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 177.21 460.85 Td (of ) Tj ET Q q 0 0 0 rg BT 188.04 460.85 Td (Section18 ) Tj ET Q q 0 0 0 rg BT 233.04 460.85 Td (of ) Tj ET Q q 0 0 0 rg BT 243.87 460.85 Td (the ) Tj ET Q q 0 0 0 rg BT 258.58 460.85 Td (Securities ) Tj ET Q q 0 0 0 rg BT 300.52 460.85 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 341.89 460.85 Td (Act ) Tj ET Q q 0 0 0 rg BT 358.83 460.85 Td (of ) Tj ET Q q 0 0 0 rg BT 369.66 460.85 Td (1934, ) Tj ET Q q 0 0 0 rg BT 394.66 460.85 Td (as ) Tj ET Q q 0 0 0 rg BT 405.49 460.85 Td (amended.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 439.85 Td (ITEM12. 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.85 Td (The ) Tj ET Q q 0 0 0 rg BT 68.89 373.85 Td (following ) Tj ET Q q 0 0 0 rg BT 111.12 373.85 Td (table ) Tj ET Q q 0 0 0 rg BT 133.90 373.85 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 185.01 373.85 Td (information ) Tj ET Q q 0 0 0 rg BT 235.57 373.85 Td (as ) Tj ET Q q 0 0 0 rg BT 247.24 373.85 Td (of ) Tj ET Q q 0 0 0 rg BT 258.92 373.85 Td (December31, ) Tj ET Q q 0 0 0 rg BT 318.34 373.85 Td (2015, ) Tj ET Q q 0 0 0 rg BT 344.19 373.85 Td (relating ) Tj ET Q q 0 0 0 rg BT 378.08 373.85 Td (to ) Tj ET Q q 0 0 0 rg BT 389.20 373.85 Td (the ) Tj ET Q q 0 0 0 rg BT 404.76 373.85 Td (Company) Tj ET Q q 0 0 0 rg BT 446.43 373.85 Td (s ) Tj ET Q q 0 0 0 rg BT 453.66 373.85 Td (equity ) Tj ET Q q 0 0 0 rg BT 482.00 373.85 Td (compensation ) Tj ET Q q 0 0 0 rg BT 540.89 373.85 Td (plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.85 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 86.94 361.85 Td (to ) Tj ET Q q 0 0 0 rg BT 97.22 361.85 Td 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Td (exercise price of) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.05 290.60 Td (outstandingoptions,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.80 282.60 Td (warrants and rights) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 420.80 274.60 Td (\(b\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.45 330.30 Td (Numberofsecurities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 322.30 Td (remaining available) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 486.20 314.30 Td (for future issuance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.85 306.30 Td (under equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.30 298.30 Td (compensation plans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.75 290.30 Td (\(excludingsecurities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.10 282.30 Td (reflectedincolumn\(a\)\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.55 274.30 Td (\(c\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 262.43 Td (Equity compensation plans approved by security holders) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 251.30 Td (WTFC 1997 Stock Incentive Plan, as amended) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 251.30 Td (170,809) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.00 251.30 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 251.30 Td (25.51) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 251.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 240.30 Td (WTFC 2007 Stock Incentive Plan) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 240.30 Td (1,979,858) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.00 240.30 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 240.30 Td (29.77) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 240.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 229.30 Td (WTFC 2015 Stock Incentive Plan) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 229.30 Td (25,231) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.00 229.30 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 229.30 Td (19.18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 229.30 Td (5,594,550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 218.30 Td (WTFC Employee Stock Purchase Plan) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 218.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.30 218.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 218.30 Td (150,035) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 207.30 Td (WTFC Directors Deferred Fee and Stock Plan) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 207.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.30 207.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 207.30 Td (427,842) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 196.30 Td (2,175,898) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.00 196.30 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 196.30 Td (29.31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 196.30 Td (6,172,427) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 185.43 Td (Equity compensation plans not appr) Tj ET Q q 0 0 0 rg BT 176.89 185.43 Td (oved by security holders ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 261.77 189.06 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 174.30 Td (N/A) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.30 174.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 455.30 174.30 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 174.30 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 163.43 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 163.30 Td (2,175,898) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.00 163.30 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.30 163.30 Td (29.31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 163.30 Td (6,172,427) Tj ET Q BT /F1 10.00 Tf ET BT /F4 9.00 Tf ET q 0 0 0 rg BT 68.00 150.05 Td (\(1\) ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 86.00 150.05 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 120.14 150.05 Td (16,364 ) Tj ET Q q 0 0 0 rg BT 146.54 150.05 Td (shar) Tj ET Q q 0 0 0 rg BT 162.21 150.05 Td (es ) Tj ET Q q 0 0 0 rg BT 171.36 150.05 Td (of ) Tj ET Q q 0 0 0 rg BT 180.02 150.05 Td (the ) Tj ET Q q 0 0 0 rg BT 192.66 150.05 Td (Company's ) Tj ET Q q 0 0 0 rg BT 234.24 150.05 Td (common ) Tj ET Q q 0 0 0 rg BT 266.39 150.05 Td (stock ) Tj ET Q q 0 0 0 rg BT 286.53 150.05 Td (issuable ) Tj ET Q q 0 0 0 rg BT 317.69 150.05 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 351.35 150.05 Td (to ) Tj ET Q q 0 0 0 rg BT 360.00 150.05 Td (the ) Tj ET Q q 0 0 0 rg BT 372.65 150.05 Td (exer) Tj ET Q q 0 0 0 rg BT 387.80 150.05 Td (cise ) Tj ET Q q 0 0 0 rg BT 403.45 150.05 Td (of ) Tj ET Q q 0 0 0 rg BT 412.10 150.05 Td (options ) Tj ET Q q 0 0 0 rg BT 440.26 150.05 Td (granted ) Tj ET Q q 0 0 0 rg BT 469.91 150.05 Td (under ) Tj ET Q q 0 0 0 rg BT 492.56 150.05 Td (the ) Tj ET Q q 0 0 0 rg BT 505.21 150.05 Td (plan ) Tj ET Q q 0 0 0 rg BT 522.86 150.05 Td (of ) Tj ET Q q 0 0 0 rg BT 531.52 150.05 Td (Delavan ) Tj ET Q BT /F4 9.00 Tf ET q 0 0 0 rg BT 86.00 139.25 Td (Bancshar) Tj ET Q q 0 0 0 rg BT 120.16 139.25 Td (es, ) Tj ET Q q 0 0 0 rg BT 131.88 139.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 147.59 139.25 Td ( ) Tj ET Q q 0 0 0 rg BT 149.56 139.25 Td (The ) Tj ET Q q 0 0 0 rg BT 165.03 139.25 Td (weighted ) Tj ET Q q 0 0 0 rg BT 199.49 139.25 Td (average ) Tj ET Q q 0 0 0 rg BT 230.44 139.25 Td (exer) Tj ET Q q 0 0 0 rg BT 245.60 139.25 Td (cise ) Tj ET Q q 0 0 0 rg BT 261.56 139.25 Td (price ) Tj ET Q q 0 0 0 rg BT 282.02 139.25 Td (of ) Tj ET Q q 0 0 0 rg BT 290.99 139.25 Td (these ) Tj ET Q q 0 0 0 rg BT 311.45 139.25 Td (options ) Tj ET Q q 0 0 0 rg BT 339.92 139.25 Td (is ) Tj ET Q q 0 0 0 rg BT 347.89 139.25 Td ($21.18. ) Tj ET Q q 0 0 0 rg BT 376.86 139.25 Td ( ) Tj ET Q q 0 0 0 rg BT 378.83 139.25 Td (No ) Tj ET Q q 0 0 0 rg BT 391.30 139.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 430.27 139.25 Td (awar) Tj ET Q q 0 0 0 rg BT 448.44 139.25 Td (ds ) Tj ET Q q 0 0 0 rg BT 458.41 139.25 Td (will ) Tj ET Q q 0 0 0 rg BT 473.89 139.25 Td (be ) Tj ET Q q 0 0 0 rg BT 484.35 139.25 Td (made ) Tj ET Q q 0 0 0 rg BT 505.81 139.25 Td (under ) Tj ET Q q 0 0 0 rg BT 528.78 139.25 Td (this ) Tj ET Q q 0 0 0 rg BT 543.75 139.25 Td (plan.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 113.25 Td (ITEM13. CER) Tj ET Q q 0 0 0 rg BT 114.93 113.25 Td (T) Tj ET Q q 0 0 0 rg BT 120.86 113.25 Td (AIN RELA) Tj ET Q q 0 0 0 rg BT 168.74 113.25 Td (TIONSHIPS ) Tj ET Q q 0 0 0 rg BT 225.15 113.25 Td (AND RELA) Tj ET Q q 0 0 0 rg BT 276.35 113.25 Td (TED ) Tj ET Q q 0 0 0 rg BT 299.23 113.25 Td (TRANSACTIONS ) Tj ET Q q 0 0 0 rg BT 380.64 113.25 Td (AND DIRECT) Tj ET Q q 0 0 0 rg BT 443.53 113.25 Td (OR INDEPENDENCE) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 92.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.68 92.25 Td (information ) Tj ET Q q 0 0 0 rg BT 117.02 92.25 Td (required ) Tj ET Q q 0 0 0 rg BT 152.47 92.25 Td (in ) Tj ET Q q 0 0 0 rg BT 162.37 92.25 Td (response ) Tj ET Q q 0 0 0 rg BT 199.49 92.25 Td (to ) Tj ET Q q 0 0 0 rg BT 209.40 92.25 Td (this ) Tj ET Q q 0 0 0 rg BT 225.98 92.25 Td (item ) Tj ET Q q 0 0 0 rg BT 245.89 92.25 Td (will ) Tj ET Q q 0 0 0 rg BT 263.57 92.25 Td (be ) Tj ET Q q 0 0 0 rg BT 275.14 92.25 Td (contained ) Tj ET Q q 0 0 0 rg BT 316.14 92.25 Td (in ) Tj ET Q q 0 0 0 rg BT 326.05 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.40 92.25 Td (Company) Tj ET Q q 0 0 0 rg BT 382.06 92.25 Td (s ) Tj ET Q q 0 0 0 rg BT 388.09 92.25 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 414.11 92.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 456.23 92.25 Td (under ) Tj ET Q q 0 0 0 rg BT 481.13 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.48 92.25 Td (caption ) Tj ET Q q 0 0 0 rg BT 527.04 92.25 Td (Related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 80.25 Td (Party ) Tj ET Q q 0 0 0 rg BT 73.43 80.25 Td (T) Tj ET Q q 0 0 0 rg BT 79.18 80.25 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 131.11 80.25 Td (and ) Tj ET Q q 0 0 0 rg BT 148.05 80.25 Td (is ) Tj ET Q q 0 0 0 rg BT 157.22 80.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 210.25 80.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 237.73 80.25 Td (by ) Tj ET Q q 0 0 0 rg BT 250.23 80.25 Td (reference.) Tj ET Q endstream endobj 349 0 obj <> endobj 350 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (174) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (ITEM14. PRINCIP) Tj ET Q q 0 0 0 rg BT 135.09 742.25 Td (AL) Tj ET Q q 0 0 0 rg BT 148.43 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 150.38 742.25 Td (ACCOUNT) Tj ET Q q 0 0 0 rg BT 200.20 742.25 Td (ANT) Tj ET Q q 0 0 0 rg BT 221.13 742.25 Td ( FEES ) Tj ET Q q 0 0 0 rg BT 250.59 742.25 Td (AND SER) Tj ET Q q 0 0 0 rg BT 293.85 742.25 Td (VICES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 721.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.08 721.25 Td (information ) Tj ET Q q 0 0 0 rg BT 117.83 721.25 Td (required ) Tj ET Q q 0 0 0 rg BT 153.69 721.25 Td (in ) Tj ET Q q 0 0 0 rg BT 164.00 721.25 Td (response ) Tj ET Q q 0 0 0 rg BT 201.53 721.25 Td (to ) Tj ET Q q 0 0 0 rg BT 211.85 721.25 Td (this ) Tj ET Q q 0 0 0 rg BT 228.84 721.25 Td (item ) Tj ET Q q 0 0 0 rg BT 249.15 721.25 Td (will ) Tj ET Q q 0 0 0 rg BT 267.24 721.25 Td (be ) Tj ET Q q 0 0 0 rg BT 279.22 721.25 Td (contained ) Tj ET Q q 0 0 0 rg BT 320.63 721.25 Td (in ) Tj ET Q q 0 0 0 rg BT 330.95 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.70 721.25 Td (Company) Tj ET Q q 0 0 0 rg BT 387.37 721.25 Td (s ) Tj ET Q q 0 0 0 rg BT 393.79 721.25 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 420.22 721.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 462.75 721.25 Td (under ) Tj ET Q q 0 0 0 rg BT 488.06 721.25 Td (the ) Tj ET Q q 0 0 0 rg BT 502.81 721.25 Td (caption ) Tj ET Q q 0 0 0 rg BT 534.79 721.25 Td (Audit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 709.25 Td (Non-Audit ) Tj ET Q q 0 0 0 rg BT 112.77 709.25 Td (Fees ) Tj ET Q q 0 0 0 rg BT 133.60 709.25 Td (Paid ) Tj ET Q q 0 0 0 rg BT 158.32 709.25 Td (and ) Tj ET Q q 0 0 0 rg BT 175.25 709.25 Td (is ) Tj ET Q q 0 0 0 rg BT 184.42 709.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 237.46 709.25 Td (herein ) Tj ET Q q 0 0 0 rg BT 264.94 709.25 Td (by ) Tj ET Q q 0 0 0 rg BT 277.44 709.25 Td (reference.) Tj ET Q endstream endobj 351 0 obj <> endobj 352 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (175) Tj ET Q BT /F1 10.00 Tf ET BT /F2 12.00 Tf ET q 0 0 0 rg BT 50.00 740.90 Td (P) Tj ET Q q 0 0 0 rg BT 56.44 740.90 Td (AR) Tj ET Q q 0 0 0 rg BT 73.35 740.90 Td (T) Tj ET Q q 0 0 0 rg BT 81.14 740.90 Td ( IV) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 719.90 Td (ITEM15. EXHIBITS ) Tj ET Q q 0 0 0 rg BT 144.47 719.90 Td (AND FINANCIAL) Tj ET Q q 0 0 0 rg BT 224.76 719.90 Td ( ST) Tj ET Q q 0 0 0 rg BT 238.75 719.90 Td (A) Tj ET Q q 0 0 0 rg BT 245.22 719.90 Td (TEMENT) Tj ET Q q 0 0 0 rg BT 288.38 719.90 Td ( SCHEDULES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 698.90 Td (\(a\) ) Tj ET Q q 0 0 0 rg BT 63.60 698.90 Td (Documents ) Tj ET Q q 0 0 0 rg BT 111.65 698.90 Td (filed ) Tj ET Q q 0 0 0 rg BT 132.47 698.90 Td (as ) Tj ET Q q 0 0 0 rg BT 143.30 698.90 Td (part ) Tj ET Q q 0 0 0 rg BT 161.35 698.90 Td (of ) Tj ET Q q 0 0 0 rg BT 172.18 698.90 Td (this ) Tj ET Q q 0 0 0 rg BT 188.57 698.90 Td (Annual ) Tj ET Q q 0 0 0 rg BT 220.51 698.90 Td (Report ) Tj ET Q q 0 0 0 rg BT 250.23 698.90 Td (on ) Tj ET Q q 0 0 0 rg BT 262.73 698.90 Td (Form ) Tj ET Q q 0 0 0 rg BT 286.90 698.90 Td (10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 678.97 Td (1) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 97 677.6333984375 m 180.59375 677.6333984375 l s q 0 0 0 rg BT 97.00 678.97 Td (Financial ) Tj ET Q q 0 0 0 rg BT 136.71 678.97 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.50 663.90 Td (The following financial statements of ) Tj ET Q q 0 0 0 rg BT 251.78 663.90 Td (W) Tj ET Q q 0 0 0 rg BT 260.81 663.90 Td (intrust Financial Corporation, incorporated herein by reference to Item8, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.50 651.90 Td (Financial Statements and Supplementary Data:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 639.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 639.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 181.77 639.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 228.16 639.90 Td (of ) Tj ET Q q 0 0 0 rg BT 238.99 639.90 Td (Condition ) Tj ET Q q 0 0 0 rg BT 281.49 639.90 Td (as ) Tj ET Q q 0 0 0 rg BT 292.32 639.90 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.15 639.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 361.73 639.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.73 639.90 Td ( ) Tj ET Q q 0 0 0 rg BT 384.23 639.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.17 639.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.17 639.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 627.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 627.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 181.77 627.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 228.16 627.90 Td (of ) Tj ET Q q 0 0 0 rg BT 238.99 627.90 Td (Income ) Tj ET Q q 0 0 0 rg BT 271.47 627.90 Td (for ) Tj ET Q q 0 0 0 rg BT 285.63 627.90 Td (the ) Tj ET Q q 0 0 0 rg BT 299.98 627.90 Td (Y) Tj ET Q q 0 0 0 rg BT 306.20 627.90 Td (ears ) Tj ET Q q 0 0 0 rg BT 324.80 627.90 Td (Ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.84 627.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 411.43 627.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.43 627.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.43 627.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.43 627.90 Td ( ) Tj ET Q q 0 0 0 rg BT 458.93 627.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.87 627.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.87 627.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 615.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 615.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 181.77 615.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 228.16 615.90 Td (of ) Tj ET Q q 0 0 0 rg BT 238.99 615.90 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 304.25 615.90 Td (Income ) Tj ET Q q 0 0 0 rg BT 336.73 615.90 Td (for ) Tj ET Q q 0 0 0 rg BT 350.89 615.90 Td (the ) Tj ET Q q 0 0 0 rg BT 365.24 615.90 Td (Y) Tj ET Q q 0 0 0 rg BT 371.46 615.90 Td (ears ) Tj ET Q q 0 0 0 rg BT 390.06 615.90 Td (Ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.11 615.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 476.69 615.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.69 615.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.69 615.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.69 615.90 Td ( ) Tj ET Q q 0 0 0 rg BT 524.19 615.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.13 615.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 561.13 615.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 603.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 603.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 182.12 603.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 228.84 603.90 Td (of ) Tj ET Q q 0 0 0 rg BT 240.01 603.90 Td (Changes ) Tj ET Q q 0 0 0 rg BT 277.29 603.90 Td (in ) Tj ET Q q 0 0 0 rg BT 287.91 603.90 Td (Shareholders) Tj ET Q q 0 0 0 rg BT 342.71 603.90 Td ( ) Tj ET Q q 0 0 0 rg BT 345.55 603.90 Td (Equity ) Tj ET Q q 0 0 0 rg BT 375.05 603.90 Td (for ) Tj ET Q q 0 0 0 rg BT 389.56 603.90 Td (the ) Tj ET Q q 0 0 0 rg BT 404.19 603.90 Td (Y) Tj ET Q q 0 0 0 rg BT 410.41 603.90 Td (ears ) Tj ET Q q 0 0 0 rg BT 429.35 603.90 Td (Ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.74 603.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 516.67 603.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.67 603.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.01 603.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 591.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.44 591.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.44 591.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 579.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 579.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 181.77 579.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 228.16 579.90 Td (of ) Tj ET Q q 0 0 0 rg BT 238.99 579.90 Td (Cash ) Tj ET Q q 0 0 0 rg BT 261.49 579.90 Td (Flows ) Tj ET Q q 0 0 0 rg BT 288.44 579.90 Td (for ) Tj ET Q q 0 0 0 rg BT 302.60 579.90 Td (the ) Tj ET Q q 0 0 0 rg BT 316.94 579.90 Td (Y) Tj ET Q q 0 0 0 rg BT 323.17 579.90 Td (ears ) Tj ET Q q 0 0 0 rg BT 341.76 579.90 Td (Ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.81 579.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 428.39 579.90 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.39 579.90 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.39 579.90 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.39 579.90 Td ( ) Tj ET Q q 0 0 0 rg BT 475.89 579.90 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.83 579.90 Td (2013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.83 579.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 567.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 567.90 Td (Notes ) Tj ET Q q 0 0 0 rg BT 152.33 567.90 Td (to ) Tj ET Q q 0 0 0 rg BT 162.61 567.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 217.88 567.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 257.59 567.90 Td (Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.50 555.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.50 555.90 Td (Report ) Tj ET Q q 0 0 0 rg BT 156.22 555.90 Td (of ) Tj ET Q q 0 0 0 rg BT 167.05 555.90 Td (Independent ) Tj ET Q q 0 0 0 rg BT 218.97 555.90 Td (Registered ) Tj ET Q q 0 0 0 rg BT 264.23 555.90 Td (Public ) Tj ET Q q 0 0 0 rg BT 291.74 555.90 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 340.89 555.90 Td (Firm) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 530.97 Td (2) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 96 529.6333984375 m 218.7490234375 529.6333984375 l s q 0 0 0 rg BT 96.00 530.97 Td (Financial ) Tj ET Q q 0 0 0 rg BT 135.71 530.97 Td (Statement ) Tj ET Q q 0 0 0 rg BT 178.20 530.97 Td (Schedules) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.50 510.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 139.45 510.90 Td (statement ) Tj ET Q q 0 0 0 rg BT 180.51 510.90 Td (schedules ) Tj ET Q q 0 0 0 rg BT 222.12 510.90 Td (have ) Tj ET Q q 0 0 0 rg BT 243.73 510.90 Td (been ) Tj ET Q q 0 0 0 rg BT 265.35 510.90 Td (omitted ) Tj ET Q q 0 0 0 rg BT 298.64 510.90 Td (as ) Tj ET Q q 0 0 0 rg BT 309.70 510.90 Td (they ) Tj ET Q q 0 0 0 rg BT 329.66 510.90 Td (are ) Tj ET Q q 0 0 0 rg BT 344.60 510.90 Td (not ) Tj ET Q q 0 0 0 rg BT 360.12 510.90 Td (applicable ) Tj ET Q q 0 0 0 rg BT 403.94 510.90 Td (or ) Tj ET Q q 0 0 0 rg BT 415.01 510.90 Td (the ) Tj ET Q q 0 0 0 rg BT 429.96 510.90 Td (required ) Tj ET Q q 0 0 0 rg BT 466.01 510.90 Td (information ) Tj ET Q q 0 0 0 rg BT 515.96 510.90 Td (is ) Tj ET Q q 0 0 0 rg BT 525.37 510.90 Td (shown ) Tj ET Q q 0 0 0 rg BT 554.22 510.90 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.50 498.90 Td (the ) Tj ET Q q 0 0 0 rg BT 114.22 498.90 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 169.49 498.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 209.20 498.90 Td (Statements ) Tj ET Q q 0 0 0 rg BT 255.58 498.90 Td (or ) Tj ET Q q 0 0 0 rg BT 266.41 498.90 Td (notes ) Tj ET Q q 0 0 0 rg BT 290.02 498.90 Td (thereto.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 478.97 Td (3) Tj ET Q BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 96 477.6333984375 m 129.3349609375 477.6333984375 l s q 0 0 0 rg BT 96.00 478.97 Td (Exhibits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.33 478.97 Td ( ) Tj ET Q q 0 0 0 rg BT 131.83 478.97 Td (\(Exhibits ) Tj ET Q q 0 0 0 rg BT 171.00 478.97 Td (marked ) Tj ET Q q 0 0 0 rg BT 203.49 478.97 Td (with ) Tj ET Q q 0 0 0 rg BT 223.76 478.97 Td (a ) Tj ET Q q 0 0 0 rg BT 230.70 478.97 Td (* ) Tj ET Q q 0 0 0 rg BT 247.08 478.97 Td (denote ) Tj ET Q q 0 0 0 rg BT 276.23 478.97 Td (management ) Tj ET Q q 0 0 0 rg BT 329.82 478.97 Td (contracts ) Tj ET Q q 0 0 0 rg BT 368.42 478.97 Td (or ) Tj ET Q q 0 0 0 rg BT 379.25 478.97 Td (compensatory ) Tj ET Q q 0 0 0 rg BT 437.84 478.97 Td (plans ) Tj ET Q q 0 0 0 rg BT 461.45 478.97 Td (or ) Tj ET Q q 0 0 0 rg BT 472.28 478.97 Td (arrangements\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 457.97 Td (3.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 457.97 Td (Amended ) Tj ET Q q 0 0 0 rg BT 137.24 457.97 Td (and ) Tj ET Q q 0 0 0 rg BT 154.04 457.97 Td (Restated ) Tj ET Q q 0 0 0 rg BT 190.58 457.97 Td (Articles ) Tj ET Q q 0 0 0 rg BT 224.32 457.97 Td (of ) Tj ET Q q 0 0 0 rg BT 235.01 457.97 Td (Incorporation ) Tj ET Q q 0 0 0 rg BT 291.80 457.97 Td (of ) Tj ET Q q 0 0 0 rg BT 302.49 457.97 Td (the ) Tj ET Q q 0 0 0 rg BT 317.06 457.97 Td (Company) Tj ET Q q 0 0 0 rg BT 355.63 457.97 Td (, ) Tj ET Q q 0 0 0 rg BT 360.16 457.97 Td (as ) Tj ET Q q 0 0 0 rg BT 370.85 457.97 Td (amended ) Tj ET Q q 0 0 0 rg BT 409.30 457.97 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 465.53 457.97 Td (by ) Tj ET Q q 0 0 0 rg BT 477.89 457.97 Td (reference ) Tj ET Q q 0 0 0 rg BT 517.43 457.97 Td (to ) Tj ET Q q 0 0 0 rg BT 527.57 457.97 Td (Exhibit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 447.97 Td (3.1 ) Tj ET Q q 0 0 0 rg BT 111.21 447.97 Td (of ) Tj ET Q q 0 0 0 rg BT 122.25 447.97 Td (the ) Tj ET Q q 0 0 0 rg BT 137.17 447.97 Td (Company) Tj ET Q q 0 0 0 rg BT 179.11 447.97 Td (s ) Tj ET Q q 0 0 0 rg BT 185.43 447.97 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 226.46 447.97 Td (Report ) Tj ET Q q 0 0 0 rg BT 256.38 447.97 Td (on ) Tj ET Q q 0 0 0 rg BT 269.09 447.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 293.47 447.97 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 316.73 447.97 Td (for ) Tj ET Q q 0 0 0 rg BT 331.09 447.97 Td (the ) Tj ET Q q 0 0 0 rg BT 346.02 447.97 Td (quarter ) Tj ET Q q 0 0 0 rg BT 377.04 447.97 Td (ended ) Tj ET Q q 0 0 0 rg BT 403.62 447.97 Td (June ) Tj ET Q q 0 0 0 rg BT 424.66 447.97 Td (30, ) Tj ET Q q 0 0 0 rg BT 439.87 447.97 Td (2006, ) Tj ET Q q 0 0 0 rg BT 465.08 447.97 Td (Exhibits ) Tj ET Q q 0 0 0 rg BT 501.12 447.97 Td (3.1 ) Tj ET Q q 0 0 0 rg BT 516.33 447.97 Td (and ) Tj ET Q q 0 0 0 rg BT 533.47 447.97 Td (3.2 ) Tj ET Q q 0 0 0 rg BT 548.68 447.97 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 437.97 Td (the ) Tj ET Q q 0 0 0 rg BT 111.00 437.97 Td (Company) Tj ET Q q 0 0 0 rg BT 152.94 437.97 Td (s ) Tj ET Q q 0 0 0 rg BT 159.33 437.97 Td (Current ) Tj ET Q q 0 0 0 rg BT 192.66 437.97 Td (Report ) Tj ET Q q 0 0 0 rg BT 222.66 437.97 Td (on ) Tj ET Q q 0 0 0 rg BT 235.44 437.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 259.89 437.97 Td (8-K ) Tj ET Q q 0 0 0 rg BT 278.22 437.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 299.33 437.97 Td (with ) Tj ET Q q 0 0 0 rg BT 319.89 437.97 Td (the ) Tj ET Q q 0 0 0 rg BT 334.89 437.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 377.10 437.97 Td (and ) Tj ET Q q 0 0 0 rg BT 394.32 437.97 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 436.52 437.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 489.87 437.97 Td (on ) Tj ET Q q 0 0 0 rg BT 502.65 437.97 Td (July ) Tj ET Q q 0 0 0 rg BT 522.10 437.97 Td (29, ) Tj ET Q q 0 0 0 rg BT 537.38 437.97 Td (201) Tj ET Q q 0 0 0 rg BT 552.20 437.97 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 427.97 Td (and ) Tj ET Q q 0 0 0 rg BT 112.94 427.97 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 144.88 427.97 Td (3.1 ) Tj ET Q q 0 0 0 rg BT 159.88 427.97 Td (of ) Tj ET Q q 0 0 0 rg BT 170.71 427.97 Td (the ) Tj ET Q q 0 0 0 rg BT 185.43 427.97 Td (Company) Tj ET Q q 0 0 0 rg BT 227.37 427.97 Td (s ) Tj ET Q q 0 0 0 rg BT 233.49 427.97 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 274.30 427.97 Td (Report ) Tj ET Q q 0 0 0 rg BT 304.02 427.97 Td (on ) Tj ET Q q 0 0 0 rg BT 316.52 427.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 340.69 427.97 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 363.74 427.97 Td (for ) Tj ET Q q 0 0 0 rg BT 377.90 427.97 Td (the ) Tj ET Q q 0 0 0 rg BT 392.62 427.97 Td (quarter ) Tj ET Q q 0 0 0 rg BT 423.43 427.97 Td (ended ) Tj ET Q q 0 0 0 rg BT 449.81 427.97 Td (June ) Tj ET Q q 0 0 0 rg BT 470.64 427.97 Td (30, ) Tj ET Q q 0 0 0 rg BT 485.64 427.97 Td (2012\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 405.97 Td (3.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 405.97 Td (Amended ) Tj ET Q q 0 0 0 rg BT 137.47 405.97 Td (and ) Tj ET Q q 0 0 0 rg BT 154.49 405.97 Td (Restated ) Tj ET Q q 0 0 0 rg BT 191.52 405.97 Td (Certificate ) Tj ET Q q 0 0 0 rg BT 236.30 405.97 Td (of ) Tj ET Q q 0 0 0 rg BT 247.22 405.97 Td (Designations ) Tj ET Q q 0 0 0 rg BT 302.03 405.97 Td (of ) Tj ET Q q 0 0 0 rg BT 312.95 405.97 Td (the ) Tj ET Q q 0 0 0 rg BT 327.75 405.97 Td (Company ) Tj ET Q q 0 0 0 rg BT 369.23 405.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 390.15 405.97 Td (on ) Tj ET Q q 0 0 0 rg BT 402.73 405.97 Td (December ) Tj ET Q q 0 0 0 rg BT 446.41 405.97 Td (18, ) Tj ET Q q 0 0 0 rg BT 461.50 405.97 Td (2008 ) Tj ET Q q 0 0 0 rg BT 484.09 405.97 Td (with ) Tj ET Q q 0 0 0 rg BT 504.45 405.97 Td (the ) Tj ET Q q 0 0 0 rg BT 519.26 405.97 Td (Secretary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 395.97 Td (of ) Tj ET Q q 0 0 0 rg BT 106.37 395.97 Td (State ) Tj ET Q q 0 0 0 rg BT 128.40 395.97 Td (of ) Tj ET Q q 0 0 0 rg BT 138.77 395.97 Td (the ) Tj ET Q q 0 0 0 rg BT 153.02 395.97 Td (State ) Tj ET Q q 0 0 0 rg BT 175.06 395.97 Td (of ) Tj ET Q q 0 0 0 rg BT 185.42 395.97 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 215.80 395.97 Td (designating ) Tj ET Q q 0 0 0 rg BT 263.94 395.97 Td (the ) Tj ET Q q 0 0 0 rg BT 278.19 395.97 Td (preferences, ) Tj ET Q q 0 0 0 rg BT 328.80 395.97 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 376.12 395.97 Td (voting ) Tj ET Q q 0 0 0 rg BT 403.71 395.97 Td (powers ) Tj ET Q q 0 0 0 rg BT 434.63 395.97 Td (and ) Tj ET Q q 0 0 0 rg BT 451.11 395.97 Td (relative ) Tj ET Q q 0 0 0 rg BT 483.13 395.97 Td (rights ) Tj ET Q q 0 0 0 rg BT 507.94 395.97 Td (of ) Tj ET Q q 0 0 0 rg BT 518.31 395.97 Td (the ) Tj ET Q q 0 0 0 rg BT 532.56 395.97 Td (Series ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 385.97 Td (A) Tj ET Q q 0 0 0 rg BT 102.95 385.97 Td ( ) Tj ET Q q 0 0 0 rg BT 104.69 385.97 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 143.91 385.97 Td (Stock ) Tj ET Q q 0 0 0 rg BT 168.71 385.97 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 224.60 385.97 Td (by ) Tj ET Q q 0 0 0 rg BT 236.62 385.97 Td (reference ) Tj ET Q q 0 0 0 rg BT 275.83 385.97 Td (to ) Tj ET Q q 0 0 0 rg BT 285.63 385.97 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 317.10 385.97 Td (3.2 ) Tj ET Q q 0 0 0 rg BT 331.62 385.97 Td (of ) Tj ET Q q 0 0 0 rg BT 341.97 385.97 Td (the ) Tj ET Q q 0 0 0 rg BT 356.21 385.97 Td (Company) Tj ET Q q 0 0 0 rg BT 398.15 385.97 Td (s ) Tj ET Q q 0 0 0 rg BT 403.79 385.97 Td (Current ) Tj ET Q q 0 0 0 rg BT 436.36 385.97 Td (Report ) Tj ET Q q 0 0 0 rg BT 465.60 385.97 Td (on ) Tj ET Q q 0 0 0 rg BT 477.62 385.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 501.32 385.97 Td (8-K ) Tj ET Q q 0 0 0 rg BT 518.89 385.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 539.24 385.97 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 375.97 Td (the ) Tj ET Q q 0 0 0 rg BT 110.72 375.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 152.65 375.97 Td (and ) Tj ET Q q 0 0 0 rg BT 169.59 375.97 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 211.51 375.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 264.58 375.97 Td (on ) Tj ET Q q 0 0 0 rg BT 277.08 375.97 Td (December ) Tj ET Q q 0 0 0 rg BT 320.66 375.97 Td (24, ) Tj ET Q q 0 0 0 rg BT 335.66 375.97 Td (2008\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 353.97 Td (3.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 353.97 Td (Certificate ) Tj ET Q q 0 0 0 rg BT 140.13 353.97 Td (of ) Tj ET Q q 0 0 0 rg BT 150.39 353.97 Td (Designations ) Tj ET Q q 0 0 0 rg BT 204.54 353.97 Td (of ) Tj ET Q q 0 0 0 rg BT 214.80 353.97 Td (the ) Tj ET Q q 0 0 0 rg BT 228.95 353.97 Td (Company ) Tj ET Q q 0 0 0 rg BT 269.76 353.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 290.02 353.97 Td (on ) Tj ET Q q 0 0 0 rg BT 301.95 353.97 Td (March ) Tj ET Q q 0 0 0 rg BT 329.98 353.97 Td (15, ) Tj ET Q q 0 0 0 rg BT 344.41 353.97 Td (2012 ) Tj ET Q q 0 0 0 rg BT 366.34 353.97 Td (with ) Tj ET Q q 0 0 0 rg BT 386.05 353.97 Td (the ) Tj ET Q q 0 0 0 rg BT 400.20 353.97 Td (Secretary ) Tj ET Q q 0 0 0 rg BT 439.89 353.97 Td (of ) Tj ET Q q 0 0 0 rg BT 450.15 353.97 Td (State ) Tj ET Q q 0 0 0 rg BT 472.07 353.97 Td (of ) Tj ET Q q 0 0 0 rg BT 482.34 353.97 Td (the ) Tj ET Q q 0 0 0 rg BT 496.48 353.97 Td (State ) Tj ET Q q 0 0 0 rg BT 518.41 353.97 Td (of ) Tj ET Q q 0 0 0 rg BT 528.67 353.97 Td (Illinois ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 343.97 Td (designating ) Tj ET Q q 0 0 0 rg BT 143.55 343.97 Td (the ) Tj ET Q q 0 0 0 rg BT 157.21 343.97 Td (preferences, ) Tj ET Q q 0 0 0 rg BT 207.23 343.97 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 253.96 343.97 Td (voting ) Tj ET Q q 0 0 0 rg BT 280.96 343.97 Td (powers ) Tj ET Q q 0 0 0 rg BT 311.29 343.97 Td (and ) Tj ET Q q 0 0 0 rg BT 327.18 343.97 Td (relative ) Tj ET Q q 0 0 0 rg BT 358.60 343.97 Td (rights ) Tj ET Q q 0 0 0 rg BT 382.83 343.97 Td (of ) Tj ET Q q 0 0 0 rg BT 392.61 343.97 Td (the ) Tj ET Q q 0 0 0 rg BT 406.27 343.97 Td (Series ) Tj ET Q q 0 0 0 rg BT 432.16 343.97 Td (C ) Tj ET Q q 0 0 0 rg BT 440.27 343.97 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 478.92 343.97 Td (Stock ) Tj ET Q q 0 0 0 rg BT 503.14 343.97 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 333.97 Td (by ) Tj ET Q q 0 0 0 rg BT 108.91 333.97 Td (reference ) Tj ET Q q 0 0 0 rg BT 149.00 333.97 Td (to ) Tj ET Q q 0 0 0 rg BT 159.69 333.97 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 192.04 333.97 Td (3.1 ) Tj ET Q q 0 0 0 rg BT 207.46 333.97 Td (of ) Tj ET Q q 0 0 0 rg BT 218.70 333.97 Td (the ) Tj ET Q q 0 0 0 rg BT 233.82 333.97 Td (Company's ) Tj ET Q q 0 0 0 rg BT 281.31 333.97 Td (Current ) Tj ET Q q 0 0 0 rg BT 314.77 333.97 Td (Report ) Tj ET Q q 0 0 0 rg BT 344.90 333.97 Td (on ) Tj ET Q q 0 0 0 rg BT 357.81 333.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 382.39 333.97 Td (8-K ) Tj ET Q q 0 0 0 rg BT 400.85 333.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 422.08 333.97 Td (with ) Tj ET Q q 0 0 0 rg BT 442.77 333.97 Td (the ) Tj ET Q q 0 0 0 rg BT 457.90 333.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 500.24 333.97 Td (and ) Tj ET Q q 0 0 0 rg BT 517.59 333.97 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 323.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 149.07 323.97 Td (on ) Tj ET Q q 0 0 0 rg BT 161.57 323.97 Td (March ) Tj ET Q q 0 0 0 rg BT 190.17 323.97 Td (19, ) Tj ET Q q 0 0 0 rg BT 205.17 323.97 Td (2012\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 300.97 Td (3.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 300.97 Td (Certificate ) Tj ET Q q 0 0 0 rg BT 140.52 300.97 Td (of ) Tj ET Q q 0 0 0 rg BT 151.17 300.97 Td (Designations ) Tj ET Q q 0 0 0 rg BT 205.70 300.97 Td (of ) Tj ET Q q 0 0 0 rg BT 216.35 300.97 Td (the ) Tj ET Q q 0 0 0 rg BT 230.89 300.97 Td (Company ) Tj ET Q q 0 0 0 rg BT 272.09 300.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 292.74 300.97 Td (on ) Tj ET Q q 0 0 0 rg BT 305.06 300.97 Td (June ) Tj ET Q q 0 0 0 rg BT 325.71 300.97 Td (24, ) Tj ET Q q 0 0 0 rg BT 340.53 300.97 Td (2015 ) Tj ET Q q 0 0 0 rg BT 362.85 300.97 Td (with ) Tj ET Q q 0 0 0 rg BT 382.94 300.97 Td (the ) Tj ET Q q 0 0 0 rg BT 397.48 300.97 Td (Secretary ) Tj ET Q q 0 0 0 rg BT 437.55 300.97 Td (of ) Tj ET Q q 0 0 0 rg BT 448.20 300.97 Td (State ) Tj ET Q q 0 0 0 rg BT 470.52 300.97 Td (of ) Tj ET Q q 0 0 0 rg BT 481.17 300.97 Td (the ) Tj ET Q q 0 0 0 rg BT 495.70 300.97 Td (State ) Tj ET Q q 0 0 0 rg BT 518.02 300.97 Td (of ) Tj ET Q q 0 0 0 rg BT 528.67 300.97 Td (Illinois ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 290.97 Td (designating ) Tj ET Q q 0 0 0 rg BT 143.51 290.97 Td (the ) Tj ET Q q 0 0 0 rg BT 157.14 290.97 Td (preferences, ) Tj ET Q q 0 0 0 rg BT 207.13 290.97 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 253.81 290.97 Td (voting ) Tj ET Q q 0 0 0 rg BT 280.78 290.97 Td (powers ) Tj ET Q q 0 0 0 rg BT 311.07 290.97 Td (and ) Tj ET Q q 0 0 0 rg BT 326.92 290.97 Td (relative ) Tj ET Q q 0 0 0 rg BT 358.31 290.97 Td (rights ) Tj ET Q q 0 0 0 rg BT 382.50 290.97 Td (of ) Tj ET Q q 0 0 0 rg BT 392.24 290.97 Td (the ) Tj ET Q q 0 0 0 rg BT 405.87 290.97 Td (Series ) Tj ET Q q 0 0 0 rg BT 431.72 290.97 Td (D ) Tj ET Q q 0 0 0 rg BT 440.35 290.97 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 478.96 290.97 Td (Stock ) Tj ET Q q 0 0 0 rg BT 503.14 290.97 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 280.97 Td (by ) Tj ET Q q 0 0 0 rg BT 108.91 280.97 Td (reference ) Tj ET Q q 0 0 0 rg BT 149.00 280.97 Td (to ) Tj ET Q q 0 0 0 rg BT 159.69 280.97 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 192.04 280.97 Td (3.1 ) Tj ET Q q 0 0 0 rg BT 207.46 280.97 Td (of ) Tj ET Q q 0 0 0 rg BT 218.70 280.97 Td (the ) Tj ET Q q 0 0 0 rg BT 233.82 280.97 Td (Company's ) Tj ET Q q 0 0 0 rg BT 281.31 280.97 Td (Current ) Tj ET Q q 0 0 0 rg BT 314.77 280.97 Td (Report ) Tj ET Q q 0 0 0 rg BT 344.90 280.97 Td (on ) Tj ET Q q 0 0 0 rg BT 357.81 280.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 382.39 280.97 Td (8-K ) Tj ET Q q 0 0 0 rg BT 400.85 280.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 422.08 280.97 Td (with ) Tj ET Q q 0 0 0 rg BT 442.77 280.97 Td (the ) Tj ET Q q 0 0 0 rg BT 457.90 280.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 500.24 280.97 Td (and ) Tj ET Q q 0 0 0 rg BT 517.59 280.97 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 270.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 149.07 270.97 Td (on ) Tj ET Q q 0 0 0 rg BT 161.57 270.97 Td (June ) Tj ET Q q 0 0 0 rg BT 182.40 270.97 Td (25, ) Tj ET Q q 0 0 0 rg BT 197.40 270.97 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 247.97 Td (3.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 247.97 Td (Amended ) Tj ET Q q 0 0 0 rg BT 138.81 247.97 Td (and ) Tj ET Q q 0 0 0 rg BT 157.18 247.97 Td (Restated ) Tj ET Q q 0 0 0 rg BT 195.54 247.97 Td (By-laws ) Tj ET Q q 0 0 0 rg BT 232.80 247.97 Td (of ) Tj ET Q q 0 0 0 rg BT 245.06 247.97 Td (the ) Tj ET Q q 0 0 0 rg BT 261.21 247.97 Td (Company) Tj ET Q q 0 0 0 rg BT 299.45 247.97 Td (, ) Tj ET Q q 0 0 0 rg BT 305.88 247.97 Td (as ) Tj ET Q q 0 0 0 rg BT 318.14 247.97 Td (amended ) Tj ET Q q 0 0 0 rg BT 358.17 247.97 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 415.96 247.97 Td (by ) Tj ET Q q 0 0 0 rg BT 429.89 247.97 Td (reference ) Tj ET Q q 0 0 0 rg BT 471.01 247.97 Td (to ) Tj ET Q q 0 0 0 rg BT 482.72 247.97 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 516.09 247.97 Td (3.2 ) Tj ET Q q 0 0 0 rg BT 532.52 247.97 Td (of ) Tj ET Q q 0 0 0 rg BT 544.78 247.97 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 237.97 Td (Company) Tj ET Q q 0 0 0 rg BT 137.67 237.97 Td (s ) Tj ET Q q 0 0 0 rg BT 144.06 237.97 Td (Current ) Tj ET Q q 0 0 0 rg BT 177.10 237.97 Td (Report ) Tj ET Q q 0 0 0 rg BT 206.82 237.97 Td (on ) Tj ET Q q 0 0 0 rg BT 219.32 237.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 243.49 237.97 Td (8-K ) Tj ET Q q 0 0 0 rg BT 261.54 237.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 282.37 237.97 Td (with ) Tj ET Q q 0 0 0 rg BT 302.65 237.97 Td (the ) Tj ET Q q 0 0 0 rg BT 317.36 237.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 359.30 237.97 Td (and ) Tj ET Q q 0 0 0 rg BT 376.23 237.97 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 418.16 237.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 471.22 237.97 Td (on ) Tj ET Q q 0 0 0 rg BT 483.17 237.97 Td (April ) Tj ET Q q 0 0 0 rg BT 506.78 237.97 Td (8, ) Tj ET Q q 0 0 0 rg BT 516.78 237.97 Td (2015\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 212.97 Td (4.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 212.97 Td (Certain ) Tj ET Q q 0 0 0 rg BT 127.27 212.97 Td (instruments ) Tj ET Q q 0 0 0 rg BT 175.77 212.97 Td (defining ) Tj ET Q q 0 0 0 rg BT 210.93 212.97 Td (the ) Tj ET Q q 0 0 0 rg BT 224.98 212.97 Td (rights ) Tj ET Q q 0 0 0 rg BT 249.60 212.97 Td (of ) Tj ET Q q 0 0 0 rg BT 259.76 212.97 Td (the ) Tj ET Q q 0 0 0 rg BT 273.82 212.97 Td (holders ) Tj ET Q q 0 0 0 rg BT 305.09 212.97 Td (of ) Tj ET Q q 0 0 0 rg BT 315.26 212.97 Td (long-term ) Tj ET Q q 0 0 0 rg BT 356.53 212.97 Td (debt ) Tj ET Q q 0 0 0 rg BT 375.58 212.97 Td (of ) Tj ET Q q 0 0 0 rg BT 385.75 212.97 Td (the ) Tj ET Q q 0 0 0 rg BT 399.80 212.97 Td (Company ) Tj ET Q q 0 0 0 rg BT 440.52 212.97 Td (and ) Tj ET Q q 0 0 0 rg BT 456.80 212.97 Td (certain ) Tj ET Q q 0 0 0 rg BT 485.83 212.97 Td (of ) Tj ET Q q 0 0 0 rg BT 496.00 212.97 Td (its ) Tj ET Q q 0 0 0 rg BT 507.28 212.97 Td (subsidiaries, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 202.97 Td (none ) Tj ET Q q 0 0 0 rg BT 118.00 202.97 Td (of ) Tj ET Q q 0 0 0 rg BT 128.90 202.97 Td (which ) Tj ET Q q 0 0 0 rg BT 155.90 202.97 Td (authorize ) Tj ET Q q 0 0 0 rg BT 195.67 202.97 Td (a ) Tj ET Q q 0 0 0 rg BT 202.68 202.97 Td (total ) Tj ET Q q 0 0 0 rg BT 223.02 202.97 Td (amount ) Tj ET Q q 0 0 0 rg BT 255.58 202.97 Td (of ) Tj ET Q q 0 0 0 rg BT 266.47 202.97 Td (indebtedness ) Tj ET Q q 0 0 0 rg BT 320.69 202.97 Td (in ) Tj ET Q q 0 0 0 rg BT 331.04 202.97 Td (excess ) Tj ET Q q 0 0 0 rg BT 359.70 202.97 Td (of ) Tj ET Q q 0 0 0 rg BT 370.60 202.97 Td (10% ) Tj ET Q q 0 0 0 rg BT 391.50 202.97 Td (of ) Tj ET Q q 0 0 0 rg BT 402.39 202.97 Td (the ) Tj ET Q q 0 0 0 rg BT 417.17 202.97 Td (total ) Tj ET Q q 0 0 0 rg BT 437.51 202.97 Td (assets ) Tj ET Q q 0 0 0 rg BT 463.41 202.97 Td (of ) Tj ET Q q 0 0 0 rg BT 474.31 202.97 Td (the ) Tj ET Q q 0 0 0 rg BT 489.09 202.97 Td (Company ) Tj ET Q q 0 0 0 rg BT 530.54 202.97 Td (and ) Tj ET Q q 0 0 0 rg BT 547.55 202.97 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 192.97 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 145.79 192.97 Td (on ) Tj ET Q q 0 0 0 rg BT 158.36 192.97 Td (a ) Tj ET Q q 0 0 0 rg BT 165.38 192.97 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 218.49 192.97 Td (basis, ) Tj ET Q q 0 0 0 rg BT 243.56 192.97 Td (have ) Tj ET Q q 0 0 0 rg BT 265.01 192.97 Td (not ) Tj ET Q q 0 0 0 rg BT 280.37 192.97 Td (been ) Tj ET Q q 0 0 0 rg BT 301.82 192.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 322.71 192.97 Td (as ) Tj ET Q q 0 0 0 rg BT 333.62 192.97 Td (Exhibits. ) Tj ET Q q 0 0 0 rg BT 371.93 192.97 Td (The ) Tj ET Q q 0 0 0 rg BT 389.96 192.97 Td (Company ) Tj ET Q q 0 0 0 rg BT 431.42 192.97 Td (hereby ) Tj ET Q q 0 0 0 rg BT 461.20 192.97 Td (agrees ) Tj ET Q q 0 0 0 rg BT 489.31 192.97 Td (to ) Tj ET Q q 0 0 0 rg BT 499.66 192.97 Td (furnish ) Tj ET Q q 0 0 0 rg BT 530.56 192.97 Td (a ) Tj ET Q q 0 0 0 rg BT 537.58 192.97 Td (copy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 182.97 Td (of ) Tj ET Q q 0 0 0 rg BT 106.83 182.97 Td (any ) Tj ET Q q 0 0 0 rg BT 123.77 182.97 Td (of ) Tj ET Q q 0 0 0 rg BT 134.60 182.97 Td (these ) Tj ET Q q 0 0 0 rg BT 157.65 182.97 Td (agreements ) Tj ET Q q 0 0 0 rg BT 205.68 182.97 Td (to ) Tj ET Q q 0 0 0 rg BT 215.96 182.97 Td (the ) Tj ET Q q 0 0 0 rg BT 230.67 182.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 272.61 182.97 Td (and ) Tj ET Q q 0 0 0 rg BT 289.54 182.97 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 331.47 182.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 384.54 182.97 Td (upon ) Tj ET Q q 0 0 0 rg BT 407.04 182.97 Td (request.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 159.97 Td (4.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 159.97 Td (W) Tj ET Q q 0 0 0 rg BT 105.04 159.97 Td (arrant ) Tj ET Q q 0 0 0 rg BT 130.58 159.97 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 180.25 159.97 Td (dated ) Tj ET Q q 0 0 0 rg BT 204.92 159.97 Td (as ) Tj ET Q q 0 0 0 rg BT 216.27 159.97 Td (of ) Tj ET Q q 0 0 0 rg BT 227.62 159.97 Td (February ) Tj ET Q q 0 0 0 rg BT 266.74 159.97 Td (8, ) Tj ET Q q 0 0 0 rg BT 277.26 159.97 Td (201) Tj ET Q q 0 0 0 rg BT 292.07 159.97 Td (1, ) Tj ET Q q 0 0 0 rg BT 302.41 159.97 Td (between ) Tj ET Q q 0 0 0 rg BT 338.74 159.97 Td (the ) Tj ET Q q 0 0 0 rg BT 353.98 159.97 Td (Company ) Tj ET Q q 0 0 0 rg BT 395.88 159.97 Td (and ) Tj ET Q q 0 0 0 rg BT 413.21 159.97 Td (W) Tj ET Q q 0 0 0 rg BT 422.16 159.97 Td (ells ) Tj ET Q q 0 0 0 rg BT 438.66 159.97 Td (Far) Tj ET Q q 0 0 0 rg BT 451.90 159.97 Td (go ) Tj ET Q q 0 0 0 rg BT 464.83 159.97 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 491.46 159.97 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 513.92 159.97 Td (as ) Tj ET Q q 0 0 0 rg BT 525.14 159.97 Td (W) Tj ET Q q 0 0 0 rg BT 534.09 159.97 Td (arrant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 149.97 Td (Agent ) Tj ET Q q 0 0 0 rg BT 122.55 149.97 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 178.52 149.97 Td (by ) Tj ET Q q 0 0 0 rg BT 190.63 149.97 Td (reference ) Tj ET Q q 0 0 0 rg BT 229.92 149.97 Td (to ) Tj ET Q q 0 0 0 rg BT 239.80 149.97 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 271.36 149.97 Td (4.1 ) Tj ET Q q 0 0 0 rg BT 285.96 149.97 Td (of ) Tj ET Q q 0 0 0 rg BT 296.40 149.97 Td (the ) Tj ET Q q 0 0 0 rg BT 310.73 149.97 Td (Company) Tj ET Q q 0 0 0 rg BT 352.67 149.97 Td (s ) Tj ET Q q 0 0 0 rg BT 358.39 149.97 Td (Registration ) Tj ET Q q 0 0 0 rg BT 409.38 149.97 Td (Statement ) Tj ET Q q 0 0 0 rg BT 451.48 149.97 Td (on ) Tj ET Q q 0 0 0 rg BT 463.59 149.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 487.37 149.97 Td (8-A) Tj ET Q q 0 0 0 rg BT 502.64 149.97 Td ( ) Tj ET Q q 0 0 0 rg BT 504.48 149.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 524.91 149.97 Td (with ) Tj ET Q q 0 0 0 rg BT 544.80 149.97 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 139.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 137.93 139.97 Td (and ) Tj ET Q q 0 0 0 rg BT 154.87 139.97 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 196.80 139.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 249.86 139.97 Td (on ) Tj ET Q q 0 0 0 rg BT 262.36 139.97 Td (February ) Tj ET Q q 0 0 0 rg BT 300.96 139.97 Td (9, ) Tj ET Q q 0 0 0 rg BT 310.96 139.97 Td (201) Tj ET Q q 0 0 0 rg BT 325.78 139.97 Td (1\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 116.97 Td (4.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 116.97 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.97 116.97 Td (of ) Tj ET Q q 0 0 0 rg BT 130.44 116.97 Td (W) Tj ET Q q 0 0 0 rg BT 139.07 116.97 Td (arrant ) Tj ET Q q 0 0 0 rg BT 164.69 116.97 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 220.85 116.97 Td (herein ) Tj ET Q q 0 0 0 rg BT 248.14 116.97 Td (by ) Tj ET Q q 0 0 0 rg BT 260.44 116.97 Td (reference ) Tj ET Q q 0 0 0 rg BT 299.93 116.97 Td (to ) Tj ET Q q 0 0 0 rg BT 310.01 116.97 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 341.75 116.97 Td (4.1 ) Tj ET Q q 0 0 0 rg BT 356.55 116.97 Td (of ) Tj ET Q q 0 0 0 rg BT 367.18 116.97 Td (the ) Tj ET Q q 0 0 0 rg BT 381.70 116.97 Td (Company) Tj ET Q q 0 0 0 rg BT 423.37 116.97 Td (s ) Tj ET Q q 0 0 0 rg BT 429.56 116.97 Td (Registration ) Tj ET Q q 0 0 0 rg BT 480.74 116.97 Td (Statement ) Tj ET Q q 0 0 0 rg BT 523.03 116.97 Td (on ) Tj ET Q q 0 0 0 rg BT 535.33 116.97 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 106.97 Td (8-A) Tj ET Q q 0 0 0 rg BT 111.00 106.97 Td ( ) Tj ET Q q 0 0 0 rg BT 113.50 106.97 Td (filed ) Tj ET Q q 0 0 0 rg BT 134.33 106.97 Td (with ) Tj ET Q q 0 0 0 rg BT 154.60 106.97 Td (the ) Tj ET Q q 0 0 0 rg BT 169.32 106.97 Td (Securities ) Tj ET Q q 0 0 0 rg BT 211.25 106.97 Td (and ) Tj ET Q q 0 0 0 rg BT 228.19 106.97 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 270.12 106.97 Td (Commission ) Tj ET Q q 0 0 0 rg BT 323.18 106.97 Td (on ) Tj ET Q q 0 0 0 rg BT 335.68 106.97 Td (February ) Tj ET Q q 0 0 0 rg BT 374.28 106.97 Td (9, ) Tj ET Q q 0 0 0 rg BT 384.28 106.97 Td (201) Tj ET Q q 0 0 0 rg BT 398.91 106.97 Td (1\).) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 353 0 obj <> endobj 354 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (176) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 739.07 Td (4.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 739.07 Td (Junior ) Tj ET Q q 0 0 0 rg BT 122.69 739.07 Td (Subordinated ) Tj ET Q q 0 0 0 rg BT 177.70 739.07 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 220.20 739.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 243.54 739.07 Td (December ) Tj ET Q q 0 0 0 rg BT 286.31 739.07 Td (10, ) Tj ET Q q 0 0 0 rg BT 300.50 739.07 Td (2010, ) Tj ET Q q 0 0 0 rg BT 324.68 739.07 Td (between ) Tj ET Q q 0 0 0 rg BT 359.68 739.07 Td (the ) Tj ET Q q 0 0 0 rg BT 373.59 739.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 414.16 739.07 Td (and ) Tj ET Q q 0 0 0 rg BT 430.28 739.07 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 449.75 739.07 Td (Bank ) Tj ET Q q 0 0 0 rg BT 472.55 739.07 Td (National ) Tj ET Q q 0 0 0 rg BT 508.57 739.07 Td (Association, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 729.07 Td (as ) Tj ET Q q 0 0 0 rg BT 107.49 729.07 Td (trustee ) Tj ET Q q 0 0 0 rg BT 137.30 729.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 194.32 729.07 Td (by ) Tj ET Q q 0 0 0 rg BT 207.48 729.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 247.82 729.07 Td (to ) Tj ET Q q 0 0 0 rg BT 258.76 729.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 291.36 729.07 Td (4.1 ) Tj ET Q q 0 0 0 rg BT 307.02 729.07 Td (of ) Tj ET Q q 0 0 0 rg BT 318.51 729.07 Td (the ) Tj ET Q q 0 0 0 rg BT 333.88 729.07 Td (Company) Tj ET Q q 0 0 0 rg BT 375.82 729.07 Td (s ) Tj ET Q q 0 0 0 rg BT 382.60 729.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 416.30 729.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 446.68 729.07 Td (on ) Tj ET Q q 0 0 0 rg BT 459.83 729.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 484.66 729.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 503.37 729.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 524.86 729.07 Td (with ) Tj ET Q q 0 0 0 rg BT 545.79 729.07 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 719.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 137.93 719.07 Td (and ) Tj ET Q q 0 0 0 rg BT 154.87 719.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 196.80 719.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 249.86 719.07 Td (on ) Tj ET Q q 0 0 0 rg BT 262.36 719.07 Td (December ) Tj ET Q q 0 0 0 rg BT 305.95 719.07 Td (10, ) Tj ET Q q 0 0 0 rg BT 320.95 719.07 Td (2010\).) 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Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 652.07 Td (4.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 652.07 Td (First ) Tj ET Q q 0 0 0 rg BT 117.39 652.07 Td (Supplemental ) Tj ET Q q 0 0 0 rg BT 175.44 652.07 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 219.31 652.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 244.02 652.07 Td (June ) Tj ET Q q 0 0 0 rg BT 265.40 652.07 Td (13, ) Tj ET Q q 0 0 0 rg BT 280.96 652.07 Td (2014 ) Tj ET Q q 0 0 0 rg BT 304.01 652.07 Td (between ) Tj ET Q q 0 0 0 rg BT 340.38 652.07 Td (the ) Tj ET Q q 0 0 0 rg BT 355.65 652.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 397.59 652.07 Td (and ) Tj ET Q q 0 0 0 rg BT 415.08 652.07 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 435.92 652.07 Td (Bank ) Tj ET Q q 0 0 0 rg BT 460.08 652.07 Td (National ) Tj ET Q q 0 0 0 rg BT 497.17 652.07 Td (Association, ) Tj ET Q q 0 0 0 rg BT 549.67 652.07 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 642.07 Td (trustee ) Tj ET Q q 0 0 0 rg BT 124.08 642.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 179.38 642.07 Td (by ) Tj ET Q q 0 0 0 rg BT 190.81 642.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 229.42 642.07 Td (to ) Tj ET Q q 0 0 0 rg BT 238.63 642.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 269.50 642.07 Td (4.2 ) Tj ET Q q 0 0 0 rg BT 283.43 642.07 Td (of ) Tj ET Q q 0 0 0 rg BT 293.19 642.07 Td (the ) Tj ET Q q 0 0 0 rg BT 306.84 642.07 Td (Company) Tj ET Q q 0 0 0 rg BT 348.78 642.07 Td (s ) Tj ET Q q 0 0 0 rg BT 353.82 642.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 385.80 642.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 414.45 642.07 Td (on ) Tj ET Q q 0 0 0 rg BT 425.88 642.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 448.97 642.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 465.96 642.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 485.71 642.07 Td (with ) Tj ET Q q 0 0 0 rg BT 504.92 642.07 Td (the ) Tj ET Q q 0 0 0 rg BT 518.57 642.07 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 632.07 Td (and ) Tj ET Q q 0 0 0 rg BT 112.94 632.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 154.86 632.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 207.93 632.07 Td (on ) Tj ET Q q 0 0 0 rg BT 220.43 632.07 Td (June ) Tj ET Q q 0 0 0 rg BT 241.26 632.07 Td (13, ) Tj ET Q q 0 0 0 rg BT 256.26 632.07 Td (2014\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 609.07 Td (4.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 609.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.54 609.07 Td (of ) Tj ET Q q 0 0 0 rg BT 129.74 609.07 Td (5.000% ) Tj ET Q q 0 0 0 rg BT 162.43 609.07 Td (Subordinated ) Tj ET Q q 0 0 0 rg BT 217.63 609.07 Td (Note ) Tj ET Q q 0 0 0 rg BT 238.93 609.07 Td (due ) Tj ET Q q 0 0 0 rg BT 255.24 609.07 Td (2024 ) Tj ET Q q 0 0 0 rg BT 277.11 609.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 332.84 609.07 Td (by ) Tj ET Q q 0 0 0 rg BT 344.70 609.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 383.75 609.07 Td (to ) Tj ET Q q 0 0 0 rg BT 393.40 609.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 424.57 609.07 Td (A) Tj ET Q q 0 0 0 rg BT 431.24 609.07 Td ( ) Tj ET Q q 0 0 0 rg BT 432.84 609.07 Td (in ) Tj ET Q q 0 0 0 rg BT 442.48 609.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 473.79 609.07 Td (4.2 ) Tj ET Q q 0 0 0 rg BT 488.16 609.07 Td (of ) Tj ET Q q 0 0 0 rg BT 498.36 609.07 Td (the ) Tj ET Q q 0 0 0 rg BT 512.44 609.07 Td (Company) Tj ET Q q 0 0 0 rg BT 554.38 609.07 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 599.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 129.05 599.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 158.76 599.07 Td (on ) Tj ET Q q 0 0 0 rg BT 171.26 599.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 195.43 599.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 213.49 599.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 234.31 599.07 Td (with ) Tj ET Q q 0 0 0 rg BT 254.59 599.07 Td (the ) Tj ET Q q 0 0 0 rg BT 269.31 599.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 311.24 599.07 Td (and ) Tj ET Q q 0 0 0 rg BT 328.18 599.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 370.10 599.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 423.17 599.07 Td (on ) Tj ET Q q 0 0 0 rg BT 435.67 599.07 Td (June ) Tj ET Q q 0 0 0 rg BT 456.50 599.07 Td (13, ) Tj ET Q q 0 0 0 rg BT 471.50 599.07 Td (2014\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 576.07 Td (10.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 576.07 Td (Credit ) Tj ET Q q 0 0 0 rg BT 123.01 576.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 171.90 576.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 195.79 576.07 Td (as ) Tj ET Q q 0 0 0 rg BT 206.36 576.07 Td (of ) Tj ET Q q 0 0 0 rg BT 216.93 576.07 Td (December ) Tj ET Q q 0 0 0 rg BT 260.25 576.07 Td (15, ) Tj ET Q q 0 0 0 rg BT 274.99 576.07 Td (2014, ) Tj ET Q q 0 0 0 rg BT 299.73 576.07 Td (among ) Tj ET Q q 0 0 0 rg BT 329.18 576.07 Td (the ) Tj ET Q q 0 0 0 rg BT 343.64 576.07 Td (Company) Tj ET Q q 0 0 0 rg BT 382.20 576.07 Td (, ) Tj ET Q q 0 0 0 rg BT 386.61 576.07 Td (the ) Tj ET Q q 0 0 0 rg BT 401.07 576.07 Td (lenders ) Tj ET Q q 0 0 0 rg BT 432.18 576.07 Td (named ) Tj ET Q q 0 0 0 rg BT 461.07 576.07 Td (therein, ) Tj ET Q q 0 0 0 rg BT 493.57 576.07 Td (and ) Tj ET Q q 0 0 0 rg BT 510.18 576.07 Td (W) Tj ET Q q 0 0 0 rg BT 519.13 576.07 Td (ells ) Tj ET Q q 0 0 0 rg BT 534.85 576.07 Td (Far) Tj ET Q q 0 0 0 rg BT 548.09 576.07 Td (go ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 566.07 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 122.89 566.07 Td (National ) Tj ET Q q 0 0 0 rg BT 160.15 566.07 Td (Association, ) Tj ET Q q 0 0 0 rg BT 212.87 566.07 Td (as ) Tj ET Q q 0 0 0 rg BT 224.48 566.07 Td (administrative ) Tj ET Q q 0 0 0 rg BT 284.97 566.07 Td (agent ) Tj ET Q q 0 0 0 rg BT 309.90 566.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 367.04 566.07 Td (by ) Tj ET Q q 0 0 0 rg BT 380.32 566.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 420.78 566.07 Td (to ) Tj ET Q q 0 0 0 rg BT 431.84 566.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 464.56 566.07 Td (10.1 ) Tj ET Q q 0 0 0 rg BT 485.34 566.07 Td (of ) Tj ET Q q 0 0 0 rg BT 496.95 566.07 Td (the ) Tj ET Q q 0 0 0 rg BT 512.44 566.07 Td (Company) Tj ET Q q 0 0 0 rg BT 554.39 566.07 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 556.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 129.05 556.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 158.76 556.07 Td (on ) Tj ET Q q 0 0 0 rg BT 171.26 556.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 195.43 556.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 213.49 556.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 234.31 556.07 Td (with ) Tj ET Q q 0 0 0 rg BT 254.59 556.07 Td (the ) Tj ET Q q 0 0 0 rg BT 269.31 556.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 311.24 556.07 Td (and ) Tj ET Q q 0 0 0 rg BT 328.18 556.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 370.10 556.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 423.17 556.07 Td (on ) Tj ET Q q 0 0 0 rg BT 435.67 556.07 Td (December ) Tj ET Q q 0 0 0 rg BT 479.25 556.07 Td (19, ) Tj ET Q q 0 0 0 rg BT 494.25 556.07 Td (2014\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 533.07 Td (10.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 533.07 Td (First ) Tj ET Q q 0 0 0 rg BT 116.07 533.07 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 167.09 533.07 Td (to ) Tj ET Q q 0 0 0 rg BT 176.73 533.07 Td (Credit ) Tj ET Q q 0 0 0 rg BT 203.45 533.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 251.96 533.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 275.47 533.07 Td (as ) Tj ET Q q 0 0 0 rg BT 285.67 533.07 Td (of ) Tj ET Q q 0 0 0 rg BT 295.86 533.07 Td (October ) Tj ET Q q 0 0 0 rg BT 329.93 533.07 Td (29, ) Tj ET Q q 0 0 0 rg BT 344.29 533.07 Td (2015, ) Tj ET Q q 0 0 0 rg BT 368.65 533.07 Td (among ) Tj ET Q q 0 0 0 rg BT 397.73 533.07 Td (the ) Tj ET Q q 0 0 0 rg BT 411.81 533.07 Td (Company) Tj ET Q q 0 0 0 rg BT 450.37 533.07 Td (, ) Tj ET Q q 0 0 0 rg BT 454.41 533.07 Td (the ) Tj ET Q q 0 0 0 rg BT 468.49 533.07 Td (lenders ) Tj ET Q q 0 0 0 rg BT 499.22 533.07 Td (named ) Tj ET Q q 0 0 0 rg BT 527.74 533.07 Td (therein, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 523.07 Td (and ) Tj ET Q q 0 0 0 rg BT 112.85 523.07 Td (W) Tj ET Q q 0 0 0 rg BT 121.80 523.07 Td (ells ) Tj ET Q q 0 0 0 rg BT 137.78 523.07 Td (Far) Tj ET Q q 0 0 0 rg BT 151.02 523.07 Td (go ) Tj ET Q q 0 0 0 rg BT 163.43 523.07 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 189.54 523.07 Td (National ) Tj ET Q q 0 0 0 rg BT 226.20 523.07 Td (Association, ) Tj ET Q q 0 0 0 rg BT 278.14 523.07 Td (as ) Tj ET Q q 0 0 0 rg BT 288.97 523.07 Td (administrative ) Tj ET Q q 0 0 0 rg BT 348.68 523.07 Td (agent.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 500.07 Td (10.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 500.07 Td (Second ) Tj ET Q q 0 0 0 rg BT 127.77 500.07 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 179.57 500.07 Td (to ) Tj ET Q q 0 0 0 rg BT 190.00 500.07 Td (Credit ) Tj ET Q q 0 0 0 rg BT 217.33 500.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 266.62 500.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 290.92 500.07 Td (as ) Tj ET Q q 0 0 0 rg BT 301.89 500.07 Td (of ) Tj ET Q q 0 0 0 rg BT 312.86 500.07 Td (December ) Tj ET Q q 0 0 0 rg BT 356.59 500.07 Td (14, ) Tj ET Q q 0 0 0 rg BT 371.73 500.07 Td (2015, ) Tj ET Q q 0 0 0 rg BT 396.88 500.07 Td (among ) Tj ET Q q 0 0 0 rg BT 426.74 500.07 Td (the ) Tj ET Q q 0 0 0 rg BT 441.60 500.07 Td (Company) Tj ET Q q 0 0 0 rg BT 480.16 500.07 Td (, ) Tj ET Q q 0 0 0 rg BT 484.98 500.07 Td (the ) Tj ET Q q 0 0 0 rg BT 499.84 500.07 Td (lenders ) Tj ET Q q 0 0 0 rg BT 531.36 500.07 Td (named ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 490.07 Td (therein, ) Tj ET Q q 0 0 0 rg BT 128.76 490.07 Td (and ) Tj ET Q q 0 0 0 rg BT 145.61 490.07 Td (W) Tj ET Q q 0 0 0 rg BT 154.56 490.07 Td (ells ) Tj ET Q q 0 0 0 rg BT 170.55 490.07 Td (Far) Tj ET Q q 0 0 0 rg BT 183.79 490.07 Td (go ) Tj ET Q q 0 0 0 rg BT 196.20 490.07 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 222.30 490.07 Td (National ) Tj ET Q q 0 0 0 rg BT 258.96 490.07 Td (Association, ) Tj ET Q q 0 0 0 rg BT 310.90 490.07 Td (as ) Tj ET Q q 0 0 0 rg BT 321.73 490.07 Td (administrative ) Tj ET Q q 0 0 0 rg BT 381.44 490.07 Td (agent.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 467.07 Td (10.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 467.07 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 146.58 467.07 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 184.72 467.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 233.63 467.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 257.55 467.07 Td (as ) Tj ET Q q 0 0 0 rg BT 268.15 467.07 Td (of ) Tj ET Q q 0 0 0 rg BT 278.74 467.07 Td (December ) Tj ET Q q 0 0 0 rg BT 322.09 467.07 Td (16, ) Tj ET Q q 0 0 0 rg BT 336.86 467.07 Td (2014, ) Tj ET Q q 0 0 0 rg BT 361.62 467.07 Td (by ) Tj ET Q q 0 0 0 rg BT 373.89 467.07 Td (and ) Tj ET Q q 0 0 0 rg BT 390.59 467.07 Td (among ) Tj ET Q q 0 0 0 rg BT 420.08 467.07 Td (First ) Tj ET Q q 0 0 0 rg BT 440.68 467.07 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 481.81 467.07 Td (Funding ) Tj ET Q q 0 0 0 rg BT 517.42 467.07 Td (of ) Tj ET Q q 0 0 0 rg BT 528.01 467.07 Td (Canada ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 457.07 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 113.01 457.07 Td (and ) Tj ET Q q 0 0 0 rg BT 129.20 457.07 Td (CIBC ) Tj ET Q q 0 0 0 rg BT 154.28 457.07 Td (Mellon ) Tj ET Q q 0 0 0 rg BT 184.88 457.07 Td (T) Tj ET Q q 0 0 0 rg BT 190.72 457.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 207.29 457.07 Td (Company) Tj ET Q q 0 0 0 rg BT 245.85 457.07 Td (, ) Tj ET Q q 0 0 0 rg BT 249.78 457.07 Td (in ) Tj ET Q q 0 0 0 rg BT 259.30 457.07 Td (its ) Tj ET Q q 0 0 0 rg BT 270.49 457.07 Td (capacity ) Tj ET Q q 0 0 0 rg BT 305.55 457.07 Td (as ) Tj ET Q q 0 0 0 rg BT 315.59 457.07 Td (T) Tj ET Q q 0 0 0 rg BT 321.43 457.07 Td (rustee ) Tj ET Q q 0 0 0 rg BT 346.88 457.07 Td (of ) Tj ET Q q 0 0 0 rg BT 356.95 457.07 Td (PLAZA) Tj ET Q q 0 0 0 rg BT 388.90 457.07 Td ( ) Tj ET Q q 0 0 0 rg BT 390.33 457.07 Td (T) Tj ET Q q 0 0 0 rg BT 396.18 457.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 412.75 457.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 468.35 457.07 Td (by ) Tj ET Q q 0 0 0 rg BT 480.10 457.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 519.03 457.07 Td (to ) Tj ET Q q 0 0 0 rg BT 528.55 457.07 Td (Exhibit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 447.07 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 115.27 447.07 Td (of ) Tj ET Q q 0 0 0 rg BT 125.38 447.07 Td (the ) Tj ET Q q 0 0 0 rg BT 139.37 447.07 Td (Company) Tj ET Q q 0 0 0 rg BT 181.31 447.07 Td (s ) Tj ET Q q 0 0 0 rg BT 186.70 447.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 219.02 447.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 248.01 447.07 Td (on ) Tj ET Q q 0 0 0 rg BT 259.78 447.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 283.23 447.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 300.55 447.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 320.65 447.07 Td (with ) Tj ET Q q 0 0 0 rg BT 340.21 447.07 Td (the ) Tj ET Q q 0 0 0 rg BT 354.20 447.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 395.40 447.07 Td (and ) Tj ET Q q 0 0 0 rg BT 411.62 447.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 452.81 447.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 505.15 447.07 Td (on ) Tj ET Q q 0 0 0 rg BT 516.93 447.07 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 437.07 Td (19, ) Tj ET Q q 0 0 0 rg BT 111.00 437.07 Td (2014\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 414.07 Td (10.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 414.07 Td (First Amending Agreement to the Receivables Purchase Agreement, dated December 15, 2015, by and among First) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 404.07 Td (Insurance Funding of Canada Inc. and CIBC Mellon Trust Company, in its capacity as Trustee of PLAZA Trust.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 381.07 Td (10.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 381.07 Td (Performance ) Tj ET Q q 0 0 0 rg BT 149.50 381.07 Td (Guarantee, ) Tj ET Q q 0 0 0 rg BT 195.50 381.07 Td (made ) Tj ET Q q 0 0 0 rg BT 219.57 381.07 Td (as ) Tj ET Q q 0 0 0 rg BT 230.32 381.07 Td (of ) Tj ET Q q 0 0 0 rg BT 241.07 381.07 Td (December ) Tj ET Q q 0 0 0 rg BT 284.57 381.07 Td (16, ) Tj ET Q q 0 0 0 rg BT 299.49 381.07 Td (2014, ) Tj ET Q q 0 0 0 rg BT 324.40 381.07 Td (by ) Tj ET Q q 0 0 0 rg BT 336.82 381.07 Td (the ) Tj ET Q q 0 0 0 rg BT 351.45 381.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 392.76 381.07 Td (in ) Tj ET Q q 0 0 0 rg BT 402.95 381.07 Td (favor ) Tj ET Q q 0 0 0 rg BT 426.47 381.07 Td (of ) Tj ET Q q 0 0 0 rg BT 437.22 381.07 Td (CIBC ) Tj ET Q q 0 0 0 rg BT 462.97 381.07 Td (Mellon ) Tj ET Q q 0 0 0 rg BT 494.19 381.07 Td (T) Tj ET Q q 0 0 0 rg BT 500.03 381.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 517.28 381.07 Td (Company) Tj ET Q q 0 0 0 rg BT 555.84 381.07 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 371.07 Td (in ) Tj ET Q q 0 0 0 rg BT 105.79 371.07 Td (its ) Tj ET Q q 0 0 0 rg BT 117.25 371.07 Td (capacity ) Tj ET Q q 0 0 0 rg BT 152.58 371.07 Td (as ) Tj ET Q q 0 0 0 rg BT 162.92 371.07 Td (trustee ) Tj ET Q q 0 0 0 rg BT 191.59 371.07 Td (of ) Tj ET Q q 0 0 0 rg BT 201.93 371.07 Td (PLAZA) Tj ET Q q 0 0 0 rg BT 233.88 371.07 Td ( ) Tj ET Q q 0 0 0 rg BT 235.56 371.07 Td (T) Tj ET Q q 0 0 0 rg BT 241.40 371.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 258.24 371.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 314.11 371.07 Td (by ) Tj ET Q q 0 0 0 rg BT 326.13 371.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 365.32 371.07 Td (to ) Tj ET Q q 0 0 0 rg BT 375.12 371.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 406.57 371.07 Td (10.3 ) Tj ET Q q 0 0 0 rg BT 426.08 371.07 Td (of ) Tj ET Q q 0 0 0 rg BT 436.43 371.07 Td (the ) Tj ET Q q 0 0 0 rg BT 450.66 371.07 Td (Company) Tj ET Q q 0 0 0 rg BT 492.60 371.07 Td (s ) Tj ET Q q 0 0 0 rg BT 498.23 371.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 530.79 371.07 Td (Report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 361.07 Td (on ) Tj ET Q q 0 0 0 rg BT 108.50 361.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 132.67 361.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 150.72 361.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 171.55 361.07 Td (with ) Tj ET Q q 0 0 0 rg BT 191.83 361.07 Td (the ) Tj ET Q q 0 0 0 rg BT 206.54 361.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 248.48 361.07 Td (and ) Tj ET Q q 0 0 0 rg BT 265.41 361.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 307.34 361.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 360.40 361.07 Td (on ) Tj ET Q q 0 0 0 rg BT 372.90 361.07 Td (December ) Tj ET Q q 0 0 0 rg BT 416.49 361.07 Td (19, ) Tj ET Q q 0 0 0 rg BT 431.49 361.07 Td (2014\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 338.07 Td (10.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 338.07 Td (Junior ) Tj ET Q q 0 0 0 rg BT 123.55 338.07 Td (Subordinated ) Tj ET Q q 0 0 0 rg BT 179.43 338.07 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 222.80 338.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 247.01 338.07 Td (as ) Tj ET Q q 0 0 0 rg BT 257.89 338.07 Td (of ) Tj ET Q q 0 0 0 rg BT 268.49 338.07 Td (August ) Tj ET Q q 0 0 0 rg BT 299.66 338.07 Td (2, ) Tj ET Q q 0 0 0 rg BT 309.71 338.07 Td (2005, ) Tj ET Q q 0 0 0 rg BT 334.77 338.07 Td (between ) Tj ET Q q 0 0 0 rg BT 370.64 338.07 Td (the ) Tj ET Q q 0 0 0 rg BT 385.41 338.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 426.85 338.07 Td (and ) Tj ET Q q 0 0 0 rg BT 443.75 338.07 Td (W) Tj ET Q q 0 0 0 rg BT 452.89 338.07 Td (ilmington ) Tj ET Q q 0 0 0 rg BT 494.04 338.07 Td (T) Tj ET Q q 0 0 0 rg BT 499.89 338.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 517.26 338.07 Td (Company) Tj ET Q q 0 0 0 rg BT 555.83 338.07 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 328.07 Td (as ) Tj ET Q q 0 0 0 rg BT 107.21 328.07 Td (trustee ) Tj ET Q q 0 0 0 rg BT 136.75 328.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 193.49 328.07 Td (by ) Tj ET Q q 0 0 0 rg BT 206.37 328.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 246.43 328.07 Td (to ) Tj ET Q q 0 0 0 rg BT 257.09 328.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 289.41 328.07 Td (10.1 ) Tj ET Q q 0 0 0 rg BT 309.79 328.07 Td (of ) Tj ET Q q 0 0 0 rg BT 321.00 328.07 Td (the ) Tj ET Q q 0 0 0 rg BT 336.10 328.07 Td (Company) Tj ET Q q 0 0 0 rg BT 378.04 328.07 Td (s ) Tj ET Q q 0 0 0 rg BT 384.53 328.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 417.96 328.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 448.06 328.07 Td (on ) Tj ET Q q 0 0 0 rg BT 460.94 328.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 485.49 328.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 503.92 328.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 525.12 328.07 Td (with ) Tj ET Q q 0 0 0 rg BT 545.78 328.07 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 318.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 137.93 318.07 Td (and ) Tj ET Q q 0 0 0 rg BT 154.87 318.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 196.80 318.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 249.86 318.07 Td (on ) Tj ET Q q 0 0 0 rg BT 262.09 318.07 Td (August ) Tj ET Q q 0 0 0 rg BT 293.20 318.07 Td (4, ) Tj ET Q q 0 0 0 rg BT 303.20 318.07 Td (2005\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 295.07 Td (10.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 295.07 Td (Amended ) Tj ET Q q 0 0 0 rg BT 137.06 295.07 Td (and ) Tj ET Q q 0 0 0 rg BT 153.68 295.07 Td (Restated ) Tj ET Q q 0 0 0 rg BT 190.23 295.07 Td (T) Tj ET Q q 0 0 0 rg BT 196.07 295.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 212.87 295.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 261.70 295.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 285.54 295.07 Td (as ) Tj ET Q q 0 0 0 rg BT 296.05 295.07 Td (of ) Tj ET Q q 0 0 0 rg BT 306.35 295.07 Td (August ) Tj ET Q q 0 0 0 rg BT 337.15 295.07 Td (2, ) Tj ET Q q 0 0 0 rg BT 346.83 295.07 Td (2005, ) Tj ET Q q 0 0 0 rg BT 371.51 295.07 Td (among ) Tj ET Q q 0 0 0 rg BT 400.91 295.07 Td (the ) Tj ET Q q 0 0 0 rg BT 415.31 295.07 Td (Company) Tj ET Q q 0 0 0 rg BT 453.87 295.07 Td (, ) Tj ET Q q 0 0 0 rg BT 458.23 295.07 Td (as ) Tj ET Q q 0 0 0 rg BT 468.74 295.07 Td (depositor) Tj ET Q q 0 0 0 rg BT 505.76 295.07 Td (, ) Tj ET Q q 0 0 0 rg BT 510.17 295.07 Td (W) Tj ET Q q 0 0 0 rg BT 519.32 295.07 Td (ilmington ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 285.07 Td (T) Tj ET Q q 0 0 0 rg BT 101.93 285.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 118.67 285.07 Td (Company) Tj ET Q q 0 0 0 rg BT 157.24 285.07 Td (, ) Tj ET Q q 0 0 0 rg BT 161.33 285.07 Td (as ) Tj ET Q q 0 0 0 rg BT 171.58 285.07 Td (property ) Tj ET Q q 0 0 0 rg BT 207.37 285.07 Td (trustee ) Tj ET Q q 0 0 0 rg BT 235.95 285.07 Td (and ) Tj ET Q q 0 0 0 rg BT 252.30 285.07 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 292.53 285.07 Td (trustee, ) Tj ET Q q 0 0 0 rg BT 323.60 285.07 Td (and ) Tj ET Q q 0 0 0 rg BT 339.96 285.07 Td (the ) Tj ET Q q 0 0 0 rg BT 353.94 285.07 Td (Administrative ) Tj ET Q q 0 0 0 rg BT 415.53 285.07 Td (T) Tj ET Q q 0 0 0 rg BT 421.37 285.07 Td (rustees ) Tj ET Q q 0 0 0 rg BT 450.88 285.07 Td (listed ) Tj ET Q q 0 0 0 rg BT 474.46 285.07 Td (therein ) Tj ET Q q 0 0 0 rg BT 504.15 285.07 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 275.07 Td (by ) Tj ET Q q 0 0 0 rg BT 108.63 275.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 148.45 275.07 Td (to ) Tj ET Q q 0 0 0 rg BT 158.86 275.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 190.94 275.07 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 211.07 275.07 Td (of ) Tj ET Q q 0 0 0 rg BT 222.03 275.07 Td (the ) Tj ET Q q 0 0 0 rg BT 236.88 275.07 Td (Company) Tj ET Q q 0 0 0 rg BT 278.83 275.07 Td (s ) Tj ET Q q 0 0 0 rg BT 285.07 275.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 318.25 275.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 348.10 275.07 Td (on ) Tj ET Q q 0 0 0 rg BT 360.74 275.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 385.04 275.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 403.23 275.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 424.18 275.07 Td (with ) Tj ET Q q 0 0 0 rg BT 444.60 275.07 Td (the ) Tj ET Q q 0 0 0 rg BT 459.45 275.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 501.51 275.07 Td (and ) Tj ET Q q 0 0 0 rg BT 518.58 275.07 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 265.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 149.07 265.07 Td (on ) Tj ET Q q 0 0 0 rg BT 161.29 265.07 Td (August ) Tj ET Q q 0 0 0 rg BT 192.41 265.07 Td (4, ) Tj ET Q q 0 0 0 rg BT 202.41 265.07 Td (2005\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 242.07 Td (10.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 242.07 Td (Guarantee ) Tj ET Q q 0 0 0 rg BT 140.41 242.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 190.97 242.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 216.54 242.07 Td (as ) Tj ET Q q 0 0 0 rg BT 228.79 242.07 Td (of ) Tj ET Q q 0 0 0 rg BT 240.44 242.07 Td (August ) Tj ET Q q 0 0 0 rg BT 272.97 242.07 Td (2, ) Tj ET Q q 0 0 0 rg BT 284.39 242.07 Td (2005, ) Tj ET Q q 0 0 0 rg BT 310.80 242.07 Td (between ) Tj ET Q q 0 0 0 rg BT 348.03 242.07 Td (the ) Tj ET Q q 0 0 0 rg BT 364.17 242.07 Td (Company) Tj ET Q q 0 0 0 rg BT 402.73 242.07 Td (, ) Tj ET Q q 0 0 0 rg BT 408.82 242.07 Td (as ) Tj ET Q q 0 0 0 rg BT 421.06 242.07 Td (Guarantor) Tj ET Q q 0 0 0 rg BT 461.40 242.07 Td (, ) Tj ET Q q 0 0 0 rg BT 467.61 242.07 Td (and ) Tj ET Q q 0 0 0 rg BT 485.77 242.07 Td (W) Tj ET Q q 0 0 0 rg BT 494.92 242.07 Td (ilmington ) Tj ET Q q 0 0 0 rg BT 537.33 242.07 Td (T) Tj ET Q q 0 0 0 rg BT 543.18 242.07 Td (rust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 232.07 Td (Company) Tj ET Q q 0 0 0 rg BT 134.56 232.07 Td (, ) Tj ET Q q 0 0 0 rg BT 139.16 232.07 Td (as ) Tj ET Q q 0 0 0 rg BT 149.90 232.07 Td (trustee ) Tj ET Q q 0 0 0 rg BT 178.98 232.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 235.26 232.07 Td (by ) Tj ET Q q 0 0 0 rg BT 247.68 232.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 287.28 232.07 Td (to ) Tj ET Q q 0 0 0 rg BT 297.48 232.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 329.34 232.07 Td (10.3 ) Tj ET Q q 0 0 0 rg BT 349.26 232.07 Td (of ) Tj ET Q q 0 0 0 rg BT 360.00 232.07 Td (the ) Tj ET Q q 0 0 0 rg BT 374.64 232.07 Td (Company) Tj ET Q q 0 0 0 rg BT 416.58 232.07 Td (s ) Tj ET Q q 0 0 0 rg BT 422.61 232.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 455.58 232.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 485.21 232.07 Td (on ) Tj ET Q q 0 0 0 rg BT 497.63 232.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 521.72 232.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 539.69 232.07 Td (filed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 222.07 Td (with ) Tj ET Q q 0 0 0 rg BT 116.28 222.07 Td (the ) Tj ET Q q 0 0 0 rg BT 131.00 222.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 172.93 222.07 Td (and ) Tj ET Q q 0 0 0 rg BT 189.87 222.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 231.79 222.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 284.86 222.07 Td (on ) Tj ET Q q 0 0 0 rg BT 297.08 222.07 Td (August ) Tj ET Q q 0 0 0 rg BT 328.20 222.07 Td (4, ) Tj ET Q q 0 0 0 rg BT 338.20 222.07 Td (2005\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 199.07 Td (10.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 199.07 Td (Indenture, ) Tj ET Q q 0 0 0 rg BT 139.38 199.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 163.60 199.07 Td (as ) Tj ET Q q 0 0 0 rg BT 174.50 199.07 Td (of ) Tj ET Q q 0 0 0 rg BT 185.39 199.07 Td (September ) Tj ET Q q 0 0 0 rg BT 230.72 199.07 Td (1, ) Tj ET Q q 0 0 0 rg BT 240.78 199.07 Td (2006, ) Tj ET Q q 0 0 0 rg BT 265.85 199.07 Td (between ) Tj ET Q q 0 0 0 rg BT 301.73 199.07 Td (the ) Tj ET Q q 0 0 0 rg BT 316.51 199.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 357.96 199.07 Td (and ) Tj ET Q q 0 0 0 rg BT 374.97 199.07 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 408.07 199.07 Td (Bank ) Tj ET Q q 0 0 0 rg BT 431.75 199.07 Td (National ) Tj ET Q q 0 0 0 rg BT 468.45 199.07 Td (Association, ) Tj ET Q q 0 0 0 rg BT 520.46 199.07 Td (as ) Tj ET Q q 0 0 0 rg BT 531.36 199.07 Td (trustee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 189.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 152.65 189.07 Td (by ) Tj ET Q q 0 0 0 rg BT 165.44 189.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 205.41 189.07 Td (to ) Tj ET Q q 0 0 0 rg BT 215.98 189.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 248.21 189.07 Td (10.1 ) Tj ET Q q 0 0 0 rg BT 268.50 189.07 Td (of ) Tj ET Q q 0 0 0 rg BT 279.61 189.07 Td (the ) Tj ET Q q 0 0 0 rg BT 294.62 189.07 Td (Company) Tj ET Q q 0 0 0 rg BT 336.56 189.07 Td (s ) Tj ET Q q 0 0 0 rg BT 342.96 189.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 376.30 189.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 406.30 189.07 Td (on ) Tj ET Q q 0 0 0 rg BT 419.09 189.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 443.55 189.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 461.89 189.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 483.00 189.07 Td (with ) Tj ET Q q 0 0 0 rg BT 503.57 189.07 Td (the ) Tj ET Q q 0 0 0 rg BT 518.57 189.07 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 179.07 Td (and ) Tj ET Q q 0 0 0 rg BT 112.94 179.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 154.86 179.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 207.93 179.07 Td (on ) Tj ET Q q 0 0 0 rg BT 220.43 179.07 Td (September ) Tj ET Q q 0 0 0 rg BT 265.69 179.07 Td (6, ) Tj ET Q q 0 0 0 rg BT 275.69 179.07 Td (2006\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 156.07 Td (10.11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 156.07 Td (Amended ) Tj ET Q q 0 0 0 rg BT 136.45 156.07 Td (and ) Tj ET Q q 0 0 0 rg BT 152.46 156.07 Td (Restated ) Tj ET Q q 0 0 0 rg BT 188.46 156.07 Td (Declaration ) Tj ET Q q 0 0 0 rg BT 236.67 156.07 Td (of ) Tj ET Q q 0 0 0 rg BT 246.55 156.07 Td (T) Tj ET Q q 0 0 0 rg BT 252.40 156.07 Td (rust, ) Tj ET Q q 0 0 0 rg BT 271.29 156.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 294.52 156.07 Td (as ) Tj ET Q q 0 0 0 rg BT 304.42 156.07 Td (of ) Tj ET Q q 0 0 0 rg BT 314.32 156.07 Td (September ) Tj ET Q q 0 0 0 rg BT 358.65 156.07 Td (1, ) Tj ET Q q 0 0 0 rg BT 367.73 156.07 Td (2006, ) Tj ET Q q 0 0 0 rg BT 391.80 156.07 Td (among ) Tj ET Q q 0 0 0 rg BT 420.59 156.07 Td (the ) Tj ET Q q 0 0 0 rg BT 434.37 156.07 Td (Company) Tj ET Q q 0 0 0 rg BT 472.94 156.07 Td (, ) Tj ET Q q 0 0 0 rg BT 476.68 156.07 Td (as ) Tj ET Q q 0 0 0 rg BT 486.58 156.07 Td (depositor) Tj ET Q q 0 0 0 rg BT 523.60 156.07 Td (, ) Tj ET Q q 0 0 0 rg BT 527.47 156.07 Td (LaSalle ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 146.07 Td (Bank ) Tj ET Q q 0 0 0 rg BT 119.66 146.07 Td (National ) Tj ET Q q 0 0 0 rg BT 156.36 146.07 Td (Association, ) Tj ET Q q 0 0 0 rg BT 208.36 146.07 Td (as ) Tj ET Q q 0 0 0 rg BT 219.24 146.07 Td (institutional ) Tj ET Q q 0 0 0 rg BT 269.57 146.07 Td (trustee, ) Tj ET Q q 0 0 0 rg BT 301.28 146.07 Td (Christiana ) Tj ET Q q 0 0 0 rg BT 344.94 146.07 Td (Bank ) Tj ET Q q 0 0 0 rg BT 368.60 146.07 Td (& ) Tj ET Q q 0 0 0 rg BT 378.84 146.07 Td (T) Tj ET Q q 0 0 0 rg BT 384.68 146.07 Td (rust ) Tj ET Q q 0 0 0 rg BT 402.06 146.07 Td (Company) Tj ET Q q 0 0 0 rg BT 440.62 146.07 Td (, ) Tj ET Q q 0 0 0 rg BT 445.35 146.07 Td (as ) Tj ET Q q 0 0 0 rg BT 456.23 146.07 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 497.09 146.07 Td (trustee, ) Tj ET Q q 0 0 0 rg BT 528.80 146.07 Td (and ) Tj ET Q q 0 0 0 rg BT 545.79 146.07 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 136.07 Td (Administrators ) Tj ET Q q 0 0 0 rg BT 158.75 136.07 Td (listed ) Tj ET Q q 0 0 0 rg BT 183.16 136.07 Td (therein ) Tj ET Q q 0 0 0 rg BT 213.68 136.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 270.29 136.07 Td (by ) Tj ET Q q 0 0 0 rg BT 283.04 136.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 322.98 136.07 Td (to ) Tj ET Q q 0 0 0 rg BT 333.51 136.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 365.70 136.07 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 385.95 136.07 Td (of ) Tj ET Q q 0 0 0 rg BT 397.04 136.07 Td (the ) Tj ET Q q 0 0 0 rg BT 412.00 136.07 Td (Company) Tj ET Q q 0 0 0 rg BT 453.94 136.07 Td (s ) Tj ET Q q 0 0 0 rg BT 460.31 136.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 493.61 136.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 523.58 136.07 Td (on ) Tj ET Q q 0 0 0 rg BT 536.33 136.07 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 126.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 114.05 126.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 134.88 126.07 Td (with ) Tj ET Q q 0 0 0 rg BT 155.16 126.07 Td (the ) Tj ET Q q 0 0 0 rg BT 169.87 126.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 211.81 126.07 Td (and ) Tj ET Q q 0 0 0 rg BT 228.74 126.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 270.67 126.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 323.73 126.07 Td (on ) Tj ET Q q 0 0 0 rg BT 336.23 126.07 Td (September ) Tj ET Q q 0 0 0 rg BT 381.50 126.07 Td (6, ) Tj ET Q q 0 0 0 rg BT 391.50 126.07 Td (2006\).) 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Tj ET Q endstream endobj 355 0 obj <> endobj 356 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.00 27.67 Td (177) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 738.07 Td (10.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 738.07 Td (Amended ) Tj ET Q q 0 0 0 rg BT 137.89 738.07 Td (and ) Tj ET Q q 0 0 0 rg BT 155.35 738.07 Td (Restated ) Tj ET Q q 0 0 0 rg BT 192.80 738.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 247.09 738.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 296.75 738.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 321.43 738.07 Td (December ) Tj ET Q q 0 0 0 rg BT 365.53 738.07 Td (19, ) Tj ET Q q 0 0 0 rg BT 381.05 738.07 Td (2008, ) Tj ET Q q 0 0 0 rg BT 406.56 738.07 Td (between ) Tj ET Q q 0 0 0 rg BT 442.90 738.07 Td (the ) Tj ET 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rg BT 96.00 695.07 Td (Amended ) Tj ET Q q 0 0 0 rg BT 138.19 695.07 Td (and ) Tj ET Q q 0 0 0 rg BT 155.94 695.07 Td (Restated ) Tj ET Q q 0 0 0 rg BT 193.69 695.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 248.21 695.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 298.17 695.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 323.14 695.07 Td (December ) Tj ET Q q 0 0 0 rg BT 367.53 695.07 Td (19, ) Tj ET Q q 0 0 0 rg BT 383.35 695.07 Td (2008, ) Tj ET Q q 0 0 0 rg BT 409.16 695.07 Td (between ) Tj ET Q q 0 0 0 rg BT 445.79 695.07 Td (the ) Tj ET Q q 0 0 0 rg BT 461.32 695.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 503.52 695.07 Td (and ) Tj ET Q q 0 0 0 rg BT 521.27 695.07 Td (David ) Tj ET Q q 0 0 0 rg BT 548.56 695.07 Td (A. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 685.07 Td (Dykstra, ) Tj ET Q q 0 0 0 rg BT 132.63 685.07 Td (Senior ) Tj ET Q q 0 0 0 rg BT 161.21 685.07 Td (Executive ) Tj ET Q q 0 0 0 rg BT 203.57 685.07 Td (V) Tj ET Q q 0 0 0 rg BT 210.40 685.07 Td (ice ) Tj ET Q q 0 0 0 rg BT 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632.07 Td (by ) Tj ET Q q 0 0 0 rg BT 392.37 632.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 430.83 632.07 Td (to ) Tj ET Q q 0 0 0 rg BT 439.88 632.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 470.59 632.07 Td (10.7 ) Tj ET Q q 0 0 0 rg BT 489.37 632.07 Td (of ) Tj ET Q q 0 0 0 rg BT 498.97 632.07 Td (the ) Tj ET Q q 0 0 0 rg BT 512.46 632.07 Td (Company) Tj ET Q q 0 0 0 rg BT 554.12 632.07 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 622.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 129.05 622.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 158.76 622.07 Td (on ) Tj ET Q q 0 0 0 rg BT 171.26 622.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 195.43 622.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 213.49 622.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 234.31 622.07 Td (with ) Tj ET Q q 0 0 0 rg BT 254.59 622.07 Td (the ) Tj ET Q q 0 0 0 rg BT 269.31 622.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 311.24 622.07 Td (and ) Tj ET Q q 0 0 0 rg BT 328.18 622.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 370.10 622.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 423.17 622.07 Td (on ) Tj ET Q q 0 0 0 rg BT 435.67 622.07 Td (December ) Tj ET Q q 0 0 0 rg BT 479.25 622.07 Td (24, ) Tj ET Q q 0 0 0 rg BT 494.25 622.07 Td (2008\).*) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 597.07 Td (10.16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 597.07 Td (Amended ) Tj ET Q q 0 0 0 rg BT 138.22 597.07 Td (and ) Tj ET Q q 0 0 0 rg BT 156.00 597.07 Td (Restated ) Tj ET Q q 0 0 0 rg BT 193.77 597.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 248.31 597.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 298.29 597.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 323.29 597.07 Td (December ) Tj ET Q q 0 0 0 rg BT 367.71 597.07 Td (19, ) Tj ET Q q 0 0 0 rg BT 383.55 597.07 Td (2008, ) Tj ET Q q 0 0 0 rg BT 409.39 597.07 Td (between ) Tj ET Q q 0 0 0 rg BT 446.05 597.07 Td (the ) Tj ET Q q 0 0 0 rg BT 461.61 597.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 503.83 597.07 Td (and ) Tj ET Q q 0 0 0 rg BT 521.61 597.07 Td (David ) Tj ET Q q 0 0 0 rg BT 549.39 597.07 Td (L. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 587.07 Td (Stoehr) Tj ET Q q 0 0 0 rg BT 121.91 587.07 Td (, ) Tj ET Q q 0 0 0 rg BT 128.19 587.07 Td (Executive ) Tj ET Q q 0 0 0 rg BT 171.96 587.07 Td (V) Tj ET Q q 0 0 0 rg BT 178.79 587.07 Td (ice ) Tj ET Q q 0 0 0 rg BT 194.12 587.07 Td (President ) Tj ET Q q 0 0 0 rg BT 235.32 587.07 Td (and ) Tj ET Q q 0 0 0 rg BT 253.74 587.07 Td (Chief ) Tj ET Q q 0 0 0 rg BT 279.94 587.07 Td (Financial ) Tj ET Q q 0 0 0 rg BT 321.14 587.07 Td (Of) Tj ET Q q 0 0 0 rg BT 331.60 587.07 Td (ficer ) Tj ET Q q 0 0 0 rg BT 353.81 587.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 411.65 587.07 Td (by ) Tj ET Q q 0 0 0 rg BT 425.63 587.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 466.80 587.07 Td (to ) Tj ET Q q 0 0 0 rg BT 478.56 587.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 511.99 587.07 Td (10.6 ) Tj ET Q q 0 0 0 rg BT 533.47 587.07 Td (of ) Tj ET Q q 0 0 0 rg BT 545.78 587.07 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 577.07 Td (Company) Tj ET Q q 0 0 0 rg BT 137.94 577.07 Td (s ) Tj ET Q q 0 0 0 rg BT 143.05 577.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 175.08 577.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 203.79 577.07 Td (on ) Tj ET Q q 0 0 0 rg BT 215.28 577.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 238.44 577.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 255.49 577.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 275.30 577.07 Td (with ) Tj ET Q q 0 0 0 rg BT 294.57 577.07 Td (the ) Tj ET Q q 0 0 0 rg BT 308.28 577.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 349.20 577.07 Td (and ) Tj ET Q q 0 0 0 rg BT 365.13 577.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 406.05 577.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 458.10 577.07 Td (on ) Tj ET Q q 0 0 0 rg BT 469.59 577.07 Td (December24, ) Tj ET Q q 0 0 0 rg BT 527.17 577.07 Td (2008\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 554.07 Td (10.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 554.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 149.41 554.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 197.94 554.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 221.34 554.07 Td (August ) Tj ET Q q 0 0 0 rg BT 251.85 554.07 Td (30, ) Tj ET Q q 0 0 0 rg BT 266.23 554.07 Td (201) Tj ET Q q 0 0 0 rg BT 281.05 554.07 Td (1, ) Tj ET Q q 0 0 0 rg BT 290.25 554.07 Td (between ) Tj ET Q q 0 0 0 rg BT 325.45 554.07 Td (the ) Tj ET Q q 0 0 0 rg BT 339.56 554.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 380.33 554.07 Td (and ) Tj ET Q q 0 0 0 rg BT 396.66 554.07 Td (Lisa ) Tj ET Q q 0 0 0 rg BT 415.76 554.07 Td (Reategui ) Tj ET Q q 0 0 0 rg BT 453.19 554.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 508.94 554.07 Td (by ) Tj ET Q q 0 0 0 rg BT 520.83 554.07 Td (reference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 544.07 Td (to ) Tj ET Q q 0 0 0 rg BT 106.28 544.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 138.22 544.07 Td (10.18 ) Tj ET Q q 0 0 0 rg BT 163.22 544.07 Td (of ) Tj ET Q q 0 0 0 rg BT 174.05 544.07 Td (the ) Tj ET Q q 0 0 0 rg BT 188.77 544.07 Td (Company's ) Tj ET Q q 0 0 0 rg BT 235.57 544.07 Td (Annual ) Tj ET Q q 0 0 0 rg BT 267.24 544.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 296.95 544.07 Td (on ) Tj ET Q q 0 0 0 rg BT 309.45 544.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 333.62 544.07 Td (10-K ) Tj ET Q q 0 0 0 rg BT 356.67 544.07 Td (for ) Tj ET Q q 0 0 0 rg BT 370.83 544.07 Td (the ) Tj ET Q q 0 0 0 rg BT 385.55 544.07 Td (year ) Tj ET Q q 0 0 0 rg BT 405.26 544.07 Td (ending ) Tj ET Q q 0 0 0 rg BT 434.97 544.07 Td (December ) Tj ET Q q 0 0 0 rg BT 478.56 544.07 Td (31, ) Tj ET Q q 0 0 0 rg BT 493.56 544.07 Td (201) Tj ET Q q 0 0 0 rg BT 508.37 544.07 Td (1\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 521.07 Td (10.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 521.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 149.61 521.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 199.03 521.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 222.64 521.07 Td (August ) Tj ET Q q 0 0 0 rg BT 254.03 521.07 Td (1) Tj ET Q q 0 0 0 rg BT 258.66 521.07 Td (1, ) Tj ET Q q 0 0 0 rg BT 268.66 521.07 Td (2008, ) Tj ET Q q 0 0 0 rg BT 293.66 521.07 Td (between ) Tj ET Q q 0 0 0 rg BT 329.47 521.07 Td (the ) Tj ET Q q 0 0 0 rg BT 344.19 521.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 385.58 521.07 Td (and ) Tj ET Q q 0 0 0 rg BT 402.33 521.07 Td (T) Tj ET Q q 0 0 0 rg BT 408.09 521.07 Td (imothy ) Tj ET Q q 0 0 0 rg BT 438.92 521.07 Td (Crane.*) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 496.07 Td (10.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 496.07 Td (First ) Tj ET Q q 0 0 0 rg BT 116.04 496.07 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 167.03 496.07 Td (to ) Tj ET Q q 0 0 0 rg BT 176.64 496.07 Td (Employment ) Tj ET Q q 0 0 0 rg BT 230.00 496.07 Td (Agreement, ) Tj ET Q q 0 0 0 rg BT 278.48 496.07 Td (dated ) Tj ET Q q 0 0 0 rg BT 301.96 496.07 Td (November ) Tj ET Q q 0 0 0 rg BT 346.00 496.07 Td (30, ) Tj ET Q q 0 0 0 rg BT 360.33 496.07 Td (2010, ) Tj ET Q q 0 0 0 rg BT 384.66 496.07 Td (between ) Tj ET Q q 0 0 0 rg BT 419.81 496.07 Td (the ) Tj ET Q q 0 0 0 rg BT 433.85 496.07 Td (Company ) Tj ET Q q 0 0 0 rg BT 474.57 496.07 Td (and ) Tj ET Q q 0 0 0 rg BT 490.80 496.07 Td (T) Tj ET Q q 0 0 0 rg BT 496.64 496.07 Td (imothy ) Tj ET Q q 0 0 0 rg BT 526.63 496.07 Td (Crane.*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 473.07 Td (10.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 473.07 Td (W) Tj ET Q q 0 0 0 rg BT 105.04 473.07 Td (intrust ) Tj ET Q q 0 0 0 rg BT 133.67 473.07 Td (Financial ) Tj ET Q q 0 0 0 rg BT 173.95 473.07 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 225.35 473.07 Td (1997 ) Tj ET Q q 0 0 0 rg BT 248.43 473.07 Td (Stock ) Tj ET Q q 0 0 0 rg BT 274.28 473.07 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 314.55 473.07 Td (Plan ) Tj ET Q q 0 0 0 rg BT 335.41 473.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 392.34 473.07 Td (by ) Tj ET Q q 0 0 0 rg BT 405.42 473.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 445.67 473.07 Td (to ) Tj ET Q q 0 0 0 rg BT 455.85 473.07 Td (Appendix ) Tj ET Q q 0 0 0 rg BT 497.68 473.07 Td (A) Tj ET Q q 0 0 0 rg BT 504.35 473.07 Td ( ) Tj ET Q q 0 0 0 rg BT 507.42 473.07 Td (of ) Tj ET Q q 0 0 0 rg BT 518.83 473.07 Td (the ) Tj ET Q q 0 0 0 rg BT 534.12 473.07 Td (Proxy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 463.07 Td (Statement ) Tj ET Q q 0 0 0 rg BT 138.49 463.07 Td (relating ) Tj ET Q q 0 0 0 rg BT 171.53 463.07 Td (to ) Tj ET Q q 0 0 0 rg BT 181.81 463.07 Td (the ) Tj ET Q q 0 0 0 rg BT 196.53 463.07 Td (May ) Tj ET Q q 0 0 0 rg BT 217.36 463.07 Td (22, ) Tj ET Q q 0 0 0 rg BT 232.36 463.07 Td (1997 ) Tj ET Q q 0 0 0 rg BT 254.31 463.07 Td (Annual ) Tj ET Q q 0 0 0 rg BT 286.24 463.07 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 322.07 463.07 Td (of ) Tj ET Q q 0 0 0 rg BT 332.90 463.07 Td (Shareholders ) Tj ET Q q 0 0 0 rg BT 387.61 463.07 Td (of ) Tj ET Q q 0 0 0 rg BT 398.44 463.07 Td (the ) Tj ET Q q 0 0 0 rg BT 413.15 463.07 Td (Company\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 440.07 Td (10.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 439.17 Td (First ) Tj ET Q q 0 0 0 rg BT 116.34 439.17 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 167.71 439.17 Td (to ) Tj ET Q q 0 0 0 rg BT 177.63 439.17 Td (W) Tj ET Q q 0 0 0 rg BT 186.77 439.17 Td (intrust ) Tj ET Q q 0 0 0 rg BT 214.34 439.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 253.76 439.17 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 304.30 439.17 Td (1997 ) Tj ET Q q 0 0 0 rg BT 326.51 439.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 351.50 439.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 390.91 439.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 410.90 439.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 466.98 439.17 Td (by ) Tj ET Q q 0 0 0 rg BT 479.19 439.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 518.58 439.17 Td (to ) Tj ET Q q 0 0 0 rg BT 528.57 439.17 Td (Exhibit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 429.17 Td (10.1 ) Tj ET Q q 0 0 0 rg BT 116.00 429.17 Td (of ) Tj ET Q q 0 0 0 rg BT 126.83 429.17 Td (the ) Tj ET Q q 0 0 0 rg BT 141.55 429.17 Td (Company) Tj ET Q q 0 0 0 rg BT 183.49 429.17 Td (s ) Tj ET Q q 0 0 0 rg BT 189.60 429.17 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 230.42 429.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 260.14 429.17 Td (on ) Tj ET Q q 0 0 0 rg BT 272.64 429.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 296.81 429.17 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 319.86 429.17 Td (for ) Tj ET Q q 0 0 0 rg BT 334.02 429.17 Td (the ) Tj ET Q q 0 0 0 rg BT 348.73 429.17 Td (quarter ) Tj ET Q q 0 0 0 rg BT 379.55 429.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 405.93 429.17 Td (June ) Tj ET Q q 0 0 0 rg BT 426.76 429.17 Td (30, ) Tj ET Q q 0 0 0 rg BT 441.76 429.17 Td (2000\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 407.07 Td (10.22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 406.17 Td (Second ) Tj ET Q q 0 0 0 rg BT 127.50 406.17 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 178.94 406.17 Td (to ) Tj ET Q q 0 0 0 rg BT 188.93 406.17 Td (W) Tj ET Q q 0 0 0 rg BT 198.07 406.17 Td (intrust ) Tj ET Q q 0 0 0 rg BT 225.72 406.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 265.21 406.17 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 315.82 406.17 Td (1997 ) Tj ET Q q 0 0 0 rg BT 338.11 406.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 363.17 406.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 402.66 406.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 422.72 406.17 Td (adopted ) Tj ET Q q 0 0 0 rg BT 456.66 406.17 Td (by ) Tj ET Q q 0 0 0 rg BT 468.95 406.17 Td (the ) Tj ET Q q 0 0 0 rg BT 483.45 406.17 Td (Board ) Tj ET Q q 0 0 0 rg BT 510.17 406.17 Td (of ) Tj ET Q q 0 0 0 rg BT 520.79 406.17 Td (Directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 396.17 Td (on ) Tj ET Q q 0 0 0 rg BT 108.88 396.17 Td (January ) Tj ET Q q 0 0 0 rg BT 142.85 396.17 Td (24, ) Tj ET Q q 0 0 0 rg BT 158.22 396.17 Td (2002 ) Tj ET Q q 0 0 0 rg BT 181.10 396.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 237.84 396.17 Td (by ) Tj ET Q q 0 0 0 rg BT 250.71 396.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 290.77 396.17 Td (to ) Tj ET Q q 0 0 0 rg BT 301.42 396.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 333.74 396.17 Td (99.3 ) Tj ET Q q 0 0 0 rg BT 354.12 396.17 Td (of ) Tj ET Q q 0 0 0 rg BT 365.32 396.17 Td (the ) Tj ET Q q 0 0 0 rg BT 380.41 396.17 Td (Company) Tj ET Q q 0 0 0 rg BT 422.35 396.17 Td (s ) Tj ET Q q 0 0 0 rg BT 428.84 396.17 Td (Registration ) Tj ET Q q 0 0 0 rg BT 480.60 396.17 Td (Statement ) Tj ET Q q 0 0 0 rg BT 523.47 396.17 Td (on ) Tj ET Q q 0 0 0 rg BT 536.34 396.17 Td (Form ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 386.17 Td (S-8 ) Tj ET Q q 0 0 0 rg BT 112.39 386.17 Td (filed ) Tj ET Q q 0 0 0 rg BT 133.22 386.17 Td (with ) Tj ET Q q 0 0 0 rg BT 153.50 386.17 Td (the ) Tj ET Q q 0 0 0 rg BT 168.21 386.17 Td (Securities ) Tj ET Q q 0 0 0 rg BT 210.15 386.17 Td (and ) Tj ET Q q 0 0 0 rg BT 227.08 386.17 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 269.01 386.17 Td (Commission ) Tj ET Q q 0 0 0 rg BT 322.07 386.17 Td (on ) Tj ET Q q 0 0 0 rg BT 334.57 386.17 Td (July ) Tj ET Q q 0 0 0 rg BT 353.74 386.17 Td (1, ) Tj ET Q q 0 0 0 rg BT 363.74 386.17 Td (2004\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 364.07 Td (10.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 363.17 Td (Third ) Tj ET Q q 0 0 0 rg BT 120.66 363.17 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 172.59 363.17 Td (to ) Tj ET Q q 0 0 0 rg BT 183.04 363.17 Td (W) Tj ET Q q 0 0 0 rg BT 192.18 363.17 Td (intrust ) Tj ET Q q 0 0 0 rg BT 220.32 363.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 260.31 363.17 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 311.41 363.17 Td (1997 ) Tj ET Q q 0 0 0 rg BT 334.19 363.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 359.74 363.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 399.72 363.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 420.28 363.17 Td (adopted ) Tj ET Q q 0 0 0 rg BT 454.71 363.17 Td (by ) Tj ET Q q 0 0 0 rg BT 467.49 363.17 Td (the ) Tj ET Q q 0 0 0 rg BT 482.48 363.17 Td (Board ) Tj ET Q q 0 0 0 rg BT 509.70 363.17 Td (of ) Tj ET Q q 0 0 0 rg BT 520.81 363.17 Td (Directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 353.17 Td (on ) Tj ET Q q 0 0 0 rg BT 108.64 353.17 Td (May ) Tj ET Q q 0 0 0 rg BT 129.61 353.17 Td (27, ) Tj ET Q q 0 0 0 rg BT 144.75 353.17 Td (2004 ) Tj ET Q q 0 0 0 rg BT 167.39 353.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 223.89 353.17 Td (by ) Tj ET Q q 0 0 0 rg BT 236.53 353.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 276.35 353.17 Td (to ) Tj ET Q q 0 0 0 rg BT 286.77 353.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 318.85 353.17 Td (99.4 ) Tj ET Q q 0 0 0 rg BT 338.99 353.17 Td (of ) Tj ET Q q 0 0 0 rg BT 349.96 353.17 Td (the ) Tj ET Q q 0 0 0 rg BT 364.81 353.17 Td (Company) Tj ET Q q 0 0 0 rg BT 406.75 353.17 Td (s ) Tj ET Q q 0 0 0 rg BT 413.01 353.17 Td (Registration ) Tj ET Q q 0 0 0 rg BT 464.53 353.17 Td (Statement ) Tj ET Q q 0 0 0 rg BT 507.16 353.17 Td (on ) Tj ET Q q 0 0 0 rg BT 519.80 353.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 544.11 353.17 Td (S-8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 343.17 Td (filed ) Tj ET Q q 0 0 0 rg BT 116.83 343.17 Td (with ) Tj ET Q q 0 0 0 rg BT 137.10 343.17 Td (the ) Tj ET Q q 0 0 0 rg BT 151.82 343.17 Td (Securities ) Tj ET Q q 0 0 0 rg BT 193.75 343.17 Td (and ) Tj ET Q q 0 0 0 rg BT 210.69 343.17 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 252.62 343.17 Td (Commission ) Tj ET Q q 0 0 0 rg BT 305.68 343.17 Td (on ) Tj ET Q q 0 0 0 rg BT 318.18 343.17 Td (July ) Tj ET Q q 0 0 0 rg BT 337.35 343.17 Td (1, ) Tj ET Q q 0 0 0 rg BT 347.35 343.17 Td (2004\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 321.07 Td (10.24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 320.17 Td (W) Tj ET Q q 0 0 0 rg BT 105.24 320.17 Td (intrust ) Tj ET Q q 0 0 0 rg BT 133.17 320.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 172.96 320.17 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 223.86 320.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 246.44 320.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 271.80 320.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 311.58 320.17 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 334.43 320.17 Td (as ) Tj ET Q q 0 0 0 rg BT 345.34 320.17 Td (amended ) Tj ET Q q 0 0 0 rg BT 384.01 320.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 440.45 320.17 Td (by ) Tj ET Q q 0 0 0 rg BT 453.03 320.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 492.79 320.17 Td (to ) Tj ET Q q 0 0 0 rg BT 503.14 320.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 535.16 320.17 Td (4.6 ) Tj ET Q q 0 0 0 rg BT 550.24 320.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 310.17 Td (the ) Tj ET Q q 0 0 0 rg BT 109.74 310.17 Td (Company) Tj ET Q q 0 0 0 rg BT 151.69 310.17 Td (s ) Tj ET Q q 0 0 0 rg BT 156.83 310.17 Td (Registration ) Tj ET Q q 0 0 0 rg BT 207.24 310.17 Td (Statement ) Tj ET Q q 0 0 0 rg BT 248.75 310.17 Td (on ) Tj ET Q q 0 0 0 rg BT 260.28 310.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 283.48 310.17 Td (S-8, ) Tj ET Q q 0 0 0 rg BT 301.40 310.17 Td (filed ) Tj ET Q q 0 0 0 rg BT 321.25 310.17 Td (with ) Tj ET Q q 0 0 0 rg BT 340.56 310.17 Td (the ) Tj ET Q q 0 0 0 rg BT 354.30 310.17 Td (Securities ) Tj ET Q q 0 0 0 rg BT 395.26 310.17 Td (and ) Tj ET Q q 0 0 0 rg BT 411.23 310.17 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 452.18 310.17 Td (Commission ) Tj ET Q q 0 0 0 rg BT 504.27 310.17 Td (on ) Tj ET Q q 0 0 0 rg BT 515.80 310.17 Td (November ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 300.17 Td (8, ) Tj ET Q q 0 0 0 rg BT 106.00 300.17 Td (201) Tj ET Q q 0 0 0 rg BT 120.81 300.17 Td (1\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 278.07 Td (10.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 277.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 120.73 277.17 Td (of ) Tj ET Q q 0 0 0 rg BT 132.11 277.17 Td (Nonqualified ) Tj ET Q q 0 0 0 rg BT 187.93 277.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 213.76 277.17 Td (Option ) Tj ET Q q 0 0 0 rg BT 244.20 277.17 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 291.40 277.17 Td (under ) Tj ET Q q 0 0 0 rg BT 317.23 277.17 Td (the ) Tj ET Q q 0 0 0 rg BT 332.50 277.17 Td (Company) Tj ET Q q 0 0 0 rg BT 374.44 277.17 Td (s ) Tj ET Q q 0 0 0 rg BT 381.11 277.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 404.17 277.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 430.00 277.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 470.26 277.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 491.09 277.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 548.01 277.17 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 267.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 135.29 267.17 Td (to ) Tj ET Q q 0 0 0 rg BT 145.17 267.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 176.72 267.17 Td (10.31 ) Tj ET Q q 0 0 0 rg BT 201.32 267.17 Td (of ) Tj ET Q q 0 0 0 rg BT 211.76 267.17 Td (the ) Tj ET Q q 0 0 0 rg BT 226.08 267.17 Td (Company) Tj ET Q q 0 0 0 rg BT 268.02 267.17 Td (s ) Tj ET Q q 0 0 0 rg BT 273.55 267.17 Td (Annual ) Tj ET Q q 0 0 0 rg BT 304.82 267.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 334.14 267.17 Td (on ) Tj ET Q q 0 0 0 rg BT 346.24 267.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 370.02 267.17 Td (10-K ) Tj ET Q q 0 0 0 rg BT 392.67 267.17 Td (for ) Tj ET Q q 0 0 0 rg BT 406.44 267.17 Td (the ) Tj ET Q q 0 0 0 rg BT 420.76 267.17 Td (year ) Tj ET Q q 0 0 0 rg BT 440.07 267.17 Td (ending ) Tj ET Q q 0 0 0 rg BT 469.39 267.17 Td (December ) Tj ET Q q 0 0 0 rg BT 512.58 267.17 Td (31, ) Tj ET Q q 0 0 0 rg BT 527.19 267.17 Td (2006\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 245.07 Td (10.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 244.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 120.28 244.17 Td (of ) Tj ET Q q 0 0 0 rg BT 131.22 244.17 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 174.38 244.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 199.77 244.17 Td (Unit ) Tj ET Q q 0 0 0 rg BT 219.86 244.17 Td (A) Tj ET Q q 0 0 0 rg BT 226.35 244.17 Td (ward ) Tj ET Q q 0 0 0 rg BT 248.19 244.17 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 294.95 244.17 Td (under ) Tj ET Q q 0 0 0 rg BT 320.33 244.17 Td (the ) Tj ET Q q 0 0 0 rg BT 335.16 244.17 Td (Company) Tj ET Q q 0 0 0 rg BT 377.10 244.17 Td (s ) Tj ET Q q 0 0 0 rg BT 383.33 244.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 405.94 244.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 431.33 244.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 471.15 244.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 491.54 244.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 548.01 244.17 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 234.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 135.29 234.17 Td (to ) Tj ET Q q 0 0 0 rg BT 145.17 234.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 176.72 234.17 Td (10.32 ) Tj ET Q q 0 0 0 rg BT 201.32 234.17 Td (of ) Tj ET Q q 0 0 0 rg BT 211.76 234.17 Td (the ) Tj ET Q q 0 0 0 rg BT 226.08 234.17 Td (Company) Tj ET Q q 0 0 0 rg BT 268.02 234.17 Td (s ) Tj ET Q q 0 0 0 rg BT 273.55 234.17 Td (Annual ) Tj ET Q q 0 0 0 rg BT 304.82 234.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 334.14 234.17 Td (on ) Tj ET Q q 0 0 0 rg BT 346.24 234.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 370.02 234.17 Td (10-K ) Tj ET Q q 0 0 0 rg BT 392.67 234.17 Td (for ) Tj ET Q q 0 0 0 rg BT 406.44 234.17 Td (the ) Tj ET Q q 0 0 0 rg BT 420.76 234.17 Td (year ) Tj ET Q q 0 0 0 rg BT 440.07 234.17 Td (ending ) Tj ET Q q 0 0 0 rg BT 469.39 234.17 Td (December ) Tj ET Q q 0 0 0 rg BT 512.58 234.17 Td (31, ) Tj ET Q q 0 0 0 rg BT 527.19 234.17 Td (2006\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 212.07 Td (10.27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 211.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.51 211.17 Td (of ) Tj ET Q q 0 0 0 rg BT 129.68 211.17 Td (Performance ) Tj ET Q q 0 0 0 rg BT 182.60 211.17 Td (Share ) Tj ET Q q 0 0 0 rg BT 207.21 211.17 Td (Unit ) Tj ET Q q 0 0 0 rg BT 226.69 211.17 Td (A) Tj ET Q q 0 0 0 rg BT 233.18 211.17 Td (ward ) Tj ET Q q 0 0 0 rg BT 254.55 211.17 Td (- ) Tj ET Q q 0 0 0 rg BT 259.72 211.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 284.33 211.17 Td (Settled ) Tj ET Q q 0 0 0 rg BT 313.95 211.17 Td (under ) Tj ET Q q 0 0 0 rg BT 338.55 211.17 Td (the ) Tj ET Q q 0 0 0 rg BT 352.61 211.17 Td (Company's ) Tj ET Q q 0 0 0 rg BT 399.03 211.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 420.87 211.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 445.48 211.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 484.52 211.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 504.14 211.17 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 201.17 Td (by ) Tj ET Q q 0 0 0 rg BT 108.03 201.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 147.24 201.17 Td (to ) Tj ET Q q 0 0 0 rg BT 157.04 201.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 188.52 201.17 Td (10.1 ) Tj ET Q q 0 0 0 rg BT 208.04 201.17 Td (of ) Tj ET Q q 0 0 0 rg BT 218.40 201.17 Td (the ) Tj ET Q q 0 0 0 rg BT 232.65 201.17 Td (Company) Tj ET Q q 0 0 0 rg BT 274.59 201.17 Td (s ) Tj ET Q q 0 0 0 rg BT 280.23 201.17 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 320.57 201.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 349.82 201.17 Td (on ) Tj ET Q q 0 0 0 rg BT 361.85 201.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 385.54 201.17 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 408.12 201.17 Td (for ) Tj ET Q q 0 0 0 rg BT 421.81 201.17 Td (the ) Tj ET Q q 0 0 0 rg BT 436.06 201.17 Td (quarter ) Tj ET Q q 0 0 0 rg BT 466.40 201.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 492.30 201.17 Td (June ) Tj ET Q q 0 0 0 rg BT 512.66 201.17 Td (30, ) Tj ET Q q 0 0 0 rg BT 527.19 201.17 Td (2013\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 179.07 Td (10.28) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 178.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.68 178.17 Td (of ) Tj ET Q q 0 0 0 rg BT 130.03 178.17 Td (Performance ) Tj ET Q q 0 0 0 rg BT 183.13 178.17 Td (Share ) Tj ET Q q 0 0 0 rg BT 207.91 178.17 Td (Unit ) Tj ET Q q 0 0 0 rg BT 227.26 178.17 Td (A) Tj ET Q q 0 0 0 rg BT 233.56 178.17 Td (ward ) Tj ET Q q 0 0 0 rg BT 255.57 178.17 Td (- ) Tj ET Q q 0 0 0 rg BT 260.91 178.17 Td (Cash ) Tj ET Q q 0 0 0 rg BT 282.92 178.17 Td (Settled ) Tj ET Q q 0 0 0 rg BT 312.71 178.17 Td (under ) Tj ET Q q 0 0 0 rg BT 337.49 178.17 Td (the ) Tj ET Q q 0 0 0 rg BT 351.73 178.17 Td (Company's ) Tj ET Q q 0 0 0 rg BT 398.32 178.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 420.33 178.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 445.13 178.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 484.34 178.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 504.13 178.17 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 168.17 Td (by ) Tj ET Q q 0 0 0 rg BT 108.03 168.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 147.24 168.17 Td (to ) Tj ET Q q 0 0 0 rg BT 157.04 168.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 188.52 168.17 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 208.04 168.17 Td (of ) Tj ET Q q 0 0 0 rg BT 218.40 168.17 Td (the ) Tj ET Q q 0 0 0 rg BT 232.65 168.17 Td (Company) Tj ET Q q 0 0 0 rg BT 274.31 168.17 Td (s ) Tj ET Q q 0 0 0 rg BT 280.23 168.17 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 320.57 168.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 349.82 168.17 Td (on ) Tj ET Q q 0 0 0 rg BT 361.85 168.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 385.54 168.17 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 408.12 168.17 Td (for ) Tj ET Q q 0 0 0 rg BT 421.81 168.17 Td (the ) Tj ET Q q 0 0 0 rg BT 436.06 168.17 Td (quarter ) Tj ET Q q 0 0 0 rg BT 466.40 168.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 492.30 168.17 Td (June ) Tj ET Q q 0 0 0 rg BT 512.66 168.17 Td (30, ) Tj ET Q q 0 0 0 rg BT 527.19 168.17 Td (2013\).*) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 144.07 Td (10.29) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 143.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 120.88 143.17 Td (of ) Tj ET Q q 0 0 0 rg BT 132.43 143.17 Td (Performance ) Tj ET Q q 0 0 0 rg BT 186.72 143.17 Td (Cash ) Tj ET Q q 0 0 0 rg BT 209.50 143.17 Td (A) Tj ET Q q 0 0 0 rg BT 215.99 143.17 Td (ward ) Tj ET Q q 0 0 0 rg BT 238.73 143.17 Td (under ) Tj ET Q q 0 0 0 rg BT 264.71 143.17 Td (the ) Tj ET Q q 0 0 0 rg BT 280.14 143.17 Td (Company's ) Tj ET Q q 0 0 0 rg BT 327.94 143.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 351.15 143.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 377.14 143.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 417.56 143.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 438.55 143.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 495.62 143.17 Td (by ) Tj ET Q q 0 0 0 rg BT 508.84 143.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 549.23 143.17 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 133.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 127.94 133.17 Td (10.3 ) Tj ET Q q 0 0 0 rg BT 147.94 133.17 Td (of ) Tj ET Q q 0 0 0 rg BT 158.77 133.17 Td (the ) Tj ET Q q 0 0 0 rg BT 173.49 133.17 Td (Company) Tj ET Q q 0 0 0 rg BT 215.43 133.17 Td (s ) Tj ET Q q 0 0 0 rg BT 221.55 133.17 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 262.36 133.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 292.08 133.17 Td (on ) Tj ET Q q 0 0 0 rg BT 304.58 133.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 328.75 133.17 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 351.80 133.17 Td (for ) Tj ET Q q 0 0 0 rg BT 365.96 133.17 Td (the ) Tj ET Q q 0 0 0 rg BT 380.68 133.17 Td (quarter ) Tj ET Q q 0 0 0 rg BT 411.49 133.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 437.87 133.17 Td (June ) Tj ET Q q 0 0 0 rg BT 458.70 133.17 Td (30, ) Tj ET Q q 0 0 0 rg BT 473.70 133.17 Td (2013\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 111.07 Td (10.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 110.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.48 110.17 Td (of ) Tj ET Q q 0 0 0 rg BT 129.62 110.17 Td (Performance ) Tj ET Q q 0 0 0 rg BT 182.52 110.17 Td (Share ) Tj ET Q q 0 0 0 rg BT 207.09 110.17 Td (Unit ) Tj ET Q q 0 0 0 rg BT 226.28 110.17 Td (A) Tj ET Q q 0 0 0 rg BT 232.59 110.17 Td (ward ) Tj ET Q q 0 0 0 rg BT 254.39 110.17 Td (- ) Tj ET Q q 0 0 0 rg BT 259.53 110.17 Td (Shares ) Tj ET Q q 0 0 0 rg BT 288.00 110.17 Td (Settled ) Tj ET Q q 0 0 0 rg BT 317.58 110.17 Td (- ) Tj ET Q q 0 0 0 rg BT 322.72 110.17 Td (Deferral ) Tj ET Q q 0 0 0 rg BT 357.84 110.17 Td (Option ) Tj ET Q q 0 0 0 rg BT 387.43 110.17 Td (under ) Tj ET Q q 0 0 0 rg BT 412.01 110.17 Td (the ) Tj ET Q q 0 0 0 rg BT 426.04 110.17 Td (Company) Tj ET Q q 0 0 0 rg BT 467.70 110.17 Td (s ) Tj ET Q q 0 0 0 rg BT 473.40 110.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 495.21 110.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 519.80 110.17 Td (Incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 100.17 Td (Plan.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 76.07 Td (10.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 75.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.88 75.17 Td (of ) Tj ET Q q 0 0 0 rg BT 130.41 75.17 Td (Performance ) Tj ET Q q 0 0 0 rg BT 183.71 75.17 Td (Share ) Tj ET Q q 0 0 0 rg BT 208.68 75.17 Td (Unit ) Tj ET Q q 0 0 0 rg BT 228.18 75.17 Td (A) Tj ET Q q 0 0 0 rg BT 234.48 75.17 Td (ward ) Tj ET Q q 0 0 0 rg BT 256.68 75.17 Td (- ) Tj ET Q q 0 0 0 rg BT 262.22 75.17 Td (Cash ) Tj ET Q q 0 0 0 rg BT 284.42 75.17 Td (Settled ) Tj ET Q q 0 0 0 rg BT 314.40 75.17 Td (- ) Tj ET Q q 0 0 0 rg BT 319.94 75.17 Td (Deferral ) Tj ET Q q 0 0 0 rg BT 355.45 75.17 Td (Option ) Tj ET Q q 0 0 0 rg BT 385.44 75.17 Td (under ) Tj ET Q q 0 0 0 rg BT 410.42 75.17 Td (the ) Tj ET Q q 0 0 0 rg BT 424.84 75.17 Td (Company) Tj ET Q q 0 0 0 rg BT 466.50 75.17 Td (s ) Tj ET Q q 0 0 0 rg BT 472.60 75.17 Td (2007 ) Tj ET Q q 0 0 0 rg BT 494.81 75.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 519.79 75.17 Td (Incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 65.17 Td (Plan.) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 357 0 obj <> endobj 358 0 obj <> stream BT /F1 10.00 Tf ET 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 38 m 220.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 38 m 390.5 38 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 38 m 560.5 38 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 27.67 Td (178) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 739.07 Td (10.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 739.07 Td (W) Tj ET Q q 0 0 0 rg BT 105.04 739.07 Td (intrust ) Tj ET Q q 0 0 0 rg BT 133.22 739.07 Td (Financial ) Tj ET Q q 0 0 0 rg BT 173.06 739.07 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 224.01 739.07 Td (Employee ) Tj ET Q q 0 0 0 rg BT 267.18 739.07 Td (Stock ) Tj ET Q q 0 0 0 rg BT 292.58 739.07 Td (Purchase ) Tj ET Q q 0 0 0 rg BT 331.31 739.07 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 354.21 739.07 Td (as ) Tj ET Q q 0 0 0 rg BT 365.17 739.07 Td (amended ) Tj ET Q q 0 0 0 rg BT 403.89 739.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 460.38 739.07 Td (by ) Tj ET Q q 0 0 0 rg BT 473.00 739.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 512.81 739.07 Td (to ) Tj ET Q q 0 0 0 rg BT 522.63 739.07 Td (Annex ) Tj ET Q q 0 0 0 rg BT 551.34 739.07 Td (A) Tj ET Q q 0 0 0 rg BT 558.01 739.07 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 729.07 Td (of ) Tj ET Q q 0 0 0 rg BT 106.11 729.07 Td (the ) Tj ET Q q 0 0 0 rg BT 120.10 729.07 Td (Company's ) Tj ET Q q 0 0 0 rg BT 166.46 729.07 Td (definitive ) Tj ET Q q 0 0 0 rg BT 206.56 729.07 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 232.23 729.07 Td (Statement ) Tj ET Q q 0 0 0 rg BT 273.99 729.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 294.10 729.07 Td (with ) Tj ET Q q 0 0 0 rg BT 313.65 729.07 Td (the ) Tj ET Q q 0 0 0 rg BT 327.65 729.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 368.86 729.07 Td (and ) Tj ET Q q 0 0 0 rg BT 385.07 729.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 426.27 729.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 478.62 729.07 Td (on ) Tj ET Q q 0 0 0 rg BT 490.00 729.07 Td (April ) Tj ET Q q 0 0 0 rg BT 512.89 729.07 Td (24, ) Tj ET Q q 0 0 0 rg BT 527.17 729.07 Td (2012\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 706.07 Td (10.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 705.17 Td (W) Tj ET Q q 0 0 0 rg BT 105.24 705.17 Td (intrust ) Tj ET Q q 0 0 0 rg BT 133.06 705.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 172.74 705.17 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 223.53 705.17 Td (Directors ) Tj ET Q q 0 0 0 rg BT 263.20 705.17 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 301.20 705.17 Td (Fee ) Tj ET Q q 0 0 0 rg BT 318.10 705.17 Td (and ) Tj ET Q q 0 0 0 rg BT 335.00 705.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 360.25 705.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 380.49 705.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 436.82 705.17 Td (by ) Tj ET Q q 0 0 0 rg BT 449.29 705.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 488.93 705.17 Td (to ) Tj ET Q q 0 0 0 rg BT 498.91 705.17 Td (Appendix ) Tj ET Q q 0 0 0 rg BT 540.54 705.17 Td (B ) Tj ET Q q 0 0 0 rg BT 549.67 705.17 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 695.17 Td (the ) Tj ET Q q 0 0 0 rg BT 110.72 695.17 Td (Proxy ) Tj ET Q q 0 0 0 rg BT 137.11 695.17 Td (Statement ) Tj ET Q q 0 0 0 rg BT 179.60 695.17 Td (relating ) Tj ET Q q 0 0 0 rg BT 212.64 695.17 Td (to ) Tj ET Q q 0 0 0 rg BT 222.92 695.17 Td (the ) Tj ET Q q 0 0 0 rg BT 237.64 695.17 Td (May ) Tj ET Q q 0 0 0 rg BT 258.47 695.17 Td (24, ) Tj ET Q q 0 0 0 rg BT 273.47 695.17 Td (2001 ) Tj ET Q q 0 0 0 rg BT 295.69 695.17 Td (Annual ) Tj ET Q q 0 0 0 rg BT 327.35 695.17 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 363.18 695.17 Td (of ) Tj ET Q q 0 0 0 rg BT 374.01 695.17 Td (Shareholders ) Tj ET Q q 0 0 0 rg BT 428.71 695.17 Td (of ) Tj ET Q q 0 0 0 rg BT 439.54 695.17 Td (the ) Tj ET Q q 0 0 0 rg BT 454.26 695.17 Td (Company\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 673.07 Td (10.34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 672.17 Td (W) Tj ET Q q 0 0 0 rg BT 105.24 672.17 Td (intrust ) Tj ET Q q 0 0 0 rg BT 132.98 672.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 172.58 672.17 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 223.29 672.17 Td (2005 ) Tj ET Q q 0 0 0 rg BT 245.67 672.17 Td (Directors ) Tj ET Q q 0 0 0 rg BT 285.27 672.17 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 323.18 672.17 Td (Fee ) Tj ET Q q 0 0 0 rg BT 340.00 672.17 Td (and ) Tj ET Q q 0 0 0 rg BT 356.83 672.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 381.99 672.17 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 404.65 672.17 Td (as ) Tj ET Q q 0 0 0 rg BT 415.37 672.17 Td (amended ) Tj ET Q q 0 0 0 rg BT 453.85 672.17 Td (and ) Tj ET Q q 0 0 0 rg BT 470.67 672.17 Td (restated ) Tj ET Q q 0 0 0 rg BT 504.15 672.17 Td (\(incorporated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 662.17 Td (by ) Tj ET Q q 0 0 0 rg BT 108.49 662.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 148.17 662.17 Td (to ) Tj ET Q q 0 0 0 rg BT 158.44 662.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 190.38 662.17 Td (99.1 ) Tj ET Q q 0 0 0 rg BT 210.38 662.17 Td (of ) Tj ET Q q 0 0 0 rg BT 221.20 662.17 Td (the ) Tj ET Q q 0 0 0 rg BT 235.91 662.17 Td (Company) Tj ET Q q 0 0 0 rg BT 277.85 662.17 Td (s ) Tj ET Q q 0 0 0 rg BT 283.96 662.17 Td (Current ) Tj ET Q q 0 0 0 rg BT 317.00 662.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 346.71 662.17 Td (on ) Tj ET Q q 0 0 0 rg BT 359.21 662.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 383.37 662.17 Td (8-K, ) Tj ET Q q 0 0 0 rg BT 403.92 662.17 Td (filed ) Tj ET Q q 0 0 0 rg BT 424.74 662.17 Td (with ) Tj ET Q q 0 0 0 rg BT 445.01 662.17 Td (the ) Tj ET Q q 0 0 0 rg BT 459.72 662.17 Td (Securities ) Tj ET Q q 0 0 0 rg BT 501.65 662.17 Td (and ) Tj ET Q q 0 0 0 rg BT 518.58 662.17 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 652.17 Td (Commission ) Tj ET Q q 0 0 0 rg BT 149.07 652.17 Td (on ) Tj ET Q q 0 0 0 rg BT 161.57 652.17 Td (July ) Tj ET Q q 0 0 0 rg BT 180.74 652.17 Td (29, ) Tj ET Q q 0 0 0 rg BT 195.74 652.17 Td (2014\).*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 630.07 Td (10.35) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 629.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.95 629.17 Td (of ) Tj ET Q q 0 0 0 rg BT 130.56 629.17 Td (Cash ) Tj ET Q q 0 0 0 rg BT 152.84 629.17 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 192.32 629.17 Td (and ) Tj ET Q q 0 0 0 rg BT 209.04 629.17 Td (Retention ) Tj ET Q q 0 0 0 rg BT 249.69 629.17 Td (A) Tj ET Q q 0 0 0 rg BT 256.00 629.17 Td (ward ) Tj ET Q q 0 0 0 rg BT 277.76 629.17 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 324.47 629.17 Td (under ) Tj ET Q q 0 0 0 rg BT 349.52 629.17 Td (the ) Tj ET Q q 0 0 0 rg BT 364.01 629.17 Td (Company) Tj ET Q q 0 0 0 rg BT 405.68 629.17 Td (s ) Tj ET Q q 0 0 0 rg BT 411.85 629.17 Td (2008 ) Tj ET Q q 0 0 0 rg BT 434.13 629.17 Td (Long-T) Tj ET Q q 0 0 0 rg BT 463.98 629.17 Td (erm ) Tj ET Q q 0 0 0 rg BT 481.80 629.17 Td (Cash ) Tj ET Q q 0 0 0 rg BT 504.08 629.17 Td (and ) Tj ET Q q 0 0 0 rg BT 520.80 629.17 Td (Incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 619.17 Td (Retention ) Tj ET Q q 0 0 0 rg BT 138.19 619.17 Td (Plan ) Tj ET Q q 0 0 0 rg BT 159.27 619.17 Td (with ) Tj ET Q q 0 0 0 rg BT 180.36 619.17 Td (no ) Tj ET Q q 0 0 0 rg BT 193.67 619.17 Td (Minimum ) Tj ET Q q 0 0 0 rg BT 236.98 619.17 Td (Payout ) Tj ET Q q 0 0 0 rg BT 268.06 619.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 325.23 619.17 Td (by ) Tj ET Q q 0 0 0 rg BT 338.54 619.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 379.03 619.17 Td (to ) Tj ET Q q 0 0 0 rg BT 390.12 619.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 422.87 619.17 Td (10.3 ) Tj ET Q q 0 0 0 rg BT 443.67 619.17 Td (of ) Tj ET Q q 0 0 0 rg BT 455.31 619.17 Td (the ) Tj ET Q q 0 0 0 rg BT 470.83 619.17 Td (Company) Tj ET Q q 0 0 0 rg BT 512.50 619.17 Td (s ) Tj ET Q q 0 0 0 rg BT 519.70 619.17 Td (Quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 609.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 125.72 609.17 Td (on ) Tj ET Q q 0 0 0 rg BT 138.22 609.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 162.39 609.17 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 185.44 609.17 Td (for ) Tj ET Q q 0 0 0 rg BT 199.60 609.17 Td (the ) Tj ET Q q 0 0 0 rg BT 214.32 609.17 Td (quarter ) Tj ET Q q 0 0 0 rg BT 245.13 609.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 271.51 609.17 Td (June ) Tj ET Q q 0 0 0 rg BT 292.34 609.17 Td (30, ) Tj ET Q q 0 0 0 rg BT 307.34 609.17 Td (2008\).*) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 585.07 Td (10.36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 584.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 119.86 584.17 Td (of ) Tj ET Q q 0 0 0 rg BT 130.38 584.17 Td (Director ) Tj ET Q q 0 0 0 rg BT 165.89 584.17 Td (Indemnification ) Tj ET Q q 0 0 0 rg BT 231.74 584.17 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 278.08 584.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 334.14 584.17 Td (by ) Tj ET Q q 0 0 0 rg BT 346.33 584.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 385.71 584.17 Td (to ) Tj ET Q q 0 0 0 rg BT 395.68 584.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 427.31 584.17 Td (10.2 ) Tj ET Q q 0 0 0 rg BT 447.01 584.17 Td (of ) Tj ET Q q 0 0 0 rg BT 457.53 584.17 Td (the ) Tj ET Q q 0 0 0 rg BT 471.94 584.17 Td (Company) Tj ET Q q 0 0 0 rg BT 513.88 584.17 Td (s ) Tj ET Q q 0 0 0 rg BT 519.69 584.17 Td (Quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 574.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 125.72 574.17 Td (on ) Tj ET Q q 0 0 0 rg BT 138.22 574.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 162.39 574.17 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 185.44 574.17 Td (for ) Tj ET Q q 0 0 0 rg BT 199.60 574.17 Td (the ) Tj ET Q q 0 0 0 rg BT 214.32 574.17 Td (quarter ) Tj ET Q q 0 0 0 rg BT 245.13 574.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 271.51 574.17 Td (June ) Tj ET Q q 0 0 0 rg BT 292.34 574.17 Td (30, ) Tj ET Q q 0 0 0 rg BT 307.34 574.17 Td (2009\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 552.07 Td (10.37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 551.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 120.20 551.17 Td (of ) Tj ET Q q 0 0 0 rg BT 131.06 551.17 Td (Of) Tj ET Q q 0 0 0 rg BT 141.52 551.17 Td (ficer ) Tj ET Q q 0 0 0 rg BT 162.27 551.17 Td (Indemnification ) Tj ET Q q 0 0 0 rg BT 228.38 551.17 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 275.06 551.17 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 331.45 551.17 Td (by ) Tj ET Q q 0 0 0 rg BT 343.98 551.17 Td (reference ) Tj ET Q q 0 0 0 rg BT 383.69 551.17 Td (to ) Tj ET Q q 0 0 0 rg BT 394.00 551.17 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 425.97 551.17 Td (10.3 ) Tj ET Q q 0 0 0 rg BT 446.00 551.17 Td (of ) Tj ET Q q 0 0 0 rg BT 456.86 551.17 Td (the ) Tj ET Q q 0 0 0 rg BT 471.60 551.17 Td (Company) Tj ET Q q 0 0 0 rg BT 513.54 551.17 Td (s ) Tj ET Q q 0 0 0 rg BT 519.69 551.17 Td (Quarterly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 541.17 Td (Report ) Tj ET Q q 0 0 0 rg BT 125.72 541.17 Td (on ) Tj ET Q q 0 0 0 rg BT 138.22 541.17 Td (Form ) Tj ET Q q 0 0 0 rg BT 162.39 541.17 Td (10-Q ) Tj ET Q q 0 0 0 rg BT 185.44 541.17 Td (for ) Tj ET Q q 0 0 0 rg BT 199.60 541.17 Td (the ) Tj ET Q q 0 0 0 rg BT 214.32 541.17 Td (quarter ) Tj ET Q q 0 0 0 rg BT 245.13 541.17 Td (ended ) Tj ET Q q 0 0 0 rg BT 271.51 541.17 Td (June ) Tj ET Q q 0 0 0 rg BT 292.34 541.17 Td (30, ) Tj ET Q q 0 0 0 rg BT 307.34 541.17 Td (2009\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 519.07 Td (10.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 519.07 Td (W) Tj ET Q q 0 0 0 rg BT 105.04 519.07 Td (intrust ) Tj ET Q q 0 0 0 rg BT 132.08 519.07 Td (Financial ) Tj ET Q q 0 0 0 rg BT 170.77 519.07 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 220.58 519.07 Td (2015 ) Tj ET Q q 0 0 0 rg BT 242.07 519.07 Td (Stock ) Tj ET Q q 0 0 0 rg BT 266.33 519.07 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 305.01 519.07 Td (Plan ) Tj ET Q q 0 0 0 rg BT 324.27 519.07 Td (\(incorporated ) Tj ET Q q 0 0 0 rg BT 379.62 519.07 Td (by ) Tj ET Q q 0 0 0 rg BT 391.10 519.07 Td (reference ) Tj ET Q q 0 0 0 rg BT 429.77 519.07 Td (to ) Tj ET Q q 0 0 0 rg BT 439.03 519.07 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 469.96 519.07 Td (10.1 ) Tj ET Q q 0 0 0 rg BT 488.94 519.07 Td (of ) Tj ET Q q 0 0 0 rg BT 498.75 519.07 Td (the ) Tj ET Q q 0 0 0 rg BT 512.46 519.07 Td (Company) Tj ET Q q 0 0 0 rg BT 554.12 519.07 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 509.07 Td (Current ) Tj ET Q q 0 0 0 rg BT 129.05 509.07 Td (Report ) Tj ET Q q 0 0 0 rg BT 158.76 509.07 Td (on ) Tj ET Q q 0 0 0 rg BT 171.26 509.07 Td (Form ) Tj ET Q q 0 0 0 rg BT 195.43 509.07 Td (8-K ) Tj ET Q q 0 0 0 rg BT 213.49 509.07 Td (filed ) Tj ET Q q 0 0 0 rg BT 234.31 509.07 Td (with ) Tj ET Q q 0 0 0 rg BT 254.59 509.07 Td (the ) Tj ET Q q 0 0 0 rg BT 269.31 509.07 Td (Securities ) Tj ET Q q 0 0 0 rg BT 311.24 509.07 Td (and ) Tj ET Q q 0 0 0 rg BT 328.18 509.07 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 370.10 509.07 Td (Commission ) Tj ET Q q 0 0 0 rg BT 423.17 509.07 Td (on ) Tj ET Q q 0 0 0 rg BT 435.67 509.07 Td (June ) Tj ET Q q 0 0 0 rg BT 456.50 509.07 Td (1, ) Tj ET Q q 0 0 0 rg BT 466.50 509.07 Td (2015\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 486.07 Td (12.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 485.17 Td (Computation ) Tj ET Q q 0 0 0 rg BT 150.72 485.17 Td (of ) Tj ET Q q 0 0 0 rg BT 161.55 485.17 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 185.72 485.17 Td (of ) Tj ET Q q 0 0 0 rg BT 196.55 485.17 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 234.59 485.17 Td (to ) Tj ET Q q 0 0 0 rg BT 244.87 485.17 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 270.15 485.17 Td (Char) Tj ET Q q 0 0 0 rg BT 289.50 485.17 Td (ges.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 464.07 Td (12.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 463.17 Td (Computation ) Tj ET Q q 0 0 0 rg BT 150.72 463.17 Td (of ) Tj ET Q q 0 0 0 rg BT 161.55 463.17 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 185.72 463.17 Td (of ) Tj ET Q q 0 0 0 rg BT 196.55 463.17 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 234.59 463.17 Td (to ) Tj ET Q q 0 0 0 rg BT 244.87 463.17 Td (Fixed ) Tj ET Q q 0 0 0 rg BT 270.15 463.17 Td (Char) Tj ET Q q 0 0 0 rg BT 289.50 463.17 Td (ges ) Tj ET Q q 0 0 0 rg BT 305.24 463.17 Td (and ) Tj ET Q q 0 0 0 rg BT 322.18 463.17 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 361.87 463.17 Td (Stock ) Tj ET Q q 0 0 0 rg BT 387.15 463.17 Td (Dividends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 442.07 Td (21.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 441.17 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 147.39 441.17 Td (of ) Tj ET Q q 0 0 0 rg BT 158.22 441.17 Td (the ) Tj ET Q q 0 0 0 rg BT 172.93 441.17 Td (Registrant.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 420.07 Td (23.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 419.17 Td (Consent ) Tj ET Q q 0 0 0 rg BT 131.28 419.17 Td (of ) Tj ET Q q 0 0 0 rg BT 142.11 419.17 Td (Independent ) Tj ET Q q 0 0 0 rg BT 194.03 419.17 Td (Registered ) Tj ET Q q 0 0 0 rg BT 239.30 419.17 Td (Public ) Tj ET Q q 0 0 0 rg BT 267.08 419.17 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 315.96 419.17 Td (Firm.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 398.07 Td (31.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 397.17 Td (Certification ) Tj ET Q q 0 0 0 rg BT 149.04 397.17 Td (of ) Tj ET Q q 0 0 0 rg BT 159.87 397.17 Td (Chief ) Tj ET Q q 0 0 0 rg BT 184.58 397.17 Td (Executive ) Tj ET Q q 0 0 0 rg BT 227.06 397.17 Td (Of) Tj ET Q q 0 0 0 rg BT 237.53 397.17 Td (ficer ) Tj ET Q q 0 0 0 rg BT 258.25 397.17 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 295.19 397.17 Td (to ) Tj ET Q q 0 0 0 rg BT 305.47 397.17 Td (Section ) Tj ET Q q 0 0 0 rg BT 337.96 397.17 Td (302 ) Tj ET Q q 0 0 0 rg BT 355.46 397.17 Td (of ) Tj ET Q q 0 0 0 rg BT 366.29 397.17 Td (the ) Tj ET Q q 0 0 0 rg BT 381.01 397.17 Td (Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 447.10 397.17 Td (Act ) Tj ET Q q 0 0 0 rg BT 463.76 397.17 Td (of ) Tj ET Q q 0 0 0 rg BT 474.59 397.17 Td (2002.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 375.07 Td (31.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 374.17 Td (Certification ) Tj ET Q q 0 0 0 rg BT 149.04 374.17 Td (of ) Tj ET Q q 0 0 0 rg BT 159.87 374.17 Td (the ) Tj ET Q q 0 0 0 rg BT 174.58 374.17 Td (Chief ) Tj ET Q q 0 0 0 rg BT 199.30 374.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 239.01 374.17 Td (Of) Tj ET Q q 0 0 0 rg BT 249.47 374.17 Td (ficer ) Tj ET Q q 0 0 0 rg BT 270.20 374.17 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 307.14 374.17 Td (to ) Tj ET Q q 0 0 0 rg BT 317.42 374.17 Td (Section ) Tj ET Q q 0 0 0 rg BT 349.91 374.17 Td (302 ) Tj ET Q q 0 0 0 rg BT 367.41 374.17 Td (of ) Tj ET Q q 0 0 0 rg BT 378.24 374.17 Td (the ) Tj ET Q q 0 0 0 rg BT 392.96 374.17 Td (Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 459.05 374.17 Td (Act ) Tj ET Q q 0 0 0 rg BT 475.71 374.17 Td (of ) Tj ET Q q 0 0 0 rg BT 486.54 374.17 Td (2002.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 353.07 Td (32.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 352.17 Td (Certification ) Tj ET Q q 0 0 0 rg BT 148.92 352.17 Td (of ) Tj ET Q q 0 0 0 rg BT 159.62 352.17 Td (Chief ) Tj ET Q q 0 0 0 rg BT 184.22 352.17 Td (Executive ) Tj ET Q q 0 0 0 rg BT 226.58 352.17 Td (Of) Tj ET Q q 0 0 0 rg BT 236.95 352.17 Td (ficer ) Tj ET Q q 0 0 0 rg BT 257.64 352.17 Td (and ) Tj ET Q q 0 0 0 rg BT 274.46 352.17 Td (Chief ) Tj ET Q q 0 0 0 rg BT 299.05 352.17 Td (Financial ) Tj ET Q q 0 0 0 rg BT 338.64 352.17 Td (Of) Tj ET Q q 0 0 0 rg BT 349.01 352.17 Td (ficer ) Tj ET Q q 0 0 0 rg BT 369.71 352.17 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 406.52 352.17 Td (to ) Tj ET Q q 0 0 0 rg BT 416.68 352.17 Td (18 ) Tj ET Q q 0 0 0 rg BT 429.06 352.17 Td (U.S.C. ) Tj ET Q q 0 0 0 rg BT 458.39 352.17 Td (Section ) Tj ET Q q 0 0 0 rg BT 490.76 352.17 Td (1350, ) Tj ET Q q 0 0 0 rg BT 515.64 352.17 Td (as ) Tj ET Q q 0 0 0 rg BT 526.35 352.17 Td (adopted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.00 342.17 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 132.94 342.17 Td (to ) Tj ET Q q 0 0 0 rg BT 143.22 342.17 Td (Section ) Tj ET Q q 0 0 0 rg BT 175.71 342.17 Td (906 ) Tj ET Q q 0 0 0 rg BT 193.21 342.17 Td (of ) Tj ET Q q 0 0 0 rg BT 204.04 342.17 Td (the ) Tj ET Q q 0 0 0 rg BT 218.76 342.17 Td (Sarbanes-Oxley ) Tj ET Q q 0 0 0 rg BT 284.57 342.17 Td (Act ) Tj ET Q q 0 0 0 rg BT 301.51 342.17 Td (of ) Tj ET Q q 0 0 0 rg BT 312.34 342.17 Td (2002.) 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Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 698.45 Td () Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 630.95 m 351.5 630.95 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351.5 630.95 m 562.5 630.95 l s BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.00 664.20 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 314.05 663.68 Td (WINTRUSTFINANCIALCORPORATION\(Registrant\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 635.52 Td (February29, 2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.00 635.20 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.00 635.20 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.00 635.52 Td (By:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 340.00 635.20 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.30 635.52 Td (/s/ EDWARD J. 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